Hazel Joelee

I’m very disappointed with how Shellpoint handles payments and customer service. I sent a $2,584 refund check clearly marked “insurance refund,” but they applied it to my monthly mortgage payment instead of escrow. That mistake caused my escrow payment to go up for no reason. When I called to fix it, the representative confirmed that the transfer to escrow isn’t automatic—I had to request it manually over the phone. Even though I always pay on time, they still sent a “spill debt disclosure” notice, which felt unnecessary, unfair, and frustrating. The whole process wasted my time and showed tha