Date Received: 2022-08-03
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: Bankruptcy judge ordered modification on second mortgage while first mortgage was in XXXX XXXX. Finalized bankruptcy last year, but no contact from second mortgage servicer company since declaring bankruptcy XXXX years prior in XXXX. When second mortgage servicer, Mr. Cooper did finally respond, they demanded the full amount. They are now stalling for the highest interest rates through " the paperwork shuffle '', where they allow documents to expire and force you to begin the process over. I am attempting to apply for a modification, now a second application since early XXXX. They omitted IRS tax form 4506T, a form that expires every 6 months, they know it and omitted it. When I emailed them yesterday, they responded by confirming my request for IRS tax form 4506C. XXXX was the original servicer on my first and second mortgages, and pulled XXXX years of loan modification " paperwork shuffle '', from XXXX through XXXX, which forced me to force them through bankruptcy to work with me. The first mortgage is resolved, happy and current, but that second one knows I can't use bankruptcy again.
Company Response:
State: WA
Zip: 983XX
Submitted Via: Web
Date Sent: 2022-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-03
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Respondent : Nationstar Mortgage d/b/a Mr. Cooper XXXX Texas XXXX Petition for equitable relief, equity will not suffer a wrong with out a remedy, and I have been wronged. On XX/XX/XXXX I sent a conditional offer to respondent 's alleged debt in the amount of {$4000.00} upon proof of validation/verification of the alleged debt. On XX/XX/XXXX I sent an offer along with 2 negotiable instruments with very specific instructions as an attempt to offset the alleged debt. My negotiable instruments have not been applied to the alleged debt nor have they been returned. On XX/XX/XXXX I sent another conditional acceptance of the respondent 's offer upon receipt of specific documentation validating the debt. On XX/XX/XXXX I received an offer from respondent for payment refuting my allegations of not being provided information to submit a debt validation request. However, the XXXX XXXXnformation that I requested was not provided on any statement I received. XXXX sent another offer on XX/XX/XXXX refuting my XX/XX/XXXX offer without returning my negotiable instruments acknowledging that only a check for {$1300.00} had been applied to my account. On XX/XX/XXXX I sent another conditional offer upon proof of claim that a valid debt exists. On XX/XX/XXXX a final notarized QWR offer was sent to respondent. The respondent has yet to provide said XXXX XXXX XXXX XXXX XXXX XXXX ) that can easily prove that an actual loan was given from " assumed '' lender to " alleged '' borrower. While a signed note is legally valid and enforceable against the signatory and the unsigned party can't be legally held accountable to the terms of the contract, what is so difficult about showing the accounting and proving the actual debt? Unless the accounting will prove there is no actual loan because there was no actual currency given? Unless my original note was securitized without my knowledge, indorsed by the bank and used as a deposit on their accounting ledger to fund my own " loan ''? And thus, I signed the note without full discloser under fraud? Further a unilateral contract is at best an imperfect gift, and it was never my intention to give my property to the respondent and demand its immediate return. Deeds of trust/mortgages conveying an interest in property are security instruments, they are not liens. When the lien is satisfied the securities, or if converted ( sold to a third party ), their value are to be returned to the mortgagor, along with THEIR GAIN. The lender ( s ) never signed the original note because they know that whom ever signed it would be admitting to lending fraud. If my suspensions are incorrect then validate the debt by show the XXXX and this matter will be closed. What are they hiding?
Company Response:
State: FL
Zip: 32809
Submitted Via: Web
Date Sent: 2022-08-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-02
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have already filed a complaint Id XXXX. It shows Mr Cooper Responded and the status is closed. Upon checking with the County tax collector, the taxes have still not been paid. There is no correspondence, fax, or contact with them at all from Mr Cooper. I would like to follow up with this complaint. I am getting nowhere with them. The next tax season is coming up and I'd like to clear this up before a bigger mess is created. Please help me
Company Response:
State: CA
Zip: 93277
Submitted Via: Web
Date Sent: 2022-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-02
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I had a mortgage with Nationstar initiated in XXXX, and refinanced in XXXX. However, Nationstar is now owned by Mr Cooper. Mr. Cooper can not seem to identify any of my historical mortgage documents regarding the loan prior to its refinance with a different company when I call their service representatives on the phone. They do not respond to emails sent to XXXX, which is what the customer service representatives recommend to do. I tried calling a Mr Cooper service representative, and he indicated that he checked Mr Cooper, XXXX, XXXX, and XXXX, and although he was able to identify the property he could not access the loan number or documents.
Company Response:
State: VA
Zip: 20121
Submitted Via: Web
Date Sent: 2022-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-02
Issue: Trouble during payment process
Subissue:
Consumer Complaint: RightPath Servicing is threatening to place FPI ( Forced Placed Insurance ) on my home after I have provided them with a full copy of my current insurance policy. RightPath claims that two words As walls verbiage is needed SOMEWHERE within my policy and this claim is simply ridiculous and a non-acceptable reason to place insurance on my already insured property. Forced Placed Insurance is a scam used by companies like RightPath to increase revenue on an account and their claim to need As walls is fraud. I have had this same type of insurance on my property for 17 years and there has never been such a claim from a lender or servicer. RightPath DOES NOT state where in the policy this lack of verbiage is needed which further proves their attempt to impose unnecessary insurance on my property.
Company Response:
State: FL
Zip: 33458
Submitted Via: Web
Date Sent: 2022-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-03
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Mortgage Complaint Forclosure Sale Date Set for XX/XX/XXXX This is a Request for Enforcement action on Mr Cooper LLC, Mortgage Loan Co in TX. Dual-Tracking - Mr Cooper Continues to have an Active XXXX XXXX , ongoing and publicly announced Trustee Forclosure Sale date Before During and After my completed modification application was received. The sales date continues to be active according to the Trustee and public notices during and after Mr Cooper approved me for Modification. During trial payment times as well as my current pending Appeal to the modification offer. ( The Modifacation offer self expired after 14 days of the date of the offer without it being recevd by me with time to respond within 14 days. ) Cooper likely did not mail it on the date the offer was written-thus using up my days required to respond ). The CFPB examiners found servicer that sent notices of intent to foreclose to borrowers already approved for trial modifications were in violation. The CFPB found this type of dual-tracking could mislead consumers/borrowers to believe the servicer ( Mr Cooper ), had abandoned the trial modification. Because of Mr Cooper system error, I received notices to me ( From Cooper Trustee ), while I am in good standing pending loan modification proceedings saying that foreclosure would be imminent. My Appeal is also pending.. As of today, I have an active and pending appeal without any response from Mr Cooper. In a letter from Cooper dated XX/XX/XXXX, Cooper confirmed receiving my appeal dated XXXX XXXX XXXX XXXX XXXX, by FAX. ( Also USPS tracking- XXXX shows it was also delivered XXXX XXXX. The Cooper letter told me I will get a response on my appeal before XXXX XXXX- I did not. I have no response to the pending appeal from Cooper and no new re-offer do to the mod offer self expiring. YET I HAVE AN ACTIVE FORECLOSURE SALE DATE ON XXXX XXXX XXXX, - This is the Definition of Dual-Tracking. When you ask Cooper - They will tell you the sale is on HOLD but this is not true. The Trustee representing Cooper tells me in writing and on the phone the sale date is active. They also make a public announcement of this active sale date of XXXX XXXX This is disingenuous on the part of Mr Cooper. And lead to confusing and conflicting information. Who will enter into trail payments. Anyway if a pending Forclosure sale date is still active. The current foreclosure sale date of XXXX XXXX XXXX is overlapping with BOTH my pending modification approval and appeal. Cooper is Not Answering XX/XX/XXXX, Qualified Written Request signed by an Attorney. My jointly signed 6 page QWR letter has never been answered by Cooper. This Letter was jointly sign by my Attorney friend. ( Take Note : Mr Cooper Staff XXXX XXXX in a XXXX XXXX call - She told me all letters Jointly signed by ME & my Attorney will be responded to directly to me as long as the Attorney never fills out the 3rd party Authorization. Form - He never did ). Our joint signed Letter dated XXXX XXXX was signed by me. In that letter also signed by my Attorney. He tells Cooper in that letter 2 times to respond directly to me since I am signing that letter also. He told them It should be deemed Comming from me. Mr Cooper has in fact respond to ALL XXXX XXXX XXXX Attorneyletters without any problem. These past letters are also jointly signed letters. To be responded directly to me. Why change that agreed protocol is mystery. Mr Cooper has refused to respond to that important pending XXXX XXXX Attorney Letter letter signed by me. We need the answer from Cooper for historic legal continuity. My Attorney also told them in that XXXX XXXX Letter he does not represent me on any Loan Modifacation or Collection matter with Cooper. He will only will represent me in a future Post Forclosure case to recover full market value of my home should it be sold in Error under the California Dual-Tracking Home Owner Bill Of Rights law. ( Supported by Federal law also. ) State law requires WE notice Mr Cooper to self correct before we are allowed to recover damages in court for the sale. Cooper would have to sell my home in that Dual-Tracking active sale date during the modification process including appeals & other loss mitigation options. I also sent this same XXXX XXXX, letter to Cooper under my cover letter with only my signature and not the Attorneys signature-still no response from Cooper. ( This letter dated XXXX XXXX-delivered XXXX XXXX USPS - XXXX XXXX ). NO RESPONSE FROM COOPER YET. Cooper is insisting the attorney represent me. This is in violation of how hey have always handled this type of letter from BOTH Me Attorney before. This is a partial list ++. I have attached a 5 page letter with all pending matters Thank You
Company Response:
State: CA
Zip: 91326
Submitted Via: Web
Date Sent: 2022-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-01
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I am in the process of applying for mortgage assistance through the XXXX XXXX XXXX XXXX. I am working with a community organization, The XXXX XXXX XXXX XXXX XXXX XXXX, who is currently been awarded a grant to help non-English speaking homeowners, with the application submission and review process. I am eligible per the program requirements but am having an issue during the review processXXXX XXXX review team has submitted a request for an official mortgage balance statement to Mr. Cooper, my mortgage servicer. However, Mr. Cooper has not cooperating and the review process is currently at a limbo. I have made several attempts to contact Mr. Cooper directly, and they have not been cooperating. XXXX has told me that they can not reach out to the loan servicer directly. My case number with XXXX is XXXX. My loan number with Mr. Cooper is XXXX. Please help. Thank you.
Company Response:
State: CA
Zip: 902XX
Submitted Via: Web
Date Sent: 2022-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-01
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I was approved for forward payment mortgage assistance in XX/XX/2022. The following month, I provided the award letter to the mortgage company, Nationstar aka Mr. Cooper, to have for their records. This letter detailed XXXX forward payments would be paid by the XXXX XXXX XXXX XXXXXXXX XXXX under the Homeowner Assistance Fund ( HAF ) program. After calling Mr. Cooper multiple times for payment status, I was told late fees and negative credit reporting would follow late payments regardless of the commitment and guarantee of a government agency sending the funds. I requested to speak with the XXXX point of contact within Mr. Cooper and I was told there was not anyone assigned to deal with HAF. I had been communicating with the Florida XXXX consulting firm and they advised that payment for XX/XX/2022 had already cleared with an email dated XX/XX/2022. However, upon calling Mr. Cooper, loss mitigation department could not locate the payment nor provide any information on funds received or when they would be posted.
Company Response:
State: FL
Zip: 33161
Submitted Via: Web
Date Sent: 2022-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-31
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: XX/XX/XXXX : Received payoff letter from Mr. Copper who is the mortgage service provider fo my mortgage. Payoff figure was good until XX/XX/XXXX XX/XX/XXXX Closed on sale of home located in XXXX, MA and closed on XX/XX/XXXX. XX/XX/XXXX Escrow company sent check via XXXX overnight to Mr. Copper. XX/XX/XXXX Mr. Cooper received check XX/XX/XXXX Mr. Copper cashed check XX/XX/XXXX Contacted Mr. Cooper and asked why mortgage has not been discharged. Was informed that payoff statement was incorrect and that there were not enough funds to payoff the mortgage. Was not provided reason for error and an explanation of how the {$1500.00} figure was reached. Informed Mr. Cooper that we would not pay additional funds until previous payment was applied to our account. XX/XX/XXXX Received notice from new service provider RightPath Servicing that account had been transferred to them and that they were demanding payment. Asked that our account being sent to escalation for resolution. XX/XX/XXXX Sent letter to escalation detailing transaction and providing documentation of payments XX/XX/XXXX Received response back from RightPath indicating they has received the letter we sent and that they did not find any errors and that we now owed them {$7800.00} to payoff the mortgage. There was no explanation as to how they arrived at this figure. They also included a new payoff statement that indicated they are charging interest for an additional 42 days after the loan had already been paid.
Company Response:
State: MA
Zip: 017XX
Submitted Via: Web
Date Sent: 2022-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-30
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Nation star bought my mortgage and then became Mr Cooper. Any time I have called this bank with an issue they will make me jump through hoops and avoid the real problem. Examples are : I called to find out why my monthly payments went up. The person I was speaking to decided to crunch numbers. I explained I'm not an accountant and asked if my insurance or tax 's went up. They refused to answer me and continued to go through the numbers. During covid all my loans where allowed to skip 3 to 6 months payments. Mr Cooper wanted to go through another mortgage type of application. I didn't go ahead with it as I believe they wanted to use that to raise the interest rate. Most recently I wanted to pay a large sum against the loan and called to be sure it all went to the principle. I was told I had to make the payment over the phone and they don't take credit cards. I had previously made a large payment and called ahead to tell them I wanted it all to go to the principle and they used a portion for a monthly payment against my wish 's. There is more and I see a lot of people complaining on their XXXX XXXX page.
Company Response:
State: FL
Zip: 346XX
Submitted Via: Web
Date Sent: 2022-07-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A