Mortgage -- Trouble during payment process -- Complaint #6441488

Complaint Overview

Complaint ID: 6441488

Company: Shellpoint Partners, LLC

Product: Mortgage

Sub-Product: Other type of mortgage

Issue: Trouble during payment process

State: Indiana

ZIP Code: 46530

Date Received: 2023-01-15T12:00:00-05:00

Date Sent to Company: 2023-01-15T12:00:00-05:00

Company Response: Closed with monetary relief

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Tags: Older American, Servicemember

Consumer Narrative

There have been numerous problems and questions I've tried to get answers to with a legal aid service locally. I've not been able to get answers and I'm now coming to you as my last resort. I went through a divorce from XXXX to XXXX. I was awarded the home in the decree. The mortgage at that time was with XXXX. The balance was less than {$30000.00}. When the load XXXX was done in XXXX, unbeknownst to me when agreeing to it, the balance ballooned to {$50000.00}. No explanation or detail was given to me at that time. Since that time the mortgage was sold to XXXX, then XXXX, then New Rez and currently with Shellpoint. I've questioned each time the balance was transferred, it didn't seem to coincide with what it should be. In XXXX, I finally got an assumption to remove my ex-husband from the mortgage and a new loan XXXX to remove him from the mortgage. I thought at least that part was behind me ( but not the balance issue ). When the mortgage was transferred in XX/XX/XXXX, I discovered that the XXXX was split between my ex and myself. My attorney at legal aid requested they send me a corrected XXXX which they never have. I did receive a letter from New Rez stating his name was taken off, but I'm not sure that is true. I also was told at XXXX time that he was still financially responsible even after I assumed the mortgage. I have my account set up online to make payments and to watch the account. Also when the account went to New Rez, they had documents online concerning the transfer. At that time, I found they mysteriously had fees listed which there should not have been any after the loan mod. No explanation has ever been given for those to myself or legal aid. This has kept me from making any additional payments to bring my balance down. The fees listed are much older and some prior to the divorce!!! In addition to that, I can not see the account activity at all, I try to add my phone number as a contact and after I submit it shows until I refresh the account and it's gone. Lastly, I've spoken to a representative within the last 2 months about these matters not available and she made a comment that my account is not fully set up!! This all leads me to believe that somehow my ex is still on the account which after the assumption he should not be. I feel I've been conned and cheated by these horrible companies. I've read all the reviews of each of them and they all make my skin crawl. I've tried the only legal route I can afford to no avail. My home is all I have and right now, that is even in question. I know this is a lot but I'm so frustrated and tired of dealing with deceptive practices. If needed, I have statements from XXXX that shows there were no fees at time of transfer to New Rez

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

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