Shellpoint

This is a supplemental complaint referencing my prior CFPB complaint filed XX/XX/XXXX, regarding loan # XXXX, property at XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, serviced by Shellpoint Mortgage Servicing / Newrez LLC. In their response to my original complaint, Shellpoint alleged the XXXX XXXX policy was " canceled at your request effective XX/XX/XXXX. '' This allegation was the sole foundation of their defense against the {$6700.00} lender-placed insurance ( LPI ) charge imposed on my escrow account. I submitted a formal RESPA Request for Information on XX/XX/XXXX, demanding documentary evidence of this alleged cancellation request any written authorization, signed form, or recorded call. In their XX/XX/XXXX response, Shellpoint produced zero evidence and silently dropped the allegation without retracting it or correcting the record with the CFPB. This constitutes a material misrepresentation made to a federal regulator.…

Shellpoint Mortgage incorrectly associated my mortgage loan with the wrong XXXX XXXX property tax parcel. The loan should be associated with the parcel for my mortgaged unit, but Shellpoint appears to have used the parcel for another apartment that I also own and pay taxes for directly through ACH payments. Because of this error, Shellpoint disbursed escrow funds to the wrong property tax account. I identified XXXX incorrect escrow disbursements : XX/XX/XXXX {$2100.00} XX/XX/XXXX {$580.00} The total amount incorrectly disbursed from my escrow account was {$2700.00}. After these incorrect disbursements, my escrow account showed a negative balance. Shellpoint then completed an escrow analysis and increased my monthly mortgage payment from {$2300.00} to {$3100.00} effective XX/XX/XXXX. This represents an increase of {$820.00} per month, resulting from an escrow shortage that appears to have been caused by Shellpoint sending tax payments to the incorrect parcel.…

I have XXXX loans with XXXX company. All XXXX loans were set up with an XXXX account. They failed to pay my property tax bill to all XXXX back in XX/XX/year>. I have called 4 times, written letters and faxed in all information. They say its been paid when it has not.

Subject : XX/XX/XXXX Supplemental CFPB Complaint Against NewRez/Shellpoint Regarding Unfounded Escrow Increase, XXXX Confirmation , Manufactured Default, Payoff Obstruction, and Improper Liquidation/DIL Pressure To Whom It May Concern : I am submitting this supplemental complaint against NewRez LLC d/b/a Shellpoint Mortgage Servicing concerning my VA-backed mortgage loan for XXXX XXXX XXXX, XXXX, TN XXXX, Loan No. XXXX. This supplement concerns a new escrow development discovered on XX/XX/XXXX, involving NewRezs use of an XXXX homeowners insurance figure to create or justify an additional escrow burden. Today, XX/XX/XXXX, XXXX confirmed to us that NewRez/Shellpoint can not use the {$2800.00} XXXX insurance amount as a new or additional escrow charge because that annual premium has already been handled through the escrow/mortgagee billing process. XXXX confirmed that NewRezs use of that amount to create an additional escrow basis is unfounded.…

I received a letter from " Newrez '' thats dated XX/XX/year> which states I have an outstanding balance on my mortgage that is needed to reinstate my mortgage. The amount is {$3600.00} no later than XX/XX/year>. In which, I have made 2 payments totaling {$1900.00}. Therefore, I presently owe for XXXX and XXXX. Therefore, as of this date I am only 30 days behind on my mortgage. The mortgage has never gone into foreclosure. Also, my loan was transferred to this company on XX/XX/year> ( 30 days ago ) The letter has a charge in the amount of {$890.00} that states it is for : " Unapplied Corporate Advance/ Late/ NSF/ Attorney Fees '' And the amount of {$890.00} has an astrick mark behind it. This fee was not carried over from my other servicer, therefore I don't understand that. Also, the entire literature : My loan is having to be reinstated??? This company has caused me teary and sleepless nights.…

I am filing this new complaint because Newrez closed my previous complaint with a false response and continues to violate federal law.In XXXX, an Illinois judge granted me 100 % sole ownership of my home through a final divorce decree. Under CFPB Regulation X ( 12 CFR 1024.30 ), this legally makes me a " Successor in Interest. '' Newrez is required by federal law to treat me the exact same as the original borrower.Instead, Newrez is giving me the runaround and stalling. They previously claimed they could not talk to me because " I am not on the account, '' which completely ignores Successor in Interest rules. They are also illegally demanding a physical quitclaim deed from my ex-husband, even though he has been missing for over a year and the court-certified divorce decree legally transferred the title under Illinois law ( 735 ILCS 5/2-1304 ) .I have a pending Streamline Modification application with Newrez according to their attorney in court on XX/XX/year>.…

I want the servicer to remove the prepayment penalty from my payoff statement unless it can produce a signed original loan document that clearly authorizes the fee. I also want a complete copy of the Promissory Note, Closing Disclosure, Security Deed, any riders or addendums, a full payoff breakdown, and a written explanation of when and why the prepayment penalty was added to my account. I believe this is an unauthorized payoff fee and/or loan boarding error after servicing transfers.

We have a mortgage from Shellpoint Mortgage Servicing month after month, they keep saying they haven't received the payment.Then about three weeks later, then they all of a sudden say, they received the payment, they don't process it immediately and continue to harass us and send us letters month after month for more than 6 months that they haven't received the payment. this happens consistently. Below is the attachment for the month of XXXXThen, finally, then the knowledge it was received weeks later. And now XXXX. The payment was made XX/XX/XXXX, XXXX it's confirmed in the bank that it went through confirmation number # XXXX but they don't seem to be applying our payments on our account properly plus they say they never received the insurance that we paid in full through the insurance company. We have sent it to them XXXX different times and it's either not getting to the correct department, unless they're doing this intentionally because of my age, and i'm in my late XXXX 's.…

We are writing to formally request the CFPBs urgent intervention regarding the predatory and uncooperative actions of Shellpoint Mortgage Servicing. My husband and I are a hardworking family of XXXX, currently working seven days a week to recover from sudden, temporary income shocks : my husband experienced setbacks with his XXXX contract, and I unexpectedly lost XXXX XXXX XXXX deals in escrow simultaneously. Despite our proactive communication, calling Shellpoint nearly every day since our hardship began two months ago... they have completely refused to offer any meaningful loss mitigation, rejecting our repeated requests for a short-term repayment extension or plan. Furthermore, on XX/XX/2026, Shellpoint summarily denied us a loan modification under the blanket claim that it has been less than 12 months since our loan 's inception, displaying a complete disregard for the CARES Act or standard investor flexibility guidelines regarding immediate hardships.…

I'm filing this complaint with respect to my repeated attempts to resolve my foreclosure situation with Shellpoint loan servicing. There are a number of Respa and servicing guidelines that Shellpoint has failed/refused to follow and now, as I'm trying to resolve this matter, I'm being cornered with only a liquidation option. I've attached all the points that we are requesting shell point to respond to but have been unable to get even a customer service representative on the phone to do so. The attached XXXX XXXX THRU XXXX TIMELINE OF EVENTS WITH SHELLPOINT document is my explanation of what has happened and ; The attached XXXX SHELLPOINT VERIFICATION document has the questions that Ive been trying to get answered for a month now - unsuccessfully

Im an XXXX in XXXX XXXX. Recently while struggling to keep current on my mortgage, I noticed several behind the back late fee payments of egregious amounts. Newrez is already collecting a larger than normal servicing fee on my account and the amounts that they have charged on NSF and late fees are over XXXX dollars. Furthermore the firm maintains an extremely strict, intolerant, and financially deleterious policy of only one late fee dispute per year in a time where gas prices are at an all time high, I have a family, my hourly rate as an XXXX is XXXX dollars and my interest rate has been locked at a lofty XXXX without help. On top of it New Rez has several times tried to charge over XXXX to close a refinance during several cry for helps in the last year. My requests to address the problem of NSF high mtge rates and late fee gouging have been shrugged off.…

THIS IS NOT A DUPLICATE COMPLAINT. WE HAVE NOT RECEIVED A RESPONSE. Via Email : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Shellpoint Mortgage Servicing XXXX XXXXXXXX XXXX XXXX, SC XXXX RE : Correspondence Claim # XXXX for Account # XXXX XXXX XXXX Loan Servicing Department : I am writing to you because of a problem with a negative note on my credit report. I would like this to be rescinded for the following reasons. ( See attached ITEM # XXXX Report ) Shellpoint purchased my loan from XXXXXXXX XXXX on XX/XX/XXXX. My last mortgage payment to XXXX XXXX was withdrawn on XX/XX/XXXX from XXXXXXXX XXXX ( See attached ITEM # XXXX XXXXXXXX XXXX Statement ) I received my first mortgage statement from Shellpoint around the XXXX of XX/XX/XXXX. I called customer service to explain I had just received a statement from Shellpoint dated XX/XX/XXXX.…

I am filing this complaint because Newrez has mishandled my homeowners insurance account, repeatedly provided conflicting information, and continues charging me for force-placed insurance despite my repeated efforts to resolve the issue. I do not have an escrow account. I pay my homeowners insurance and property taxes directly. There was a two-month lapse in my homeowners insurance coverage last year. However, I did not receive timely notice because the insurance-related notices were mailed to an old address. This is particularly concerning because Newrez had already been sending my regular mortgage statements to my current address. While routine correspondence consistently reached my current address, the important insurance notices did not, preventing me from addressing the issue before force-placed insurance was added. Once I became aware of the problem, I obtained homeowners insurance and promptly submitted proof of coverage to Newrez.…

b'I have been the subject of nothing less than an unrelenting attack for 1 1/2 years by Shellpoint Newrez my mortgage servicer. There has been no relationship to my experience and the duties of mortgage servicers that are primarily outlined under the federal Real Estate Settlement Procedures Act (RESPA) and governed by the Consumer Financial Protection Bureau (CFPB)servicers are bound by strict legal requirements. \nPayment Processing ; Accurately and promptly crediting your monthly payments as soon as they are received.\nError Resolution: Investigating and correcting mistakes when borrowers submit written notices of error. Servicers are required by law to acknowledge requests within 5 days and resolve errors within 30 to 45 days.\nLoss Mitigation: Assisting borrowers who are struggling to make payments by properly evaluating applications for loan modifications, repayment plans, or other relief alternatives before initiating foreclosure.…

Dear XXXX XXXX Team, I am writing to request your assistance with an unresolved loss mitigation request that has now been pending for approximately XXXX months. Earlier this year, I experienced an involuntary job loss. Recognizing the potential financial impact, I proactively contacted Shellpoint Mortgage Servicing before missing any mortgage payments to request information about hardship assistance and available loss mitigation options. My goal has always been to remain current on my mortgage, preserve my credit, and responsibly manage this temporary financial hardship. Since initiating this process, I have provided the requested documentation, including financial information, hardship documentation, and updated materials whenever requested. Despite these repeated submissions, I continue to find myself in what appears to be the beginning of the review process each time I contact customer service.…

Shellpoint continues to contact my wife, XXXX XXXX XXXX at the rental property address. I have notified them, in writing, via email, that all correspondence and contact is to occur at our home at XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX. Attached is my latest attempt to get them to stop sending correspondence to the wrong address. Thank you.

Shellpoint is issuing an income denial today but currently has a temporary hold on the foreclosure. My XXXX confirmed she has all our updated documents for three incomes uploaded today. I am filing this complaint to ensure Shellpoint does not lift the foreclosure hold when the denial processes. I demand the hold remain in place while underwriting reviews the new income profile. ''

Company : Newrez LLC Issue : Mortgage Servicing Improper Escrow Administration and Property Tax Payment I am submitting this complaint regarding Newrez LLC 's handling of my mortgage escrow account and its administration of my property taxes despite having notice of my pending 100 % XXXX Veteran homestead exemption. I am a 100 % XXXX XXXX XXXX XXXXXXXX veteran and qualify for a full property tax exemption on my primary residence under XXXX law. On XX/XX/year>, after receiving notice of a mortgage increase, I submitted my application for the 100 % XXXX Veteran Residence Homestead Exemption to the XXXX XXXX XXXX XXXX with all required supporting documentation. That same day, I provided Newrez with documentation from the Department of Veterans Affairs verifying my XXXX status and notified the company that my exemption application had been filed. I was informed by the XXXX XXXX XXXX XXXX that processing the exemption could take approximately twelve weeks.…

Subject : STATUTORY RESPA VIOLATION COMPLAINT : Request for Manual Regional Specialist Review, Investigation of Systemic Overrides, and Deletion of Discrepant, System-Flagged Foreclosure Fees Company Name ( s ) in Complaint : XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) / NewRez LLC dba Shellpoint Mortgage Servicing To Whom It May Concern, I am filing this formal consumer administrative complaint pursuant to the Real Estate Settlement Procedures Act ( RESPA ), 12 CFR Section 1024.36 ( Requests for Information ), and the Truth in Lending Act ( TILA ), 15 U.S.C. Section 1639f. This dispute concerns mortgage loan account number XXXX, secured by the residential real property located at XXXX XXXX XXXX, XXXX, NY XXXX.…

I am filing this complaint against my mortgage servicer for a persistent, systematic failure to properly manage my escrow account, resulting in financial hardship and a blatant disregard for state tax law and documentation provided. As a 100 % permanently and totally XXXX XXXX residing in South Carolina, I am legally exempt from paying property taxes on my primary residence. My mortgage servicer has been notified of this status repeatedly, yet they continue to erroneously calculate my escrow payments based on a tax liability I do not owe, illegally driving up my monthly mortgage payment. I am fully exempt from primary residence property taxes. The servicer has been provided with my official South Carolina XXXX XXXX XXXX tax exemption letter and my XXXX Benefit Summary/Disability Rating verification. I have submitted this documentation numerous times through official channels.…

I am a 100 % Total and Permanent ( XXXX & XXXX ) XXXX Veteran residing in Florida. Under Florida XXXX XXXX XXXX, I am granted a 100 % exemption from all ad valorem property taxes, making my tax liability {$0.00}. My mortgage servicer, [ Insert Mortgage Company Name ], is violating escrow servicing regulations by failing to update my account with my official tax exemption. I have sent multiple emails providing my XXXX exemption documentation, but the servicer has completely ignored my communications. Instead of adjusting my account to reflect a {$0.00} tax liability, they have performed an incorrect escrow analysis. They are illegally bundling a past escrow shortage together with a highly inflated, incorrect projection of future property taxes. This has resulted in a massive, unjustified projected mortgage payment increase of approximately {$1000.00} per month.…

CFPB Complaint. Issue : Incorrect fees / billing dispute / credit reporting issue Company Name : Newrez / Shellpoint Mortgage Complaint : I am filing this complaint regarding ongoing incorrect charges on my mortgage account. In XX/XX/year>, the company claimed that I missed payment and reported my account to collections. I disputed this with all three credit bureaus, and the matter was resolved in my favor. The collection entry was removed, confirming that I did not owe the alleged debt. Despite this resolution, the company continues to charge late fees on my account from XX/XX/year> to the present. These charges are based on an error that has already been corrected and should not exist. I hired a lawyer from XXXX XXXX ; we sent them all types of documents. On XX/XX/year>, I spoke to one of their representatives for more than one hour.…

Loan transferred XX/XX/XXXX. Complete package submitted XX/XX/XXXX. Received email receipt confirmation. Servicer failed to send 5-day acknowledgment letter and verbally threatened active foreclosure, violating RESPA dual-tracking laws. Email stated I have a SPOC, but there was no name or phone number listed. It has been 12 days and I haven't received any information. When I logged in to my account today, previous forms that were emailed are gone. I am not allowed to make payments if I don't pay the entire defaulted amount, my previous mortgage company has held payments and did not apply them.

Hello, Shellpoint Mortgage Servicing company continues to misapply mortgage payments or apply late deliberately. On the back of the payment coupon it notes an " unpaid balance for the current month and the previous month, which is extremely misleading. Quite naturally the current month would not be paid as it is the current month and typically shows the prior month as unpaid. I have supplied the last six months payments and tracking and this has been an ongoing issue upon the change from XXXX to Shellpoint and heightened during the global coronavirus crisis. Additionally, for the last few years Shellpoint has reported misleading information to the credit bureau agencies about payments that were received and my credit score is directly impacted because of Shellpoint 's lack of timely processing.

My loan was transferred from XXXX XXXX to this new company " Newrez ''. On XX/XX/year> I called this new company to get information to send them aXX/XX/XXXX payment. I was told by the representative at Newrez to use... All capital letters : NEWREZMORTGAGE / Zip CXX/XX/XXXXe : XXXX After coming home on XX/XX/year> and checking my mailbox was a statement from Newrez. After opening, I was put into complete shock and my heart sank. Due to some hardships, my loan payment fell behind and according to Newrez statement my loan was presently XX/XX/XXXX days past due. My payments are XXXX per month. Well, the statement showed by XX/XX/year> I owe : {$11.00}, XXXX I left home and went to XXXX to do the XX/XX/XXXXpayment. Went in and the transaction was successful ( no problem getting the payment processed of {$950.00} ). Which means, after this payment, my loan would be approximately XX/XX/XXXX days past due. I was left to feel this pain all night and agony!!!…

My wife and I have been out of work since XXXX. COVID hurt our job seeking efforts. My wife has significant XXXX XXXX. We have lived on savings for years. The savings have run out. We have fallen behind on all our financial responsibilities. Including the mortgage. It is in the hardship letter I have attached a hardship letter for your review. I am a recently published author. Books sales are good. But not enough to pay for the back loan amount. Our XXXX was hijacked in XXXX. We have fought hard, much legal expense, and have just gotten it back. It will be in a position to begin generating some revenue in approx. 6 months. We need this window of opportunity to get back on our feet. I will be XXXX this year. My wife XXXX will be XXXX. There are not a lot of outside work options for us.

XXXX. Unsolicited Loan Modification During the XXXX Pandemic ( XX/XX/XXXX ) In or about XX/XX/XXXX, I was offered a loan modification by the mortgage servicer, NewRez/XXXX, despite the fact that I had not applied for or requested XXXX. This occurred during the earliest months of the XXXX pandemic. At that time, I was employed in New York XXXX, but my employer was completely shut down as a result of the pandemic. I was left without income and was denied unemployment benefits. Because of those circumstances, I was unable to take advantage of the offered loan modification. In addition, the servicer did not place the loan into any pandemic-related forbearance program. Instead, interest, late fees, and other charges continued to accrue. I only recently became aware that the loan balance may have been improperly inflated as a result.…

I was on a forbearance at the end of XXXX due to a health hardship. My payments should have resumed XX/XX/XXXX but my mortgage company ( Shellpoint ) attempted to take out {$2200.00} instead the authorized amount of {$1700.00}. The company denied this and also stated that since I missed the payment I needed a new modification agreement. But then they claimed that they couldnt offer a new agreement because the XXXX had a lien against my property. XXXX has denied from the start that this was not true. I requested on several occasions that Shellpoint provide documentation proving the lien exists and proof of what they attempted to charge my card in XXXX. Neither request was honored but magically the lien disappeared. I had to redo the whole modification process in XXXX resulting in an a higher payment that I will struggle with.…

I have applied for a succesir of interest. My home was bought during our marriage. I have tried numerous times for a payment plan and have been ignored. My husband doesnt want a payment plan and wants me out of the home. I have rights as a home owner to request forbearance.

Request for Investigation Mortgage Credit Reporting Following XXXX XXXX Disaster Forbearance I am requesting that your office investigate the post-forbearance credit reporting practices of Shellpoint Mortgage Servicing as they relate to homeowners affected by the XX/XX/XXXX XXXX XXXX disaster. My family entered into a mortgage forbearance agreement with Shellpoint in XX/XX/XXXX after our home sustained significant damage in the XXXX XXXX. We were displaced from our home while remediation and reconstruction activities were underway and incurred substantial additional living expenses, including rental housing and rebuilding costs not fully covered by insurance. By XX/XX/XXXX, we were prepared to resume making mortgage payments. On XX/XX/XXXX, I contacted Shellpoint and advised them that I was ready to begin repayment.…