Consumer complaint received 2024-11-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
In a recent complaint to the CFPB I made a complaint that my mortgage company was possessing XXXX falsified loan applications and I was being charged for both of those loans at the same time by a prior servicer who no longer can be contacted because they merged with my current mortgage servicer. Shellpoint is possessing these documents these fraudulent loan applications. I am not required by law to provide them with any documentation or anything in regards to reporting fraud and mortgage fraud. Shell point is committing fraud by possessing and failing to report these fraudulent loan applications because of them and their failure and prior services failing to report the XXXX falsified loan applications I have been charged illegally for XXXX mortgage loans and FHA and a conventional mortgage loan at the same time on the same house while only having XXXX mortgage loan. The company they merged with XXXX is one of the companies that charge me illegally because of the XXXX loan applications for a FHA mortgage loan which I don't even have. Shell point is doing everything in their power to falsify and hide this information and they refuse to report these fraudulent documents that they are possessing. they are also committing a federal crime by possessing these documents knowing that they were used fraudulently to obtain a federal mortgage loan and done so in an illegal manner. Shell point provided me copies of both of the loan applications who I informed did not even match my lenders credit vendors credit report it had inflated income that was used a falsified bank amount an incorrect XXXX that was used to obtain mortgage insurance and there was no assets listed whatsoever. The agent that supplied me with the copies from Shell point stated it was illegal to be possessing these documents and not reporting them and that a XXXX report should be completed and that I should request a XXXX report completed by Shell point. I sent a letter that also contained proof of payment straight from my bank bank statements at the same time they were never uploaded and my payment amount is wrong and they are falsifying the fact that I was behind in payments it is only stated that way because they have merged with the company that was falsifying the information and charging me incorrectly for XXXX mortgage loans at the same time they even provided proof that actually said that it was occurring across the top of every document that they provided me stating that they didn't see anything. they're lying. they're committing crimes. they have my balance wrong everything 's wrong. and in the response all they did is repeat all the errors all the wrong amounts and it's unacceptable. This company is committing a crime. it should not be allowed by the CFPB. they state if I want them who are mandated reporters to report the crime of them possessing these documents illegally that I have to fill out a complete denial of financial responsibility. Do you know what kind of implications that would be why would I have to feel something like that out because a fraudulent documents they are possessing mandated reporters who are required by federal law to report these illegal documents that they have in their possession. I will not take the fall for this company any longer they are sneaky and committing crimes positively not will I provide that information and I'm not required to the CFPB needs to wake up and do something about this company because they are committing a crime I don't know how many times this needs to be stated but to allow them just write a little note and say whatever is unacceptable.

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