Date Received: 2023-01-21
Issue: Trouble during payment process
Subissue:
Consumer Complaint: THIS IS A NOTICE OF DEFAULT AND OPPORTUNITY TO CURE DEFAULT NON-RESPONSE BY XXXX XXXX, XXXX XXXX and XXXX XXXX or board members. This notice is to inform the CFPB President and board members as public witnesses to the default and non-response to my Affidavit of Trust. The original Is signed and notarized and XXXX XXXX XXXX, Beneficiary has the Original. AFFIDAVIT OF XXXX XXXX XXXX XXXX OHIO XXXX NATIONSTAR MORTGAGE XXXX XXXX MR. COOPER XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX : XXXX, Beneficiary c/o XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX Near [ XXXX XXXX NOTICE TO PRINCPLE IS NOTICE TO AGENT AND NOTICE TO AGENT IS NOTICE TO PRINCPLE To : XXXX XXXX, XXXX XXXX and XXXX XXXX, in their Private XXXX XXXX : XX/XX/2022 The undersigned XXXX XXXX : XXXX, hereinafter Affiant, does hereby certify and declare that Affiant is competent to testify and state the matters set forth herein and is willing to testify with first-hand knowledge, all contents herein are true, correct, and complete in accordance with Affiants firsthand personal knowledge. Affiant is of sound mind, and over the age of twenty-one. Affiant reserves all rights. Affiant knowingly and willingly affirms : 1. Affiant is the person making this Affidavit. 2. NATIONSTAR MORTGAGE LLC D/B/A MR. COPOPER, hereinafter Lender, is engaged in the business of taking deposits making loans. 3. Affiant is the sole legal and absolute owner, maker, or issuer of the estate and any asset ( s ) or property ( ies ) regarding the estate and Affiant has never assigned, transferred, nominated any of Affiants right, title, or interest to any others. 4. Affiant has no knowledge of nor has Lender ever revealed or disclosed to Affiant any trust relationship or creation of any trust or any other ( s ) regarding alleged account # XXXX or the Mortgage/Deed of Trust. 5. Affiant never intended to agree to or consented to any trust relationship or creation of trust between Lender and Affiant. 6. Affiant never knew of nor agreed nor consented to Lender or any others granting authority and becoming a trustee, agent, or having agency over any of Affiants property. 7. Affiant understood Affiant was obtaining Lenders capital and not obtaining credit or a line of credit nor an open end nor closed end of any form of credit. 8. Lender advanced credit to Affiant thus inducing Affiant into believing said advancement was from Lenders funds. 9. Affiant was induced by Lender into believing Lenders capital was the only funding source of the alleged transaction. 10. Lender actions to date prevent full disclosure to Affiant denying Affiant an opportunity to make a fully informed decision with regard to this alleged transaction. 11. Lender never disclosed any documented fact that Lender purchased Affiants alleged obligation thereby allegedly obligating Affiant to Lender. 12. Lender never produced or offered for signature, a binding bill of sale for ownership of Affiants monetary interests. 13. Lender induced Affiant into believing Lenders capital was the sole source of funding regarding alleged account # XXXX. 14. Lender is knowingly and willfully engaging in the collection of an extension of credit while inducing Affiant into believing Affiant is repaying Lenders own capital. 15. Lender is using extortionate enforcement of payment without clear and full disclosure of foundation to Affiant. 16. Lender is intentionally concealing and withholding material facts regarding any trust or the creation of any trust in re alleged Mortgage/Deed of Trust connected to alleged account # XXXX. 17. Lender is intentionally concealing and withholding material facts regarding any trustee or beneficiary, designated, nominated, appointed, or assigned by Affiant. 18. Lender is willfully withholding or concealing full disclosure of all material facts to Affiant. 19. Lender is using undue influence upon Affiant to retain domination over the Affiants will to obtain the rights and property of Affiant without Affiants complete knowledge and intentional consent or agreement. 20. Lenders action ( s ) exceed persuasion under duress by restraining and injuring Affiants will, property, and rights without the consent, agreement and knowledge of Affiant. Any man or woman having first-hand knowledge of all the facts asserted herein having power and authority to rebut this affidavit must rebut each and every point separately with the rebutting partys own signature and endorsement notarized, under the penalty of perjury and willing to testify, and executed as true, correct, and complete with positive proof attached. Absent positive proof any rebuttal shall be deemed null and void having no force or effect, thereby waiving any of Lenders immunities or defenses. Any rebuttal shall be mailed to the undersigned and the Notary address within ten ( 10 ) calendar days of Lenders receipt of this affidavit. When a rebuttal is not received by both the Affiant and the Notary within 10 days this entire Affidavit and default provisions shall be deemed true and correct. Lender further agrees and consents to this administrative notice and default under this affidavit as clear and convincing evidence and proof of the facts asserted herein : 1. Lender agrees to a Deed of release or release of Mortgage. 2. Lender agrees to set aside any Mortgage/Deed of Trust. 3. Lender agrees that each point in this affidavit shall constitute a single claim against Lenders bond ( s ) for each point not specifically rebutted by Lender. 4. Lender agrees to release any information, rather private or otherwise, to Affiant about any of Lenders agents or representatives Employee Dishonesty Bond, Directors and Officers Policy Bond, or any other liability bond ( s ), including the insurance or bond company name, bond company information, bond enforcement information, or any other of Lenders bond information Affiant requests. 5. Lender hereby obligates and guarantees Lenders bond ( s ) to secure the performance of non-rebuttal of this affidavit to Affiant for any unfaithful performance of fiduciary duties, financial loss, or damages sustained by Affiant in connection to any breach of contract or this affidavit. Any amount is not limited by the value of any property or costs incurred by Affiant in seeking remedy for Lenders breach. 6. Lender shall further agree that once or if Lenders bond ( s ) expire, terminate or do not equal the total amount due Affiant, Lenders President, Directors, and any of Lenders agents and representatives shall become individually liable for any difference due Affiant. 7. Lender obligates and guarantees Lenders current or future bond ( s ) to discharge any allegations against Affiant. 8. Lender immediately grants to Affiant the unconditional right of rescission regarding alleged account # XXXX and any security interest attached thereto. 9. Lender agrees to the filing of a UCC-3 deleting the alleged mortgage/deed of trust in any public record. 10. Lender agrees to the filing of a UCC-5 Correction in any public registry to correct the inaccurate, unlawful or illegal mortgage/deed of trust in any public record. 11. Lender agrees this affidavit shall be used as first party evidence or positive proof in any remedy sought by Affiant. 12. Lender shall return any money or property of Affiant including but not limited to any original documentation, including but not limited by, any Notes, securities, assets, applications, transfers, blotters, book entries, assignments, and security interests to Affiants address stated herein. 13. Lender waives all rights to adjudicate the alleged agreement referenced herein. 14. Lenders president and any directors waive all immunities regarding any future actions sought by Affiant. 15. Lender shall immediately terminate any security interest and certify to Affiant the termination within 10 days. 16. Lender is barred from any alleged right, title, or interest in any alleged account, note, monetary instrument, asset, or Mortgage/Deed of Trust regarding Affiant. 17. Any alleged trustee or successor of Lender is hereinafter completely removed and disqualified as trustee, agent, or successor by Affiant. 18. Lender and any of Lenders assigns or nominees are estopped henceforth from any action against any of Affiants rights or property. 19. Lender abandons all right of entry, possession, judgment, assignment or notice regarding Affiant or Affiants property. 20. Lender abandons the right of any alleged waiver or estoppel. 21. Lender hereinafter discharges any alleged Mortgage/Deed of Trust or any alleged debt. 22. Lender agrees that Lender is in violation of the Statute of Frauds. 23. All relationships between Lender and Affiant are null and void. 24. Lender agrees that Lender has breached the oral trust relationship with Affiant. 25. Lender agrees that Lender has employed the extortionate extension of credit with regard to Affiant. 26. Lender agrees that Lender is hereby removed and disqualified as trustee ( s ) pursuant to : a. Conflict of interest b. Concealment c. Breach of fiduciary responsibility ( ies ). d. Fraud. _______________________ XXXX XXXX XXXX NOTARY/JURAT On this XXXX day of XXXX, XXXXXXXX XXXX XXXX XXXX came before me , the Notary herein and under oath, attested and affirmed the signature as true, complete, and correct on the foregoing affidavit. I, the Notary, personally witnessed the Affiant swore under oath or penalty of perjury that the contents of this Affidavit are true, accurate, and complete. The Affiant also acknowledged the signing thereof to be of his/her own voluntary act and deed. State of Ohio ) ) County of XXXX ) Signed this daXXXX ofXXXX XXXX at XXXX My commission expires on : XXXX XXXX seal : ___________________ PROOF OF SERVICE I, the undersigned do hereby certify that on this XXXX day of XXXX, XXXX, that I did serve upon the LENDER, a true and correct copy of the foregoing Affidavit to their address as stated below using United States Postal Service Certified mail numbered XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX and XXXX XXXX Attorney for Plaintiff President/Chief Financial Officer XXXX XXXX XXXX XXXX NATIONSTAR MORTGAGE XXXX XXXX XXXX XXXX XXXX XXXX XXXX dba MR. COOPERXXXX XXXX XXXX XXXX. XXXX, Ohio XXXX XXXX, TX XXXX ****Please fill out and complete IRS W-9 form and return to above Address. By : XXXX XXXX XXXX XXXX, XXXX
Company Response:
State: OH
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-21
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Attention To XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, XXXX This Notice of Default and Opportunity to cure. This Notice of non-Response to numerous Qualified Written Requests that have not been in accordance with the Truth in Lending and Uniform Commercial Codes. This is a " qualified written request '' under the Federal Servicer Act, which is a part of the Real Estate Settlement Procedures Act, 12 U.S.C. 2605 ( e ). This request is made by me, as the above-named borrower ( s ), based on a dispute that has arisen with regard to my loan account. I am writing to you to complain about the accounting and servicing of this mortgage and my need for understanding and clarification of various sale, transfer, funding source, legal and beneficial ownership, charges, credits, debits, transactions, reversals, actions, payments, analyses and records related to the servicing of this account from its origination to the present date. To date, the documents and information I have, from origination and those that you have sent me, and the conversations with your service representatives have been unproductive and have not answered my questions. Needless to say, I am very concerned. With all the news lately regarding the stories of predatory lending and servicing, you have left me feeling that there is something you are trying to hide. I worry that potential fraudulent and deceptive practices by unscrupulous mortgage brokers ; sales and transfers of mortgage servicing rights ; deceptive and fraudulent servicing practices to enhance balance sheets ; deceptive, abusive and fraudulent accounting tricks and practices may have also negatively affected any credit rating, mortgage account and/or the debt or payments that I am currently, or may be legally obligated to. In order to ensure that I am not a victim of such predatory practices I need to conduct an examination and audit of this loan. I need to have full and immediate disclosure including copies of all pertinent information regarding this loan. I also request that you conduct your own investigation and audit of this account since its inception to validate the debt you currently claim I owe. Specifically, I am writing to request : Copies of all documents pertaining to the origination of the mortgage including : Settlement Statement HUD-1 Appraisal Loan Application All Right to Cancel Forms All Good Faith Estimates Commitment Letter FHA Mortgage Insurance Certificate FEMA Flood NotificationHazard/Flood Policy 30 ARM Program Disclosure CHARM Booklet Title Commitment First Payment Letter Adverse Notice Purchase Agreement Buydown Agreement Mortgage Broker Agreement Privacy Policy Credit Documents All State Specific Disclosures Closing Instructions Lock In agreement Section 32 Disclosures Original Note Signed Affidavit Statement Mortgage/Deed of Trust All Truth In Lending Disclosure Statements HELOC Agreement & Disclosures Private Mortgage Insurance Certificate Asset Verification Documentation Income Verification Documentation Gift Fund letters and verification Itemization of Amount Financed Special Information Booklet on Closing Costs Controlled Business Arrangement Disclosure A copy of the loan history including all payments made, all fees incurred, what has been paid out of the escrow account, and how all payments were applied. This information should cover the entire life of the loan. Additionally, this letter shall serve as my written request under TILA 15 USC 1641 ( f ) ( 2 ), which mandates that you, as the servicer, provide me the identity of the true note holder, including their name, address and telephone number of the owner of this obligation. The reason for obtaining this information is to assure that the terms and conditions are reasonable and affordable throughout the term of the loan and that I was not a victim of predatory lending and/or servicing practices. You should be advised that you must acknowledge receipt of this qualified written request within 15 business days, pursuant to 12 U.S.C. Section 2605 ( e ) ( 1 ) ( A ) and Reg. X, Section 3500.21 ( e ) ( 1 ). Thank you in advance for taking the time to acknowledge and answer this request as required by the Real Estate Settlement and Procedures Act ( section 2605 ( e ) ). Sincerely, XXXX XXXX XXXX, XXXX
Company Response:
State: OH
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-20
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Im reaching out in need of assistance in seeking immediate resolution to an error by XXXXMr. Cooper Mortgage. My previous mortgage company, XXXX XXXX, which I purchased my home back in XXXX of XXXX, had transferred my mortgage to XXXXMr. Cooper approximately in XXXX of XXXX. Since then, I have made mortgage payments on time ( if not early ), only for them to receive my payments, acknowledge receipt of my payments, then reverse my payments and send me notices threatening default and possible foreclosure. Ive made several attempts to resolve their error, including early payment, successful autopay setup, a written letter explaining the error, several phone calls to customer service, and re-paying my monthly mortgage amount after they failed to apply payment to my payment. It has resulted in two Notice of Pre-foreclosure Option Letters I received, one on XX/XX/XXXX and another on XX/XX/XXXX. Ive tried twice to pay my mortgage since XXXX. I submitted a payment on time for XX/XX/XXXX, only to have it credited back and told that I havent paid. I was never alerted about this. At the beginning of XXXX, I noticed that my mortgage auto payment had not been taken out of my account. I logged into my XXXXMr. Cooper online account to check the status. At that time, my payment for XXXX and XXXX was showing as past due. I went back and paid for XXXX and XXXX in the amount of {$5600.00} and called XXXXMr. Cooper to verify that I was not going to be penalized. At that time, I was told that it was indeed received and that I would not be penalized for it. I re-set up auto payment as a preventative measure in the future, and the setup was acknowledged by their automated system as successful. Around the same time when I made my payment, I received a Notice of Pre-foreclosure Letter in the mail with a threatening message stating that I needed to consult with a counselor or attorney to avoid default/foreclosure. Although I knew that this was written before I made my recent payment, I called again to verify that my payment was received and was told that as long as my payment had shown as received on my XXXX account, I was fine and that they just needed time to process the payment. My online account had indeed shown that the payment was received back on XX/XX/XXXX for the full amount of {$5600.00} ; however, I continued to monitor my bank account every day to ensure that the money would be deducted from my account. When I noticed that it wasnt taken out, I called customer service again. I was told that it was fine and that they were still working through the transition as Mr. Cooper and XXXX XXXX had taken over XXXX XXXX ( my former carrier ). I continued to check my account daily, only to find that they still failed to take the payment from my bank account. I tried calling numerous times to ask why, but I could not get past the automated machine to speak to a representative. I decided to message XXXXMr. Cooper on the XXXX of XXXX directly from my online account as well as mail a letter about my concerns that they continued to fail taking money from my checking account. I woke up on the XXXX of the XXXX and checked my online account only to see that my mortgage payment status changed from showing as paid and up to date, to showing as past due for both XXXX and XXXX mortgage payments. I noticed that the full amount I had paid had, once again, showed on Mr. Coopers records as credited back. I continued to receive numerous emails notifying me of delinquent payments on XX/XX/XXXX. As like previous notifications, there was no reason explaining this. I then began receiving debt collector messages on my phone only to receive an automated message warning me of my delinquent payment with an immediate hang-up. I called the number back, making several attempts to use keywords to get the automated system to transfer me to a representative, instead of continually getting looped back to the automated machine. I waited several minutes to get through. I was even offered to receive a call-back when a representative would become available. I did not want to get dropped from the call, so I waited. Finally, a live representative answered the call, asked who she was speaking to, what the property address was, and what my social security number was. Once I provided that, the call disconnected. I received another Notice of Pre-foreclosure Options Letter again on XX/XX/XXXX. Now I fear that you will penalize me for your mistake and that my credit will be severely impacted. I have screenshots and downloaded copies that I made my payment and that it was accepted. For me to see that they failed to correctly process payments after several attempts to make them has put me in a state of panic. I just purchased my home after having spent 8 years of my life rebuilding my credit after my divorce. For this to happen makes me upset, fearful, and untrusting of how future payments will be handled as well as how it will affect my credit. Im desperately in need of assistance from a third party to correct this mistake I appear to have no control over. Ive even made all possible efforts to pay them, notify them, and provide them with all my bank account information to automatically prevent it from happening again. I am hoping to find support requesting prompt correction and written documentation that this has been handled from XXXXMr. Cooper. I made another payment today ( XXXX XXXX ) for the entire amount of {$5600.00} and received confirmation through email that it was received ; however, I can not continue to have the same pattern happen and risk losing my home. You assistance would be greatly appreciated.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: WA
Zip: 98405
Submitted Via: Web
Date Sent: 2023-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-20
Issue: Trouble during payment process
Subissue:
Consumer Complaint: RightPath Servicing has fraudulently placed insurance on my property and has not allowed my mortgage payments to be applied accordingly. RightPath Servicing has misappropriated my mortgage payments. RightPath Servicing claimed, on XX/XX/2022, that my betterments and improvements insurance had expired. At no time did my insurance expire. Betterments and Improvements is a clause found within insurance policies and NOT a policy that can be purchased separately. RightPath Servicing sent a letter on XX/XX/2022, as a Second and Final Notice that I needed to purchase Hazard insurance or they would place a LPI policy on my property and charge me for the cost. I have sent RightPath Servicing proof of Hazard Insurance, on numerous occasions, to the email address they provided, listed after the language, If you prefer you may update your HAZARD coverage online at :. RightPath Servicing does not deny that Hazard Insurance is NOT H06 Insurance. RightPath Servicing admits they werent responsible for sending a letter dated XX/XX/2022 claiming the obtaining of a H06 Insurance policy on my behalf, a letter I never received. RightPath Servicing can not provide proof of it being sent. RightPath Servicing did not provide a copy of this letter until responding to my complaint on XX/XX/2022. I immediately purchased H06 insurance after seeing, for the first time, that I was being charged for this policy. I was first made aware of RightPath Servicing requiring a H06 Insurance policy, when it appeared on my XX/XX/2022 mortgage statement. There is no such insurance policy as a Betterments and Improvements policy, again, this is a clause and not something that can be purchased individually. The same with Hazard insurance, it is not a separate insurance policy. If RightPath Servicing would have stated, since XX/XX/2022, that a H06 Insurance policy was needed, I would have purchased it then and not in XX/XX/2022. RightPath Servicing insisting I purchase Hazard Insurance was deliberately deceptive, intended to cloud this issue until such a time they would place an H06 policy on my property, backdating it to XX/XX/2022 and assessing me for coverage from XXXX thru XX/XX/2022. I was not assessed for this coverage on my XXXX or XXXX mortgage statement, it was not until XXXX, did they assess me, increasing my mortgage payment by {$1000.00} per month.
Company Response:
State: FL
Zip: 33458
Submitted Via: Web
Date Sent: 2023-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-20
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My mortgage is currently serviced by Mr. Cooper. I have over the life of the loan had my XXXX XXXX checking account information saved for monthly payments. My payment is due on the XXXX of each month with the XXXX, being the late payment cutoff. I made my XXXX payment on XX/XX/XXXX, within the on-time window, as typical with the saved acct. information. I also received the standard XXXX emails. The first was to acknowledge the payment was scheduled and the second stating the payment was received. On XX/XX/XXXX I was sent an email saying the payment was still due. I checked my account and noticed no payment processed so I paid on XX/XX/XXXX. Again, I received the standard XXXX emails. I do not remember if I called on XX/XX/XXXX OR on XXXX XXXX, when this situation occurred for a XXXX time. When I spoke with the agents they told me that the new payment processing vendor had problems transferring account information from previous database, but to not worry that my XX/XX/XXXX payment would go through and no negative reporting would occur. Again this happened on XX/XX/XXXX. But on this date the Mr. Cooper rep asked me to re-enter my payment account information and that the payment would go through. This time it did go thorough and my account is shown as current. On XXXX I was sent a certified letter stating I was delinquent and at risk for foreclosure. This letter, and the protentional actions stated within, were exactly what I was concerned about happening in the first place and shows me that XXXX XXXX internal depts. are not communicating and seemingly operating independently. I am taking the time to write this complaint not because of the stress, frustration, and inconvenience this caused me, but to see some action taken on XXXX XXXX part to communicate better with their customers AND make sure that the internal processes and departments are talking to XXXX another and not threatening penalization. I can only XXXX the pains and headache that would have happened if I was on auto pay and away on extended vacation.
Company Response:
State: CA
Zip: 940XX
Submitted Via: Web
Date Sent: 2023-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-20
Issue: Trouble during payment process
Subissue:
Consumer Complaint: XX/XX/XXXX Nationstar accepted the amount of {$170000.00} from me. XX/XX/XXXX, Nationstar refused to credit the full amount of interest collected from me and held {$14.00} of interest collected in a suspense account where it remains as of today XX/XX/XXXX, holding the loan open with XXXX XXXX as the current owner, 8 years after the loan was overpaid to Nationstar. See attached XX/XX/XXXX, Nationstar refused to credit my payment to them for lenders fees of over {$1900.00} and still holds the amount uncredited in a suspense account, without any proof of services these fees were originally collected for, leaving my loan open, and under paid. See attached. XX/XX/XXXX Nationstar over charged me for late fees collecting {$2800.00} when I only owed {$1500.00}, and made an inaccurate payment allocation of {$11000.00} that causes the appearance that I was late for 196 months. See attached. This conduct caused 6 years of repeated reporting that I was currently 120 days or more past due, repeatedly claiming I was under a partial payment agreement, with Nationstar as of today claiming their outside counsel will not allow for the suspense account to be emptied and amounts credited to what they were charged for. After 8 years, I can not apply for a residential loan because I can not explain why Nationstar claims I had XXXX current payments on an XX/XX/XXXX Verification of Mortgage, nor can I explain why a suspense account is still existing, nor why the company refuses to fully credit my final over payment to the company accepted XX/XX/XXXX. I sent a notice of error XX/XX/XXXX to which I have received no response. I filed a complaint in XX/XX/XXXX with your agency and the attorney just emailed an account history proving my claims above without any correction at all. I sent a request for closure of the suspense account and inaccurate payment allocation of {$11000.00} to late fees in lines XXXX and under credit of interest paid in line XXXX XXXX XX/XX/XXXX and have received no response. I have asked twice for proof of services for the uncredited payments for unearned fees held in suspense in lines XXXX and the company has provided me with no proof of any services or nor have I received a certified copy of the checks claimed to have paid over {$1800.00} in non descript advances in XXXX This conduct violates 12 USC 2605 but 15 USC 1639 ( f ). As of today, I am not able to find relief in corrections that the law states no servicer shall refuse to correct.
Company Response:
State: OK
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-21
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: LOAN MODIFICATION AND QUALIFIED WRITTEN REQUESTS RE : LOAN NO : [ LOAN NUMBER, ADDRESS, ETC., REMOVED AS THIS SITE INSTRUCTED NOT TO INCLUDE AT THIS STAGE OF COMPLAINT PROCESS ] RE : XX/XX/XXXX FRAUDULENTLY ORIGINATED COUNTRYWIDE LOANS IDENTIFIED IN XXXX FEDERAL AND STATE CONSENT ORDERS/STIPULATE JUDGEMENTS. LOAN ACQUIRED BY NATIONSTAR COOPER IN XXXX BUT DOZENS AND DOZENS OF REQUESTS FOR RELIEF AND/OR THE COMPLETION OF STILL EXISTING MODIFICATION APPROVALS NEVER COMPLETED/IMPLEMENTED. NO PERMANENT MODIFICATION RELIEF OF ANY KIND PROVIDED TO DATE. [ NAME ADDRESS PHONE NUMBERS REMOVED PER THIS SITE INSTRUCTION AT THIS STAGE OF COMPLAINT ] SEE ATTACHED COMPLETE UPDATED DOCUMENTATION ATTACHED AGAIN TWENTIETH+ TIME SINCE XXXX OF XXXX ALONE WITH MANY, MANY DOZENS PRIOR TO THAT FROM XXXX THROUGH XXXX OF LAST YEARS. ALL REQUESTS FOR RELIEF RELIEF HAVE NEVER RESULTED IN ANY MODIFICATION RELIEF OF ANY KIND INCLUDING AS SPECIFIED IN XXXX FEDERAL CONSENT ORDERS/STIPULATED JUDGEMENTS, TWO PRE-EXISTING MODIFICATION APPROVALS BOTH INCOMPLETE BY NATIONSTAR/COOPER INCLUDING XXXX XXXX XXXX XXXX PRE-EXISTING NATIONAL MORTGAGE SETTLEMENT " XXXX '' APPROVAL BY NATIONSTAR 'S PREDECESSOR XXXX THAT WAS SIMPLY AWAITING IMPLEMENTATION OF XXXX COMPLIANCE TO THE APPROVAL ( ONE OF TWO THAT NMS APPROVALS BY XXXX ) BUT NATIONSTAR/COOPER HAVE FAILED AND/OR REFUSED TO EVER COMPLETE IT BY SIMPLY IMPLEMENTING NMS COMPLIANCE THAT WAS PENDING. XXXX. XXXX NATIONSTAR MODIFICATION APPROVAL FOR WHICH NATIONSTAR REQUIRED CONSIDERATION/EARNEST MONEY DEPOSIT THAT WAS PAID BY ME AND CASHED BY NATIONSTAR BUT THE MODIFICATION APPROVAL WAS NEVER IMPLEMENTED XXXX. ENDLESS REQUESTS FOR ANY COMPLIANT MODIFICATION REVIEWS AND IMPLEMENTATION THE RESULTS MOST FAVORABLE TO ME/PROVIDING THE MAXIMUM RELIEF INCLUDING BUT NOT LIMITED TO LOAN EXTINGUISHMENT/FORGIVENESS/EXONERATION RECONVEYANCE XXXX. PANDEMIC LOAN MODIFICATION RELIEF, ETC. SEE ATTACHED COMPLETE DOCUMENTATION I AGAIN SUBMIT FOR MODIFICATION OF THE XXXX FRAUDULENTLY ORIGINATED XXXX LOANS AT ISSUE INCLUDED IN XXXX FEDERAL CONSENT ORDERS/JUDGEMENTS REQUIRING MODIFICATION RELIEF. I HAVE PROVIDED BOTH AN XXXX LINK BELOW AND AS A DIRECT ATTACHMENT TO THIS EMAIL CONTAINING THE COMPLETE DOCUMENTATION FOR MODIFICATION AGAIN REQUESTED ELECTRONIC SIGNATURE [ REMOVED PER THIS SITE INSTRUCTION NOT TO INCLUDE AS THIS STAGE OF COMPLAINT PROCESS ] XX/XX/XXXX NOTE : I PROVIDED EXTENSIVE/COMPLETE DOCUMENTATION AGAIN AS PART OF THE ABOVE EMAIL TO COOPER AND ITS COUNSELS TODAY BUT DID NOT INCLUDE THE LINK HERE AS YOUR SITE INSTRUCTS NOT TO AT THIS STAGE.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-20
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I have loan with XXXX XXXX. I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report. I have read enough to understand my rights. The 3 Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update or remove the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP. XXXX XXXX Date Opened : XXXX Balance : {$0.00}
Company Response:
State: CA
Zip: 902XX
Submitted Via: Web
Date Sent: 2023-02-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-20
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still account that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate this account ( A ). I hope this disputed account is updated. SETERUS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: CA
Zip: 902XX
Submitted Via: Web
Date Sent: 2023-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-20
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still account that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate this account ( A ). I hope this disputed account is updated. SETERUS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: CA
Zip: 902XX
Submitted Via: Web
Date Sent: 2023-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A