Date Received: 2022-10-31
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Nationstar Mortgage LLC did not receive the promissory note from a party who was legally in possession or who had the legal capacity to transfer the note. Nationstar Mortgage, LLC has never been the owner of the note. Nationstar Mortgage LLC did not pay value for the note. Nationstar Mortgage LLC claims XXXX was on the original mortgage and that the homeowners agreed to designate XXXX as a nominee. XXXX IS NOT on the mortgage anywhere and the homeowners DID NOT agree to designate XXXX as a nominee. WHO TRANSFERRED the promissory note to Nationstar Mortgage LLC. Who was the custodian of the collateral file? How did Nationstar Mortgage LLC obtain possession of the promissory note? What does " new loan '', " no cash '' mean? Aurora Loan Services , Inc went out of business and did not have the authority to service transfer anything to Nationstar Mortgage LLC. Aurora Loan Services , inc had a cease and desist order against the company. A service transfer allows a servicer to collect payments for the LENDER. WHO IS THE LENDER? Who was Nationstar Mortgage collecting payments for? These are valid questions, as only the TRUE CREDITOR and legal owner of the debt should have received payments. A loan servicer is not the owner of the debt or the creditor. A loan servicer does not have the authority to bring a foreclosure action in its own name without the true creditor and owner of the note joining or ratifying the action. The balance showing due on the mortgage payments is incorrect. Our mortgage was paid off and Nationstar Mortgage LLC was collecting payments on a loan that had been paid in full. Your business records are incomplete and you are not capable of showing the amount owed or not owed because you can not trace the loan history back to the original lender.
Company Response:
State: FL
Zip: 325XX
Submitted Via: Web
Date Sent: 2022-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-31
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I entered a forbearance plan with XXXX XXXX XXXX who approached me with a plan to lower my initial 3.51 % interest rate they said they would lower that to 2.1 % saving me {$500.00} per month due to XXXX hardship if I qualified. I filled out all their paperwork and got accepted. I had a mortgage note with XXXXXXXX XXXX for {$2000.00} per month. I purchased the home in XX/XX/XXXX. Its a XXXX XXXX XXXX I was to pay {$1400.00} per month at the new rate. I paid that money to XXXX XXXX XXXX without fail never missing a payment. I paid the money primarily to XXXX XXXX and XXXX XXXX. They submitted a fedex label each month so I could send the money to them. I paid them for 19 months. When I inquired about a lower interest rate ( I ended up being offered as low as XXXX so I expected them to match it or release me so I could accept it. I asked about my equity and my escrow they, said I would receive all that and it was pending. I never received any of the money. They just swept it under the rug telling me to not worry myself about itthey would take care of it and make sure I would receive all of it as soon as they found me a mortgagee. I inquired when the first forbearance allegedly ended what was my position? They said they had not found me a mortgagee and that I was to keep paying my mortgage payment to them. This was near the end of XXXX. In XX/XX/XXXX I recieved a letter from Mr. Cooper that said Certified. I opened up and discovered that I was behind in my payments and was facing an imminent foreclosure. If you cant imagine how this devestating information affected a XXXX Era XXXX XXXX, Rated at 100 % XXXX Veteran, who is single and lives alone and who fought from XXXX to XXXX to finally receive his benefits he earned in the service of his country I was kept at 0 % in XXXX I was 30 % by XXXX and beyond I was superficially stuck at 60 % until going before the XXXX XXXX XXXX XXXX and prevailing and reaching 90 % rated at 100 % Permanent & Total, which allowed me to purchase my home at XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Texas XXXX. At any rate I contacted Mr. Cooper and was told by them after XX/XX/XXXX that they were my mortgage holders. I was stunned. XXXX XXXX XXXXXXXX had told me nothing whatsoever about MR. COOPER. That was what they had pledged to do. Inform me when I had a mortgagee. My interest rate was supposed to last the life of the loan at 2.1 % and was locked in. They asked me had I mailed the XXXX payment and sent the fedex label. During that time I learned from MR. COOPER that XXXX XXXX XXXX XXXXad not given them a penny that I paid each month to the tune of around {$29000.00}. Now. I am a victim of XXXX. It is beyond the scope of human imagination. I understand the futility of life for some people who dont expect this kind of treatment against any American citizen. To steal the XXXX XXXX. Perpetuated by Demons who pretend to be human because they can disguise their true evil countenance so easily online. And these criminals dont have the faintest idea of what you had to go thru to get where you are until their rotten XXXX came along and stole your dreams and ambitions by taking away your domicile your pad your home sweet home the place you go to and declareIm so glad Im home! Well I immediately hired a attorney thru an online third party named XXXX who told me he represented XXXX XXXX XXXX XXXX and they specialized in stopping foreclosure. It would cost me a total of {$3000.00}. I paid the money and XXXX XXXX summarily dumped me because I did not move fast enough to provide papers. They all acted like I was already in foreclosure and pushed immediacy upon me, something I had some difficulty in dealing with. I was so ill prepared for the quagmire this matter threw me in. I went thru a MAJOR XXXX EPISODE. My Double XXXX kept me in a catatonic state for quite a while. I finally pulled out of it and started responding to the demands ( which are artificial because I was told by XXXX who handles their law firms side hustle which is to charge the duped forclosure suckers who know nothing about forclosure and are afraid of it ) by the policy of having a place to dump you. She dumped me. They give you a loan modification for XXXX XXXX dollars that MR. COOPER immediately offered me for free. Its a XXXX side hustle alright. Shes on XXXX and had never mentioned the return of my money period. You see once they know you have been screwed by scammers they will seek to scam you too. If they know you are and older person they will seek to make you a victim. I turned XXXX on the XXXX of XXXX. Come on you can visualize it gentlemen and ladies. XXXX gets on the phone to XXXX and says, We got a live one! And she proceeds to use any means necessary to steal my money preying on peoples fear of forclosure and losing their homes. So now Im on a preforclosure list and I am due to be foreclosed on on XX/XX/XXXX or XXXX XXXX. I dont want the modification because in filling it out I felt like I was being made to feel like a criminal trying to get away with something. Additionally MR. COOPER is trying to tack XXXX on the end of my note. Im not down with that. I paid the money. Im the victim of both XXXX XXXX XXXX AND MR. COOPER. Now Ive asked the lawfirm to return my money so I can get a real lawyer who can handle this looming foreclosure and realize if I pay you for your services you work for me and should give me your utmost consideration or dont step up to the plate. They need to return my money as they did nothing but steal it. Additionally MR. COOPER rejected my concerns about this FRAUDLENT mortgage theft and acted like I better pay. They rejected what I told them about the matter. I sent them copies of all the cashiers checks I sent to XXXX XXXX XXXX as payment I sent them copies of all or at least most of the XXXX LABELS that XXXX XXXX XXXX sent to me each month to get me to send the money. Now people and organizations ask me if I have ever missed a payment. I havent ever missed a payment but after all thiswhat am I suppose to say? In the final analysis ladies and gentlemen I told these people about XXXX XXXXS XXXX back in XXXX. I obviously was not believed as they wanted to get that erroneous like you would not believe XXXX more. They are criminal. They were formerly Nationstar and had to be rescued by the government and now I guess to make up for their previous indiscretions they decide to stick it to a senior citizen ( they probably can be beaten into submission out of fear and online ignorance, an easy target. To a XXXX Era Veteran means I went into the military service during war at a time when men were burning their draft cards and running to hide out in XXXX. I volunteered. I dont deserve this treatment. XXXX XXXX. XXXX who was the first person I contacted at MR. COOPER and told my info to was commiserating with XXXX said he would see that my details got to MR. COOPERs fraud department. I found out they dont have a Fraud Department XXXX Instead I get word from MR. COOPERS minions that the evidence I submitted on my behalf and proof that I paid was not sufficient. They did not give me any idea what sufficiency would be required. They just left me hanging like I was a liar. Well come to find out that the Federal Trade Commission has closed down XXXX XXXX XXXX effective in XXXX of this year. Shows you how ineffective this lawyer is as they know nothing of this fact and probably are still finding XXXX forclosure suckers. The firm is XXXX XXXX XXXX XXXX. XXXX XXXX, Attorney Address : XXXX XXXX XXXX XXXX, XXXX, Texas XXXX. The FTC has frozen all assets for XXXX XXXX XXXX. My money is there. Please help me get itplease help me find another mortgage services due to the fact that I dont trust MR. COOPER as I feel they are culpable and are in cahoots with XXXX XXXX XXXX XXXX Please let me know how I can stop this illegal forclosurepast presidents have put out decrees to have no homeless veterans I think by XXXX. They are trying to make me homeless thru no fault in any way of my own. People like theseneed to be crushed and left on the moon. I dont think they are even human. I hope this info can help bring them to justice. Thank you for your kind consideration and attention to detail in this letter. I thank you. XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX
Company Response:
State: TX
Zip: 780XX
Submitted Via: Web
Date Sent: 2022-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-01
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have inquired about removing the PMI on my home almost at least every six months since we moved into our home in XXXX XXXX. The house was fixer upper so even though we had enough for a 20 % down payment we only did a 5 % down so that we could invest and add more square footage to the home. We purchased the home for approx. {$420000.00} dollars and we put between $ XXXX into the addition. I had an appraisal completed in XX/XX/XXXX that appraised at {$520000.00} but they stated that even though the value was high enough they did not have to waive the PMI and I should try again when the mortgage had aged officially 2 years. I have made several attempts to contact Mr. Cooper but they don't have enough Escrow / Insurance people to answer the phones. Instead they try and refinance my loan, which would be a financially poor decision for my family. I work during the day and prefer to interact through tickets. They refuse to put the actions I need to take to get my PMI removed in writing. I am attaching an image of the messages that were returned to me after I chatted with Mr. Cooper or opened a ticket. It almost seems like they do not want to provide clear written clear instructions and expectations as to when my PMI can be cancelled. I am well within my right at this point as I have secured an additional Home Improvement loan to add on a custom deck that is {$55000.00}. Mr. Cooper only cares about you if you want to refi and take out another one of their products. But if you are just a customer looking to have decent servicing, that is not their priority.
Company Response:
State: TX
Zip: 78232
Submitted Via: Web
Date Sent: 2022-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-30
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Due to loss of income during the pandemic, I got behind on mortgage payments. Our servicer offered me a modification, and I have been making trial payments. For some reason, they refuse to let me make these payments online or through the phone system. Instead, my only option is to drive to the post office, purchase a money order, and mail the payments to a XXXX XXXX XXXX XXXX. Each monthly payment must be received by the end of the month. On XX/XX/2022, I purchased a money order for that month 's payment, and paid the post office {$8.00} to send it via XXXX XXXX, which would ensure that the servicer received the payment by XX/XX/XXXX. However, after I left the post office, something happened that was outside of my control. We live in the XXXX XXXX XXXX XXXX XXXX, and on XX/XX/2022, Hurricane Ian was in the XXXX XXXX XXXX and projected to move past us and make landfall in the XXXX. The post offices in all of XXXX XXXX made a unilateral decision to close their offices that night, and not reopen until after the hurricane passed. On that same evening, XXXX XXXX XXXX also made that same decision and shut down our airport. Neither reopened for three days, and my payment did not leave XXXX XXXX until they did. My servicer reported my payment, which it received on XX/XX/XXXX as " late '', and canceled my modification. There was absolutely nothing I could do to get that payment to XXXX by XX/XX/XXXX, and I'm being unfairly punished for something that was out of my control. Had the servicer permitted me to make online or phone payments, the payment would have been on time.
Company Response:
State: FL
Zip: 33771
Submitted Via: Web
Date Sent: 2022-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-29
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I was behind in my mortgage payments with a previous servicer and applied for XXXX relief extension. During that time RightPath Servicing became my new mortgage servicer. I had six months to go until my forbearance ended. However, XXXX called me every day harassing me about the " loan '' to the point I had to tell them to stop. They ignored me and kept calling under the " guise '' that they were trying to help me to find additional ways to assist once the forbearance ended in XX/XX/2022. At the time, I had an active application in with the XXXX XXXX Assistance XXXX to help me get caught up with 5 payments that was in arrears. I was approved and the payments were paid with a lump sum. XXXX also paid for 3 months in advance. But XXXX put the 3 advance payments toward escrow even though the payments INCLUDED the escrowed amounts! I had to contact XXXX to let them know what XXXX did and XXXX had to reverse those advance payments and apply them in the manner that XXXX approved for me. What happened next was XXXX sent me a delinquent notice. I called them and the rep said it was a mistake. She confirmed I didn't have a payment due until XXXX and what that payment would be. I also went on the website and took a screenshot of it. But then XXXX started calling me again so I logged onto the website to see what was going on. XXXX had increased my monthly payments by 100 % stating that it was due to my increase in insurance coverage. The insurance had been issued in XX/XX/2022, and there was no mention of a change in escrow until XX/XX/2022. My modification application was denied in XXXX ( due to the payments and me indicating that I could pay the monthly amount with my income starting in XXXX. But now that XXXX has increased my payments by 100 % I am back where I started with facing financial difficulties. I did receive a letter from XXXX on XX/XX/2022, stating that I may be eligible to cancel the escrow, so I did request that on XX/XX/2022. I would be able to pay the insurance myself with their arrangements and the taxes too, as I know how to budget my own money to pay bills. I believe XXXX is deliberately trying to force me into foreclosure, overcalculated the escrow and finding ways NOT to help, but to harass me, as none of this was ever told to me at the time my payments were no longer in arrears. I have an outstanding FICO score and credit ratings. This move on the part or XXXX is not in my best interests and I would like your assistance with making them do the right thing and cancel my escrow. I have read the past complaints and settlements from this company under other names/businesses and it appears that they are complicit with breaking the laws and providing unethical services. I look forward to your assistance and a resolution in my favor.
Company Response:
State: IL
Zip: 60615
Submitted Via: Web
Date Sent: 2022-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-28
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: my mortgage loan was recently transferred to Nationstar Mortgage LLC ( dba Mr. Cooper ). Mr. Cooper recently announced about a highly expensive force-flood insurance that we have to pay to provide protection for the mortgage, stating that they would not purchase it provided that we buy our own flood insurance and provided them with evidence. We have successfully provided them the evidence that our current insurance does include flood protection but Mr. Cooper chose to ignore it and carried on with obtaining a more expensive premium.
Company Response:
State: TX
Zip: 761XX
Submitted Via: Web
Date Sent: 2022-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-27
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Company is now requesting an explanation for an XXXX XXXX monthly expense that I indicated on my loan modification worksheet. When I completed the loan modification worksheet, I contacted my loan servicer, Mr. XXXX XXXX, to ask him for guidance. He instructed me to fill in this worksheet with the amount that I expect to pay for my monthly mortgage payment ( on the mortgage currently owned by Mr Cooper ). Before this process began, I was paying {$840.00} per month on this mortgage, so I indicated that I expect to continue to pay {$840.00} on this mortgage. To re-iterate : This property only has one mortgage listed on it. This mortgage was previously held by XXXX, and they sold it to Mr Cooper, who instructed me to list my expected monthly payment on the loan modification worksheet. Now, Mr Cooper seems to have forgotten their own instructions, because they believe that my XXXX XXXX monthly expenses are for an additional mortgage, or for a separate property. I have told them numerous times that my only expense is for the mortgage that they currently hold, but they seem unable to grasp this simple detail and continue to ask for information to reinforce their mistaken assumptions. Mr Cooper needs to validate and complete my loan modification request ASAP, without further delays, excuses, or needless requests for documentation. They have been provided everything they need, multiple times.
Company Response:
State: CO
Zip: 80919
Submitted Via: Web
Date Sent: 2022-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-27
Issue: Trouble during payment process
Subissue:
Consumer Complaint: In XXXX of XXXX I refinanced my home with XXXX XXXX. The amt is XXXX with a monthly payment of XXXX for 10 years. About a month ago i realized that there were no payments being taken out of my investment banking account. I contacted american financing and they sold the loan to nationstar in texas. I contacted nationstar mortgage, which is mr. cooper loan comp, only to find out that all the letters pertaining to the transfer and payments they sent to me were returned to nationstar. I learned also in that phone call nationstar put my home into foreclosure > I was shocked as i have excellent credit, I definitely have enough money to cover payments, My home is worth XXXX XXXX plus and i was never contacted by either company about a foreclosure. I learned that nationstar had the wrong address for me, they never had a phone number or e-mail on file for me, and therfore simply said we can reinstate the loan if you pay all the previous months payments, which i will gladly do but my credit score is compromised and i have to pay XXXX in forclosure fees. Wanted to know if a compaany can just forclose on a loan like this without even contacting me. I found out that american financing also had my physical and mailing addresses, which are not the same mixed up. I find it odd that they could potentially get XXXX XXXX from my home just because they did not even try to get an e-mail or phone nu for me. thank you
Company Response:
State: AK
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-26
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Second Filing. XXXX was done and not reviewed by the CFPB. I have contacted Mr. Cooper on several occassions. They are holding almost double the oustanding balance of the loan and have cost me substantially because I didn't have the money to pay a deposit for repairs. XXXX XXXX Loan Number XXXX Balance approximately {$72000.00} Holding insurance amount over {$120000.00} They will not send documentation as to what provision allows them to hold this money, they will not respond with written correspondence and they will not release the amount over the XXXX What law governs this as I would like to pursue legal action pro XXXX. I also want to formally file a complaint here against Mr. Cooper. They have also charged me late fees that were not late in the past.
Company Response:
State: CO
Zip: 806XX
Submitted Via: Web
Date Sent: 2022-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-26
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I got on the XXXX forbearance from XXXX until XX/XX/2022. My mortgage co Rightpath has told me I can not make a payment. They sent my loan to underwriting for 2 1/2 months and when I started requesting a call back from a manager after 30 days with underwriting I was told they are backed up due to all the loans coming from XXXX XXXX XXXX. I never recieved a call back and have requested one several times since XXXX. I started threatening to complain to the different agencies such as CFPB and now I get a notice that I'm not eligible for a loan mod, a payment deferral or a pmt plan. Please help!
Company Response:
State: CA
Zip: 92591
Submitted Via: Web
Date Sent: 2022-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A