Date Received: 2022-06-29
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Loan Modification Denied with out and explanation. Per the denial letter dated XX/XX/2021. That XXXX XXXX XXXX. has reviewed you for options that would allow you to keep the property and for options that would mean that you would not keep the property and we have evaluated you for all other available options to ensure you have sufficient information to make an informed decision. Proprietary Modification Declined Short Sale- Conditionally Approved Deed In Lieu - Conditionally Approved While you provide no documentation disclosing the terms Mr. Cooper or XXXX Bank XXXX XXXX offer or NPV input used. We demand that Mr. Cooper or XXXX Bank XXXX. provide the terms the loan was reviewed for and XXXX input used additionally request review for any other programs Mr. Cooper offers as well as Standard, In-house Modification, or a repayment plan. Mr Cooper did not provide any NPV inputs, showing what the existing loan balance is, what interest rate is, what the principal and interest payment is. Please provide the full NPV inputs and why an affordable modification could not be reach. Additionally, we request that our the Brookhysers be fully reviewed for all programs including but not limited to temporary reduction, forbearance program and /or deferment program ( balloon payment ).
Company Response:
State: CA
Zip: 92881
Submitted Via: Web
Date Sent: 2022-06-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-29
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My loan servicer merged with Mr. Cooper ( aka Rightpath ), which is really the same company, and refuse to post the funds to my account, refuse to investigate my account in a timely manner, and are illegally trying to foreclose on my property. This is called stealing. Rightpath has already sent me notices of collection, potential foreclosure and threatening to post negative information to my credit reports. This bait and switch is clearly an illegal scam where these mortgage companies work together to foreclose on property at great profit to them and great loss to the people who actually live in this country. This is the forth or fifth complaint I have filed and CFPB continues to do absolutely nothing of any effect. Which is frightful because they seem to be the only governing body associated with this type of " business ''. Mr Cooper / Righpath needs to be closely examined as they are breaking numerous laws set in place to protect the public from this type of aggressive business practices. CPFB needs to handle these extremely stressful concerns as this issue has been ongoing since 2019 with my previous mortgage servicer without resolve. I have once again provided proof that my payment was received by XXXX / Rightpath and proof they they are currently trying to foreclose on my home regardless of this payment. This is illegal and needs to be stopped. According to their own letters I have 60 days before any negative action is taken but Rightpath constantly contradicts itself in an attempt to cause damage to it's customers which are the citizens of this country.
Company Response:
State: CA
Zip: 92675
Submitted Via: Web
Date Sent: 2022-06-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-28
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Mr. Cooper Mortgage You are charging me the wrong amount for my property taxes. I have spoke to numerous departments over and over about this and faxed you on XX/XX/XXXX the tax property coupons. No one corrected this or acknowledged my fax in XXXX. Yesterday XX/XX/XXXX I received an email saying my statement was ready. You ran an analysis with the wrong information AGAIN and adding to it now saying I also have a shortage. I spent 55 minutes with a man who could not answer why thus is happening and said my taxes must have changed. I went to the XXXX Department in my County and No they had not increased or changed. My County tax department pointed out that you were charging me the {$45.00} water basin fee 2 times, which is incorrect. This fee is a ONE TIME ONLY ANNUAL FEE. The {$45.00} fee is INCLUDED in the XXXX Spring installment only. XXXX + XXXX = XXXX. This was already paid in XX/XX/XXXX. The second installment is XXXX due in XXXX. DO NOT ICLUDE THE {$45.00} My total annual tax bill is XXXX On the last several statements you show XXXX. I faxed the tax department AGAIN on XX/XX/XXXX for the second time requesting this be corrected. This is a simple correction that I can not understand why it is not being addressed. Can someone actually make this correction and tell me why I'm again being thrown into a shortage AGAIN? In the last 4 months my payments have fluctuations of XXXX XXXX XXXX. Shortage PAID IN FULL XXXX XXXX XXXX My current installment is XXXX Currently- I have paid another XXXX shortage on XX/XX/XXXX but don't understand why or what made an escrow shortage. This XXXX shortage is unexplainable plus the additional monthly tax of XXXX XXXX is inaccurate. You need to correct the tax amount in my escrow You have not properly serviced my account and have not made corrections that I have requested. If you had corrected the tax error before you ran another analysis on XX/XX/XXXX there would be no shortage again. These errors in my escrow since XXXX have been made by your departments and their lack of knowledge or ability to make timely corrections. I am requesting my escrow account be brought accurate correct the tax amount and refund the XXXX shortage I paid that no one could explain why I was shortage
Company Response:
State: IN
Zip: 46375
Submitted Via: Web
Date Sent: 2022-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-25
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: My mortgage is with mr. Cooper. I was in covid-19 forbearance protection last year I was coming out of it at the end of XXXX of last year. The option I picked was I can resume making monthly payments just I can't afford my old payment of XXXX a month. With having FHA they were supposed to come back with a XXXX recovery modification with 25 % less payment and a lower interest rate to lower my monthly payment. It was supposed to be finalized for XXXX when I want to make my XXXX payment they told me to hold off until XXXX it will be finalized then I sent back numerous low modification packets they kept being sent back for the same reason because of notarization which was correct they accepted one of the previous ones if they sent me XXXX out and didn't bother to tell me. So anyway it was finalized for XXXX I made my mortgage first payment which was actually the incorrect monthly payment so then the payment came down a little bit for the XXXX payment before I could pay the XXXX payment the whole loan modification became undone after was finalized I've been in contact with them numerous times since XXXX had an expedited over XXXX times and still nothing no answer they said it became undone due to possible monies being d u e. But that is incorrect because with a covid-19 recovery modification there is no 90-day trial. Also they approve me for a disaster modification which that is not what I wanted I was supposed to be approved for a covid-19 loan modification. I made marches payment like I said before I also made them take XXXX and XXXX 's payment so I wouldn't know a bunch of money just in case and I told them I want them credit it XXXX XXXX XXXX to the new loan modification and not to the old balance I have asked them repeatedly to push this through since I was already finalized with all the correct numbers which should be 25 % less and a lower interest rate to make my payment lower than XXXX a month and also have the correct escrow numbers in there
Company Response:
State: PA
Zip: 19154
Submitted Via: Web
Date Sent: 2022-06-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-25
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: XXXX XXXX and his family had a substantial loss of income and his current monthly expenses increased, exponentially. As a result of this, he fell behind on his mortgage and it became a snowball effect that he could not manage nor control. He has since then re-assessed and corrected his financial situation and wants to save the home that he resides in, desperately. He is hoping that with the assistance of this formal complaint, that he can have an assistance file reviewed by someone in the Office of the President, or at least an Executive Response Team Member at Mr. Cooper, to have his assistance request reviewed fairly and in a timely manner.
Company Response:
State: CA
Zip: 92101
Submitted Via: Web
Date Sent: 2022-06-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-24
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Sates Attorney XXXX XXXX suggested I contact you. I have no idea if you can help us but I certainly hope you can. My Mom, XXXX XXXX, is XXXX XXXX XXXX and she has a mortgage. Since the inception of her mortgage she has continually paid her own property taxes and house insurance separate from her mortgage. About XXXX years ago ( although I just recently found out about this ), Around XXXX of 2019, Mr Cooper bought my Mothers mortgage and we began paying them. She has an approx.. {$84000.00} mortgage at 2.65 %. She has always paid her own property taxes and house insurance separately. She has never missed any payments. Somehow Mr Cooper is stating they paid her property taxes and house insurance, even though she did all along, and that she owes them approximately {$11000.00} in penalties and fees. I contacted them and they are adamant about these fees even though every month her actual mortgage payment was around {$700.00} she paid them {$820.00} a month. This seem very predatory to me. She can not afford an attorney and we desperately need your help. Her property taxes around $ XXXX, Her house insurance is $ XXXX and Mr Cooper is telling me she needs {$9600.00} in equity. This is just wrong on multiple levels. Her address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX PIN : XXXX The mortgage company is : Mr. Cooper XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Tx XXXX Phone : XXXX Account Number : XXXX It seems they are trying to take her house and we really need your assistance. We ( Mr Cooper and I ) have been going back and forth on this and they sent me ( for my Mom a letter, PDF attached.. For XXXX years. Mr Cooper did not claim her Senior Citizens discount so theyh overpaid her taxes by ~ {$4000.00} which I feel Mr Cooper owes my Mom. Please let me know if you can help. Thank You for Your Time XXXX XXXX XXXX
Company Response:
State: IL
Zip: 60467
Submitted Via: Web
Date Sent: 2022-06-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-24
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: Hello, I am currently in the process of closing on a home and I am working with Mr. Cooper to obtain my mortgage. I am also on maternity leave with full salary replacement ( 100 % paid salary ) during my leave. Earlier this week I received an email from my loan processor stating that my loan was escalated and that the underwriter was requesting that I be back at work before my loan closes. The loan processor said she was challenging this and reaching out to management on the issue. I also provided documentation that I received 100 % of my salary while on leave. I checked in multiple times this week to see the status and learn more. I was not given any transparency or visibility into the process. Finally, last night I emailed my loan processor and said that I believed what they were doing was wrong and illegal and blatant discrimination against me. This morning, on XX/XX/XXXX, my loan processor emailed me to say everything was fine and we were moving forward. They just needed documentation from my employer on the exact date when I would return to work. She did not respond at all to my email to her about their discriminatory practices. I had also requested to speak to a supervisor on this issue and no supervisor information at Mr. Cooper was provided, nor did my loan processor specifically address my email to her when I called them out for discriminatory practices. I am still worried about my close and unsure if they will delay my closing. I'm worried I will not be treated fairly during the closing process because I am on maternity leave. I am concerned and upset that Mr. Cooper would even try to hold up the loan process and discriminate against me based on XXXX ( maternity leave ). I am more than qualified financially to afford this mortgage and have been extremely honest and diligent in supplying them with all possible documentation throughout the process- even providing additional documentation that they didn't request to support my situation.
Company Response:
State: MN
Zip: 55118
Submitted Via: Web
Date Sent: 2022-06-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-24
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I had a home loan thru Mr. Cooper. It was a wrongful foreclosure and there has since been a settlement on that in my favor. I have ask to have that removed and not show as a foreclosure.
Company Response:
State: GA
Zip: 30701
Submitted Via: Web
Date Sent: 2022-06-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-23
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: On Thursday XX/XX/XXXX I called to request a payoff amount letter because I was closing and selling my house on XX/XX/XXXX. I was told it would be sent that same day to the title company. I called back on Tuesday XX/XX/XXXX because the Title company stated they had not received the letter. That day the title company stated they did not have my request from the XXXX on file and that it takes XXXX business days. I was told XX/XX/XXXX was my request day and that it will take up to XXXX business days for the payoff loan department to send the fax to the title company. I called again Friday XX/XX/XXXX to see if the fax had been sent or if we still needed to wait. I was told my request was still being processed and to call the following week. On Monday XX/XX/XXXX I called the mortgage company again and I was told the fax was sent on Friday XX/XX/XXXX. The title company stated they had still NOT received a fax. The representative then stated that he would have another copy sent that day but that also did not go through. I called back again to the mortgage company on Tuesday XX/XX/XXXX, I then was told that there were no request in their system. I got very upset and told them that was incorrect I had called both the XXXX and XXXX for request and I was told on Monday that the fax was sent Friday the XXXX and that they needed to look further. The representative then stated oh I see the request now and that the fax had not been processed or sent and they would escalate as it was the 6th day since the request. She then proceed to give me the information of a manager named XXXX XXXX. I tried calling her but she did not answer and I was taken to their representative. I spoke to one again to XXXX and he stated they did not see my request until I told them to look further and then he was able to see them. He stated he would escalate to their supervisor. I then called back on Wednesday XXXX of XXXX and was told that I would have the letter by today Thursday XX/XX/XXXX. Today is the XXXX and I just spoke to XXXX and he stated that he saw the payoff would be for XX/XX/XXXX which is incorrect as we requested it on the XXXX. He also said he would speak to the supervisor above XXXX XXXX her name is XXXX XXXX to escalate. XXXX then stated that XXXX needed to speak to a Mr Cooper to release payoff. This has now been going on for XXXX weeks and I get different answers every day and I need the mortgage to be paid off as of the XXXX. It seems like the company is trying to extend this further and further to collect more interest and that is not right as we are trying to pay them off as of the XXXX. While all of this has been going on the Title company has also called them and have not been able to speak to any managers or get a straight answer either.
Company Response:
State: MD
Zip: 20906
Submitted Via: Web
Date Sent: 2022-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-23
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: XX/XX/2021 and XX/XX/2021- Mr. Cooper reported a missed/late payment on my credit report. I have spoken with multiple different people at Nation Star Mr. Cooper. I also emailed them with emails and statements stating I made said payments. with that being said, they never corrected the issue. I am now trying to refinance my home loan and I am running into issues doing so, since there are missed/late payments on my report.
Company Response:
State: MI
Zip: 48021
Submitted Via: Web
Date Sent: 2022-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A