Consumer complaint received 2020-06-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
To Whom this may concern, XXXX Im in dire need of some help and investigation into a predatory loan I recieved to purchase a house at XXXX XXXX XXXX XXXX XXXX XXXX on XXXX. Please bear with me because i feel the need to te explain the History of events that has lead to this complaint against XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX   XXXX/XXXX XXXX/XXXX XXXX/XXXX   XXXX/Shellpoint Mortgage. This is how many companys that my original Purchase Money Mortgage  has been Transfered to. I really dont know if the last two are ligitimate since they never sent me letters of assignment, and my explaination of whats happening currently, will follow within this complaint, after the History getting me to this point. I know its alot to process ... Please try to imagine how confusing its been to me to be at the XXXX end of the stick these companies have been smaking me with causing me unbearable mental stress and great financial Harm. 
I originally bought this house ( XXXX XXXX XXXX XXXX XXXX. XXXX ) directly behind a home i lived in and that was owned by a close friend whom had died in the home. i paid XXXX for it and used a purchase money mortgage thru XXXX XXXX XXXX XXXX Mortgage loan # ( XXXX ) to buy it. They made purchasing it very difficult because we were in a minority neighborhood that had been redlined and the mortgage broker acted like i should be glad he could find any lender at any rate to finance it. I hadnt planned on keeping the loan for very long. i was just trying to secure it until i could pay it off quickly ... Little did i know I was about to come under attack.. I had great credit and put down 20 % and after all loan fees ect they finally granted a mortgage for XXXX on it. It was immediatly assigned to XXXX XXXX XXXX then assigned it to XXXX XXXX and then the proplems started..I wasnt even sure if my mortgage company was ligitimate at this point since they transfered it to so many so quickly ... They just felt like someone trying to steal the property and immediatly also started stating they would get a deficit judgement and come after my Home i  lived in if i didnt pay any monies they demanded. They immediatly started attacking and harrassing me and putting force place insurance on the property ( even tho i had insurance ) and making me prove mutiple times that i did have insurance. The original pmt was {$320.00} They stopped accepting my payments because i wouldnt pay there force placed insurance ... I had insurance on it and provided proof but they said until i paid what they said i owed and would have to await a refund or they would not accept my payments.. They then started with multiple inspection fees ... late fees ect that spiraled out of control thus leading to the filing for a foreclosure on XXXX ( case # XXXX ) in XXXX XXXX XXXX  Dismissed XXXX .They did this Less than 1 year of my purchase. I had to get a 2nd mortgage on my home to pay them and there Attorney the money they demanded to stop the foreclosure. Whick turned out to be a few thousand more than was owed which they eventually returned to me a few months later without a full explination why.. I wish i could say this was the end of it but it really was only beginning. 
XXXX then transfered the Loan to XXXX XXXX which almost immediatly started with similar tactics ... Id just pay what they wanted and then wait for the refunds ... they eventually would come. This went on for years.. Then in XXXX They hired a new guy ( Im assuming because id never heard from him before ) He started calling saying my pmt was late every month ... I sent them on the first when i got paid which was the due date. but by the 2nd of each month id get a call from him wanting a copy of check sent tho i had a grace period..This was before i started using online Banking so i had no copies of the checks sent. If i wouldnt answer the phone he would keep calling until i did ... multiple times a day demanding i pick up the phone even tho i wasnt home. Id have to hear my filled ansering machine play these messages back almost daily. this went on for years..dealing with force placed insurance and constant calls from this guy.. I tried to reach out to a supervisor but somehow he had locked in my phone number so i could only speak with him no matter what phone number id call for XXXX. 
In XX/XX/XXXX i did fall behind a payment by 8 days. I told him i needed some help and asked if they would work with me because i was mailing the check out now. Id gotten sick and as soon as i said i was XXXX XXXX  things changed with him immediatly i could hear it in his voice.. He burrated me and started calling 10x a day now. He said i couldnt catch the payment up unless i paid about XXXX in costs that Foreclosure has started.. I sent in my next 3 payments and they wouldnt cash them ... i noticed this in my checking statements..But they hadnt returned them either.. This guy called so many times a day i could even answer my phone anymore for any reason ... He would call using blocked numbers. He called 30x on XXXX right up till 9 at night ... I took a picture of my caller ID. and documented this into the answer to the foreclosure complaint they eventually would file.. In XXXX i started answering the calls just to end up having long arguments with this guy ... He said he was going to make it his personal mission to destroy me. I couldnt believe what i was hearing.. He then started calling my neighbors asking for me. They would tell him i dont live there but he would still call them..I was so humiliated.. I told him i took a picture of my caller id showing he called 30x on XXXX XXXX  XXXX  then he hung up on me. It didnt stop his calls but the amount went down..when i answer to try and talk he wouldnt say a word.. just laugh and hang up.. i wrote a letter finally to XXXX. telling them about this guy and got no response. in XXXX i get a letter with nothing in it but my XXXX XXXX XXXX uncashed mortgage checks in it. I still have them..i throw away nothing. Then a few weeks later another envelope with my XXXX pmt in it..Then suddenly all calls stopped..Then i get a loud knock on my glass front door Serving me with a foreclosure Notice Dated XXXX.File # XXXX. The guy delivering it started an argument and said this wouldnt have happened if id Paid my XXXX ( I want say those words ) mortgage pmts.. Then i call theyre Attorneys and they say that it would take about XXXX to stop this.. I fell apart ... I knew i didnt have XXXX ... The tenants had moved from the house after staying for 5 months without paying rent..There was an inspector showing up every other day taking pictures and of coarse adding fees ontop of the XXXX. I had a nervouse breakdown over this..Thank God my Doctor put me on Medication so i came out of panic mode and started defending myself thru the court system responding to every letter. XXXX had hoped they had broken me down so they could just get a default and take my house ... Once they seen i was defending myself they stopped participating in the foreclosure they initiated so the Court DISMISSED the Case for LACK OF PROSECUTION on XXXX. I had No idea there was a Civil suite against XXXX of which they were fined MIllions for the very same things they had been doing to me.. I should have been afforded an opportunity to participate or for all I know my mortgage may have been included in that settlement.. I just happen to come across this while researching a bit to prepare this letter. 
I then hear nothing from XXXX for 2 years and Not Knowing they now had changed there name to XXXX  of which they never sent me a letter saying the servicing had been transfered to XXXX  ... Then They start a New foreclosure case # XXXX on XXXX. This time i hire an Attorney.. Then on XXXX They petition the Court and Do a Voluntary Dismissal. I didnt know it at the time but They had filed for Bankrupcy. Even tho i was in active litigation with them i had never been contacted about there Bankruptcy or i would have sent a letter to the Court Handling it. For all i know imy mortgage may have also been included in the Bankruptcy.. 
Now finally we get to the reason of this Letter/Complaint. 
On or around XXXX Someone showed up to the property thats the subject of this letter claiming to be a representative of MY mortgage company and were walking around taking pictures..wearing No Masks during our Ordered Stay At Home Orders from our local and state Governments scaring my current tenants there ... Then the next day a Lady pulls up into the yard off the driveway and right up to the house taking pictures saying shes from my mortgage companys insurance company once confronted ... The Tenants had run down to see whats going on and why shes taking pictures and she says " well just in case the house burns down we need records of whats here '' XXXX This really scared them..They didnt know if that was a threat or what. Then a letter comes to that address on or about XXXX..addressed to me Sent Via XXXX from Shellpoint Mortgage servicing. At the time im up North, out of state, helping look after my Cousins because my XXXX  contracted XXXX and was in Hospital and later passed into Gods Arms ... I get in my car and Drive 10 hrs back here after hearing how frighned my tenants are and to get the letter which i have that states.. " As you are aware your loan is delinquient and we have made several attempts to contact you '' Which is not True. i then turn around and drive 10 hrs back up North at which time my XXXX  now has died just to get another call from my tenants that theres a letter now in the mail box from Shellpoint addressed to me that says Statement.. I did not rush back this time but did come home early, and a few days later after telling the renters to forward it to my home address. ( When i was down just a few days earlier i also put in a change of address tho Ive never lived at that property or ever received mail there ) .. Ive been at my current Home 10 years and all previous correspondance concerning any mortgage or litigation concerning that property and The Property Tax Bills have all come here to my home at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The first letter that came to the subject property via XXXX said i owed {$34000.00} to this company dated XXXX. And the second letter sent by regular mail that was forwarded to me has an amount owed as {$77000.00}. The loan numbers with each of the companys i listed at the top of this letter all have different loan numbers but the last 3 do all have the Same mailing address. I suspect its all XXXX just different names. I do not know this company ... have never had any correspondance with them before and suspect its a fraudulant company thats attempting to get money from me concerning a mortgage that may have been desolved thru one of the 2 legal proceedures i mentioned above XXXX  Class Action Suite settled for 63 Mil to the FTC and CFPB or the XXXX  Bankrupcy case.. This loan may have been written off via the Return filed to the IRS or as part of the Bankrupcy proceedings of any of the abouve mentioned Mortgage companies. No proff of this loan being ligitamte or transfered has ever come to me. 
Please inquire as to the ligitimacy of what theyre attempting to get from me. 
Also ... .This Loan no longer shows on my Credit Report as its been removed, from what was explained to me by a representative at the credit bureau XXXX due to statutory credit reporting guidlines and no suit has been filed against me nor a lis pendings filed against my property, Its so inappropriet for these people to be starting all this during this pandemic when im at such a disadvantage to defend myself, They now have been coming by my home in XXXX XXXX taking pictures but speed off when i try to ask them to identify themselves. Any Help you can give would be greatly appreciated. I did send them a certified Letter over 3 weeks ago and they want even sign for it.. I suspect its the same XXXX People just under another name hiding from Liability. The tactics seem to be following the same pattern. i am getting lots of calls from unknown numbers but No messages being left. Ive had the previous owner and a Tenant die in the home falling dead in the same spot. They both were extremely close to me and i will fight till the end of all legal battles to keep this house. Tho its covered with asbestos siding that needs abating and has the old nob n tub wiring..Bad roof and a Tree unleveling its foundation it means the world to me.

I do request a formal investigation into this matter. Ill put the info in here as to the current company thats doing this. This has been going on for 10 years for a house barely worth its assessed value.. The original XXXX company representative said HE would rather sell it on courthouse steps for pennies on the dollar than back off on attacking me ... DISCRIMINATION HAS TO STOP! Im sick of being Bullied. Fining these companies and allowing Bankruptcy does no good when all they do is change there name and keep the same people there who caused the problems to start with. 

Thank You Sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Company Harrassing me and my tenants at my house XXXX XXXX XXXX XXXX Florida XXXX is : Shellpoint Mortgage Servicing and Loss Mitigation Consultants alleged Loan # XXXX XXXX XXXX XXXX XXXX XXXX  XXXX This is first return address on first letter and one i sent a certified Letter too XXXX XXXX XXXX XXXX XXXX  XXXX This is where theyre demanding payment to be made too in 2nd Letter

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation