Consumer complaint received 2026-04-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Shellpoint Partners, LLC
State: MN

Complaint narrative:
The original complaint, XXXX. Complete information was NOT presented to your company by Newrez. See the following information. Welcome XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX MN XXXX Loan Number : XXXX Last Login : Dashboard Payments Escrow Statements Mortgage Assistance Help My Profile Secure Message Center Logout My Account Payment History Filter Transaction Start Date MM/DD/YYYY End Date MM/DD/YYYY Transaction Date Transaction Amount Due Date Description Principal Amount Interest Amount Escrow Amount Late Charge Amount Principal Balance Escrow Balance XX/XX/XXXX - {$2400.00} XX/XX/XXXX Insurance Premium Disbursement {$00.00} {$00.00} - {$2400.00} {$00.00} {$95000.00} - {$1600.00} XX/XX/XXXX {$1300.00} XX/XX/XXXX Regular Payment {$420.00} {$350.00} {$540.00} {$00.00} {$95000.00} {$730.00} XX/XX/XXXX - {$48.00} XX/XX/XXXX NonRecoverable Insurance XXXX {$00.00} {$00.00} {$00.00} {$00.00} {$95000.00} {$730.00} XX/XX/XXXX - {$2500.00} XX/XX/XXXX Insurance Premium Disbursement {$00.00} {$00.00} - {$2500.00} {$00.00} {$95000.00} {$190.00} XX/XX/XXXX {$1300.00} XX/XX/XXXX Regular Payment {$410.00} {$360.00} {$560.00} {$00.00} {$95000.00} {$2700.00} XX/XX/XXXX - {$48.00} XX/XX/XXXX NonRecoverable Insurance XXXX {$00.00} {$00.00} {$00.00} {$00.00} {$96000.00} {$2100.00} XX/XX/XXXX {$1300.00} XX/XX/XXXX Regular Payment {$410.00} {$360.00} {$560.00} {$00.00} {$96000.00} {$2100.00} XX/XX/XXXX - {$48.00} XX/XX/XXXX NonRecoverable Insurance XXXX {$00.00} {$00.00} {$00.00} {$00.00} {$96000.00} {$1500.00} XX/XX/XXXX - {$1200.00} XX/XX/XXXX Surplus Disbursement {$00.00} {$00.00} - {$1200.00} {$00.00} {$96000.00} {$1500.00} XX/XX/XXXX {$1300.00} XX/XX/XXXX Regular Payment {$410.00} {$360.00} {$560.00} {$00.00} {$96000.00} {$2800.00} XX/XX/XXXX - {$48.00} XX/XX/XXXX NonRecoverable Insurance XXXX {$00.00} {$00.00} {$00.00} {$00.00} {$96000.00} {$2200.00} XX/XX/XXXX - {$2100.00} XX/XX/XXXX Tax Bill XXXX Disbursement {$00.00} {$00.00} - {$2100.00} {$00.00} {$96000.00} {$2200.00} XX/XX/XXXX {$1300.00} XX/XX/XXXX Regular Payment {$410.00} {$360.00} {$560.00} {$00.00} {$96000.00} {$4300.00} XX/XX/XXXX - {$48.00} XX/XX/XXXX NonRecoverable Insurance XXXX {$00.00} {$00.00} {$00.00} {$00.00} {$97000.00} {$3800.00} XX/XX/XXXX {$1300.00} XX/XX/XXXX Regular Payment {$410.00} {$360.00} {$560.00} {$00.00} {$97000.00} {$3800.00} XX/XX/XXXX - {$48.00} XX/XX/XXXX NonRecoverable Insurance XXXX {$00.00} {$00.00} {$00.00} {$00.00} {$97000.00} {$3200.00} XX/XX/XXXX {$1300.00} XX/XX/XXXX Regular Payment {$410.00} {$360.00} {$560.00} {$00.00} {$97000.00} {$3200.00} XX/XX/XXXX - {$48.00} XX/XX/XXXX NonRecoverable Insurance XXXX {$00.00} {$00.00} {$00.00} {$00.00} {$98000.00} {$2600.00} XX/XX/XXXX - {$48.00} XX/XX/XXXX NonRecoverable Insurance XXXX {$00.00} {$00.00} {$00.00} {$00.00} {$98000.00} {$2600.00} XX/XX/XXXX {$1300.00} XX/XX/XXXX Regular Payment {$410.00} {$360.00} {$560.00} {$00.00} {$98000.00} {$2600.00} XX/XX/XXXX {$1300.00} XX/XX/XXXX Regular Payment {$400.00} {$370.00} {$560.00} {$00.00} {$98000.00} {$2100.00} XX/XX/XXXX - {$48.00} XX/XX/XXXX NonRecoverable Insurance XXXX {$00.00} {$00.00} {$00.00} {$00.00} {$98000.00} {$2100.00} XX/XX/XXXX - {$2100.00} XX/XX/XXXX Tax Bill XXXX Disbursement {$00.00} {$00.00} - {$2100.00} {$00.00} {$99000.00} {$1500.00} XX/XX/XXXX {$1300.00} XX/XX/XXXX Regular Payment {$400.00} {$370.00} {$560.00} {$00.00} {$99000.00} {$3600.00} XX/XX/XXXX - {$50.00} XX/XX/XXXX NonRecoverable Insurance XXXX {$00.00} {$00.00} {$00.00} {$00.00} {$99000.00} {$3100.00} XX/XX/XXXX {$330.00} XX/XX/XXXX Escrow Only Payment {$00.00} {$00.00} {$330.00} {$00.00} {$99000.00} {$3100.00} XX/XX/XXXX {$1300.00} XX/XX/XXXX Regular Payment {$400.00} {$370.00} {$560.00} {$00.00} {$99000.00} {$3000.00} XX/XX/XXXX - {$220.00} XX/XX/XXXX Addl Ins Premium Disbursement {$00.00} {$00.00} - {$220.00} {$00.00} {$99000.00} {$2700.00} XX/XX/XXXX - {$50.00} XX/XX/XXXX NonRecoverable Insurance XXXX {$00.00} {$00.00} {$00.00} {$00.00} {$99000.00} {$2400.00} XX/XX/XXXX {$250.00} XX/XX/XXXX Escrow Only Payment {$00.00} {$00.00} {$250.00} {$00.00} {$99000.00} {$2400.00} XX/XX/XXXX {$1300.00} XX/XX/XXXX Regular Payment {$400.00} {$370.00} {$560.00} {$00.00} {$99000.00} {$2100.00} XX/XX/XXXX - {$50.00} XX/XX/XXXX NonRecoverable Insurance XXXX {$00.00} {$00.00} {$00.00} {$00.00} {$100000.00} {$1600.00} XX/XX/XXXX - {$1900.00} XX/XX/XXXX Insurance Premium Disbursement {$00.00} {$00.00} - {$1900.00} {$00.00} {$100000.00} {$1600.00} XX/XX/XXXX - {$50.00} XX/XX/XXXX NonRecoverable Insurance XXXX {$00.00} {$00.00} {$00.00} {$00.00} {$100000.00} {$3500.00} XX/XX/XXXX {$1300.00} XX/XX/XXXX Regular Payment {$400.00} {$370.00} {$560.00} {$00.00} {$100000.00} {$3500.00} XX/XX/XXXX - {$50.00} XX/XX/XXXX NonRecoverable Insurance XXXX {$00.00} {$00.00} {$00.00} {$00.00} {$100000.00} {$3000.00} XX/XX/XXXX {$1300.00} XX/XX/XXXX Regular Payment {$400.00} {$370.00} {$570.00} {$00.00} {$100000.00} {$3000.00} XX/XX/XXXX - {$50.00} XX/XX/XXXX NonRecoverable Insurance XXXX {$00.00} {$00.00} {$00.00} {$00.00} {$100000.00} {$2400.00} XX/XX/XXXX {$1300.00} XX/XX/XXXX Regular Payment {$390.00} {$380.00} {$570.00} {$00.00} {$100000.00} {$2400.00} XX/XX/XXXX {$1300.00} XX/XX/XXXX Regular Payment {$390.00} {$380.00} {$570.00} {$00.00} {$100000.00} {$1800.00} XX/XX/XXXX - {$50.00} XX/XX/XXXX NonRecoverable Insurance XXXX {$00.00} {$00.00} {$00.00} {$00.00} {$100000.00} {$1200.00} XX/XX/XXXX - {$2000.00} XX/XX/XXXX Tax Bill XXXX Disbursement {$00.00} {$00.00} - {$2000.00} {$00.00} {$100000.00} {$1200.00} XX/XX/XXXX - {$50.00} XX/XX/XXXX NonRecoverable Insurance XXXX {$00.00} {$00.00} {$00.00} {$00.00} {$100000.00} {$3300.00} XX/XX/XXXX {$1300.00} XX/XX/XXXX Regular Payment {$390.00} {$380.00} {$570.00} {$00.00} {$100000.00} {$3300.00} XX/XX/XXXX - {$50.00} XX/XX/XXXX NonRecoverable Insurance XXXX {$00.00} {$00.00} {$00.00} {$00.00} {$100000.00} {$2800.00} XX/XX/XXXX - {$50.00} XX/XX/XXXX NonRecoverable Insurance XXXX {$00.00} {$00.00} {$00.00} {$00.00} {$100000.00} {$2800.00} XX/XX/XXXX {$1400.00} XX/XX/XXXX Regular Payment {$390.00} {$380.00} {$650.00} {$00.00} {$100000.00} {$2800.00} XXXX, Shellpoint Mortgage Servicing Licensing & Disclosure Information Terms and Conditions Mortgage Servicing Fee Schedule Servicing Legal Disclosure Do not sell my information Download Mobile App

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