Date Received: 2022-05-25
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My name is XXXX XXXX XXXX, married to XXXX XXXX XXXX XXXX, deceased military I am a widow, I am XXXX, I am XXXX XXXX XXXX and I am a US naturalized citizen immigrant from XXXX. My daughter owns a home at XXXX XXXX XXXX XXXX, XXXX NM XXXX and is her residence, We are sued for foreclosure for a second mortgage that was kept open according to what our prior attorney said, and that the sellers after giving title away on a closing on a XXXX on XXXX worked out a loan mod refi or forebearance with XXXX XXXX XXXX, increasing the debt which was not allowed per the escrow officer XXXX XXXX XXXX XXXX and XXXX XXXX ( alttorneys for the seller and their drafted contract ). attached This is a loan that we were told XXXX XXXX ( seller ) aka XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXr they sold the house and placed title in escrow with XXXX XXXX aka as XXXX XXXX, with title insurance by XXXX XXXX, It appears they used title companies ( XXXX ) to buy other homes and also acted as mortgagors on homes they flipped inflorida and did not make their payments to XXXX XXXX XXXXXXXX but went applied for help or loanmods. We ade our payements until the house was paid off per our contract which ONLY spells paying off the countrywide original loan acquired by XXXX XXXX XXXX we never were told of a second mortgage open loan by title and our contract paid off the originalfirst mortgage Apparently XXXX XXXX XXXXXXXX sold the loan that was altered to mr cooper and we did not know the loan amount balance or anyting as we are not priviledged on the loan. The went to foreclosure and they have failed to recuperate or state the judgment from the mortgagors XXXX XXXX and XXXX XXXX for more tha 10 years and is so staled that mr cooper can not recuperate and HUD even gave XXXX XXXX and XXXX XXXX a HUD government loan to them. They have lived in Florida forall these years since XXXX The address was provided in court and it appears that the lawyers are incompetent that represent the mr cooper or that the process server LIED TO THE COURT As XXXX XXXX DOES NOT LIVE IN NM BUT IN FLORIDA NEVER LIVED WITH MY DAUGHTER OR I, FURTHER XXXX XXXX IS ANOTHER PERSON IN HER FORTIES AND IAM XXXX WE ARE NOT THE SAME PERSON STOP XXXX TO THE COURT TO PROCEED TO A WRONGFUL FORECLSOURE. WE PAID THE HOME OFF THE MONEY IS AT THE COURT. IF THE BANK GIFTED BACK THE MONEY TO THE SELLER AND THE BANK CAN NOT RECUPERATE IT IS THEYIR FAULT IF THEY CAN PROCEED WITH FRAUD FOR THAT GO AHEAD, I BOUGHT THE HOME WITH MY DAUGHTER PAID ALL MY LIFE EARNIGNS AS A TEACHER STOP THE ABUSE OF LIQUIDATEORS THAT PREFER TO TAKE THE TITLE THAN A SMALL UDGMENT THAT IS DUE TO THEM MAYBE BY THE SELLERS. THE SELLLERS HAVE NO SKIN IN THE GAME SO IT APPEARS THEY COLLUDED WITH THE BANK TO EXTORT AND STEAL FROM ME, I AM A SENIOR AND I PAID MMY BILLS.
Company Response:
State: NM
Zip: 87114
Submitted Via: Web
Date Sent: 2022-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-25
Issue: Trouble during payment process
Subissue:
Consumer Complaint: This complaint is regarding a property I just purchased at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX , GA , XX/XX/2022. I am attaching information regarding a problem with the mortgage company, Mr. Cooper, who bought my loan from XXXX XXXX XXXX XXXX out of XXXX. XXXX XXXX was the Mortgage XXXX, also out of XXXX. You can see from the string of paperwork that my loan was sold to, what I now interpret as, an unscrupulous mortgage company, Mr. Cooper. I also interpret that their tactics are not 'honest mistakes '. They have been communicated with by me and XXXX XXXX XXXX XXXX XXXX XXXX and she was assured that this was resolved. They keep trying to set up an escrow account and raise my monthly payment by {$300.00}, when it clearly states that nothing is to be changed on my contract or payment amount in the sale of my loan. You would think a mortgage company knows the law concerning the purchase of a loan. We paid our insurance a year in advance and opted to pay our taxes privately too and did not contract an escrow account. For obvious reasons, they want the use of that money until tax time and intend to bully me into submission. I have spent countless hours on the phone, many of them holding for hours at a time. Their customer service is horrible. They should call their service department Customer Harassment! Then I was told it would be handled last week. I get letters every week stating that I am delinquent on payments and need to now give them thousands of dollars to 'catch up '. I have made every payment early for the contracted amount of {$1400.00}. They have not credited my payments saying that they don't accept partial payments. They did indeed put them through the bank and put them into a holding account, which account they are probably using to invest and make money while they bully me. They see my age of XXXX and probably think I don't have the brains or the courage to fight them. They're wrong. If they are doing this to me, they are doing it to others. This is elder abuse. They have been communicated with numerous times and now are offering to 'only " raise my payment by {$95.00} into an escrow account and are surely are hoping I am so beaten into submission I will just give up and go along with them. They're wrong about that too. I am today making a formal complaint to the Consumer Finance Protection Agency. This is not OK! They are telling me that they have to report me to the credit bureaus after 3 months of 'delinquent payments '. On the attached papers you can see I have made every payment on time. This comes at a time that I have had a serious and debilitating XXXX incident while I was traveling in XXXX and was in the hospital for XXXX days. I had to come home two weeks early and am undergoing therapy and tests. I want them to cease and desist from this harassment and want to know if I can sue for restitution for my time and suffering. Sincerely, XXXX XXXX XXXX
Company Response:
State: UT
Zip: 84095
Submitted Via: Web
Date Sent: 2022-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-24
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: Please forward this to XXXX XXXX , Mr. Copper, Customer Correspondence Sr. associates XXXX Address : XXXX XXXX XXXX XXXX Tx XXXX | Phone Number : XXXX Email : XXXX. It will make it much quicker and easier. Thank you. I'm fully aware the NESARA/GESARA ( National Economic Security and Reformation Act ) has been initiated. I am a victim of Identity Theft and Fraud. Having stolen ALL of my personal information, an imposture applied for a cash out refinance with XXXX on my property for over {$900000.00}. It was approved. This imposture attended an alleged closing on XX/XX/XXXX. I was then notified by XXXX XXXXXXXX of a mortgage on my property. This mortgage was sold to XXXX Bank who then filed a Foreclosure Action against me. My counsel filed a Motion For Judgment on The Pleadings and was successful in having the case dismissed in XXXX. A technical win due to the fact that the Complaint was not " Verified ''. In XXXX XXXX Bank filed the exact same Foreclosure Complaint which was " Verified ''. I have a hand writing/signature witness who analyzed the signatures on the Note and Mortgage from the alleged closing. He compared it with samples of my actual signatures for a time period from XXXX to present. His final report states that in his opinion, there is a 100 % probability that I DID NOT sign the Note and Mortgage at the alleged closing. A copy of his report is attached. I also have proof that I was not at the alleged closing, verified by Affidavits from two ( 2 ) individuals who will testify that I was with them in a different county other then the county where the alleged closing took place. A copy of their Affidavits are attached. Finally, I was in Ohio just prior to the alleged closing, visiting my Dad and a friend. To support the testimony of the three ( 3 ) witnesses, I have attached a copy of my XXXX, XXXX desk calendar showing my whereabouts. I have had to endure this for the past sixteen ( 16 ) years .... the stress, the financial hardship and as a result, health problems. XXXX Bank has gone through at least seven ( 7 ) law firms and they have continued to drag this action out hoping I will give up. They have twisted my statements and tried every legal trick in the book to wear me down. My counsel has brilliantly defended every and all attempts to separate my from my home. The Florida Supreme Court has handed down a mandate to the Lower Courts in Florida Courts to to quickly dispose of all foreclosure case by XXXX of this year ( XXXX ). The Florida SC has stipulated that ALL foreclosure trials will be two ( 2 ) hour Non-Jury Trials. My case is not your run of the mill foreclosure case. This is identity theft and fraud which will require a 2-3 day jury trial. My counsel has tried every thing to no avail. THIS IS WHY XXXX FLORIDA IS KNOW FOR HAVING THE MOST CORRUPT JUDICIAL SYSTEM IN THE UNITED STATES. The 15th Civil Circuit Court hare has reactivates old retired judges to handle all of thee foreclosure cases. All of these judges are outwardly known for their complete bias towards the Banks. My trial is scheduled for XX/XX/XXXX. I was headed into this mini trial with a win and my counsel has told me that I haven't a chance. I could write volumes about this case but you have the basics.
Company Response:
State: FL
Zip: 33404
Submitted Via: Web
Date Sent: 2022-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-24
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: XX/XX/XXXX To Whom It May Concern, I am writing to report Nationstar Mortgage LLC, dba Mr. Cooper for acting in what I consider to be bad faith. My husband and I have a VA Loan that was purchased by the aforementioned Mr. Cooper. At the time we were coming out of a Covid-19 Forbearance with our previous mortgage holder XXXX XXXX. We had accrued a total of {$16000.00} in the principal amount of {$11000.00} and escrow advance amount of {$5100.00}, for the period XX/XX/XXXX to XX/XX/XXXX. On XX/XX/XXXX we received the loan modification package from XXXX XXXX to have notarized and returned within 14 days. We also received notice from XXXX XXXX that they were selling our mortgage to Mr. Cooper as of XX/XX/XXXX. We were concerned that our mortgage modification could be in jeopardy of falling through the cracks. Being that it was late in the day XXXX XXXX XXXX, we decided to try and call both mortgage companies with our questions and concerns on Sunday, XX/XX/XXXX. Sunday, XX/XX/XXXX we called XXXX XXXX first. We were told that they could no longer be of help as Mr. Cooper took over ownership as of XX/XX/XXXX. The customer service representative suggested we call Mr. Cooper with our questions and concerns. We did call Mr. Cooper but was given a message saying they were currently closed. We called back during the week and the customer service representative could not pull up our file as they did not have our account in their system and that it could take up to another seven days before it would be in. She told us to call back after seven days. During the seven day period my husband was diagnosed with both XXXX and XXXX at the same time. My family officially went into XXXX. Around the middle of XXXX I called Mr. Cooper, and was connected with a loan specialist. She was very helpful. During this phone call she assured me that Mr. Cooper would honor my modification agreement with my previous servicer. She did need to speak to her supervisor because she was not sure how to handle the date of the agreement as we could not have a notary out while we were under quarantine. She spoke with her manager and called me back. It was decided at the time that Mr. Cooper would write up the loan modification and mail it out for us to have notarized. I was told it would take thirty to sixty days to get us the paperwork. She set up a time the following Monday evening to call and follow up with me. I was very satisfied and had faith that the company would follow through. The following Monday night came and I received no phone call, I just thought that maybe she had become busy and did not have the time to call. My next communication from Mr. Cooper was a letter dated XX/XX/XXXX. The letter was a form letter giving me the name and contact information for my new Dedicated Loan Specialist. My specialist was XXXX XXXX XXXX. The letter, also requested that I call XXXX XXXX to discuss my loan with him. So I called the number and was given the customary prompts and was directed to XXXX XXXX voice mail. In the message he asked for the callers information and he would contact them within 48 hours. I never received a phone call back from him. To this day I still have never spoken to XXXX XXXX XXXX. I left messages from him and he never returned any of my calls. The next correspondence I received was in the form of a letter dated XX/XX/XXXX. The letter was a request for us to call their loss mitigation office if we were having trouble making payments. It did say that if we had already submitted a loss mitigation application they would continue to work on it. I was concerned once again so I called on XX/XX/XXXX. I received a document dated XX/XX/XXXX from XXXX XXXX by Mr. Cooper welcoming us to their company. It had our contact information, our mortgage transfer notice, and disclosure agreements. This letter did not contain our modification papers. On XX/XX/XXXX I was directed to a Customer Service Representative and was asked if I could make XXXX payment of {$960.00}. I told him that I was able to. This person went ahead and took my payment information and processed the payment. The payment went through with the confirmation # XXXX. I was told that loss mitigation was handling the modification and connected to their voice mail. Once again they said they would return my call in 48 hours. My call was never returned. I then received a letter dated XX/XX/XXXX that contained their privacy agreement. On XX/XX/XXXX I made a call regarding a delinquency letter dated XXXX spoke with a representative by the name of XXXX who was located in the Arizona office XXXX After this call I started taking notes of my phone calls. During this conversation I requested a new Dedicated Loan Specialist. I did this because no matter when I called, his voicemail would either tell me his message box was full or instruct me on how to leave a message that was supposed to be returned within 48 hours. I left messages but never received a call back. After XXXX put in the request for a new Dedicated Loan Specialist I requested information about the modification. During that call she told me the modification papers had been mailed out. She could not access the loss mitigation department system so she could not give me a date as to when they had been mailed out. She tried to connect me to the Loss Mitigation Department but the call was rerouted back to her. She put a call ticket in with the Loss Mitigation Department for me. They were supposed to call me back within 48 hours but I never heard back. XXXX did tell me that they had set the return date for the modification package on XX/XX/XXXX. She said I had plenty of time to sign it and return it. I was told in either this call on XX/XX/XXXX or the next phone call I had with Mr. Cooper, on XX/XX/XXXX that they could not take my XXXX payment. They did suggest that I put the money separate so that I could pay it once they could take my payments. I did take this advice and set the mortgage money for XXXX into a separate savings account. On XX/XX/XXXX I still had not received any modification paperwork. I once again called Mr. Cooper for an update, and to see if I could get the modification package emailed to me. I thought if I could get the modification papers emailed to me I could get them printed out and have them notarized and sent back. I spoke with a Customer Service Assistant by the name of XXXX. I asked her if she could email me the modification papers, she told me that she could not see my modification paperwork in her computer system so she could not email them to me. She told me that the Loss Mitigation Department had stopped taking calls because they were so far behind on their work and returning the messages they already had. She did not put in a new call ticket to loss mitigation because she could see that my last request for a return call ticket was still open. I still have not received a return phone call. On XX/XX/XXXX we still had not received a phone call or any modification paperwork. I became stressed as we had a month to receive the paperwork, notarize it, and return it. I was finally connected with a Loss Mitigation Specialist. She told me that my modification had never been submitted. She wanted to know if I could pay XXXX and XXXX payment. I told her that I could. She had to get a Supervisor approval and processed my payment of {$1900.00} for XXXX and XXXX. Confirmation number on the payment was # XXXX. After the payment went through she submitted my modification request into her computer system. She told me it would take 30 to 45 days to receive the modification package. I told her I needed to return the paperwork by XX/XX/XXXX. She told me that it would be ok. As long as I continued making my monthly payments I would not lose my house. I received a letter dating XX/XX/XXXX. It told me that my home loan was overdo and suggested we may find relief from the XXXX program. We do not qualify for that program. I set it aside. Per my previous conversation of XX/XX/XXXX I thought we were ok with our modification status and payment status. On XX/XX/XXXX I received a letter that was dated XX/XX/XXXX. This letter stated that I had previously been offered a permanent Loan Modification. They letter stated they were withdrawing the agreement because they did not receive the completed paperwork within the allotted amount of time. They also notified us our loan may be in default. I immediately called and was put on hold for several minutes. I then spoke with the Customer Service Associate who put me on hold to wait for the Loss Mitigation Department. A few minutes later the Customer Service Representative came back on the line to see if I was still waiting. I told her I was and she put me back through to Loss Mitigation which put me back on hold. After about twenty minutes of being on the phone waiting for Loss Mitigation I was disconnected. I was furious and my husband told me to take a step back and call them in the morning after I calmed down. On XX/XX/XXXX I called back. I did get to speak to a Loss Mitigation Specialist. He asked if I could pay the XXXX payment. I told him I could and I made the XXXX payment of {$960.00}. I then explained the letter I had received saying they were revoking our modification. The gentleman looked into our modification. He told me that my loan modification was still in the system. He also reiterated that as long as I was making my monthly payments I did not have to worry about losing my house. I asked him if I should disregard the notice, and he replied that I should. On last Friday I received a letter through registered mail. The letter is dated XX/XX/XXXX. The letter stated that our loan was past due for the XX/XX/XXXX payment and is due for all payments from and including that date. The failure to make these payments is a default under the terms and condition s of the mortgage loan. The letter stated that we were in default for the full modification amount of {$16000.00} in addition to any other amounts that become due from the date of this letter through the date you pay. The letter stated this full {$16000.00} be paid by XX/XX/XXXX. Failure to pay the {$16000.00} by XX/XX/XXXX XXXX result in acceleration of the sums secured by the XXXX XXXX, foreclosure proceedings and sale of the property. I have not called them because I can not trust what I am told. I feel like they lied to me in order to keep getting new payments while stringing me along with my loan modification. By doing this it takes my mortgage out of the Covid-19 modification protection. This puts my loan in default allowing them to pursue foreclosure. This would allow them to sell my house while the housing prices remain higher than normal and there is a shortage of housing in the market. XXXX XXXX XXXX XXXX XXXX XXXX
Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers
State: OK
Zip: 73071
Submitted Via: Web
Date Sent: 2022-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-24
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Filing a complaint against : Mr.Cooper XXXX XXXX XXXX XXXX, TX XXXX On XX/XX/XXXX I submitted a Flex Modification request to Mr. Cooper for assistance in getting a monthly mortgage payment lowered. I utilized the Covid deferment period for most of XXXX & some of XXXX. My relief period was ending, and I was trying to decrease my monthly payment to an affordable amount. I received a letter dated XX/XX/XXXX offering a loan modification trial period plan. The letter states If you satisfy all of the terms of the offer, successfully complete the trial period plan by making the required payments, and return a signed loan modification agreement, we will sign the loan modification agreement and your loan will be permanently modified. The trial period plan required three consecutive payments of {$1700.00}. Then this would become my permanent monthly payment. I contacted Mr.Cooper on XX/XX/XXXX and spoke with XXXX. I verbally accepted the offer. The three required payments were made as follows : XX/XX/XXXX PAID {$1700.00} via phone with XXXX. XX/XX/XXXX PAID {$1700.00} via phone with XXXX XX/XX/XXXX PAID {$1700.00} via phone with XXXX XXXX # XXXX I was instructed at that time to watch the mail for the modification documents. They were to be signed and returned. It was my understanding that the next payment of {$1700.00} was due by XX/XX/XXXX. My account is usually paid through the company website at www.mrcooper.com. I watched the mail, email, and online account for communication from Mr. Cooper. The online account would now allow a payment because the loan documents were being processed. Worried something would go wrong I called via phone on XX/XX/XXXX @ XXXX and spoke with XXXX XXXX I was trying to make the required payment. I explained that I had received the mortgage document, signed it, and sent it back via the XXXX provided envelope on XX/XX/XXXX. XXXX XXXX, the system won't allow a payment until the paperwork is processed. He advised me to monitor the online account for changes. I was told that the account was in good standing at this time. Then I received a second letter dated XX/XX/XXXX which stated At least one required signature is missing from the Modification Agreement and Corrections Agreement we received, or at least one signature didnt match the printed name. It also states At least one borrower did not correctly date the Modification Agreement and Corrections Agreement we received. They enclosed two copies of the Modification Agreement and Corrections Agreement, and requested that I re-sign all documents and return them. Although I know that I am the only name on this account, and that I only sign my full name on legal documents I did as they requested. On XX/XX/XXXX I signed and mailed this second set of documents. On XX/XX/XXXX I attempted to call the customer service number in the received letter XXXX, again trying to make a monthly payment of {$1700.00}! The online account was still not allowing payments. I called three separate times @ XXXX EST, XXXX EST, and XXXX EST. All three times I followed the automated prompts and then the line would disconnect. I continued to monitor my email and the website for changes that would allow a payment to be made. NO CHANGE for the entire month of XXXX. Then on Friday, XX/XX/XXXX the status of my account changed to DECLINED! Full amount due immediately. I contacted the customer service center on Monday, XX/XX/XXXX ( the next business day ) to figure out what was happening. I spoke with XXXX who explained that they had received the signed documents and that someone had been trying to call my cell phone but I was not answering so they DECLINED the paperwork. I inquired if they had attempted to email me, she answered no. I inquired if they sent me some contact in writing via mail, she answered no. I begged her to speak to a supervisor and have the decision made on Friday reversed. I explained the dates and timeline of my communication with Mr.Cooper to the representative. I also explained that financially I absolutely CAN NOT afford to pay in full nor can I afford any amount above {$1700.00}!! XXXX took it upon herself to create the solution of submitting the same documentation used for the first Flex Modification application offer to be re-evaluated by the loan modification department. This resulted in the current offer from Mr.Cooper to commit to ANOTHER trial period of three months, however, this time the monthly payment requested is {$2400.00}! My original mortgage payment was {$2600.00}! The intent of my phone call on Monday, XX/XX/XXXX was to APPEAL the decision made on XX/XX/XXXX. I had 14 days to submit an appeal. XXXX, an employee of Mr. Cooper, dismissed this right and re-submitted my information without my consent. I attempted to contact the Customer Service Department again on XX/XX/XXXX at XXXX EST to find some help and I received a verbal message that the department is currently CLOSED. It instructed me to call between XXXX XXXX XXXX time. ( That would be XXXX hour behind me in XXXX time. ) The call was placed at XXXX Central time! I believe that I have been wronged here. I followed all requests that they made. I made the trial period payments of {$1700.00} with the intention of CONTINUING to pay this amount. I did investigate the phone number used to contact my cell phone. This phone number does not identify the caller at all AND zero voice messages were left for me! I thought the caller was spam!! It is my claim that this company had no intention of honoring the original offer sent to me on XX/XX/XXXX. They will not provide proof that the original signed documents submitted on XX/XX/XXXX were NOT signed and dated correctly. I know that I signed and dated those documents correctly. All I am asking is that the agreed payment amount of {$1700.00} be honored. It is so disheartening to come through a pandemic ( financially assisted by the federal government ) just to be foreclosed on by a shady company! Please help me to open a line of communication with this company so that I can afford to continue making my house payment!!
Company Response:
State: MI
Zip: 48371
Submitted Via: Web
Date Sent: 2022-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-24
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: I have a loan with Nationstar dba Mr. Cooper. Back in XX/XX/2021 they forced placed insurance on my loan while I had insurance. I provided them with the evidence of insurance to show that I did not have a gap in my insurance. I thought the matter was resolved and continued with my regular scheduled payment. My payments are all sent to them directly each month from my Bank. For some reason, In the month of XXXX they reversed several of my payments for the erroneously forced placed insurance and placed everything into a suspense account. I got on the phone with them again and thought the issue was resolved as they undid everything and reapplied all the payments but in the process ended up incorrectly reporting me 30 days late for XX/XX/2021. I was never late and always had insurance. I always paid the payment and made the payment for more than the minimum required amount. I have been trying to resolve this issue with them for a week now and keep getting the run around. I am in the middle of a real estate transaction that has come to a complete halt because of their erroneous late payment.
Company Response:
State: CA
Zip: 91754
Submitted Via: Web
Date Sent: 2022-06-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-24
Issue: Trouble during payment process
Subissue:
Consumer Complaint: XX/XX/2022 we received the last quarterly bill for our building. I promptly forwarded to the escrow company that bill with our deed that explained that we owe 33.33 % as we are one of three units in the building. This brings a total owed by us to {$1100.00} for Unit 1 by XXXX. The mortgage company did not respond and did not paid the bill, when contacted they just said that they were looking into it. The city has repeatedly told the escrow company that the split will happen in XXXX and to just pay a third of what is owed according to the deed. I've contacted the escrow company multiple times and no response has been received from them. We have now ( XXXX ) received a late bill from the city with interest for the unpaid balance.
Company Response:
State: MA
Zip: 02144
Submitted Via: Web
Date Sent: 2022-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-24
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: Mr. Cooper Mortgage Loan During XXXX, due to loss of income we asked for Forberance. We never made a late payment. Forberance was approved and we stopped making out payments. We started making payments again in XX/XX/2021. We applied for a refinance with XXXX XXXX XXXX XXXX on XX/XX/XXXX. XXXX months after foreberance ended is what we were told we needed to wait. When XXXX XXXX Approved us they submitted a mortgage verification to mr cooper. Mr Cooper submitted them with a verification stating that we had been late 3 times in the 30 day and 3 times in the 60 day. during our covid foreberance. XXXX XXXX declined to refinance us after receiving the verification, which I have a copy of. I have tried since XX/XX/XXXX to get Mr. Cooper to to correct the problem they have not. They keep asking for XXXXdays and then they do nothing. XXXX XXXX had locked in our mortgage rate and said they would resubmit if Mr. Cooper would Correct it. I also asked Mr. Cooper to refinance which they declined due to the late payments noted on the account.
Company Response:
State: CA
Zip: 95204
Submitted Via: Web
Date Sent: 2022-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-23
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: On XX/XX/XXXX I locked in ( for 60 days ) an interest rate of XXXX percent for a home refinance loan with Mr. Cooper, working with XXXX XXXX, Mr. Cooper Mortgage Professional, XXXX. Please see attached documentation supporting this 60 day rate lock of 3.625 %. XXXX XXXX XXXX explained to me that communciation about my loan would now be through XXXX XXXX, Loan Processor, XXXX, who was assigned to my loan. Loan XXXX was conditionally approved on XX/XX/XXXX. I am going through a divorce and the plan was to refinance the house under my name only. Both XXXX XXXX and XXXX XXXX at Mr. Cooper were aware of this circumstance. I was told that there might be some extra paperwork for my husband to sign at close if the divorce was not final. My husband and I had a meeting with our divorce mediator on both XX/XX/XXXX and XX/XX/XXXX and the agents at Mr. Cooper were aware that I was awaiting these meetings to learn more about my financial situation. We were in communication over the phone and via email in regards to these meetings. The agreement was to that they would be contacted and updated after the meetings. The attached emails show that XXXX XXXX, Agent XXXX # XXXX, began contacting me at the end of XXXX, threatening to cancel my loan if I did not respond to her, which I did, letting her know that another meeting with attorney was scheduled for XX/XX/XXXX. At this time, I was told that XXXX XXXX XXXX no longer worked for Mr. Cooper. On XX/XX/XXXX, XXXX XXXX sent me an email saying that if she did not hear from me by the end of business on XX/XX/XXXX, that my loan would be cancelled. Please see the attached documents showing that I emailed XXXX XXXX at XXXX pm on XX/XX/XXXX letting her know that I would like to proceed with the loan. Additionally, please see attached screenshot of my outgoing phone call to XXXX XXXX at XXXX pm on Friday XX/XX/XXXX. I left a voicemail saying that I would like to proceed with the loan. However, XXXX XXXX ignored my email and voicemail expressing my desire to continue with my loan within the allotted time frame. She emailed me back at XXXX pm on Friday XX/XX/XXXX telling me that my loan had been cancelled. XXXX XXXX had expressed concerns that their underwriting department needed at least a week to get everything together, and my rate lock was good until XX/XX/XXXX. I reached out to XXXX XXXX and XXXX XXXX of Mr. Cooper in regards to what I consider to be a breach of contract on their part. The agents at Mr. Cooper tried to say that I was not responsive to their communication, but I disagree and I believe that my supporting documents show that I was within the allotted timeline given to me by XXXX XXXX, however, she chose to ignore my communication. Additionally, I received a notice on XX/XX/XXXX, through XXXX, saying that my application was denied because of an incomplete credit application. All documents requested were provided. This 3.625 % interest rate would have saved me $ 200 monthly. I have been a public school educator for 20 years and now I am a single parent. XXXX XXXX dollars a month is extremely significant to me. I am shocked and disgusted with Mr. Cooper. I hope that this complaint will help to protect me as a consumer against a company that chose not honor their written communication and the rate lock agreement. There was no reason to cancel my loan.
Company Response:
State: LA
Zip: 70503
Submitted Via: Web
Date Sent: 2022-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-21
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I re-financed my home through a new lender. I made a payment on XX/XX/2022. a few days later my mortgage was paid off by the lender, This created an overpayment of {$800.00}. Now over a month later I received my overage back but Mr. Cooper/Nationstar Mortgage LLC . shorted me by {$130.00}. I want all of my money back from the overage, interest and penalties assessed to Mr. Cooper like they would have done to me. Further, they should be investigated for fraud and predatory practices. I have documentation.
Company Response:
State: AZ
Zip: 85364
Submitted Via: Web
Date Sent: 2022-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A