Date Received: 2022-11-02
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have my mortgage with MrCooper. I am trying for months to arrange an appointment for an appraisal in order to be allowed to drop the PMI of the mortgage. Eventually, I managed to submit the request for the appraisal on XXXX, XX/XX/XXXX. I was told that someone is going to contact me to arrange the day and time of the appraisal. No one did that. So, today ( XX/XX/XXXX ) I called to MrCooper again in order to follow up with my request and arrange the appointment for the appraisal, but I was told that I will have to wait for 30 to 45 days for someone to call me for the appraisal.
Company Response:
State: CA
Zip: 91711
Submitted Via: Web
Date Sent: 2022-11-02
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: After my XX/XX/XXXX complaint, Mr. Cooper stated their legal department would respond directly to me and has not done so at all. Instead, a local attorney is threatening me with an arraignement, bail and jail time for making my CFPB complaints seeking my " punishment '' in XXXX XXXX XXXX XXXX on XX/XX/XXXX using a never extended expired interlocutory order from XXXX to try to achieve my jailing for making a valid RESPA complaint. I need immediate help with this matter.
Company Response:
State: OK
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-11-02
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: Mr Cooper has evidently bought my mortgage from XXXX XXXX, and it has been an absolute nightmare from the beginning date of XX/XX/XXXX. I asked them to remove the PMI from my account and after stating that I don't have enough equity and I can pay {$150.00} to have a broker appraisal done. Even though they show on their website that I'm sitting at 52 % ownership position with {$180000.00} ( uploaded copy below ) of equity and a loan balance of {$160000.00} and I know they are wrong ; I agreed to go ahead and have an outside opinion scheduled so they can no longer use that as an excuse. They actually sent me an email from their PMI department ( uploaded copy below ) stating that I purchased the property for {$160000.00} and the current loan balance is {$190000.00} which is the exact opposite of the facts. I purchased the property in XXXX for {$190000.00} and my current loan balance is approximately {$160000.00}.
Company Response:
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-11-22
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 made a mortgage payment of {$1200.00} on XX/XX/22 through my bill pay like I've been doing for years only now it's going to Mr Cooper instead of XXXX XXXX I was told by a Mr Cooper employee to not make the payment until that date, so I promptly made the payment on that date. The next day I noticed that the payment would not post until XX/XX/22 which would make it 1 day late. I have not been late on any payments to anyone in the last XXXX years so that didn't sit well with me already. After calling Mr Cooper, I was told they're allowing a 60-day grace period on any payments from the XXXXXXXX XXXX transferred accounts. Then the money was deducted from my bank account on XX/XX/22 ( upload below ) but was never posted to my loan until XX/XX/22 ( upload below ) and when I called to address the issue I was asked if I wanted to bring my account current by the customer service woman. Even though they're claiming they're offering a 60-day grace period at {$21.00} a day of interest on the loan, that equates to an additional {$170.00} of interest that's now been charged to my loan balance. I was also told by my bank that the delay of the electronic BillPay was because Mr Cooper specifically requested a check be mailed instead of accepting the electronic Billpay payment they claim they accept on their website.
Company Response:
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-11-22
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: Company bought mortgage from XXXX. When we tried to set up auto payment for the month of XX/XX/2022 we werre told online portion was not ready.. When we went back in on XX/XX/XXXX auto payment was set up. Then on XX/XX/XXXX we were told we are all set automatic pyments will be taken We thought payments would be taken for the month of XXXX. That was not the case. It was taken for only XXXX and every month after that. As a consumer who paid every month we unknowingly missed the same month we had set up auto payment. How maddening!!!! We immediately paid after month of paying but still missing that month. When we finally realized and paid we even explained that we thought it had taken for that same month we set up and its the fault on the company because they confused us. Now, The company refuse to remove this from our credit score. This has impact our score greatly for the fact we had been paying our mortgage. Can something be done to fet this negative report off my credit history? Especially since i did not know, and paid as we recognized it.
Company Response:
State: FL
Zip: 33309
Submitted Via: Web
Date Sent: 2022-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-01
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Dear Nationstar Mortgage, LLC This letter/CFPB complaint is being sent to you under the FDCPA15 U.S. Code 1692g. Although Nationstar has attempted to provide debt validation on previous complaints filed with the CFPB, Nationstar Mortgage has not provided valid debt verification. Under the FDCPA, I have the right to know who the original creditor is and I am requesting that Nationstar Mortgage provide me with a copy of the last billing statement from the original creditor and the date on which the last payment was made to the original creditor. I am also requesting that Nationstar Mortgager provide me with the date Nationstar Mortgage purchased the mortgage from the original creditor. If Nationstar Mortgage did not purchase the mortgage from the original creditor, please provide the name of the creditor who Nationstar Mortgage purchased the mortgage from and on what date the purchase occurred. I look forward to your response. Sincerely, XXXX XXXX
Company Response:
State: FL
Zip: 325XX
Submitted Via: Web
Date Sent: 2022-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-01
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: We paid off our mortgage in XXXX we were told the release of lien letter would be sent in 30 days. I have been calling since XXXX and today I get informed that the release of lien letter is not yet available. This is Mr. Cooper XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX ph # XXXX.
Company Response:
State: MI
Zip: 48093
Submitted Via: Web
Date Sent: 2022-11-01
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: Due to an error on their side, Mr. Cooper is trying to collect on a loan that was paid off before the start of their " servicing. '' They harass me via phone calls, mailed letters, and claims that my mortgage payment is " late. '' My mortgage loan was paid off in full on XX/XX/2022, but I continue receiving literature claiming that my mortgage payments are late.
Company Response:
State: PA
Zip: 183XX
Submitted Via: Web
Date Sent: 2022-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-02
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I was contacted by Mr. Cooper in regards to being required to carry flood insurance on my property due to remapping of XXXX flood maps. Upon inspection it was found that I have floodplain on my property ( as was before ) but that the structure is still not on flood plain. After numerous correspondence with Mr. Cooper with conflicting information, denying to even review my provided documentation, and being told a supervisor would call me back due to my request ( which they never did ), I have unfortunately resorted to settling this matter through the CFPB in hopes of a proper resolution.
Company Response:
State: PA
Zip: 182XX
Submitted Via: Web
Date Sent: 2022-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-02
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I applied for a covid deferment after being on a covid forbearance I am also divorced, I was granted the deferal, however my wife was placed on it as well and I was told she would not be as I had submitted the quit claim deed with the paperwork,
Company Response: Company believes the complaint provided an opportunity to answer consumer's questions
State: NE
Zip: 68601
Submitted Via: Web
Date Sent: 2022-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A