Date Received: 2022-10-06
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Funds were wired from the state over 30days ago my mortgage servicer is not applying my funds in a timely manner and has me in a forbearance rather than posting my payments to bring my account current and report current accurately to the credit bureau.
Company Response:
State: OH
Zip: 451XX
Submitted Via: Web
Date Sent: 2022-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-06
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Mr. COOPER has destroyed my life and caused me more hardship than I can even begin to put into this statement. They are so incredibly fraudulent its sick. Currently however Im homeless, my credit is destroyed bc of them and my mortgage has been paid off now for years. It still shows open with a balance. I want anything to do with there criminal company off from my report including the bankruptcy I filed bc I thought I had to to keep them from wrongfully selling my home!!! These things have left me homeless and unable to get any financing or even a rental for my son and I. Please help! I know Im not alone in this! Theyre lucky I wasnt aware of the ways they were breaking the law and screwing me over all along bc theyd have a HUGE lawsuit on there hands. Honestly this is the least they can do!!
Company Response:
State: MI
Zip: 49424
Submitted Via: Web
Date Sent: 2022-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-06
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Through this platform, which I am sure is a very excellent agency, I hope to have some help from it. My situation is that this debt collection entity was initially called NATION STAR MORTGAGE LLC, and later changed its name to MR. COOPER LLC, I have tried by all means to grant me a modification to keep my house where I have lived for the last 15 years with my family, my wife and children. As everyone knows, the PANDEMIC-COVID-19 has been devastating in every way, causing many deaths, separating families in many ways due to the consequences caused by it, such as unemployment, inflation, lack of products, and all the products have tripled in price. 2019 where apparently everything was normal. I explain all this to get to the subject of my complaint. This entity has been fined by its department for irregularities and for violations of federal laws that regulate loans and finances, therefore this ENTITY now called MR. COOPER LLC, which is the entity in charge of collecting this loan, has already had its history that they have violated the RESPA, TILA and possibly other laws. This entity has taken on the task of not cooperating with property owners ( Primary Residence ) to modify those loans so that families who have suffered so much with this PANDEMIC-COVID-19 at least have a place to live with their families.. I have called the ENTITY trying to obtain a loan modification, but they have not answered me, they have not helped me at all, I would like them to help me with a modification to be able to stay in my property, which I need so much at the moment. I expect your Agency to notify this entity so that they can help me with the aforementioned.
Company Response:
State: FL
Zip: 34744
Submitted Via: Web
Date Sent: 2022-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-06
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: As of XX/XX/2022 XXXX reported that my account is/was 120 days late with {$52000.00} past due.I previously had this same problem with this creditor a few months prior. Mr.Cooper transfer this account to another company RightPath as of XXXX XXXXDuring that time my loan was in process of a modification due to the pandemic. As of XXXX XXXX this home was paid in full. Mr.Cooper has now caused my credit score to DROP XXXX points for which has now cost me from obtaining a new home! This is a violation. Mr.Cooper is/was no longer my service provider and has reported my account being 120 days late!
Company Response:
State: FL
Zip: 33615
Submitted Via: Web
Date Sent: 2022-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-05
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: During XXXX we had income loss, illness along with I have had several health issues since. We got a modification and were approved/ made one payment with north pointe. Then our loan sold. In the process it has sold 4 times and each time told dont make a payment we will fix this. Now over a year later since my loan originally sold and still cant make payments, loan amount changed, interest rate went up, no honor to our original payment plan and now our recent papers were denied and no one is calling us and I have to call each time. I have two years of paper trials and emails and still nothing. We are now with right path and again told today we cant make a payment. Our situation has been escalated over a dozen times and nothing. I feel I am being defrauded out of my home and its original value. We are currently being told we ok XXXX every time we call in and again nothing is done in our favor even with requests in, paper trials submitted and again nothing. I feel we need a lawyer and all legal support we can be provided as a mortgage owner with rights.
Company Response:
State: AZ
Zip: 85308
Submitted Via: Web
Date Sent: 2022-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-05
Issue: Trouble during payment process
Subissue:
Consumer Complaint: XXXX XXXX Mortgage transferred my mortgage loan to Mr. Cooper. I had set up an auto pay with my checking account with XXXX XXXX Mortgage. When I received notice from them that my loan transferred I called to verify my payment would not be deducted and was told incorrectly that the auto pay would be disabled and no payment would be taken. I paid the payment to Mr. Cooper as the letter instructed. Apparently without my consent XXXX gave or sold my private checking account information to Mr. Cooper who AFTER I already made my payment took it upon themselves to reach into my checking account without my permission and take another payment from my checking account. While the payment was still pending with my bank I contacted Mr. Cooper who said they had gotten the info for auto pay from XXXX. I told them that I already made the payment and most importantly DID NOT give them my checking account information nor permission to automatically deduct anything from my personal checking account. XXXX from Mr. Cooper stayed on the line while she connected me with my bank. After much discussion we learned that I had to put money in to cover the payment, then stop payment. Which I did. Now Mr. Cooper has the nerve to charge me for a returned check. I never sent them that check they fraudulently dipped their hand into my personal checking account after getting my personal info from XXXX and tried to steal a second payment. I also had to pay {$20.00} to stop the fraudulent payment that they tried to collect.
Company Response:
State: CA
Zip: 92021
Submitted Via: Web
Date Sent: 2022-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-04
Issue: Trouble during payment process
Subissue:
Consumer Complaint: On XX/XX/2014 Mr. Cooper/Nationstar Mortgage received payment in full for a mortgage including a fee to record a mortgage discharge. Despite being contacted numerous times both by fax and by telephone since XXXXhas not been recorded a mortgage discharge as required by law. My office paid the loan and full and has made numerous attempts to obtain a mortgage discharge. Attached is proof of payment and evidence of multiple contacts. The latest contact today was by telephone wherein heh telephone representative refused to speak to be because I was not authorized.
Company Response:
State: MA
Zip: 024XX
Submitted Via: Web
Date Sent: 2022-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-04
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I called Mr. Cooper directly on XX/XX/XXXX & XXXX, XXXX for the new payoff letter. On XX/XX/XXXX, I called from my bank to inform the customer service representative of the domestic wire transfer request for {$1600.00} being sent to payoff my mortgage account. ( see attached bank wire transfer with the date shown XX/XX/XXXX ). Upon several phone calls and online bank messages ( dating from XX/XX/XXXX through XX/XX/XXXX ) and the evidence from the domestic wire transfer request to Mr. Cooper, indicating that I made the payoff before 30 days past due, my three credit reports ( XXXX XXXX ; XXXX ; XXXX ) reflects XX/XX/XXXX day past due on my Mr. Cooper account. I have disputed this with the three credit reporting agencies on numerous occasions. I have not made any 30 day past due payments with Mr. Cooper and have had my account in good standings. The payoff was also made on XX/XX/XXXX and not 30 days past due. I have requested this credit reporting error be corrected, however ; I receive the same generic letter from Mr. Cooper that the payoff was received on XX/XX/XXXX. My evidence and date shown on the domestic wire transfer is proof of the XX/XX/XXXX date and a comment on the domestic wire transfer to Mr. Cooper & XXXX XXXX XXXXXXXX XXXX XXXX Please follow up with a manager from Mr. Cooper/XXXX XXXX XXXX XXXX to correct my credit reporting bureaus with no 30 day past due. Thank you.
Company Response:
State: CA
Zip: 90260
Submitted Via: Web
Date Sent: 2022-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-04
Issue: Trouble during payment process
Subissue:
Consumer Complaint: ACCOUNT/LOAN NUMBER : XXXX XX/XX/XXXX : Completed refinance with XXXX XXXX sold my mortgage to XXXX. XX/XX/XXXX : XXXX XXXX sold my mortgage, DBA as Nationstar. XX/XX/XXXX : Escrow change increased to {$3000.00} ( no explanation from Mr. Cooper ). XX/XX/XXXX : Escrow adjustment increased to {$3000.00} ( Again no explanation ). XX/XX/XXXX : I set up Autopayment through Checking account in XXXX of {$1300.00} ( actual monthly payment {$1300.00} ), effective About XX/XX/XXXX - I got alert from Crdit Bureau companies, initially XXXX and my bank and XXXX ( since I set up fraud alert ) of change in my credit. I login into these accounts only to discover that it is from mrcooper, my mortgage company. XX/XX/XXXX : I contacted mrcooper. Initially, was told of escrow adjustment " that XXXX did not transfer correct amount, and the crease is due to that adjustment. Further inquire, was for me to contact their dispute office via emailing for late fee charges. I made double payment in XXXX and XXXX through direct payment. XX/XX/XXXX : I wrote to XXXX to dispute the late fee and issues of escrow increase due to XXXX allegedly late transfer of my mortgage more than 10 months. XXXX XXXX : I received a letter that mrcooper can not waive the late changes because of late paymnet of XX/XX/XXXX. I verified with XXXX of any insufficient fund in my account, which was different from what I was told on the phone. XXXX XXXX : i further reached out to mrcooper, this time, I was told of due to escrow adjustment, there is increase, and mrcooper pro-rated escrow and I was advised to reach out to my county Assessor office. I called them, and I was told that my home annual assessment comes in XX/XX/XXXX. Could dis be deception or gimmick from mrcooper mortgage. Resolution # ( without taking responsibility ) : XXXX ; XXXX, XXXX XX/XX/XXXX : I filled for removal of the negative credit report since mrcooper, and its agent failed to furnish me any information of notice before negative information is reported and failed to furnish information notice information after information is reported. XXXX XXXX, they sent me letter that they will not remove the negative report since it is they responsibility to report of no mortgage payment was received. Yet, I told them that they are autopayment, and they have not furnished me adequate and convincing information.
Company Response:
State: CA
Zip: 93312
Submitted Via: Web
Date Sent: 2022-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-03
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I believe Mr. Cooper ( Nationstar ) is harassing me via ordering excessive and unnecessary " inspections '' in addition to falsely reporting my home to be " abandoned '' to my homeowners insurance provider. They then tack on fees for each " inspection '' so that I have a backlog of unpaid fees I was unaware of. Now they've started adding it to my monthly mortgage payment. They've had my home " inspected '' approximately 20 times in approximately 2 years. Sometimes twice in the same month. This goes against every standard practice I can find online as I'm never behind more than 90 days and it's never more than 30 days between full payment is sent. I believe they falsely reported my home to be " abandoned '' because standard practice is that if the " inspector '' believes the home is abandoned the next step is to do an internal inspection. I have cameras outside my home and I've never seen anyone pull their vehicle into my driveway nor have I seen anyone walk onto my property ( aside from XXXX, XXXX, and USPS making delivery ). It stands to reason that the inspector did not truly believe my home to be abandoned because he/she never did an internal inspection, which is the next step after a drive-by inspection for a presumably abandoned home. Either the inspector doesn't exist and I'm being charged false fees or the inspector exists and is a fraudulent inspector who is getting kickbacks for falsifying reports.
Company Response:
State: SC
Zip: 29625
Submitted Via: Web
Date Sent: 2022-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A