Date Received: 2022-09-27
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Pulled credit report twice within a week and did not remove second inquiry.
Company Response:
State: NJ
Zip: 08527
Submitted Via: Web
Date Sent: 2022-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-27
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have an escrow account mr. Cooper failed to pay my homeowners insurance. Their was a fire on my property and they agreed the mistake was on their end. They also said they will correct situation. As of XX/XX/2022. I have been strung along, hung up on and given the run around. They put blame on the insurance company they purchased for their fault in laps ( XXXX ) The insurance company places fault on mr. Cooper. Now no one answers my calls and the phone number for mr cooper is now on a loop where only way I can contact someone is on automated service and no live person. Plus I received XXXX statement for an extra XXXX dollars.
Company Response:
State: CA
Zip: 95204
Submitted Via: Web
Date Sent: 2022-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-27
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Myself ( XXXX XXXX ) and my partner ( XXXX XXXX, a family member of the owner ) purchased this property during the redemption period. We paid the payoff price that was provided by Mr. Cooper to keep the property from going into foreclosure. Once paid off we called in to confirm that all funds has been received and this was when the issues started. XXXX was told that there were additional funds needed to pay off the property. The initial payoff funds were wired to Mr. Cooper on XX/XX/XXXX. We were informed on Monday XXXX that they needed the additional funds because of the new month. I do not understand why the funds were not added by XXXX on XX/XX/XXXX, their system showed the funds had been received on XX/XX/XXXX. I do not think this was fair. Next, we call to confirm that the loan had been paid off on XXXX and was told that it had been transferred to XXXX finance. Again, do to understand why a loan that was paid off had been transferred. No one could answer that question. Now XXXX XXXX is telling us that additional funds may be needed. At this point, they ( XXXX ) will not talk to us until they approve the XXXX XXXX authorization that they received on XX/XX/XXXX. We were told it would take XXXX days to process and it has been longer than that. The initial owner XXXX and XXXX XXXX are an elderly couple and they have been stressed out not knowing what is going on with the property that they thought they had sold. I do not understand how both banks can have internal policies that they do not follow and give us the runaround. If you listen to the multiple calls that we have made you will hear that different reps are giving us different information. XXXX even acknowledges there is a problem with closing out paid-off loans. This needs to be escalated to the proper individuals and escalated. We are looking to see if there are other actions we can take.
Company Response:
State: NC
Zip: 282XX
Submitted Via: Web
Date Sent: 2022-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-27
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: In XXXX of XXXX, I applied for a forbearance on my mortgage. In XXXX of XXXX, I contacted the mortgage company to end forbearance and apply for a modification of my mortgage. Initially, Mr. Cooper willfully misinterpreted my request and began to process a " partial claim. '' After requesting excessive documentation from me, they sent me a denial of my partial claim and cited VA guidelines as justification. I contacted the VA for guidance, and a helpful representative informed me that I need a modification, not a partial claim. Mr. Cooper should have been aware of this from the beginning and had no reason to fraudulently process a partial claim. Mr. Cooper then began to process a loan modification. They asked me for the same documentation as before, which I faithfully re-submitted. Then they asked me for the same documentation again. And again. To this date, I have nearly hundreds of e-mail requests for documentation, all of them identical. I have replied to each unique request, and in many cases, I have submitted repeat requests for documentation. However, Mr. Cooper shows no progress or intention to process my request for modification. Some of their requests have been truly impossible to procure, such as notarized and translated utility bills and tax information. It has been seven months since I began this process, and in that time, my delinquent balance has ballooned to an unmanageable amount. I fear that this balance will continue to grow until Mr. Cooper is forced to foreclose on me, because they are unwilling to process my modification in good faith. I have repeatedly offered to resume monthly payments to prevent the growth of my delinquent balance, but Mr. Cooper has rejected my attempts to make responsible loan repayment. I am attaching just one of these recent requests for documentation in conjunction with proof that I have submitted aforementioned documents. In summary : Mr. Cooper refuses to process my modification, repeated requests copies upon copies of previously submitted documentation, and refuses to accept monthly payments.
Company Response:
State: CO
Zip: 80919
Submitted Via: Web
Date Sent: 2022-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-27
Issue: Trouble during payment process
Subissue:
Consumer Complaint: 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 se. 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: 2022-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-28
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: We had a mortgagee loan through Mr Cooper aka Nationstar Mortgage. They have failed to report my mortgage to the credit bureaus for a number of years? Both my wife and myself. I have been denied credit because of no mortgage history. We no longer have our loan with them but they definitely affected us adversely. I tried on multiple occasions to get them to fix it!!
Company Response:
State: IA
Zip: 503XX
Submitted Via: Web
Date Sent: 2022-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-27
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I have not received clear instructions on loan modificationI keep having to explain over and over about whats going on.Also have spoken with manger but that does not do anything. They said the sent a loan modification offer but we never received it and the manager show the never sent it now t to he rejected a offer we never received and the they sent a congratulations that they will accept offer and its no one in charge and manger or supervisor is always busy and never call back while were scared are might go in to foreclosure because Mr. Cooper keeps dropping the ball
Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers
State: OK
Zip: 74055
Submitted Via: Web
Date Sent: 2022-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-28
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: Dear CFPB : On XX/XX/2022 I filed a formal Complaint with HUD in connection with a XXXX XXXX, XXXX state court litigation where I discovered XXXX XXXX and their loan servicer Nationstar concealed evidence between XXXX, including Texas Constitution documents and infirmities with my loan which according to Texas Supreme Court XXXXuthority , rendered my loan void, invalid and foreclosure ineligible at origination. More importantly, the HUD Settlement Statement provided undisputed evidence I was illegally charged closing costs in excess of Texas Constitution 3 % of principle limits. As a XXXX minority, I was required to pay more than {$10000.00} for closing costs on a home equity loan when I should have paid no more than {$2800.00}. The {$10000.00} closing costs included my agreement with the lender to make exterior repairs approved by the lender to obtain the loan. I also filed a complaint with the State of Texas Auditor to place them on notice that state courts are using state funds to render opinions in violation of the Texas Constitution. During previous litigations where I incurred attorney fees of close to {$200000.00}, XXXX XXXX and their loan servicer Nationstar concealed the infirmities with my home equity loan which they knew that pursuant to the Texas Constitution, was invalid, void and foreclosure ineligible at origination. In the current litigation, XXXX XXXX and Nationstar defended their illegal acts to charge excessive loan closing costs on Texas Home Equity loans and refused in writing, to comply with Texas Constitution cure provisions to correct the loan infirmities. I recently filed at the Fourth Court of Appeals, an Amended Motion For Rehearing and Rehearing XXXX XXXX to correct the egregious errors with the Court Opinion that conflict with the Texas Constitution. I am attaching my HUD Complaint letter and exhibits attached to support my allegations.
Company Response:
State: TX
Zip: 78212
Submitted Via: Web
Date Sent: 2022-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-26
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Previous complaint XXXX CFPB says it sent information to Federal trade commission XXXX XXXX enforcement, XX/XX/2022. I have not received any more information about my complaint. What should I do Now, What is the best way to contact FTC. THANK YOU XXXX XXXX
Company Response:
State: VA
Zip: 201XX
Submitted Via: Web
Date Sent: 2022-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-27
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Tried to make payments and did but was rejected
Company Response:
State: SC
Zip: 29678
Submitted Via: Web
Date Sent: 2022-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A