Consumer complaint received 2025-09-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
This is a continuation of the previous complaint file on XX/XX/XXXX on Shellpoint Servicer ( complaint # XXXX ). 

Shellpoint provide XXXX of verbiage without answering the basic question posed to them which is to state how I the mortgagee is responsible for legal fees of {$490.00} when I was never in default or trigger a legal event. 

I just received my monthly new statement from Shellpoint, for payment due XX/XX/XXXX. I was waiting to see if the issue was resolve. Which, unfortunately it was not even address ; how I am accountable for the legal charge/fee. 

Shellpoint states in the opening letter. Page 1, first paragraph that Shellpoint was addressing the account status, XXXX XXXX XXXX ( LPI ) process and Escrow Analysis. But you conveniently left out the main cause of the complaint which is a legal charge/fee still on XX/XX/XXXX for {$490.00}. This has not been definitely shown that I was in default to trigger any legal action for this charge. 
To simple say, this was an error, that this is a legal charge/fee forwarded from the earlier servicer ( Rushmore ) is not adequate. Someone has to explain how and where did I default causing this legal charge/fee. 
Shellpoint records seem to show a XX/XX/XXXX payment of {$2900.00}, while my bank account ( ACH ), clearly shows that payments were withdraw from my account on XX/XX/XXXX to XXXX for {$2900.00} for XXXX. Then again on XX/XX/XXXX to XXXX for {$2900.00} for XXXX and yet again, on XX/XX/XXXX to Shellpoint for XXXX each for {$2900.00}. Again, no default on borrower side. 
Please note any transfers of fund between old and new servicers during the servicer transition period is out of my control, and should be 100 % transparent to me, the borrower. There is also a transfer grace period of 45 to 60 days. It looks like Shellpoint may have been just a little premature and overzealous with the XX/XX/XXXX Foreclosure notice. My banks records, show that I was never late or in default, to trigger the start of any type of legal action. 

So again, explain the {$490.00} legal charge/fee that still, and only appears, on Shellpoint statement and not on any of XXXX statements. 

The XX/XX/XXXX double payment of {$5900.00} was for XXXX and XXXX. Not XXXX and XXXX. The double payment was made because I was under the impression I canceled my XX/XX/XXXX payment due to suspected fraud. Only to find out later it was not cancelled in time and it clear my account. So, the double payment should have gone to XXXX and XXXX. Clearly your records are misleading. 

But none of this is the issue since you agree the account is current. Now please explain the {$490.00} from XX/XX/XXXX? Mind you XXXX and I were on the same page ( loan was current and had been since they took over the account in XX/XX/XXXX ) at the time of the transfer. So please explain as the correct servicer the {$490.00} legal charge/fee as it now still appears on you XX/XX/XXXX statement which is due XX/XX/XXXX. This legal charge and fee first appeared on Shellpoint XX/XX/XXXX statement, as {$490.00}, and you admit to sending out a Foreclosure notice on XX/XX/XXXX. But yet Shellpoint says this was due to a XXXX XX/XX/XXXX issue. If this is a coincidence then have XXXX fully explain this $ XXXX {$490.00} charge/fee. 

Please show me where and how I ( the borrower ) am accountable for the $ XXXX {$490.00} legal charge/fee? 

Shellpoints rhetoric, about homeowner insurance expiring is moot and, only muddies the water, along with its XXXX response to CFPB. It hinds the fact that XXXX had the latest insurance policy covering from XX/XX/XXXX to XX/XX/XXXX. Why is it Shellpoint did not know this, is beyond the facts. Its sad that I ( the borrower ), after giving Shellpoint the insurance carriers name and policy number that I had to get involve to send Shellpoint the insurance declaration statement. Shellpoints XX/XX/XXXX letter, is not the only mistake that was made. As the current servicer you are burden with the task of fully explaining this charge. Or have it removed and never to return. 

Please show me where and how I ( the borrower ) am accountable for the {$490.00} legal charge/fee?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation