Mortgage -- Struggling to pay mortgage -- Complaint #16513677
Complaint Overview
Complaint ID: 16513677
Company: Shellpoint Partners, LLC
Product: Mortgage
Sub-Product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-Issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
State: New York
ZIP Code: XXXXX
Date Received: 2025-10-10T12:00:00-05:00
Date Sent to Company: 2025-11-19T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Older American, Servicemember
Consumer Narrative
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/year> Re : Defense of the Foreclosure Abuse Prevention Act ( FAPA ) and Its Retroactive Application Dear CFPB, I am a New York homeowner who has been defending against foreclosure for many years. I write today to urge you to stand firmly in defense of the Foreclosure Abuse Prevention Act ( FAPA ) and, most importantly, its retroactive application. For too long, large financial institutions and their foreclosure law firms have abused homeowners through endless litigation gamesserial filings, voluntary discontinuances, and repeated acceleration and de-acceleration of the same loan. Families like mine have lived for more than a decade under the crushing weight of lawsuits that should have been barred years ago. Without retroactivity, the very abuses FAPA was designed to stop will continue to punish those of us who have already suffered most. In my own case, I have endured repeated filings by banks and servicers, nine separate settlement conferences, and years of uncertainty that robbed my children and me of peace of mind. I have faced intimidation, wrongful credit reporting, and contradictory claims about who even owns my loan. These are not technicalities. They are human costslost time with family, financial devastation, and the constant fear of losing ones home. Retroactive application of FAPA is essential because the misconduct happened in the past. To deny retroactivity would reward banks and servicers who already manipulated the system, while leaving families unprotected. That would turn justice on its head. Banks argue that retroactivity strips them of vested rights. But the real vested rights are those of New York families to live free of stale and abusive lawsuits. The Legislature passed FAPA precisely because of this abuse. If retroactivity is stripped away, the law becomes a hollow promise, fixing the future while abandoning the families whose suffering demanded reform in the first place. I respectfully ask you to continue to defend FAPA in the courts and in the public arena, and to make clear that its protections apply retroactively. Thousands of New York families are counting on this law to finally put an end to abusive foreclosure practices. Thank you for your commitment to fairness, justice, and the protection of New Yorkers. Sincerely, XXXX XXXX XXXX Homeowner & Mother of XXXX
Frequently Asked Questions
What is Complaint #16513677 about?
Complaint #16513677 was filed against Shellpoint Partners, LLC regarding Mortgage specifically about Struggling to pay mortgage. It was received by the CFPB on 2025-10-10T12:00:00-05:00.
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.