Mortgage -- Struggling to pay mortgage -- Complaint #5005056
Complaint Overview
Complaint ID: 5005056
Company: Shellpoint Partners, LLC
Product: Mortgage
Sub-Product: Conventional home mortgage
Issue: Struggling to pay mortgage
State: Wyoming
ZIP Code: 829XX
Date Received: 2021-12-13T12:00:00-05:00
Date Sent to Company: 2021-12-13T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
My name is XXXX XXXX wife to my late husband XXXX XXXX. I am writing this letter in hopes to have the CFPB investigate Shellpoint and the negligence on my home loan. I have been trying to seek Loan Assumption/ Loan Modification with Shellpoint but they have not tried to help. Most recent on XX/XX/2021 I submitted to Shellpoint my late husbands death certificate, marriage certificate and Admin docs from the court appointing me tot he property. With only my husbands name on the loan I have request for a loan assumptions but as I mentioned above I submitted on Wednesday XX/XX/2021 and they declined me on Tuesday XX/XX/2021 of the following week. I don't feel Shellpoint properly reviewed my case, there letter stated not enough income but as you see in the attached forms I have plenty of income to support this loan. I am not requesting a lowered payment All I'm asking is for Shellpoint to place the past due to the end of the loan and allow me to place my name on the loan since my husband past away. With Shellpoints quick denial this tells me they never even considered or properly reviewed me. I asked them for a break down on their calculations but they refused. Please help me. With my husband XXXX XXXX passing away it became hard to maintain with the payments with no income. My income is now back on track and need help with a loan modification/ Loan Assumption. I need help to get the mortgage current so I can continue with the payments and hopefully refinance out of this loan once I become current.
Frequently Asked Questions
What is Complaint #5005056 about?
Complaint #5005056 was filed against Shellpoint Partners, LLC regarding Mortgage specifically about Struggling to pay mortgage. It was received by the CFPB on 2021-12-13T12:00:00-05:00.
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.