Date Received: 2022-12-05
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: My XXXX payment was paid by my bank 's on line bill pay system. The mortgagor misapplied my payment to another account. The mortgagor says they never received it. I sent a copy of the front and back of the check proving payment. They are investigating. In the meatime, I've paid all subsequent mortgage payments. They reported that I'm past due when that is not the case.
Company Response:
State: MD
Zip: 20853
Submitted Via: Web
Date Sent: 2022-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-04
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have a mortgage with mr cooper. I have asked both by phone and email for the pmi on the loan to be dropped they have refused. Different. Each time I speak to them on the phone I get different answers from different agent some say my pmi is for the life of the loan. Other say it not XXXX on my research pmi should be dropped once there is enough equity in the home. Pls help resolved this for me
Company Response:
State: NC
Zip: 27560
Submitted Via: Web
Date Sent: 2022-12-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-04
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: I would like to ask for your help : On XX/XX/XXXX, my mother, XXXX XXXX, signed a reverse mortgage for {$77000.00}. Unfortunately, on XX/XX/XXXX, my mother suffered a severe XXXX and became unable to work. She was never able to use the {$77000.00} reverse mortgage. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX On XX/XX/XXXX, I received the following response, which I quote verbatim : " 'These funds were not sent to your mother 's bank account, but were used to pay off a mortgage loan with Champion Mortgage. My mother 's guardian made mortgage payments totaling {$350000.00} to XXXX. Included in this {$350000.00} was {$77000.00} although this amount was never used. Is this horror story because I, as my mother 's heir, am a XXXX XXXX? Please help me. I have all the relevant documents in my possession.
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-12-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-04
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT To : NATIONSTAR MORTGAGE LLC dba MR. COOPER GROUP and all Agents., et al Attn : XXXX XXXX XXXX President MR. COOPER XXXX XXXX XXXX XXXX Chief Financial Officer, MR COOPER XXXX XXXX XXXX XXXX XXXX XXXX XXXX MR COOPER Ref. : Satisfaction of deed of trust Notification of challenge to outstanding debt claim : Your organization has made a claim that there is an outstanding debt associated with a deed of trust dated on or about XX/XX/XXXX, however, that deed of trust was satisfied upon deposit with the Federal Reserve agent- TITLE IV, sec . 401. the sixth paragraph of section 18 of the Federal Reserve Act is amended to read as follows : " Upon the deposit with the Treasurer of the United States ( a ) of any direct obligations of the United States or ( b ) of any notes, drafts, bills of exchange acquired under the provisions of this act, any Federal Reserve bank making such deposit shall be entitled to receive from the Comptroller of the Currency circulating notes. You have mistakenly documented that my property was security for the loan, this is contrary to the Federal Reserve act, the XX/XX/XXXX act, presidential proclamation XXXX as well as the official congressional record for XX/XX/XXXX. Under the provisions of that act, which is still valid and enforceable to the present day, the promissory note tendered to the Federal Reserve agent, that was duly notarized, and signed with a blank endorsement, constituting tender of payment via legal tender as prescribed in the aforementioned act. Please take special note of the law concerning promissory notes : when issued against the security of notes bills of exchange acquired under the provisions of this act, the amount thereof shall be equal to not more than XXXX percent of the estimated value of such notes, drafts, bills of exchange so deposited as security. Such notes shall be the obligations of the Federal Reserve bank ... shall be receivable at par in all parts of the United States for the same purposes as are national-bank notes, and shall be redeemable in lawful money of the United States on presentation at the United States Treasury or at the bank of issue The XX/XX/XXXX act, TITLE IV, sec. 401. Amending the sixth paragraph of section 18 of the Federal Reserve Act. See, it appears what you were failing to recognize is the law, coupled with the intent of Congress, is where Congress intended as did I, that promissory notes, as well as bills of exchange are the security deposits as noted above, and as such you are obligated to foreclose on that lawful Money ( The last section of the bill provides for the issuance of a new money, and so that no one would misunderstand what the new lawful money was, it was explained : this new money is to be handled. I refer to section 401, which reads : Upon deposit with the Treasurer of the United States of all contract obligations of the United States, or any notes. and so forth. Under the Federal Reserve Act obligations that are deposited as the security and gold for reserve notes are placed in the hands of the Federal Reserve agent. I would like to ask the chairman of the committee if this is a plan to change the holding of the security back of Federal Reserve notes to the Treasury of the United States rather than the Federal Reserve agent. XXXX XXXX. This provision is for the issuance of Federal Reserve bank notes ; not for Federal Reserve notes ; and the security back of it is the obligations, notes, drafts, bills of exchange, bank acceptances, outlined in the section ), and since this is law in the United States as of XX/XX/XXXX to the present day, it is received and redeemable at all financial institutions operating as agents of the federal reserve : When required to do so by the Secretary of the Treasury, each Federal Reserve agent shall act as agent of the Treasurer of the United States or of the Comptroller of the Currency, or both, for the performance of any of the functions which the Treasurer or the Comptroller may be called upon to perform in carrying out the provisions of this paragraph The Congressional record of intent for the XX/XX/XXXX act, TITLE IV, sec. 401. Amending the sixth paragraph of section 18 of the Federal Reserve Act. Release : What the Lender Does After the Homeowner Pays Off the Mortgage. It is now time for the lender to release the lien. Within 3 weeks after I fully pay my loan off in Ohio State, for example, state law requires the lender to cancel the deed of trust and dismiss the trustee. As the homeowner, I was to receive a payoff verification letter from the lender, at which point the mortgage lien was to have been released or satisfied and officially recorded, why was this not done as required by Law? If, per the Federal Reserve act as amended by the emergency economic banking relief act, et al, the Note was the security and or the gold backing the issuance of the federal reserve notes ( Under the new law the money is issued to the banks in return for Government obligations, bills of exchange, drafts, notes, trade acceptances, and banker 's acceptances. The money will be worth XXXX XXXX XXXX XXXX XXXX because it is backed by the credit of the Nation. It will represent a mortgage on all the homes and other property of all the people in the Nation. ), why was my account not properly credited for the original NOTE security deposit as prescribed in law? As per the law I will need this alleged outstanding DEBT Validated and Verified, as well as proof that the original Note was not Legal Tender for the same purposes as are national-bank notes and shall be redeemable in lawful money of the United States on presentation at the United States Treasury or at the bank of issue.? This is to be received as an official Challenge and notice of intent to sue! This Qualifies as a written request and per law you must address the pertinent issues in law! If you rebut this notice, please contradict the attached preponderance of evidence as to what the Law is and the intent of the President and the US Congress via the right to contract clause agreement The NEW DEAL. I will expect the sale and Auction to be halted immediately and this matter resolved! XXXX. I require the following answers to my reasonable questions and all answers must be answered according to the following requirements. i ) Your answers must be in accord with TILA. ii ) Your answers must be truthful under oath under penalty of perjury. iii ) Your answers must be with a wet-ink signature and title of the representative. iv ) Your answers must be sent with delivery confirmation. v ) Your answers must be in plain, easy to understand language with a definition of all words used in your answers. vi ) Your answers will be reviewed by my attorney. I require your answers within fifteen ( XXXX ) days of your reception of this inquiry. XXXX ) Send your response to me and CFPB agents with delivery confirmation. I require answers to these questions because I believe that your bank has committed fraud against me per the information disclosed in the Federal Reserve Bank publication previously referenced. If what is disclosed by the FRBs publication is true, then there can be no question that fraud has been committed by your bank against me using my tradename-estate and identifiers. There is a commercial maxim of law which states, Fraud vitiates all contracts, rendering all moot. When fraud vitiates a contract, the contract no longer exists. Furthermore, any party agreeing to continue within a fraudulent contract after fraud is discovered commits fraud willingly. Sir, I will not participate in fraud. I now believe that no valid contract exists between my tradename-estate and your bank and your disclosure of answers to my expressed questions under penalty of perjury with your wet-ink signature will settle all controversy which now does exist. Should I not receive your written answers to my questions per the instructions of this Affidavit postmarked within fifteen days of delivery confirmation of Affidavit to your office, I will issue to you an Invoice for your action of estoppel by silence for the fee of {$500000.00} United States Dollars per estoppel by silence and per the instructions of this Affidavit. Said fees shall be payable in full to me within ten days of delivery confirmation of my invoice for fees. I will, additionally, file the following upon public record with our local county clerk of court for public record, as the following will become truth in commerce per your estoppel by silence and absence of a point-by-point rebuttal under oath : XXXX. Your non-response is an estoppel by silence and your bank will owe the stated fee to me on demand by invoice. 2. Your estoppel by silence is your tacit admission to fraud. 3. Your admission to fraud vitiates all existing alleged contracts, agreements, and the like, under the maxim that fraud vitiates all per United States v. Throckmorton ( 98 U.S. 61, 25 L.Ed. 93 ) ; 4. Affidavit will stand as proof that unspecified fraud has been committed against me using my legal trade name and social security number. 5. All aforesaid actions will require a subsequent investigation and audit of your banking practices and release of our correspondences for the protection of the public. Be noticed : should your bank attempt to steal my Private Property, foreclose on my home, etc. ( under the commercial term repossession or recovery or foreclosure ), such actions will be considered as hostile theft of property, unlawful commercial actions subject to prosecution, theft of property without cause, denial of due process, deprivation of rights, and criminal activity pursuant to but not limited to : Title 18 U.S.C 1001 & 1002 False statements ; Title 15 U.S.C 1692 ( E ) Fraud and misleading representations ; Title 28 U.S.C 1359 Loss of jurisdiction by collusion ; Title 18 U.S.C 241 Conspiracy, and 242 Criminal deprivation of rights ; Title 18 U.S.C 1341 Frauds and swindles ; Title 18 U.S.C 1512 Obstruction of the law ; Title 18 U.S.C 3 Criminal participation ( knowledge ) ; et al. Be noticed : any attempt to steal [ foreclose ] on my property will incur a {>= $1,000,000} Fee per Attempt or Actual Occurrence. Said fee will be payable in full upon demand and is subject to be converted from United States XXXX to United States XXXX XXXX at a face value of {$1.00} United States XXXX XXXX XXXX XXXX XXXX at a weight of XXXX XXXX ounces and at a purity of XXXX $ fine silver, with said conversion self-executing at a time of judicial filing of claim and is non-negotiable and is at your willful consent via this notice. You are hereby duly noticed This is a done in good faith and under a patent right.
Company Response:
State: OH
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-12-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-03
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I made a partial payment online. This option says keeps in mind the complete payment must be paid by the due date. I made an {$800.00} payment on XX/XX/XXXX. Mr. Cooper put the payment towards principal only. I told them I wanted it put towards my payment due. They repeatedly told me the issue was resolved and it was not. The last time I contacted them, they told me after we made the payment that was due o. XX/XX/XXXX, they would that the payment I made on the XXXX of XXXX and put it towards the payment due. AGAIN, we were told it was fixed and it is not.
Company Response:
State: OR
Zip: 973XX
Submitted Via: Web
Date Sent: 2022-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-03
Issue: Trouble during payment process
Subissue:
Consumer Complaint: We had our mortgage bought by Mr Cooper Mortgage. A few months later they informed us of an almost {$700.00} a month increase in the payments. I tried several times to contact them and have been unsuccessful in finding out why the huge increase. No explanation, unable to get an answer. Very difficult to deal with.
Company Response:
State: FL
Zip: 33844
Submitted Via: Web
Date Sent: 2022-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-03
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Mortgage servicer - Mister Cooper XXXX XXXX company- XXXX XXXX servicer failed to pay the home insurance premium before the policy expiration date ( XXXX ). Mortgage servicer had all the necessary information to pay the premium before the policy expiration date. They failed to fulfill their responsibilities. Policy lapsed on XXXX. I called Mister Cooper on XXXX and demanded that the payment be made on that date. The agents at Mister Cooper lied and stated that they were unable to make the home insurance payment to XXXX because they were unsure of the payment amount. Mister Cooper agents noted that they called XXXX on XXXX but XXXX was unable to specify the payment amount.
Company Response:
State: TN
Zip: 372XX
Submitted Via: Web
Date Sent: 2022-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-03
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Following a lengthy legal process with Nationstar Mortgage, my loan was transferred to Mr. Cooper, my current loan servicer, beginning XX/XX/XXXX. Since that time, Mr. Cooper has engaged in a wide range of predatory practices in servicing my loan. I am worried that their actions, which deviate from the agreements made in my contract, will result in another long legal battle for my home. The most recent incident involves my XXXX mortgage payment. The amount of {$2500.00}, was applied to my online bill account on XX/XX/XXXX. I am enrolled in auto-debit so Mr. Cooper typically automatically takes from my personal checking account. I checked my personal account on XXXX to ensure payment was made and saw the full amount charged to from Nationstar, doing business as Mr. Cooper. Additionally, I called Mr. Cooper on a recorded line on XX/XX/XXXX, where they confirmed that payment was applied to my account and went thought without issue. Understanding this, I fufiled other bill obligations, under the assumption that my mortgage payment was competed for the month of XXXX. It was not until I checked in ahead of my XXXX payment on the XXXX that I was informed Mr. Cooper infact did not debit my account, and failed to debit by account at any point within my contractually obligated grace period which is a period of 17 days after the contractual due date. As a result, Mr Cooper billed me for a new amount of {$5000.00} without an itemized explanation of the new charges. This is in addition to the XXXX mortgage bill of {$2500.00} that was separately applied to my account. As it currently stands, I am unpaid for the month of XXXX because of this situation. Note : Upon further inspection, I discovered Mr. Cooper assessed a payment reversal on XXXX the same day the bill was applied and my account was debited. I believe it was applied recently and backdated for XXXX.
Company Response:
State: NY
Zip: 11203
Submitted Via: Web
Date Sent: 2022-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-03
Issue: Trouble during payment process
Subissue:
Consumer Complaint: On XX/XX/2022, I submitted a complaint against Mr Cooper in regards to my mortgage. You can review the details of that complaint in my complaint history. This is now the 2nd complaint with the same types of issues, however there are new issues to bring to your attention. Starting from XX/XX/2022, I advised Mr Cooper that they continually misapply payments on my account and process those payments as additional principle. The supporting accounts statements will show this to be true. I will also be submitting screenshots of statements on their website that attest to how those payments should be processed when an amount due shows on the account. They consistently do not apply payments properly and the only thing I receive are excuses as to why they can not process payments correctly. I have now sent in 6 separate messages in a two month period in regards to the same issues. I have called 2 separate times regarding the same issues. The final straw is the letter received on XX/XX/2022, in which they state that my homeowners insurance has expired and they plan on purchasing insurance for me. Further in the letter, they state that they have it in their records that I elected to pay the insurance directly rather have it in the escrow account. The screenshot that I am including proves otherwise and states the date in which the payment should've went out to the insurance company. It is clear that Mr Cooper is unable and unwilling to handle this mortgage properly and to my standards.
Company Response:
State: WA
Zip: 98208
Submitted Via: Web
Date Sent: 2022-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-03
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I am writing to file a formal complaint over the changing of the terms of my loan following Mr. Cooper purchasing the loan in XX/XX/2022. My loan was serviced by XXXX XXXX almost 2 years until XX/XX/2022. In XXXX of 2022 XXXX XXXX removed PMI from my loan. When I received the escrow analysis completed by XXXX XXXX in XX/XX/2022, I called to inquire, and they stated to me that PMI was being removed due to the loan/value ratio and the substantial appreciation during the pandemic. When Mr. Cooper purchased my loan, I called in XX/XX/2022 and spoke to a Mr. Cooper representative and was informed verbally that there would be no PMI on the loan. It has recently been verified for me by a Mr. Cooper representative that there are internal notes documenting that conversation. I recently learned that Mr. Cooper staff later changed their minds and decided to add PMI back to my loan in XX/XX/2022. I have been charged 12 payments of PMI since XX/XX/2022 out of my escrow account. This changing of the terms of my loan after it was purchased is unacceptable!
Company Response:
State: CA
Zip: 95608
Submitted Via: Web
Date Sent: 2022-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A