Consumer complaint received 2025-10-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
XXXX XXXX Compliance Department Shellpoint Mortgage ServicingXXXXThis is a continuation of my XXXX XXXX XXXX complaints, complaint IDs XXXX XXXX XXXX respectively.XXXXStill after XXXX  attempts privately and now my third attempt via CFPB we are getting closer to an answer to the XXXX question.  Besides, XXXX XXXX XXXX which is it, XXXX XXXX XXXXThe prevailing question has always been and still is, how am I (the borrower), responsible for what now is clearly, a Lender Expense.  This is clearly shown on the XXXX XXXX Statement, dated XXXX, in your XXXX response page-XXXX?  Please note that the XXXX XXXX XXXX Statement was never received by me till now.XXXXShellpoint XXXX XXXX) again, issued on XXXX an overwhelming XXXX-page response, mostly of fluff while dancing around my question.  However, your intent is revealing, in that you cannot show my default to trigger a legal fee; especially one that involves a foreclosure.XXXXShellpoint XXXX XXXX) as the servicer in place, moved the Lenders Expense over to the Borrow side without any justification and labeled it as Foreclosure Costs.  XXXXShellpoint (XXXX XXXX) then followed up on XXXX, with an XXXX-page formal Foreclosure notice sent via Certified Mail with Return Receipt XXXX XXXX XXXX XXXX XXXX XXXX  No one takes foreclosure notices lightly or as a mistakeXXXXShellpoints XXXX XXXX XXXX response include The Note, The Mortgage and The Modification Agreement which was signed XXXX  The creation of the alleged Legal Fee, occurring sometime in XXXX without explanation as to the reason of the alleged fee XXXX).  Do notice, the alleged legal fee was shown as a Lender Paid Expenses and carried as such on the Lenders side while the account was with XXXXHowever, Shellpoint XXXX XXXX) after the transfer (in XXXX XXXX the account, moved the Lender Expenses to the Borrower side.  So again, I ask the prevailing question to Shellpoint (XXXX XXXX XXXXPlease show me how I (the borrower), legally trigger this event (legal fee); since the signing of the XXXX Modification Agreement, which reset/adjusted all owed amounts.  The Modification Agreement, do not include this alleged legal/foreclosure fee. XXXXSo again, to Shellpoint XXXX XXXX) who voluntarily moved the allege fee to the borrower side, after being assign this servicers account, please explain how I (the borrower) legally trigger this event since no default of any kind was accounted for, since the Modification Agreement Signing?XXXXI do not voluntarily pay Lender Expenses.  Remove this fee from the borrower account.  Or fully explain how I am responsible for this XXXX XXXX legal fee.  Each side, Lender & Borrow, agreed to be responsible for its own legal expenses prior to the Modification Agreement.XXXXPlease do not respond with a XXXX-page fluff fill document.  Be concise, but accurate in your clear and complete response.  Mind you this is the XXXX attempt to Shellpoint on this matter.  Shellpoint XXXXXXXX XXXX still have not answer the prevailing question since my first private letter.  XXXXShellpoint XXXX XXXXXXXX please focus on the question that is asked, not on some delusional concept to confuse the issue with answering unasked questionsXXXXThe borrower is not responsible for any expenses the Lender, unjustifiably, decide to explore.'

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation