Consumer complaint received 2025-01-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Shellpoint engage in corruption, fraud and violated double jeopardy and post mark date of federal law 27 CFR 70.305 ( Timely Mailing Treated as Timely Filing ) Reponses to complaint number XXXX, XXXX and XXXX CFPB is jerk in our society and waste of taxpayers. CFPB is kick back entity for federal government and must be closed asap. 
CFPB must be close by XXXXXXXX XXXX XXXXXXXX for being XXXX XXXX for receiving entire XXXX response on same language. 
Prior response Shellpoint can not establish with having with having SLS records of {$490.00} interest charged. See exhibit B. 
Notice of error has been sent and now if the basis of the complaint that and I do plan to file sue Shellpoint which also include XXXX XXXX CFPB, HUD and so as defendants including filing fraud and corruption complaint with US attorney, DA, attorney general, FBI and so. I will also file complaint for adding and abetting fraud, corruption and double jeopardy against CFPB and Hud with XXXX. 
I have been confirmed multiple times Shellpoint has all these records and refuse to provide as exhibit A. 
Entire XXXX response same language is nothing other than refusing to provide respoken to my complaint filed with Shellpoint on XXXX/XXXX/XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Via Certified Mail Re : NOTICE OF ERROR/REQUEST FOR INFORMATION Borrower : XXXX XXXX Account No XXXX : XXXX Property Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear SLS : This is a Notice of Error under 12 C.F.R. 1024.35 ( b ) ( 5 ) and ( 11 ) and Request for Information under 12 C.F.R. 1024.36. I am writing as of XXXX and XXXX XXXX, the borrower for the above-referenced account. 

I. Background Shellpoint ( SLS ) took over the servicing of XXXX XXXX loan on or about XX/XX/XXXX. 
On XX/XX/XXXX we obtained payoff from the web site and portal of Shellpoint for the amount of {$64000.00} which had {$2900.00} interests and {$150.00} fee and {$640.00} escrow paid, {$110.00} hidden fee. 
On XX/XX/XXXX with multiple attachment XXXX file dispute with Shellpoint and unload documents. I was promised I will get response in XXXX to 7 days its now close to XXXX months past I have not received response to my dispute as of XX/XX/XXXX, but I have received XXXX documents via XXXX postal service in matter of 3 months See Exhibit A confirmation. 
Follow up dispute without attachment was filed with CFPB and I received response on XX/XX/XXXX Shellpoint can not determine the facts. Shellpoint had entire documents on file which have been confirmed multiple times by Shellpoint. 
New dispute was filed with CPPB and I received response on XX/XX/XXXX still it does not address of my dispute that Shellpoint was not determine my dispute. Entire XXXX response dated XX/XX/XXXX are same on the complaint filed with CFPB are different. 
Response is same and on XX/XX/XXXX I was explained Shellpoint can not decide SLS interest charged {$490.00} which Shellpoint has copy since XXXX B provide again with CFPB complaint XXXX. Despite having entire exhibits since XX/XX/XXXX the copy once again there is no response to this. 
On XX/XX/XXXX I obtained pay off amount online through web site portal and mailed the check on XX/XX/XXXX. Total of check number XXXX, XXXX and XXXX was {$64000.00} Included with pay of cover sheet staple XXXX place with all XXXX checks. 
1. PRINCIPAL BALANCE OF {$60000.00} EVEN WITH STATEMENT DATED XX/XX/XXXX, PAYOFF RECEIVED IN THE MAIL ON XX/XX/XXXX AND XX/XX/XXXX ARE ALL SAME PRINCIPAL BALANCE. ADDED WITH PAYMENT AS PER PAYOFF OBTAINED ONLINE ON XX/XX/XXXX WAS {$110.00} HIDDEN FEE, {$180.00} RELEASE FEE AND {$640.00} TOTAL CHECK WAS {$61000.00} 2. CHECK NUMBER XXXX WAS {$150.00} HIDDEN FEE I HAVE REQUEST INFORMATION WITH CFPB COMPLAINT NO RESPONSE TO THIS HAVE BEEN PROVIDED.

3. CHECK NUMBER XXXX WAS DISPUTED INTEREST OF {$2900.00}. EXHIBIT A CHECK COPIES TOTAL AMOUNT PAID {$64000.00}. see EXHIBIT C ONLINE PAYOFF OF XX/XX/XXXX AND EXHIBIT B SLS PAY OF INTERPRET {$490.00} My dispute filed on XX/XX/XXXX with multiple attached documents there is no response as of XX/XX/XXXX despite. I have been informed entire dispute and attached received document was on XX/XX/XXXX. See Exhibit A acknowledgment. 
See Exhibit D is cover note with XXXX check payments were made for very clear amount based on only payoff amount. 
On my phone call on XX/XX/XXXX I was explained principal balance is {$2400.00} interest {$21.00}, {$22.00} fee for line and {$180.00} release fee is unpaid is fraud. I received multiple letters and statement all stated principal balance of {$60000.00} as online pay off, mortgage. See Exhibit XXXX states principal balance is {$60000.00}, mortgage statement of XX/XX/XXXX, XXXX and payoff dated XX/XX/XXXX states principal balance {$60.00}, XXXX EXHIBIT XXXX. 
Another payoff amount was received on XX/XX/XXXX by the time full payment check was at the address I was proved to send any disputes. Check was never pick up at post office and it was sitting at post office. Payoff amount states {$60000.00}. See Exhibit F So, as I explained on XX/XX/XXXX principal balance {$2400.00} where is coming from when I have paid full amount fraud and corruption? 
Shellpoint have been sending me payoff amount without my request, without my knowledge, against my will and every time different fees and other charges added. I received of another payoff XX/XX/XXXX against my knowledge and without knowledge and request. See Exhibit G {$2400.00} FRAUD AND CORRUPTION POST MARK DATE XXXX Timely mailing of documents and payments treated as timely filing and paying. 
( a ) General rule. Section XXXX provides that, if the requirements of that section are met, a document or payment is deemed to be filed or paid on the date of the postmark stamped on the envelope or other appropriate wrapper ( envelope ) in which the document or payment was mailed. Thus, if the envelope that contains the document or payment has a timely postmark, the document or payment is considered timely filed or paid even if it is received after the last date, or the last day of the period, prescribed for filing the document or making the payment. Section 7502 does not apply in determining whether a failure to file a return or pay a tax has continued for an additional month or fraction thereof for purposes of computing the penalties and additions to tax imposed by section 6651. Except as provided in section 7502 ( e ) and 301.7502-2, relating to the timely mailing of deposits, and paragraph ( d ) of this section, relating to electronically filed documents, section 7502 is applicable only to those documents or payments as defined in paragraph ( b ) of this section and only if the document or payment is mailed in accordance with paragraph ( c ) of this section and is delivered in accordance with paragraph ( XXXX ) of this section.

Payment mailed on XX/XX/XXXX post mark is the date of payment not XX/XX/XXXX, XX/XX/XXXX. Payments applying any other days is violation of above federal law.

II. Notice of Error Federal law 301.7502-1 Timely mailing of documents and payments treated as timely filing and paying. Post mark date on the is XX/XX/XXXX Exhibit C payoff of XX/XX/XXXX. See Exhibit H post office receipt Is the date of the payment not when its received or other date. To comply with federal law payment should be applied on XX/XX/XXXX not the date received or check got cleared. 
According to phone recorded and explanation of XX/XX/XXXX my XXXX payment was applied on XX/XX/XXXX. No check was written on XX/XX/XXXX and delivery date is XX/XX/XXXX XXXX Exhibit H return signature check received on XX/XX/XXXX. 
I paid {$180.00} release fee and with check number XXXX of {$61000.00} and I should not be asked to pay twice. 
Its a double jeopardy to ask me to pay {$180.00} and is illegal whether its related civil or criminal matter. 
Violation of double jeopardy of California and federal laws will be subjected to be an issue to be dealt with if this is not resolved. 
I should not be asked to pay interest of {$21.00} all interest have been paid with check number XXXX. 
I should not be asked to pay principal balance of {$2400.00} there should be no principal balance all has been paid.

I should not be asked to pay {$22.00} fee for lien I do not owe this amount. 
Its fraud state principal balance {$2400.00} and criminal conduct based on exabit Furthermore, XXXX XXXX has paid full balance of loan as it was provided online on XX/XX/XXXX including fee and. At this point, Shellpoint must remove all charges and fees associated with the XXXX from XXXX XXXX account and release the title no later than XX/XX/XXXX. 
I made XXXX prior requests to release tile and lien on XX/XX/XXXX. See Exhibit I and Exhibit J See Exhibit K is return signature payment post mark date was XX/XX/XXXX. 
III. Conclusion and Request for Information In response to this Notice of Error and Request for Information, please do the following : Entire payment of {$64000.00} how the payments were applied our account and the date it was applied.

To the extent any of these refunds or reversals have already been made, provide an accounting of the date and amount of any refund/reversal, and a description of how it was applied ; and Provide a transaction history for the account from XX/XX/XXXX to present. 
Provide an updated escrow account analysis reflecting these requested adjustments. 
I DEMAND LAST TIME DATE PROPERTY INSPECTION ADDRESS WHERE PERSON DROVE TO INSPECT THE PROPERTY ADDRESS, XXXX METER READING BEFORE HE OR SHE LEFT OFFICE OF THE VEHICLE. XXXX METER WHEN HE OR SHE RETURNED TO OFFICE. TOTAL MILES DRIVEN AND FROM THE OUR HOME TO THEIR OFFICE. I NEED OFFICE ADDRESS OF THE INSPECTION PERSON WHO CAME TO INSPECT THE PROPERTY. 
Please note that you may not charge the account fees for responding to this request. See 12 U.S.C. 2605 ( k ) ( 1 ) ( B ).

You are required to acknowledge this request in writing no later than five ( 5 ) business days after receipt and must provide the information requested no later than thirty ( 30 ) business days after receipt. 
Please forward your response to my attention by email to XXXX and, hard copy to mailed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

You may contact me with questions regarding this request at XXXX, XXXX or at XXXX. 
Sincerely, 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