Consumer complaint received 2024-12-31 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: NJ

Complaint narrative:
For the past many years, our mortgage lenders, namely, Shellpoint, XXXX, XXXX XXXX XXXX XXXX XXXX Loan XXXX and former XXXX loan XXXX and their former Attorneys, most recently, Attorney/s XXXX XXXX XXXX, XXXX XXXX XXXX loan modification discriminately. They would cite their reasons- incomplete documentation, insufficient funds, and the monthly payment if modified, would be larger than the original monthly amount. And finally, you now owe a lot, and there will be no mortgage modification. " Your only option to avoid a foreclosure is to come up with the entire balance or give the title in lieu, or short sale, find a realtor next to you, and sell. '' We have never taken a loan or equity on the house and paid a XXXX percent down payment at the purchase of the house in XXXX. My husband, who struggled with XXXX and anxiety after the loss of his job, passed away in XX/XX/XXXX, and even since then, they have refused to modify the loan. 

These will be followed by letters and countless phone calls threatening foreclosure for failure to carry out the above. Under the name, XXXX, our lender filed for foreclosure in XXXX but was denied after we contested it. They have sold the loan many times in between our countless applications for loan modification requests, and each supposedly new lender would invite us to apply for a new loan modification. Subsequently, the new lender would engage in the same practices as the former. 

We have also used several loan modification attorneys to secure a loan modification, but we have been unsuccessful. Their threat for us to surrender the title or sell the house continued. Simultaneously, my then attorney was working with our lender, XXXX, and their attorneys to obtain a loan modification ; XXXX sold the loan to Shellpoint and started foreclosure proceedings in the court. Finally, with the assistance of a bankruptcy attorney, I filed for bankruptcy, chapter XXXX, in XX/XX/XXXX to mediate and help structure the loan so that I could pay my debt. I also filed for a new loan modification through the bankruptcy court, providing all documentation and income proofs needed. 

Since then, I have made regular monthly mortgage payments to Shellpoint and the trustee payments, since XX/XX/XXXX. However, Shellpoint and their Attorneys, XXXX XXXX XXXX, till today, XX/XX/XXXX, have continued with the same tactics and practices of requests for more documentation, repeated requests to Complete another homeowner financial worksheet, proof of income, bank statements/explanation of deposits and withdrawals, proof of insurance etc, they have received already. Next, they are alleging incomplete documentation, demanding a listing of the house for sale, rejection of documents, demands for which realtor is selling the house or name of buyer/s, and continued threats of canceling my modification application and proceeding with the sale of the house. Once again, they and their lawyers are not cooperating with the modification application I made through the bankruptcy court. They are stalling and continuing with their threats! 

Their actions and unfair treatment prejudice me. I feel unfairly discriminated against and treated by my lender and their attorneys. I feel blackmailed by their actions. My mortgage company and their attorneys have repeatedly denied me a modification to blackmail me and my family, causing me and my family emotional distress. All their expressed and implied actions do not show any willingness to engage in ethical practices based on the Civil Rights and Fair Housing Act. I appeal to you to look into this matter seriously.

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