Consumer complaint received 2024-12-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Response from Shellpoint after over 120 days based on my complaint and is just a general response that took close to 120 days. Shellpoint violated the XXXX XXXX XXXX XXXX by not proving any response to my dispute since XX/XX/XXXX. I should have received a response in 30 days, and its been over 120 days with no response at all. ( Attached ) confirmation from upload portal I will get response in XXXX to 10 days. 
XXXX. I stated interest of {$2300.00} was too excessive for 3 months compared to XXXX from XX/XX/XXXX to XXXX XXXX {$490.00} and attached copy to Shellpoint complaint filed on XX/XX/XXXX. Shellpoint has refused to inform to dispute since XX/XX/XXXX and still refused to respond as on XX/XX/XXXX. 
XXXX. Response stating Shellpoint do not support claim SLS interest of {$490.00} baseless and violation of XXXX XXXX XXXX XXXX. Dispute filed on XX/XX/XXXX had several attachment which included copy of interest charged by XXXX confirmation. 
XXXX. ON XX/XX/XXXX I UPLOAD DOCUMENTS THROUGH THE WEB SITE PORTAL AND RECEIVED CONFIRMATION I WILL GET RESPONSE IN XX/XX/XXXX ITS OVER 120 DAYS THERE IS NO RESPONSE ITS VIOLATION FAIR DEPT PRACTICE NOT TO SEND RESPOND OF DISPUTE. 
XXXX. I stated principal balance is {$38.00}, XXXX Shellpoint no facts on this have been stated or disputed so I presumed balance is correct {$38000.00}. I should get refund for over paid loan of {$25.00}, XXXX. 
XXXX. Shellpoint admits SLS took of {$17000.00} and reported to IRS and made false tax reporting I will file complaint with IRS for XXXX XXXX violation Shellpoint accessory after the fact. AS STATED IN RESPONSE XXXX IS INCLUDES INTEREST FOR THAT YEAR AND TAX PAID FOR THAT YEAR TRUE. BUT ITS NOT TRUE FOR AMOUNTED THAT WAS PAID AMOUNT NOT LISTED OF {$3200.00}. 
XXXX. Its a tax fraud to collect {$17000.00} tax and report IRS in XXXX number XXXX to property tax {$3200.00} BUT I PAID {$17.00}, XXXX. Its false, fraud and misleading. I paid {$3.00}, XXXX. 
XXXX. XXXX does not state anything about public nuisance therefore public nuisance is not an escrow account and I should get refund of {$7500.00} since no has records of this. 
XXXX. I HAVE PAID FULL BALANCE AS PER PAY OFF AMOUNT PROVIDED TO ME ON XX/XX/XXXX ( Attached ) {$64000.00} AND PAYOFF QUOTE ORDER ON XX/XX/XXXX FOR WHAT AND WHY I SHOULD I PAY {$66000.00} BASED ON RESPONSE DATED XX/XX/XXXX. 
XXXX. AMOUNT I OWE NEGATIVE ESCROW IS FOR WHAT WHEN ENTIRE LOAN WAS PAID ON XX/XX/XXXX AND SHELLPOINT DISAGREE PAYOFF AMOUNT IS ACCURATE. 
A. XXXX POST OFFICE DATE SHOWS MAILING DATE OF XX/XX/XXXX. 
Federal law states postmark date XXXX the date of payment and not when payment is received. 
XXXX Timely mailing of documents and payments treated as timely filing and paying. 
( a ) General rule. Section 7502 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 ( e ) of this section ( B ) SHELLPOINT AND REPRESENTATIVE XXXX XXXX XXXX XXXX MENTALLY SICK, ABSENT MINDED AND RETARRED TO TELL ON XX/XX/XXXX PAYOFF CREATED ON XX/XX/XXXX IS CORRECT WHEN ENTIRE BALANCE HAS BEEN PAID. 
XXXX. ITS TOTALLY AND FULL MISLEADING DEED HAD ESCROW ACCOUNT DEED DID NOT ESCROW ACCOUNT AND IT WAS 101 % CLEAR. THIS THE REASON PAYMENT SHOWS XXXX & I {$920.00} On XX/XX/XXXX I spoke to an agent named XXXX and he explained so do recorded system on the phone states the same. 
a. SHELLPOINT HAVE MY DISPUTE FILED ON XX/XX/XXXX AND DOCUMENTS THAT WAS UPLOADED. BUT I CAN NOT EXCESS SO HE WILL EMAIL THE ATTACHMENT AND MAIL ME HARD COPY TOO. 
b. Response date XX/XX/XXXX states OUR RECORDS DO NOT SUPPORT YOUR CLAIM SLS ONLY BILLED INTEREST OF {$490.00} Representative response is only courtesy as law requires important to tell me this. ( attached ) entire pay off amount from XXXX dated XX/XX/XXXX. JUST BECAUSE HE STATES IT DOSE NOT SUPPORT THEREFORE XXXX AND SHELLPOINT SHOULD GO AND BUY BINOCULARS TO SEE THAT FOR CLOSE TO 90 DAYS WHAT RESEARCH XXXX DID NONE AND THAT IS WHY I STATED ON MY COMPLAINT NO XXXX I STATED THERE IS NO EXTENSIONS CLOSE TO TWO MONTHS LATER. 
XXXX I WAS FURTHER EXPLAINED PAYMENT WAS APPLIED TO MY ACCOUNT ON XX/XX/XXXX IN VIOLATION ABOVE POST MARK DATE LAW. 
i. XXXX NARK DATE IS XX/XX/XXXX. 
ii. XXXX XXXX LEFT PAYMENT IN XXXX XXXX XXXX EXHIBITS D DELIVERY CONFIRMATION AFTER IT WAS NOT PICKED BY SHELLPOINT ON XX/XX/XXXX. 
iii. RETURN DATE OF XXXX POST OFFICE RECEIPT IS XX/XX/XXXX. 
iv. I DID NOT MAIL, WROTE OR MADE ANY PAYMENT ON XX/XX/XXXX, ENTIRE XXXX WAS PAID OFF ON XX/XX/XXXX. 
XXXX. CFPB COMPLAINT XXXX WAS FILED ON XX/XX/XXXX SHELLPOINT SHOULD APPLY THE PAYMENT SEND TITLE TO ME. ITS XX/XX/XXXX, NO TITLE HAS BEEN RECEIVED. 
XXXX. WITH A FAILED ATTEMPT TO HAVE PAYMENT APPLIED I FILED MULTIPLE OTHER COMPLAINT WITH XXXX, STATE OF CALIFORNIA AND SO ON. 
XXXX. My follow of letter dated XX/XX/XXXX to provide response to my dispute date XX/XX/XXXX has been futile attached this letter was emailed. 
XXXX. My written request to apply for payment on XX/XX/XXXX was emailed and faxed was also futile to my payment applied. See attached letter. 
FINALLY, I DEMAND THIS TO BE RESOLVED AND GET RESPONSE IN XXXX NO LATER THAN XX/XX/XXXX I WILL ANY EXTENSION TO WASTE MY TIME AND XXXX XXXX TOO.

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