Consumer complaint received 2025-07-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
Formal Mortgage Complaint with Timeline & Protected Burial Site Notice SUMMARY : I am filing this formal complaint to report mortgage servicing misconduct and possible fraud involving XXXX XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX currently : NewRez dba Shellpoint. The actions of both companies have threatened not only my home and financial security but also a property that serves as the final resting place of my loved ones, where ashes and family burial remain are respectfully placed. 
This land is not just property it is sacred. I am pleading for protection, fairness, and legal remedy. 

TIMELINE OF EVENTS : Closing Date : XX/XX/XXXX Loan Originated with XXXX I legally closed on my home through XXXX XXXX XXXX XXXX ( XXXX ). 
There were no disclosures during closing about any transfer to a third-party servicer. 

XXXX  Days After Closing Unexplained Invoices Begin I began receiving invoices from XXXX XXXX XXXX  showing an increased payment amount. 
I contacted XXXX XXXX of XXXX, who told me XXXX  was an associate of XXXX. 
No legal transfer notice, servicing rights assignment, or proper disclosure was ever provided. 

XX/XX/XXXX Ongoing Irregularities Over XXXX months, I made multiple in-person visits to XXXX, seeking : Proof that XXXX  had servicing rights Explanation of inflated unknown payments Proper documentation request regarding server XXXX  refused XXXX validate their authority. ( insurance notice stated default ) XXXX  showed XXXX  as inactive, raising concern of fraudulent servicing. 

XX/XX/XXXX Discovery of XXXX Legal History I discovered that XXXX  was involved in : Prior consumer lawsuits Bankruptcy filings Government investigations for servicing abuse XX/XX/XXXX Contact from XXXX XXXX ( XXXX XXXX ) XXXX XXXX called asking if Id share my payment history, stating that : XXXX promised a {$5000.00} credit for good-standing borrowers XXXX  wanted XXXX help resolve the issue I provided my history in good faith. ( fraudulent insurance practices ) No credit or resolution was ever issued. ( Loan, insurance issues ) insurance claims on property XXXX and pipe ruptured, XXXX XXXX XXXX declared, XXXX Continued refuse correct errors Attempts collect {$15000.00} monthly ( XXXX  declared XXXX to residents without XXXX  responding XXXX. ( Offered forbearance payments still being made. Concerns about excessive unknown fees. Cost of repairs shared with XXXX. 
Despite lack of proof, XXXX  ( or successor ) began attempts to enforce the mortgage, causing : Wrongful default reporting Credit damage Ongoing emotional distress ( XXXX  filed for default during grace period collecting payments without a default. I entered an adversary claim in XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX, XXXX attends XXXX without meditator presents summary report with intent to fraud the court. Requested modification by 14 days of modification. Sent to XXXX, XXXX XXXX atty. On XX/XX/XXXX NewRez/Shellpoint ask for a statement of hardship and what I believe to be my account balance. XXXX XX/XX/XXXX, XXXX  modification prior dated XX/XX/XXXX faxed XXXX and XX/XX/XXXX Sacred Context : Final Remains on Property This is more than a dispute over paperwork. 
The property in question holds the final remains of my loved ones. 
Ashes and burial plots are placed here with reverence and faith. 
This ground is consecrated to my family legacy, and these mortgage companies are threatening to unlawfully seize a property containing human remains. 
This fact must be considered as part of the moral, legal, and ethical implications of wrongful foreclosure or enforcement. 
REQUEST FOR ACTION I am respectfully requesting : A formal investigation into XXXX  and XXXX conduct Protection from further unlawful mortgage enforcement Removal of fraudulent claims or assignments from my property title Immediate cease and desist of collection or foreclosure activity Restoration of correct loan servicing status Enforcement of consumer rights under the Real Estate Settlement Procedures Act ( RESPA ) and Fair Debt Collection Practices Act ( FDCPA ) Supporting Documents ( available upon request or attached ) : Deed & closing documents Payment records XXXX invoices Emails/calls with XXXX  and XXXX XXXX XXXX XXXX showing memorial sites Screenshots from XXXX  Core Issue : Conflicting Mortgage Assignments to XXXX XXXX XXXX have documented XXXX separate mortgage assignments to XXXX XXXX : XXXX. XX/XX/XXXX Executed by XXXX XXXX XXXX assigning the mortgage to XXXX XXXX. 
Signed by XXXX XXXX, Vice President, referencing the mortgage originally executed by you on XX/XX/XXXX and recorded as Instrument # XXXX in XXXX XXXX. 
XXXX. XX/XX/XXXX Executed by XXXX as nominee for XXXX XXXX XXXX XXXX XXXX XXXX, also assigning the same mortgage to XXXX XXXX. 
Signed by XXXX XXXX and XXXX XXXX, both acting as Vice Presidents of XXXX. 
Red Flag : These assignments appear to be executed independently, suggesting no clear recorded transfer from XXXX to XXXX, yet both acted as assignors. This likely violates chain-of-title integrity. 

Supporting Evidence from Your Documents XXXX. Original Loan and Title Chain Loan Date : XX/XX/XXXX Original Lender : XXXX XXXX XXXX XXXX XXXX XXXX. 
Amount : {$190000.00} Title Vesting : Fee simple, vested in you ( XXXX XXXX XXXX ), recorded on XX/XX/XXXX. 
Recorded Mortgage : Documented with XXXX  as nominee for XXXX, XXXX : XXXX. 
2. Servicing History and XXXX  XXXX XXXX  is referenced throughout insurance correspondence from XXXX as your servicer. 
XXXX  initiated force-placed insurance and managed escrow. 
You filed a complaint with the XXXX XXXX XXXXXXXX XXXX against XXXX  in XXXX, alleging : XXXX  abuse Fraudulent servicing Mismanagement and foreclosure attempt in contradiction to bankruptcy protections. 
Issue : No formal recorded assignment from XXXX to XXXX appears in the public chain. Yet XXXX  transferred the mortgage in XX/XX/XXXX, while also being under XXXX  constraints and misconduct orders. 

Title and Insurance Conflicts Title insurance was issued by XXXX XXXX XXXX XXXX XXXX XXXX for {$200000.00} in your name on XX/XX/XXXX. 
Homeowners insurance from XXXX XXXX XXXX was active as of XX/XX/XXXX, naming XXXX as the lender. 
However : XXXX  also force-placed coverage and billed you {$3200.00}. 
This was later cancelled, raising questions about who truly had servicing rights at that time. 
Conclusion : Overlapping servicing claims, force-placed insurance, and missing assignment records together point to questionable authority and potential bad-faith servicing. 

Legal Risks Identified XXXX. Clouded Title : The XXXX assignments conflict, with no clear middle step transfer from XXXX to XXXX. This breaks the required sequential ownership chain. 
XXXX. Assignment XXXX / XXXX XXXX : Both assignments use corporate seals and common robo-signers ( a known issue in similar XXXX litigation ). 
XXXX. Bankruptcy XXXX Violation : XXXX XXXX assignment XXXX violate federal bankruptcy court orders, especially if executed without authorization under reorganization rules. 
XXXX. Servicing Misconduct : Insurance coercion, conflicting notices, and fee padding align with XXXX known history of federal servicing violations. 

Filed Supplemental Complaints Update your XXXX complaint to : CFPB : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX filed there ) Evidence to Provide Copies of the XX/XX/XXXX and XX/XX/XXXX assignments ( already collected ) Insurance letters from XXXX showing XXXX  improper activity Title insurance policy showing XXXX as XXXX lender Proof of XXXX XXXX XXXXXXXX filing XXXX, XXXX and relevant court orders

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