Date Received: 2022-08-26
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I applied for mortgage forbearance and was approved on XXXX XXXX it was explained to me that any missed payment while under forbearance will be continued to the tail of my mortgage. The forbearance ended and now I would like to continue my monthly payments as agreed. The mortgage company ( nationstar now Mr Cooper ) said that I must accept a loan modification instead and or paying a lump sum of all the missed payments while on forbearance. ( About $ XXXX ) It was explained to me yesterday that those are the only 2 options I have. And that what any agreements about attaching the missed months to the end of the loan is not doable. The loan modification effectively increases my total mortgage over $ XXXX with instantaneous profit for Mr Cooper of $ XXXX, whether or not my loan is sold in the future. I can not any advantage to taking a loan modification when that is not what I agreed to.
Company Response:
State: MD
Zip: 210XX
Submitted Via: Web
Date Sent: 2022-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-26
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My name is XXXX XXXX. I currently live in XXXX XXXX, XXXX. Several years ago, my husband and I purchased a house located at XXXX XXXX XXXX in XXXX, XXXX for the purpose of allowing our daughter to live there. She made the mortgage payments and XXXX XXXX XXXX payments as her rent. We paid the initial down payment, mortgage fees and closing costs. After that we never received any income from or paid any further expenses toward the house, but we were the legal owners. The initial mortgage was through XXXX, but it was later sold to Mr. Cooper Home Loans as of XX/XX/XXXX. My husband died on XX/XX/XXXX. I immediately sent a copy of his death certificate to Mr. Cooper informing the company of his death. Because we owned the property as tenants by the entirety, I became the sole owner of the property upon his death, and no one else held any interest in the property. In XXXX of XXXX my daughter residing in the property bought the house from me and the Mr. Cooper mortgage was paid off. On XX/XX/XXXX, nearly three months after the payoff, Mr. Cooper mailed me a check in the amount of {$1400.00}. I took the check to my bank to deposit, but was told I could not deposit it because it was made out to The Estate of XXXX XXXX XXXX and XXXX XXXX XXXX, and no account for The Estate of XXXX XXXX XXXX existed. My husband had no estate account. His assets, our home also owned as tenants by the entirety, automatically went to me, our only motor vehicle was in my name, and I was the named beneficiary to his IRA account. On XX/XX/XXXX, I called Mr. Cooper and was eventually connected to someone named XXXX in XXXX XXXX sounded like he was eating his lunch while talking to me. I explained the situation and told him I needed them to stop payment on the check they sent me and send another made to me alone. At first he argued they couldnt do that. It was company policy to do it the way they did. I said so I cant get the money owed me? He said yes, and I said well I cant deposit it as written. Would you like to talk to my bank? When I started pushing him to talk to my bank he changed his tune and started furiously typing on his keyboard, eventually telling me he had taken care of it and I should receive a new check within 14 business days. I waited three weeks, and when no check was received I called again and spoke with someone named XXXX on XX/XX/XXXX. Again, I explained the situation and was told again he had taken care of it and I should receive the revised check in 5-7 business days. That time period passed and no check appeared. I was scheduled to go on a trip beginning XX/XX/XXXX, and I put a hold on my mail until XX/XX/XXXX. Upon my return home and receipt of my held mail there was still no check for the {$1400.00}. During all this I also received a check for {$23.00}, which I mailed back to the company with a note explaining that check as well had to be made out to me only. In my held mail they had sent me a replacement check for {$23.00}, but it was still made out To the Estate of XXXX XXXX XXXX and myself. On XX/XX/XXXX I called the company again and asked to speak with someone in management. I was eventually connected to XXXX XXXX of the Executive Resolutions Team of Mr. Cooper. She listened to my complaint and assured me she could deposit the money directly in my account within 10 days. She just needed me to email her pictures of the two voided checks that read To the Estate of and a picture of a voided personal check to make the deposit. She emailed me her name and number but made no comments in the email. I return emailed her an attachment of pictures of the three voided checks. She said she would keep me informed of when those checks were voided there and she could make my deposit. When I had not heard from her by the XXXX, I emailed her to ask if there was a problem. I received no response. On XX/XX/XXXX, eight days after my initial contact with her, I emailed her again asking for an update. I received no response. Later that same day I emailed her again saying if I had not received my money by the end of business day on Wednesday, XX/XX/XXXX, I was going to file complaints with every watchdog agency I could locate and possibly take legal action, requesting interest on my money they have held for five months as well as legal costs. In summary, Mr. Cooper Home Loans owes me a total of {$1400.00} which they are refusing to pay.
Company Response:
State: FL
Zip: 339XX
Submitted Via: Web
Date Sent: 2022-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-26
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: My mortgage company Union Pacific Mortgage closed their doors abruptly. They turned over payment history to XXXX. I paid Union Pacific Mortgage through their company all the way to XXXX. Then started making payments to Mr. Cooper/ Nation Star in XXXX. I was never behind on my payments. Due to reporting only until XXXX and I making my payments through XXXX, Nation Star reported me as delinquent and I wasn't. When I contacted them about the discrepancy, they told me because I was in Bankruptcy my payments are posting late. They told me I wasn't behind it was my bankruptcy. Then they reported me 90 days due when I was not past due. Not only did I have to pay three mortgages I already paid to keep my house over their errors, they are reporting me as derogative on my credit report now XXXX XXXX XXXXXXXX. I haven't been with this company since before the pandemic started in XXXX On top of that, Mr.Cooper/Nation Star is listing my debt as discharged due to bankruptcy on XXXX. My home loan was never in the bankruptcy.
Company Response:
State: OH
Zip: 45248
Submitted Via: Web
Date Sent: 2022-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-25
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Our property taxes have been delinquent since XX/XX/XXXX. They are escrowed into our mortgage. My mortgage payment went up over {$200.00} due to an increase in insurance and property taxes. I have dealt with NUMEROUS people through Mr. Copper ( our mortgage company ). They have said we will get this resolved and handled ASAP. Its been a month and a half since first finding out and dealing with them, and NOTHING has been done. They keep saying they sent in payment in XXXX XXXX to My tax office. I have spoken to the tax office NUMEROUS times to find out they have not submitted any payments. The amount owed has gone up significantly due to interest. The mortgage company continually says they will get back to me on a certain date an NEVER actually do. When I try and follow up I can NEVER get the same person on the phone and have to start over with someone new. Again we have been paying more to the mortgage company to find out they arent paying. Our tax office is so EASY to get ahold of and fine out whats outstanding, but the mortgage companies acts as though there is miscommunication somewhere because the tax office has confirmed the taxes have been paid, there words to me on one specific occasion. I have been informed recently that the attorney that my tax office has hired will be taking the case to court effective XXXX. XXXX, 6 days from now, if they are not paid. As of today XXXX XXXX NOTHING FROM MR. COPPER.
Company Response:
State: TX
Zip: 751XX
Submitted Via: Web
Date Sent: 2022-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-25
Issue: Trouble during payment process
Subissue:
Consumer Complaint: So I have been so much with mr cooper over the years. I was in forbearance and I was told after forbearance the past due would be put at the end of the loan. So after months of trying and trying the DEO of Florida which oversees the government back homeowners assistance fund finally approved me for my back pay and 12 months of future payments. Sent them the letter and I believe XXXX I think they are payee for DEO sent them the payment which took weeks and it just sat in Mr. Coopers account along with everyone else on this program. After all this it still shows me two payments behind XXXX and XXXX with XXXX due coming, what is the matter with them? I never dealt with such a XXXX corporation in my life. Nothing else comes close. If you look at the payment history recently it is so confusing when you look at it. They cant even read it right I am sick of them controlling my life and it makes me XXXX all the time. They always say they want to help you. But I always feel they get angry when your getting help and they want you to fail. I have been on XXXX XXXX XXXX in XXXX before and you would think someone would of watched it but I guess they didnt.
Company Response:
State: FL
Zip: 34711
Submitted Via: Web
Date Sent: 2022-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-25
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX DC XXXX Mr. Cooper Loan Number XXXX Dear Sir/Madam , I'm writing this letter to file a complaint against my mortgage company Mr. Cooper ( Nationstar Mortgage Holdings Inc. ) , as I feel I've been a victim of predatory business practices. I'm currently in XXXX XXXX bankruptcy. My mortgage and auto loan are not in the XXXX. Back in XX/XX/XXXX, I got 3 months behind and requested a repayment plan. My XXXX attorney wanted {$1000.00} to do this ; however, I didn't have the funds. So, she instructed me to deal directly with Mr. Cooper 's appointed lawyers ( below ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX ) XXXX XXXX I negotiated a repayment plan with them ( Please see attached email and Motion for Relief ). I signed the document and sent the document back. I agreed on making my regular mortgage payment, plus an additional payment of {$890.00} till XX/XX/XXXX to cover the past due balance, plus they added close to {$1500.00} in 'junk fees ''. However, a few months later, I had a lawyer review the document. She informed me that the paper I signed wasn't just for the repayment plan ; it also included that I waived my rights, and they could fast-track a foreclose. Neither my lawyer nor Mr. Cooper 's attorneys ever told me that -I was waiving my rights. If that had been cleared, I would never have agreed to the repayment plan. ( I tried reading the document ; however, I must agree the legal language was beyond my comprehension ). I'm sure Mr. Cooper knows there is plenty of equity on the property, and I assume that's why they pulled a fast one to take advantage of my situation. In XXXX, I got approved for Emergency Mortgage Assistance through XXXX XXXX, CO ( please see the approval email and communication ). On XX/XX/XXXX, they mailed Mr. Cooper a check ( check number # XXXX ) through their bank for {$6000.00}. According to Mr. Cooper, they never received the check, which is untrue as according to the XXXX XXXX Emergency Mortgage Assistance Advisor ( XXXX XXXX ), Mr. Cooper not only received the check but also even cashed it. I've spent many hours with Mr. Cooper with no luck. Recently The XXXX XXXX Emergency Mortgage Assistance emailed and faxed Mr. Cooper a copy of the cleared check. As per Mr. Cooper 's representative " XXXX '' ( out of AZ ( XXXX ) XXXX ), she is going to request an investigation, and she couldn't tell me how long it would take. My take on this is Mr. Cooper intentionally did this so they could start a fast-track foreclosure ( as I mentioned earlier, how they duped me in signing ) as there is a good amount of equity on the property.
Company Response:
State: CO
Zip: 80602
Submitted Via: Web
Date Sent: 2022-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-25
Issue: Took or threatened to take negative or legal action
Subissue: Seized or attempted to seize your property
Consumer Complaint: In the interest of my Name and Property, Nationstar Mortgage LLC, dba Right Path Servicing, Mr Cooper, Community XXXX XXXX formally XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX and Authorized Rep XXXX XXXX attorney/debt collector. Have taken actions that are a violation of the FDCPA, FCRA. In relation to their collections practices of an alleged debt. The companies addressed here have violated the cease and desist notice sent their respective offices by registered mail that the debt is disputed and ordered to cease reporting misleading information on my consumer reports and communication with me unless they were to provide proof that a debt was valid and the law that relate to the alleged debt was not followed applicable in dealing with such a matter. By further mailing of statements and harassment letters from the attorney 's office listed above and unauthorized furnishings of transaction history and experiences between myself and the parties violates 1681 ( b ) 1681 a ( i ) permissible purposes and exclusions of certain information on a consumer report. I am holding these companies accountable for violation of 1692 e ( 2 ) The false representation of the character amount, and legal status of a debt. 1692 e ( 4 ) The implication that nonpayment of any debt will result in seizure or sale of property, 1692 d, 1692 f by communicated use of the attorney, listing my property and name in public notice of foreclosure as a delinquent debtor, has caused damages to my reputation as a natural person consumer, that will grossly affect my ability to do business and be provided housing whether it be lease rent or owning without being denied as a consumer. Under the XXXX usc 1692 and 15 usc 1681 s-2 ( a ), 1681 c, 1681 n, 1681 o, 15 usc 1681 n ( 1 ) ( A ), ( B ) ( 2 ), and ( B ) ( 3 ). These companies have caused injury and have failed to deliver the name and address of the original creditor so that I may be able to validate their claims to a debt and actions. I have not given any consent to the actions being taken against myself or personal property.
Company Response:
State: TX
Zip: 78155
Submitted Via: Web
Date Sent: 2022-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-23
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: On XX/XX/XXXX my husband and I were given a verified pre-approval letter by Mr. Cooper for XXXX. On XX/XX/XXXX we were given an updated verified pre-approval letter by Mr. Cooper for XXXX. Mr. Cooper stated that this letter meant that we were through underwriting and our income, our financial statements, and all other income related items were reviewed. Our Loan Offer, XXXX XXXX stated this letter was " as good as a cash offer ''. We proceeded with the home buying process for XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. We offered XXXX ( which was well below the ceiling of our approval ). We ordered and paid for a home inspection, paid an escrow deposit, paid a holding deposit home insurance ( California XXXX XXXX ), paid for the appraisal, the seller updated the septic tank, and made updates per the appraiser, and moved out of the property in anticipation of the upcoming close. We were set to close on XX/XX/XXXX. On XX/XX/XXXX, one day before the close of the home, we were told we were denied due to my employer type. I work for a XXXX XXXX XXXX ( XXXX XXXX ), and the Loan Officer told me the underwriter excluded my income. I had the same employer throughout the entire process. Nothing changed from the time they issued the " verified pre-approval '' until they rejected my income on XX/XX/XXXX. We spent one month working towards the close of the property and Mr. Cooper never once mentioned that my employment type or length of employment was an issue. This is poor business.
Company Response:
State: CA
Zip: 90660
Submitted Via: Web
Date Sent: 2022-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-22
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I had my mortgage with freedom mortgage since XXXX of XXXX. Prior to that, I had been paying my mortgage to XXXX XXXXXXXX. I have never missed a payment or was never late to make payments. I had my ACH set up with the companies for the past 5 years. Freedom mortgage sold my mortgage to Mr. Cooper in XX/XX/XXXX. I wasn't aware of this and as such, there was no ACH set up. I got aware of this situation in XX/XX/XXXX and as soon as I found out, I paid the entire amount ( approx. {$11000.00} ) the same day with Mr. Cooper. It was an honest mistake and Mr. Cooper 's representative told me they can dispute my credit and fix this mistake as they reported this. However, I called to confirm this, and they denied that they can fix this issue and were not at all helpful in navigating and helping me find a solution. They were very dismissive and they didn't have this same attitude when I initially called to make payment and set up the ACH. I am looking for help in figuring out how to fix my credit. Thank you so much!
Company Response:
State: NJ
Zip: 07109
Submitted Via: Web
Date Sent: 2022-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-22
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I began the process to remove my monthly MI by contacting my servicer, Mr. Cooper, in XX/XX/XXXX. Mr. Cooper lacked communication throughout the process and often had long periods of absolutely no contact whatsoever. Mr. Cooper customer service agents gave me conflicting information every time I called, though one of the agents finally informed me that I was able to order my own appraisal since their appraiser grossly undervalued my home, which was attested to numerous professionals in the real estate industry. After I received and submitted my own appraisal report on, Mr. Cooper replied on XX/XX/XXXX that they received my appraisal but now my value does not meet XXXX XXXX 's 75 % LTV requirement since my loan seasoned for 2 years on XX/XX/XXXX. At no time did Mr. Cooper say that I had a timeframe to work within, and communication prior to their denial on XX/XX/XXXX they informed me that my value need to come in at $ XXXX. A final call to Mr. Cooper on XX/XX/XXXX resulted in XXXX in the Mr. Cooper escalation department admitting that Mr. Cooper did not provide proper information in an appropriate time frame but they could not do anything without an exception from XXXX XXXX. I spoke with XXXX XXXX today, XX/XX/XXXX, and was belittled by a woman who refused to escalate my case and, after arguing with me rather than even attempting to assist me, HUNG UP on me! This is not right. Even though I was not aware of the timeframe until after the fact, I still had 5 months to have the MI removal to process. There is no reason why this process should have now taken 6 MONTHS only to end in a denial because my loan hit the 2 year mark.
Company Response:
State: HI
Zip: 96825
Submitted Via: Web
Date Sent: 2022-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A