Date Received: 2022-09-12
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: UPDATE ON THE HOUSING FORECLOSURE MATTER. XXXX XXXX XXXX XXXX XXXX. AGAINST. XXXX XXXX. LOAN # XXXX THIS TO BRING TO YOUR ATTENTION, THE URGENCY OF OUR SITUATION. XXXX XXXX XXXX CALLED AND REQUESTED FOR A MODIFICATION. THE BANK GAVE US UP TILL THE XXXX OF XX/XX/2022 TO SUBMIT ALL THE REQUESTED PAPER WORK. MEANWHILE THE SALE IS THE XXXX XX/XX/2022. SO THE BANK NEED TO MOVE THE SALE DATE TO ALLOW TIME TO COMPLETE THE MODIFICATION .WE ARE SOLICITING THE YOUR OFFICE TO COMPEL THE BANK TO EXTEND THE LAW DATE TO XXXX. IN HOPE THAT YOUR OFFICE WILL INTERVENE. THANKS IN ANTICIPATION. XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX Connecticut XXXX.
Company Response:
State: CT
Zip: 06770
Submitted Via: Web
Date Sent: 2022-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-11
Issue: Trouble during payment process
Subissue:
Consumer Complaint: XXXX-Notary came to my house to sign closing documents. The signed Note was filed with the county recorder ( as per county recorder website ). XXXX A new Notary came to my house to sign closing documents a second time. I was told my original closing documents were lost in the mail. XXXX A new Notary came to my house to sign closing documents a third time. I was told my last name needed to be updated on the documents. A total of three different Promissory Notes were signed by me. XXXX I sent a verification of claim in the form of a Request for Inspection of my Original Wet Ink Signature Promissory Note. A copy would not be acceptable. XXXX Mr. Cooper sent a letter stating they were " unable to provide the original wet ink signature promissory Note as it could get damaged in transit. '' They enclosed a copy of the promissory Note. XXXX Their inability to allow me to inspect the Original Wet Ink Signature Promissory Note gave me reason to believe there is SUSPICIOUS ACTIVITY. I sent a second letter requesting documentation and proof of claim. I requested the following : -Proof of the existence of the account or contract in my actual flesh and blood name duly signed and witnessed by BOTH parties. -Proof of claim that this company is the current holder of due course of the Original Debt Instrument by allowing me to inspect my Original Wet Ink Signature Promissory Note. -Copy of the actual account whereby bank assay has occurred showing actual loss incurred of the alleged debt via an affidavit that this company is a creditor of the note in accordance to Generally Accepted Accounting Principles ( GAAP ). XXXX Mr. Cooper sent a letter stating my correspondence has no legal validity and is not a valid request. They stated Mr. Cooper was the holder of the Note and Mortgage and had the authority to enforce all rights under these documents. Additionally they THREATENED to report the invalid documents received to the appropriate authorities. I have remained in honor by keeping my account current throughout this entire process.
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-11
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Loan was transferred from XXXX XXXX XXXX to RightPath as of XX/XX/XXXX. A delinquency in the amount of {$40000.00} per the XX/XX/XXXX statement from XXXX XXXX XXXX. On XXXX, while still under the servicing of XXXX XXXX XXXX, a series of transactions label " Irregular Payment '' was applied to the loan history. The sum of these " Irregular Payments '' is {$38000.00}. This brought the account current through XX/XX/XXXX, leaving XX/XX/XXXX due and payable to RightPath Servicing. In addition, beginning XX/XX/XXXX, I applied for assistance with California Mortgage Relief to receive a grant to bring the account current. On XX/XX/XXXX I was approved to bring the account current - ALL delinquent amounts would be paid for by California Mortgage Relief. However, due the transfer the and transactions applied by XXXX XXXXXXXX XXXX the account then reflected no delinquency. I immediately contacted RightPath advising them of the situation. After numerous calls and emails, no one was able to correct the error. I was told by XXXX representative that the payment applied by XXXX XXXX XXXX in the amount of {$38000.00} was payment from a " hardest hit fund '' and there was no error. On XX/XX/XXXX, RightPath collected payment from me for the amount due on the account- XXXX and XXXX payment- in the amount of {$2900.00}. On or around XX/XX/XXXX, a wire payment was sent from California Mortgage Relief to bring the account current. However, since no deliquency was reflected on the account the funds were first applied to the principal and then reversed and applied to the unapplied funds account. Later, funds were returned to California Mortgage Relief and was indicated that no delinquency existed. Later, the loan history has been completed changed to show that funds in the amount of {$39.00}, XXXX was removed from the account. In addition, the loan became delinquent in the amount of {$26000.00}. Again I asked RightPath to explain the difference in the amount due to XXXX XXXX XXXX before transfer and the amount now reflecting delinquent by RightPath. Furthermore, due to that account errors on this account, my approval from California Mortgage Relief has been cancelled. The mishandling of my account by RightPath has caused me to forfeit funds to bring the account current. Ever attempt was made by me to have this issue resolved before the grant funds were sent. RightPath took to action and when action was taken it was done incorrect - stating no delinquency existed - and the amount due on the account has still not been verified and validated.
Company Response:
State: CA
Zip: 93551
Submitted Via: Web
Date Sent: 2022-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-11
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Mr. Cooper has sent confusing and incorrect statements and registered me late when I have paid my bill on time. Sending proof. There are several class actions suits against this company including NationStar with too many addresses to communicate with ( 7 ) and email address ( 3 ). We have emailed, uploaded, called, and even retained an attorney but they continue to send misinformation and report us late. I have NEVER been late on a mortgage on any of my homes and I am XXXX years old. I have proof of THREE coupons within 30 days with THREE different amounts requested from Mr Cooper. I have proof of the letter they sent saying NOTHING with my payment/mortgage would change and to pay {$1300.00} which I did- but they registered that late even though their website was not working XXXX XXXX. I told them I PAID insurance and taxes ( and again uploaded and emailed receipts ) and want out of escrow due to their continued confusion and they said no because I was late in my first payment which I wasn't. I am attaching proof of payment, and their confusing correspondence. My credit needs repaired/corrected IMMEDIATELY as it has dropped from XXXX XXXX XXXX due to their mis-management of my account. The letter that they sent to you responding to this complaint is again inaccurate on many issues, Please report them and fix this.
Company Response:
State: FL
Zip: 336XX
Submitted Via: Web
Date Sent: 2022-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-11
Issue: Trouble during payment process
Subissue:
Consumer Complaint: On the date XX/XX/22 I received an award letter from the Homeowner Assistance Fund ( HAF ) administered by the florida dept.of economic opportunity ( DEO ). I will be attaching that letter to this complaint. It awards me 18 months of mortgage and utility payments. The HAF call center has repeatedly informed me that they had sent my mortgage co. ( Mr.Cooper ) and my electric co. assistance checks on XXXX but to this date no one has received a XXXX, or so they claim. So somebody is lying as it's impossible for two separate checks to get lost in the mail and the electric co. ( XXXX ) is based in florida as well as the DEO offices so it's highly unlikely this would take this long. COMPANIES INVOLVED : Homeowner Assistance Fund ( HAF ) DEO in florida. Mr.Cooper ( mortgage ) XXXX ( electric ) XXXX. XXXX XXXX
Company Response:
State: FL
Zip: 33823
Submitted Via: Web
Date Sent: 2022-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-10
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I found these unauthorized inquires on my credit report. XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Company Response:
State: CA
Zip: 91773
Submitted Via: Web
Date Sent: 2022-09-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-10
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I make an advance payment and they apply it to principal. then i have to call or chat to fix it. there are two separate boxes, one for payment, one for additional principal. I am making a payment.
Company Response:
State: FL
Zip: 33991
Submitted Via: Web
Date Sent: 2022-09-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-10
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: My xwife has remodified my loan, and manufactured XXXX XXXX XXXX stating I was on XXXX XXXX... .I 've never been in the military, and NOBODY seems to care about this
Company Response:
State: CA
Zip: 92071
Submitted Via: Web
Date Sent: 2022-09-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-09
Issue: Trouble during payment process
Subissue:
Consumer Complaint: When the homeowners insurance was due for renewal on XX/XX/XXXX, I was contacted by my insurance agent because NationStar dba Mr. Cooper was refusing to pay the premium out of the escrow funds that have been collected for the past year. After repeated unsuccessful attempts by myself and the insurance agent to compel payment by the lender out of escrow funds, I was forced to enter into a monthly installment plan directly with the insurance company to avoid insurance cancellation on the property that would violate the terms of the mortgage. I am the spouse of the mortgage holder and reside in the home. The insurance policy is in my name as the borrower 's spouse since XXXX with no prior issues. This is a renewal of the same exact policy, under the same exact name, that the mortgage company has paid out every year without prior issue. The insurance is for the property that is under mortgage with NationStar. I have repeatedly submitted payment receipts and deck pages to prove that the home is still insured and that I am now paying for the insurance out of pocket in addition to NationStar continuing to collect funds for payment in escrow. I am now being threatened that the company plans to " force place '' insurance on the property due to insurance being cancelled which has not happened as I am now paying out of pocket in addition to the monthly, timely mortgage payments. A mortgage company should never be able to " force place '' insurance on a property that is proven to be already insured. Furthermore, they should not be permitted to continue collecting escrow payments for hazard insurance that they refuse to pay out. As of XX/XX/XXXX the mortgage company has {$3700.00} of my funds in escrow to pay the renewing hazard insurance policy that has been in place on the home, under my name, since XXXX and continues to refuse payment with the funds in escrow. I need immediate help as I am gravely concerned that NationStar is attempting to force a refinance, foreclosure or force an unaffordable insurance policy on the home when there is already insurance in place on the property. I have always paid timely and I need some serious strong arm help to force the mortgage company to pay out the renewed hazard insurance that has been accepted without issue until now.
Company Response:
State: FL
Zip: 33578
Submitted Via: Web
Date Sent: 2022-09-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-08
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: In regard to the next Certified letter on it's way to Mr. Cooper. We are maintaing that Mr. Cooper used our Promissory Note as their Asset ( while in fact it was our asset ) to " Create '' a mortgage and charge us interest on a loan they manifested. We just recently were made aware of the Constitutional Law regarding our Property. We are requesting Clear Title, and the Interest to be paid back. We feel Mr. Cooper has acted in a Fraudulent and Predatory manner and we never gave them permission to use our asset as their own. Our ( so called loan ) has been transferred to several servicing companies in the past. We are immediately asking for repayment. They must also cease any and all Foreclosure on our Property immediately. Also clearing any Credit Score Damage they have added to our XXXX Scores. XXXX XXXX, XXXX Mr. Cooper-Repayment Document Correspondence Loan # XXXX Notice of Error/Request for Information Cc : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX Mr. Cooper If you are not aware the USA is returning to Constitutional Law and Order. Your Repayment Plan is absolutely unacceptable to us.There are provisions in the Constitution of the United States to stop your type of banking or ( Servicing Loans ) I quote the following : Article 1, Section 8, Clause 5 states : Congress shall have the power to coin money, regulate the value thereof, and foreign coin. And fix the standard of weights and measures. Article 1, Section 10 in part states : No state shall use any Thing but Gold and Silver Coin as tender in payment of debts. You can not use Creative Bookkeeping. Or the term mortgage. If a Promissory Note is designed to circulate as money, like money it can be deposited into a checking account cant it? This was never disclosed to us. We argue the bank or Servicing Mortgage Companies altered the Promissory Note and was a negotiable instrument per the Uniform Commercial Code, at what point did the Mortgage Company Own the note? We did not give any of the companies to turn the Promissory Note into $ Moneyand you altered said note into a loan, with interest payments. The Mortgage becomes Null and Void. Predatory Loan practices. Not at any time did we give you permission to do so. The information below is useful to understandthe extent of the banking fraud. Now we are using the consumer protection laws to stop the extraordinary predation of the banks and other lending institutions. Topmost of these laws is theTruth in Lending Act ( TILA ) of XXXX, revised in XXXX, XXXX, and XXXX. Also useful to our quest for fairness and justice under the law is the Real Estate Settlement Practices Act ( RESPA ), theHomeowners Equity Protection Act ( HOEPA ), theFair Credit Billing Act ( FCBA ), State and Federal Usury Laws, and others. It's only fair to receive equal protection under the law, equal protection under the bank loan agreement, and for the whole truth about the bank loan agreement to be revealed. The whole truth is NOT revealed to the borrower. The bank or other lending institution does NOT disclose to you that your promissory note is actually an asset to the bank- which they deposit as THEIR asset. This is a Predatory and Fraudulent act. The bank does not let you know that a promissory note is actually a " negotiable instrument '' under the Uniform Commercial Code, and that it will be deposited to fund your loan. Nor did they tell you that the bank has a liability to you of approximately the amount of the loan. ( The bank owes you by their own bookkeeping entries! ) The bank does NOT tell you that you actually provided the real cash value for your own loan! Thus, the bank only appears to be lending you anything. We maintain this as Non-Disclosure to us. If the promissory note is an asset, what funded the bank 's ownership of the note? " Answer : They still don't really own it. They made an exchange -Your promissory note ( asset to the bank ) was exchanged for approximately the amount of the loan. You gave the bank an asset worth {$100000.00} and the bank returned {$100000.00} to you. Where was the loan? There wasn't one. But you really do have to admit, it's brilliant. As an honest, ethical person who believes that all loans should be repaid, do you agree that the bank should repay your loan to them? After all, they deposited your promissory note. Your promissory note is an asset that they exchanged for a check. Where's the loan? Factually, there isn't one. And since all lenders should be repaid, shouldn't the bank repay your loan to them? Absolutely and we are demanding you do so. We have requested repeatedly where the money ( you said you loaned to us came from ) and there has been no response but more copies of your Mortgage Paperwork. We are requesting a Clear title of our property and also interest that has been paid on our Property returned to us in FULL. Copies of this will be sent to The Consumer Financial Protection Bureau by our Lawyer. Your Repayment Plan is Unsatisfactory to us. We are claiming our rights via Constitutional Law and your unethical procedures in dealing with us. Also I would suggest your company stops any and all Foreclosure Plans on our Property. You will need to have this Title Cleared and Sent to us by XX/XX/XXXX. Along with a Check for all of the back interest we paid into you with interest to us. Along with clearing all bad credit history you have put on our Credit Reports regarding the matter. Best Regards XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX
Company Response:
State: WI
Zip: 544XX
Submitted Via: Web
Date Sent: 2022-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A