Date Received: 2022-03-08
Issue: Trouble during payment process
Subissue:
Consumer Complaint: On XX/XX/2022, our scheduled mortgage payment was autopayed to the mortgage servicer, Mr. Cooper for the amount of {$2000.00}. Our usual payment is {$1500.00}. This payment was {$540.00} more than our usual payment. A review of our statement showed that the escrow payment portion of our payment doubled. First, the amount of escrow paid was not correct. Second, we were not notified that this would be changed. I called Mr Cooper customer service to discuss these issues. I was on hold for 30 minutes, then was given the option to leave my number and they would return my call. I received no call back. On XX/XX/2022, I called Mr Cooper customer service again, was on hold for 15 minutes, and again left my number to be called back. Again, I received no return call. On XX/XX/2022, I contacted Mr. Cooper customer service through their online message system. Three days later, I am still waiting to hear back from them. Mr. Cooper has taken no action towards contacting us, let alone trying to remedy the issue of their fraudulent withdrawal of our money.
Company Response:
State: NE
Zip: 68104
Submitted Via: Web
Date Sent: 2022-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-07
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Back in the fourth quarter of 2021 I applied with Mr. Copper mortgage company to have my Private Mortgage Insurance ( PMI ) removed from my loan. I was told that I would need to pay for an appraisal of the property at XXXX XXXX XXXX XXXX XXXX, Mo. XXXX. I agreed to this and they said they would have the appraiser contact me, I setup a meet with my tenant and the appraisal was done. After more than six weeks I called Mr. Copper and they said the appraiser did not turn in the paperwork. I asked what were they doing to contact the person, because I knew from my tenant that he had performed the job, and this was the second time I had ordered an appraiser on this property to get the PMI taken off. Finally I called XXXX XXXX customer service and they got it taken off and said it would be effective XXXX XXXX. I called Mr Copper and told them I was sending {$630.00} because XXXX XXXX said my PMI was no longer needed. Mr. Copper sent me a letter saying that my PMI in the amount of XXXX had been removed this letter was dated XX/XX/2021. I sent Mr. Copper payment for the amount of {$630.00} for the XX/XX/2021 payment which I showed it would be with the {$57.00} removed. Then they raised my XXXX payment to {$740.00} and then they corrected that after they ran an escrow review and said my XXXX payment would be XXXX for a {$21.00} increase of my taxes insurance stayed the same. I paid the shortage amount in a separate check {$250.00} thinking it would keep my payment the same, but it only decreased it to {$640.00} I was told I would have to wait until next XXXX. I requested to do my own Escrow and was told I do not have enough equity in the house to do my own escrow, but had enough to remove my PMI? They also said I could not because there had been lender placed insurance on this property. Please examine the paperwork that I am including.
Company Response:
State: TX
Zip: 75056
Submitted Via: Web
Date Sent: 2022-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-07
Issue: Trouble during payment process
Subissue:
Consumer Complaint: The previous lender was XXXX XXXX XXXX until XX/XX/XXXX. XXXX XXXX XXXX transferred the loan to Mr. Cooper. Prior to the transfer XXXX XXXX XXXX granted me a forbearance. On XX/XX/XXXX XXXX XXXX XXXX sent documents that the mortgage loan is approved for a partial claim and to return the documents by XX/XX/XXXX. The forbearance is for the period of XX/XX/XXXX until XX/XX/XXXX in the amount of XXXX The forbearance was executed on XX/XX/XXXX and returned to XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX accepted this document and filed the subordinate mortgage note in XXXXe County Clerks Office on XX/XX/XXXX. The lien is for XXXX and is payable to the Secretary of Housing and Urban Development. Mr. Cooper will not honor the subordinate mortgage lien that was offered, accepted and filed by XXXX XXXX XXXXXXXX and HUD. They continue to say I owe them XXXX Mr. Cooper has been provided with a copy of the subordinate mortgage note and proof of filing but won't honor it. On XX/XX/XXXX, Mr. Cooper sent me a letter that said " Per the XX/XX/XXXX call notes, you refused to pay the funds needed to book the modification, stating that you did not owe the post modification payments. As a result, the modification offer was rejected. The Partial Claim was not booked so there is not a second lien owed to Housing of Urban Development ( HUD ). The account is currently due for the full reinstatement amount. The amount to reinstate the loan is {$11000.00} ''. There is a lien filed and it is owed to HUD. Mr. Cooper representatives called me on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and demanded that I make a payment of XXXX over the phone without any documentation. They would not accept any other form of payment. They stated that was the amount owed for the months of XXXX and XXXX. And I agreed to cooperate in completing the loan modification and if I did not cooperate that modification would be denied. Mr. Cooper has never provided me with any such documentation. In addition, pursuant to RESPA I have sent two " Qualified Written Requests '' to Mr. Cooper one on XX/XX/XXXX asking for the document they refer to as an agreement I signed that says I am required to make two mortgage payments over the phone in order for the modification to be approved. And another on XX/XX/XXXX disputing the " Escrow Review Statement '' where Mr. Cooper is claiming there is an escrow shortage. To date neither of the " QWR 's '' have been acknowledged or answered. My house is under contract and is ready to close. I am unable to sell my property because Mr. Cooper Fraudulently claims they are owed XXXX In additionally the payoff letter is also incorrect. The payoff letter is from XX/XX/XXXX thru the present. The subordinate mortgage lien covered the period from XXXX. Mr. Cooper is also wrongfully claiming escrow advances of {$4100.00}. The only payment made by Mr. Cooper for escrow is a tax payment of {$1200.00} in XX/XX/XXXX.
Company Response:
State: NY
Zip: 12065
Submitted Via: Web
Date Sent: 2022-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-07
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: My husband and I obtained a FHA loan and purchased a home in XXXX XXXX XX/XX/2019. He told me to get out 4 days after closing. He moved his girlfriend in the home and tore the home up then moved to a more expensive owner finance home and put our home on Forbearance XXXX XXXX, under the CAREs Act, without my consent or knowledge through Mr Cooper. We had agreed to sell the home but he took it off the market when he received forbearance. Mr Cooper continued to extend the forbearance in spite of me asking them not too. We now owe {$16000.00} on top of the original loan. The husband and his girlfriend who has portrayed herself as me with Mr Cooper, and authorized herself to make decisions regarding this loan, requested a loan modification without my consent. I refuse to sign those papers because the forbearance was given without my consent and has now put us further in debt and facing foreclosure. I feel my husband did this to harm my good credit rating and make it impossible to borrow any money because I owe for this house. They want to keep the house but refuse to refinance in His name and pay me as agreed in XXXX. Mr Cooper explained to me they have told my husband that if he will get me to Quitclaim my interest in the home to him, that they can go around me and only require his signature to modify the loan, but I will still be held on the note as co borrower. So they are trying to force me into agreeing to owe more money than the original loan because of the forbearance they gave to him, claiming hardship, which isnt the case. He pays double fir his new home and was able to get out of payments on our home. My good credit is now suffering for a home I was never allowed to live in once he got me to sign the original note because his credit is bad. I am XXXX, have had to rent a place to live in XXXX he makes {$100000.00} per year and wasnt actually having a financial hardship, it was only to afford a more expensive loan. Ive asked Mr Cooper to look into the deceptive request for forbearance snd they determined he lived in the home, however, his mailing address on their contact info, has been to the new home he owns now. I believe he rented our home out while it was in Forbearance in order to pay for his new home. The loan is in the names XXXX XXXX and XXXX XXXX. I am XXXX.
Company Response:
State: AR
Zip: 726XX
Submitted Via: Web
Date Sent: 2022-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-07
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: In 2020, my account was reported late 90 days ( XX/XX/ 2020 ) XXXX and again XX/XX/2020 with XXXX and XXXX. However, the account was paid on time. I have reached out to the company on numerous times to try and get this resolved.
Company Response:
State: AL
Zip: 35226
Submitted Via: Web
Date Sent: 2022-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-07
Issue: Trouble during payment process
Subissue:
Consumer Complaint: XXXX Mr Cooper notified me that payment was late. Spoke to representative and was able to prove that Mr Cooper recd the payment and cashed the check. Told it would be resolved immediately. XX/XX/XXXX -not resolved Mr Cooper added a late payment charge. Recd a check for {$1400.00} from Mr Cooper stating it was an overage in the escrow acct. Called and spoke with Mr. Cooper, they stated it was a mistake and would cancel the check and return the {$1400.00} to the escrow acct. 12/18/21-not resolved. Spoke to manager. She asked for me to be patient until XX/XX/XXXX XXXX-spoke with manager was told problem was resolved and {$1400.00} returned to escrow acct. Based on that, I made an ACH transfer for XX/XX/XXXX payment. XXXX-I refinanced my mortgage with another company as this was now the 3rd time Mr. Cooper had messed up my payments and escrow acct. Mr. Cooper received payment in full on XX/XX/XXXX. Mr. Cooper congratulated me on the payoff and advised that they would not be sending the escrow money to XXXX to pay the XX/XX/XXXX statement. I should have received that money back as I had to pay XXXX directly. XXXX-received a check from Mr. Cooper for {$320.00} for reimbursement of escrow. The amount should have been {$1800.00}. XXXXI wrote to Mr Cooper 's Account Services Team as instructed by a Mr. Cooper chat employee. I submitted proof of all of the XXXX mortgage payments, and proof they did not pay XXXX. Said I would have a response in 7-10 days. XXXX-I received an email stating that they could take up to 30 days to respond, however, they reserved the opportunity to extend another 15 days after the 30. I have now been talking, emailing and providing info to Mr. Cooper since XX/XX/XXXX and it still is unresolved. As of XX/XX/XXXX, I have not received the {$1400.00} reimbursement from my escrow account with Mr. Cooper. I have no confidence that Mr. Cooper is resolving this.
Company Response:
State: MI
Zip: 484XX
Submitted Via: Web
Date Sent: 2022-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-06
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have contacted the CFBP already once about the NATIONSTAR / MR. COOPER AND XXXX XXXX XXXX about my mortgage a few weeks back and I didnt have this information to provide about these 2 companies that will provide more definitive information that I knew absolutely nothing about either of these companies in XXXX nor did XXXX XXXX that I was about to finalize my refinance with XXXX XXXX on XX/XX/XXXX with XXXX XXXX XXXX my homeowners insurance I was put in as the Mortgage Company to send my homeowners insurance policy bill to be paid out of my escrow account that XXXX XXXX already had set up that included my monthly mortgage payment, my homeowners insurance coverage and my property taxes to be taken care of by XXXX XXXX by XX/XX/XXXX when I was going to refinance my mortgage at a 2.00 % Fixed 30 year mortgage, XXXX XXXX RAN 3 CREDIT SCORE REPORTS ON ME BEFORE I COULD REFINANCE my mortgage and my credit score was PERFECT. I have never missed any payments on anything so I only had a car payment with XXXX XXXX and my mortgage payment with XXXX mortgage and I strongly reiterate that XXXX XXXX was shocked that my credit score was perfect, I have never missed a payment on anything and if I had XXXX XXXX would have known by XX/XX/XXXX. I had my mortgage with XXXX XXXX XXXX and I refinanced my mortgage with XXXX Bank in XX/XX/XXXX, XX/XX/XXXX, was notified by XXXX and XXXX with a better interest rate only and nothing changed except my mortgage payment went down about $ 60/month because of the decreased interest rate AND I WAS NOTIFIED. When I bought my house in XXXX, I also added an INSURANCE POLICY in with. my mortgage with XXXX XXXX XXXX for an added protection that my go use would be Paid In Full by the insurance policy that also transferred over to XXXX bank in XX/XX/XXXX in case I was killed in an accident or I became 100 % disabled. The insurance policy would pay off my mortgage. Then XXXX Bank merged with XXXX Mortgage, I was again notified by certified mail that I HAD TO SIGN FOR AND A RECEIPT was sent back to both institutions with a signed receipt with the date and signature on XXXX Bank went out of Business after the merger just like the merger that my Credit Union is mergin with another bank right now because the bank that is called XXXX XXXX can not provide the same rates and assets that my my institution XXXX XXXX XXXX XXXX IS able to provide and XXXX Bank will not exist any longer just as XXXX had to shut down for a while and rebuild their institutions over several years of being shut down. HOWEVER again when that merger took place nothing changed in the terms of my mortgage. I AM going to provide some information to the XXXX association and also with the Federal Trade Commission to prove that Mr. Cooper/NationStar and now this XXXX XXXX are both FRADS, SCAMS and Definitely have DISCRIMINATED AGAINST MYSELF BECAUSE OF MY XXXX OF XXXX XXXX. My mortgage was paid off because of the Insurance policy that I had taken out 7 years ago and I had forgotten about until XXXX was processing the Insurance policy because I am 100 % XXXX However somehow Mr. Cooper and now this XXXX XXXX have devised up a conspiracy that 2 representatives of Mr. Cooper claimed a few days as I was about to close the deal to finance my home with XXXX XXXX for the purposes of making necessary adjustments and improvements to my home to accommodate myself and some of my friends that are XXXX and either in XXXX XXXX XXXX XXXX XXXX XXXX XXXX has to help me get my friends into my house because XXXX XXXX and Mr. Cooper have illegally committed XXXX discrimination acts against myself, my friends and my service dog because they have obtained my title for my property and I cant get the necessary improvements done to my home because the 2 criminal institutions have somehow acquired the title of my property, screwed up my credit score to the point that I cant get my home refinanced because both of these institutions have sent in fraudulent information to XXXX, XXXX and XXXX claiming that I am 90 days past due in my mortgage that they dont have. I have a recorded conversation with 2 representatives of Mr , Cooper one in customer service and the other representative was in consumer affairs that both told me on the recorded conversation with Mr. Coopers representatives on XX/XX/XXXX with their consent so one of the representatives was named XXXX XXXX XXXX, XXXX my elderly mother and my son being present, both of Mr. Coopers representatives couldnt access anything about myself, my house, name, social security number not a XXXX thing about anything that his institution should have had if he had legally obtained my mortgage. The lady who was the supervisor of Mr. Coopers Consumer Affairs Division stated that Mr. Cooper NEVER had my mortgage but she had access to another Database that showed XXXX was contesting the company of Nationstar/ Mr. Cooper claimed to have bought my mortgage mortgage but she said that he had not and my title looked to be processed by the XXXX XXXX XXXX XXXX South Carolina XXXX I called the Courthouse and asked the director why she had not filed my title to my property and of course she put me on hold. She came back to the phone claiming that they had never received my cleared title from XXXX XXXX company and I told her that she was wrong. She didnt like that I was telling her that she was wrong cocked her attitude but READ THIS CAREFULLY. I told her to pump her brakes because I gave her the exact date and times that her office received the clear title twice but she didnt know that I had XXXX XXXX in on the conversation and she cocked her attitude again but I told her that if she was the director over the department of Titles and Deeds, it didnt surprise me but the Federal Government were probably already investigating her and if she had been doing that job for 16 years, she needed to be fired because I cant imagine how many others in XXXX XXXX XXXX had done this way. Then XXXX XXXX come into the conversation gave her the names and time to who received the information and then she claimed that lady had retired. I told her that I didnt give a XXXX if she was dead, but if she was dead they better XXXX XXXX XXXX XXXX because we had some questions. However my Title was never found but now this Mr. Cooper and XXXX XXXX XXXX have all of a sudden turned me into the credit bureas, screwed up my credit score and discriminated against myself and my XXXX friends that my XXXX XXXX sees them come to my door, grabs his pulling harnesses and the strap that we use to help my friends and family into my house. My dog is like me and helps anyone never thinking about how its making him feel. However I am XXXX XXXX XXXX and spreading up the progress of my XXXX XXXX progressing and shortening the health and life of my service dog. So now that I have put it exactly how I feel, I am going to file charges against these companies with the Federal Trade Commission as well as the United States Department of Justice Civil Rights Division for violating my rights and my service dogs rights rights that are protected under all of the FEDERAL LAWS OULINED NY THE ADA ACT OF XXXX, and revised in XXXX. Heres the evidence that I didnt have before I filed my first complaint. However I dont want these companies feel like the Line Ranger because I have filled lawsuits against the XXXX XXXX XXXX Department XXXX South Carolina XXXX XXXX XXXX and South Carolina for law enforcement officers excessive use of force on me, assaulted me, tackled me onto an outside iron couch for no legitimate reason other than these law enforcement agencies were too XXXX ignorant as to looking into factual evidence that my soon to be ex-wife, her XXXX XXXX and her family had stolen my identity, took full possession of my personal information, my medical records and an email account that I havent been able to access since XX/XX/XXXX. I have definitive evidence to that fact and I am filing criminal charges against every XXXX one of these individuals and filing lawsuits against them as well because my new divorce attorney is also licensed as a lawyer that can file Federal charges and lawsuits against everyone that has violated my Civil Rights and that includes Mr. Cooper and XXXX XXXX or whatever the XXXX their name is or stands for. So understand that is what I am going to have my lawyer file against these 2 companies for Disability Discrimination, VIOLATING MY CIVIL RIGHT LAWS PROTECTED BY THE ADA ACT AND FOR MY UNITED STATES COMMISSIONED SERVICE DOG, BLUE, because he has just as many Civil Rights like s as ll Americans have. I dont threaten anyone but I am tired of filing complaints, so I am going to copy and paste this final email to everyone that I have just stated and believe me that you all are going to pay for everything that my lawyer is going to charge each entity, company, individuals related to all of these actions against myself, my son and my service dog. AGAIN I STRONGLY REITERATE THAT I HAVE NEVER MADE A THREAT TOWARDS ANYONE AND NEVER WILL, BUT SEVERAL PEOPLE HAVE THREATENED ME AND I ALWAYS FIGHT BACK. I ANDWER TO GOD AND JESUS CHRIST, I DONT LIE OR THREATEN ANYONE BUT JUST UNDERSTAND THAT I DO HAVE XXXX XXXX BUT GOD BUILT ME TO ALWAYS FIGHT BACK AGAINST EVIL, THREATS AND LIES AND I ONLY WILL ANSWER TI GOD WHEN I MEET HIM FACE TO FACE. ALL OFYOU I WILL NEVER WISH ANYTHING BAD ON ANYONE OF YOU IN THIS LIFE OR OUR NEXT, BUT I PROMISED MY XXXX XXXX XXXX A FEW DAYS BEFORE HE DIED XXXX XX/XX/XXXX AND MY LAST WORDS THAT I EVER WAS ABLE TO SAY TO HIM WAS THAT I PROMISED HIM THAT I WOULDNT TAKE XXXX OFF OF ANYONE AND I ALWAYS KEEP MY PROMISES. SO BY TUESDAY IF ALL OF THESE ISSUES CREATED BY ALL OF YOU AGAINST MYSELF, MY SON AND MY SERVICE DOG ARE NOT IN WRITING, NOTARIZED AND SIGNED BY A JUDGE TO VERIFY THAT EVERYTHING THAT YOU WILL FIX TO MY SATISFACTION, MY SONS SATISFACTION AND I WILL BE PRESENT BUT HE CAN SAY IF HE IS SATISFIED AND I WILL DETERMINE IF I AM SATISFIED WITH YOUR RESPONSES TO FIX EVERYTHING THAT ALL OF YOU HAVE CREATED, TUESDAY AT XXXX pm EST XXXX, XX/XX/XXXX, IKEEP MY PROMISES AND I AM GOING TO LET MY LAWYER DO EVERYTHING LEGALLY TO FILE AS MSNY CHARGES AND LAWSUITS AGAINST EVERYONE OF YOU EITHER AS A BUSINESS, AN ENTITY OR A STATE AND MY PROMISE THAT I MADE TO XXXX XXXX IS GOING TO BE HONORED LEGALLY. EXACTLY HOW CAN MR. Cooper and XXXX XXXX open up my mortgage account on XX/XX/XXXX along with XXXX XXXX that took over XXXX Bank for a few year but my conditions of my mortgage never changed. However Mr. Cooper and this XXXX XXXX also claimed to have bought my mortgage on XX/XX/XXXX XX/XX/XXXX but again as the document from XXXX XXXX claimed that the 2 companies of Mr. Cooper bought again according to XXXX XXXX documents that I received Thursday XXXX XXXX claimed that Mr. Cooper bought my mortgage AGAIN XXXX XXXX and XXXX XXXX stated that they bought my mortgage AGAIN AS WELL on XX/XX/XXXX. If I bought something in XX/XX/XXXX, I sure as XXXX will never buy it again FROM MYSELF. I WOULD SAY EXPLAIN THAT BUT THAT CANT BE EXPLAINED AT ALL. XXXX BOUGHT MY MORTGAGE IN XX/XX/XXXX, XXXX XXXX but Mr. Cooper and XXXX XXXX claimed to have bought my mortgage mortgage also on XX/XX/XXXX XX/XX/XXXX. THAT IS FRAUD BY THESE 2 COMPANIES, ONLY 1. ) MR. COOPER/NATION STAR. and 2. ) XXXX XXXX XXXX. ONLY YHESE 2 for this one complaint but the other 2 that really did have my mortgage, I am not wanting anything from XXXX XXXX XXXX XXXX XXXX XXXX. They did everything legally. Let the XXXX XXXX XXXX, XXXX XXXX XXXX Department, South Carolina XXXX XXXX XXXX and the State Governor that I am filing charges and lawsuits against all of them also if you would like to because I dont discriminate. They are public entities that violated my Civil Rights but my wife and her family, I promise anyone that they will be charged with Federal Charges and I personally am going to sign those warrants for their arrest directly under my lawyers names.THSNK YOU
Company Response:
State: SC
Zip: 29720
Submitted Via: Web
Date Sent: 2022-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-06
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have contacted the CFBP already once about the NATIONSTAR / MR. COOPER AND XXXX XXXX XXXX about my mortgage a few weeks back and I didnt have this information to provide about these 2 companies that will provide more definitive information that I knew absolutely nothing about either of these companies in XXXX nor did XXXX XXXXT that I was about to finalize my refinance with XXXX XXXX on XX/XX/XXXX with XXXX XXXX XXXX my homeowners insurance I was put in as the Mortgage Company to send my homeowners insurance policy bill to be paid out of my escrow account that XXXX XXXX already had set up that included my monthly mortgage payment, my homeowners insurance coverage and my property taxes to be taken care of by XXXX XXXX by XX/XX/XXXX when I was going to refinance my mortgage at a 2.00 % Fixed 30 year mortgage, XXXX XXXX RAN 3 CREDIT SCORE REPORTS ON ME BEFORE I COULD REFINANCE my mortgage and my credit score was PERFECT. I have never missed any payments on anything so I only had a car payment with XXXX XXXX and my mortgage payment with XXXX mortgage and I strongly reiterate that XXXX XXXX was shocked that my credit score was perfect, I have never missed a payment on anything and if I had XXXX XXXX would have known by XX/XX/XXXX. I had my mortgage with XXXX XXXX XXXX and I refinanced my mortgage with XXXX Bank in XX/XX/XXXX, XX/XX/XXXX, was notified by XXXX and XXXX with a better interest rate only and nothing changed except my mortgage payment went down about $ 60/month because of the decreased interest rate AND I WAS NOTIFIED. When I bought my house in XXXX, I also added an INSURANCE POLICY in with. my mortgage with Fairway Independent mortgage for an added protection that my go use would be Paid In Full by the insurance policy that also transferred over to XXXX bank in XX/XX/XXXX in case I was killed in an accident or I became 100 % XXXX. The insurance policy would pay off my mortgage. Then XXXX Bank merged with XXXX Mortgage, I was again notified by certified mail that I HAD TO SIGN FOR AND A RECEIPT was sent back to both institutions with a signed receipt with the date and signature on XXXX Bank went out of Business after the merger just like the merger that my Credit Union is mergin with another bank right now because the bank that is called XXXX Bank can not provide the same rates and assets that my my institution FOUNDERS FEDERAL CREDIT UNION IS able to provide and XXXX Bank will not exist any longer just as XXXX had to shut down for a while and rebuild their institutions over several years of being shut down. HOWEVER again when that merger took place nothing changed in the terms of my mortgage. I AM going to provide some information to the Cfob association and also with the Federal Trade Commission to prove that Mr. Cooper/NationStar and now this Select Portfoliio are both FRADS, SCAMS and Definitely have DISCRIMINATED AGAINST MYSELF BECAUSE OF MY XXXX OF XXXX XXXX. My mortgage was paid off because of the Insurance policy that I had taken out 7 years ago and I had forgotten about until XXXX was processing the Insurance policy because I am 100 % XXXX. However somehow Mr. Cooper and now this XXXX XXXX have devised up a conspiracy that 2 representatives of Mr. Cooper claimed a few days as I was about to close the deal to finance my home with XXXX XXXX for the purposes of making necessary adjustments and improvements to my home to accommodate myself and some of my friends that are XXXX and either in walkers or wheelchairs and my service dog has to help me get my friends into my house because XXXX XXXXo and Mr. Cooper have illegally committed XXXX discrimination acts against myself, my friends and my service dog because they have obtained my title for my property and I cant get the necessary improvements done to my home because the 2 criminal institutions have somehow acquired the title of my property, screwed up my credit score to the point that I cant get my home refinanced because both of these institutions have sent in fraudulent information to XXXX, XXXX and XXXX claiming that I am 90 days past due in my mortgage that they dont have. I have a recorded conversation with 2 representatives of Mr , Cooper one in customer service and the other representative was in consumer affairs that both told me on the recorded conversation with Mr. Coopers representatives on XX/XX/XXXX with their consent so one of the representatives was named XXXX XXXX XXXX, XXXXth my elderly mother and my son being present, both of Mr. Coopers representatives couldnt access anything about myself, my house, name, social security number not a XXXX thing about anything that his institution should have had if he had legally obtained my mortgage. The lady who was the supervisor of Mr. Coopers Consumer Affairs Division stated that Mr. Cooper NEVER had my mortgage but she had access to another Database that showed XXXX was contesting the company of Nationstar/ Mr. Cooper claimed to have bought my mortgage mortgage but she said that he had not and my title looked to be processed by the XXXX County Courthouse of South Carolina XXXX I called the Courthouse and asked the director why she had not filed my title to my property and of course she put me on hold. She came back to the phone claiming that they had never received my cleared title from XXXX XXXX company and I told her that she was wrong. She didnt like that I was telling her that she was wrong cocked her attitude but READ THIS CAREFULLY. I told her to pump her brakes because I gave her the exact date and times that her office received the clear title twice but she didnt know that I had XXXXXXXX XXXX in on the conversation and she cocked her attitude again but I told her that if she was the director over the department of Titles and Deeds, it didnt surprise me but the Federal Government were probably already investigating her and if she had been doing that job for 16 years, she needed to be fired because I cant imagine how many others in XXXX XXXX she had done this way. Then XXXX XXXX come into the conversation gave her the names and time to who received the information and then she claimed that lady had retired. I told her that I didnt give a XXXX if she was XXXX, but if she was XXXX they better dig her XXXX up because we had some questions. However my Title was never found but now this Mr. Cooper and XXXX XXXX XXXX have all of a sudden turned me into the credit bureas, screwed up my credit score and discriminated against myself and my XXXX friends that my service dog sees them come to my door, grabs his pulling harnesses and the strap that we use to help my friends and family into my house. My dog is like me and helps anyone never thinking about how its making him feel. However I am deteriorating my health and spreading up the progress of my XXXX XXXX progressing and shortening the health and life of my service dog. So now that I have put it exactly how I feel, I am going to file charges against these companies with the Federal Trade Commission as well as the United States Department of Justice Civil Rights Division for violating my rights and my service dogs rights rights that are protected under all of the FEDERAL LAWS OULINED NY THE ADA ACT OF 1992, and revised in 1993. Heres the evidence that I didnt have before I filed my first complaint. However I dont want these companies feel like the Line Ranger because I have filled lawsuits against the XXXX XXXX Sheriffs Department XXXX South Carolina Law Enforcement DivisioXXXX and South Carolina for law enforcement officers excessive use of force on me, assaulted me, tackled me onto an outside iron couch for no legitimate reason other than these law enforcement agencies were too XXXX XXXX as to looking into factual evidence that my soon to be ex-wife, her XXXX cousins and her family had stolen my identity, took full possession of my personal information, my medical records and an email account that I havent been able to access since XX/XX/XXXX. I have definitive evidence to that fact and I am filing criminal charges against every XXXX one of these individuals and filing lawsuits against them as well because my new divorce attorney is also licensed as a lawyer that can file Federal charges and lawsuits against everyone that has violated my Civil Rights and that includes Mr. Cooper and XXXX XXXXo or whatever the XXXX their name is or stands for. So understand that is what I am going to have my lawyer file against these 2 companies for XXXX Discrimination, VIOLATING MY CIVIL RIGHT LAWS PROTECTED BY THXXXX ADA ACT AND FOR MY UNITED STATES COMMISSIONED SERVICE DOG, XXXX, because he has just as many Civil Rights like s as ll Americans have. I dont threaten anyone but I am tired of filing complaints, so I am going to copy and paste this final email to everyone that I have just stated and believe me that you all are going to pay for everything that my lawyer is going to charge each entity, company, individuals related to all of these actions against myself, my son and my service dog. AGAIN I STRONGLY REITERATE THAT I HAVE NEVER MADE A THREAT TOWARDS ANYONE AND NEVER WILL, BUT SEVERAL PEOPLE HAVE THREATENED ME AND I ALWAYS FIGHT BACK. I ANDWER TO GOD AND JESUS CHRIST, I DONT LIE OR THREATEN ANYONE BUT JUST UNDERSTAND THAT I DO HAVE XXXX XXXX BUT GOD BUILT ME TO ALWAYS FIGHT BACK AGAINST EVIL, THREATS AND LIES AND I ONLY WILL ANSWER TI GOD WHEN I MEET HIM FACE TO FACE. ALL OFYOU I WILL NEVER WISH ANYTHING BAD ON ANYONE OF YOU IN THIS LIFE OR OUR NEXT, BUT I PROMISED MY XXXX VETERAN XXXX A FEW DAYS BEFORE HE DIED XXXX XX/XX/XXXX AND MY LAST WORDS THAT I EVER WAS ABLE TO SAY TO HIM WAS THAT I PROMISED HIM THAT I WOULDNT TAKE XXXX OFF OF ANYONE AND I ALWAYS KEEP MY PROMISES. SO BY TUESDAY IF ALL OF THESE ISSUES CREATED BY ALL OF YOU AGAINST MYSELF, MY SON AND MY SERVICE DOG ARE NOT IN WRITING, NOTARIZED AND SIGNED BY A JUDGE TO VERIFY THAT EVERYTHING THAT YOU WILL FIX TO MY SATISFACTION, MY SONS SATISFACTION AND I WILL BE PRESENT BUT HE CAN SAY IF HE IS SATISFIED AND I WILL DETERMINE IF I AM SATISFIED WITH YOUR RESPONSES TO FIX EVERYTHING THAT ALL OF YOU HAVE CREATED, TUESDAY AT XXXX pm EST XXXX, XX/XX/XXXX, IKEEP MY PROMISES AND I AM GOING TO LET MY LAWYER DO EVERYTHING LEGALLY TO FILE AS MSNY CHARGES AND LAWSUITS AGAINST EVERYONE OF YOU EITHER AS A BUSINESS, AN ENTITY OR A STATE AND MY PROMISE THAT I MADE TO MMY DAD IS GOING TO BE HONORED LEGALLY. EXACTLY HOW CAN MR. Cooper and XXXX XXXXo open up my mortgage account on XX/XX/XXXX along with XXXX XXXX that took over XXXX Bank for a few year but my conditions of my mortgage never changed. However Mr. Cooper and this SXXXX XXXX also claimed to have bought my mortgage on XX/XX/XXXX XX/XX/XXXX but again as the document from XXXX XXXX claimed that the 2 companies of Mr. Cooper bought again according to XXXX XXXX documents that I received Thursday XXXX XXXX claimed that Mr. Cooper bought my mortgage AGAIN XXXX XXXX and XXXX XXXX stated that they bought my mortgage AGAIN AS WELL on XX/XX/XXXX. If I bought something in XX/XX/XXXX, I sure as XXXX will never buy it again FROM MYSELF. I WOULD SAY EXPLAIN THAT BUT THAT CANT BE EXPLAINED AT ALL. XXXX BOUGHT MY MORTGAGE IN XX/XX/XXXX, XXXX XXXX but Mr. Cooper and XXXX XXXX claimed to have bought my mortgage mortgage also on XX/XX/XXXX XX/XX/XXXX. THAT IS FRAUD BY THESE 2 COMPANIES, ONLY 1. ) MR. COOPER/NATION STAR. and 2. ) SXXXX XXXX XXXX. ONLY YHESE 2 for this one complaint but the other 2 that really did have my mortgage, I am not wanting anything from XXXX XXXXe or XXXX XXXX company. They did everything legally. Let the XXXX County Courthouse, LXXXX County Sheriffs Department, South Carolina Law Enforcement Division and the State Governor that I am filing charges and lawsuits against all of them also if you would like to because I dont discriminate. They are public entities that violated my Civil Rights but my wife and her family, I promise anyone that they will be charged with Federal Charges and I personally am going to sign those warrants for their arrest directly under my lawyers names.THSNK YOU
Company Response:
State: SC
Zip: 29720
Submitted Via: Web
Date Sent: 2022-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-06
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: When Nationstar took over the servicing of the loan from XXXX XXXXXXXX XXXX they started refusing to accept my payments and started send them back to me putting the loan in default. I did everything I could to stop them from doing this, continued making the payments that were stated on the XXXX loan modification from XXXX XXXX XXXX but they still refused to accept the checks that I sent in. They denied that I had made every payment since the beginning of the recorded loan mod even though I sent them all of the checks that XXXX XXXXXXXX XXXX had cashed. I had several people try to talk to them including attorneys, fraud investigators, and loan mod companies but they were unwilling to look into their errors and kept denying that there were errors. I finally was told by attorneys that the only choice I had was to sue them. I have been in a lawsuit with them for years and the court is now awaiting the results of the case called XXXX XXXX XXXX XXXX and said that they would decide on my case after that case was decided. Nevertheless, Nationstar is trying to sell my house in a trustee sale. It is causing the reduction in value of my house and many uninvited people are coming to my house and calling nonstop trying to buy it for way less than the actual value of the house. Having strange people show up at my house unexpectedly is causing stress to my pets and to me. I do not want to sell my house and I plan to stay here as I have put a lot of money into this property and I have lived here for 27 years. I know all of my neighbors and I feel safe here except for the people that Nationstar is causing to come to my house uninvited as they are advertising it for sale on their XXXX web site. I tried to have them do another loan modification but they will not talk to me or to the loan modification companies who tried to help me put the documents together and submit them to Nationstar. I have tried several companies and they all said that Nationstar will not communicate with them even though my attorney has given them the authorization to talk to these companies. They are making it impossible to do anything but sue them. Apparently the CFPB and AGs have already sued them for the exact same things in my lawsuit and they settled with them which seems to just give them license to continue with their unlawful ways. This needs to be corrected. Nationstar just thinks that they are above the law and if someone does not stop them they will continue to hurt many people.
Company Response:
State: CA
Zip: 931XX
Submitted Via: Web
Date Sent: 2022-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-06
Issue: Trouble during payment process
Subissue:
Consumer Complaint: We chose to utilize the Pandemic Forbearance option because representatives from Mr. Cooper/Nationstar told us, verbally, that deferment would be available as a completion resolution. Later our mortgage servicer, Mr. Cooper would not provide deferment. We wrote them a formal letter ( XX/XX/2021 ) requesting that the provision for deferment be honored and requesting a more responsible brand of communication than the contradictory and confusing directions provided. The written response that we received in reply did not answer our questions or help the situation. Mr. Cooper then instructed us to apply for a modification. We are still hoping to receive the deferment as promised. Our XXXX XXXXXXXX loan is working well for us and we prefer not to adjust away from it. We could not get an accountable answer from Mr. Cooper about why we were told that the forbearance could complete in a deferment but then that was not provided. We then were notified that the modification also was not offered by the lender. We sent in a second letter ( XX/XX/2021 ) seeking to understand why the modification had been offered and then we were notified that it was not available. We have been respectful throughout this communication process and have diligently paid our loan for more than 15 years. We additionally have the concern that when Nationstar adopted the new name, Mr. Cooper, they intentionally created an expectation of neighborly and more personal service. The corporate confusion and runarounds we have experienced created the sense that the adopted image is inauthentic. They are now demanding about {$26000.00} and threatening foreclosure. They continue to advise that federal monies are available and for us to apply in order to pay off this sum. But we feel this is unethical and that the company is attempting to receive the government money rather than provide the deferment that we were told would be available and that they will not not provide. Additionally we believe that the refusal to provide at least the modification may be a breach of law.
Company Response:
State: CO
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A