Consumer complaint received 2025-10-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I am a XXXX XXXX  citizen who suffered a XXXX XXXX and XXXX XXXX XXXX in XX/XX/XXXX, followed by bariatric XXXX in XXXX to prevent another XXXX XXXX. My doctor warns that stress could be life-threatening due to my fragile health and balancing issues, which may cause cognitive impairments, making it extremely difficult to focus. Shellpoint Mortgage Servicing is exploiting my vulnerabilities through elder financial abuse under the Elder Abuse Prevention and Prosecution Act ( EAPPA ) and Californias Elder Abuse and Dependent Adult Civil Protection Act ( EADACPA, Welfare & Institutions Code 15610.30 ), alongside violations of RESPA ( 12 U.S.C. 2605 ), the Consumer Financial Protection Act ( CFPA, 5536 ), and Californias Homeowner Bill of Rights ( HBOR, Civil Code 2923.6, 2923.7, 2924.18 ). Their stonewalling, sham reviews, dual-tracking, and communication barriers are pushing an unjust foreclosure sale on XX/XX/XXXX, causing severe distress that endangers my health, credit damage, and home loss. Shellpoints patternseen in 16 identical, non-responsive replies to my complaints and CFPB cases ( e.g., IDs XXXX, XXXX ) shows they exploit elders knowing violations face no consequences. I urgently request CFPB enforcement, an injunction, and compensation from the Civil Penalty Fund ( 12 CFR Part 1075 ) as a harmed elder victim. 

Violations and Elder Financial Abuse QWR Stonewalling ( RESPA, CFPA, EADACPA ) : Since my XX/XX/XXXX, QWR for creditor info ( XXXX XXXX XXXX XXXX XXXX XXXX as Trustee for XXXX XXXX ), Shellpoint sent 16 repetitive acknowledgments ( e.g., XXXX XXXX XXXX XXXXXXXX ; XXXX ), violating RESPAs 30-45 day response ( 12 CFR 1024.36 ). This 90+ day delay exploits my cognitive challenges, withholding info to push foreclosurea deceptive act ( CFPA 5536 ) and elder abuse via undue influence ( EADACPA 15610.30 ).

Sham Loss Mitigation Review ( RESPA, HBOR, EADACPA ) : My application, complete XX/XX/XXXX ( XXXX Complete Acknowledgment ( 003 ) .pdf ), was denied in 6 days ( XX/XX/XXXX, XXXX Non-GSE Non-Approval Notice.pdf, Denial letter.pdf ) for max mods/insufficient hardship, without supplement opportunity. This sham violates RESPA 1024.41 ( d ), HBOR 2923.6, and EADACPA by giving false hope, exploiting my health-related distress to seize my home. 

No Appeal Rights ( RESPA, CFPA ) : The denial omitted appeal instructions despite eligibility ( application 90+ days pre-sale ; 12 CFR 1024.41 ( h ) ), blocking recoursea deceptive act targeting elders ( CFPA 5536 ). 

Dual-Tracking ( HBOR, EADACPA ) : The sale proceeds despite protections ( 2924.18 ), a predatory tactic to take my property ( EADACPA 15610.30 ), risking my life due to stress.

Communication Barriers ( HBOR, ADA, EADACPA ) : Shellpoint refuses direct talks, citing litigation, referring to attorney XXXX XXXX, who dismisses requests ( Memo Style attorney response.pdf ). This violates HBOR 2923.7 ( single point of contact ), ADA accessibility for my disabilities, and EADACPA by isolating me, worsening my heart condition.

Pattern of Deceptive Practices : Shellpoints actions mirror lawsuits ( e.g., XXXX v. Shellpoint, No. XXXX ) and CFPB complaints, with prior $ XXXX settlements for servicing abuses. Their 16 identical responses to my unique complaints show systemic elder exploitation. 

Harm Caused Health : Severe stress from foreclosure threats risks another heart attack, directly violating my doctors no-stress order post-surgeries. 

Financial : Home loss risk, credit damage, inability to refinance. 

Emotional : Powerlessness as an elder, with distress exacerbating my conditions ( EADACPA 15657.5 damages ).

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