Date Received: 2022-11-17
Issue: Trouble during payment process
Subissue:
Consumer Complaint: RightPath Servicing has claimed to have obtained insurance on my property, policy coverage from XX/XX/XXXX to XX/XX/XXXX. I have NEVER received proof of this insurance policy, of which RightPath Servicing is claiming I am responsible for paying. RightPath Servicing had claimed, in their first letter regarding my insurance coverage on the property, that I did NOT HAVE insurance, or they had not received proof of insurance. There was no initial mention of the type of insurance coverage they were insinuating my property did not have. The previous servicer had in their possession, proof of insurance that they should have ( probably did provide ) provided to RightPath Servicing. After months of back and forth over this issue and me sending proof of my current policy, RightPath claimed wall in insurance, which is a slang term, was not listed in my master policy. I asked them to explain walls in insurance as I had never heard of that type of insurance. At NO TIME, until just recently, did RightPath Servicing state XXXX insurance is what they were requiring. RightPath Servicing engaged in deceptive practice of clouding the issue in order to prevent me from obtaining this fairly inexpensive XXXX insurance. RightPath Servicing is charging an OUTRAGEOUS amount of money for a policy they claim has been purchased but has never provided any proof of its existence. In a response letter to my complaint, dated XX/XX/XXXX, RightPath Servicing uses the term XXXX as the insurance coverage they claim to have obtained on my behalf. RightPath Servicing claims to have purchased this insurance as of XX/XX/XXXX and is expecting me to pay for said insurance from that date. Correspondence through the CFPB will clearly show deceptive behavior by RightPath Servicing if their claim is true, that they have purchased insurance on my behalf as far back as XX/XX/XXXX.
Company Response:
State: FL
Zip: 33458
Submitted Via: Web
Date Sent: 2022-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-17
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I want to start back making my mortgage payments on time. I want to make my late payments as well.
Company Response:
State: AR
Zip: 723XX
Submitted Via: Web
Date Sent: 2022-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-17
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My home had damage from Hurricane Irma in XX/XX/XXXX. We filed a Wind damage claim with our insurance company in XXXX, within the 3 year window. After almost XXXX years of fighting with XXXX XXXX XXXX XXXX, and going to court settlement, we finally were granted a settlement, with the help of our Roof Contractor, and Public Adjuster we hired during the process. Nationstar Mortgage LLC, DBA Mr. Cooper, is our current lender and we needed them to endorse the check that came from the settlement, so we can start on our roof replacement repair. The check was sent to our lender for endorsement in XX/XX/XXXX. After several weeks of no response or seeing a copy of the endorsed check, it turns out that our lender, Mr. Cooper, lost the check. Our legal counsel had to have the opposing counsel request another check to be cut. After 3 months, a new check was sent out again, for all parties to endorse, in XXXX, XXXX. Then on XXXX, Hurrican Ian hit our home, here in XXXX XXXX, FL, and our home sustained even more damage, and yet we still never got our roof replaced/repaired from a Hurricane that hit in XXXX. Our lender, Mr. Cooper, sent us the check back, not endorsed, stating that the Public Adjuster we hired, couldn't be named on the check, and a new check would need to be cut without their name on it. They state that this is a FNMA rule. We explained to them that the court ordered the check to be cut this way, and a new check couldn't be cut without the Public Adjuster on it. Meanwhile this is all going on, several weeks keep passing, and my roof is still damaged from 2 hurricanes, and my lender is not helping us out, the customer. We are beyond frustrated and exhausted, and feel that our lender doesn't have our best interest in mind, to facilitate and work with us, to endorse the check, so we can actually get our roof repaired. We have XXXX children, several with XXXXXXXX XXXX XXXX XXXX and our lender is at fault for not endorsing the check, so we can make our home healthy and whole again.
Company Response:
State: FL
Zip: 33991
Submitted Via: Web
Date Sent: 2022-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-18
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Hi everyone. I have attempted to pay my monthly 3 times in XXXX. The payment has not gone through. I called XXXX at Mr Cooper to fix the issue and she replied that my payment was returned due to insufficient funds. The account still has XXXX $ in it and my payment is XXXX $? I suspect some sort of tampering going on. Can somebody call Mr Cooper and investigate why after 11 years I am suddenly unable to pay my mosttgage? Thanks XXXX Oh, my loan number is XXXX MR COOPER contact number is XXXX XXXX ask for XXXX. She says I had insufficient funds. This is incorrect and the money was attempted from the correct account. THEY ARE NOT PROCESSING MY PAYMENT. They are being deceptive about something, by telling me I had INSUFFICIENT FUNDS.
Company Response:
State: WV
Zip: 254XX
Submitted Via: Web
Date Sent: 2022-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-15
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have Mr Cooper and they just charged me with lapse in insurance after they refused to accept my new issurance and failed to tell me that. I thought I had the insurance paid and they sent the payment to the old insurance company knowing I was switching. They claimed they didn't get the notice from myself OR the cancelation from XXXX. They asked that is be faxed to them in XX/XX/XXXX when I called them. They failed to put this oversight in the system the fist time and now a year later it is corrected as though they had it thus whole time. That is the convience of working there and aand being able to back date. Things. Thank XXXX nothing happened to where I needed to file a claim but that could have been a disaster. Mr Cooper was negligent and when I called and asked what was the letters for I told them I had insurance. They canceled the letters. Now when I went to renew I find out it was NEVER in effect. Now Mr Cooper is blame but I blame them too. I thought it was worked out since the time passed and they would take some responsibility with me but then it was corrected and placed back. Now my house payment is over {$2500.00} and i I OWE $ XXXX in insurance.. How is that taking responsibility? This is unfair practice. They are not taking any responsibility here. They should not handle veteran accounts as they put us in hardship. Mr. Cooper paid my old insurance company even after being notified they were no longer my insurance. They then denied the new insurance company, and failed to notify me of the denial. They will not take responsibility. They have the option to do nothing, pay the insurance coverage, cease the house, or cancel the loan. They choose to only do the lacks coverage instead of doing nothing, and refuse to take responsibility. They notified me this year when I have been disputing for years. The insurance could have been rectified long before now. They were notified by me a well as the insurance company, and chose to do nothing. I'm paying a hefty price, and they continue to do nothing. I am now getting a bill for {$5000.00} for a lap in insurance that Mr. Cooper caused.
Company Response:
State: GA
Zip: 30331
Submitted Via: Web
Date Sent: 2022-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-15
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Mortgage company : Mr Cooper My home was a total loss in the XXXX XXXX XX/XX/XXXX. My insurance company submits my claim payments to Mr Cooper, who should be reimbursing me. My builder bills monthly. Mr Cooper asks that I submit a letter to them every month asking for an exemption to their policy of only paying out quarterly ( which I did, XX/XX/XXXX ). As of XX/XX/XXXX, they are just submitting this to their 'corporate ' to request the exception. I do not have funds to pay my builder. There will likely be late fees. This is unfair practice- to have a payout structure that has nothing to do with the actual business of re-building a home. I am requesting that Mr Cooper release payments to me in a timely fashion, so that I can pay my builder every month.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CO
Zip: 80302
Submitted Via: Web
Date Sent: 2022-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-15
Issue: Trouble during payment process
Subissue:
Consumer Complaint: We received a notification back in XXXX, 2022 regarding a credit on the account. After several months and attempts to inquire about the credit on the account, it has not been received. By now we thought the credit would have been applied to the account. We are asking that you open an inquire regarding this credit on the account.
Company Response:
State: GA
Zip: 30088
Submitted Via: Web
Date Sent: 2022-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-15
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: I sent Mr. Copper a copy of my divorce decree requesting that my name be removed from the mortgage of the home he was awarded as part of our divorce settlement. It has been almost two years and they refuse to remove my name from the mortgage. This could impact my credit negatively is he decides to stop paying the mortgage.
Company Response:
State: MD
Zip: 20774
Submitted Via: Web
Date Sent: 2022-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-15
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Right Path Servicing had originally claimed I did not have property insurance on my home, I had repeatedly sent them proof of insurance. After receiving my proof of insurance and my filing of a complaint, Right Path servicing claimed I did not have XXXX XXXX insurance. XXXX XXXX is not a type of insurance as recognized by ANY insurer. I had filed another complaint and Right Path Servicing was to respond and clarify what, exactly, they meant by walls in. They did not. Apparently, Right Path Servicing has placed an HO-6 insurance policy on my property without affording me an opportunity to do so at a much cheaper rate. Right Path Servicing used deceptive slang in order to cloud the issue and afford them an opportunity to go with a non-proposed insurance policy at my expense. Right Path Servicing is now attempting to force payment by attaching this outrageous insurance fee to my monthly mortgage payment. If Right Path Servicing was requesting the placement of a HO-6 policy by me, they should have made this an obvious request and not proceeded deceptively. I am fully able to obtain a HO-6 insurance policy without such an outrageous fee.
Company Response:
State: FL
Zip: 33458
Submitted Via: Web
Date Sent: 2022-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-13
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I received a letter from my county tax dept. that my taxes were pass due. My mortgage isnt paid off so my taxes should be paid by the mortgage company. I called the mortgage company and it can take them XXXX weeks to research. I have incurred a late fee on top of my county taxes not being paid
Company Response:
State: DE
Zip: 19802
Submitted Via: Web
Date Sent: 2022-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A