Date Received: 2022-09-05
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Currently Mr. Cooper claims that I am missing a payment and continues to bill me for said payment. I have been charged at least ( 5 ) late fees of {$40.00} as well. My XXXX XXXX XXXX XXXX bill pay and checking account records clearly show that I have made every payment on time since I obtained the mortgage, as well as my {$490.00} additional payment for escrow shortage. This is the second similar issue ( the first was partially resolved ) of the same type. I have made all of my mortgage payments, and Mr. Cooper continues to misplace the money and negatively affect my account and credit score as a result.
Company Response:
State: IL
Zip: 60532
Submitted Via: Web
Date Sent: 2022-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-05
Issue: Trouble during payment process
Subissue:
Consumer Complaint: The original mortgage was with Bank of America. The mortgage was sold to a XXXX XXXX XXXX XXXX. In XXXX I had a XXXX XXXX bankruptcy and had several incidents with this mortgage company. The bankruptcy was completed and discharged in XXXX. After discharge and in XXXX, XXXX XXXX increased my mortgage payments and when I inquired as to why, I was given an answer that the monies was for a motion that was filed by an attorney during bankruptcy and other fees. I told them they could not charge for items that were taken care of in bankruptcy after a discharge ; however, they refused to rectify the problem. I have requested each and every month that the company send me a monthly statement of which they have not done. Each month, I create my own mortgage statement with a copy of the check attached. Each year they state that my escrow is short monies and I have paid each shortgage in one lump sum. This year my home owners insurance decreased ; however, they maintain that the payment does not change. I do not receive any correspondences from them with regard to any payments or deficiences with the exception of the end of the year statement. These people have their own method of calculation of payments which are grossly incorrect and result in thousands of dollars being added to a mortgage that should not be charged. This company has been sued in the State of New York for deceptive practices.
Company Response:
State: GA
Zip: 30213
Submitted Via: Web
Date Sent: 2022-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-04
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: TO WHOM IT MAY CONCERN. As you requested that your office be updated on this case. As of now the sale date XXXX of XXXX. Mr Cooper requested all information to do a modification. All the information reqtired for the modification has been sent mr cooper. The problem is that Mr copper has not requested for the court to extend the sales date. To allow the needed time to finish the modification. We are writing to you to help us request an retention date., .We are still working with XXXX XXXX XXXX We need time to complete with that. To enable us to save our home. The court appointed a mediator. The court mediator did everything to have a work out. The bank will not corporate. The bank came up with a monthly payment of over $ 7000 monthly. Knowing very well that is not practicable. The court mediator approve for us to go to the XXXX XXXX We are now working with XXXX XXXX. They said that they will need 60 days to finish the process. Please see some of the correspondence with the XXXX XXXX. The bank now have refuse to give us the time to finish the process. They have refuse to change the sale date. The XXXX of XX/XX/2022. Please see the court information. We are appealing to your office to help us to appeal to the bank to allow the process with the XXXX XXXX And the bank recent request for all our documents to do a modification. We just forwarded all the bank requested information to the bank. The bank need to extend the sale date to allow all this process. Our situation is urgent. We appeal for your office to help us. The bank has one goal in mind., That is to write off XXXX XXXX XXXX in there tax return. They have compounded interest and other charges in the principal of the original loan amount. In hope that you will came to our rescue. Thanks in anticipation. XXXX XXXX and XXXX XXXX. XXXX XXXX XXXX XXXX XXXX Connecticut, XXXX. XXXX XXXX XXXX and XXXX XXXX
Company Response:
State: CT
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-09-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-02
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: Good day, once again, XXXX the company that you had pay XXXX XXXX in fines, and redress to customers in XXXX, continues to erroneously code payments incorrectly. I was making my next to last monthly payment of XXXX for XXXX to include my principal, and escrow payment. I was scheduled to make my last payment in XXXX after they had sent out my tax payment to XXXX XXXX taxes of XXXX dollars. I purposely delayed paying off my home because of the thousands of complaints filed against this company of fraud, and tying up deeds, and escrow refunds. I had agreed with XXXX on Friday, XX/XX/XXXX, to make a regular payment, then payoff my home in XXXX. Mr. Cooper sent it all to my principal, paying off my loan, and offering no information on escrow, pay off, or anything else. I am a single mother who lost her job, in XXXX, and have been struggling for years. I do not have the XXXX dollars lying around to pay my own taxes while they pay me back my escrow at their leisure. Please help me. I need my payment recoded, or them to pay the taxes early as I know that they have already received the statement. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Georgia XXXX. Loan number XXXX. I can be reached at XXXX, or XXXX. Thank you for your time. Please do not close this complaint again, they did not help me
Company Response:
State: GA
Zip: 30281
Submitted Via: Web
Date Sent: 2022-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-02
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Like most Americans I was effected by the pandemic with a decrease in income. I applied to my mortgage company requesting a modification. I was denied a modification due to the calculations raising my payment. My lender then put my past due from the forbearance into a deferral and I was due for a payment XX/XX/2022. My lender did not advise me of this. I did not receive any telephone calls or written correspondence from my lender. I never agreed to any plan, my lender did not get my permission. I now am 3 months behind due to not being made aware that payments were resuming. When I contacted my lender I was told that I could begin a repayment plan for 3-6 months. I was on a forbearance for 18 months, this will dramatically raise my payment beyond what is affordable. I was told to reinstate, I was going through a COVID hardship and do not have that much money saved up. I was told I could engage in a short sale or deed in lieu. I do not want to lose my home. I feel like my lender used the pandemic to put me in a horrible position. I now have to reinstate or agree to pay my loan plus my past due of 3 months for the next 3-6 months. I do not feel my lender has helped me at all. I have included the letters that have been sent.
Company Response:
State: FL
Zip: 33458
Submitted Via: Web
Date Sent: 2022-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-02
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: all three credit bureaus are reporting that I have a balance. I have paid my mortgage off and have XXXX balance. Also, all three bureaus are reporting that I was 30 days late and I was given a foreberance for that month
Company Response:
State: MS
Zip: 387XX
Submitted Via: Web
Date Sent: 2022-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-02
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have three mortgages with Mr. Cooper, which I pay online. For some reason, when I made the three XXXX payments, Mr. Cooper 's system only processed two of them. When they notified my by phone of the problem, I immediately made the missing payment by phone. I also proactively submitted my concern to Mr. Cooper 's Research Department to ensure that a late payment was not reported. unfortunately, although I have not heard from their Research Department, they have now reported this payment as 30 days late. I would like this late payment to be reversed on my credit reporting, as I did make the payment on time online ( though their system apparently didn't process it ) and immediately made it again upon being called by Mr. Cooper. The loan number is XXXX, and the address is XXXX XXXX XXXX XXXX XXXX, PA XXXX Thank you. XXXX XXXX
Company Response:
State: PA
Zip: 19143
Submitted Via: Web
Date Sent: 2022-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-03
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a account under an open end consumer credit plan as late for any purpose.
Company Response:
State: FL
Zip: 33415
Submitted Via: Web
Date Sent: 2022-09-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-01
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: I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THAT I WAS NOT LATE ON THIS BUREAU & XXXX HAS IT INCORRECTLY REPORTED IN MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT all information which can not be verified. Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO " CORRECT '' THIS ACCOUNT. XXXX XXXX Date Opened : XX/XX/2017 Balance : {$0.00}
Company Response:
State: NY
Zip: 10977
Submitted Via: Web
Date Sent: 2022-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-01
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: XX/XX/XXXX to current there is a lot going on to summarize I am being forced into foreclosure no fault of my own. I have lost my loan to purchase a home because of this mortgage that is not in my name yet. It has been sold 4 times from XXXX XXXX XXXX XXXX XXXXand now RightPath servicing XXXX I have provided all documentation and everything asked previous companies dont give the files so I have to start back at 1 every time. Now I have been providing files since XX/XX/XXXX via email and my app uploads and the files are denied then I turn in the same files numerous time then it accepted half the time they wont speak to me and wont accept any payments my credit history is not being acknowledged I am forced to their terms they wont accept cash offers of {$30000.00} or borrow assistance money. Then they call me saying yes we have all we need but I am still in the first stage of modification which was my only option they wouldnt allow me to refinance in my name and start fresh forced to their terms. When I tried to sell the home and move on it was selling for less because its not worth XXXX and I was told I owe the rest. I am going broke fixing things that they wont cover under the home insurance but I still owe the back mortgage of {$10000.00} that I cant make payments on. My realtor told me last Wednesday when I showed her the house and whats going on that whats happening is illegal I just need help to stop stress I told them Im not give the same files that you already have again if the process cant move forward I have to take legal action. Then I was called again to turn in the same files I refused. They also make calls to non owner speaking about my house so they called me on 3way asked them to not call their phone about her house just call her. I had XXXX in my savings and have put XXXX into this house that is about to be taken from me for no legal reason I have purchased and sold a house faster then whats going I have gave it all the time I could I just want to be treated fairly but this is discriminatory and I never use that term but is obvious. Help me move forward please
Company Response:
State: OH
Zip: 454XX
Submitted Via: Web
Date Sent: 2022-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A