I believe that Shellpoint Mortgage Company has violated a code of ethics. They have collected overpayment from my mortgage payments and can not provide a specific answer as to where the funds have gone and why my balance remained the same despite catching up my payments. Also, they charged a fee of {$350.00} for a loan modification application which was not even reviewed due to supposed missing pieces of information. At no point was I made aware that there was a fee for applying for a modification. If I need loan assistance it seems underhanded to charge an excessive fee on top of what is already owed. 
