Consumer complaint received 2025-10-06 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: GA

Complaint narrative:
CFPB Complaint and Demand for Document Production Shellpoint Mortgage Servicing This filing supplements and replaces prior submissions regarding Shellpoint Mortgage Servicings ongoing violations of federal law. Shellpoint has failed to provide a substantive response to my Qualified Written Request ( QWR ) dated June 17, 2025, in violation of 12 U.S.C. 2605 ( e ) of the Real Estate Settlement Procedures Act ( RESPA ). The servicer continues to rely on fraudulent and incomplete documents to justify servicing a loan it does not own. 

The QWR requested full documentation of ownership, assignments ( recorded and unrecorded ), and proof of servicing authority for the loan associated with my property at XXXX XXXX XXXX, XXXX, GA XXXX ( Loan No. XXXX ). Shellpoint failed to produce any of these materials, instead recycling the same unsupported statement that XXXX XXXX, XXXX, as successor trustee to XXXX, XXXX, as trustee for XXXX XXXX XXXX XXXX XXXX is the investor. Shellpoint continues to rely solely on a XXXX Assignment of Mortgage executed by XXXX XXXX as Vice President of MERS, even though the XXXX XXXX XXXX XXXX XXXX was terminated in XXXX according to SEC filings XXXX 

The Note and Allonge produced by Shellpoint confirm that the note was never lawfully transferred. The Allonge to Note is blankit contains no endorsement, no transferee, and only the signature of XXXX XXXX, Vice President of XXXX XXXX  XXXX XXXX A blank allonge means that the original lender did not endorse or transfer the note to any other entity. Under the Uniform Commercial Code ( XXXX XXXX and XXXX ), a note without a specific endorsement can not be legally negotiated or enforced by another party. Because the allonge is blank, there is no proof that XXXX XXXX, XXXX, XXXX, or Shellpoint ever became the lawful holder of the note or obtained rights to collect payments. 

Despite this, Shellpoint continues to collect payments, send letters, and make collection-related communications. This conduct constitutes ongoing violations of RESPA and the Fair Debt Collection Practices Act ( FDCPA ), including misrepresentation of debt and failure to validate ownership. 

Shellpoint has ignored specific document requests, including : - All recorded and unrecorded assignments of the Security Deed and Note ; - Proof that XXXX XXXX is an active entity with lawful trustee authority ; - Verification of Shellpoints servicing contract and custodial authorization ; - Complete servicing transfer history identifying each prior servicer and effective dates ; - Custodial or investor agreements authorizing Shellpoint to collect payments ; - Escrow and payment application history since origination. 

Because Shellpoint has refused to comply with federal law and continues to rely on fraudulent filings, I was forced to file a Quiet Title Action, Discovery and Lis Pendens in XXXX XXXX XXXX XXXX ( Case No. XXXX ) to protect my property rights and establish clear title.

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