Shellpoint Partners, LLC Mortgage Complaint

Shellpoint Partners, LLC Mortgage department,

Conventional fixed mortgage Loan servicing, payments, escrow account Florida

This is a formal complaint against Shellpoint Mortgage Servicing and - for predatory lending practices and discrimination against me as an - and a female homeowner. I was told by Shellpoint that - holds the mortgage on my property. I was paying my $1600.00. mortgage as agreed when I experienced financial difficulties. The alternator in my car stopped. It was a very expensive replacement. A few weeks later I fell -. Because my insurance does not pay for - doctor 's visits, I pay out of pocket. I asked Shellpoint for assistance. When the alternator went out, one payment was put to the back of my loan. Weeks later, the shoulder injuries and mounting medical bills occurred. I asked for additional assistance. I continued to make mortgage payments to catch up. I was bringing my account current. On - -, -, I paid $620.00 through my bank. On - -, - I paid $1000.00 to make a payment of $1600.00. I 'd previously paid incrementally and - always accepted the payment. On - -, -, a Shellpoint representative discussed with me a repayment plan of $2500.00 a month starting in - through -. In - -, I 'd resume regular


-, - that my payment of $1000.00 had been returned. Shellpoint informed me that I 'm on a payment plan. I 'd discussed a plan with Shellpoint on - -, -, but the terms had not been finalized. On - -, -, a Shellpoint rep said I 'd pay $2500.00 a month through - -, and would have until the - each month to pay. I said fine and asked to include the $620.00 I paid on - -, -. The $620.00 would assist me with paying $2500.00 on - -, -. The rep told me the $620.00 would sit in unapplied funds. But, he 'd ask - - - if the $620.00 could be applied to the $2500.00. I spoke with - - on - -, -. She said I 'd have to pay $2500.00 by - -, - to show one lump sum payment. I explained that I had $2000.00 and needed the $620.00. - - said I could not include the $620.00 and referred my request to - - -, who called me the evening of - -, -. She also said I could n't use the $620.00, saying the $620.00 reduced the repayment amount to $2500.00. That is not true as the rep on - -, - stated the repayment plan would be $2500.00 a month before I paid $620.00. Despite this claim, I said I would agree to somehow have the $2500.00 by - -, -. Then - - changed the agreement, became angry and yelling at me by stating that I can pay $2500.00 by - -, -. However, I 'd have to pay another $2500.00 on - -, -. I explained - - and other representatives informed me that I could make a $2500.00 payment by the - of each month. - - said, " No, '' saying I now need a more than $3000.00 down payment to move forward with $2500.00 a month. - - taunted me and continued to change the figures while we talked. Shellpoint, nor - was willing to help me bring my account current. Shellpoint took my $620.00, did not apply it to my account, returned a $1000.00 payment and purposefully forced me into three to four missed payments. These are predatory lending practices against me as an - and a female is an attempt to force me into foreclosure and lose my home. On - -, -, I again attempted to make a full payment of $1600.00. Shellpoint Mortgage Servicing returned that payment to my bank 10 days later.