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Report: #1528781

Complaint Review: NewRez - Livonia Mi

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  • Reported By: Stephan — Green Lane United States
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  • NewRez Livonia, Mi United States

NewRez Shellpoint Dropped my credit score Livonia Mi

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On June 26th I made the initial call to NewRez to request a deferment on July's payment because of a big expense I incurred that month to fix the furnace. They said they could not defer the payment but we're willing to take the July's payment and break it into 3rds and add them to the next 3 payments which automatically be taken out of my account on July 3rd, August 3rd and September 3rd. I agreed as long as it did not affect my credit score. They assured me it would not. I specifically asked them at least 2 times if it would affect my credit and they assured me it would not. 

On July 24th, I received a tax bill which I thought would be paid by the mortgage company. I wasn't positive so I called them. While I was on the call, they automatically went over my payment history and said my July 1st payment wasn't received yet and was late. When an agent got on the phone, I asked again about my credit and why it said I was late. She assured me to not worry about the auto response and again assured me it would not affect my credit. 

On July 27th, I was checking Credit Karma and noticed my score dropped 51 points. NewRez said I was 30 days late on my payment. I called them and they told me making the payment arrangement that I did would affect my credit. I immediately disputed it and asked for a manager. I got on the phone with a team lead who put me on hold and listened to the past 2 phone calls and said they did tell me it would not affect my credit and would submit a complaint on my behalf and to call back in 7-10 days for a resolution. 

I called back on August 8th and again on August 10th and there was still no resolution. 

On August 29th, I received late charges for the now 2 months I was late for July 1st and August 1st. I called them again and they agreed to remove the late charges and said they told me the complaint was resolved and they would submit to the credit agencies to reverse the, now 90 days, late marks. 

It is now September 17th and there still has been no resolution and no reversal of the 90 days late marks on my credit. 

I did nothing wrong here. We agreed to setting up a payment plan which I agreed upon and paid exactly as instructed and now my credit has suffered. I tried to call several lawyers but no one will take the case. I am trying to buy a car but can't afford the higher payment. This company could care less about the little people and their needs. This will in no way affect them on way or another to reverse the late marks on my credit. They just don't care. Don't use this mortgage company. They won't care about you either 

 

This report was posted on Ripoff Report on 09/17/2023 08:12 AM and is a permanent record located here: https://www.ripoffreport.com/report/newrez/livonia-mi-shellpoint-dropped-1528781. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content

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