Consumer complaint received 2025-08-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
RE : URGENT REQUEST TO REOPEN COMPLAINT & INVESTIGATE BAD FAITH RESPONSE CFPB Complaint ID : XXXX Against : Caliber Home Loans , Inc. / XXXX XXXX  XXXX Dear CFPB , I am writing to formally challenge Caliber Home Loans ' non-compliant and deceptive response to my original complaint ( ID : XXXX ) and request immediate escalation. Calibers submission violates CFPB rules and confirms the systemic misconduct I alleged. 

I. INVALID RESPONSE : REGULATORY NON-COMPLIANCE Caliber failed to respond to its own complaint, instead submitting a letter from Shellpoint Mortgage Servicing ( dated XX/XX/XXXX ). This violates : CFPB Bulletin XXXX : " The servicer named in the complaint must respond directly... using its own business name. '' Procedural Rule 12 CFR 1024.35 ( b ) : Servicers must acknowledge/respond to notices of error in their capacity as servicer.

Critical Proof : The Shellpoint response references CFPB correspondence from XX/XX/XXXX, XXXXbut my complaint against Caliber was filed on XX/XX/XXXX. This confirms : The response was pre-generated for a different complaint ( my Shellpoint case ), Caliber/Shellpoint treat complaints interchangeably, proving operational collusion.

Demand : Declare this response non-compliant and require Caliber to answer in its own name within XXXX days. 

II. UNREBUTTED VIOLATIONS : ADMISSION BY SILENCE Calibers submission ignored every material allegation, constituting a de facto admission under CFPB guidance. Unaddressed violations include : A. Unauthorized Servicing & Standing Defects Caliber initiated foreclosure without proof of valid servicing transfer.

Violation : RESPA 6 ( e ) Failure to provide transfer notice within XXXX  days.

Leverage : " Servicers must prove standing to enforce loan terms. '' ( CFPB v. Citibank, 2017 ).

B. Fraudulent Foreclosure Documentation Caliber filed foreclosure documents using the incorrect legal name ( " XXXX '' vs. " XXXX  '' ).

Violation : FDCPA 807 ( 2 ) ( A ) False representation of legal status.

Leverage : Invalidates foreclosure under state law ( e.g., XXXX  Statute 702.10 ).

C. Illegal Evasion of Accountability Shellpoints letter requested " name change documentation '' while ignoring standing defects.

Violation : 15 U.S.C. 45 Unfair/deceptive practices. 

III. EVIDENCE OF ENTERPRISE-WIDE DECEPTION The submission of Shellpoints response for a Caliber complaint confirms : Shared operational control between entities, Intentional " shell game '' to confuse regulators/consumers, Pattern of evasion matching CFPB precedent ( CFPB v. XXXX, XXXX  : $ 2B penalty for servicing transfers ). 

DEMANDS FOR ACTION REOPEN this complaint and compel Caliber to respond substantively within XXXX  days addressing each violation above. 

INVESTIGATE the Caliber/Shellpoint relationship under Dodd-Frank 1024 : Subpoena internal communications regarding loan # XXXX, Audit servicing transfer history for my loan.

REFER to the FBI Mortgage Fraud Unit : False foreclosure documents ( 18 U.S.C. 1014 ), Document falsification ( 18 U.S.C. 1028 ).

IMPOSE CIVIL PENALTIES for deceptive practices under 12 U.S.C. 5565.

This evidence proves systemic fraud. I demand intervention before illegal foreclosure proceeds.

Sincerely, XXXX XXXX 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