Consumer complaint received 2025-02-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Shellpoint Partners, LLC
State: LA

Complaint narrative:
Shellpoint Mortgaging Service tried to force a foreclosure on my home by failing to properly communicate to their foreclosure attorney that my account was being transferred to a new company. Instead, Shellpoint informed their attorney to proceed with a foreclosure sale, and now there is a foreclosure date set on my home that their attorney does not have the authority to cancel because Shellpoint no longer owns my loan and he no longer has access to my files. 

My Approval to Participate with Shellpoint expired on XX/XX/XXXX, so in XX/XX/XXXX, I began the deed- in- lieu of foreclosure process with XXXX XXXX at Shellpoint Mortgage Servicing XXXX 

On XX/XX/XXXX, I was served with a XXXX notice from the sheriff 's office with a foreclosure sale date XX/XX/XXXX, and informed XXXX XXXX. XXXX XXXX then informed me that the foreclosure sale date was put on hold due to my account being in loss mitigation. 

Between XX/XX/XXXX and XX/XX/XXXX, I worked with XXXX XXXX to send in the necessary documents to obtain title information from my XXXX. On XX/XX/XXXX I was updated by XXXX XXXX that I was still in the deed-in-lieu process, and that Shellpoint 's title company was awaiting communication from my HOA. 

On XX/XX/XXXX, I was informed by GMFS/Shellpoint that my loan would be transferred to a new servicer XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX, and asked XXXX XXXX how this would affect my deed-in-lieu of foreclosure process, to which she replied that she would continue to work the case and the new servicer would continue where she left off once the files were transferred. 

On XX/XX/XXXX I received another notice from the sheriff 's office of a XXXX sale set for XX/XX/XXXX. Also on XX/XX/XXXX, I reached out to XXXX XXXX and to Shellpoint 's attorney XXXX XXXX XXXX to inquire about why I am still receiving XXXX notices while I am loss mitigation. XXXX XXXX informed me that XXXX XXXX XXXX was aware to continue to put foreclosure sales on hold while I am in the deed-in-lieu process, however, XXXX XXXX at XXXX XXXX XXXX informed me that on XX/XX/XXXX, Shellpoint informed his firm to proceed with a foreclosure sale, even though I was still in the process of deed-in-lieu. He said that he was awaiting communication from Shellpoint through their communication portal, but was unsuccessful. 

On XX/XX/XXXX, I contacted XXXX XXXX to inform him that the reason he was unsuccessful in getting communication from Shellpoint was because my account had been transferred to a new servicer. XXXX then informed me that he can no longer cancel the foreclosure sale date on my home with the Sheriff 's office because he no longer has access or authority over my files, since they have been transferred to XXXX XXXX XXXX. XXXX XXXX also informed me that Shellpoint did not transfer my file to XXXX until XXXX XXXX, XXXX, even though my loan was transferred one week prior. 

On XXXX XXXX XXXXXXXX, I also spoke with XXXX to work on communicating with my Sheriff 's office so that the foreclosure sale date can be canceled on my home since I am still in the deed-in-lieu process, as I was no longer able to communicate with Shellpoint Mortgage.

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