Date Received: 2021-11-22
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I am writing a letter to you to ask that a lawsuit was filed against Mr. Cooper [ Nationstar Mortgage XXXX XXXX Mr. Cooper ( XXXX ) XXXX on XX/XX/2021 and served on XX/XX/2021, howcome you guys are so careless that you haven't responded? ( Please see the attached lawsuit in Exhibit XXXX ), also see proof of service in Exhibit XXXX Within XXXX business day let me know why you haven't responded to the lawsuit. thanks
Company Response:
State: CA
Zip: 92833
Submitted Via: Web
Date Sent: 2021-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-22
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Im XXXX, I needed to remove judgment liens on my home. I was told by lawyer I had to file bankruptcy so i did in order to to remove them. I was never aware of the process called reaffirming mortgage loan with lender, as a result the lender reported my loan as delinquent and included in bankruptcy instead of reporting payment status ; paid as agreed. Also, XX/XX/XXXX all three credit agencies marked I was delinquent from approximately XXXX through XX/XX/XXXX which has a negative mark. However, I never missed a payment nor was I ever late and I have about XXXX pages from the lender showing all payments on time, yet no one/company will remove the negative mark for XX/XX/XXXX. I also noticed that the agencies did not receive payment history several months prior to XX/XX/XXXX which shows I was delinquent or derogatory. All three credit agencies and the mortgage company Nationstar/Mr. Cooper has not only defamed my name, they also are fraudulently reporting incorrect information about my payment history and status. I have disputed this claim about 4 times a year written in different ways in hopes they would understand their errors. To date, they, Mr. Cooper still will not acknowledge their errors, therefore the XXXX agencies are still reporting XXXX delinquent/XXXX for that mortgage. I sold that home and paid in full to the lender on XX/XX/XXXX. Ive been trying to get another home loan which has been difficult due to this mortgage lender reporting false information. Because Ive been defamed, and credit score has lowered due to this reporting error my quality of life has diminished to living in a rv and homeless. I deserve to have my quality of life back and these companies are destroying my mental an emotional health as a result. Please force them, Mr. Cooper to report correct information as I paid as agreed from XXXX through XX/XX/XXXX which was when I paid them in full, to remove the negative mark on XX/XX/XXXX and add all payments as positive, on time and never missed a payment so all three credit agencies have the correct information to change the false information about the payment history for that loan.
Company Response:
State: CA
Zip: 95350
Submitted Via: Web
Date Sent: 2021-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-22
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I paid off my mortgage loan at NationStar ( fictious name : Mr. Cooper ) on XX/XX/XXXX. I understand they are allowed XXXX days to refund my escrow balance. It has now been XXXX days, but I still have not received a check. If I was late on a payment, I would have to pay a penalty. But, apparently, it is OK for them to take as long as they like to return my money without any consequences. They claim to have mailed a check on the XXXX, but we know that is a lie because first class mail does not take XXXX days or more inside the USA. When my check eventually arrives, we may be able to confirm that they lied by checking the postmark on the envelope. This is not my first terrible experience with NationStar. They have an abysmal record.
Company Response:
State: VA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-21
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: XX/XX/2020 i sent payoff check from XXXX XXXX XXXX to mr cooper for insurance payoff, my account XXXX with mr cooper XXXX XXXX XXXX XXXX txXXXX after i sent check i received loan invoices i called and said there must be a mistake i sent XXXX payoff check from insurance, and my balance was XXXX they did not get back to me as the rep said he would, when i appied for a loan i found they reported to XXXX XXXX XXXX i missed payments of XX/XX/XXXX, when they said they couldint find a check i asked they open an embesslement case with XXXX rangers XXXX after that suggestion the check was locsated in XXXX, they still refused to accept responcability for there coworkers error, i then reached out to attorney genrel i got a responce dated XX/XX/XXXX and XXXX XXXX pointed me toward your agency XXXX so i ened up just getting a loan at XXXX when i could od got it at XXXX i couldint buy a house to replace my burned down XXXX because after insurance paying off property it didint leave enough to buy a structure, so i had to rent rooms going to XXXX area wherer i visit family regularly and with covid i had to rent a room, this company refused to take responsibility, so they damaged my credit and the loan officer didint want to work with me as he believed i wasint being truthful, i lost time of repairing my house and refiancing ; because they refused to acknoledge there employees mistake of location of check ty XXXX XXXX
Company Response:
State: CA
Zip: 94066
Submitted Via: Web
Date Sent: 2021-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-21
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. I want an answer immediately.
Company Response:
State: PA
Zip: 194XX
Submitted Via: Web
Date Sent: 2021-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-20
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Our mortgage company, Mr. Cooper, contacted us ( numerous times ) to let us know that due to COVID hardship ( my self-employed business significantly declined ), we would qualify for a " deferral program '' for XXXX months. We were supposed to begin making our mortgage payment on XX/XX/2021, however they would not let me because they said they we should never have been accepted into the deferral program because we were a few months behind on our mortgage payments when COVID started. We were told that it was their ( Mr. Cooper 's ) unfortunate mistake that we were allowed to be put into this deferral program, however they could not do anything about it. After a few weeks, we were finally put in touch with a loss mitigation officer ( XXXXXXXX XXXX XXXX at Mr. Cooper and she said she would put a request in to see if Mr. Cooper would allow us to be placed in the deferral program. After XXXX days, she called back and said that they declined our request to be put in deferral. Interestingly, she mentioned that if we paid the {$6000.00} in back payments ( approximate ) she could put that request through again because we would be up to date on payments. We asked if that would guarantee that we would be accepted into the deferral program and she said " no ''. We contacted an attorney, who advised us to NOT pay them the {$6000.00}, unless we had a guarantee. We would never have agreed to go into deferral if we knew that Mr. Cooper was just going to try to foreclose on us.
Company Response:
State: OH
Zip: 442XX
Submitted Via: Web
Date Sent: 2021-11-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-20
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Signed loan docs with XXXX XXXX XXXX on XX/XX/21 - refinancing an existing mortgage with XXXX XXXX First payment was due XXXX. I rec 'd a billing stmt from XXXX on XXXX. I paid my first mortgage payment, {$3100.00} on XXXX ( for due date XXXX ) Days later, I received notification from Mr. Cooper ( servicer ) that they were taking over control of my loan - and I received a billing statement, dated XXXX - showing payment due XXXX. After multiple attempts to reach Mr. Cooper, I connected with on XXXX. I informed them my payment was made and they should contact XXXX to find out where it is. I spoke with XXXX, in escalations, who was no help in finding my payment they lost- but did try to sell me insurance (? ). Strangely, I rec 'd another bill from XXXX XXXX XXXX, dated XXXX - reflecting my first payment being posted - and not showing my account due until XXXX. On XXXX Mr Cooper called on my delinquent loan - stating that non-payment could impact my credit and result in late fees. Not sure how a payment made weeks in advance could lead to this outcome. Change in servicing is what resulted in this problem- and I did not ask for my loan to be sold, serviced elsewhere or whatever.
Company Response:
State: OH
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-11-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-19
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: cooper is using Unfair, Deceptive, or Abusive Acts or Practices by stating they addressed the cease and desist XX/XX/XXXX from my " initial '' request XX/XX/2021 ( which is a lie because they have had this cease information on record for at least two year or more now because of other inaccuracies or blatant lies from which i then told them to only communicate electronically with me so there could be a record but they claimed I never said anything until XXXX of this year and EVEN STILL THEY VIOLATE and nothing going to be done. still waiting on my hemap loan and im within the waiting criteria for that and also i have a complaint with the banking and securities against mr cooper and they have time to play games on the phone so yet again this proves AGAIN they don't do what they say and mistakes are a EVERYDAY occurrence with this entity and this is affecting consumers lives and i been a witness first hand.
Company Response:
State: PA
Zip: 151XX
Submitted Via: Web
Date Sent: 2021-11-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-19
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Before the pandemic I was working XXXX jobs and lost the park time employment due to lack of hours during covid. This created a financialy hardship for me and I fell behind on my mortgage. XXXX - I applied for a loan modification on XX/XX/21 - On XX/XX/21 XXXX with XXXX XXXX told me my hardship application was complete and it would take XXXX days for a decision - On XX/XX/21 XXXX with XXXX XXXXr stated they are backed up which has caused a delay in the decision for my hardship request - On XX/XX/21 XXXX with XXXX XXXX submitted an escalation for clarity on the delay and how much more time could be expected. She communicated a XXXX business days response time - On XX/XX/21 XXXX with XXXX XXXX stated the escalation was still open and that was the XXXX business day so to call back XXXX - On XX/XX/21 XXXX stated the escalation was still open and there isn't anything they can do until the escalation is responded to and allow another XXXX weeks- On XX/XX/21 XXXX with XXXX XXXX stated my escrow analysis was completed on XX/XX/21 - On XX/XX/21 XXXX submitted an escalation asking for an update on the review and when a decision would be reached - On XX/XX/21 XXXX with XXXX XXXX stated the underwriting department started to review my application for a flex modification. When I asked what they had been doing from XXXX, she stated they review for all options to try and help me My hardship request has been denied for the following reason : Insufficient Monthly Payment Reduction. We are unable to offer you a modification because in performing our underwriting of a potential modification we could not reduce your principal and interest payment. When I asked for clarity on how there was nothing that could be done, I was told that I am already at the lowest terms with a XXXX XXXX rate and {$1300.00} mortgage payment. When I asked why my mortgage statement shows XXXX XXXX I can not get a direct answer other than their system shows I have a XXXX XXXX. I have included my reason for denial along with multiple mortgage statements that contradict what is being said to me over the phone.
Company Response:
State: NV
Zip: 89074
Submitted Via: Web
Date Sent: 2021-11-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-19
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My mortgage company Mr Cooper formally known as Natiostar has an forced escrow account on my mortage account claiming that their paying my insurance and taxes which is untrue and charging my account I has been paying my own insurance and taxes for the last two years in full on time .I contacted Mr Cooper and explained this to the agent that I spoke with on two different occasions first on XXXX and was told the escrow account was submitted for removal and I would receive a confirmation letter by mail .that confirmation letter never came so again I reached out to Mr Cooper again on another call and was told by a different agent the removal was denied due to delinquent payments in the previous 12 months. I had no Delinquent or missed payment in the Las 12 months which was verified by the first agent I spoke with .now the second agent on XXXX which also verified that there was no Delinquent or missed payment and stated she will be resubmitting the removal and I would be receiving a resolution letter in the mail by XXXX I never received that letter also. on XXXX again I reached out to Mr Cooper on XXXX and inquired about the escrow account that was resubmitted for removal the agent told me the escrow was not being removed because of late payments
Company Response:
State: MI
Zip: 48601
Submitted Via: Web
Date Sent: 2022-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A