Consumer complaint received 2026-01-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX Shellpoint Mortgage Servicing XXXX XXXX XXXX, XXXX XXXX XXXX, South Carolina XXXX Re : Shellpoint Mortgage Servicing Failed To Process Complainant 's Mortgage Payment Under Color of Law To Obstruct Justice And Pre Texturally Accuse Complainant Of Late Mortgage Payments To Knowingly Misrepresent The Facts. 

Dear XXXX XXXX : This letter serves to document that on XXXX Complainant ( XXXX XXXX XXXX contacted Shellpoint Mortgage Servicing to render a monthly mortgage payment in the amount of {$870.00}, which is the mortgage contract amount that was established by " Rocket Mortgage '' prior to the mortgage being allegedly purchased by XXXX XXXX Mortgage XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Indenture Trustee XXXX 

This writer spoke with a rude, unprofessional individual that identified himself as XXXX XXXX from the Loss Mitigation XXXX. XXXX XXXX stated that this writer is " XXXX ( XXXX ) months in arrears and owes {$3400.00} USD. The individual appeared to be staging a scene and then asked " why is XXXX XXXX in XXXX month 's arrear, does XXXX XXXX live in the property and wishes to retain the property. '' This writer inquired " who is XXXX XXXX, what is the individual 's title, to which XXXX XXXX stated that he was a " Loss Mitigation XXXX. '' This writer informed that XXXX called to render his monthly payment, advised " XXXX '' that he is an in appropriate party to be engaging in this staged dialogue and XXXX XXXX stated that he is not accepting XXXX XXXX 
XXXX 's payment and he is now late. 

XXXX XXXX inquired if XXXX XXXX can document in writing the relevant reasoning for denying XXXX XXXX 's mortgage payment, how he arrived at the mortgage arrears of {$3400.00}, and also inquired why did Shellpoint deceptively misrepresent that XXXX XXXX agreed to a " Tax Recert '' and inquired what a " tax recert '' is and can that information be documented in writing. The alleged loss mitigation ( XXXX XXXX ) stated that he will not document anything, nor will Shellpoint Mortgage Servicing, and he will document his notes as he sees fit. ( The law is clear that a mortgage servicer can not change the terms of a mortgage loan. XXXX XXXX 's loan was originated by " XXXX Mortgage, which is a subsidiary to XXXX XXXX '' ). Shellpoint Mortgage Servicing only services the loan and has no legal authority to do anything else. Claimant requested that Shellpoint Mortgage Servicing can provide whatever legal documentation it can provide to factually show otherwise and Shellpoint have not provided the requested documentation to show legal authority to change the mortgage terms for a mortgage loan that was not originated by Shellpoint Mortgage Servicing. 

XXXX XXXX 's statement, which was allegedly on a tape recorded line suggest that he intends to fabricate information suit the circumstances of our brief conversation. 
The scenario that unfolded today have previously occurred this past XX/XX/XXXX, when Shellpoint Mortgage Servicing failed to accept XXXX XXXX 's mortgage payment, then fraudulently reported in pretext to the XXXX XXXX XXXX 's that XXXX XXXX was 30 days late. 

For the record, this writer will forward by mail his payment for XXXX in the amount of {$870.00}. The relevant facts will establish that XXXX XXXX have previously documented that he will pay his own property taxes when they become due in XX/XX/XXXX. 
The relevant record will establish that XXXX XXXX has a XXXX balance property tax and Shellpoint Mortgage Servicing fraudulently represented this past XX/XX/XXXX that a property tax payment in the amount of {$1300.00} would be paid by Shellpoint Mortgage Servicing. This writer informed in writing this past XX/XX/XXXX that Shellpoint Mortgage Servicing 's false representation of offering to pay {$1300.00} in a false property tax payment is tantamount to extortion, when a false payment is to be used to justify false fees under the pretext of paying property taxes, when nothing is owed. 

This type of abuse, harassment from an alleged ignorant loss mitigation XXXX ( XXXX XXXX ) is unsettling and will not be tolerated, hence this letter serves to document the facts, and this writer is requesting that Shellpoint Mortgage Servicing make available recorded telephone conversation dated XXXX between XXXX XXXX and the individual who represents himself to be ( XXXX XXXX ). 

XXXX XXXX 's mortgage payment should have been accepted and " XXXX 's '' behavior shows retaliatory, disreputable activity in violation of the Consumer Protection Code Section XXXX et seq., along with charges for mortgage lender misconduct, deceptive banking practices, alleged misrepresentation of loan terms that includes unfair or deceptive acts or practices ( UDAAP ). 

This Writer is not in arrears for {$3400.00}. This is a fabricated figure. This Writer should have a minimum XXXX XXXX of {$2.00}, XXXX. 

The relevant facts will establish that this Writer 's property taxes are paid in full for the entire year, and XXXX 's treats of foreclosing on this Writer 's property per our conversation was done to wrongfully intimidate this writer with malice aforethought. Wrong is wrong and wrong establishes liability. 

" Where there is evidence of bad faith, misrepresentation of the facts on the part of Shellpoint Mortgage, the representations of Shellpoint Mortgage lose all trustworthiness. '' If Shellpoint Mortgage representations are not trustworthy, Shellpoint Mortgage have no case. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX ). A written response to this Writer 's letter herewith is appreciated. 

Sincerely, XXXX XXXX, XXXX. 

cc : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Shellpoint Mortgage XXXX XXXX XXXX Compliance Dept. 
XXXX XXXX, XXXX. 


XXXX XXXX XXXX XXXX XXXX, Md. XXXX

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