Date Received: 2022-07-05
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I am opening a 2nd case as the first case opened with CFPB ( XXXX ) which was closed and 1 ) My mortgage company ( Mr. Cooper ) did nothing except to send the exact same data from their initial letter they had sent to me initially notifying me of the increase ; and 2 ) The contact XXXX XXXXXXXX ( the contact from the response from Mr. Cooper Mortgage ) Company did not respond to numerous email and phone messages ( on XX/XX/XXXX, XX/XX/XXXX ( twice ), XX/XX/XXXX and XX/XX/XXXX and emails ( XX/XX/XXXX and XX/XX/XXXX ) ; and 3 ) Did not provide an thorough review to justify the increased monthly payment. My Home owners insurance went up with the last company and I received a decreased monthly payment as well as a refund from the previous year. Mr. Cooper Mortgage Company needs to provide a thorough and complete detailed escrow analysis ( Re-evaluation ) justifying this excessive escrow and hence increased mortgage payment. I had also asked repeatedly in my final message to tell me how to remove the escrow account so I could pay the insurance and taxes myself and the point of contact given does not respond to emails or phone calls! I twice told him I would be opening up a new case if no response was received. My taxes did not increase enough to justify this increase and the insurance is the same as it has been for going on XXXX years. See attached previous XXXX XXXX escrow analysis.
Company Response:
State: MD
Zip: 21701
Submitted Via: Web
Date Sent: 2022-07-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-05
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Wrong late payment reporting post forebearance, 90 - 180 days late for XXXX, XX/XX/XXXX and XX/XX/XXXX. This debtor has not received mortgage statement billings from Nationstar/Mr. Cooper since XX/XX/XXXX. Debtor was capable and willing to make payments post forebearance, but did not receive information about the program and most importantly, when it would be ending.
Company Response:
State: CA
Zip: 958XX
Submitted Via: Web
Date Sent: 2022-07-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-05
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Payoff I originally sent the payoff to Righpath Mortgage, the servicer for Nationstar Mortgage, XX/XX/22. I followed up eight times since XX/XX/22. Rightpath Mortgage is saying that since the account is in bankruptcy, they need fees and costs. It has now been 11 business days. Still no payoff. The client can not sell the house and pay off the mortgage without the payoff.
Company Response:
State: MD
Zip: 21214
Submitted Via: Web
Date Sent: 2022-07-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-05
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: On XX/XX/XXXX I signed a mortgage note and gave it to XXXX XXXX XXXX XXXX ( XXXX ). XXXX went out of business by XX/XX/XXXX and did not assign a note to any entity. Then XXXX XXXX XXXX XXXX claimed that it was the servicer of my loan and XXXX XXXX was the owner of my mortgage without proof. In XXXX of XXXX the loan went into default. On XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( MERS ) assigned the note and mortgage to XXXX with having a power of attorney, On XX/XX/XXXX Chase created the Affidavit of Lost note, On XX/XX/XXXX Chase assigned the note and mortgage to XXXX XXXX XXXX XXXX ( XXXX ). On XX/XX/XXXX XXXX filed for foreclosure with the assignment of XX/XX/XXXX, the Affidavit of Lost Note of XX/XX/XXXX, and the Assignment of XX/XX/XXXX. On XX/XX/XXXX XXXX transferred the mortgage to RIGHTPATH Servicing ( RIGHTPATH ). Now RIGHTPATH claims that XXXX XXXX is the owner of my mortgage which negates XXXX, XXXX, and XXXX 's claims about the assignment of XX/XX/XXXX, the affidavit of lost note of XX/XX/XXXX, and the assignment of XX/XX/XXXX. Sometime in XXXX XXXX fabricated a HAM Agreement of XXXX in which a notary public forged my signature. I am trying to get to the bottom of this chain of fraud and figure out who owns my mortgage with proof.
Company Response:
State: NJ
Zip: 077XX
Submitted Via: Web
Date Sent: 2022-07-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-04
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My mortgage company ( Mr. Cooper ) attached extra money to my payment to cover shortages in my escrow account. Shame on me as I should have explored this more thoroughly. I assumed since everything has increased so did my property taxes and insurance. After the second time I got hit with a shortage I started to investigate and found payments were made to people I have never heard of. As soon as I found out about this I contacted my mortgage company ( around XX/XX/XXXX ). The mortgage company told me they would look into the issue. When I never heard back I called again. This time I was told that they were trying to contact these people with no luck and that maybe I should do it myself. Of coarse I informed them that that was their job not mine. When I called a third time they were blunt that it would be my problem to contact this people and get THEIR money back! I called again last week to ask where my case was and I was told to call them on break at work to remind them to call these companies. This company bought my mortgage approximately 2 years ago and their customer service is the worst ever. below are the erroneous payments that I have paid from my escrow account. XX/XX/XXXX XX/XX/XXXX {$770.00} XX/XX/XXXX XXXX XXXX XXXX CO {$1900.00} I typically pay extra every month to pay down my mortgage but have not since they raised my payment to cover these escrow overages. So this has significantly affected my payoff. Maybe that's what they want. Please provide assistance on how to recoup these funds. Thank you XXXX.
Company Response:
State: AZ
Zip: 85383
Submitted Via: Web
Date Sent: 2022-07-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-04
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Original loan company sold to XXXX XXXX XXXX and the same exact issue is occurring where we are making additional principal payments and they are not being applied. Instead they are being applied as extra payments and changing our due date to XXXX when in fact we have a bi-weekly auto payment set up. We have spoke to customer service and even the escalation department and no one can help us. The reason that we are making additional payments to principal so that we can reduce the years of the loan. Can you help us. We have being going through this for two years and no resolution. I can be reached at XXXX. They have roughly {$12000.00} that need to be applied toward the principal.
Company Response:
State: PA
Zip: 194XX
Submitted Via: Web
Date Sent: 2022-07-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-03
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Refer to complaint XXXX this is not resolved. Do the math. Get all payments from XXXX before loan was transferred to you, and yours, add it up, and figure it out. My escrow is still way too high. Reduce my payment and give me a refund on the escrow overage.
Company Response:
State: FL
Zip: 33991
Submitted Via: Web
Date Sent: 2022-07-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-02
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I received a loan modification in XXXX or XXXX and was making payments. I received an offer to place my monthly payments on hold because of COVID 19. The payment were suspended for a period of 1 year. I received a call a year later demanding all back payments to be paid in a one lump payment. I explained that I was XXXX year living on a fixed income and could comply with those demands. I requested a loan modification. the sent mailed a package out i submitted it an the after 6 months or longer the denied the modification.
Company Response:
State: GA
Zip: 30034
Submitted Via: Web
Date Sent: 2022-07-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-02
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: This complaint is directly related to Nationstar XXXX XXXX CO, Mr. Cooper, who will referred to as The Company. Consider this a follow up complaint to my original complaint filed XX/XX/2022 with The Company - XXXX. The required timeframe for a prompt response has expired. I spoke with a representative of The Company on a recorded line who confirmed the delinquency was a direct result of The Company 's illegal and harmful communication practices. The representative confirmed that I would be contacted by a supervisor of The Company which did not occur within 30 days. The Company failed to notify me of current balance due upon purchasing my loan ; The Company failed to notify me that a scheduled payment had been rejected within a reasonable timeframe ; The Company failed to accept my payment without reasonable explanation within 14 days of rejection ; The Company failed to notify me of payment rejection within XXXX hours of failure ; The Company would not allow me to make a payment within 30 days of purchasing my loan ; The Company failed to respond within the required timeframe for a verbal complaint ; The Company failed to deliver notice of delinquency prior to 30 days late ; The Company delivered libel reports to credit agencies despite The Company being responsible for delinquency ; The Company refuses to respond to multiple attempts to correct The Company 's error. Mr Cooper will now be required to relay all future communications regarding my mortgage by written mail as well as responding to this CFPB complaint. I have also served a final notice for The Company to correct their reports. Without a prompt response from the Company, this complain will be escalated to civil court.
Company Response:
State: AZ
Zip: 85249
Submitted Via: Web
Date Sent: 2022-07-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-30
Issue: Trouble during payment process
Subissue:
Consumer Complaint: This complaint is in reference to case # XXXX and # XXXX which have been closed due to resolution. This case is not closed due to the fact that they stated that the reason the PMI on my loan should not be taken off is because this is a second home. When we purchased the home XXXX years ago it was, but we live in the home 100 % now. This is our primary home which meets the requirements of 80 % balance of the original value of the original sale price. The company has been coming up with reasons to not take off the PMI and coming up with bogus numbers to not take off the PMI. Why doesn't someone reach out to me before they send a " supposed resolution '' to CFPB? We still fall under the Federal Homeowners Protection Act and I will follow this complaint with the company until I get my just due. I want the PMI taken off of our loan due to the fact that we meet " ALL '' the qualifications to remove the PMI.
Company Response:
State: SC
Zip: 295XX
Submitted Via: Web
Date Sent: 2022-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A