Consumer complaint received 2025-10-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
The mortgage servicer and plaintiff in a foreclosure action, XXXX XXXX XXXX XXXX and its agent Shellpoint Mortgage Servicing, have engaged in misleading, harassing, and deceptive practices in violation of multiple federal and state consumer-protection laws, including the Truth in Lending Act ( TILA ), Real Estate Settlement Procedures Act ( RESPA ), Consumer Financial Protection Act ( CFPA ) ( prohibiting unfair, deceptive, or abusive acts or practices UDAAP ), the Fair Debt Collection Practices Act ( FDCPA ), and the Florida Consumer Collection Practices Act ( FCCPA ). 1. TILA / RESPA Disclosure Violations XXXX and Shellpoint failed to provide accurate and timely disclosures of the loans true ownership and servicing transfers. Conflicting allonges ( one blank and one specially endorsed to XXXX ) and a late-executed assignment of mortgage were concealed from the borrowers, depriving them of clear notice of the entity legally entitled to enforce the note. 2. Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) Filing foreclosure based on contradictory documents and a year-late assignment constitutes a deceptive and unfair practice under 12 U.S.C. 5531. The companies misrepresented their legal authority to collect and enforce a debt they could not prove they owned. 3. FDCPA ( 15 U.S.C. 1692f et seq. ) XXXX and its servicing agent used unfair and unconscionable means to collect a debt by : o Repeatedly trespassing and harassment on the property ; o Misrepresenting ownership and legal standing ; and o Continuing collection and foreclosure activity without a present, enforceable interest in the loan. 4. FCCPA ( Fla. Stat. 559.72, 559.553 ) Shellpoint, acting as a debt collector, attempted to collect without the license required by 559.553 and misrepresented the character and ownership of the debt in violation of 559.72 ( 7 ) and ( 9 ). 5. CFPA / UDAAP The combined conductfalse filings, harassment, and disregard of borrower communicationsconstitutes unfair, deceptive, and abusive behavior in connection with mortgage servicing, directly regulated by the CFPB. Due to the foregoing standing deficiencies, nondisclosures, and multiple statutory and federal law violations I mailed my first notice of intent to sue on XX/XX/year>. Thereafter, additional pre-suit notices and demands for remedy were sent on XX/XX/year> ; XX/XX/year> ; XX/XX/year> ; XX/XX/year> ; and XX/XX/XXXX and XXXX, XXXX. Despite these multiple good-faith attempts to resolve the matter without litigation, XXXX failed to respond adequately. These actions caused emotional distress, loss of quiet enjoyment, reputational harm, and a clouded title to my home. I have brought a counterclaim in court seeking quiet title and damages, but I submit this complaint to request CFPB oversight and investigation into XXXX XXXX XXXX XXXX and Shellpoint Mortgage Servicing for systemic consumer-finance violations. XXXX XXXX XXXX XXXX, primarily a life insurance entity, has entered the mortgage business for investment purposes through its affiliate, XXXX XXXX XXXX XXXX. However, XXXX foreclosure filings show procedural irregularities and defective documentation inconsistent with prudent institutional and fiduciary standards expected of a regulated financial entity. XXXX XXXX XXXX XXXX, acting as plaintiff in our foreclosure, has not demonstrated lawful possession or standing to enforce the note, and the documentation relied uponincluding conflicting allonges and a late-recorded assignmentfails to establish a valid chain of title. This conduct raises significant consumer protection and transparency issues under the Truth in Lending Act ( TILA ), Real Estate Settlement Procedures Act ( RESPA ), and the Consumer Financial Protection Act ( CFPA ), which prohibit deceptive and unfair servicing and foreclosure practices. I respectfully request the CFPBs investigation into the use of insurance affiliates such as XXXX XXXX XXXX XXXX in mortgage acquisition and enforcement, particularly when such entities are not primary lenders or servicers and operate without adequate consumer disclosures or verification of legal standing. Public reviews and consumer accounts about XXXX XXXX XXXX and investment operations reveal a troubling pattern of deceptive and misleading practices, including allegations of fraud, misrepresentation, and failure to honor obligations. These complaints mirror the same lack of transparency and accountability observed in XXXX mortgage operations. This suggests broader corporate deficiencies in consumer protection compliance. I respectfully request that the CFPB evaluate XXXX XXXX XXXX XXXX overall adherence to federal consumer protection standards across all product lines, including its mortgage holdings and foreclosure practices. ( Attached is the counterclaim and supporting documents showing the conflicting allonges, late assignment, false affidavit, Shellpoints Legal Disclosures, and Collection notice from XXXX XXXX XXXX XXXX . evidencing harassment, misleading filings, and statutory and consumer law violations. )

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