Date Received: 2023-01-09
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Hello my loan service provider is Mr Cooper XXXX. For the last year I have had numerous financial difficulties because of the pandemic. I am currently on the forbearance program with Mr Cooper XXXX. I have applied for the Nebraska homeowners assistance fund. My application was approved and the status right now says communication sent to lender. Nebraska homeowner assistance fund claims they sent communication to sender on XX/XX/XXXX. It has been over a month and my forbearance program ends at the end of this month XX/XX/XXXX. The Nebraska homeowners assistance fund claims that Mr Cooper is not responding to their communication. I have spoken to the compliance department XXXX of issue resolution XXXX XXXX of Mr Cooper on XX/XX/XXXX. She has supposedly talked to her HAF team but the issue is not being resolved. I'm running out of time and I did not want to lose my home. I need Mr Cooper XXXX to respond back to Nebraska homeowners assistance fund with the documents they need so they can make the decision of what they're going to pay. I would appreciate if Mr Cooper lakeside would do their part so this issue could be resolved.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NE
Zip: 681XX
Submitted Via: Web
Date Sent: 2023-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-09
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: Dear XXXX, Complaint id : XXXX To put it simply, the {$77000.00} was a line of credit, but my mother did not actually withdraw it from the bank. It never actually went into her account! Instead, money equal to the amount of this line of credit was transferred to XXXX. And this is true. So why should she have to pay off a loan she never received? At most, only money related to the maintenance of the credit line, XXXX. all interest, should have been transferred to XXXX 's account. The {$77000.00} is principal. And separate interest. But the principal was never held by my mother. It never went into her pocket, it never went into her bank account! That sounds like a theft. My mother took out a line of credit with the XXXX XXXX XXXX for {$77000.00}. But the money was never disbursed. Now here 's the problem : XXXX XXXX transferred the same amount of money to XXXX 's account. From my mother 's estate! On XX/XX/XXXX, the XXXX XXXX Department informed me that the {$77000.00} was deposited into Champion Mortgage 's account. But it was never in my mother 's account. So she never actually owed this {$77000.00}, only the interest and insurance costs associated with it. I received your letter. Unfortunately, I can not agree. To me it is irrelevant that the reverse mortgage was closed. My question is this : no one has noticed the important fact that my mother did not receive the {$77000.00} reverse mortgage. The amount of the {$77000.00} reverse mortgage was transferred to Champion Mortgage. How was XXXX able to close this case? Did the accounting firm not realize that when my mother 's case was closed, the income was {$77000.00} more than the expense? Is the XXXX XXXX trying to make a profit on my dead mother 's money? For the sake of order, I will describe this terrible case XXXX more time. So. My mother had a reverse mortgage debt of {$230000.00} on XX/XX/2017. On XX/XX/2017, she signed a reverse mortgage loan for {$77000.00}, which she was no longer able to use and the {$77000.00} was transferred to Champion Mortgage. Total : {$270000.00} this is how much my mother owed on the reverse mortgage. Total : {$270000.00} that's how much my mother owed the reverse mortgage company. I am asking for your help because someone or someones made a big mistake in this case. Thank you. Best regards, XXXX XXXX
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-09
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Sold my home. Final payment from attorney office was late. Resulting in a bad mark on my credit score. I need this bad mark removed as I have never had a late or missed payment for the entire term of loan and history of my credit.
Company Response:
State: NY
Zip: 144XX
Submitted Via: Web
Date Sent: 2023-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-09
Issue: Trouble during payment process
Subissue:
Consumer Complaint: RightPath Servicing has fraudulently assessed me for insurance. A letter sent to me dated XX/XX/XXXX, from RightPath Servicing, claimed my HomeOwners insurance had expired, of which it did not. Proof of insurance was emailed, by me, to the email address listed in the letter stating, If you prefer you may update your HAZARD coverage information at RightPathServicing@MyCoveraginfo.com. I emailed a copy of my hazard insurance on XX/XX/XXXX at XXXX. A second letter was sent by RightPath Servicing, stating, This is your second and final notice to obtain insurance or provide RightPath Servicing proof of insurance, as our records show that your HAZARD insurance expired and we do not have evidence that you have obtained new coverage. Because HAZARD insurance is required on your property, we plan to buy insurance for your property. I emailed RightPath Servicing, again, on XX/XX/XXXX, providing them proof of HAZARD insurance coverage. I have acknowledged receiving letters from RightPath Servicing that were sent on XX/XX/XXXX and XX/XX/XXXX. I have NEVER received a letter from RightPath Servicing dated XX/XX/XXXX, in fact, the first time I saw this letter was on XX/XX/XXXX when RightPath Servicing attached it to a response to my complaint dated XX/XX/XXXX. RightPath Servicing had not provided this XXXX letter in response to previous complaints I had filed, including the complaint they responded to on XX/XX/XXXX, because its obvious that this letter did not exist before XX/XX/XXXX. The first time I became aware of RightPath Servicing assessing me for XXXX XXXX was in XXXX, as this was the first time my monthly insurance payment statement reflected an assessment for XXXX ( Forced Placed Insurance ). My XXXX payment statement amount was not changed to reflect the purchase of insurance ( XXXX ) and neither was my XXXX statement. I immediately purchased XXXX insurance in XXXX, as this was the FIRST time it was brought to my intention that RightPath Servicing was requiring XXXX insurance AND NOT hazard insurance, as their letters of intent to purchase insurance on my behalf had consistently claimed HAZARD insurance. HAZARD INSURANCE, as defined by all major insurance providers is : HAZARD INSURANCE Nationwide Insurance What is hazard insurance? Hazard insurance generally refers to coverage for the structure of your home only. Other kinds of damage will be covered by other coverages within your homeowners insurance policy. Hazard insurance doesnt generally refer to the coverage that protects you for injuries incurred by you or your guests following an accident may be covered by liability coverage. The reason hazard insurance is a common term is actually because of lenders. Your mortgage loan provider may require hazard insurance at minimum before they will issue you a loan, because that is the only portion of the homeowners insurance policy directly related to the home structure itself. This may create the misconception that hazard coverage can be purchased separately from homeowners insurance, which is not accurate. If your lender has specified that you need hazard or dwelling coverage, just know that generally purchasing a homeowners policy will satisfy their requirements. RightPath Servicing should now be investigated by the CFPB for their deliberate intent to fraud. The proof in their provided communications is irrefutable, they claimed I needed to purchase HAZARD INSURANCE and then placed a XXXX insurance policy on my property which, as its clear, is NOT hazard insurance. I am requesting an investigation into RightPath Servicings actions and to give strong consideration to their history of misconduct and millions paid in sanctions, under different entities.
Company Response:
State: FL
Zip: 33458
Submitted Via: Web
Date Sent: 2023-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-09
Issue: Trouble during payment process
Subissue:
Consumer Complaint: In XXXX I paid my mortgage to Mr. Cooper ( mortgage company ) for XX/XX/XXXX. On the XXXX I was checking with them because I noticed it was still in my credit union and they said it had not yet received it on the telephone with this young lady I have made the transaction to give her the mortgage I noticed on my bank statement on XX/XX/XXXX my bank pay the mortgage from the check that I sent on the XXXX. So I called them back and I talked to the young lady she said that she would have my money refunded and she called my credit union and we were on three way with my credit union I gave her my routing number my bank number and everything like that she said I should receive it back at the bank within 24 to 48 hours never received it today I call I talked to a gentleman he keeps me on the phone for over an hour I'm holding and waiting all this time he's checking the information out that I'm giving him I even found out on the automated greeting when I first call that I was up to date because my XXXX mortgage was also paid so they had three mortgages and I don't have money I had to pay bank cards for checks that bounced and everything over {$100.00} I need my {$1000.00} back after all that time I stayed on the phone with that gentleman he comes back and tells me that they have the electronic transaction that I made with the young lady on the XXXX they had the money paid for the check XXXX check number they have the mortgage that came in on the XXXX for XXXX, but in order for them to refund me my money for one month I need to send them my bank statements and a canceled check for the XXXX check number when I told that man after all this time I waited on this phone that's just too much there's got to be a better way while I was waiting for that man on that phone I was crying because I had a feeling that it wasn't going to work out for me and I'm going to see what I can do if it's writing the XXXX XXXX XXXX and Consumer Financial Protection Bureau.
Company Response:
State: DC
Zip: 20019
Submitted Via: Web
Date Sent: 2023-01-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-10
Issue: Trouble during payment process
Subissue:
Consumer Complaint: RightPath Servicing has fraudulently assessed me for insurance. A letter sent to me dated XX/XX/XXXX, from RightPath Servicing, claimed my Home Owners insurance had expired, of which it did not. Proof of insurance was emailed, by me, to the email address listed in the letter stating, If you prefer you may update your HAZARD coverage information at XXXX. I emailed a copy of my hazard insurance on XX/XX/XXXX at XXXX. A second letter was sent by RightPath Servicing, stating, This is your second and final notice to obtain insurance or provide RightPath Servicing proof of insurance, as our records show that your HAZARD insurance expired and we do not have evidence that you have obtained new coverage. Because HAZARD insurance is required on your property, we plan to buy insurance for your property. I emailed RightPath Servicing, again, on XX/XX/XXXX, providing them proof of HAZARD insurance coverage. I have acknowledged receiving letters from RightPath Servicing that were sent on XX/XX/XXXX and XX/XX/XXXX. I have NEVER received a letter from RightPath Servicing dated XX/XX/XXXX, in fact, the first time I saw this letter was on XX/XX/XXXX when RightPath Servicing attached it to a response to my complaint filed on XX/XX/XXXX. RightPath Servicing had not provided this XXXX letter in response to previous complaints I had filed, including the complaint ( filed XX/XX/XXXX ) they responded to on XX/XX/XXXX, because its obvious that this letter did not exist before XX/XX/XXXX. The first time I became aware of RightPath Servicing assessing me for H06 insurance was in XXXX, as this was the first time my monthly mortgage payment statement reflected an assessment for FPI ( Forced Placed Insurance ). My XXXX mortgage payment statement amount was not changed to reflect the purchase of insurance ( H06 ) and neither was my XXXX mortgage statement. I immediately purchased XXXX insurance in XXXX, as this was the FIRST time it was brought to my attention that RightPath Servicing was requiring XXXX insurance AND NOT hazard insurance, as their letters of intent to purchase insurance on my behalf had consistently claimed HAZARD insurance. HAZARD INSURANCE, as defined by all major insurance providers is : HAZARD INSURANCE Nationwide Insurance What is hazard insurance? Hazard insurance generally refers to coverage for the structure of your home only. Other kinds of damage will be covered by other coverages within your homeowners insurance policy. Hazard insurance doesnt generally refer to the coverage that protects you for injuries incurred by you or your guests following an accident XXXX be covered by liability coverage. The reason hazard insurance is a common term is actually because of lenders. Your mortgage loan provider XXXX require hazard insurance at minimum before they will issue you a loan, because that is the only portion of the homeowners insurance policy directly related to the home structure itself. This XXXX create the misconception that hazard coverage can be purchased separately from homeowners insurance, which is not accurate. If your lender has specified that you need hazard or dwelling coverage, just know that generally purchasing a homeowners policy will satisfy their requirements. RightPath Servicing should now be investigated by the CFPB for their deliberate intent to fraud. The proof in their provided communications is irrefutable, they claimed I needed to purchase HAZARD INSURANCE and then placed a XXXX insurance policy on my property which, as its clear, is NOT hazard insurance. I am requesting an investigation into XXXX XXXX actions and to give strong consideration to their history of misconduct and millions paid in sanctions, under different entities.
Company Response:
State: FL
Zip: 33458
Submitted Via: Web
Date Sent: 2023-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-10
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I was XXXX mortgage relief thru MIHAP for XXXX and the XXXX XXXX XXXX refused to accept the MIHAP funds of XXXX per XXXX XXXX representative on XX/XX/2023.
Company Response:
State: MI
Zip: 48237
Submitted Via: Web
Date Sent: 2023-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-08
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: Nationstar Mortgage LLC, d/b/a Mr. Cooper, XXXX XXXX replied to a request for interest in the referenced property. Mr.Cooper replied " confirming and establishing the interest in and securing the above referenced account '', as the confirmed Successor In Interest. Documents were submitted with an affidavit of heirship and death certificates for the previous borrowers by the Confirmed Successor In Interest. ( 1. ) However, after reviewing the documents, later sent by Mr. Cooper, it showed that a 9.57 % yearly rate of interest was being charged since XX/XX/2006. The first request for an explanation for the abnormal interest rate was sent on XXXX notarized and ignored by Mr. Cooper. ( 2 ) again on XXXX referencing the high interest rate. No response by Mr. Cooper regarding the unusual interest charged. ( 3 ) Again on XXXX to lower the interest was not acknowledged or corrected or explained by Mr. Cooper. A letter was sent to Mr. Cooper as a complaint of discrimination regarding my age, the age of the previous borrowers, and race regarding the abnormal 9.57 % interest rate which started in 2006 and continues down to this day ( copy attached ). I requested information concerning the number of customers Mr.Cooper had serviced using this high % rate. The request did not involve any personal information only numbers and ages. Mr. Cooper replied that they would not submit that request.
Company Response:
State: TX
Zip: 75232
Submitted Via: Web
Date Sent: 2023-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-08
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Missing FDIC personal checking account funds from XXXX XXXX ( from multiple XXXX XXXX XXXXXXXX accounts since XXXX ) and mine ( from separate XXXX XXXX XXXX account ) that are FDIC insured to pay the failed bank XXXX, XXXX XXXX and nationstar for the real estate contract that pays off the mortgage on our personal residence of 14 years at XXXX XXXX XXXX XXXX XXXX NM XXXX Those funds are misplaced, embezzled or misapplied to someone else 's account or incorrectly. The loan was not an interest only we were told neither a reverse mortgage or had any other loan than the original XXXX loan. we were told is the same loan that got transferred to XXXX XXXX XXXXXXXX and sold or pennies to the dollar to nationstar, as servicers. We paid ( see attachments ) but those FDIC insured checking account funds from our personal checking accounts at XXXX XXXX XXXX are missing between the fiduciary and XXXX XXXXXXXX XXXX and nationstar. We request to collect on them under the FDIC insurance because the payents were for house payments and not to be stolen. There is a papertrail i am sure you can investigate. Where it is or can you please see the FDIC claim we did on the money, that was in XXXX XXXX XXXXXXXX for XXXX XXXXXXXX XXXX mortgage through the fiduciary XXXXXXXX XXXXXXXX We bought a home in XXXX XXXX for the amount listed in the HUD and the XXXX XXXX of nm purchase contract. where XXXX XXXX used their vendor XXXX XXXX to collect on a seller financing XXXX dollar per dollar contract per mls financing advertising of the XXXX XXXX XXXX XXXX XXXX The XXXX listing was cancelled because we were told " the buyers did not qualify '' and later on, the appraisal came after closing about 30K less than the sales price/mortgage value wrapped of XXXX We already bought so it was a done deal. The roof or part of it fell and leaked we did not get the invoice of the " XXXX XXXX XXXX XXXX and did not exist. The pool had problems with water connection and we looked and no survey was done. We started paying and the payment went up and one month in XXXX went up by XXXX XXXX We never got a note or amortization table and the hud statement did not show but the sales price that we were told was the mortgage balance. We made the monthly payments and we were told in XXXX that if we want to keep the house we need to deposit extra cash. We did we want to keep our home. The payments are attached here. In XXXX my mother got interest and title from the XXXX 's and myself. WE found out that the property was in foreclosure in XXXX by chance as I was looking for a case in relation to my XXXX son ( guardianship ). We were never served with the original note and to this date we do not have a copy or full history how the loan numbers kept on changing and there were always behind. I put downpayment too and two extra payments as you can see from the hud statement We never got XXXX those were going to the escrow company and those funds got lost too.
Company Response:
State: NM
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-07
Issue: Trouble during payment process
Subissue:
Consumer Complaint: We made a complaint in XX/XX/2022 about this company not honoring our loan modification after our mortgage was sold to them. They responded back and said they would honor it if we paid the past due amount of {$7700.00} by XX/XX/XXXX. This closed the complaint. They received over {$20000.00} on XX/XX/XXXX which brought our account current with almost {$14000.00} left over. Now they are saying because our account is current, they wont book the loan modification as they said in their written response to us and the CFPB.
Company Response:
State: TX
Zip: 77493
Submitted Via: Web
Date Sent: 2023-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A