Date Received: 2022-02-06
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I had a conventional 30 year mortgage in forbearance with XXXX due to Covid 19 issues. XXXX sold the mortgage in 2021 to Nationstar now XXXX as Mr. Cooper who honored XXXX forbearance agreement I successfully completed XXXX XXXX XXXX XXXX 3 month trial in XXXX On XX/XX/XXXX Mr Cooper sent me a proposal for the new mortgage which is a 40 year mortgage at the same rate as my previous 30 year mortgage The first XXXX years of the mortgage are interest only payments and then the last 30 years are conventional My opinion is this is a punitive proposal What is my recourse to obtain either a lower rate or change this to a conventional mortgage where a certain portion of the payment would be applied to the principal for all payments? Is what Mr Cooper proposing legal? I did some research and their previously named entity were fined for unfair practices with mortgages, probably the reason they changed their name. I have 14 days to respond from the XX/XX/XXXX and am not sure what are my options I am sending Mr Cooper a letter tomorrow disputing the terms of the agreement What other recourse do I have? Thank you in advance for your response. XXXX XXXX XXXX @
Company Response:
State: CT
Zip: 066XX
Submitted Via: Web
Date Sent: 2022-02-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-06
Issue: Trouble during payment process
Subissue:
Consumer Complaint: This home has a homestead exemption in place due to status as a service connected veteran. All homestead documents to that effect were completed and signed at closing on XX/XX/2021 & the homestead was approved by XXXX XXXX, XXXX XXXX is the lender. ( Nationstar/Servicer ) Some months later, I was sent a letter stating the mortgage was going up due to an escrow shortage for the property taxes. I spoke with several managers & advised with the Homestead exemption that there should be no shortage, my payment has yet to be modified.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IN
Zip: 46845
Submitted Via: Web
Date Sent: 2022-02-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-06
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: SO what about XX/XX/XXXX MR cooper?? are you still concerned? MR COOPER IS PURPOSELY CONFLATING INSTANCES But lets try to use MR COOPERS LOGIC they claim XXXX was calling to help then WHY wait a week to call after the letter was populated on their site saying there was inter mod missing on the XXXX of XXXX OH BECAUSE they sent LETTERS to my home informing me of my situation XXXX is when i filed the complaint ( regarding the unwanted call that occurred on the XXXX ) with CFPB I still had weeks until my modification was due Why THEN would XXXX be calling me??? they never did before concerning a modification... how convenient for MR COOPER alibi how very convenient... XXXX Mr cooper has a letter acknowledging my complaint saying they will reply no sooner than XX/XX/XXXX XX/XX/XXXX i supply my modification documents on MR COOPERS system XX/XX/XXXX is also second the complaint i submitted on the timeliness and accurate assessment of my modification documents XX/XX/XXXX Mr COOPER and its minions decided its good policy to conflate the XXXX events to save their reputations and not admit wrong doing to appear impeccable XX/XX/XXXX they submit bogus XXXX letter that is a OUTRAGEOUS lie utilizing my modification process as cover for lack of adherence to decorum They claim my XXXX was trying to get in contact with me 1. Never have they EVER left a message ( and its XXXX IMPORTANT AND YOU WANT TO HELP SO BADLY ) 2. My XXXX nor has anybody from mr cooper has ever talked to me since XXXX XXXXon the phone and Since then if i ever spoken to them it would be me calling Mr cooper or trying to email but my emails are always ignored 3. THIS XXXX Has had absolutely zero reason to call me even if they were calling cause i didn't sent any modification paperwork until XXXX XXXX through mr cooper OWN words they stated they will cease electronic communications with me and everything will be in writing YET they chose to violative my rights and go against their own policy and call the number i told that was many many times that it was inconvenient I HAVE HAD TROUBLE WITH MR COOPER SINCE XX/XX/XXXX ive called into your office many many times ive begged to speak with my XXXX they are never there yet they have been calling me to help me?????? Where were they XX/XX/XXXX till XX/XX/XXXX of XXXX cause that's when i started getting the phantom cal ls from XXXX, XXXX, XXXX, XXXX and XXXXOVER AND OVER AGAIN but silly me it was my XXXX CALLING to talk about documents yall haven't even looked at and had possession of less than XXXX hours and then you up and change the modification due due date from XX/XX/XXXX to XX/XX/XXXX so i guess that why XXXX was calling LIES you called again on the XXXX as well no message nothing but i suppose it was all in good faith cause you're always trying to help SO I SUPPOSE AFTER I COMPLAINED ( XXXX ) FOR THE UNWANTED AND UNCESSARRY CALL MY SPOC TOOK INATATIVE AGAIN ( XXXX ) AND CALLED ME A WEEK LATER AND DIDN LEAVE ANOTHER MESSAGE BEING ALL CONCERENED AND ALL!!!! So Let me get this straight when i wanted to talk to mr cooper im unreasonable and unprofessional warranting only written contact but when it fits your narrative im reasonable to talk to and you're so concerned you just have to call me and not leave a message and do it again after i file a complaint cause you're on a crusade of good! **************************** Enclosed is a copy of old call log that show in XX/XX/XXXX when the calls started ( no messages just calls ) and XXXX of last month any person worth a XXXX in collections would know you have to get the permission to call after stuff like this happens but that's how MR cooper does it they are just flying by the seat of their pants making it up as it goes OF THE XXXX XXXX CALLS YOU NEVER LEFT A MESSAGE NOT ONCE SO STOP PRETENDING LIKE YOURE CONCERED YOU BIG PHOONEY!!! BTW i love the way MR cooper changes the language on all the documents to fit their narrative I mean you have to have like a advance degree to understand a mod circumstances so one has to read their documents carefully casue the language always changes at the last minute and its the underwriters fault. : I applied by FHA list of acceptable documents yet they subtly change things around so there are different types of documents than what was initially required OMG i gues its underwriters fault OR MAYBE ITS THE SPOC GUY OR HOW ABOUT THIS I JUST FOUND OUT XXXX XXXX WHEN U UPLOAD A PDF TO MR COOPER IT ONLY TAKES ONE PAGE AT A TIME so many other times i thought mr cooper was getting the entire pdf and only got a cover page or the first page SPOC WHERE YOU AT are you with ME??? WHY WERE YOU LURKING AROUND THEN THEN MIRACOUSLLY calling me after years of torment 's and sleepless nights
Company Response:
State: PA
Zip: 151XX
Submitted Via: Web
Date Sent: 2022-02-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-06
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My mortgage was transferred from XXXX XXXX to XXXX by mr cooper as on XX/XX/2022. I sent my payment to the payee information on the my XXXX loan website and it was deducted from my bank account and never applied towards my balance. They are claiming i did not send the check. I had a 3 way call with mr cooper and XXXX and they confirmed payment was sent to the correct address and account number. Now mr cooper has sent me an email stating they can not find my payment still and that I am responsible for paying even though they processed the check against something.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 21208
Submitted Via: Web
Date Sent: 2022-02-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-05
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: Mr. Cooper has continued to decline my application for a loan modification and prolong the process with needless demands to resubmit documents. During this process the appraisal I was instructed to pay for expired due Mr. Cooper 's negligence. Despite the documents I submitted, Mr. Cooper reviewed and listed the incorrect income and insurance costs and property value as they repeatedly declined my loan modification application. As a result, my home is now in foreclosure, again, due to Mr. Cooper 's negligence.
Company Response:
State: NC
Zip: 28269
Submitted Via: Web
Date Sent: 2022-02-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-04
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: XX/XX/XXXX RE : Foreclosure Sale TS No : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX XXXX XXXX ext XXXX Mr Cooper Account Number # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX , TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TS No : XXXX XXXX XXXX XXXX XXXX , TX XXXX XXXX XXXX Please reverse the sale of our home. Request attached to this email. Please help, the auction sale was scheduled for Monday, XX/XX/XXXX. I am at a critical point in our homeownership. I have in good faith tried to negotiate a modification for the life of my loan that is fair to the investors, servicer, and my family. I do understand that the bank does not have to offer or even extend any modification terms. I am not looking for handouts and we are fully aware of the moral hazard implications do not want to contribute to it. I have utilized both chapter XXXX and chapter XXXX bankruptcy filings to place my family in a financial position to afford the mortgage and to avoid foreclosure I have reduced and cut expenses in every way possible. I have utilized every legal remedy to save our home. We have been told, by HUD agencies and credit counselors, that our front and rear-end ratios regarding our income are sufficient to receive an affordable modification, however, the investor group has rejected every viable option to receive a life of the loan, an affordable mortgage solution to date. On Wednesday, XX/XX/XXXX, the above agencies foreclosed on our home. I have exhausted efforts to achieve an affordable mortgage because the investors, to date, have denied any affordable mortgage for the life of the loan because they have only extended payment plans that have been temporary and offered no long-term solution. If given the chance for a fair solution, we will be able to sustain mortgage payments for the life of the loan. I am now at the mercy of the servicer, the investors, and any efforts that can be extended at this point. I pray that the investor team will have compassion and really work to help us maintain our home with a proprietary mortgage modification solution that is long-term, affordable for all the stakeholders to include the investor and servicer. Please help, as this will be my last opportunity to maintain our home. Although I have never received a sustainable modification to date, I am hoping a final effort can be made for a modification on behalf of my family, and our family of XXXX is not displaced. Our primary goal is and has always been, to maintain our home and not displace our family. I realize this is an uphill battle, but I will not be able to be at peace if I do not try to use every possible option until the options have been exhausted for a modification that is for the life of the loan. This issue has created tremendous anxiety and uncertainty, and I have the tremendous weight of this burden to ensure the stability of my family. I feel things are starting to cave in around me now and to have my family displaced during a pandemic is adding more to the fear. If you can make a final attempt for a modification on my behalf, I would like to pursue the optionit is at least worth the effort. Please help. Sincerely, XXXX XXXX Property Address : XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX XXXX XXXX
Company Response:
State: CA
Zip: 92026
Submitted Via: Web
Date Sent: 2022-02-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-05
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I fell behind on my mortgage, and applied for a deferment, but Mr. Cooper is not reviewing me for any assistance plans. Im just looking to communicate with them
Company Response:
State: CA
Zip: 90291
Submitted Via: Web
Date Sent: 2022-02-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-05
Issue: Trouble during payment process
Subissue:
Consumer Complaint: On XX/XX/XXXX Mr. Cooper presented me with an escrow analysis claiming I have a shortage of {$1000.00} and requiring an additional {$90.00} a month on my mortgage payment. When looking at the detail I found that they had paid my {$970.00} insurance payment twice on XX/XX/XXXX and XX/XX/XXXX. They claim to have stopped payment on the XXXX check but have not provided me with a new escrow analysis.
Company Response:
State: KY
Zip: 41051
Submitted Via: Web
Date Sent: 2022-02-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-04
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I am tired of the run around from Mr. Cooper in trying to come out of forbearance ( via the CARES Act ) which has been ongoing now for the last 8-9 months. Where to begin? I was told up front I'd be able to enter a deferral plan upon exiting forbearance only to be told other-wise. I then subsequently wasted MONTHS on 2 loan modification requests which were both denied. Now there has been mis-representation on who actually owns my Note which has led me to believe there are greater mechanisms occurring in an attempt to foreclose on my home. Per the attachment, after asking several times, Mr. Cooper informed me that Federal Home Loan Mortgage XXXX XXXX XXXX ) holds my mortgage Note. However, I spoke to XXXX XXXX on XX/XX/XXXX and they told me that they DO NOT OWN MY MORTGAGE NOTE AND HAVENT SINCE XX/XX/XXXX. You can call XXXX ; ( then select Option # 1 ) to verify this information. This therefore begs the question : Why would Mr. Cooper send me a letter fraudulently stating otherwise? ( again, defer to attached ) MR. COOPER NEEDS TO ADVISE ME WHO OWNS MY LOAN NOTE IMMEDIATELY ALONG WITH THEIR CONTACT INFORMATION OR I WILL HAVE NO CHOICE BUT TO PURUSE LEGAL ACTION ON THIS MATTER DUE TO THE FOLLOWING REASONS : 1 ) Mis-representing the owner of my Note ( for YEARS ) as being XXXX XXXX XXXX 2 ) Not allowing me a deferral option post-forbearance after being told otherwise up front. All Im repeatedly told is Deferral is not allowed. '' SAYS WHO???? I would like to hear it directly from this mysterious owner and/or investor of my Note. 3 ) Not allowing me to take a loan modification either : I was asked UP FRONT if Id accept a higher payment for the 2nd loan modification request. After saying Yes and then waiting for 5-6 months, I was told my loan modification request was denied because the payment couldnt be LOWERED. Really?? Why ask me then if Im ok with a higher payment up front if it was already known raising the payment wasnt even an option for a loan modification? I was never advised by any of the many representatives I spoke to for either of my loan modification requests, that approval was based on the presumption of a lower monthly payment. 4 ) The imposter investor named XXXX? Last time I called, I was told by the representative XXXX was the investor holding my Note whom allegedly does not allow deferral options. Interestingly, I can not find any company by that name. I AM TIRED OF THE LIES, MIS-INFORMATION AND RUN AROUND. I AM READY AND ABLE TO RESUME MY MORTGAGE PAYMENTS BUT MR. COOPER HAS MADE IT IMPOSSIBLE IN MY MANY ATTEMPTS TO DO SO AFTER MIS-LEADING ME UP FRONT. I feel that at this point, due to all of the mis-information, confusion and their unwillingness to offer any asisstance except to tell me verbatim " Sell your house '' or " Get a 2nd job '' that I have no recourse but to pursue legal remediation. I am beyond exasparated at this point as to how things have gone thus far and hence, the reason I am filing this complaint.
Company Response:
State: IL
Zip: 60605
Submitted Via: Web
Date Sent: 2022-02-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-04
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: XX/XX/2022 RE : Foreclosure Sale TS No : XXXX XXXX XXXX XXXX XXXX Foreclosure Sale TS No : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX ext XXXX https : XXXX Mr Cooper Account Number # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bypass XXXX, TX XXXX XXXX https : //www.mrcooper.com/ XXXX XXXX XXXX XXXX XXXX XXXX TS No : XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX https : XXXX Please reverse the sale of our home. Request attached to this email. Please help, the auction sale was scheduled for Wednesday, XX/XX/2022. I am at a critical point in our homeownership. I have in good faith tried to negotiate a modification for the life of my loan that is fair to the investors, servicer, and my family. I do understand that the bank does not have to offer or even extend any modification terms. I am not looking for handouts and we are fully aware of the moral hazard implications do not want to contribute to it. I have utilized both XXXX XXXX and XXXX XXXX bankruptcy filings to place my family in a financial position to afford the mortgage and to avoid foreclosure I have reduced and cut expenses in every way possible. I have utilized every legal remedy to save our home. We have been told, by HUD agencies and credit counselors, that our front and rear-end ratios regarding our income are sufficient to receive an affordable modification, however, the investor group has rejected every viable option to receive a life of the loan, an affordable mortgage solution to date. On Wednesday, XX/XX/2022, the above agencies foreclosed on our home. I have exhausted efforts to achieve an affordable mortgage because the investors, to date, have denied any affordable mortgage for the life of the loan because they have only extended payment plans that have been temporary and offered no long-term solution. If given the chance for a fair solution, we will be able to sustain mortgage payments for the life of the loan. I am now at the mercy of the servicer, the investors, and any efforts that can be extended at this point. I pray that the investor team will have compassion and really work to help us maintain our home with a proprietary mortgage modification solution that is long-term, affordable for all the stakeholders to include the investor and servicer. Please help, as this will be my last opportunity to maintain our home. Although I have never received a sustainable modification to date, I am hoping a final effort can be made for a modification on behalf of my family, and our family of XXXX is not displaced. Our primary goal is and has always been, to maintain our home and not displace our family. I realize this is an uphill battle, but I will not be able to be at peace if I do not try to use every possible option until the options have been exhausted for a modification that is for the life of the loan. This issue has created tremendous anxiety and uncertainty, and I have the tremendous weight of this burden to ensure the stability of my family. I feel things are starting to cave in around me now and to have my family displaced during a pandemic is adding more to the fear. If you can make a final attempt for a modification on my behalf, I would like to pursue the optionit is at least worth the effort. Please help. Sincerely, XXXX XXXX Property Address : XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX XXXX XXXX
Company Response:
State: CA
Zip: 92026
Submitted Via: Web
Date Sent: 2022-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A