1-31-18Revdex.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.
Corrective measures have been taken - however the last TransUnion report is still showing a reduction in my credit score. Still unacceptable.Please note, Shellpoint has not addressed the interest vs principal issue. I received a 1098 reflecting the same interest amount which appears on the website. Disgruntled,
[redacted]
RE: Complaint ID: [redacted] Reference Number: [redacted] Dear [redacted]: This letter is in response to the complaint submitted May 27, 2016, regarding the above referenced loan. Shellpoint Mortgage Servicing (“Shellpoint”) began servicing the loan on...
or about November 1, 2014. Per the complaint, Ms. [redacted] sent in funds via Certified Mail to Shellpoint to bring her loan current. The funds were delivered to the Shellpoint Post Office Box on May 23, 2016. Ms. [redacted] indicated that it has not been credited to the account as of the date of her complaint. Shellpoint received payment to bring Ms. [redacted]’s loan current on Monday, May 23, 2016. The money was applied to the loan on May 31, 2016, with an effective date of May 23, 2016, which was the actual date of receipt. Enclosed is a copy of the Loan History Summary. 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, [redacted] Shellpoint Mortgage Servicing [redacted].com Regulatory Fax: ([redacted]
RE: Complaint ID: [redacted], [redacted] Reference Number: [redacted]
Dear [redacted]: This letter is in response to the complaint submitted March 23, 2016, regarding the above referenced loan. Shellpoint Mortgage Servicing (“Shellpoint”) began servicing the loan on...
or about April 8, 2014. Upon review of the complaint, Shellpoint determined we had already received a similar complaint directly from Mr. [redacted] on March 22, 2016 by fax and on March 23, 2016 by email. We responded to the complaint on March 31, 2016. Enclosed is a copy of our response. 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, [redacted] Shellpoint Mortgage Servicing Enclosure
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]
This letter is in response to the complaint submitted September 14, 2015 regarding the servicing of the mortgage loan for the above referenced property. [redacted] Association, as Trustee for [redacted] Trust currently owns the above referenced loan. Shellpoint Mortgage...
Servicing (“Shellpoint”) began servicing the loan on or about March 1, 2014. Per the complaint, Mrs. [redacted] believes that Shellpoint is erroneously reporting the loan to the consumer reporting agencies. Mrs. [redacted] advises the loan was discharged through a bankruptcy while being serviced by the previous servicer. As such, Mrs. [redacted] requests Shellpoint cease reporting the loan to the consumer reporting agencies. In addition, Mrs. [redacted] requests Shellpoint cease contact, including relatives. Please be advised, Shellpoint’s records indicate the loan was discharged through a joint Chapter 7 Bankruptcy. Therefore, Shellpoint is not attempting to collect the debt from the [redacted]’s, as their 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 above referenced property. Since the servicing of the mortgage lien was transferred to Shellpoint, a tradeline has been established for the account with the consumer reporting agencies (“CRA’s). Shellpoint was reporting this loan accurately, as discharged through Chapter 7 bankruptcy. However, in March 2015, the owner of the loan requested that Shellpoint cease reporting the loan and delete the tradeline completely. Shellpoint submitted a delete request to the CRA’s at that time and has not submitted any further information regarding this loan to the CRA’s since then. Upon receipt of this complaint, Shellpoint inquired with the CRA’s and determined that TransUnion and Experian did not process our delete request. As of the date of this letter, [redacted] Shellpoint has submitted an “out-of-cycle” request to TransUnion and Experian to delete the Shellpoint tradeline. The request was submitted via an Automated Universal Dataform (“AUD”), control # [redacted]. Please allow 2-3 days for the CRA’s to process our request. Please know that Shellpoint takes its customer service obligations very seriously and the [redacted]’s concerns have been brought to the attention of the appropriate people within our organization. If you have any further questions, comments or concerns, please contact me at 1-[redacted]. Sincerely, [redacted] Shellpoint Mortgage Servicing
1-31-18Revdex.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.
Corrective measures have been taken - however the last TransUnion report is still showing a reduction in my credit score. Still unacceptable.Please note, Shellpoint has not addressed the interest vs principal issue. I received a 1098 reflecting the same interest amount which appears on the website. Disgruntled,
[redacted]
RE: Complaint ID: [redacted] Reference Number: [redacted] Dear [redacted]: This letter is in response to the complaint submitted May 27, 2016, regarding the above referenced loan. Shellpoint Mortgage Servicing (“Shellpoint”) began servicing the loan on...
or about November 1, 2014. Per the complaint, Ms. [redacted] sent in funds via Certified Mail to Shellpoint to bring her loan current. The funds were delivered to the Shellpoint Post Office Box on May 23, 2016. Ms. [redacted] indicated that it has not been credited to the account as of the date of her complaint. Shellpoint received payment to bring Ms. [redacted]’s loan current on Monday, May 23, 2016. The money was applied to the loan on May 31, 2016, with an effective date of May 23, 2016, which was the actual date of receipt. Enclosed is a copy of the Loan History Summary. 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, [redacted] Shellpoint Mortgage Servicing [redacted].com Regulatory Fax: ([redacted]
RE: Complaint ID: [redacted], [redacted] Reference Number: [redacted]
Dear [redacted]: This letter is in response to the complaint submitted March 23, 2016, regarding the above referenced loan. Shellpoint Mortgage Servicing (“Shellpoint”) began servicing the loan on...
or about April 8, 2014. Upon review of the complaint, Shellpoint determined we had already received a similar complaint directly from Mr. [redacted] on March 22, 2016 by fax and on March 23, 2016 by email. We responded to the complaint on March 31, 2016. Enclosed is a copy of our response. 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, [redacted] Shellpoint Mortgage Servicing Enclosure
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]
This letter is in response to the complaint submitted September 14, 2015 regarding the servicing of the mortgage loan for the above referenced property. [redacted] Association, as Trustee for [redacted] Trust currently owns the above referenced loan. Shellpoint Mortgage...
Servicing (“Shellpoint”) began servicing the loan on or about March 1, 2014. Per the complaint, Mrs. [redacted] believes that Shellpoint is erroneously reporting the loan to the consumer reporting agencies. Mrs. [redacted] advises the loan was discharged through a bankruptcy while being serviced by the previous servicer. As such, Mrs. [redacted] requests Shellpoint cease reporting the loan to the consumer reporting agencies. In addition, Mrs. [redacted] requests Shellpoint cease contact, including relatives. Please be advised, Shellpoint’s records indicate the loan was discharged through a joint Chapter 7 Bankruptcy. Therefore, Shellpoint is not attempting to collect the debt from the [redacted]’s, as their 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 above referenced property. Since the servicing of the mortgage lien was transferred to Shellpoint, a tradeline has been established for the account with the consumer reporting agencies (“CRA’s). Shellpoint was reporting this loan accurately, as discharged through Chapter 7 bankruptcy. However, in March 2015, the owner of the loan requested that Shellpoint cease reporting the loan and delete the tradeline completely. Shellpoint submitted a delete request to the CRA’s at that time and has not submitted any further information regarding this loan to the CRA’s since then. Upon receipt of this complaint, Shellpoint inquired with the CRA’s and determined that TransUnion and Experian did not process our delete request. As of the date of this letter, [redacted] Shellpoint has submitted an “out-of-cycle” request to TransUnion and Experian to delete the Shellpoint tradeline. The request was submitted via an Automated Universal Dataform (“AUD”), control # [redacted]. Please allow 2-3 days for the CRA’s to process our request. Please know that Shellpoint takes its customer service obligations very seriously and the [redacted]’s concerns have been brought to the attention of the appropriate people within our organization. If you have any further questions, comments or concerns, please contact me at 1-[redacted]. Sincerely, [redacted] Shellpoint Mortgage Servicing