Consumer complaint received 2022-07-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
Consumer Claims Complaint Against XXXX XXXX and Shellpoint ( A Division of Newrez ) Both Mortgage Servicing Companies This complaint is against XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Telephone : XXXX XXXX Shellpoint This complaint is against Shellpoint Mortgage Servicing, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX Telephone : XXXX These companies practices are deceptive. 
XXXX XXXX is my current Mortgage Loan Servicer, and they fail to honor Loan Modification changes made to my loan filed by prior Loan Servicer Greentree Servicing recorded in XXXX XXXX Florida on XX/XX/XXXX. This XXXX Modification changed the terms of the loan as well as deleted my ex-husbands name from the Mortgage it as the Grantor and changed the terms of the Mortgage. Ex- also relinquished his rights to property by signing over the Deed to this property as well. 
The loan Servicer before XXXX was Shellpoint Mortgage, I was in review for a Modification of my mortgage when my loan was transferred to XXXX. Note, that Shellpoint didnt honor modification changes as well. These Servicers are involved in some type of illegal scam making funds from mortgage insurance and foreclosures. The Mortgage Servicer Ditech was servicing my loan in XXXX prior to Shellpoint. I filed for Bankruptcy in XXXX. XXXX wrote my Attorney and stated that a modification may involve some or all of the following changes to the mortgage loan : Bringing the account current Reducing the interest rate on the loan Extending the term of the loan, and or/ Delaying repayment of the portion of the loans principal until the maturity date Once I completed the Bankruptcy Ditech was filing bankruptcy and they never completed the Modification process- loan was transferred to Shellpoint who didnt honor Ditechs commitment to assist me- the circle continued. 
XXXX XXXX is currently misleading me in my current modification process. I have hired an attorney to assist with my Foreclosure process and have channeled all modification document request through my attorney to theirs. They are currently working behind the scenes using tactics like requesting that I send documents that were forward to them already over and over. Also, they are requesting that my ex-husband send documents to them as well. We have been divorced for years. Stalling and misleading me. They are using this tactic to prevent a modification from occurring so they can foreclose on a home. XXXX has filed for foreclosure. 
XXXX XXXX has yet to send necessary information for loan refinance. I have requested loan payoff information and have yet to receive this information and it starting to feel like XXXX is taking steps to prevent a refinance from occurring, since the refinance can cause the loss of revenues from losing my loan. 
( Just received payoff XX/XX/XXXX ) Amount is inflated with fees. 
XXXX is a wholly owned subsidiary of XXXX, a specialized investment management firm focused on real estate, mortgage finance and corporate credit with more than {$20.00} XXXX in assets under management. My property has already been placed in pre-foreclosure status. Which demonstrates to me that this company is not operating in good faith. I started this loan Modification process last year and my loan was transferred to XXXX, and they are not operating in good faith. It is a hardship when they ask for me to re seen documents over and over. 
XXXX has placed forced insurance on my loan. I have sent copies of insurance information several times via email as well as my attorney has forwarded this information. 
I am asking that this company honor the original modification recorded and or make my loan more affordable by lowing the principal amount. 
Visit : XXXX XXXX XXXX for more information about this company.

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