Date Received: 2022-11-11
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My mortgage is being serviced by XXXX XXXX since XX/XX/XXXX. XXXX, I did a cash out refinance ( {$250000.00} ) with XXXX XXXX XXXXXXXX. The terms of my 5/6 Adjustable Rate Promissory stated, 10 years interest only payments, the first 60 months paid are fixed interest only payments while interest only payments only 61-120 have the potential to adjust every 6 months for the life of the loan. Payment 121, interest only no longer applies and repayment is to include the principle amortized over 20 years/240 months. The Note holder is responsible to amortize the principle and interest in a manner that sufficiently calculates repayment of the mortgage in full within the time limit on the Note. No balloon exist. My Loan was serviced by Aurora Loan until XXXX. I do have complaints against AuroraLoan for mis management of Escrow and not applying payments accordingly, I will not elaborate in this complaint against Mr.Cooper even though there are one company. XXXX, Mr Cooper/Nationstar became the new loan servicer until XX/XX/XXXX. In XXXX, ( unbeknown to me at that time ) Mr. Cooper began to move my monthly mortgage payments into an " unapplied funds '' status, never applying or crediting the " unapplied funds '' to reduce the principle or interest balance of the mortgage. The following amounts listed below are the total amount of " unapplied funds '' taken annually from XXXX and not applied to my mortgage. I would also like to address missing payments that Mr. Cooper documented, not paid during Covid 19 forbearance totaling an exaggerated {$26000.00}. I 13 missed payments. Mr. Cooper returned my bank wire payment {$6200.00} in XXXX. I was attempting to give the money back to Mr. Cooper because 2 months prior to my homeowners insurance policy expiring, I sent a letter explaining I switched companies and have already advise current company of such changes and to cancel renewal. In my letter to Mr. Cooper I also advised that the current policy that I purchased was paid in full. Mr. Cooper sent both companies a payment sufficient to secure both policies for the year. Again I sent letters and tried to return the additional payments to Mr. Cooper, however my monies were rejected and sent back to my bank account.Mr. Cooper gave no reasonable explanation why my payment was refused. UNAPPLIED FUNDS. # of PAYMENTS MADE -- // -- MISSED XXXX -- {$68.00}. XXXX XXXX XXXX -- {$1100.00} XXXX XXXX XXXX -- {$400.00} XXXX. XXXX XXXX -- {$480.00} XXXX. XXXX XXXX -- {$53.00} XXXX. XXXX XXXX -- {$1200.00} XXXX XXXX XXXX -- XXXX XXXX XXXX. XXXX XXXX -- {$3200.00} XXXX {$6600.00} Total of unapplied funds taken and not applied to reduce the balance of my mortgage principle. Mr. Cooper purchased Lender forced placed insurance ( cost {$1600.00} ) in XXXX, for the same year in which they mailed out 2 insurance payments, ( XXXX {$680.00} & XXXX {$22000.00} ). They never credited my account or refunded back the {$1600.00} that was taken from a monthly mortgage payment to satisfy the unneeded homeowners insurance policy.
Company Response:
State: CA
Zip: 94545
Submitted Via: Web
Date Sent: 2022-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-10
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Plaintiffs claim is that Nationstar Mortgage LLC are attempting to collect a debt on a fraudulent contract entered into by the Plaintiffs and XXXX Bank XXXX. on XX/XX/XXXX. This mortgage/promissory note has been disputed and the Nationstar Mortgage XXXX and XXXX Bank XXXX N.A. have refused to answer the Plaintiffs request for validation of debt, proof of Defendants being the holder of the alleged mortgage note and proof that the original contract with XXXX was not fraudulent as alleged by the Plaintiffs. Attached is the Affidavit of Truth Affecting Realty which was sent to the Defendants on XX/XX/XXXX and filed with the County Register of Deeds on XX/XX/XXXX. The Plaintiffs sent a second Notice of Demand for Payment on XX/XX/XXXX for the illegally collected debt payments of {$140000.00} which the Defendants have not paid. The Plaintiffs sent a NOTICE OF DEFAULT CERTIFIED JUDGEMENT OF UN-REBUTTED AFFIDAVIT on XX/XX/XXXX to the Defendant, Nationstar Mortgage XXXX. Nationstar Mortgage XXXX are alleging that the Plaintiffs owe {$190000.00} and are putting the property for public sale on XX/XX/XXXX. The Plaintiffs not only dispute this claim by the Defendants but request that the sale be halted and the Defendants provide the court with proof that the original contract/mortgage/promissory note is in fact lawful. The Plaintiffs demand that because the Nationstar Mortgage LLC and XXXX Bank N.A. have not proven that a debt is owed and have defaulted on the Certified Judgment of Un-Rebutted Affidavit, the Defendants must send a Certificate of Satisfaction, a Final Mortgage Statement that is zeroed out and an official letter from Nationstar Mortgage LLC declaring that the mortgage is paid off and the return of the cancelled promissory note to the court and to the Plaintiffs.
Company Response:
State: MI
Zip: 49418
Submitted Via: Web
Date Sent: 2022-12-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-11
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: XXXX XXXX sent a debt collector notice/debt validation letter that was received XX/XX/2022. My reply to the debt validation notice was immediately replied to on XX/XX/2022 indicating that the debt was not valid. My notice required 30 days for XXXX to send me proof of the debt, but they immediately put my mortgage up for foreclosure auction before their sending me their proof of the debt. I have verification that the loan that XXXX XXXX is trying to collect on is fraudulent and I believe they are trying to avoid my suing them in court because they know that the loan is fraudulent and are looking to sell the mortgage note to get out from the unlawful debt.
Company Response:
State: MI
Zip: 49418
Submitted Via: Web
Date Sent: 2022-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-11
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I have been through many hardships due to the pandemic. Since the pandemic started I have lost four family members over the course of the last two and a half years. Also, I was in a very bad XXXX XXXX which caused me XXXX XXXX After replacing the car as it was not salvageable the next car caught on fire. This caused many unexpected expenses between helping with funerals, traveling and payment auto insurance deductibles. My grandchildren gave my wife XXXX and it was a very bad case and I was the primary caregiver. During this time I tried to keep in touch with my lender to try to save my home. I was told very different stories from each representative at each servicer I was transferred to. At the beginning of the pandemic my loan was with XXXXXXXX XXXX, it was then transferred to XXXX, I was then transferred to Community Loan Servicing, I was then transferred to Nation - XXXX XXXXXXXX, I was then transferred to Mr. Cooper and then to Rightpath. None of the servicers sent my information to the new one, XXXX XXXX XXXX sent me a modification that was not honored once the loan transferred. Also, I paid XXXX XXXX XXXX {$7000.00} and then I was told my loan had already transferred and the money is lost. Also, when my loan was with XXXX I received a call from XXXXXXXX XXXX on my caller ID and sent {$2000.00}, XXXX then told me they did not receive it. Rightpath has now denied me a modification. I have an FHA loan and I believe Rightpath is obstructing me from accessing available assistance.
Company Response:
State: FL
Zip: 33458
Submitted Via: Web
Date Sent: 2022-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-10
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I submitted a complaint yesterday about Mr.Cooper Mortage company I closed on a house XX/XX/XXXX and they put a 30 day payment on me I talked to my Mortage company who Im trying to get financing from and they told me to also put they have pulled the history and Im 14 years I have never been late on my mortgage with them Please help me in getting this taken off so I can buy a home for my family and its not fair
Company Response:
State: GA
Zip: 30705
Submitted Via: Web
Date Sent: 2022-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-10
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My taxes are escrowed. Received delinquent notice for town tax payment on XXXX stating that town tax was not paid as of XXXX. Contacted Mr. Cooper on XXXX and the representative instructed me to send the delinquent notice to XXXX. I sent the delinquent tax notice to the email address on the same day XXXX, included name and property address and loan number as instructed. I called Mr. Cooper on XXXX to inquire if the delinquent town tax was resolved. I was told that I need to wait until 7-10 business days after sending the email with the delinquent notice to them and to call back then. On XXXX ( 10 business days after XXXX ) I called Mr. Cooper to inquire if the delinquent town tax has been resolved. I was told that the tax was paid in XX/XX/2022 ( which my account shows the disbursement back in XX/XX/2022 ). I told them that I sent them the delinquent notice as instructed on XXXX since it was not paid as of XXXX, so the need to take care of this. They asked me the amount and parcel number on the delinquent notice, which I answered. They asked me to email the delinquent notice to XXXX, at which I responded this was ALREADY SENT XXXX, and apparently no one has done anything with it. Delinquent notice indicated that this will be sent to collections if the town tax is not paid. Mr. Cooper has not done anything to resolve this issue.
Company Response:
State: PA
Zip: 18017
Submitted Via: Web
Date Sent: 2022-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-12
Issue: Trouble during payment process
Subissue:
Consumer Complaint: For close to 10 years My mortgage has been bought and sold a bunch of times and the payment was always around $ XXXX {$1800.00}. I refinanced with my lender ( at the time ) for a better interest rate. That was the end of XXXX. Fast forward a few months later and MR Cooper bought my mortgage. Kept the same {$1800.00} payment for a few months Then all of a sudden a letter comes and they are raising my payment to {$2400.00}. An increase of {$580.00} per month. It seems really excessive .taxes and ins didnt go up that much. They are impossible to get a hold of. They did another escrow analysis and now my payment in the new year is {$2300.00}. Still a huge increase to what I was paying for close to a decade. I have baby twins and a toddler so this payment is really impacting me negatively.
Company Response:
State: PA
Zip: 19083
Submitted Via: Web
Date Sent: 2022-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-09
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Oveer the past 3 minths I have called, chatted and spoke with representaives from MR. COOPER home loans. They acquired my loan from another company in early XXXX and have misposted more than XXXX transactions that have resulted in my being assessed fees that are incorrect. I wrote them on XX/XX/XXXX, XX/XX/XXXX and again today XXXX. Between those wrtitings I chatted with at least 6 different agents and all told me they would take action on my concerns. I have attatched a download of the files on my account and added a far right column that notes my payments from my credit union account to MR COOPER.
Company Response:
State: NV
Zip: 89521
Submitted Via: Web
Date Sent: 2022-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-09
Issue: Trouble during payment process
Subissue:
Consumer Complaint: We purchased our home in XXXX XXXX XXXXXXXX. Mortgage via local firm XXXX XXXX XXXX XXXX XXXX of XXXX, mortgage sold to Mr. Cooper ( Nationstar Mortgage LLC. ) On XX/XX/XXXX, I forwarded a a XXXX " Additional Tax Assessment '' letter from XXXX XXXX to Mr. Cooper. On XX/XX/XXXX, I forwarded a notice of unpaid taxes from the XXXX XXXX XXXX XXXX to Mr. Cooper. On XX/XX/XXXX, I forwarded a noticed of unpaid taxes from the XXXX XXXX XXXX XXXX to Mr. Cooper. On XX/XX/XXXX, I forwarded yet another notice of delinquent school district taxes including penalties and fees to Mr. Cooper. On XX/XX/XXXX, I forwarded a notification of unpaid XXXX XXXX Taxes to Mr. Cooper. Today, XX/XX/XXXX, I received notification from XXXX XXXX XXXX, a firm representing XXXX XXXX that there is now a tax lien on my property related to unpaid XXXX Taxes. Upon calling the firm I was notified that there is a second tax lien on my property from XXXX XXXX. I am aware that my initial mortgage payment was based on XXXX taxes and did not include tax increases due to a reassessment that year. I have made Mr Cooper aware of this. In response, they have raised my monthly mortgage payment multi times, from {$1500.00} to {$2200.00}, a substantial increase and burden. We have not missed a single payment. My wife and I are in the process of developing a plan to cover our escrow deficit. In the meantime, we expect that our taxes are being paid. Mr Cooper has been completely unresponsive to this issue. Despite correcting the XXXX XXXX delinquency, they obviously made no effort to correct delinquencies related to XXXX XXXX XXXX taxes, despite being notified of the issues multiple times. We now have XXXX tax liens on our property and this is completely unacceptable. I spoke with Mr Cooper today and demanded action and a call from the escrow department.
Company Response:
State: PA
Zip: 15216
Submitted Via: Web
Date Sent: 2022-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-09
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: My client had recieved some covid assistance in XX/XX/XXXX and XX/XX/XXXX. XXXX liens were filed with XXXX XXXX from the Secretary of Housing and Urban Development. We were able to obtain a payoff for XXXX of the liens, but not for the other one. After many attempts to get the payoff from HUD servicer, I was told that they were not the ones responsible. It was the mortgage servicer that did not properly file the paperwork for HUD to be able to give us the payoff. My client was supposed to close on the sale of his home on XX/XX/XXXX. Myself and the title company have been contactiong Mr. Cooper since early XXXX and now I call almost daily for an update and they can not provide me with any news other than they are working on it. I've asked several times for a manger call back and have never recieved a call back.
Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers
State: TX
Zip: 785XX
Submitted Via: Web
Date Sent: 2022-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A