Date Received: 2022-11-07
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Hi there, I pray all is well. I applied for a loan modification on my VA home loan around XXXX & XXXX to help resolve the financial hardships caused by XXXX and XXXX XXXX XXXX XXXX. They continue to harass, damage and destroy vehicles and other property, close my debit card ( s ), allow unauthorized charges, change addresses, names, and other information that I never approved of. Additionally, I continue to receive threats & attacks. Also, other gov offices/officials, lawyers, advocates, and other supporters that are aware of these unwarranted attacks are also harassed, threatened, attacked. When the word THEY is used Im referring to the mortgage company/bank and all other parties involved in these attacks, known and unknown. This fact is based on texts, e-mails, mail, calls, and other correspondence and alerts informing myself and other experts reviewing this matter that the attacks and hacks ( cyber attacks ) will continue. One expert claimed after their business system was hacked and money was stolen from their business account that the law enforcement agencies and financial authorities advised they are unable to assist, supposedly, very strange. The latest events are that I have requested multiple times around XXXX ( before and after ) for the mortgage co to provide me with the status on the assistance checks theyve been provided. They claim no assistance have been received, yet the gov office ( s ) /veteran support organization who provided the assistance confirmed payment was sent/delivered/received. Also mortgage co website showed that they have received some assistance funds numerous times but they refuse to provided me with any information, and they claim there were no funds, and that they have not received anything. Numerous times I contacted XXXX XXXX to discuss refinancing/refunding options and they have yet to provide me with adequate information and in most cases they ignore my request altogether. They are playing games. Around XX/XX/2022 they again discriminated against me by rejecting my application after it was already approved. Their move was retaliatory, unjust, illegal, unlawful, unethical, etc. They were put on notice by myself and legal counsel of other related unlawful acts they committed that directly affected and influenced this situation and others. How could and why would anyone trust them. Their employees/staff/management seem to never be on the same page and always provide different/contradictory info and even advise me that the other reps in their organization provided wrong info. Its draining. The hackers advised that they focus on XXXX veterans and elderly and assist the banks and other criminals. Many of the moves the XXXXXXXX XXXXo made against me and other law abiding professionals and offices are unlawful. The hackers/criminals warned me, they even targeted/attacked gov offices/officials, state employees, lawyers, doctors. They claim they can and will hack and attack any and all gov offices that attempt to assist. Subsequently the IRS data was leaked recently, as well as gov project info being leaked/stolen from various offices. On XXXX they changed my address WITHOUT my authorization. Its something nearly everyday and multiple times a day in a lot of cases dealing with them. All I wanted was to do is get my mortgage in good standing but they refuse to allow that. I just really dont want to have anything to do with them ( XXXX XXXX ) because the very fabric of its foundation is built upon fraud, deception, manipulation, treachery, lawlessness, etc.
Company Response: Company believes the complaint provided an opportunity to answer consumer's questions
State: TX
Zip: 75104
Submitted Via: Web
Date Sent: 2022-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-07
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I submitted a letter to the XXXX Credit Bureau XX/XX/XXXX to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. NATIONSTAR MORTGAGE XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}
Company Response:
State: CA
Zip: 92336
Submitted Via: Web
Date Sent: 2022-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-04
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have a problem with my mortgage servicer, Mr. Cooper Mortgage ( formerly known as Nationstar Mortgage Holdings Inc. ) regarding removing the PMI payment. I have paid off enough of my mortgage and own enough equity in my home to have the PMI removed. I have contacted them on the phone and spoken with a representative but my specific issues have not been resolved. Mr. Cooper refuses to remove my PMI even though I own more than 20 % of my home and refuses to accept the following documentation showing this : - An appraisal I pay for - Invoices showing the XXXXmprovements I've made ( Such as installing a $ XXXX solar roof system ). Why can't they accept a new appraisal I make or my documentation showing the new home value? Mr. Cooper is forcing me to pay more than {$300.00} for their own appraisal which they still have not scheduled yet a month after I contacted them. Why can't they respond and explain when the new appraisal is scheduled and why they won't accept an independent appraisal that I pay for? Assuming the issue is settled by the CFPB that I do in fact own over 20 % of my home and did not have to pay PMI, I would like the last few PMI payments refunded. Can the CFPB get Mr. Cooper Mortgage to respond about these 3 specific issues and have my PMI removed? Also, I've attached the most recent letter from them that refuses to give a reason for denying my PMI removal request.
Company Response:
State: VA
Zip: 23222
Submitted Via: Web
Date Sent: 2022-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-04
Issue: Trouble during payment process
Subissue:
Consumer Complaint: The problem is : the Mortgage Company Mr .Cooper and now it they division : Right Path Servises not providing required Statements : Current Mortgage Statement, My Forbearance balance and total I owe with an interest rate in written documents I have to have to Reinstate the Loan and get out of Forbearance. I been trying to get it since XX/XX/XXXX, send them about 5 letters asking remove cease and desist and send me written statement, requested by Housing Counsellor, that they have to have to help me apply for the Grant, to Reinstate the Loan. I file 5 complaint on my account with my mortgage servicer. I have the record of that and number of complaint. They told me those documents does not exist because my Bankruptcy in XXXX. But use to get monthly statements before : like I got on on XX/XX/XXXX, I been calling many times, asked to talk to manager and they always tell me they cant transfer me to manager and they cant do anything. They proposed New Loan Modification that financially way worst then my existing, it same as buying brand new car for bank every 5 years, that for single mother a lot. I want to Reinstate the old loan, pay the Forbearance balance, and they preventing me from doing that, I cant apply for government grant that available to homeowners because I cant get a Mortgage ( Information ) statement from them. I dont know that to do. I need it ASAP!!! Thank You for your help!!!
Company Response:
State: WA
Zip: 98270
Submitted Via: Web
Date Sent: 2022-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-04
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Mr. Cooper has not initiated foreclosure, but threatens to weekly. My complaint is with their tactic of not applying overages towards satisfying outstanding balance on my mortgage, and instead withholding the overage ( partial payment Unapplied ) in a zero-interest escrow account that they wont apply to a Shortage until the complete Amount of said shortage is submitted. In my case, they are sitting on over {$1200.00} they should refund to me. Im going to ask for it back again today as the payment ( w penalty ) is not due for 30 days from XX/XX/22. Im short on cash given they were sent {$2500.00} of my {$3000.00} pension, leaving me little cash for food, utilities, transportation and the like. This is a tactic designed to push me to modify my loan ( which will take XXXX months total to complete ), and foreclose in the meantime. As the nations # XXXX mortgage lender, this company must be scrutinized to a higher degree! They are doing whatever they want and DC seems satisfied to let them proceed! Please, look into their partial payment unapplied scheme?
Company Response:
State: CA
Zip: 95821
Submitted Via: Web
Date Sent: 2022-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-04
Issue: Trouble during payment process
Subissue:
Consumer Complaint: On XX/XX/XXXX Mr. Cooper claimed to have received the only RESPA Notice of Error I have sent them in XXXX dated XX/XX/XXXX. See attached. Nationstar accepted an over charged amount for late fees of {$2800.00} and internally allocated {$11000.00} indicating an inaccurate XXXX late fee payments were made. Nationstar mailed me XXXX false outbound account reports concealing this fact in lines XXXX. XX/XX/XXXX the company 's counsel sent me by email an internal account history claiming XXXX inaccurate allocations of {$2700.00} and XXXX of {$110.00} and I verbally disputed this and XX/XX/XXXX Nationstar again sent their counsel a false claim of these lines being updated in a letter through the mail dated XX/XX/XXXX. I used this statement to rely on to govern myself through court pleadings and XXXX invalid agreements with Mr. Cooper. XXXX through XXXX of XXXX I requested a copy of the account history and received XXXX XX/XX/XXXX and XX/XX/XXXX that disclosed fraudulent concealment of the inaccurate late fee payment allocation that negatively impacts my ability to apply for residential lending. XX/XX/XXXX I noticed Nationstar. They unlawfully acknowledged my clear claims XX/XX/XXXX stating falsely they received the RESPA notice XX/XX/XXXX. Mr. Cooper as of XX/XX/XXXX has ultimately failed to claim no error exists, failed to respond within the 30 days of the XX/XX/XXXX notice or within 30 days of their claim of receipt of the valid RESPA Notice of ERror in payment allocation, leaving unearned never performed lender fees of {$2000.00} sitting in a still currently open suspense account and leaving {$11000.00} allocated toward deferred and current late fee payment when Mr. Cooper accepted an over charge without refund of {$2800.00}.
Company Response:
State: OK
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-03
Issue: Trouble during payment process
Subissue:
Consumer Complaint: We have a mortgage that was purchased by Mr Cooper mortgage. We have been paying the same monthly payment and escrow for nearly a year and all of a sudden they increase the monthly payments by over {$600.00} a month. I called to see why and was told that they would not talk to me because the mortgage is under my wife 's name. In reality I am legally involved and have access to the account. I had to complain to they on one of their surveys to get a response. They called and apologized but would still not tell me why there was an increase. They sent material by email that was encrypted and could not be opened. I still do not know why they have increased payments so much.
Company Response:
State: FL
Zip: 33844
Submitted Via: Web
Date Sent: 2022-11-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-03
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: in the process of refinancing my loan, of which we fell behind. I sent forms required by the mortgage company, filled them out, sent them ( fax ). this was XX/XX/2022. Mortgage wanted more information and complied three week later. Again in XXXX did not hear from the morgage company. They sent my an email dated the XXXX XXXX stating the process did not go through. I reapplied sending more of my personal information to reopen the refinancing process. First week in XXXX no update status. The mortague company is evaluating what i have submitted. On XXXX XXXX, the mortgage lawyers have sent to the court a citation of forecloresure to the XXXX XXXX XXXX court. This citation was issued when i and the mortgage company were negotiating restructure of my home loan. i owe {$150000.00} to the loan. It is policy to issue a foreclosure during restructure of a home loan? I am not trying not to pay, i want to continue live in our home. I have talked to the loan company, and it was said that the loan restructure is still in place and forclosure was delayed until an offer was given. I have talked to realestate Lawyer to help me in the proceedings.
Company Response:
State: TX
Zip: 76140
Submitted Via: Web
Date Sent: 2022-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-03
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I previously filed case number XXXX to which Mr cooper responded with a respa response to notice of error. They also claimed to have sent corrective paperwork to HUD and that i needed to wait 3 weeks to get an update and for hud to clear the partial claim lien recorded. It has been 3 weeks now and I have discovered that I WAS in fact lied to and based on the tracking number provided to me in the previous case it has been determined that nothing was in fact sent to HUD. I also confirmed this with a manager at Mr cooper who stated that it was beyond her control. At this point I am being insulted and am beyond furious. I will begin to file a civil lawsuit for dmages up to the max amount allowed as this issue has been a thorn in my side since XXXX and it is disgusting that they used a RESPA notice to try and weasel out of resolving this and then slow rolling. I am demanding that this issue be escalated and resolved within 7 calendar days otherwise i will file as many lawsuits as humanly possible including any form of class action suit i can legally file to get this handled and get my money back. This is a joke of a company and i wish my loan was never passed on to them. it is disgusting that they have been able to operate this way and for so long and i cant imagine how many other innocent families have been harmed by their careless antics. I am out XXXX because of their negligence and in this economy that is not small change. on top of that, let it be the other way and i'm sure they would do everything in their power to make sure i was homeless because thats how corporate greed works. Here is the tracking number provided in the previous case and here is a screenshot from XXXX showing nothing having been done.
Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers
State: TX
Zip: 77578
Submitted Via: Web
Date Sent: 2022-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-02
Issue: Trouble during payment process
Subissue:
Consumer Complaint: This problem started about six years ago, I have a mortgage with Mr. Cooper. my house was damaged by a landslide caused by the city I live in, I got a hold of Mr. Cooper and Mr. Cooper refused to help me in anyway, I was getting the runaround with Mr. Cooper. They advised me to stop making payments, the only way that they can do anything for me if I stop making payments, I didnt have a choice but to stop making the payments so I can get their attention, once I stop making the payments they started foreclosure process and they refuse to help, After negotiating finally after three bad faith against Mr. Cooper I was able to get the loan modification done. It was not a fair negotiation but after making my payment now for over a year on time never been late before the foreclosure and for the last year I have been making my payment on time. Now my insurance company canceled me because of the claim I have on my insurance, Since my loan modification I was promised to have access online to see my account and to be able to track my payments and receive also a mortgage statement. I have not received a mortgage statement for the last year since my loan modification or access online to know how much Im paying or how much I owe or whats my escrow balance, I have been trying to get another insurance and I finally found XXXX they will ensure my house, I give XXXX all the information for Mr. Cooper and the loan number Mr. Cooper refused to communicate with XXXX to give them any information so I can get insurance on the house now Im left with no insurance and no statement to provide XXXX so I can have insurance on my house and Mr. Cooper is threatening to add insurance on my house, if I have a statement for my mortgage I will be able to provide to XXXX so I can get my insurance started but I dont have that either, when I call Mr. Cooper on the phone to get any information on my loan they refuse to give me any information on my loan, they refused to give me any information on my loan and I have been making my payments on time since my loan modification I cant get anyone to talk to me on the phone. Thank you for your help
Company Response:
State: WA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A