Consumer complaint received 2025-08-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
CONSUMER INFORMATION Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Phone : ( XXXX ) XXXX Email : XXXX Age : XXXX ( Protected Elder Consumer ) Company : Caliber Home Loans ( Master Servicer ) Loan Number : XXXX Original CFPB Complaint : XXXX ( Filed XX/XX/year> ) FORECLOSURE SALE DATE : XX/XX/year> EMERGENCY DEMAND : FORECLOSURE MORATORIUM DURING CFPB PROCESS I am NOT objecting to Caliber taking additional time to respond to my XX/XX/year> complaint. However, they MUST halt the foreclosure sale while the CFPB investigation is pending. 

THIS WILL CAUSE ME 100 % IRREVERSIBLE HARDSHIP if they are allowed to proceed with foreclosure while failing to address the violations in my complaint. 

THE FUNDAMENTAL PROBLEM Caliber is creating an impossible situation : - They want more time to respond to serious RESPA and FDCPA violations- But they refuse to halt the foreclosure sale scheduled for XX/XX/year> - This creates irreversible harm while the CFPB process unfolds This is exactly what RESPA 's dual tracking provisions were designed to prevent. 

LEGAL BASIS FOR FORECLOSURE MORATORIUM XXXX. RESPA XXXX XXXX XXXX ( 12 C.F.R. 1024.41 ) - Servicers can not proceed with foreclosure while borrower applications/disputes are pending - My CFPB complaint contains debt validation demands and modification requests- XXXXXXXX XXXX own request for extension proves these matters remain unresolved - Federal law requires foreclosure cessation during this period XXXX. FDCPA VALIDATION REQUIREMENTS ( 15 U.S.C. 1692g ) - I sent debt validation demands with XXXX response from XXXX - All collection activity ( including foreclosure ) must cease until validation provided- They can not simultaneously claim they need more time while advancing collection XXXX. IRREPARABLE HARM STANDARD Financial Harm : Loss of {>= $1,000,000} home and $ XXXX XXXX in equity Personal Harm : Homelessness for XXXX XXXX homeowner on fixed income Procedural Harm : Denial of due process during active CFPB investigation CALIBER 'S CONTRADICTORY POSITION Caliber 's position is legally inconsistent and predatory : What they're saying : " We need more time to investigate and respond to these serious allegations '' What they're doing : " But we're going to complete the foreclosure before we finish investigating '' This contradiction proves bad faith and dual tracking violations. 

SPECIFIC RELIEF REQUESTED XXXX. ISSUE EMERGENCY FORECLOSURE MORATORIUM Order Caliber to halt the XX/XX/year> foreclosure sale pending : - Complete response to my XX/XX/XXXX CFPB complaint - Full debt validation as required by FDCPA - Resolution of all RESPA XXXX tracking violations - Completion of CFPB XXXX XXXX. ENFORCE FEDERAL LAW COMPLIANCE Require Caliber to comply with existing federal regulations : - RESPA 's prohibition on dual tracking ( 12 C.F.R. 1024.41 ) - FDCPA 's validation requirements ( 15 U.S.C. 1692g ) - XXXX  XXXX XXXX of Rights ( XXXX XXXX XXXX ) XXXX. PREVENT IRREVERSIBLE HARM Recognize that foreclosure creates immediate, irreparable damage : - Can not be undone if violations are later proven - Causes severe hardship to elderly, XXXX homeowner - Undermines the entire CFPB complaint process HARDSHIP DOCUMENTATION As a XXXX XXXX homeowner on fixed income : - Social Security Income : Protected from collection under federal law - Primary Residence : Only asset and shelter - Medical Conditions : Unable to work or relocate - Equity at Risk XXXX XXXX XXXX  XXXX in home equity subject to wrongful taking This foreclosure will cause 100 % financial devastation and potential homelessness. 

PRECEDENT AND AUTHORITY CFPB Authority : The Bureau has clear authority to halt harmful practices during investigations RESPA Requirements : Federal law already requires foreclosure cessation during pending applications Elder Protection : Special protections exist for vulnerable elderly consumers Hardship Standards : Courts routinely halt foreclosures pending resolution of procedural violations REASONABLE SOLUTION I am offering a completely reasonable resolution : Caliber can take whatever time they need to respond properly CFPB can conduct thorough investigation of violations All parties get due process protection But foreclosure MUST be halted during this process This protects everyone 's rights while preventing irreversible harm. 

CONCLUSION The foreclosure sale is scheduled for XX/XX/year> - just days away. 

I am not demanding instant responses or rushing the CFPB process. I am simply requesting that federal law be followed- which requires halting foreclosure during pending validation requests and CFPB investigations. 

This is bordering on elder abuse, and this must cease and desist. 

This is a reasonable request that protects due process while preventing catastrophic hardship. 

Time is of the essence. Please issue an emergency order halting this foreclosure immediately. 

Respectfully submitted, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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