Consumer complaint received 2026-02-21 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
I am formally disputing the accuracy and consistency of Shellpoint Mortgage XXXX escrow accounting on Loan No. XXXX for the property located at XXXX XXXX XXXX, XXXX, NY.

The escrow analyses provided by Shellpoint/NewRez from XXXX through XXXX show extreme and unexplained fluctuations in alleged escrow shortages that are mathematically inconsistent with my actual annual tax obligations. 

Documented Escrow Shortage Claims by Servicer : XX/XX/XXXX Escrow shortage reported : {$47000.00} XX/XX/XXXX Escrow shortage reported : {$17000.00} XX/XX/XXXX Escrow shortage reported : {$56000.00} XX/XX/XXXX Escrow shortage reported : {$36000.00} These figures fluctuate by tens of thousands of dollars without documented explanation or corresponding municipal tax increases. 

By comparison, my actual XXXX of XXXX XXXX tax bill totals {$6800.00}, inclusive of county tax, city tax, library district, and re-levied sanitation/water charges. My annual municipal obligations historically range between approximately {$6800.00} {$7200.00}, not $ XXXX. 

Even if multiple years of taxes were advanced, the cumulative amount would not mathematically justify a {$56000.00} escrow shortage. 

Additionally : XXXX. The servicer repeatedly lists cushion : {$0.00}, yet simultaneously reports escrow balances as negative {$50000.00}. 
XXXX. The escrow payment was increased from {$0.00} to {$5700.00} per month effective XX/XX/XXXX, resulting in a total monthly payment of {$7800.00}. 
XXXX. Pre-petition escrow amounts appear to change between statements ( e.g., {$11000.00} vs. {$42000.00} ) without clear reconciliation. 

The documentation does not provide : A full transaction-level escrow ledger since origination A corporate advance ledger Proof of tax disbursements to the municipality Explanation for why alleged shortages increase and decrease by $ XXXX between analyses Reconciliation of bankruptcy trustee payments versus escrow applications I am requesting : XXXX. A complete escrow transaction history from loan inception to present. 
XXXX. A corporate advance ledger identifying all advances categorized as escrow. 
XXXX. Proof of all tax and insurance disbursements made on my behalf. 
XXXX. Identification of how the {$56000.00} shortage was calculated. 
XXXX. Explanation for why escrow shortages materially change between annual analyses. 
XXXX. Confirmation that XXXX credits and direct sanitation/water payments were properly applied before escrow projections were calculated. 

Additionally, municipal and insurance records continue to reference Decision XXXX as a mortgage holder despite that entity ceasing operations in XXXX. I request clarification regarding the current lienholder record and the documentation relied upon for servicing authority. 

The magnitude and instability of these escrow calculations materially affect alleged arrears, reinstatement figures, and foreclosure exposure. 

I am requesting a full servicing audit and written reconciliation.

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