Shellpoint Partners, LLC Mortgage Complaint

Shellpoint Partners, LLC Mortgage department,

Conventional fixed mortgage Loan modification,collection,foreclosure Virginia

My mortgage was transferred from - - - to Shellpoint Mortgage in - -. Before it was transferred I was working with - on a loan modification. I had to reapply for a modification when it was transferred to Shellpoint. I submitted a complete application including my social security benefits I receive for my - children. They kept insisting that I have my - minor children sign a contribution letter saying they contribute the social security to the household income. Finally after months of battling with them they finally agreed that minor children can not sign a document like that and accepted my social security as income. In - -, I received a denial letter stating that I had been awarded a loan modification but it was cancelled for failure to make the first payment on time. I immediately called and explained to them that I never received any information regarding a loan modification. They told they had mailed out a package in - -. On - -, - I received a letter dated - -, - stating I had been approved for a modification, but the envelope was postmarked - -, -, so clearly they mailed it after the


decision 3 times with documentation from the Making Home Affordable Handbook supporting my appeal. They still denied me stating that my investor would not allow a HAMP Tier 2 or streamlined mortgage. I contacted them again asking for a repayment plan. I was told they were ordering foreclosure fees and costs and would email the repayment plan. Instead they mailed me a foreclosure notice with a foreclosure date. I contacted them regarding this and I was told that my appeal was denied for failure to submit documents and it had nothing to do with the investor. My loan is owned by - - and i asked if I was reviewed for a - - modification. They refused to answer the question but instead repeatedly told me I was denied for failure to submit documents. When i told them I had a letter from them stating I was denied due to investor restrictions they continued to tell me that was not true. They still will not tell me or provide me in writing the exact modifications I was ever reviewed for. At this time I currently have a foreclosure sale date and I have submitted yet another application for a loan modification. After each denial they have never offered a repayment plan or any other foreclosure alternatives even though I have requested them. At this time, I feel that they have not helped me in any way and in fact have led me to the point that I am at.