Mortgage -- Incorrect information on your report -- Complaint #5382962

Complaint Overview

Complaint ID: 5382962

Company: Shellpoint Partners, LLC

Product: Mortgage

Sub-Product: Conventional home mortgage

Issue: Incorrect information on your report

Sub-Issue: Account status incorrect

State: New York

ZIP Code: 10305

Date Received: 2022-03-29T12:00:00-05:00

Date Sent to Company: 2022-03-29T12:00:00-05:00

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

After a COVID Deferment, a loan modification was prepared in XX/XX/XXXX. FROM THE TIME THE MODIFICATION WAS PREPARED IN XX/XX/XXXX UNTIL IT WAS ACCEPTED AND PROCESSED BY SHELLPOINT ( IN XXXX XXXX ), THE ACCOUNT WAS LOCKED AND WE WERE FORBIDDEN FROM MAKING PAYMENTS. SHELLPOINT HAS ERRONEOUSLY REPORTED US DELINQUENT DURING THIS PERIOD AND REFUSES TO CORRECT THEIR ERROR. Once provided to us, I had the loan modification documents notarized locally ( at XXXX ) on XX/XX/XXXX, as suggested, because Shellpoint indicated that their mobile notary was backlogged at the time. We sent the signed and notarized documents to Shellpoint on the same day they were notarized. We were advised to check the Shellpoint website to see if the modification had been processed and to then make required payments. The representative said no payments could be made ( online or by phone ) until then because the account had be locked due to the pending modification. I checked the website almost daily in an effort to make payments. We were never contacted and the account remained locked. Accordingly, I called Shellpoint and was to told that the notarization was somehow defective and would need to be signed and notarized again. Shellpoint indicated they would have their mobile notary contact us to schedule a signing date. The notary never contacted us. I called Shellpoint 's representative numerous times. Eventually, he gave me the phone number of the mobile notary and I was forced to personally scheduled the signing. The modification was then signed, notarized, and sent to Shellpoint late in XX/XX/XXXX. I continued to check the website on an almost daily basis to make a payment, but the account remained locked until late XX/XX/XXXX, at which point almost {$20000.00} in required payments were made immediately. In short, due to the locking of the account BY SHELLPOINT from XX/XX/XXXX to XX/XX/XXXX, we were unable to make payments from XXXX to XX/XX/XXXX. Our credit report now indicates that we were delinquent on payments from XX/XX/XXXX to XX/XX/XXXX- exactly the time period during which the account was locked by Shellpoint. I would like the reports of " late '' payments removed from my credit reports with all three credit reporting agencies as soon as possible. This will be necessary for both borrowers- XXXX XXXX. XXXX and XXXX XXXX XXXX. Complaints were made to Shellpoint in XXXX XXXX and XX/XX/XXXX regarding these issues without relief. In addition, disputes were filed with the three credit reporting agencies in late XXXX and no changes to our credit repots are evident.

Frequently Asked Questions

Disclaimer

This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.

Related Pages

• Shellpoint Partners, LLC Company Profile
• Mortgage Complaints
• Incorrect information on your report Complaints
• New York Complaints
• Company Rankings
• Company Directory
• Search Complaints