Date Received: 2021-10-26
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I have a question for Mr. Cooper Mortgage servicer. Can you wait for " California Mortgage Relief Program '' to go live before you start collecting any mortgage payments from me? I am waiting for this Program to go live, and it is really important. I have tried contacting everyone regarding this program from US treasure to XXXX. They have no idea when it will go live but I am expecting it go live within next 2 -3 months, so let me take advantage of it and lets wait for another 2-3 months before you start collecting payments from me ( Please see attached file for the CA Mortgage relief website ).
Company Response:
State: CA
Zip: 92833
Submitted Via: Web
Date Sent: 2021-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-26
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Under the Federal Government Cares Act, I applied for Forbearance in XX/XX/XXXX & as per the regulation all missed payments must be added to the back of the loan & due to the fact I have an FHA loan The regulation requires that I am entitled to yet another year extension, My Servicer has insisted that they will not honor the comply with the Cares Act requirement & they sent me a demand payment request to pay them the sum of XXXX, Which is a total violation & They have sent me threatening letters, They came to my home & posted Notices on my front door, My Forbearance must end XX/XX/XXXX because my loan is an FHA loan
Company Response:
State: FL
Zip: 329XX
Submitted Via: Web
Date Sent: 2021-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-26
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: Mortgage was paid in full XX/XX/2021. Today, XX/XX/2021, received a letter dated XX/XX/2021 indicating that they received a request for transfer of deed in lieu. I contacted Champion mortgage to return the unused portion of the insurance premium a few days after closing. Almost 6 weeks passed and I called again because it hasn't been received and was told that it was sent to the wrong address after I have received NUMEROUS documents from them. They are withholding the unused insurance premium and sending documents for me to sign for a deed in Lieu when the property has had a new owner since XX/XX/2021 and they have had payment in FULL. This is the worst servicer I have ever dealt with and I work in the mortgage banking field!
Company Response:
State: FL
Zip: 33321
Submitted Via: Web
Date Sent: 2021-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-25
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My Mr. cooper mortgage account states that PMI was due on XX/XX/2021, and my Escrow includes reserves for these payments, but none have been made. Mr. Cooper reports that they do not know why and need to investigate why, meanwhile my PMI appears to be 6 months overdue. While they haven't attempted action against me for this, nor should they as it is the Mortgage company, via escrow, who should be responsible, but I don't want to suddenly discover I'm in trouble because somebody screwed up. Given my prior complaint about Mr. Cooper misappropriating escrow funds, I have low confidence and need to ensure there is some external oversight and record of my attempts to solve the problem.
Company Response:
State: NH
Zip: 038XX
Submitted Via: Web
Date Sent: 2021-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-25
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I was notified by XXXX that my application was received on or by XX/XX/XXXX for XXXX YET still i get calls from XXXX with no messages just calls. don't think there really suppose to be calling me until the process is completed. ALSO after i complained XXXX XXXX about the clarity of record keeping or lack there of XXXX wastes time yet again by sending REDUNDANT INFORMATION i wanted the records showing when they received my documents to facilitate how do they come to the conclusion on what is timely permissible or not. I certain this fortune company is going to claim that they dont have the capability to take me out the dialer like why would one comply with FCC???? they assigned another minion who thought im so impressionable by changing the name of the messenger i wouldn't know its the same stall tactic they always use deny conflate ignore run out the clock force bogus modifications short sale you or foreclosure. why wont you show when you received my documents? Any XXXX XXXX or XXXX can produce elements as representations but since you're vetted by the government and its not a class action issue or gross blatant forced circumstance then oh well BUSINESS AS USUAL
Company Response:
State: PA
Zip: 151XX
Submitted Via: Web
Date Sent: 2021-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-25
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I desperately need someone's help with getting the foreclosure auction on my mom 's home stopped!! I've been working for months to try and get the mortgage lender to approve a short sale. I have submitted every document required for the process, my mother 's death certificate, short sale application, an offer, probate documents, everything! And they refuse to review it. I do not want there to be a foreclosure on the public record, it is against what my mother would have wanted. I have tried to get someone to work with me to review the information that I have submitted and no one wants to assist me. The house is not worth nearly what Champion mortgage believes to be the value, and it is certainly not worth enough to pay off the loan in full. The home is dilapidated and the company is taking a huge risk going to auction because they will not get nearly what they are looking for. Please help me!
Company Response:
State: OH
Zip: 452XX
Submitted Via: Web
Date Sent: 2021-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-23
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XX/XX/2021 I, a CONSUMER, a NATURAL PERSON wrote a letter according to 15 USC 1692g to inform Nationstar/Mr. Cooper, an organization, that I was disputing and requesting Validation for an alleged debt. I also informed Nationstar/Mr. Cooper, an organization, that If they reported any invalidated information to the 3 major credit -reporting agencies ( XXXX, XXXX and XXXX XXXX that their actions may constitute fraud under federal and state laws. I also wrote Nationstar/Mr. Cooper, an organization, a Cease and Desist according to 15 USC 1692c ( c ) informing Nationstar/Mr. Cooper that I was refusing to pay the alleged debt and to cease all forms of communication with me through any and all mediums. I informed Nationstar/Mr. Cooper that I, a CONSUMER, the original creditor was invoking my special remedy according to 15 USC 1692c ( c ) ( 2 ) demanding they XXXX out the balance of the account, grant me my property deed lien free, pay the attached invoice and to delete from all Consumer reports. I instructed them to provide me with the name and address of the alleged creditor, name of the alleged debtor, alleged account number, address of alleged debtor, amount of alleged debt, date the alleged debt became payable, date of original charge of delinquency, was the debt assigned to a debt collector or purchased, amount paid if debt was purchased, commission for debt if collection efforts are successful. I instructed Nationstar/Mr. Cooper, an organization, to attach the agreement that granted the collection agency the right to collect the alleged debt, the signed agreement debtor made with debt collector or other verifiable proof of contractual obligation to pay debt collector, any agreement that bears the signature of the debtor agreeing to pay creditor, all statements while account was open, have any insurance claims been made by any creditor regarding the account, have any judgments been obtained by any creditor regarding the account, and the name and address of the bonding agent for the debt collector. I informed Nationstar/Mr. Cooper, that they had 30 days to return the form I sent completed along with all requested information, assignments or other transfer agreements, which would establish their right to collect the alleged debt from the date of receipt of my letter. I informed Nationstar/Mr. Cooper that their claim could not and would not be considered if any portion of the form was not completed and returned with copies of all requested documents. XX/XX/2021 I, a CONSUMER, a NATURAL PERSON sent the letter to Nationstar/Mr. Cooper, an organization, by way of U.S. Postal Service, CERTIFIED MAIL RECEIPT. XX/XX/2021 I, a CONSUMER, a NATURAL PERSON checked the USPS website to track the letter sent on XX/XX/2021 and saw that it was delivered XXXX, XXXX to XXXX XXXX TX XXXX I did not receive a CERTIFIED MAIL RECEIPT from Nationstar/Mr. Cooper notating it had been received by an agent of Nationstar/Mr. Cooper. Nationstar/Mr. Copper has not complied with the Cease and Desist and has continued to contact me through mail and other means, Violating 15USC 1692c ( c ).
Company Response:
State: TX
Zip: 77396
Submitted Via: Web
Date Sent: 2021-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-23
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: In XX/XX/2021 I, contacted Nationstar Mortgage LLC D/B/A MR. COOPER to make the lender aware that we the borrowers were not able to pay the {$23000.00} due on the Balloon loan as of the XX/XX/2021 maturity date and needed to know what our options were. I was told that there were 2 options : a loan modification or refinancing but was encouraged to refinance. I applied for refinancing but was denied. Reason : debt to income. In XX/XX/2021, I decided to apply for the Loan Modification but was told the Investor was no longer doing loan modifications and was encouraged again by customer service to submit an application to refinance the Balloon Loan and was referred to a Loan Officer. I made him aware that my 1st application was denied. After his initial review of our information he said we should move forward with a 2nd application because he believed we would be approved. Thus, the process begun. The loan officer later told us that our application had been approved. More than once, I reminded him that the 1st application was denied and asked what made the difference the 2nd time? He said because our income was from Social Security and Pension, we were good candidates for refinancing. We complied with all the requests : paid {$590.00} for an appraisal, e-signed many company generated documents, submitted several requested documents, communicated with the loan officer and loan processor by phone and email several times. After several weeks, we expressed our concern about the process going beyond the XX/XX/2021 maturity date of the loan to the loan officer, the loan processor and customer service and each time, we were assured the refinancing would override the default. The Loan Estimate Fact Sheet changed several times ( approx. 5 times ) and each time we asked for an explanation. The loan officer told us, we should close by the end of XXXX. Instead, on XX/XX/2021, we received a Statement of Credit Denial Letter ( attached ). It states, " Poor credit performance with us. '' When the loan was transferred to Nationstar Mortgage, they were authorized to automatically withdraw the payment on the first of each month. Nationstar discontinued the automatic withdrawal effective XX/XX/2021. Since then, we received letters offering assistance and referring us to a single point of contact ( SPOC ). Our attempts to contact the SPOC on numerous occasions were unsuccessful. However, I connected with a Call Center representative who referred me to the Loss Litigation department who then referred me to a Reverse Mortgage lender, Hope and HUD. On Tuesday XX/XX/2021, we removed from our mailbox a letter dated XX/XX/2021 from the Attorneys representing Nationstar d/b/a Mr. Cooper informing us of their intent to foreclose on our property within 33 days ending XX/XX/2021. Our Complaints : the reason ( s ) given for denial should have prevented the application process from going forward, we were robbed of 3 months that could have been used to find another solution, we should not have incurred the appraisal expense, we believe the foreclosure was always their intent. Thank you for your attention,
Company Response:
State: MN
Zip: 55337
Submitted Via: Web
Date Sent: 2021-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-23
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: During my refinance, I was required to provide proof of homeowners insurance. The proof I provided clearly shows it does not expire until XX/XX/XXXX. Now, in XX/XX/XXXX, the Mr. Cooper has purchased insurance for me. Their letter says they have a website where I can upload documents proving my policy. However, the website, XXXX XXXX XXXX is broken. The popup window says " You must enter your e-mail address and if available, make a selection regarding whether you would like to receive SMS messages before proceeding. '' But there is no box to select SMS messages. There is no way to proceed. I can not upload my policy and get this policy canceled.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-22
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: The Mr.Cooper loan collection company has been mailing my law office bills for a former client that is now deceased. I've called the loan collection company multiple times and explained to them that this is no longer my client, and that he is now deceased, but they continue to send all of his bills to my office. The latest bill is in the amount of {$13000.00} and is dated XX/XX/2021.
Company Response:
State: NY
Zip: 11706
Submitted Via: Web
Date Sent: 2021-10-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A