Mortgage -- Struggling to pay mortgage -- Complaint #15365597
Complaint Overview
Complaint ID: 15365597
Company: Shellpoint Partners, LLC
Product: Mortgage
Sub-Product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-Issue: Foreclosure
State: California
ZIP Code: 92882
Date Received: 2025-08-18T12:00:00-05:00
Date Sent to Company: 2025-08-19T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
RE : URGENT REQUEST TO REOPEN COMPLAINT & INVESTIGATE BAD FAITH RESPONSE CFPB Complaint ID : XXXX Against : Caliber Home Loans , Inc. / XXXX XXXX XXXX Dear CFPB , I am writing to formally challenge Caliber Home Loans ' non-compliant and deceptive response to my original complaint ( ID : XXXX ) and request immediate escalation. Calibers submission violates CFPB rules and confirms the systemic misconduct I alleged. I. INVALID RESPONSE : REGULATORY NON-COMPLIANCE Caliber failed to respond to its own complaint, instead submitting a letter from Shellpoint Mortgage Servicing ( dated XX/XX/XXXX ). This violates : CFPB Bulletin XXXX : " The servicer named in the complaint must respond directly... using its own business name. '' Procedural Rule 12 CFR 1024.35 ( b ) : Servicers must acknowledge/respond to notices of error in their capacity as servicer. Critical Proof : The Shellpoint response references CFPB correspondence from XX/XX/XXXX, XXXXbut my complaint against Caliber was filed on XX/XX/XXXX. This confirms : The response was pre-generated for a different complaint ( my Shellpoint case ), Caliber/Shellpoint treat complaints interchangeably, proving operational collusion. Demand : Declare this response non-compliant and require Caliber to answer in its own name within XXXX days. II. UNREBUTTED VIOLATIONS : ADMISSION BY SILENCE Calibers submission ignored every material allegation, constituting a de facto admission under CFPB guidance. Unaddressed violations include : A. Unauthorized Servicing & Standing Defects Caliber initiated foreclosure without proof of valid servicing transfer. Violation : RESPA 6 ( e ) Failure to provide transfer notice within XXXX days. Leverage : " Servicers must prove standing to enforce loan terms. '' ( CFPB v. Citibank, 2017 ). B. Fraudulent Foreclosure Documentation Caliber filed foreclosure documents using the incorrect legal name ( " XXXX '' vs. " XXXX '' ). Violation : FDCPA 807 ( 2 ) ( A ) False representation of legal status. Leverage : Invalidates foreclosure under state law ( e.g., XXXX Statute 702.10 ). C. Illegal Evasion of Accountability Shellpoints letter requested " name change documentation '' while ignoring standing defects. Violation : 15 U.S.C. 45 Unfair/deceptive practices. III. EVIDENCE OF ENTERPRISE-WIDE DECEPTION The submission of Shellpoints response for a Caliber complaint confirms : Shared operational control between entities, Intentional " shell game '' to confuse regulators/consumers, Pattern of evasion matching CFPB precedent ( CFPB v. XXXX, XXXX : $ 2B penalty for servicing transfers ). DEMANDS FOR ACTION REOPEN this complaint and compel Caliber to respond substantively within XXXX days addressing each violation above. INVESTIGATE the Caliber/Shellpoint relationship under Dodd-Frank 1024 : Subpoena internal communications regarding loan # XXXX, Audit servicing transfer history for my loan. REFER to the FBI Mortgage Fraud Unit : False foreclosure documents ( 18 U.S.C. 1014 ), Document falsification ( 18 U.S.C. 1028 ). IMPOSE CIVIL PENALTIES for deceptive practices under 12 U.S.C. 5565. This evidence proves systemic fraud. I demand intervention before illegal foreclosure proceeds. Sincerely, XXXX XXXX XXXX
Frequently Asked Questions
What is Complaint #15365597 about?
Complaint #15365597 was filed against Shellpoint Partners, LLC regarding Mortgage specifically about Struggling to pay mortgage. It was received by the CFPB on 2025-08-18T12:00:00-05:00.
How did Shellpoint Partners, LLC respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Mortgage) and describe your issue in detail.
Can I see other complaints against Shellpoint Partners, LLC?
Yes, visit the Shellpoint Partners, LLC company profile at readthecomplaint.com/company/shellpoint-partners-llc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.