Mortgage -- Incorrect information on your report -- Complaint #9355503
Complaint Overview
Complaint ID: 9355503
Company: Shellpoint Partners, LLC
Product: Mortgage
Sub-Product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-Issue: Account information incorrect
State: Texas
ZIP Code: 77095
Date Received: 2024-06-25T12:00:00-05:00
Date Sent to Company: 2024-06-25T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am writing to bring to your immediate attention the recurring issues I have experienced regarding the application of my mortgage payments and the subsequent reporting inaccuracies to the credit bureaus. These problems have resulted in incorrect late payment statuses being reported, which is adversely affecting my credit profile. To summarize the issues : Partial Payments : On several occasions, I made partial payments followed by subsequent payments to cover the full amount. However, your system holds partial payments in a small account until the full amount is received, then the payment is applied. This process has led to the application dates being recorded incorrectly and inconsistently. Misapplied Payments : There have been instances where payments have been misapplied, further complicating the accurate tracking of my payment history. Inconsistent Responses : I have reached out to your customer service representatives multiple times. Unfortunately, I have received different answers each time, and the representatives were often unable to provide a clear solution to the problem. Credit Bureau Reporting : I have also contacted all three major credit bureaus to correct these inaccuracies. However, the late payment statuses have been inconsistently updated, sometimes changing from XXXX to XXXX days late, from XXXX to XXXX days late, and even incorrectly marking on-time payments as XXXX days late. Based on 15USC 1666 A & B These entries should me marked as OK
Frequently Asked Questions
What is Complaint #9355503 about?
Complaint #9355503 was filed against Shellpoint Partners, LLC regarding Mortgage specifically about Incorrect information on your report. It was received by the CFPB on 2024-06-25T12:00:00-05:00.
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.