Mortgage -- Struggling to pay mortgage -- Complaint #17930707
Complaint Overview
Complaint ID: 17930707
Company: Shellpoint Partners, LLC
Product: Mortgage
Sub-Product: FHA mortgage
Issue: Struggling to pay mortgage
Sub-Issue: An existing modification, forbearance plan, short sale, or other loss mitigation relief
State: California
ZIP Code: 94591
Date Received: 2025-11-26T12:00:00-05:00
Date Sent to Company: 2025-11-26T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
CFPB Complaint Narrative This narrative is submitted concerning FHA loan ending XXXX. Shellpoint classified the loan delinquent while stating active forbearance which is dual tracking. Shellpoint issued month to month forbearance instead of required three month increments. Shellpoint communicated only by phone and refused written determinations. The XX/XX/year> statement lists 290 days delinquent and over XXXX due which is not permitted during forbearance. I request CFPB intervention and correction CFPB Addendum Phone Only Communication Tactics Shellpoint relied on phone only contact to avoid creating written servicing records. This resulted in undocumented forbearance changes and delinquency misclassification.
Frequently Asked Questions
What is Complaint #17930707 about?
Complaint #17930707 was filed against Shellpoint Partners, LLC regarding Mortgage specifically about Struggling to pay mortgage. It was received by the CFPB on 2025-11-26T12:00:00-05:00.
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.