Date Received: 2022-12-03
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPLE THIS IS NOTICE TO XXXX XXXX dba President for MR. COOPER and XXXX XXXX dba Chief Financial XXXX for MR. COOPER and agents for MR. COOPER. All public officers must have a Oath of office. The Oath is to protect and defend the United States Constitution bill of rights " We the People ''. This is my Affidavit Statement and is in accordance with Title 28 USC 1746 ( 1 ) I declare ( or certify, verify, or state ) under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. As my witness to this affidavit to CFPB agents are hereby put on notice to seek the answers to my questions that have NOT been answered since the Alleged Loan was assigned to MR COOPER In July 0f 2022. I, a living man on the land come in Peace and stand with the united States peace flag. I accept all offers upon proof of claim. I only seek the truth and corporate public servants who ignore their accountability as mandated in article 8 Ohio bill of rights have by their silence and failure to fully inform the people of the consequence 's arising from the corporate offer to contract is deemed and inducement by fraud. About 7 months age my mortgage was assigned to NATIONSTAR MORTGAGE LLC dba MR. COOPER GROUP. I have sent numerous emails and letters to MR COOPER agents and all correspondence has been unanswered. I am ordering CFPB to investigate and look into this matter immediately. I believe 'NATIONSTAR MORTGAGE LLC dba MR COOPER GROUP has not brought forth a valid claim. I believe this action is brought forth under color of law. As CFPB are the protectors and are to defend the constitution of the United States. I as the living man with my God given Rights " OBJECT '' to this Alleged Foreclosure complaint. As I'm Under duress, threat, and force of fear for my life, liberty and the pursuit of happiness. This Notice is brought to CFPB in good faith and is given for patent right, without recourse, all rights reserved. Here are some questions that I have been unanswered and in accordance with law are required in a billing dispute with a third-party debt collector that must have burden of proof to bring forth an action against the Consumer. 1. So, how can a corporation that has NOT produced a valid accounting of the off/on book entry ledger in accordance with the Truth and Lending Act, Fair Debt Collections practices and the UCC 9-210 signed under oath, notarized in accordance with Title 28 USC 1746 put my private property up for auction on XXXX and XXXX XXXX XXXX estate XXXX XXXX. The XXXX copy of the Deed of Trust and Promissory Note are not certified and not signed under penalty of perjury. I question the Authenticity of these documents and order NATIONSTAR MORGAGE LLC dba MR COOPER to bring forth the Wet ink Autograph originals. XXXX. I also order NATIONSTAR MORTGAGE LLC dba MR COOPER to bring forth the Original Contract that between NATIONSTAR MORTAGE LLC dba MR COOPER and the living man. ( Meeting of the minds to be a valid contract ). XXXX. I order NATIONSTAR MORTGAGE LLC dba MR COOPER bring forth the accounting and show CFPB what was actually " LOANED '' the living man. Prove What " Money '' was loaned " Lawful '' or " Legal ''. ( Check Book entry Credits ). XXXX. Was the money that was loaned to me from another depositor 's existing deposit in depositor 's accounts, as I assumed, or was the money " loaned '' to me created by my " Signing an instrument '', thus " creating '' the money that was formerly non-existent within your bank? XXXX. If the money was not loaned from another depositor 's existing account deposits in your bank, did the money loaned to me exist as an asset of your bank prior to my " loan '' creation? XXXX. Did the money that your bank allegedly " loaned '' me exist ( as I assumed it did prior to my signing an instrument with your banking institution )? XXXX. If the money loaned to me was money other than depositor 's account money, such as bank assets, will you provide me proof of the transaction with a copy of the accounting ledger showing the existence and transfer od said money from the bank 's asset accounts to the payment instrument or account which funded my loan? XXXX. Did your bank create, at any time, any hidden account of deposit in my name/or in the name of this alleged loan for the total amount funded that was held, or is being held, by the bank without my knowledge? XXXX. Upon an Instrument to be deposited in your bank are you required to follow ( GAAP ) Generally Accepted Accounting Practices? Title 12 USC 1831. 10. When a consumer makes a deposit of an instrument in your bank if you follow ( GAAP ) Generally Accepted Accounting Practices the bank is supposed to give credit for the receipt of the note, draft, check against a deposit account? This is just little introduction of the questions I have for the Agents at NATIONSTAR MORTGATE LLC dba MR COOPER. If you do not respond to CFPB with a sworn statement under oath and witnessed by a notary, it will be refused, and you have accepted my affidavit as truth and you have no valid proof of claim. As the Agents at CFPB has the authority to collect under the law for bringing a false claim under color of law.
Company Response:
State: OH
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-02
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have spoken with the company along with disputing it. XXXX and XXXX has correct but transition continues to make me dispute and send results 30 days later saying the information reported is correct. It had caused my credit score to be low.
Company Response:
State: TX
Zip: 77088
Submitted Via: Web
Date Sent: 2022-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-02
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I made an additional principal payment to Mr. Cooper ( the mortgage company ) in the amount of $ XXXX. They received and cashed the check on XX/XX/2022, however they only applied {$78000.00} to principal on that day. The remainder of {$1600.00}, they held in their own hands and then applied it to principal and interest on XX/XX/2022 as if my normal monthly payment. Thus, I paid more interest than I was required to pay. I let them know this. They refused to back date the {$1600.00} to XX/XX/2022 ( when they received it ). I have screen shots saved of the chat dialog with them denying satisfactory resolution.
Company Response:
State: AL
Zip: 363XX
Submitted Via: Web
Date Sent: 2022-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-02
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: XX/XX/2022, I applied for the XXXX XXXX program. I am in an active bankruptcy. Definition of XXXX : PROGRAM OVERVIEW : Up to {$75000.00} per household for expenses which may include : Mortgage reinstatementEscrow shortagesDelinquent property taxes and XXXX dues/feesMunicipal or property tax liensMortgage payments, including principal, interest, taxes, and homeowners insurance XX/XX/2022 : Mr. Cooper received a letter from XXXX asking if Mr. Cooper would accept funds from the XXXX XXXX XXXX Mr. Cooper has verbally confirmed & documented they accidentally sent a letter to XXXX objecting to receive funds which would allow me the benefit & right to participate in the XXXX XXXX program. XX/XX/XXXX, Mr. Cooper 's bankruptcy 's dept rep specificly told me they do not object to receiving fund from the XXXX program or any HAF programs and asked me to obtain a letter from my bankruptcy attorney agreeing to their participation of the XXXX program, to support Mr. Cooper 's acceptance of the XXXX program. Mr. Cooper promised to correct their error by sending a letter to XXXX specificly stating that they " did not '' object to the XXXX program and will participate with receiving funds. I regularly sent emails and follow up calls during ( XXXX XXXX ) to ensure that Mr. Cooper made good on their promise to remediate their error. Unfortunately I was disappointed to know that the specific letter Mr. Cooper promised to send was never sent to XXXX and XXXX stated that as of XX/XX/XXXX, I was denied the XXXX program because Mr. Cooper failed to send XXXX the coorespondance to overturn the objection that was inadvertently was sent error, as promised to me. ( recorded calls are available ) As of today Mr. Cooper has stated that they are trying to remediate the problem they created in XXXX and that I am now to contact XXXX not Mr. Cooper for status on the XXXX status. Mr. Cooper 's negligence, admitted error, failure to resolve timely ( timeline XXXX - XXXX ), and significant impact to jeopardizing my receipt of state assistance during my hardship is unacceptable, I also believe their actions maybe discriminatory and the process has been extremely exhausting and stressful for me and my family. I am requesting an investigation of Mr. Cooper 's actions and remediation with a desired outcome to compensate me the amount of funds I would receive from the XXXX program as described in the " XXXX XXXX XXXX '' as listed above. I must state that I have spoken with over 10 representatives over the past 5 months from Mr. Cooper all on recorded lines and have also sent written correspondence. All have confirmation that Mr. Cooper never objected to my participation in the XXXX program and they would resolve within 7 days. Everytime I would ask a rep when would the letter confirming Mr. Cooper 's participation/acceptance would be sent to XXXX, to resolve Mr. Cooper 's error the response was always " a letter will be sent within 7 days. '' I have been told that a letter will be sent within 7 days since XX/XX/XXXX. I have diligently followed with Mr. Cooper and XXXX up every 2 weeks since then. I am now being told to just wait and follow up with NJFMA with questions regarding the XXXX decision. This is unfair because the XXXX decision is based on the service 's response. How can this be when the error was with Mr. Cooper. More importantly I am very concerned that I am in jeopardy of loosing my XXXX XXXX and Mr. Cooper is demonstrating unfair Mortgage practice. Your assistance would be greatly appreciated. XXXX XXXX
Company Response:
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-02
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have spent well over a dozen hours on the phone with this company over the last 4 months trying to get to the bottom of my loan modification. They have collected payments and misapplied them. They have threatened me countless times with adverse actions even though they can not accept my payments for my loan. Then they ask for several months immediately in order to avoid more adverse actions. If I didn't know any better, I would think they are trying to force me into foreclosure! I am still after 4 months waiting for this to get clarified and to find out just how much money they want to extort from me now and what it will take to finally get current on the loan they took 4 months to process. Now they are showing me past due 60 days and 3 payments... they have 2 payments as " unapplied funds. '' They can not tell me what they have done with the payments I have made other than " just wait and give it a few days. ''
Company Response:
State: NV
Zip: 89130
Submitted Via: Web
Date Sent: 2022-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-01
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: During XXXX the mortgage for our home at : XXXX XXXX XXXX XXXX, XXXX, MT XXXX was approved to be in the pandemic forbearance plan for several months. After approximately 6 months of the program, we were confused and not understanding the loss mitigation options available ( as documents were lost in the mail that were sent to us ), so in XX/XX/XXXX we re-instated all past due payments and brought our loan current. In XX/XX/XXXX ( the mortgage loan holder 's wife/spouse, XXXX XXXX XXXX XXXX was diagnosed with XXXX XXXX XXXX XXXX and many major medical expenses were accrued. We continued making normal monthly payments XXXX through XX/XX/XXXX, until desiring to attempt the pandemic forbearance plan again in XXXX. We stayed in the pandemic forbearance plan from XXXX through another 3 months before being informed that we had met our maximum allowed months of the pandemic plan. This was confusing for us, since when we re-instated past due payments from the pandemic plan in XXXX we were under the impression that those months of payments wouldn't count towards the limit. Additionally, we were angry and shocked to learn the the normal payments we resumed XXXX through XXXX of XXXX were also considered used months towards the maximum 12 months allowed of the pandemic forbearance plan. In XXXX of XXXX we requested a refund of the 4 months of normal payments made ( XXXX through XXXX ), since it didn't make sense for us to make payments but also use up 4 months worth of pandemic forbearance assistance. ( Not financially logical or beneficial to us ). We were told that the 4 months could be refunded but the modification offer being presented at that time would be cancelled and the loan servicer would have to re-do one to adjust for the refunded payments ( we received approximately $ XXXX back in our payments ). The modification offer that was declined ( per the instructions of the loan servicer we spoke with ), would have included a partial VA claim ( in the form of a interest free loan ) would have helped incredibly with lowering our monthly payment and making our mortgage affordable. We only declined that modification offer due to the explanation of the loan servicer we spoke with based on her instruction to receive the refunded months of payments XXXX through XXXX, and that a new modification would be similar but simply re-calculated. To our horror, the new modification offered is nothing close to our normal monthly payment. When calling and asking why this XXXX modification offer is calculated so high we were told that the VA partial claim funds were no longer available. Had we known that the VA partial claim funds would not be offered in the 2nd modification offer, we would have never declined the XXXX offer ( in lieu of accepting a $ XXXX refund of payments for the months of XXXX through XX/XX/XXXX ). We feel that we have not been given all the pertinent information that was necessary to make informed decisions during the many steps of the pandemic forbearance relief/modification process. In addition, when asked to provide proof of XXXX 's XXXX XXXX, special applications for hardship consideration and medical statements, nothing has been communicated or explained as to why we're not being offered lower monthly payments or assistance for the major medical issues.
Company Response:
State: MT
Zip: 59901
Submitted Via: Web
Date Sent: 2022-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-02
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I brought a home from a builder and he would not approve me for the home, so he sends me to one of his preferred lenders and they approved me for the home after they tacks on about {$2000.00} more dollar of the originally price but quickly sold my loan to another mortgage company Mr. Cooper the next month. I had been in the hone almost 8 months when they said I paid too much money in my escrow so they did a risk analysis and refund me almost {$2800.00} and the next month I got a bill for {$4000.00} ( MUD ) and {$6500.00} ( taxes ), they said I had a {$11000.00} shortage and the money already in my escrow they are saying I can't use it toward my shortage. I am short because they didn't do their job finding out how much taxes I owe my house for this year before they refunded me the majority of the money back that was in the escrow. I have given them over {$7500.00} and the {$3100.00} in my escrow account they are saying I can't use that money toward my shortage, but they are paying my FHA and my Hazzard Insurance, but I can't use that money toward my taxes. they did another risk analysis, and my new mortgage payment is {$2600.00} if I don't pay the shortage. If I do pay the shortage my new mortgage will be {$1400.00}. The first year i was {$1200.00} and that when they said i was paying to much and refund me the {$2800.00} and drop my mortgage to {$910.00} and a month later, I find out I owe {$4000.00} ( MUD ) & {$6500.00} ( taxes ) and if I don't pay the shortage my mortgage will be {$2600.00} for XXXX XXXX I have sent them {$7500.00}, and right now I have {$8800.00} in my escrow, but they have paid out {$930.00} for my hazard insurance and {$92.00} for FHA in XXXX and XXXX so they are still using money out of my account, but they said I have to pay the whole shortage of {$11000.00} and i still owe {$3700.00}. After I did the math, I calculate I owe {$2800.00}. but they paid my hazard insurance and the FHA and i still have to make up the money they spend, they are not willing to deduct that form the shortage and I can't use the money in my escrow to pay the shortage when i am putting money in my escrow to make up the shortage. What they are saying is not matching up to what they are doing. How can that be. I shouldn't even be paying FHA because I put {$200000.00} down on a {$340000.00} house. they charge me an extra {$200.00} for going FHA the previous lender so I only finance {$140000.00}. I put all my money into the house, and they are trying to steal my house from me or make it difficult for me to afford it.
Company Response:
State: TX
Zip: 77365
Submitted Via: Web
Date Sent: 2022-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-30
Issue: Trouble during payment process
Subissue:
Consumer Complaint: In XXXX of XXXX XXXX became my mortgage company. In XX/XX/XXXX Mr. Cooper preformed a escrow review, this review stated I had a SURPLUS of {$130.00} and that my new monthly payment for XXXX would be $ XXXX according to the loan history the house insurance and the property taxes had not been paid yet. So I applied the surplus to principal. Then in XX/XX/XXXX, Mr. Cooper conducted another escrow review, this one showed a SHORTAGE of {$44.00}. This review also told me that starting XXXX XXXX that my monthly payment would increase to {$530.00} to cover this shortage. According to my SECURITY INSTRUMENT and the Real Estate Settlement Procedures Act ( RESPA ), I should have been given a chance to pay this shortage in full, or have it added into my monthly payment. Since Mr.Cooper did not provide me with a coupon or payment slip, I wrote a separate check ( # XXXX ) and wrote on the check that it was for the escrow shortage, and mailed it with my XXXX payment. I could not mail it with my XXXX payment ( escrow review statement was dated XX/XX/XXXX ) and was not received until after XXXX payment was mailed.On my XXXX statement I noticed that Mr.Cooper had taken the escrow shortage check and applied it to principal, I further noticed that Mr.Cooper did not reduce my monthly payment back to the {$530.00} and that they took {$6.00} from the {$17.00} extra principal payment that I was making as well. So in XX/XX/XXXX, I started sending just the {$530.00} monthly payment. In XX/XX/XXXX, I received yet another escrow review from Mr. Cooper, this one stated I had another SURPLUS of {$10.00}. Again Mr. Cooper arbitrarily lower my monthly payment without asking me how I would like to do with this surplus. Then on my XX/XX/XXXX, I noticed I had a {$19.00} overdue payment so I called Mr.Cooper asked them how this could be when Mr. Cooper stated in XXXX I had a SURPLUS? After all of this it was not until I wrote to mr. Cooper and stated thar beginning XXXX XX/XX/XXXX, that I would start paying my own escrow items and I would send them just the principal and interest portion of my loan. Mr. Cooper responded back to me by stating I can not do this because my loan did not meet the loan-to-value ratio of 80 % or less as stated in the RESPA. I looked into the RESPA and could not find anything about a loan-to-value ratio in it. Because Mr.Cooper has violated my rights in contained within the Mortgage Security Instruments of my loan and also Section XXXX of the RESPA I am asking you to help me with my request to be able to pay my own escrow items. This has been an on going issue for over a year with Mr.Cooper and is affecting my health and needs to be resolved now. My account number for Mr. Cooper is # XXXX Mr.Cooper address is : XXXX XXXX XXXX, XXXX, Texas XXXX Phone number : XXXX My address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ok XXXX Phone : XXXX Thank you.
Company Response:
State: OK
Zip: 744XX
Submitted Via: Web
Date Sent: 2022-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-30
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I am having difficulty with this company saying that I do not have hazard insurance. After my last complaint, they have changed the claim and said that I do not have flood insurance. Prior to this, the company had never asked me to get flood insurance. However, I did go out and purchase {>= $1,000,000} worth of flood insurance. The purpose of this complaint is to ensure that the company admits that I have bought this flood insurance and reanalyze my mortgage amount to reflect the removal of the forced placed flood insurance that I bought. I faxed in proof of this insurance on or around XX/XX/2022. In addition, I am uploading a copy of the declaration page and insurance material with the complaint. I file this complaint, as the executor of the estate of XXXX XXXX XXXX XXXX XXXX # XXXX
Company Response:
State: LA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-30
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: We officially filed a complaint and thought it was resolved permanently. I was finally able to make a payment in XXXX. Then XXXX rolls around and I am getting the same calls stating high debt, were delinquent and we need to call. I have proof our last complaint was excepted. They did not correct their system therefore we cant make a payment for XXXX. Tomorrow is officially XXXX so we will be marked behind, have to talk alternate solutions and this is creating severe anxiety for me. I have left several messages for XXXX XXXX to return my call and have documents of days and days of emails and calls with no solution. Supervisors are being asked to turn on a button and they wont. I feel this is becoming out of our hands I am requesting legal support and help at this time. We want the payment button on asap and a personal call stating the issue has been permanently resolved. I dont want to be charged late fees, have my XXXX XXXX dinged and I want the company to honor the modification deal as previously stated they would in the last investigation. I also want written response to my legal choices if we pursue a claim against Right Path. We also need to figure out a fair requirement on how I proceed to make any payments held up due to your technical error of a button not working. This is the companys fault once again and they need to be held liable.
Company Response:
State: AZ
Zip: 85308
Submitted Via: Web
Date Sent: 2022-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A