The loan dates back to May 2007, when Hendy and her now deceased other half originally took out a mortgage with Countrywide Home Loans. The loan eventually landed with NewRez as servicer. While the property owners were working through a loan modification, they generated an attorney to look into charges that had been tacked onto a reinstatement quote. Their counsel sent an official ask for details to Shellpoint on August 20, 2025.
What returned, the filing declares, was revealing. Shellpoint’s September 2025 response showed a string of residential or commercial property examination charges extending back to 2017, totaling roughly $490. Each entry carried an informing note: the inspector could not get past the gated community. In some cases, the inspector just photographed the guard gate and left. Yet the charges kept coming– every year, supplier after supplier.
The homeowners followed up with a formal notification of mistake on January 12, 2026, giving the servicer a possibility to fix the issue. Shellpoint responded the following month but, according to the filing, did not reverse or attend to the disputed charges. Under federal maintenance guidelines, charging a debtor for a service that was never ever meaningfully carried out– or that a servicer has no reasonable basis to charge– qualifies as a servicing error.
The homeowners are now looking for damages, correction of the supposed errors, and attorney’s charges under the Property Settlement Procedures Act. The case remains in its earliest phase, and no court has made any determination on the benefits.
The dollar quantity here is small, but the functional lesson is not. Home assessment programs at most servicing operations work on auto-pilots– orders head out, suppliers drive by, billings come in, and fees get published to debtor accounts. When that cycle runs without significant oversight, it can quietly develop regulatory exposure that sits undetected in a loan file for years, exactly the sort of liability that surface areas only when someone finally pulls the thread.