Struggling to pay mortgage

Posted on Posted in Complaints, Mortgage

review

It seems that Shellpoint does n’t have all of their facts straight. ***** XX/XX/XXXX @ XXXX I faxed in 76 pages that were requested *Bank Statements * XX/XX/XXXX Taxes *Explanation Letter on any deposits over {$1000.00} ( I ‘m in the rental business! ) * XX/XX/XXXX Social Security Awards Letter *Leases XX/XX/XXXX Rep XXXX -stated my file was under review/sale date on hold XX/XX/XXXX Rep XXXX -stated it was in underwriting still, no sale date. Please check back in 30 days XX/XX/XXXX @ XXXX Rep XXXX -stated underwriting now had requests since they had waited so long to review : *Borrowers Assistant Form pages 1-4 sign/dated * XXXX and XXXX bank stmts *Mortgage stmts for XXXX XXXX and XXXX XXXX *Explanation letter Deposits over {$1000.00} ( given XX/XX/XXXX -they found it ) *Explanation Letter on an old business, signed dated Asked if there was a sale date, was told no. ***** XX/XX/XXXX @ XXXX faxed in ALL of the above docs requested XX/XX/XXXX @ XXXX Rep XXXX XXXX -stated more requests *Needed pers bank acct for XXXX *Letter of Explanation of any deposits over {$1000.00} ( sent XX/XX/XXXX -she found it ) *resend bank statements for XXXX only received 6 out of ten ( I have confirmation they were all received ) * XXXX , XXXX bank stmt for XXXX & XXXX ( sent XX/XX/XXXX ) *Letter of Explanation with a XXXX XXXX XXXX showing zero income and zero expenses for old business *Re-do XXXX XXXX XXXX to show dates to read as XX/XX/XXXX to XX/XX/XXXX instead of XX/XX/XXXX *Current mortgage statement for XXXX XXXX XXXX new monthly expense tracking sheet *No sale date ***** XX/XX/XXXX @ XXXX XXXX faxed in all the requested documents XX/XX/XXXX @ XXXX Rep XXXX XXXX -more requests * XXXX bank stmt for XXXX , ( sent XX/XX/XXXX and XX/XX/XXXX ) * Letter of Explanation about deposits over {$1000.00} ( Given XX/XX/XXXX , and again XX/XX/XXXX ) * XXXX XXXX XXXX to specify which company must say XX/XX/XXXX – XX/XX/XXXX now ( Sent in XX/XX/XXXX as requested-Company name listed at top of XXXX XXXX XXXX ) * Mortgage stmt for XXXX XXXX ( Given XX/XX/XXXX ) XX/XX/XXXX @ XXXX Emailed in all docs requested to XXXX since they were complaining they could n’t read some faxes very well, so scanned and emailed. XX/XX/XXXX @ XXXX Rep XXXX -called for an update, said I needed to speak with my single point of contact, she tried contacting her, not available. I was told from my file notes that the day after receiving all of my docs on XX/XX/XXXX ( see above ) which they claim take 4-5 days to upload, there were MORE requests : *Letter of Explanation on deposits over {$1000.00} with a date next to the signature ( date is at top of letter when first written but needed it next to signature? ) Sent XX/XX/XXXX XX/XX/XXXX , XX/XX/XXXX and XX/XX/XXXX -no mention of date needing to be by signature also ) *Bank stmts for XXXX / XXXX for XXXX and XXXX *mort stmt for XXXX XXXX for XXXX *RMA pg 4 with a new date * XXXX -T new date *Dodd Frank with a new date XXXX XXXX XXXX for XXXX / XXXX ***** XX/XX/XXXX -SAME DAY! @ XXXX I emailed all of the requested docs XX/XX/XXXX -Rep XXXX stated new requests : *Explanation Letter for deposits over {$1000.00} signed dated next to signature ( sent XX/XX/XXXX , XX/XX/XXXX , XX/XX/XXXX , XX/XX/XXXX ) * XXXX XXXX XXXX signed and dated at the bottom ( not initialed ) * XXXX -T add XX/XX/XXXX to the form -Sale Date of XX/XX/XXXX I asked to be removed since I was complying with all requests ***** XX/XX/XXXX SAME DAY-emailed all docs as requested XX/XX/XXXX @ XXXX Rep XXXX XXXX -more requests * XX/XX/XXXX and XX/XX/XXXX Taxes again *Leases again *2 months bank stmts again for XX/XX/XXXX need XXXX AGAIN -sent XX/XX/XXXX ) *Letter of Explanation of deposits over {$1000.00} AGAIN * XXXX -T re-write as the XX/XX/XXXX looks like XX/XX/XXXX ? It was the line between the XX/XX/XXXX ?! * XXXX XXXX XXXX again- ( sent XX/XX/XXXX and XX/XX/XXXX ) XX/XX/XXXX @ XXXX Rep XXXX XXXX -incomplete file , more docs needed! *pg 4 of the RMA ( received XX/XX/XXXX -okay found ) *Bank stmt for XXXX *Social Security Award Letter ( sent XX/XX/XXXX -okay found ) * XXXX XXXX XXXX statement needs to have Income subtracted from Expenses showing at bottom NET, signed and dated *Letter of Explanation that all properties do n’t have HOA fees ( already on RMA ) **** XX/XX/XXXX SAME DAY @ XXXX XXXX XXXX emailed in all requested docs XX/XX/XXXX @ XXXX Rep XXXX XXXX -I called to see if sale date was cancelled and any updates on received documents. Tried to get ahold of point of contact assigned to my file-not available. Since no cancellation, I asked for a supervisor. @ XXXX spoke with supervisor XXXX XXXX XXXX . After going over all my docs I was asked to wait for a call from my point of contacts ( XXXX XXXX ) supervisor XXXX XXXX to call me to go over my file with me since they were all there. My file was still requesting docs already given : * XXXX XXXX XXXX for XXXX XXXX XXXX -already in file *Leases-already in file *2 month bank stmts for XXXX already in file, many times * XX/XX/XXXX Taxes-already in file *RMA sent XX/XX/XXXX Both XXXX and Supervisor could see that all requests were already in my file so asked XXXX XXXX to review and push to underwriting which then the sale date could be cancelled. XX/XX/XXXX @ XXXX Supervisor XXXX XXXX called me and went over all of my docs and stated that there was NO SALE DATE of XX/XX/XXXX anymore, she had reviewed my file and sent it to underwriting now. At this point I was to check in to see if any other docs might be needed from underwriting and if I qualified. But then she said if I did n’t qualify they would go through with the XX/XX/XXXX sale date! So it was n’t cancelled-dual tracking! XXXX XXXX gave me her direct numbe XXXX XXXX to call her for updates. ***At this point I reported these actions to the CFPB and also into attorneys for Arbrittration to litigate/dispute my case. -I was told to call back on Wednesday if I did n’t ; t hear back from XXXX XXXX . XX/XX/XXXX WEDNESDAY left message for XXXX XXXX then called back and spoke with rep XXXX who said the sale date was placed on hold and it would take 3 days to approve as it was in underwriting. NEW UNDERWRITING REQUESTS : *Mortgage stmts again for XXXX , XXXX and XXXX – ( needed a better copy even though they have been with them since the beginning and nothing said ) *Leases for XXXX , XXXX XXXX as they were n’t clear enough *Explanation Letter on deposits over {$1000.00}! ( sent so many times stated earlier ) * XX/XX/XXXX Social Security Award Letter ( given from XX/XX/XXXX on … ) * Hardship Letter again signed/dated *Explanation Letter that subject property was used as a duplex but City shut it down due to lack of proper permits for a duplex from prior owners-in a legal battle that we are paying for therefore, only one unit rented for years. XX/XX/XXXX Arbitration file opened with attorneys XX/XX/XXXX emailed all docs again to Shellpoint even though we went over them all and in file from XXXX -current XX/XX/XXXX XXXX Rep XXXX XXXX said that she could n’t get ahold of my point of contact, XXXX XXXX and that this was the new requests from underwriting : *Mortgage stmts for XXXX XXXX XXXX XXXX ( given to them XX/XX/XXXX ) *Leases ( given again XX/XX/XXXX ) Hardship Letter ( given XX/XX/XXXX ) Agreed that all docs are in file … ***On XX/XX/XXXX I went over every one of these docs with Supervisor XXXX XXXX and she reviewed them in order to pass on to underwriting yet here we were again asking for the same docs again! XXXX XXXX stated she would have my file escalated as everything was there and it was a matter of rather I qualified or not. XX/XX/XXXX Rep XXXX XXXX @ XXXX stated my file was CLOSED XX/XX/XXXX by underwriting because they never received any documents from me! XX/XX/XXXX @ XXXX left message for Supervisor XXXX XX/XX/XXXX @ XXXX XXXX XXXX went over docs with me but said I needed to speak with Supervisor XXXX as XXXX XXXX was not available and would put a message in for her to call me. XX/XX/XXXX @ XXXX Supervisor XXXX XXXX called me and stated that she would re-open my file and cancel m XX/XX/XXXX sale date if I could ” MAIL ” her a copy of 3 mortgage statements they were having trouble reading ( XXXX XXXX XXXX XXXX XXXX ) plus a letter stating that the Shellpoint Mortgage statement for one of my properties, XXXX XXXX XXXX XXXX was incorrect on their statement and therefore did n’t match my leases and to please correct. XXXX XXXX stated I mail it to Shellpoint Mortgage, XXXX XXXX XXXX XXXX , SC XXXX XX/XX/XXXX Certified mailed these requests to the address given to me above ( Certified Mail # XXXX XXXX XXXX XXXX XXXX ) received by XXXX XXXX on XX/XX/XXXX at XXXX . XX/XX/XXXX XXXX Rep XXXX XXXX stated that she saw that the certified mail was in my file but not reviewed yet and would give notice to XXXX XXXX to cancel the sale date. She said to call back next day, Thursday. XX/XX/XXXX Thursday @ XXXX rep XXXX XXXX checked see if he could reach XXXX XXXX to settle this matter-not available but left her a message. XX/XX/XXXX @ XXXX Rep XXXX XXXX stated she had been assigned TODAY to my file and that I needed to start all over with documents in order to re-open my file! I went through the whole deal with dates, docs ect and my conversations with XXXX XXXX and she decided I needed to speak with XXXX XXXX also. This is when I wrote to CFPB as I was so very frustrated with the mishandling of my file! XX/XX/XXXX @ XXXX left message for XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX said that the certified mail WAS NOT in my file as stated on XX/XX/XXXX and had left a message for XXXX XXXX to call me. XX/XX/XXXX @ XXXX Rep XXXX after hearing my case tried to get a hold of XXXX XXXX but could not so gave me her EFAX XXXX for me to try to get them the certified mail copies I had send that they were now claiming they did n’t have. So I enlarged the mortgage stmts even more along with the letter about Shellpoints ” error ” on another bank stmt and enclosed it as well and faxed to both Shellpoint loss mitigation and also XXXX XXXX hoping that this would finally settle this. I have an investigation going on with the postal service as well to see if Shellpoint received my certified mail as per my green card returned to me signed by XXXX XXXX on XX/XX/XXXX at XXXX from Shellpoint, XXXX XXXX XXXX , XXXX , SC XXXX . This is the real ” DRAMA ” I have gone through with this company and as is plain to see, a complete unprofessionally run company, fraudulent with their dual tracking based on their incompetence while hanging a sale date over my head! This has caused me overwhelming XXXX , undue stress and it still is n’t over as I have a XX/XX/XXXX sale date still! This is why I am having attorneys overseeing this as we speak but felt CFPB should be investigating unlawful behavior such as this fiasco! They still have not answered my QWR proving they have legal standing to even be working with me at all. Stating something and providing legal documents are two different things, and they know better!

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