I received a notice of XXXX XXXX XXXX dated XXXX/XXXX/16 from Shellpoint Mortgage Servicing. It is impossible for my policy to lapse because the my lender pays the insurance out of escrow and I never called to the cancel the insurance nor did I receive a notice of non-renewal from the insurance Company. On XXXX/XXXX/16 I called my Insurance agent to verify that our coverage had been maintained without gaps. My Insurance agent was not surprised that I was experiencing this sort of problem with Shellpoint, my agent has heard similar complaints from other customers about Shellpoint. I called Shellpoints insurance Department on XXXX/XXXX/16 and spoke to XXXX. XXXX looked at the information they had on file and could not find a lapse in coverage. She could not provide an explanation for why I ever received this letter. 
