Consumer complaint received 2025-10-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I am filing this complaint against Shellpoint Mortgage Servicing ( Shellpoint ) for repeatedly stonewalling my requests for information and assistance, violating RESPA requirements for timely responses to Qualified Written Requests ( QWRs ) and proper handling of loss mitigation applications. Despite ongoing evaluations and legal protections against foreclosure during review, my foreclosure sale remains scheduled for XX/XX/year>, causing me severe stress and financial hardship. Shellpoint has sent me at least six identical acknowledgment letters without providing any substantive information or resolution, suggesting intentional delays to push through the foreclosure. 
Timeline of Events and Violations : XXXX Submitted and Ignored ( RESPA Violation ) : On XX/XX/year>, Shellpoint acknowledged receipt of my QWR requesting creditor information, including ownership certification for XXXX XXXX XXXX XXXX XXXXk XXXX as Trustee for XXXX XXXX. Under RESPA ( 12 U.S.C. 2605 ) and Regulation X, they must provide a substantive response within XXXX business days ( extendable to XXXX with notice ). As of XX/XX/year> ( nearly 90 days later ), I have received no responseonly repetitive acknowledgment letters dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and another around XX/XX/year>. Each letter states, " We are working to gather the requested information and will forward it to you as soon as possible, '' with no updates, timelines, or details. This pattern indicates stalling and non-compliance with RESPA timelines. 
Loss Mitigation Application and Denial Issues : On XX/XX/year>, Shellpoint deemed my loss mitigation application complete ( acknowledgment letter dated XX/XX/year>, in " XXXX Complete Acknowledgment ( XXXX ) XXXX '' ). This granted me foreclosure protection during evaluation : no sale can proceed while the application is under review. They must evaluate and respond within 30 days ( by XX/XX/year> ). However, on XX/XX/year>, they issued a denial notice ( " XXXX Non-GSE Non-Approval Notice.pdf '' ) for various programs ( e.g., XXXX XXXX, XXXX XXXX, etc. ), citing reasons like " maximum number of modifications reached, '' " insufficient hardship verification, '' and " exceeds allowable delinquency. '' This denial came just 6 days after completion, raising concerns about whether a proper evaluation occurred. Another denial letter ( dated XX/XX/XXXX or XXXX, 2025, in " Denial letter.pdf '' and images ) repeats similar reasons without addressing my specific financial circumstances or providing appeal details adequately. 
Foreclosure Proceeding Despite Protections : Despite the active loss mitigation evaluation and RESPA protections, the foreclosure sale for my property remains scheduled for XX/XX/year>. The acknowledgment letter explicitly states that no foreclosure sale will commence during evaluation, yet Shellpoint has not confirmed in writing any postponement or cancellation. I have contacted XXXX XXXX XXXX  ( e.g., XXXX on XX/XX/year> ) and received verbal assurances, but no formal documentation. This violates 12 CFR 1024.41 ( g ), which prohibits advancing foreclosure during a timely loss mitigation review. 
Additional Stonewalling : I have emailed Shellpoint and XXXX XXXX XXXX ( e.g., XXXX XXXX ) multiple times, expressing frustration and requesting intervention, but received no resolution. The attached compilation ( XXXX ) shows the pattern of identical, non-responsive letters. A proposed modification document ( " mod dated XXXX '' ) appears to be more acknowledgments rather than an actual offer, further evidencing delays. 

Shellpoint 's actions seem designed to run out the clock until the foreclosure date, ignoring my rights under RESPA and Regulation X. This has prevented me from verifying loan ownership, exploring alternatives, or reinstating the loan properly. Similar complaints against Shellpoint on the CFPB database ( e.g., IDs XXXX, XXXX ) highlight patterns of RESPA non-compliance and pressuring borrowers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation