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Coastal Realty and Marketing Reviews (170)

June 1, 2018 [redacted] Avenue [redacted], CO 80203 [redacted].com RE: Homeowners/Clients: [redacted] Subject Property: [redacted], CO 81504 Reference Number: [redacted] Dear Mr....

[redacted]: This letter is in response to your recent inquiry received from the above-referenced homeowners/clients regarding the above referenced loan. Shellpoint Mortgage Servicing (“Shellpoint”) began servicing the loan on or about June 16, 2017. Shellpoint is aware this loan is included in an active Chapter 13 Bankruptcy and is servicing the loan accordingly. This communication is not an attempt to collect the debt, but is simply for the purpose of responding to the complaint. Per the correspondence, Mrs. [redacted] stated she was told by the Shellpoint Bankruptcy Department on Monday, May 14, 2018 that she could make her default payment on Friday, May 18, 2018 and it would not affect her bankruptcy agreement. She stated the account was noted as such by the agent she spoke with, but when she called back to make the payment on May 18, 2018 as promised, there was no one there to take the call. When Mrs. [redacted] called back on May 21, 2018 she was told she were released from the bankruptcy agreement and the property was in foreclosure. She has not been able to reach anyone in the Bankruptcy Department to discuss this matter with. Upon receipt of the complaint, it was discovered that the Motion for Relief, which was filed on May 17, 2018 was filed in error. We are currently working to reinstate the Chapter 13 Bankruptcy, and the loan has been updated to reflect an active bankruptcy status. According to our records, Mrs. [redacted] spoke with a member of the Bankruptcy Department on June 1, 2018 and was provided this information. Additionally, she agreed to submit the default payment on Friday, June 8, 2018. Please accept our sincere apologies for any inconvenience regarding this matter. Please know that Shellpoint takes its customer service obligations very seriously and your concerns have been brought to the attention of the appropriate people within our organization. If you have any additional questions or concerns, please contact our Customer Service department at 800-[redacted]. Sincerely, Compliance Department Shellpoint Mortgage Servicing This communication is sent to you by Shellpoint Mortgage Servicing, a professional debt collector. Please read the following important notices as they may affect your rights. This is an attempt to collect a debt and any information obtained will be used for that purpose. This communication is from a debt collector. If you are a customer in bankruptcy or a customer who has received a bankruptcy discharge of this debt: please be advised that this notice is to advise you of the status of your mortgage loan. This notice constitutes neither a demand for payment nor a notice of personal liability to any recipient hereof, who might have received a discharge of such debt in accordance with applicable bankruptcy laws or who might be subject to the automatic stay of Section 362 of the United States Bankruptcy Code. However, it may be a notice of possible enforcement of the lien against the collateral property, which has not been discharged in your bankruptcy. Attention Servicemembers and Dependents: The federal Servicemembers Civil Relief Act and certain state laws provide important protections for you, including interest rate protections and prohibiting foreclosure under most circumstances during and twelve months after the servicemember’s military or other service. Counseling for covered servicemembers is available from Military OneSource and the United States Armed Forces Legal Assistance or other similar agencies. FOR INFORMATION ABOUT THE COLORADO FAIR DEBT COLLECTION PRACTICES ACT, SEE WWW.COLORADOATTORNEYGENERAL.GOV/CA. A consumer has the right to request in writing that a debt collector or collection agency cease further communication with the consumer. A written request to cease communication will not prohibit the debt collector or collection agency from taking any other action authorized by law to collect the debt. Colorado office: [redacted] Street, Suite [redacted] CO 80210. Telephone (720) [redacted]
[redacted]

RE: Complaint ID: [redacted]. [redacted] Property Address: [redacted] Place, [redacted] OR [redacted] Reference Number: [redacted] Dear [redacted]: This letter is in response to the complaint submitted February 16, 2017, regarding the above referenced loan. Shellpoint Mortgage Servicing (“Shellpoint”) began servicing the loan on or about September 11, 2015. Please note, Shellpoint takes its customer service and consumer protection obligations very seriously and has significant staff dedicated to its compliance related functions in order to identify, resolve, and permanently correct operational deficiencies and improve upon customer concerns. Per the complaint, Mr. [redacted] states his escrow payment increased because we have his taxes calculated incorrectly. He further states he has tried to submit documentation from the tax office, but we refuse to accept it. According to Shellpoint records, Mr. [redacted] called our Customer Service Center on January 25, 2017 to discuss his escrow payment. At that time, the agent advised Mr. [redacted] that his escrow is negative, but since he stated his taxes were less, a request was made to have them researched and any revisions would be made if necessary. On January 26, 2017, the taxes were researched via the county website and found to be the same as what we already had on file. Mr. [redacted]’ spouse called our Customer Service Center on February 15, 2017 and was advised the monthly payment could not be decreased because the county has not released any new information regarding the tax amount; therefore, a new escrow analysis could not be performed. She was then advised to send in an estimated tax bill from the county so we can update our records. She was further advised she could have the county fax or email the estimated bill to us. She was upset because we would not take verbal information over the phone. We again advised we would need something in writing from the county tax office. She then stated that she was not going to pay the increased payment amount for the February 2017 payment, but was going to pay the previous (lower) payment amount. The agent then advised that if the full [redacted] payment amount was not submitted, the payment may not be posted to the account. At that time, Mr. [redacted]’ spouse disconnected the call. Please refer to the enclosed escrow analysis dated December 20, 2016. Page 1 shows what the anticipated tax payment was for November 2016 ($1,198.47) and what the actual tax payment for November 2016 was ($2,990.33). Because of this difference, this caused a shortage in Mr. [redacted]’ escrow account of $2,648.10. This information can be found on page 2. When Shellpoint received proof of insurance from Mr. [redacted], and removed the Lender-Placed Insurance (“LPI”) from the loan, another escrow analysis was performed on January 9, 2017 (enclosed). Because the LPI was removed, the shortage decreased to $2,379.25. The shortage has been spread out over twelve (12) months, which amounts to $198.27 a month. If Mr. [redacted] would like to pay the shortage in full, his new monthly payment would be $1,191.95. Please be advised, until we receive the requested documentation from the county tax office, we are unable to revise the tax amounts. Mr. [redacted] has the right to request documentation supporting our position that no error has occurred. In addition to the aforementioned Escrow Analyses, also enclosed is a copy of the Loan Transaction Summary for his records. We would like to apologize for any inconvenience regarding this issue. If you have any further questions, comments, or concerns, please contact me at [redacted]. Sincerely, L. F[redacted] Shellpoint Mortgage Servicing [email protected] Regulatory Fax: ([redacted] Enclosures

RE: Complaint ID: [redacted], [redacted] Borrower: [redacted] Property Address: [redacted] Avenue, [redacted], WI 53218 Reference Number: [redacted] 
Dear [redacted]: This letter is in response to the complaint submitted December 1, 2016, regarding the...

above referenced loan. Shellpoint Mortgage Servicing (“Shellpoint”) began servicing the loan on or about January 1, 2016. Please note, Shellpoint takes its customer service and consumer protection obligations very seriously and has significant staff dedicated to its compliance related functions in order to identify, resolve, and permanently correct operational deficiencies and improve upon customer concerns. Per the complaint, Ms. [redacted] states she signed a Cash for Keys agreement with Shellpoint and has yet to receive her check. The Shellpoint representative, Arthur M[redacted], told her she would be responsible for the removal of someone else’s property and would also be held accountable for any garbage or recycling left for normal pickup. When she called the attorney representing Shellpoint, she was informed Mr. M[redacted] should have given her the money when she turned over the keys. She further states the attorney has contacted Shellpoint twice with no response. According to Shellpoint records, when the Cash for Keys inspection was performed, there were still personal items remaining in the basement and on the exterior of the property; therefore, the check was not released to Ms. [redacted]. However, after reviewing the file and speaking with Ms. [redacted], it was determined the check would be released to her today. Mr. M[redacted] should be contacting Ms. [redacted] shortly if he has not already done so. Additionally, Shellpoint has not received any communication from the attorney as Ms. [redacted] has stated. We would like to apologize for any inconvenience regarding this issue. If you have any further questions, comments, or concerns, please contact me at [redacted]. [redacted] Sincerely, L. F[redacted] Shellpoint Mortgage Servicing [redacted].com Regulatory Fax: (866)[redacted]

February 22, 2018 Revdex.com of Upstate South Carolina Attn: Cindy R[redacted] 408 North Church Street, Suite C Greenville, SC 29601 RE: Complaint #: [redacted] Complainant: [redacted] Reference #: [redacted] Account #: xxxx[redacted] Mortgagor: [redacted] Property: [redacted] Court [redacted], VA 23320 Dear Ms. R[redacted] This letter is in response to the Revdex.com complaint received on January 29, 2018, regarding the subject property. New Penn Financial, LLC d/b/a Shellpoint Mortgage Servicing is currently the owner of the account number ending in [redacted]. Shellpoint Mortgage Servicing (“Shellpoint”) began servicing the loan on the behalf of the owner referenced above on or about September 16, 2017. Ms. [redacted] stated in the complaint, the loan transferred from [redacted] Mortgage to Shellpoint in 2017. Prior to this transfer [redacted] was in the process of modifying the loan in my name only per a Divorce Decree. I was told by Shellpoint it will honor the agreement and all paperwork was submitted. Shellpoint then informed me that I do not qualify for HAMP and that I must start a trial payment and then my name can be placed on the loan. I was waiting for the documents. With [redacted] the payment was $981.31 and was told to pay Shellpoint during the transition. Shellpoint has yet to abide by the agreement extended by [redacted] and Shellpoint has not been honest. Shellpoint has requested a new trial payment for a payment of $1,022.83. Nobody has returned my calls for clarity. I want Shellpoint to adhere to the [redacted] agreement and for the loan to be in my name only. Shellpoint apologizes for the delay in responding to the complaint, but know that we have taken this matter very seriously. Shellpoint recently responded to a similar complaint that was previously forwarded to our office via the Consumer Financial Protection Bureau. We have enclosed a copy of our response that complaint, as we believe it also addresses the concerns raised in the complaint received by your office. We trust this information is satisfactory to Ms. [redacted]. Should she have any questions regarding the matter, we respectfully request that she contacts the loan’s assigned loss mitigation specialist, Brenda V[redacted], via telephone at (866) [redacted], extension [redacted] for further assistance. She may also contact Shellpoint’s Loss Mitigation Department via telephone at (866) [redacted] for further assistance. Should you have further questions, you may contact Shellpoint’s Escalation Department at (888) [redacted] Monday through Friday between the hours of 8:00 a.m. to 5:00 p.m. (EST). You may also reach us via email at [redacted]@shellpointmtg.com. Sincerely, Wendell H[redacted], Jr. Compliance Department Enclosure: Letter Please read the following important notices as they may affect your rights. This is an attempt to collect a debt and any information obtained will be used for that purpose. This communication is from a debt collector. If you are a customer in bankruptcy or a customer who has received a bankruptcy discharge of this debt: please be advised that this notice is to advise you of the status of your mortgage loan. This notice constitutes neither a demand for payment nor a notice of personal liability to any recipient hereof, who might have received a discharge of such debt in accordance with applicable bankruptcy laws or who might be subject to the automatic stay of Section 362 of the United States Bankruptcy Code. However, it may be a notice of possible enforcement of the lien against the collateral property, which has not been discharged in your bankruptcy.

October 31, 2017[redacted]P. O. BOX [redacted] City, Taiwan [redacted]gmail.comRE: Complaint ID: [redacted]Reference #: [redacted] Homeowner: [redacted] Property: [redacted] Ave[redacted], CA 90813Dear Ms. R[redacted]:This letter is in response to the Revdex.com of the Upstate complaint received on October 24, 2017, regarding the subject property. [redacted] Life Insurance Company is currently the owner of the account number ending in [redacted]. Shellpoint Mortgage Servicing (Shellpoint) began servicing the loan on the behalf of the owner referenced above on or about November 11, 2016.Please know that Shellpoint takes its customer Service and consumer protection obligations Very Seriously and has significant Staff dedicated to its compliance related functions in order to identify, resolve, and permanently correct operational deficiencies and improve upon consumer concerns.Per the complaint, Mr. [redacted] advises he sent three letters prior to making his October mortgage payment and did not want Shellpoint to draft his September 1, 2017 payment through ACH. However, Shellpoint drafted a payment on October 15, 2017, which resulted in a $20.00 fee assessed by his bank for a rejected payment. Furthermore, Mr. [redacted] would like the name of the owner of the loan.An Automatic Payment Enrollment Form (ACH) request was signed and faxed to Shellpoint on January 24, 2017. The first draft date was requested for February 15, 2017 in the amount of $1,047.75. On February 15, 2017. Shellpoint drafted Mr. [redacted]'s payment of 1,047.75. On February 7, 2017. Shellpoint received a second request for ACH draft to begin January 10, 2017. Shellpoint had already set up the draft to start on February 15, 2017, and disregarded the ACH form.On July 10, 2017 per the request of Mr. [redacted] the ACH draft was cancelled because he would like to change the amount being drafted. Furthermore, on July 10, 2017 Mr. [redacted] scheduled the July 1, 2017 installment over the phone in the amount of $1.056.49. On July 11, 2017, a new ACH draft was mailed to Mr. [redacted].Shellpoint received no further phone calls or payments in July or August 2017. On August 17, 2017, a late fee of $38.28 was assessed to the loan appropriately.On September 1, 2017, a payment of $1,100.00 via check was received and posted to the account for the August 1, 2017. installment of $1,056.49 and $43.51 was applied to principal only. We believe this is the check payment you requested Shellpoint not process, as you placed a Stop payment on it and instead Sent a payment for two monthly installments which were received September 5, 2017. Please know, Shellpoints payment processing center processes thousands of check payments per day, by an automatic process. It is not possible to remove your check payment from that process. As Such, the check was posted to your loan, and was later returned on September 7, 2017, per your order to stop payment on it.On September 5, 2017. Shellpoint received two payments of $1,056.49 each which were posted to the October 1, 2017 installments. However, once the reversal of the September 1, 2017 payment occurred, these two payments were re-posted to the August 1, 2017 and September 1, 2017 installments. The loan was assessed a $25.00 fee when the September 1, 2017 payment was reversed, which Shellpoint waived as a courtesy on September 13, 2017. Since the NSF fee had already been paid, the payment was reversed and the $25.00 was posted on September 13, 2017, to principal.Shellpoint received the new ACH request and entered it on September 5, 2017 for the first draft to occur September 15, 2017 and every 15" of the month thereafter in the amount of $1,100.00. Shellpoint mailed you a confirmation letter of the ACH plan on September 6, 2017. Accordingly, on September 15, 2017 Shellpoint drafted an installment for $1,100.00, of which $1,056.49 was posted to the October 1, 2017, installment and $43.51 was applied to principal only.Mr. [redacted] did request the new ACH recurring draft program be delayed to October 15, 2017, in an online email dated August 31, 2017. However, due to an inadvertent error, that portion of his request was overlooked.On September 14, 2017. Shellpoint responded to Mr. [redacted]s emails dated August 29, 2017, August 31, 2017 and September 13, 2017. Enclosed are copies of the original requests and responses provided by Shellpoint. The responses provided via email on September 14, 2017 and October 18, 2017, included the contact information and name of the owner of the loan. In addition, Shellpoint mailed seven acknowledgment letters after receipt of each of Mr. [redacted]s emails. Each acknowledgment contained the same loan owner information. We would like to advise Mr. [redacted] that although he is able to contact the owner of the loan to discuss the above transactions, they will direct him to contact Shellpoint with his concerns, as we are servicing the loan on their behalf.The second request to stop the September 15, 2017 draft was received September 19, 2017, after the ACH was drafted. On September 26, 2017. Shellpoint received the third letter requesting the September 15, 2017 draft be stopped. Mr. [redacted] also advised he was trying to call the compliance officer on September 15, 2017 and had not received an answer. We apologize to Mr. [redacted] since he was unable to reach someone. Included in all our correspondence we provide a customer Service number of 1-800-[redacted], we have no records of any issues preventing calls from coming in. However, if Mr. [redacted] can provide the dates and times of those calls, and from what number he was dialing. We can have our telecom team research the issues he has had in contacting Customer Service.On October 15, 2017. Shellpoint drafted $1,100.00, of which $1,056.49 was posted to the November 1, 2017, installment and $43.51 was applied to principal only.On October 18, 2017, the payment of $1,100.00 drafted on October 15, 2017, was rejected by Mr. [redacted]'s banking institution for non-sufficient funds (NSF) and a $25.00 NSF fee was assessed.As a courtesy, the NSF fee of $25.00 assessed October 18, 2017, will be waived. Shellpoint will also waive any bank fee arising from the automatic draft scheduled for October 15, 2017. Mr. [redacted] will need to provide a copy of the bank statement showing the fee was assessed to him by his bank, to the following address, along with a written explanation of his request:Shellpoint Mortgage Servicing Attin: Disputes P. O. BOX [redacted] Greenville, SC 29603 Email: [redacted].com Fax: 866-[redacted]As of the date of this correspondence, the loan is current with the next installment due November 1, 2017. Shellpoint is Scheduled to draft the November 1, 2017 installment by Mr. [redacted]'s recurring ACH draft plan, on November 15, 2017.You have the right to request documentation Supporting our determination that no error occurred. Enclosed for review is a copy of the payment history, and prior correspondence.Should you have further questions, you may contact me directly at 864-[redacted]. Sincerely,Tammie D[redacted] Compliance Departmentcc: Revdex.com of Upstate South CarolinaAttn: Cindy R[redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.  As much as Shellpoint believes I have brought no new arguments, I also believe they are continuing on their process of not taking any actions.  I know the legal steps that they need to take in California and also, until they refer the mortgage to the Foreclosure department, there will be no further action taken on the house.  I will not be satisfied until Shellpoint actually refers the house to the foreclosure department.  At that point, they can file an official notice of default, which has to be done at least 45 days before a foreclosure can be initialed in California.  If they would be willing to send you a record of our phone calls, I asked for one and was only  resent documents from them, it would show that they already indicated in my file that I was no longer protected under the SCRA and have had the ability to request the account to move to the foreclosure department.  I can also talk with my sister, she was the POC for the local law enforcement, and try and get a list of how many times we had to PD come out there for break ins.  Making me question how well the 3rd party company is actually securing the property.  I can continue, but feel that it is no point with this company.  If they had been willing to work with me at all, I would have not taken this route, but every time I have called them I am told they cannot do anything and that nothing is progressing and all I can do is wait.   
Regards,
Timothy Ebersole

RE: Complaint ID [redacted], [redacted] Subject Property: [redacted] Street Unit [redacted] MA 01830 Reference Number: [redacted] 
Dear Ms. [redacted]: This letter is in response to the complaint submitted November 16, 2016 to Shellpoint Mortgage Servicing (“Shellpoint”). Effective March 01, 2014, Shellpoint began servicing the loan on the behalf of [redacted] Loan Mortgage Corporation. [redacted] stated in the complaint, that after three years of going back and forth on a defaulted mortgage, I agreed to do a Deed-in-Lieu (“DIL”). I was told that the DIL was supposed to be completed by the middle of August of 2016; however, it has not been completed as of yet. Whenever I call Shellpoint, I am told that they are waiting to get the contract back from the attorney, and that the DIL should be completed soon. I was looking forward to getting the house out of my name by the end of the year, but it does not look like it is going to happen. I need this resolved. Shellpoint regrets to hear that your experience during the loss mitigation process has not been pleasant, and apologize for any lack of communication that you encountered. Shellpoint takes our customer service obligations very seriously and have significant staff dedicated to compliance related functions in order to identify, resolve, and permanently correct operational deficiencies and improve upon consumer concerns. As you know, Shellpoint began the evaluation your loan for a Deed-in-Lieu of foreclosure (“DIL”) earlier this year. According to our records, you have completed the DIL Agreement (“Agreement”), and it has been sent to the investor for recording. [redacted] As way of background, the DIL was approved in June of 2016; however, when Shellpoint attempted to inspect the property, it was informed that there were tenants occupying the property. As a result, the inspection was postponed until August of 2016 and the property was then secured. Later in September of 2016, Shellpoint received the results of a Title Report, which indicated that the title was clear and without liens. The Agreement was then requested; however, the inspection was not completed until November of 2016. We apologize for the delay in the processing of the inspection, and for any inconvenience that this matter may have caused. For further questions regarding the status of the DIL, we respectfully request you to call the designated Single Point of Contact, Tara M[redacted], at (866) [redacted], extension [redacted] for assistance. If you have any further questions, comments or concerns, please contact me at (888) [redacted]. Sincerely, Rylee W[redacted] Shellpoint Mortgage Servicing Please read the following important notices as they may affect your rights. This is an attempt to collect a debt and any information obtained will be used for that purpose. This communication is from a debt collector. If this debt has been discharged in a bankruptcy without a valid reaffirmation, please understand that Shellpoint is not attempting to collect the debt from you personally, but is rather seeking to protect the creditor’s rights in the associated collateral. Please disregard any contrary provisions contained in this letter and interpret this communication accordingly. Attention Servicemembers and Dependents: The federal Servicemembers Civil Relief Act and certain state laws provide important protections for you, including interest rate protections and prohibiting foreclosure under most circumstances during and nine months after the servicemember’s military or other service. Counseling for covered servicemembers is available from Military OneSource and the United States Armed Forces Legal Assistance or other similar agencies. Massachusetts You have the right to make a written or oral request that telephone calls regarding your debt not be made to you at your place of employment. Any such oral request will be valid for only ten (10) days unless you provide written confirmation of the request postmarked or delivered within seven (7) days of such request. You may terminate this request by writing to the collection agency. Local address is [redacted] Street, [redacted], Mass 02132 Office hours are Mon-Thurs 10 a.m. to 3 p.m.

October 06, 2017 [redacted] St SW [redacted], MN 55025 RE: Revdex.com Case #: [redacted] Reference #: [redacted] Account #: xxxx[redacted] Property: [redacted] 7Th St SW [redacted], MN 55025 Dear [redacted]: This letter is in response to the Revdex.com of Upstate South Carolina complaint received on September 29, 2017, regarding the subject property. [redacted] Trust National Association, as Trustee of [redacted] Mortgage Loan Trust II is currently the owner of the account number ending in [redacted]. Shellpoint Mortgage Servicing (“Shellpoint”) began servicing the loan on the behalf of the owner referenced above on or about May 01, 2017. Please note, Shellpoint’s records indicate the loan was discharged through a Chapter 7 Bankruptcy. Therefore, Shellpoint is not attempting to collect the debt, as your personal liability was discharged. However, the mortgage lien survived the discharge and Shellpoint will continue to service the loan according to the original agreement and protect the creditor’s rights in the property. Shellpoint takes its customer service and consumer protection obligations very seriously and has significant staff dedicated to its compliance related functions in order to identify, resolve, and permanently correct operational deficiencies and improve upon consumer concerns. Per the complaint, you list several issues you have experienced since Shellpoint took over the servicing of your loan, which include problems with your Automated Clearing House (“ACH”) paperwork, proof of insurance, interest rate adjustments, escrow amount changes, monthly statements, and monthly payment funds not being applied to your principal balance. Regarding your ACH paperwork, you were advised in our letter dated May 12, 2017, (enclosed) that we did not have an ACH form on file for your account. You were further advised if it was submitted prior to the loan boarding on May 1, 2017, there would not have been a loan number to attach it to and would have either been returned to you or shredded. At that time, we sent another set of ACH forms for you to fill out and return to us. Please be advised, due to privacy and confidentiality laws, it is not our practice to hold forms that are submitted prior the boarding of a loan, as we have no loan to attach it to. As stated above, your loan boarded with Shellpoint on May 1, 2017; it was not in our system prior to that date. At times, it can take several days for a loan to board with a new servicer; however, we try to streamline that process to ensure our homeowners are able to seamlessly transfer their financial institution information to us. You were notified in a letter dated June 8, 2017, that we were unable to process your ACH forms because the form was not legible, and that we had attempted to contact you several times by telephone to inform you of this issue, but we were unable to reach you. Additionally, you were advised of this on June 12, 2017, when you contacted our Customer Service Center. You stated you would make the June 2017 payment then by telephone and then set up recurring payments online to begin July 1, 2017. We regret any difficulty you experienced with setting up your ACH for making your monthly payments. Regarding the proof of hazard insurance, please be advised, the documents were not transferred to us from the previous servicer; therefore, we sent a letter to you on July 28, 2017, in accordance with the documents you signed at origination. When proof of insurance is not provided, it is our duty as the servicer of the loan to protect the lender’s rights and place insurance on the loan to ensure they are protected. On August 4, 2017, proof of hazard insurance was received from your agent, and the loan was updated. No lender-placed insurance was purchased as a result of this issue. You stated you received an escrow analysis advising you of your payment increase from $783.09 to $799.84, effective September 1, 2017 and no other documentation pertaining to a payment amount change. Please be advised, barring any unusual circumstances, escrow analyses are performed once a year, and this is the only communication you will receive regarding changes to the monthly payment amount. Regarding your request for monthly mortgage statements, Shellpoint sent you paperwork on both May 26, 2017, and July 29, 2017, for you to fill out and return to us. The paperwork states that because your loan was previously involved in a bankruptcy action, by sending billing statements, it could be construed as an attempt to collect a debt, as a violation of a bankruptcy discharge or a violation of the stay that may be in effect. You were further advised that any billing statements we send to you are by your request and for informational purposes only. The billing statements provided to you are not an attempt to collect a debt due to your bankruptcy. Enclosed are copies of the Mortgage Account Statements that were sent to you dated May 26, 2017; June 26, 2017; July 26, 2017; August 25, 2017; and September 25, 2017. Per Shellpoint’s record’s, you signed a variable interest rate Note and Security Agreement with [redacted] Bank on July 26, 2010. The terms of this Note state that interest rate varies daily; therefore, the payment amount varies daily, but the change is calculated monthly overall. Because of this, the day you make the loan payment will affect how much is applied to interest and how much is applied to principal. The enclosed Adjustable Rate Mortgage Disclosure states that, “because your interest rate can change monthly but your payment changes annually, it is possible that your regular payments will not pay all of the interest that is owed and accrued on your loan balance.” This is why there were no funds applied to the principal balance for the May 2017, August 2017 and September 2017 installments. Regarding the interest rate change and posting of funds to your loan, please be advised that, according to the terms of your Note and the Adjustable Rate Mortgage Disclosure, the U.S. Prime Rate changes each June. Therefore, your interest rate is now 4.59000%. You were advised of this change in your origination documents (enclosed) and by signing those documents, acknowledged that you knew the interest rate could change in June of each year. We regret any issues or misunderstandings you have encountered as a result of the loan transfer; however, we have determined there have been no errors in the servicing of the loan. You have the right to request documentation supporting this determination. In addition to the aforementioned documents, enclosed is a copy of the Loan History Summary for your records. Should you have further questions, you may contact me directly at 864-[redacted]. Sincerely, Lisa F[redacted] Compliance Department Enclosures Please read the following important notices as they may affect your rights. This is an attempt to collect a debt and any information obtained will be used for that purpose. This communication is from a debt collector. If you are a customer in bankruptcy or a customer who has received a bankruptcy discharge of this debt: please be advised that this notice is to advise you of the status of your mortgage loan. This notice constitutes neither a demand for payment nor a notice of personal liability to any recipient hereof, who might have received a discharge of such debt in accordance with applicable bankruptcy laws or who might be subject to the automatic stay of Section 362 of the United States Bankruptcy Code. However, it may be a notice of possible enforcement of the lien against the collateral property, which has not been discharged in your bankruptcy. This collection agency is licensed by the Minnesota Department of Commerce. Attention Servicemembers and Dependents: The federal Servicemembers Civil Relief Act and certain state laws provide important protections for you, including interest rate protections and prohibiting foreclosure under most circumstances during and twelve months after the servicemember’s military or other service. Counseling for covered servicemembers is available

RE: Revdex.com Case #: [redacted] Reference #: [redacted] Borrowers: [redacted] & [redacted] Property: [redacted] Dr [redacted], TX 75116 Dear Ms. [redacted]: This letter is in response to the Revdex.com of the Upstate complaint received on May 18, 2017,...

regarding the subject property. [redacted] Financial LLC d/b/a Shellpoint Mortgage Servicing is currently the owner of the account number referenced above. [redacted] Servicing (“[redacted]”) began servicing the loan on the behalf of the owner referenced above on or about December 20, 2016. Please know that [redacted] takes its customer service and consumer protection obligations very seriously and has significant staff dedicated to its compliance related functions in order to identify, resolve, and permanently correct operational deficiencies and improve upon consumer concerns. Per the complaint Mr. [redacted] states that while he was refinancing his loan, he was sent an escrow refund in January 2017, and erroneously sent another one in March 2017. He states he has tried to resolve the issue multiple times, and was told he no longer owed the amount of the refund. He then received a letter stating he would be sent to collections if it wasn’t paid. He further states he cannot get this issue resolved. Upon receipt of the complaint, [redacted]’s Compliance Department contacted Mr. [redacted] on May 18, 2017 to inform him the amount owed for the duplicate payment had been removed from his loan and he no longer owed it. He then advised that he had spoken with a Customer Service Manager earlier that day and was provided the same information. As Mr. [redacted] stated, he was sent an escrow refund in January 2017 in the amount of $111.86, and sent another one in March 2017 for the same amount. He cashed both checks. He states he tried to get the issue resolved, as he felt it was [redacted]’s error and not his. He also expressed that he didn’t feel he owed the money nor did he feel morally obligated to return it. On May 18, 2017, the Customer Service Manager reviewed the complaint and determined that we would remove the $111.86 charge from Mr. [redacted]’s loan and that he no longer owed it. Additionally, he was sent a letter dated May 22, 2017, for his records, which states he no longer owes the amount. Should you have further questions, you may contact [redacted]’s Customer Service Department at (800) [redacted] Monday through Friday between the hours of 8:00 a.m. to 5:00 p.m. (EST). Sincerely, Lisa F[redacted] Compliance Department

This was not about them servicing the loan it was about them saying they have never received paperwork for a modification that's been sent to them and it's been going on for about 3 months now.

February 07, 2018 [redacted]ce NE [redacted], DC 20019 RE: Revdex.com Case #: [redacted] Reference #: [redacted] Account #: xxxx[redacted] Property: [redacted] Street NE [redacted], DC 20019 Dear [redacted]: This letter is in response to the Revdex.com of the Upstate complaint received on February 5, 2018, regarding the subject property. The Bank of [redacted] The Bank of [redacted], As Trustee for the Certificateholders of [redacted], Inc., Alternative Loan Trust 2007-[redacted], [redacted], Series 2007-[redacted] is currently the owner of the account number ending in [redacted]. Shellpoint Mortgage Servicing (“Shellpoint”) began servicing the loan on the behalf of the owner referenced above on or about March 1, 2014. Please know that Shellpoint takes its customer service and consumer protection obligations very seriously and has significant staff dedicated to its compliance related functions in order to identify, resolve, and permanently correct operational deficiencies and improve upon consumer concerns. Per your rebuttal, you state you cannot have your taxes prepared with an incorrect IRS Form 1098 (“1098”) that was sent to you. You allege Shellpoint has not reported correct information to the Consumer Reporting Agencies (CRA’s). You state your foreclosure judgment was evacuated in May 2016 and you want us to correct any derogatory remarks made to the CRA’s since that date. Furthermore, you state Shellpoint has increased your mortgage balance reported to the CRA’s, and you want to know what the increase in fees and hidden costs are. As we advised you both verbally and in the enclosed previous response dated February 1, 2018, the corrected 1098 form was mailed this week. Attached is a copy for your records. Regarding your credit reporting, please be advised, your foreclosure judgment was evacuated in May 2016 and the foreclosure comment was removed from the credit report. However, the loan modification was not approved and offered until October 2016. The loan has been reported as current with the special comment “Loan Modified” since October 2016. Shellpoint verified this information and provided you the Account Data Views in our previous response. Additionally, the current balance on the loan reflects more than just the principal balance. As required by the CRA’s, the current balance contains the principal balance, as well as interest, insurance payments and escrow that are due during the reporting period. This balance may exceed the highest credit, original loan amount or credit limit, and may increase or decline from month to month. There are no fees or hidden costs assessed to the loan. If you feel there is an error in your credit reporting, please provide specific details and supporting documentation (credit report) from the CRA that is reflecting inaccurate information. Upon receipt, Shellpoint will gladly investigate further. As stated above, the corrected copy of the 1098 is enclosed. We would like to apologize for any inconvenience caused by that issue. Should you have further questions, you may me directly at 864[redacted]. 
[redacted] Sincerely, Lisa F[redacted] Compliance Department Enclosures cc: Revdex.com of the Upstate 401 North Church Street Greenville, SC 29601

March 19, 2018 [redacted] Bend [redacted], TX 78260 RE: Revdex.com Case #: [redacted] Reference #: [redacted] Account #: xxxx[redacted] Property: [redacted] Bend [redacted], TX 78260 Dear [redacted]: This letter is in response to the Revdex.com response rebuttal on March 12, 2018, regarding the subject property. New Penn Financial LLC d/b/a Shellpoint Mortgage Servicing is currently the owner of the account number ending in [redacted]. Shellpoint Mortgage Servicing (“Shellpoint”) began servicing the loan on the behalf of the owner referenced above on or about September 30, 2016. Please know that Shellpoint takes its customer service and consumer protection obligations very seriously and has significant staff dedicated to its compliance related functions in order to identify, resolve, and permanently correct operational deficiencies and improve upon consumer concerns. Per the rebuttal, you stated you could not discuss the documents we provided in our previous response because you are not a lawyer and you want us to listen to the customer service calls as to how the terms of the forbearance were explained to you. Upon review of the correspondence, Shellpoint’s Compliance Department attempted to contact you on March 19, 2018, to discuss the complaint and resolution; however, we were not able to reach you. We are here to take calls during the hours listed above. You may also request a specific date and time you would prefer we contact you. Based upon the rebuttal, we are unable to discern what outcome you would like to achieve by rebutting our previous response. We regret you feel the forbearance terms were not clearly explained to you; however, the response dated January 26, 2017 states “Once the forbearance period is completed, the loan will be due for all payments missed; in this case from December 2017 through March 2018. At the end of the forbearance period you will need to either reinstate the loan or contact Loss Mitigation to make additional arrangements.” According to our records, the loan was brought current on March 15, 2018. The next payment is due April 1, 2018. Upon investigation of your dispute, Shellpoint has been unable to determine an error occurred. You have the right to request documentation supporting our determination. Enclosed is a copy of the Loan History Summary for your records. Should you have further questions, you may contact me directly at 864-[redacted]. Sincerely, Lisa F[redacted] Compliance Department cc: Revdex.com of the Upstate 408 North Church Street [redacted] Greenville, SC 29601 Please read the following important notices as they may affect your rights. This is an attempt to collect a debt and any information obtained will be used for that purpose. This communication is from a debt collector. If you are a customer in bankruptcy or a customer who has received a bankruptcy discharge of this debt: please be advised that this notice is to advise you of the status of your mortgage loan. This notice constitutes neither a demand for payment nor a notice of personal liability to any recipient hereof, who might have received a discharge of such debt in accordance with applicable bankruptcy laws or who might be subject to the automatic stay of Section 362 of the United States Bankruptcy Code. However, it may be a notice of possible enforcement of the lien against the collateral property, which has not been discharged in your bankruptcy. Attention Texas Residents: PURSUANT TO THE REQUIREMENTS OF SECTION 157.007 OF THE TEXAS MORTGAGE BANKER ACT, CHAPTER 157, TEXAS FINANCE CODE, YOU ARE HEREBY NOTIFIED OF THE FOLLOWING: COMPLAINTS REGARDING A LICENSED RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD BE SENT TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550. THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEB SITE AT WWW.SML.TEXAS.GOV. Attention Servicemembers and Dependents: The federal Servicemembers Civil Relief Act and certain state laws provide important protections for you, including interest rate protections and prohibiting foreclosure under most circumstances during and twelve months after the servicemember’s military or other service. Counseling for covered servicemembers is available from Military OneSource and the United States Armed Forces Legal Assistance or other similar agencies.

October 26, 2017Revdex.com of Upstate South Carolina Attention: Cindy R[redacted] 408 North Church Street, Suite C Greenville, SC 29601RE: Complaint ID # [redacted]Reference #: [redacted]Account #: XXXX[redacted] Borrower: [redacted] Property: [redacted], 4A[redacted], NY 10462Dear Ms....

R[redacted]:This letter is in response to the Revdex.com complaint received on October 17, 2017, regarding the subject property. [redacted] Investors, L.P. is currently the owner of the account number ending in [redacted]. Shellpoint Mortgage Servicing (Shellpoint) began servicing the loan on the behalf of the owner referenced above on or about August 15, 2016.[redacted] stated in the complaint: My mortgage was sold to Shellpoint from [redacted], from [redacted]. I paid my mortgage every month on Schedule, however, my home was foreclosed and Sold. When I called Shellpoint, and told them that I have receipts to prove I have been paying my mortgage, I was told to prove that they deposited my money Orders. Mind you, I never received a money Order I sent back, so they received my money. They sold my home on the same day they sent me another envelope for a mortgage payment. Shellpoint are thieves and will Steal your home.Please know that Shellpoint takes its customer service and consumer protection obligations very seriously and has significant Staff dedicated to its compliance related functions in order to identify, resolve, and permanently correct operational deficiencies and improve upon consumer concerns.Although we understand that the news of the foreclosure sale may be disappointing to [redacted]. [redacted]. Shellpoint believes that it made reasonable efforts to assist Mr. [redacted] with the loans delinquent balance; however, our efforts were not successful.While Shellpoint offers a variety of loss mitigation options to help mortgagors retain home ownership and avoid a foreclosure, approval is not guaranteed. The enclosed Solicitation letters were Sent in an effort to begin the loss mitigation process and assess Mr. [redacted]'s eligibility for loss mitigation options. In addition, several phone calls were also made to no avail.During a telephone conversation that occurred on September 21, 2016, between [redacted]. [redacted] and a representative from Shellpoint, Shellpoints representative inquired about Mr. [redacted]'s financial ability and intentions with the property; however, he refused to provide his financial information to the representative. Mr. [redacted] stated that he did not intend to sell the property as it was his primary residence, and that he would be paying the mortgage in full in October or November of 2016; however, the loans delinquent balance at that time was not paid during the Specified times nor was the loan paid off.Shellpoint continued efforts to reach Mr. [redacted] regarding the loans delinquent balance and sent the enclosed letters stating that several attempts were made to reach him by phone, and we requested him to verify his contact information but never received communication from Mr. [redacted].Note that the file was referred to an attorney in November of 2014, to commence foreclosure proceedings due to the loans delinquent balance. The enclosed letter, dated August 24, 2016, was sent which stated that the loan was in default and foreclosure proceedings have or may soon commence. Due to there not being any communication between Shellpoint and Mr. [redacted], and no active workout solutions in process, we proceeded with the foreclosure process. The property sold to a third party on September 18, 2017 via a foreclosure sale.With regard to the payments that Mr. [redacted] stated were made to Shellpoint, note that the Section #1 of the enclosed Mortgage States that the lender may return or accept any payment or partial payment if it is for an amount that is less than the amount that is then due. Furthermore, the lender is not obligated to apply such lesser payments when it accepts such payments. The lender may hold such unapplied funds until payments are made to bring the loan current.Please be advised that Shellpoint received funds from Mr. [redacted] after the completion of the foreclosure sale that occurred on September 18, 2017. As a result, Shellpoint returned money order #[redacted] for $500.00 on October 03, 2017, and check #[redacted] for $23,939.60 on October 16, 2017.Shellpoint maintains that it Serviced the loan according to the applicable State and federal law, including the processing of the foreclosure. We also maintain that no errors occurred while We Serviced the loan and the foreclosure Sale will remain.Should you have further questions, you may contact Shellpoints Escalation Department at (888) [redacted] Monday through Friday between the hours of 8:00 a.m. to 5:00 p.m. (EST). You may also reach us Via email at escalations('shellpointmtg.com.Sincerely,Escalation Department Shellpoint Mortgage ServicingEnclosures: Solicitation Letters, No-Contact Notices. Notice of Referral to Foreclosure, and Mortgage

Complaint was they drafted my account twice without my authorization for two times, first, refused to refund my money. Second, refused to let me speak to a Supervisor and one name Jorje came and said he was and was not. They had me to fax proof that our bank paid them and refused to reverse...

immediately. I needed my money. Caused other accounts to overdraft and fees. Cause five more additional items to be in overdraft status along with others I have coming in my account. They also told me if returned it would be 3 to 5 days and other accounts had to wait for their money. Not acceptable. Can not pay bills like this.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint. 
I am not satisfied with the response of Shellpoint. They told my wife several times that we could not email or fax...

anything, because if they would have accepted that we would have emailed the documents and gone from their. We were told they only look at the County website to gather tax information. Shellpoint said it will take 10 days to another review of the account. So I will forward the email we got from the county tax department that's shows the omitted tax amount, will Shellpoint then do the math and minus that omitted tax amount from the total? That's the issue here. The county website shows the $3000 because that's what was paid , but that total is not what 2017 total will be. Shellpoint has to understand that omitted property tax line that's shows $1300 was a one time payment because of taxes that were added on after the county did an assessment of the property and found extra square footage that was not on file. The county had not done an assessment in 13 years and previous owners had added on. Shellpoint did not understand this on the phone, but I will send the email. Who do I send it to so that it will get to the right person.
Regards,
Adam W[redacted]

March 16, 2018 [redacted] Ave [redacted], AZ 85053 RE: Revdex.com Case #: [redacted] Reference #: [redacted] Account #: xxxx[redacted] Property: [redacted] Ave [redacted], AZ 85053 Dear [redacted]: This letter is in response to the...

Revdex.com of the Upstate complaint received on March 8, 2018, regarding the subject property. [redacted] Mortgage, LLC is currently the owner of the account number ending in [redacted]. New Penn Servicing (“New Penn”) began servicing the loan on the behalf of the owner referenced above on or about December 26, 2014. Please know that New Penn takes its customer service and consumer protection obligations very seriously and has significant staff dedicated to its compliance related functions in order to identify, resolve, and permanently correct operational deficiencies and improve upon consumer concerns. Per the complaint, you state you tried for over a year to have the Private Mortgage Insurance (“PMI”) removed from your loan, and after the appraisal was received by New Penn, we did not process the removal in a timely manner, causing you to have to pay an additional month of premium. Additionally, you requested removal of the escrow account, which you believe should have been done automatically. The escrow removal was denied due to the loan to value (“LTV”) on the loan. Lastly, you state you obtained a new insurance policy with a reduced premium amount, but New Penn has not made the correction to your monthly payment. We apologize for any delay you encountered while trying to have the PMI removed from your loan. According to New Penn’s records, we received signed PMI removal documentation from you on January 9, 2018 and an appraisal was ordered the same day. The appraisal was received on January 18, 2018, and the PMI was cancelled effective January 17, 2018. You were sent a letter on January 23, 2018 advising you the PMI had been cancelled. You were not charged any PMI premiums after the month of January 2018, and no PMI premium is due to you. Additionally, a revised escrow analysis was performed on January 25, 2018 advising you effective March 1, 2018 the monthly payment amount would decrease from $1,250.27 to $1,134.64. A copy is enclosed for your records. As you were advised in the enclosed response dated March 7, 2018, due to investor requirements, New Penn is unable to remove the escrow account from the loan at this time. Please be advised, the investor requires an LTV ratio below 80% of the original appraised value in order to remove the escrow account, and the LTV is 88.95% at this time. On March 13, 2018, a revised escrow analysis was performed due to decrease in hazard insurance premium. The analysis decreases the monthly payment amount from $1,134.64 to $1,092.83. A copy is enclosed for your records. According to our records, there have been two payment decreases; one due to the PMI removal and the other due to a decrease in insurance premium. From February 1, 2018 to April 1, 2018, the total decrease amount to the monthly payment is $157.44. New Penn has determined there have been no errors in the servicing of the loan. You have the right to request documentation supporting this determination. In addition to the aforementioned documents, a copy of the Loan History Summary is enclosed [redacted] for your records. Should you have further questions, you may contact me directly at 864-[redacted]. Sincerely, Lisa F[redacted] Compliance Department Enclosures cc: Revdex.com of Upstate South Carolina 408 North Church Street, Suite C Greenville, SC 29601 Please read the following important notices as they may affect your rights. This is an attempt to collect a debt and any information obtained will be used for that purpose. This communication is from a debt collector. If you are a customer in bankruptcy or a customer who has received a bankruptcy discharge of this debt: please be advised that this notice is to advise you of the status of your mortgage loan. This notice constitutes neither a demand for payment nor a notice of personal liability to any recipient hereof, who might have received a discharge of such debt in accordance with applicable bankruptcy laws or who might be subject to the automatic stay of Section 362 of the United States Bankruptcy Code. However, it may be a notice of possible enforcement of the lien against the collateral property, which has not been discharged in your bankruptcy. Attention Servicemembers and Dependents: The federal Servicemembers Civil Relief Act and certain state laws provide important protections for you, including interest rate protections and prohibiting foreclosure under most circumstances during and twelve months after the servicemember’s military or other service. Counseling for covered servicemembers is available from Military OneSource and the United States Armed Forces Legal Assistance or other similar agencies.

April 12, 2018 [redacted] Ave Apt * [redacted], CA 94043 RE: Revdex.com Case #: [redacted] Reference #: [redacted] Account #: xxxx[redacted] Property: [redacted] Avenue [redacted], CA 94043 Dear [redacted]: This letter is in response to the Revdex.com rebuttal received on April 3, 2018, regarding the subject property. [redacted] Life Insurance Company is currently the owner of the account number ending in [redacted]. Shellpoint Mortgage Servicing (“Shellpoint”) began servicing the loan on the behalf of the owner referenced above on or about March 17, 2017. Please know that Shellpoint takes its customer service and consumer protection obligations very seriously and has significant staff dedicated to its compliance related functions in order to identify, resolve, and permanently correct operational deficiencies and improve upon consumer concerns. Per the rebuttal, you stated you received a letter from Shellpoint indicating the Association Master Policy does not comply; however, no specifics regarding non-compliance were provided. You state you continued to submit the same monthly payment amount as you did before the Lender-Placed Insurance (“LPI”) was added to the loan, and the payments were never late; therefore, you want the late fees waived. You stated when you called Shellpoint you were advised that the Insurance Department was in receipt of the Association Master Policy and were told the five (5) unaccounted days referenced in our previous response were now accounted for, so there should be no issue with the LPI. According to Shellpoint’s records, you called and spoke with a member of the Compliance Department on March 27, 2018 who advised you that there was still a lapse in coverage from July 1, 2017 – July 6, 2017. To date, no evidence of coverage has been provided for those dates. Additionally, you were advised to continue to make the full payment amount of $5,007.24 until you received the revised escrow analysis in order to keep the loan current. Lastly, when you requested a waiver of the late fee in the amount of $236.90, you were advised a request would be made with the supervisor. You were also advised the fee did not have to be paid in one (1) lump sum, and that it could be made in increments until fully paid. The letter you submitted with the rebuttal dated March 23, 2018, which advised you that we did not have evidence of HOA hazard insurance coverage was sent before coverage was received. As we advised in our previous response dated March 27, 2018 (enclosed), Shellpoint received proof of HOA hazard insurance on March 26, 2018. Therefore, please disregard the letter dated March 23, 2018, as evidence of coverage has been received. At the time we received evidence of HOA hazard insurance, funds in the amount of $783.33 were refunded to the escrow account, and a revised escrow analysis was requested. The enclosed analysis, which decreases your monthly payment from $5,007.24 to $4,793.25 effective May 1, 2018, was mailed to you on April 3, 2018. The escrow account has now been removed from the loan. As a result of this removal, an overage in the amount of $337.35 was disbursed to you via check #[redacted]. Enclosed is a copy of the Loan History Summary reflecting this transaction. As you have stated, you continued making monthly payments in the amount of $4,793.26 even after the payment amount had increased to $5,007.24. As a courtesy, and in an effort to keep your loan current, Shellpoint posted three (3) short payments to [redacted] the loan instead of posting them to the unapplied account until sufficient funds were received. Shellpoint will only accept short payments three (3) times. Since you continued to submit funds short of the amount due, when Shellpoint received funds in the amount of $4,800.00 on March 1, 2018, they were posted to the unapplied account until sufficient funds were received to post a full payment of $5,007.24. This information was provided to you in our previous response (enclosed). Shellpoint maintains that the LPI was purchased according to your mortgage contract and the payment increase that occurred as a result is valid. Since you did not make the required payments, Shellpoint is not obligated to waive the late charges. However, in effort to bring this case to an end, we have waived the unpaid late charge balance of $236.90. Shellpoint maintains there have been no errors in the servicing of the loan. To support this determination, enclosed is a copy of our previous response, the Loan History Summary and the escrow analysis dated April 3, 2018. Should you have further questions, you may contact me directly at 864-[redacted]. Sincerely, Lisa F[redacted] Compliance Department Enclosures

I accept this correction with reservations.  I will not pursue the interest adjustment I feel is due for the May and June payments.  Again, I performed according to the instructions sent to me by the previous lender and Shellpoint.  It was not my lack of compliance but their operation procedure.  The loan should have been set up before the first payment was due.  The documentation was received and destroyed by the company.I can only assume future adjustment will be correctly made and I will receive adequate notice prior to the change, in accordance with the note.
Regards,
[redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint. 
IF they transferred the funds properly, then that is good.  With that said, NO ONE tried to reach me.  So...

I reject their inaccurate version of what happened. I made over 8 phone calls and left message for a supervisor, as stated in my previous complaint.  I have NOT  ONE message from anyone trying to reach me in the last few weeks.  I will monitor my credit reports and my history with [redacted] and if there are any negative notes/actions that have been taken against me, since I was put into default on my loan and threatened with foreclosure, Shellpoint will be responsible.  I advised that this was an issue well before this happened and they had plenty of time to rectify it.  I want an apology letter from Shellpoint for their complete lack of follow up/follow through and the subsequent stress, anxiety and lack of sleep that I suffered worrying about my home, which I have ALWAYS paid for on time because of their error.  Their "restatement" of the facts in a manipulative and incorrect way is just another inappropriate and lousy way to treat their customer.  I am waiting for an apology letter and written promise to rectify ANYTHING that results from their error as I was promised on the phone from Twayneke, who I was told was a supervisor. She is the one I left so many messages for that NEVER returned my call.
Regards,
[redacted]

March 07, 2018 [redacted] Ave S [redacted], MN 55431 
[redacted] 12711495 Reference #s: [redacted] Account #: xxxx[redacted] Property: [redacted] Ave S [redacted], MN 55431 Dear [redacted]: This letter is in...

response to the Revdex.com complaint received on March 2, 2018, regarding the subject property. [redacted] Association, as Trustee of [redacted] Mortgage Loan Trust II is currently the owner of the account number ending in [redacted] Shellpoint Mortgage Servicing (“Shellpoint”) began servicing the loan on the behalf of the owner referenced above on or about May 01, 2017. Please know that Shellpoint takes its customer service and consumer protection obligations very seriously and has significant staff dedicated to its compliance related functions in order to identify, resolve, and permanently correct operational deficiencies and improve upon consumer concerns. Upon review of the complaint, Shellpoint determined we had already received a similar, if not the same, complaint directly from you, which we responded to today. We have enclosed a copy of our response, as we feel it addresses the same concerns expressed in the above-referenced case. Please be advised, upon approval from the investor of the escrow account removal, Shellpoint’s Compliance Department attempted to contact you to discuss the complaint and resolution; however, we were unable to reach you. We are here during the hours listed above. You may also request a specific date and time you would prefer we contact you. Should you have further questions, you may contact me directly at 864-[redacted]. Sincerely, Lisa F[redacted] Compliance Department Enclosure cc: Revdex.com of the Upstate 401 North Church Street Greenville, SC 29601 Please read the following important notices as they may affect your rights. This is an attempt to collect a debt and any information obtained will be used for that purpose. This communication is from a debt collector. [redacted] If you are a customer in bankruptcy or a customer who has received a bankruptcy discharge of this debt: please be advised that this notice is to advise you of the status of your mortgage loan. This notice constitutes neither a demand for payment nor a notice of personal liability to any recipient hereof, who might have received a discharge of such debt in accordance with applicable bankruptcy laws or who might be subject to the automatic stay of Section 362 of the United States Bankruptcy Code. However, it may be a notice of possible enforcement of the lien against the collateral property, which has not been discharged in your bankruptcy. This collection agency is licensed by the Minnesota Department of Commerce. Attention Servicemembers and Dependents: The federal Servicemembers Civil Relief Act and certain state laws provide important protections for you, including interest rate protections and prohibiting foreclosure under most circumstances during and twelve months after the servicemember’s military or other service. Counseling for covered servicemembers is available from Military OneSource and the United States Armed Forces Legal Assistance or other similar agencies.

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