Consumer complaint received 2025-11-19 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: NY

Complaint narrative:
Borrower : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, NY XXXX Servicer : Shellpoint Mortgage Servicing Investor Claimed by Servicer : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  for XXXX, Alternative Loan Trust XXXX Account : XXXX Complaint Summary Shellpoint is threatening foreclosure and demanding more than {$5100.00} monthly while refusing to prove legal standing or properly apply bankruptcy payments, resulting in a falsely manufactured delinquency. They are servicing a loan for a trust that was removed from court records in XXXX for lack of standing. Their written response to my previous CFPB complaint confirms numerous violations of federal mortgage servicing and bankruptcy law. 



XXXX Standing to Foreclose Not Proven Shellpoint claims XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX owns the loan. However : No recorded assignment exists in XXXX XXXX Clerk records transferring Decision XXXX Mortgage to XXXX XXXX The trust ( then identified as Alternative Loan Trust XXXX ) was stricken from the court record in XXXX in my case for lack of standing Shellpoint states XXXX was the nominee and that assignments may not exist this is not legal proof of ownership They can not legally foreclose without showing a complete, recorded chain of title. 



XXXX Misapplication of Bankruptcy Payments Bankruptcy Code XXXX ( i ) Violation Shellpoints own written response states : The loan is due for XX/XX/XXXX Even though my bankruptcy trustee last payment was XX/XX/XXXX That means 13 years of payments are missing or misapplied. 

They also claim a court-approved cramdown was null and void due to a later dismissal despite it being executed and payments applied under court supervision. 

A servicer can not retroactively erase confirmed, executed bankruptcy orders. 



XXXX Escrow Fraud RESPA Violations Shellpoint admitted : Escrow balance is negative {$62000.00} They demand over {$2000.00} monthly to cure a shortage of only {$24000.00} Total monthly payment inflated to {$5100.00} These figures are impossible and unsupported given : Taxes were paid Insurance was force-placed without justification Escrow payments during bankruptcy should have been held and applied correctly Shellpoint is artificially manufacturing delinquency pressure. 



4 Dual-Tracking Foreclosure While Assistance is Pending Shellpoint claims : We were unable to complete the evaluation we did not receive the required documentation. 

I submitted multiple complete loss mitigation packages with acknowledgment emails. 

Yet foreclosure was initiated anyway. 

This violates 12 C.F.R. 1024.41 ( f ) ( g ) prohibiting dual-tracking. 



XXXX False and Contradictory Statements Shellpoint states : Debt is discharged no personal liability But loan reverts to XXXX terms personal liability implied They stopped credit reporting in XXXX due to bankruptcy yet timeline implies an active collection account These contradictions show improper mortgage servicing practices. 



Requested Relief From CFPB I am requesting that Shellpoint be required to : XXXX. Immediately pause foreclosure XXXX. Provide a full chain of title proving legal ownership from XXXX to present XXXX. Correct the loan due date to reflect trustee-applied payments through XXXX XXXX. Perform a full escrow forensic audit XXXX. Restore all bankruptcy modifications previously executed XXXX. Remove all illegal fees, shortages, and forced-placed insurance charges XXXX. Provide a full explanation of the XXXX strike action involving the trust Borrower Good-Faith Efforts I : Filed bankruptcy and paid through trustee Provided every document requested Reached out repeatedly for resolution Filed complaints when Shellpoint refused XXXX correct errors I am not trying to avoid payment I simply want an accurate, lawful accounting and proof that Shellpoint has the legal right to collect. 



Conclusion Shellpoints own written admissions confirm : Standing is unproven Payments were misapplied Escrow accounting is inaccurate Foreclosure is premature and illegal I request a full regulatory investigation and immediate intervention to protect my home. 



Thank you for your time and attention. 
Please notify me of all follow-up communications. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Email : XXXX Phone : 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