I recently had an escrow analysis done by Shellpoint Mortgage servicing. The analysis came back as me owing {$440000.00} due to a shortage in my escrow account. I Knew my shortage was coming. I tried to contact Shellpoint multiple times to try to pay more in my escrow account to offset the eventual increase in my impounds account. Most of the additional money was applied to my principle of my loan, or the money was put in a side account, and nothing was done with it to reduce my shortfall in my impounds account. When I tried to notify Shellpoint about an impending increase in my impounds account, they told me to write a different check for the amount of my shortage for my impounds account, and write Escrow Only on the check a long with my account number. I did everything they ask, and my checks were still applied to my principle. I called them again to speak with someone in escrow regarding my impending increase in my escrow account. They stated all information must go through customer service, and I could not speak with their escrow department. They said I could fax a letter to them about my problem. I faxed a letter to them, and they still did nothing. Eventually Shellpoint refunded all of my excess funds sent to them for the shortage in my impounds account. When I received my analysis recently, I was told if I could n't pay the amount in full, my monthly payments on my mortgage would go up {$800.00} a month more. I would have to pay off the amount owed in my impound account, and play catch up with my shortfall in my impounds account. This is clear evidence of Shellpoint trying to generate debt. By doing so, they would get interest on my impounds shortage, mortgage interest, and of course the amount owed for the shortage. This is clearly an intentional act to get more money from the consumer. Their accounting practices are always behind in what is owed. They hit you with late fees if your are late even if it was their fault. It seems one hand does not know what the other is doing. 
Shellpoint is clearly trying to make customers default by their business practices. 
