Consumer complaint received 2026-03-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
In early XXXX I started to contact Shellpoint Mortgage Services to validate the debt and they started to act irregular by transferring to services to XXXX funding and then back to them when I didn't acknowledge them as the new loan servicers, at this time no response with documents requested and in early XXXX they started to respond telling me they needed more time and to contact my bank XXXX mortgage XXXX XXXX created during this time of document request, they filed foreclosure with the XXXX XXXX XXXX XXXX XXXX. XXXX, fraudulent procurement of a state court foreclosure judgment through fabricated documents, robo-signed assignments, and a void transfer into a securitized trust, original complaint including a certificate of original note attached with a photocopy of the note all documents are uploaded in to the Docket I have appealed to the third XXXX case XXXX. XXXX but every motion gets denied I had a certified auditor perform an audit that shows a broken chain of tittle and inconsistencies to the ownership of the note, I filed with the Southern District XXXX XXXX XXXX. XXXX all documents uploaded to docket, According to the Affidavit of XXXX XXXX, a certified Mortgage XXXX Loan XXXX, previously filed with this Court as XXXX No. XXXX and attached as Exhibit A hereto, Defendants created a completely fraudulent chain of title through XXXX successive assignments, each executed by robo-signers without actual authority : Assignment XXXX ( Page XXXX of XXXX XXXX ) : XXXX : XX/XX/XXXX From : MERS to CWHL Servicing LP Signed by : XXXX XXXX XXXX, claiming to be `` Asst Sec for MERS '' Audit Finding XXXX " WITHOUT DISCLOSURE OF EMPLOYMENT '' Notarized in : XXXX XXXX, Florida by XXXX XXXX XXXX Assignment XXXX ( XXXX XXXX XXXX XXXX XXXX ) : Dated : XX/XX/XXXX From : MERS to XXXX XXXX XXXX XXXX Signed by : XXXX XXXX and XXXX XXXX, claiming to be " Asst Sec for MERS '' Audit Finding : " WITHOUT DISCLOSURE OF EMPLOYMENT '' Notarized in : XXXX XXXX, California by XXXX XXXX XXXX Assignment XXXX ( Page XXXX of XXXX XXXX ) : Dated : XX/XX/XXXX From : XXXX XXXX XXXX XXXX XXXX. to XXXX XXXX XXXX XXXX XXXX Signed by : XXXX XXXX and XXXX XXXX, claiming to be " AVP for XXXX '' Audit Finding : " WITHOUT DISCLOSURE OF EMPLOYMENT '' Notarized in : XXXX XXXX XXXX, California by XXXX XXXX. XXXX Assignment XXXX ( Page XXXX of XXXX XXXX ) : Dated : XX/XX/XXXX From : MERS to XXXX XXXX XXXX Signed by : XXXX Born , claiming to be " AVP for MERS '' Audit Finding : " WITHOUT DISCLOSURE OF EMPLOYMENT '' Notarized in : XXXX XXXX XXXX Arizona by XXXX XXXX XXXX XXXX The audit notation " WITHOUT DISCLOSURE OF EMPLOYMENT '' on each assignment establishes that the signers were not actually employed by the entities they claimed to represent. These were robo-signers hired to mass-produce fraudulent assignments. XXXX. The multi-state notarization pattern is physically impossible. Signers claiming to work for MERS in Virginia or XXXX XXXX XXXX in North Carolina could not have personally appeared before notaries in Florida, California, and Arizona. This establishes the signatures were mass-produced by document fabrication companies, not genuine corporate officers. XXXX The Void Transfer into the Securitized Trust XXXX. This is the fatal defect. According to Page XXXX of XXXX XXXX, the audit reveals : Trust Settlement Date : XX/XX/XXXX Assignment XXXX to Trust : XX/XX/XXXX Time Gap : XXXX months AFTER trust closed XXXX. Under New York XXXX XXXX ( which governs the Trust ), transfers into a common law trust must occur before the trust closing date. Assignments made after the closing date are void ab initio and can not be ratified. XXXX. Defendants presented this void assignment to the state court as valid proof of ownership. The state court judgment based on a void assignment is void and subject to collateral attack. XXXX The Broken Chain of Note Possession XXXX. Page XXXX of XXXX XXXX shows the Chain of Note Possession : Stage Note Holder Status Origination XXXX XXXX XXXX XXXX. Valid Sponsor UNKNOWN BREAK IN CHAIN Depositor UNKNOWN BREAK IN CHAIN Issuing Entity XXXX Mortgage XXXX XXXX Void transfer XXXX. Page XXXX of XXXX XXXX shows the promissory note bears a blank endorsement signed by XXXX XXXX XXXX XXXX XXXX Managing Director '' of XXXX. The endorsement fails to name a transferee. There is no evidence this endorsement was ever delivered to the Trust. XXXX XXXX XXXX XXXX XXXX and Fraud on the XXXX XXXX. On XX/XX/XXXX, the state court entered final judgment of foreclosure based on Defendants ' submissions. XXXX. Defendants presented the following fraudulent documents to the state court : XXXX robo-signed assignments ( ECF XXXX XXXX pp. XXXX ) A void post-closing assignment to the Trust ( ECF XXXX XXXX p. XXXX ) A note with blank endorsement and broken chain of possession ( ECF XXXX, pp XXXX XXXX, XXXX ) XXXX. These documents were essential to the state court 's jurisdiction. Without valid proof of ownership, Defendants lacked standing to foreclose. The state court judgment is void ab initio because it was procured through fraud on the court.

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