Date Received: 2021-09-06
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I basically did all the homework on this and figured it all out. Mr. Cooper pocketed {$320.00} in overage after my principle was paid off. I refinanced my house in XXXX with a settlement date of XX/XX/XXXX I discovered it while closing out my accounting books for XXXX using double entry method. I use double entry accounting method under XXXX open source software. The strange thing is that the only way I was able to catch is because the losing lender pocketed {$320.00} in overage that they never gave back to me from the software categorizing monies in and monies out. At any rate, the summary is below. MR. COOPER UNPAID BALANCE GOING INTO SETTLEMENT $ XXXX XXXX ) was the principle left to pay going into the settlement. {$510.00} was my additional payment of principle on XX/XX/XXXX. $ ( XXXX ) was the final adjusted principle left to pay going into the settlement $ ( XXXX ) was the Reconveyance Fee going into the settlement $ ( XXXX ) was the County Recording Fee going into the settlement $ ( XXXX ) was the Expedited Delivery Fee going into the settlement $ ( XXXX ) Is the total Unpaid Balance ( UPB ) going into the settlement ( sum of the above ). XXXX XXXX SETTLEMENT ACTIVITY {$260000.00} was sent to MR. COOPER by XXXX XXXX $ ( XXXX ) was the new loan amount at XXXX XXXX $ ( XXXX ) is the difference between what was sent and the new loan amount. ALL DISBURSALS BY MR. COOPER XXXX WHETHER COMPLETE/INCOMPLETE ) $ ( XXXX ) Is the total Unpaid Balance going into the settlement ( sum of the above ). {$260000.00} was sent to MR. COOPER by XXXX XXXX {$1500.00} Overage $ ( XXXX ) Mr. Cooper disbursed this amount to me as a result of overage {$320.00} Is the amount of overage that MR COOPER failed to pay out to me, which I am recovering.
Company Response:
State: IL
Zip: 60013
Submitted Via: Web
Date Sent: 2021-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-06
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: My Name Is XXXX XXXX XXXX XXXX. I am a XXXX-year-old XXXX XXXX Male. I am a veteran. i am XXXX XXXX XXXX. I work full time. I am a XXXX for the XXXX department for 6th largest XXXX XXXX in the Country. My address is XXXX XXXX XXXX. XXXX XXXX XXXX. The property is in XXXX XXXX. My Mr. Cooper Mortgage account # is XXXX.My Loan Application # is XXXX On XX/XX/2021 I was offered a VA re finance Loan by Mr. Cooper Mortgage . This is a special program offered to veterans to lower their interest rate. Mr. Cooper currently hold the loan on my house. Ms. XXXX XXXX ( XXXX ) is the loan Manager and Ms. XXXX XXXX ( XXXX XXXX ) in the loan processor. Ms. XXXX sent me a disclosure offering me a 2.3 % interest rate lowering my monthly payment by {$400.00}. XXXX per month on are about XX/XX/2021. I docu signed for processing. The underwriter Inspiring Closing, Ms. XXXX XXXX, then started their process. Due to XXXX treatment and XXXX XXXX, I added my minor daughter 's name to my Deed as survivor in residence. I received a request From Ms. XXXX to send over my daughter 's birth certificate, I am her biological father listed on her birth certificate and I was told to get a Guardian ship court order. I had my minor daughter 's name removed from the deed. I was also told to get flood insurance, which the FEMA flood maps show that my House is not in a flood zone. My existing mortgage did not require flood insurance the mortgage is with this same company. There was no prior request to get flood insurance My loan was declined. I have not received a reason for the decline. This is discrimination because I am of XXXX color. I meet all the requirements to qualify for this VA refinancing. 80 % of people of XXXX color are discriminated against by Mortgage lending institutions. Because of this institutionalized discrimination only 42 % of the XXXX skin and XXXX population in America are homeowners. 75 % of the white population own property. Therefore, people of color are denied home ownership despite their service to this country, and hardworking taxpayer which I have worked 48 years, I am being denied equality just because I am of brown skin. Iam seeking equal justice, and opportunity for the refinancing under the law. I believe Mr. Cooper mortgage is in violation of my rights to be treated equal as a citizen and taxpayer. If I were white, I would not be held to this scrutiny. My question is are all applicants held to this standard of treatment? Are XXXX Americans held to this standard when seeking to reduce their interest rate with there existing mortgage company? I will continue to pursue this matter with other agencies as I am trying to prepare for my retirement because of my age and medical condition. This re finance is necessary. Other contacts for Mr. Cooper Mortgage : XXXX XXXX ( XXXX ), XXXX XXXX XXXX, XXXX XXXX
Company Response:
State: GA
Zip: 30252
Submitted Via: Web
Date Sent: 2021-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-05
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I was approved for a VA Loan modification per COVID-19 Home Retention Waterfall and COVID-19 Refund Modification. The VA assisted me with securing a loan modification after a year long battle during the COVID-19 forebearance process. Mr. Cooper failed to acknowledge the receipt of the required forbearance information, even though I submitted it to them ( timely ) on three to four separate occasions. My loan modification was approved and I closed with Mr Cooper 's assigned mobile notary closer in May. The first payment was set for XX/XX/XXXX. Mr. Cooper 's closer submitted the signed documents. In XXXX, Mr. Cooper called demanding {$800.00} for a trial period ( not required per VA ). When I informed Mr. Cooper that I had an approved loan modification in place, I was told there was no record although a previous representative had informed me otherwise. I received a second set of loan modification documents with a new payment start date. I arranged a second mobile closing with the same Mr. Cooper notary for XX/XX/XXXX. The documents were signed and returned to Mr. Cooper via XXXX. The first mortgage payment date was XX/XX/XXXX. We paid our mortgage as agreed on XXXX and again on XXXX. However, Mr. Cooper has not posted payment after cashing the check. Mr. Cooper continues to send me notices demanding over {$15000.00} in default payments. I have come home twice in XXXX to find demand notices taped to my front door ( publicly embarrassing ). I am receiving calls from Mr. Cooper several times a week demanding {$800.00} for a trial period. Mr. Cooper representatives claim that no record of the loan modification is showing. Some representatives seek {$800.00} and others erroneously demand {$15000.00} or they are going to default my mortgage and report to the credit bureaus. I believe Mr. Cooper is aggressively moving forward with a discriminatory foreclosure process. I have been devastated by this ordeal. Due to COVID-19 we needed a forbearance for just a couple of months. But due to Mr. Cooper 's questionable tactics and potentially discriminatory practices, this process has taken more than a year. I am an XXXX XXXX veteran dealing with a VA mortgage loan modification nightmare during the COVID-19 emergency period. Please protect this consumer 's rights. Thank you.
Company Response:
State: SC
Zip: 29687
Submitted Via: Web
Date Sent: 2021-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-06
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Currently, Mr. Cooper has our home up for sale on XX/XX/2021, even after we sent them a complete/full modification package. They did not send me any proposal mortgage modification packages.
Company Response:
State: CA
Zip: 95747
Submitted Via: Web
Date Sent: 2021-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-04
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Currently I am on a Forbearance with my Mortgage servicer Mr. Cooper, and when I called them two months ago I was told that I can extend my Forbearance till XX/XX/XXXX, suddenly I started getting messages that my Forbearance will end by this month ( XX/XX/XXXX ) and I need to start paying by XX/XX/XXXX. Now I am still facing hardship due to Covid-19 so my Mortgage servicer should extend it till XX/XX/XXXX. When I called them Mr. Cooper employee said that they are working on my monthly Payment modification and when I asked how much that monthly payment will be, they said it takes 30 days to work on a payment modification, I asked why it takes 30 days, they said that they are understaffed that is why. When Mr. Cooper makes so much money how come they are understaffed? Doesn't make any sense. And why it will take them 30 days for a payment modification, it should take a maximum of 2 days for a payment modification.
Company Response:
State: CA
Zip: 92833
Submitted Via: Web
Date Sent: 2021-09-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-04
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Purchased home on XXXX using mortgage company XXXX, they sold it to Nationstar. XXXX XXXX XXXX at XXXX XXXX emailed homeowner Thank you for taking the time to talk with me about the difficulties you were experiencing with bill pay. Ive called online banking and they are opening a case to look into the issue. XXXX, the specialist with the Online Banking department, let me know shes sending something called good faith letters to Mr. Cooper that will show that XXXX XXXX is looking into the situation. She also stated that she would be sending proof of payment letters to Mr. Cooper within 1 business day and you should hear back from them no later than 7 business days. If you need additional assistance, please reach out to me. XXXX Homeowner contacted Mr. Cooper about discussing refinancing and were notified that we had to get current on our payments before we could discuss refinancing. Payments needed to be made for XXXX, XXXX and XXXX. We also received an email letting us know that our new home loan request was received. XXXX Homeowners were notified that the Hazard Insurance was paid for 1 year XXXX. XXXX Homeowner contacted Mr. Cooper and uploaded documents from XXXX XXXX - bank statements showing that the payments were deducted from our bank account. XXXX Mr. Cooper responded Thank you for your ticket. We look forward to helping you. Due to high demand, our response times may be longer than usual. All tickets are assigned based on the order they are received. Well reach out if we need additional information to complete your request. Theres nothing else you need to do at this time. XXXX Mr. Cooper responded Thank you for contacting Mr. Cooper. Due to the nature of your request additional research is needed, along with supporting documentation related to your inquiry. Please fax a copy of the statement to our Research and Response Department at ( XXXX ) XXXX or by mail to the address referenced below. Please make sure to include your ten-digit Mr. Cooper loan number on the supporting documentation to expedite this process. Mr. Cooper XXXX Homeowner faxed the documents to the above number. XXXX Homeowner sent the message to Mr. Cooper. I have mailed the information bank statements showing the payments came out for XXXX, XXXX, and XXXX. I have been charged late fees and these have not been addressed. Today, I was making a payment online directly through the Mr. Cooper website and I put in {$2000.00} for the payment and it was changed to {$3600.00} automatically. XXXX Homeowner went to XXXX XXXX and talked with XXXX XXXX and filled out paperwork to Stop Payment on the {$3600.00}. XXXX XXXX applied it to homeowners husbands account instead of wife 's account, therefore it went through. XXXX Mr. Cooper responded Thank you for your ticket. We look forward to helping you. Due to high demand, our response times may be longer than usual. All tickets are assigned based on the order they are received. Well reach out if we need additional information to complete your request. Theres nothing else you need to do at this time. Your ticket number is XXXX. XXXX Mr. Cooper responded Thank you for contacting Mr. Cooper. Please be advised that we have notated your account with this information. Our records indicate that your last payment was received on XX/XX/2021, in the amount of {$3600.00}. Please be informed that once the payment is processed, we are unable to stop or cancel the payment. Due to the nature of you late fee inquiry, additional research is needed. We have forwarded your request to our research team for further review. Please allow 7 business days for us to resolve your inquiry. You will receive a letter of resolution within 7-10 days after our review of your account. If you have any questions, please contact us directly at XXXX or call customer service department at XXXX. Sincerely, Mr. Cooper XXXX Received a written response to my request about late fees regarding my XX/XX/XXXX inquiry, denied. XXXX Homeowners reached out to XXXX XXXX at XXXX XXXX to discuss refinancing. He helped us with getting in touch with XXXX XXXX. Refinancing was denied until this is straightened out. Homeowners credit score has decreased due to late payment claims from Mr. Cooper. XXXX Email to XXXX XXXX, I just received a nonpayment from Mr. Cooper in the months of XXXX and XXXX. I also have these on my credit report, which is not accurate. Is there anything you can do to help me with this or can you give me a number for assistance? Thanks XXXX Email from XXXX XXXX Hi, I just spoke with a bill pay specialist thats been working on this case. It looks like youre going to be receiving a letter in the next couple days basically saying to give the online bill pay department a call so we can do a 3-way call with the Mr. Cooper merchant ( Nationstar ). They wont speak with us directly because we are not their customer so thats why we need you on the line. Im sorry youre still experiencing issues. At this point I think it might be wise to call the bill pay department and have your bills next to you and go through line by line to ensure that we have the correct account numbers, where to send payment, and things like that. Ive never encountered this before but since I cant see your online bill pay on my end. I think we need to have them take a closer look and work with you directly. It seems to me that these payments are being processed but then not applied to the correct account number on the billers end? XXXX Homeowner to XXXX - XXXX, I made an appointment with the XXXX XXXX Branch Manager tomorrow at XXXX to get this figured out. I will let you know how it goes. Before we could attend the appointment at the branch, Mr. Cooper called so we did a three-way call with homeowners, XXXX XXXX and Mr. Cooper. XXXX Homeowners, Mr. Cooper customer service representative, XXXX XXXX customer representative were on a phone call to discuss the issues of mortgage payments not being credited to the mortgage. It was determined that if documentation was sent into Mr. Cooper, it would be accepted and processed. XXXX Homeowner wrote I need to figure out where my payments are going? And attached 6 months of payments coming out of bank account statements. Payments were made through XXXX XXXX in XXXX and XXXX with no issues. In XXXX, XXXX and XXXX there were problems. I received a call to say my payments havent been made. I havent changed anything on my end. Can you look at the transaction numbers and figure out where the money is at? In XXXX on the XXXX, I made the payment through Mr. Coopers website, the money came out with no problems. Thanks, XXXX Mr. Cooper responded Thank you for contacting Mr. Cooper. Due to the nature of your request additional research is needed. We have forwarded your request to our research team for further review. Please allow 7 business days for us to resolve your inquiry. You will receive a letter of resolution within 7-10 days after our review of your account. If you have any questions, please contact us directly at XXXX or call customer service department at XXXX. Sincerely, Mr. Cooper. XXXX Homeowner met with XXXX XXXX at XXXX XXXX in person to discuss the problems we were having with Mr. Cooper and the mortgage payments were making through XXXX XXXX Bill Pay. XXXX XXXX Bill Pay XXXX was added to the call and a Mr. Cooper customer service representative. XXXX asked Mr. Cooper customer service representative to run a trace on the ACH processing numbers for the mortgage payments on homeowners account and Mr. Cooper refused and demanded to know when homeowner would be making the payments. Homeowner asked to discontinue the call with Mr. Cooper and stayed on the line with XXXX and in person with XXXX. XXXX said she would call homeowner by XXXX that day with an answer. XXXX called and said there was to be a meeting on Monday, XX/XX/2021 at XXXX. XXXX Homeowner emailed XXXX XXXX about the meeting that had been set up between XXXX ( XXXX XXXX Bill Pay ), XXXX ACH processing, Mr. Cooper supervisor for XXXX on Monday XX/XX/2021 and we did not receive a call. XXXX XXXX never responded to my email. XXXX Mr. Cooper letter stated that a recent transaction on your account has resulted in us placing funds in an unapplied funds account. This unapplied funds account is used for placing funds that are insufficient to be applied as a full payment. These funds can still be used towards future payments ; however ; while the funds are in and unapplied funds account, they may not prevent your account from accruing late fees or being reported as delinquent to credit bureaus where permitted under applicable law. Your current balance of unapplied funds is {$1300.00}. To expedite the processing of these funds, please remit the remaining amount due in order to complete a full payment owed. If additional funds are not remitted and we are unable to apply these funds to your loan, they may be subject to return. As of the date of this letter, the total amount required to bring this account current if {$2300.00}. Account statuses are subject to change. Please contact us for up-to-date account information and amounts owed. XXXX Mr. Cooper wrote a letter stating that XX/XX/2021 and XX/XX/2021 payments have not been made for the amount of {$2300.00}. XXXX Mr. Cooper wrote a letter to discuss foreclosure on our home due to our loan being overdue. XXXX Homeowners hired XXXX XXXX for legal representation. XXXX Mr. Cooper wrote a letter stating to contact a delinquent loan specialist. XXXX Received a statement from Mr. Cooper {$5300.00} is due by XXXX. XXXX Homeowners, Mr. Cooper ( XXXX ) XXXX, and XXXX XXXX Bill Payment Specialist ( XXXX ) XXXX participated in a phone call to discuss the issues we were having. homeowners asked for XXXX numbers and were told there were not any. The payment didnt go out as a check, it didnt go out as ACH processing it went out through XXXX and they have account number and routing number that they corresponded together through. XXXX and XXXX no problem with this process. XXXX, XXXX and XXXX cant find our payments. What changed? NOTE : By the end of the phone call it was discovered that Mr. Cooper had changed the Account Number and it didnt match what XXXX XXXX had been using for the past few years. Mr. Cooper, customer representative XXXX stated that they needed proof of payments and they had not received XXXX and XXXX payments on our house payments. It was agreed that XXXX XXXX, Bill Pay Specialist, XXXX would send Proof of Payments along with a letter stating the account number and the routing number for XXXX. Mr. Cooper, XXXX agreed that it would be sent to the Research Department and they would then go back and apply the payments to XXXX and XXXX, they would reapply fines back to our accounts, and rectify our credit reports. Mr. Cooper, XXXX stated that they had not sent anything to the credit bureau. NOTE : This is a lie. Homeowner asked about the foreclosure letter they received and Mr. Cooper denied sending one, stating it would come by certified mail. XXXX XXXX XXXX received a certified letter of foreclosure which will take place on XXXX if the amount of {$3600.00} is not paid.
Company Response:
State: KS
Zip: 66049
Submitted Via: Web
Date Sent: 2021-09-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-03
Issue: Trouble during payment process
Subissue:
Consumer Complaint: After receiving 100 's refinance proposal by mail I decided in XX/XX/XXXX to contact 3 lenders to have different propositions. My mortgage is with Mr Cooper ( 3rd loan officer in 2 years ). I had a 1st hard inquiry with the 1st lender and a 2 weeks period to " shop '' for the best conditions without impact on my credit score. However after looking at my report I can see another hard inquiry from another lender ... They all have the best conditions until moving forward when new fees starts to appear on the closing disclosures.. Part of the refinance process an Appraiser came onsite ( {$540.00} fee ) and filled a report, this appraiser was sent by the lender I selected to move forward. However after seeing the final closing costs I decided to stop the process. I purchase my home in XX/XX/XXXX for {$420000.00}, I did some improvements and the value of homes in XXXX especially in my area exploded since last year. The appraisal report value the home {$600000.00} so I contacted Mr Cooper and asked them the process to remove the PMI. I was told that it's not possible because the appraisal wasn't done with the appraisal company they work with and that I need to pay for a new report and because my loan is less than 5 years I need to have 25 % equity ( XXXX XXXX requirements ). I paid {$540.00} for an appraisal done by an appraiser licensed by the State of Florida but I need to pay for a new appraiser!!!! with their partner ... If that's the same type of partner than what they use on their website/app that makes more sense. Mr Cooper 's App displays 2 estimates XXXX and XXXX. But they only use the XXXX value to calculate the PMI and equity! XXXX value my home {$440000.00}!!! Really?? XXXX {$590000.00} that's a big difference! I did a pool with spa, the lot is XXXX sqft, the home is front sold for $ XXXX last month but my home is value $ XXXX with their partner XXXX ... Obviously I just XXXX XXXX and they are owned by Mr Cooper !!! So convenient!!! On top of that : - {$25.00} expedited fees for each loan payoff document x 3 = {$75.00} - {$20.00} Third party reconveyance preparation fee - $ 10 county fee etc ....
Company Response:
State: FL
Zip: 33138
Submitted Via: Web
Date Sent: 2021-09-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-03
Issue: Trouble during payment process
Subissue:
Consumer Complaint: XX/XX/2021 * {$85000.00} was transferred by wire to my mortgage company and listed as unapplied funds XX/XX/2021 *i contacted mr. cooper and was told the funds would be applied in 2-3 days and posted as of the XXXX XX/XX/2021 *i contacted mr. cooper again about the unapplied funds and was told it was not enough to pay off my mortgage. i explained again i was not trying to pay off my mortgage, it was to be applied to the principle. i was informed it would post in 3 days and be applied as of the XXXX of XXXX XX/XX/2021 *i called mr. cooper and spoke with an agent who told me the funds would go through within 24 hours. i informed her i was already told twice that this would happen and did not want to end the call until i knew it was resolved. *i was transferred to escalations who informed me they wired my money back to my bank account because it was not enough to pay off the loan. i explained yet again it was not a payoff and that it was to be applied to principle. then i was told they wouldn't accept it because it was more than 90 % of the payoff amount. there is nothing in my mortgage, nothing on their website, nothing on my monthly statement indicating this 'policy '. no one that i communicated with before or after the wire transfer stated this policy. i asked about the wire transfer fees, the interest accruing since the XXXX, and was told these were all my responsibility and there was nothing they could do. *i called my bank and they have no record of the wire and let me know it should be there by the XXXX of XXXX. at that point my money will have been tied up for 3 weeks. it will take another 4 days for it to be sent back to the mtg. company. in the mean time, i am incurring interest on {$85000.00} of my loan that i should not be accruing at $ XXXX a day. *i called mr. cooper back and filed a complaint and was told i should speak with a manager *i called mr. cooper again and asked for a manager. i was sent to escalations for the 3rd time. i reiterated that i wanted to speak to a manager. i was on hold multiple times throughout this over 30 minute call. still no manager. still unresolved. all i want are the wire fees to be refunded and balance to be applied to the principle as of XX/XX/2021 when they were originally received.
Company Response:
State: IN
Zip: 46205
Submitted Via: Web
Date Sent: 2021-09-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-02
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I received an escrow review statement from mortgage company Mr Cooper the other day and immediately saw things weren't right. I called them today and they tried to run me in circles without giving me any straight answers. They are wanting to raise my monthly payment from {$860.00} to {$970.00} because of unknown reasons? Their review says that my homeowners insurance is {$2100.00} from XX/XX/XXXX to XX/XX/XXXX. That is a lie. My insurance agent gave me a quote of {$830.00} from XX/XX/XXXX for the following year. Mr Cooper claims they paid my homeowners twice at some time. XXXX!!! We both would have known if that was so. Mr Cooper is still Mortgage Star and still trying to XXXX people! I know that mortgage rates go up yearly because of property tax increases and insurance rate increases but please!
Company Response:
State: RI
Zip: 02860
Submitted Via: Web
Date Sent: 2021-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-02
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Nationstar Mortgage LLC, d/b/a Mr. Cooper is engaging in : 1 ). an unlawful invasion of my privacy in violation of California Penal Code Sections 631 and 632 2 ). an unlawful intrusion into my private affairs, and 3 ). a violation of my right to privacy under the California Constitution. In her email message to me on XX/XX/2021, Mr. Cooper 's Vice President, Associate General Counsel XXXX XXXX XXXX WROTE in part : " ... ..Not sure what else you would like in writing or why this is an issue. Our calls are recorded, so records exist. '' The above sentence by MsXXXX XXXX was in response to my numerous requests to have all future forbearance, and post-forbearance-related discussions between myself and Mr. Cooper reduced to email correspondence. I had continued to request that all post forbearance negotiations between myself and Nationstar Mortgage LLC, d/b/a Mr. Cooper be done by email, to create a written record of our discussions available to both parties in writing and because I did not want to have Mr. Cooper recording our telephone discussions. This recording of our telephone negotiations by Mr. Cooper would provide Mr. Cooper with an unfair, one-sided advantage of having recordings of our discussions that they could easily manipulate and would not provide to me unless I was willing to spend tens or hundreds of thousands of dollars that I do not have, getting a subpoena or suing them and going through the discovery process. There are less than 60 days left on my present forbearance. To avoid foreclosure and access the post forbearance programs available to me through Fannie Mae, and benefit from the post forbearance remedies made available to California borrowers in forbearance by the Consumer Financial Protection Bureau 's recent post forbearance amendments to the Real Estate Settlement Procedures Act ( RESPA ), Regulation X. ( 12 CFR Part 1024 ) Federal Register /Vol. 86, No. 123 /Wednesday, XX/XX/2021 /Rules and Regulations ; MR. COOPER IS REQUIRING ME TO SPEAK WITH A MR. COOPER " DEDICATED LOAN SPECIALIST '' OR OTHER MR. COOPER EMPLOYEES ON RECORDED PHONE LINES. I HAVE NOT AND WILL NOT GIVE MR. COOPER, MY PERMISSION TO RECORD OUR PHONE CONVERSATIONS. Therefore, during these dangerous stress-ridden, frenetic times when California residents like me are struggling to survive and avoid foreclosure, Nationstar Mortgage LLC, d/b/a Mr. Cooper, as XXXX XXXX XXXX loan servicer and representative, is ACTIVELY denying California residents, such as myself, access to XXXX XXXX and other Federal Benefits surrender the privacy protections provided to us under the California Constitution and California Penal Code Sections 631 and 632. Benefits that we are desperately in need of. In my opinion, thousands, tens or hundreds of thousands of similarly situated Californians may also be having their California privacy protections guaranteed to them under the California Constitution ripped away from them by Nationstar Mortgage LLC, d/b/a Mr. Cooper in violation of California Penal Code Sections 631 and 632. Nobody should have to sacrifice their Constitutional rights and legal protections to obtain benefits provided by government agencies that a sinister, rogue company like Nationstar Mortgage LLC, d/b/a Mr. Cooper, is administering.
Company Response:
State: CA
Zip: 94066
Submitted Via: Web
Date Sent: 2021-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A