Mortgage -- Struggling to pay mortgage -- Complaint #15365855
Complaint Overview
Complaint ID: 15365855
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: 2025-08-18T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
RE : URGENT COMPLAINT SHELLPOINT MORTGAGE SERVICING ( CFPB ID : XXXX ) DEMAND : REOPEN CASE, IMPOSE SANCTIONS & REFER FOR CRIMINAL INVESTIGATION Dear CFPB, I demand immediate intervention regarding Shellpoint Mortgage Servicings ( Shellpoint ) fraudulent response to my original complaint ( ID : XXXX ) and its collusion with Caliber Home Loans ( Caliber ). New evidence proves an enterprise-wide scheme to evade accountability. I. SHELLPOINTS NON-RESPONSE : REGULATORY VIOLATIONS Shellpoint submitted a boilerplate letter demanding " name change authorization '' while ignoring all substantive allegations : Accounting Fraud Misapplied payments causing false defaults. Violation : RESPA 2605 ( e ) ( 2 ) Illegal Dual-Tracking Advanced foreclosure while reviewing my loan modification. Violation : Regulation X 1024.41 ( g ) RESPA QWR Violations Failed to respond to Qualified Written Requests. Violation : 12 U.S.C. 2605 ( e ) Elder Financial Abuse Targeted unfair practices despite documented vulnerabilities. Violation : Elder Abuse Prevention Act Shellpoints response is legally invalid : RESPA 2605 ( e ) prohibits demanding authorizations before responding to QWRs. II. EVIDENCE OF COLLUSION WITH CALIBER The same fraudulent response was submitted by Caliber in a separate complaint ( ID : XXXX ), proving : Identical Template : Same wording, demands, and avoidance tactics. Shared Deceptive Practices : Both companies used the incorrect name " XXXX '' despite my corrections. Enterprise-Wide Fraud : Shellpoint and Caliber operate as a unified entity to : Confuse consumers ( RESPA 2605 ( k ) ), Evade regulatory scrutiny ( Dodd-Frank 1036 ( a ) ( 3 ) ). This is not incompetenceit is a criminal pattern. II. UNREBUTTED ALLEGATIONS = ADMISSIONS By refusing to address claims, Shellpoint admits : Payment records can not withstand audit ( proof of accounting fraud ), Dual-tracking occurred ( illegal foreclosure threat ), QWRs were ignored ( willful RESPA breach ). DEMANDS FOR ACTION REOPEN & ESCALATE Complaint ID XXXX and require Shellpoint to : Audit and correct payment history within 15 days, Halt foreclosure pending modification review, Respond fully to all QWRs without illegal " authorization '' demands. SANCTION SHELLPOINT for : RESPA 2605 ( k ) violations ( pattern of non-compliance ), Elder abuse ( enhanced penalties under 12 U.S.C. 5565 ( c ) ). REFER TO REGULATORS : OCC : Revoke Shellpoints license ( 12 CFR 34 ), FBI : Investigate fraud ( 18 U.S.C. 1341 ), State AG : Prosecute elder targeting. CONSOLIDATE INVESTIGATION : Subpoena internal communications between Shellpoint/Caliber regarding My loan, Appoint a third-party auditor to review both companies handling of my loan. ATTACHMENTS Exhibit A : Shellpoints non-responsive letter ( XX/XX/XXXX ) Exhibit B : Calibers identical response ( from Complaint ID XXXX ) Key Strategic Advantages The Identical Response Trap : " Shellpoint and Calibers use of the same fraudulent template proves coordinated deceptionnot error. '' Elder Abuse Leverage : " Targeting seniors triggers enhanced CFPB penalties and DOJ prosecution. '' Dual-Tracking = Automatic Violation : " Foreclosure during active mod review violates CFPB precedent ( In re : XXXX XXXX XXXX XXXX ). ''
Frequently Asked Questions
What is Complaint #15365855 about?
Complaint #15365855 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.