Date Received: 2021-08-03
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Reference : Removal of late payment ... over 7 years I called the XXXX- No Answer or response I called and email a letter to XXXX XXXX XXXX- the updated the report- but did not remove the Negative status and its been over 7 years. I called and emailed Mr. Cooper/NationStar Mortgage- they acknowledge the length of time and stated I should expect a letter removing the negative report from my credit report. As of today, I still haven't seen a letter.
Company Response:
State: GA
Zip: 30126
Submitted Via: Web
Date Sent: 2021-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-02
Issue: Trouble during payment process
Subissue:
Consumer Complaint: On XXXX XXXX my mortgage payment was paid through XXXX XXXX bill pay like it has been every month for years. The payment was {$2600.00} and sent to Nationstar Mr. Cooper. This payment was for the XX/XX/XXXX due date. On XX/XX/XXXX I paid my mortgage payment through XXXX XXXX bill pay for {$2600.00} This was for the due date of XX/XX/XXXX. Both times the funds were withdrawn from my checking account. On XX/XX/XXXX I received a phone call from Nationstar Mr Cooper about my missing payments. They did not show that I had made a payment since XX/XX/XXXX ( the XX/XX/XXXX payment ). I was asked to provide the bill pay information and my bank statements. I did that on XX/XX/XXXX. I have talked to 7 different people and there is no record of these payments. Although they have my money {$2600.00} x 2 somewhere. The actual payment amount is {$2500.00}. I always pay extra towards principal. Late fees have been added to my account each month that these payments have not been credited. On XX/XX/XXXX I sent a notice of error to Mr Cooper. I was not getting anywhere through phone or email so it was time to take the next step. I received a confirmation that they were still researching. There is still no resolution and the payments are still missing. Late payments are still on my account. I made the XXXX payment on the Mr Cooper website to make sure it did not get lost. I could not pay extra principal because my mortgage is past due according to Mr. Cooper. That payment was credited but it was applied to the XX/XX/XXXX payment. So there are going to be additional late fees added since they don't consider that payment to be for XXXX. I have always paid my mortgage in advance. I have never experienced such a run around. They have had my money since XX/XX/XXXX and XX/XX/XXXX. I have provided the requested documentation 6 different times. I value my credit rating and my mortgage history. I do not know what else I can do to get this resolved.
Company Response:
State: VA
Zip: 20164
Submitted Via: Web
Date Sent: 2021-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-02
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I contacted Mr. Cooper in early XXXX knowing our pandemic forbearance ended and we are now able to start making our regular monthly mortgage payments. My first call to Mr. Cooper, the lady I spoke with was very nice and accomodating. I explained to her that we are not in a position to pay back the $ XXXX balance and that our intention is to remain in the property. She replied back to me saying that we are not the only ones in this position and that we could apply for a loan modification. We did the application over the phone and I told her we applied for one years ago and were denied. She explained why it was denied but with our interest rate at 6.75 %, Mr .Cooper would definitely work with us and that things are going to be okay. I was told to check online on Friday, XX/XX/XXXX, for the status. Given the holiday, I went online on XX/XX/XXXX to check but didn't see anything online so I called in. XX/XX/21 : I called in and explained my story again ( we're ready to start paying again but can't afford the $ XXXX balance, etc. ) and was given the same assurance that things would be okay and that Mr. Cooper understands and will work with us because a lot of others in America are in the same situation. She transferred me to the department that handles pandemic forbearance which is where things changed. I was told that I have to pay off the entire balance of $ XXXX ( which we don't have ), or they could possibly cut some corners ( 11 corners ) IF we can come up with $ XXXX in the bank and they'll see if my investor will be okay to work with us with the remaining balance OR forgo the house. I told them I can't afford either of those options but am willing to start paying monthly again. I asked why the sudden change of tone because I was told otherwise and was given the impression that Mr. Cooper would work with us. The gentleman told me that I should've never been told that. I was told we were 5 months behind ( we were unemployed at the time ) before the pandemic forbearance started so I don't qualify for the pandemic forbearance or any of the rules applicable to those granted it. Attached is a letter from Mr. Cooper stating that I am on pandemic forbearance. According to Mortgage letter XXXX I can see how that was true however I thought it was updated in XXXX to include mortgage loans that were delinquent. And that under this, though the letter was applicable to all government-backed loans, if private investors followed suit to such options, they are obligated to follow the same guidelines outlined in the mortgage letter ( CARES Act ). I called back again on XX/XX/21 to possibly explore other options that are affordable for me. I was given 3 similar options : - pay $ XXXX ( which we can not afford by any means ) -pay {$6200.00} monthly mortgage over 6 months ( which we can't afford either ) -foreclose on the house ( our every intention is to stay in our home ) My husband and I are in a much better position financially ( I graduated from XXXX school and am now a full-time XXXX ). We don't want to lose our home. We are confused, heartbroken but are trying our best to stay hopeful that Mr. Cooper will work with us for more affordable options.
Company Response:
State: UT
Zip: 84601
Submitted Via: Web
Date Sent: 2021-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-02
Issue: Money was not available when promised
Subissue:
Consumer Complaint: We bought a house in XX/XX/2021 and sold our old house in XX/XX/2021. Our mortgage is held by Mr. Cooper. On XX/XX/XXXX our bank ( XXXX XXXX ) created a cashier 's check for {$250000.00} and XXXX it to Mr. Cooper. Mr. Cooper received it on XX/XX/XXXX. The money was never deposited into our mortgage account on that day. Mr. Cooper said they lost our check. It was found 9 days later and they attemped to deposit it on XX/XX/XXXX. In the meantime, our bank put a stop on the check. Mr. Cooper needs to sign an affidavit stating that they destroyed the check ( I was told they did this on the phone ). We just received a letter from them stating they will respond in 30 days. In the meantime our {$250000.00} is in limbo. It isn't in our bank account because Mr. Cooper won't acknowledge that they lost our check, and then that they destroyed it. We can't get access to our money until they do something.
Company Response:
State: CA
Zip: 94704
Submitted Via: Web
Date Sent: 2021-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-02
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I am writing today regarding an almost 6 month long ongoing issue with Mr. Cooper and my mortgage loan with them. In XX/XX/XXXX, I received notification from Mr. Cooper that they created an escrow account connected with my mortgage loan due to non-payment of taxes. On XX/XX/XXXX, I sent a letter and documentation ( See Pages 1-6 on attached document : XXXX_Proof of Property Tax Payments ) to the correspondence address they provided in the notification which included proof that my taxes were indeed paid to the City of XXXX, with the last quarterly payment issued on XX/XX/XXXX for the XX/XX/XXXX payment. I requested in this letter that the escrow account be removed from my mortgage loan, and that they seek a refund from the City of XXXX for funds that have paid erroneously. After 6 weeks of no response, I called Mr. Cooper and was connected with an individual in the tax department. I explained the issue at hand and was informed that my initial correspondence was never received. She then directed me to send the information via email and provided me with two ( 2 ) email addresses ( XXXX and XXXX ). I sent the documentation that same day, XX/XX/XXXX ; followed up on XX/XX/XXXX, then again on XX/XX/XXXX and again on XX/XX/XXXX, receiving no response from either email address at all. I then decided to contact the company through their email system on the Mr. Cooper website. I received notification to the effect of this will be reviewed and you will be contacted, but that never happened either. After these repeated attempts via mail, email and phone calls, I finally managed to speak to XXXX XXXX on the Executive Resolutions Team on Friday, XX/XX/XXXX approximately 4 MONTHS after my first communication to Mr. Cooper. After some time on the phone, she informed me that City of XXXX sent Mr. Cooper a bill for unpaid taxes back to XXXX. I found this astounding since I have never received any notification from the city via letter nor in my quarterly tax bill that any taxes were unpaid from 2 years prior. I can assure you that there is no municipality that would allow unpaid taxes linger for over 2 years. I then immediately downloaded proof of payment for taxes in XXXX from my XXXX XXXX account and sent them to her. She assured me that this would rectify the situation and that I would be notified of such resolution within 3-5 business days. With no response within that time, I reached out to her again on Monday XX/XX/XXXX, to which she responded that the tax team has verified XXXX property taxes were already paid, and a refund due escrow. Estimated time of refund is 6-8 weeks. The request to remove taxes from escrow has been escalated. Hopefully there will be answer by end of business XX/XX/XXXX. Again, with no response, I followed up again on XX/XX/XXXX, to which XXXX responded I apologize for the delay in getting back to you. Because the taxes were delinquent at the time you made the payment taxes will remain in escrow. If you would like to escalate this further, send an email to XXXX. Include all details regarding the XXXX taxes. ( See attached document : Email Correspondence Between XXXX XXXX and XXXX XXXX XXXX, XXXX through XX/XX/XXXX ). After 5 frustrating months, I was referred back to the email address to which I first corresponded, with no response. Upon receiving XXXX useless response, I called her immediately, only to get her voicemail. I then pressed 0 as directed to reach another Executive Resolutions Team representative. I spoke with a gentleman named XXXX. I quickly explained my situation and asked to speak with a manager. He put me on hold for 10 minutes to try and find one and then informed me that they were all in a meeting, and that he would have a manager call me back within 24-48 hours. I have not received that phone call. There are no delinquent taxes on my account with the City of XXXX ( See pages 7-26 on attached document : XXXX_Proof of Property Tax Payments ). This documentation shows a summary of the payments, as well as the actual statement withdrawals taken from my XXXX XXXX account starting in XXXX through XX/XX/XXXX. There are no missing payments. Also included is a copy of the XX/XX/XXXX Tax Bill from the City of XXXX which shows a credit due to overpayment on the account, since the taxes have been paid up to date by me ( See page 27 on attached document : XXXX_Proof of Property Tax Payments ). The XX/XX/XXXX payment that was automatically sent from my XXXX XXXX account was returned to me with a note that they could not accept payment on an account with a credit balance. The credit is due to Mr. Cooper sending tax payments that were not due, as there were no delinquent or missing tax payments. In the meantime, I have continued to pay my monthly mortgage in the amount of {$1300.00}, however these payments have been paid to escrow and subsequently sent to the City of XXXX ( I was just notified of a payment being sent for the XX/XX/XXXX payment ). This has resulted in my mortgage loan not being paid in full ( even though I have the monthly payments ) and has now affected my excellent credit rating, which has now plummeted over 72 points, leaving me in a poor credit rating position, by no fault of my actions. I DEMAND the following actions be taken immediately : The escrow account be removed from my mortgage loan account ; The monthly payments that I have made be re-applied to my mortgage account in full ; Mr. Cooper to correct their reporting to the credit bureau in order to reinstate my good credit standing as it was prior to this debacle ; Mr. Cooper should coordinate a refund from the City of XXXX for taxes paid. I will pay the city the taxes owed directly. I WILL NOT PAY MR. COOPER FOR THE TAXES THAT THEY HAVE PAID IN ERROR. This is Mr. Coopers problem. They will need to fix it. This is a demonstration of gross business practices on the part of Mr. Cooper. Not being able to speak with someone directly and have the issue dealt with promptly is just pure incompetence and disgusting disregard for your customers. Further finding out that Mr. Cooper, formerly known as Nationstar Mortgage, just recently agreed to settle an action commenced by the Consumer Financial Protection Bureau ( ccd here ) for {$91.00} million to resolve allegations surrounding mortgage servicing misconduct and deceptive practices that resulted in financial harm to borrowers, makes this even more egregious that you continue to deceive and defraud your customers. 6 months of this. How pathetic. I look forward to your immediate response.
Company Response:
State: MA
Zip: 01960
Submitted Via: Web
Date Sent: 2021-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-01
Issue: Trouble during payment process
Subissue:
Consumer Complaint: For over one year I have been in contact with MR COOPER concerning my XXXX HAMP MODIFICATION that they service for an investor pool. I have asked them where are my yearly {$1000.00} incentives and a separate lump sum of {$5000.00} that is to be applied to my account at the end of the fives years. Now I am trying to get out of this mortgage by obtaining a VA loan through another large mortgage company. But, MR COOPER tells me I won't receive any reductions to my HAMP MODIFICATION if I were to refinance it before XX/XX/XXXX! On XXXX at XXXX hours, I spoke with MS. XXXX, of MR COOPER, concerning my HAMP Modification that was entered into during XX/XX/XXXX. I asked her what happened to the yearly incentives of {$1000.00} that I earned, but never received from MR COOPER and the lump sum of {$5000.00} for successfully making all of my payments for five years. She did not know and transferred me to MS XXXX, Special Handling Unit, MR COOPER. I advised here that I was in the process of refinancing my HAMP Modification with another company as I had asked MR COOPER for help with a REFI, but was told I could not REFI my loan. She told me that if I REFI my current loan before XX/XX/XXXX, that I will not get the {$5000.00}. She had no idea of why I did not receive my yearly incentives of {$1000.00} and the letter I received on XXXX, totally avoids the question. I would like to know why we ( HAMP holders ) are penalized for REFIs after we have successfully made ALL five years of payments on our HAMP MOD? My HAMP MOD Trial was over during XX/XX/XXXX and five years from this period is XX/XX/XXXX. I have never missed one payment. Not one. Now, MR COOPER has not fulfilled their part of the contract as they never provided me with the $ 1000 yearly incentive for fives years! Now they want to squeeze out of reducing my mortgage by the lump sum of {$5000.00} by telling me that I will not receive the reduction until XXXX! How can this be? This should be illegal. Heres the text in the MR COOPER letter, dated XXXX : Dear XXXX XXXX and XXXX XXXX : LOAN NUMBER : XXXX PROPERTY ADDRESS : XXXX XXXX XXXX XXXX XXXX, MD XXXX SUBJECT : Research Reference # XXXX Thank you for contacting us. We are following up on your request dated XX/XX/XXXX, XXXX. We have conducted an investigation and determined that as long as your account remains in good standing, the final 6th year incentive payment of $ XXXX, will be applied on or around XX/XX/XXXX. As of the date of this letter, your loan is due for the XX/XX/XXXX payment and the unpaid principal balance is {$550000.00}. Did you know you can access your account documents, payment history, escrow statement, and more by signing in to your online account? Just visit www.mrcooper.com and click " Sign In '' to create an account. You can also manage your account on the go by downloading our free mobile app. If you have any questions, please contact us directly at XXXX, or call our Customer Service Department at XXXX. They're available Monday through Thursday XXXX XXXX to XXXX XXXX ( CT ), Friday XXXX XXXX to XXXX XXXX ( CT ) and Saturday XXXX XXXX to XXXX XXXX ( CT ). Let us know if there's anything else we can do for you. We're here to help. Sincerely, Mr. Cooper Research and Response Department The Making Home Affordable U.S. Government website states this concerning HAMP MODIFICATION INCENTIVES : XXXX XXXX XXXX ABOUT MODIFICATION Question I heard that homeowners who have modified their mortgages through HAMP get financial incentives. Is that true? Answer Yes. Homeowners who received a HAMP modification and make timely payments on their modified loans receive incentive payments. For every month you make a payment on time, you will accrue an incentive that reduces the principal balance on your loan. If your loan ceases to be in good standing ( three monthly payments are due and unpaid on the last day of any month ), no further incentives payments will be paid, including accrued but unpaid amounts. The incentive will be applied directly to your loan balance annuallyup to {$1000.00} each year during the first five years of the modification and a one-time payment of {$5000.00} in year sixand over six years the total principal reduction could add up to {$10000.00}. This incentive is designed to encourage you to stay current after receiving a HAMP modification and help you build equity faster. Why hasnt MR COOPER applied my yearly {$1000.00} incentives for the first five years? Why did they not address this in their XXXX letter to me? Why cant I refinance my current HAMP MODIFICATION LOAN and receive the lump sum of {$5000.00} and the yearly incentives of {$1000.00}? I need answers to these questions ASAP. Sincerely, XXXX XXXX XXXX
Company Response:
State: MD
Zip: 20646
Submitted Via: Web
Date Sent: 2021-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-01
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: Champion Mortgage was assigned a reverse mortgage that falls far short of the requirements mandated by Sec. 50 Art. XVI of the Tex. Const. following you will find some of the constitutional, regulatory, state/federal statue violations that were committed before and during the loan origination and the violations continue todate. The lender has been put on notice of these violations and were granted the 60 day timeframe in order to correct/cure said violations. More troubling is the lenders legal counsel who has and continues to provide questionable -if not out right illegal activity - in order to protect the lenders unprotectable position. Understand, we are not accusing Champion Mortgage of the fraud that was committed prior to and during the closing of said HECM loan - but - we do allege misconduct by the lender with respect to the servicing of said reverse mortgage. Following you will find our family 's " independent lawsuit '' filed after the lender filed their 2nd RULE 736 non-judicial expedited ( wrongful ) foreclosure. Though, filed is not the correct definition for what this law firm did. A more accurate definition would be ambushed rather than filed. Before we present the independent lawsuit for your perusal - please allow this estate to outline the procedures used against our family on the XXXX and XXXX foreclosure attempts. Each allegation/mis-representation - can be proven - and has been previously sworn under penalty of perjury - in Judge XXXX XXXX XXXX XXXX Judicial District Court located in XXXX, Texas. The two wrongful RULE 736 non-judicial foreclosures were attempted in XXXX and XXXX. The first attempted ( wrongful ) foreclosure started properly by submitting the required TRCP 736 Application. This TRCP Application was filed in the District Clerk of Court on XX/XX/XXXX ( three ( 3 ) days after XXXX ) at XXXX XXXX. The last remaining borrower, XXXX XXXX XXXX died on XX/XX/XXXX. The lender was promptly notified of the death and a letter of intent to purchase the homestead via a short sale was submitted to the lender and was acknowledged by the lender in writing. The lender for two ( 2 ) years avoided any good faith effort to move forward with the sale of the property. The lender retained HUD appraisers on 3 occasins to produce a valuation of the property. Each appraisal was charged to the estate 's account - but refused to provide copies of any of the Appraisals. As the estate continued to work with USDA in anticipation of buying the home. The estate was " ambushed '' 3 days after XXXX with the RULE 736 foreclosure attempt. The foreclosure was not for the death of the last borrower but rather for hazard insurance premiums. The total alleged debt owed to the lender was {$3400.00}. However, the lender was in possession of {$10.00}, XXXX. These monies were paid by the insrance carrier due to the passing of two tropical storms. In fact, The estate made repairs to the property with personal savings and assigned the insurance proceeds to pay taxes and insurance. The lender after inspecting the home and receiving a report stating the home was 80 % repaired attempted to foreclose the newly renovated home with the intention of keeping the insurance settlement proceeds also. This lender has a reputation of doing this all over the country. For proof simply go to the BBB and CFPB 's complaint web site and view the hundreds of this exact business operation. With respect to the decedent, XXXX XXXX, he was allegedly served by 1st class and certified mail. In fact, the TRCP 736 foreclosure application should never have been filed in the XXXX Judicial Court but rather in the XXXX Probate court in front of Judge XXXX XXXX. The second ( 2nd ) foreclosure attempt falls even farther from the critical path created by the Texas Supreme Courts Foreclosure Task Force. The XXXX 2nd foreclosure filed as CAUSE No. XXXX was never properly filed with a TRCP 736 Application. The lender simply mailed NOTICE OF DEFAULT, NOTICE OF ACCELARATION, NOTICE OF TRUSTEE SALE. The reverse mortgage lender guided by their legal counsel simply noticed a dead decedent, XXXX XXXX XXXX and swore ( fraudulent ) affidavits out to the court that notices were served upon the parties. In other words, the lender followed the TASK FORCES rules except for one rule. The one rule ignored was the requirement of filing a TRCP 736 application in the XXXX County Probate Court. Had a TRCP 736 foreclosure application been filed properly by the lender the following CAUSE NO. XXXX would have been generated by the submission of the TRCP XXXX application. However, the CAUSE NO. was generated by the XXXX XXXX filing of an independent lawsuit in order to abate /challenge the RULE 736 expedited foreclosure and was not generated by the filing of the lenders TRCP 736 application. The 2nd foreclosure attempt was especially concerning for the following reason ( s ) : ( i ) Unlike the 1st RULE 736 foreclosure attempt, the 2nd RULE 736 foreclosure attempt was a deliberate attempt to avoid the FORECLOSURE TASK FORCES developed procedure to foreclose on home equity loans. ( ii ) If not for the dedicated ladies in the XXXX District and County Clerk of Courts - my family would be homeless. NEITHER CLERKS OFFICE PROVIDED ANY LEGAL GUIDANCE/OPINION whatsoever. However, they did provide the following : ( a ) On Wednesday, XX/XX/XXXX, a friend at the county clerk office informed me that my property was scheduled to be sold on the court house steps on Tuesday XX/XX/XXXX. ( b ) On Thursday, XX/XX/XXXX, I spoke to both Clerk of Courts. In particular, the district clerk of court - who assured me no filings for a TRCP 736 APPLICATION FOR AN EXPEDITED ORDER UNDER RULE 736 ON A REVERSE MORTGAGE LOAN had been filed. Unlike the 1st foreclosure attempt. ( c ) Because XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX a Texas Limited Liability Partnership, specializing in foreclosure litigation - failed to file an APPLICATION FOR AN EXPEDITED ORDER UNDER RULE 736 ON A REVERSE MORTGAGE LOAN. The Estate wasted numerous hours of both the District and County Clerks time and one must wonder if this error was a clerical oversite or an intentional act ( d ) The only notices served upon this family was to XXXX XXXX XXXX who was still dead but alive enough to accept service. XXXX XXXX was dead for over five ( 5 ) years when he accepted this foreclosure notice. ( e ) Further research revealed that any lawsuit to abate/object to - the XX/XX/XXXX RULE 736 foreclosure - must be filed BEFORE the Monday before the date of foreclosure sale. ( f ) XX/XX/XXXX scheduled date of foreclosure sale -was a Tuesday. XX/XX/XXXX was obviously a Monday BUT was also a federal holiday XXXX XXXX. XXXX g XXXX XXXX XXXX XXXX XXXX XXXX XXXX had planned to close early on XX/XX/XXXX in order to gain a well-deserved long ( er ) weekend. Seeing my families plight this army of ladies agreed to volunteer to stay open in order for my family to file an independent lawsuit in order to challenge the errors and abate the oncoming foreclosure ( wrongful ). ( h ) Once again, the lenders law firm uses foreclosure date of sale tactics that hinder the borrower from finding competent counsel byway of filing foreclosure on/before holidays. XXXX XXXX XXXX : CAUSE No. XXXX. ) XXXX XXXX XXXX, Pro Se ) IN THE DISTRICT COURT Plaintiff ) v. ) PRECINCT XXXX Nationstar d.b.a. ) XXXX COUNTY, TEXAS Champion Mortgage ) Defendant ) .... ) In re 1st AMENDED - ORDER FOR ABATEMENT/DISMISSAL CONCERNING PLAINTIFFs/PLAINTIFFs ESTATE REGARDING RULE 736 NON-JUDICIAL FORECLOSURE & COMPLAINS SEEKS RELIEF for the following 1. BREACH of CONTRACT 2. BREACH of IMPLIED CONVENANT of GOOD FAITH and FAIR DEALING 3. NEGLIGENCE 4. FRAUD 5. MOTION - DISMISS RULE 735 NON-JUDICIAL FORECLOSUE 6. INJUNCTIVE RELIEF 7. UNJUST ENRICHMENT 8. QUANTUM MERUIT 9. DECLATORY JUDGEMENT 10. DTPA VIOLATION ( s ) Mortgagor : XXXX XXXX Estate Plaintiff -`Estate Representative : XXXX, XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX , City , State & Zip : XXXX, Texas XXXX Telephone # XXXX E-Mail : XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Lender Name : Champion Mortgage Lender Loan # : XXXX Loan Description : Reverse Mortgage Insurance XXXX : XXXX XXXX XXXX XXXX Insured XXXX Name : Champion Mortgage ( XXXX ) Insurance Policy # : XXXX - Hurricane Harvey Insurance Claim # : XXXX Inception Date : XX/XX/XXXX Expiration Date : XX/XX/XXXX XXXX XXXX XXXX ( Plaintiff ), Administrator for the Estate of XXXX XXXX files the following COMPLAINT and asserts NATIONSTAR d.b.a. CHAMPION MORTGAGE ( Defendant ) has violated and continues to violate both state and federal statutes. Plaintiff apologizes to this court for not being represented by counsel. Due to the expediated nature of this monetary RULE 736 Foreclosure Plaintiff was unable to secure counsel on such short notice. Plaintiff contacted four prominent local law firms only to be refused due to their conflicting schedules. Rest assured we will be actively pursuing counsel should the parties not be able to resolve the differences without litigation ( The law has always favored the resolution of controversies through compromise and settlement rather than through litigation and it has always been the policy of the law to uphold and enforce such contracts if they are fairly made and are not in contravention of some law or public policy. Hernandez v. Telles, 663 S.W.2d 91, 93 ( Tex . App.El Paso 1983, no writ ). Agreements should be encouraged, particularly early in litigation, to open the door to communication and, hopefully, compromise. The Plaintiff stands ready to compromise. Plaintiffs main objective is to continue the purchase of the estates home through the short sale process that is currently in effect and to be re-imbursed according to the agreement made with Defendants Loss Draft representative, Ms. XXXX XXXX XXXX At issue is a monetary non-judicial RULE 736 foreclosure. The property located at XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX is set to be sold on XX/XX/XXXX. BACKGROUND to Monetary Non-Judicial RULE 736 Expeditated Foreclosure : I. RULE 736.5 ( b ) DUE DATE .is due the first Monday after the expiration of 38 days from citation. : Respondent received citation on XX/XX/XXXX - stating foreclosure sale was scheduled XX/XX/XXXX. The property subject to the alleged lien is homesteaded and located at XXXX XXXX XXXX XXXX XXXX, XXXX, Texas XXXX. Respondent denies a monetary DEFAULT occurred. Respondent denies a monetary Default - was due as of XX/XX/XXXX in the amount of {$4900.00}. ( see Defendants NOTICE OF DEFAULT. Defendant has refused to provide exact calculation breakdown of the alleged {$4900.00} DEFAULT amount ( see Plaintiffs QWR stating disagreement and demand for documentation on {$4900.00} alleged DEFAULT ). . II. RULE 736.5 ( c ) FORM .. signed in accordance with Rule 57..and may be in a general denial under Rule 92 : Respondent acknowledges Rule 92 ge neral denial and if a denial is not warranted, Respondent will likely have evidentiary support at the hearing. III. RULE 736.5 ( c ) ( 1 ) ( 5 ) ( c ) ( 1 ) reason respondent believes a respondent ( borrower ) did not sign a loan agreement document : ( i ) XXXX XXXX XXXX ( borrower ) was diagnosed with XXXX by the VA XXXX " located in XXXX, Texas. ( ii ) On XX/XX/XXXX, borrower allegedly executed ( without his legal guardian being present ) a reverse Note and Home Equity Conversion Mortgage ( HECM ) with XXXX XXXX XXXX ( XXXX ) - who immediately sold this property lien to XXXX XXXX XXXX ( XXXX ), dba Champion Mortgage ( CM ). ( iii ) The alleged signature is a forgery and was notarized by an out of town notary without any state issued ID from the alleged applicant. This notary would not have been able to declare under perjury of law that she knew the applicant personally. Therefore, the notarization of alleged applicant was unlawful. ( iv ) Before a HECM applicant can sign a reverse mortgage, HUD requires counseling of the applicant. Without this counseling session no reverse mortgage adhesion contract/agreement can even go forward. Respondent requested a copy of this mandatory HUD counseling certificate byway of a - Qualified Written Request QWR. This QWR is governed under the Real Estate Settlement Procedures Act ( RESPA ) 12 U.S.C. 2605 ( e ). This QWR was received and acknowledged by petitioners debt collector/current foreclosure counsel. ( c ) ( 2 ). The reason Respondent is not obligated for payment of the lien : ( i ) Article XVI of the Texas Constitution invalidates any lien when the borrower was legally incapacitated. ( ii ) Article XVI of the Texas Constitution invalidates any lien when borrower never received the mandatory HUD ( c ) ( 3 ). Why are the payoff amounts materially incorrect?. ( i ) Defendants Loss Draft Department received approximately {$14000.00} for Hurricane Harvey damage to the Plaintiffs property. ( ii ) Respondent noticed petitioner/Champion Mortgage Loss Draft Department approximately 20 times in writing that repairs made were available for inspection and re-imbursement repairs were being demanded. ( iii ) Defendant acknowledges having care, custody and control of Plaintiffs $ XXXX in the respondents escrow/suspense/unapplied funds account. 12 C.F.R. 1024.2 states disclosure of the total amount of funds held in such suspense or unapplied funds account on the periodic statement is mandatory. Petitioner failed to do so and continues this breach. This law goes on to state under Paragraph 38 ( i ) ( 1 ) ( x ) 1. ADDITIONAL ADJUSTMENT S. Examples of Items for which adjustments may be made include taxes and Flood or Hazard insurance premiums, if the consumer is being substitute d as an insured under the same policy. Before filing a non-judicial foreclosure - Defendant was required per - RULE 736.1 ( d ) ( 3 ) ( G ) to have undertaken and BEFORE the application was filed, any other action required under ( 1 ) applicable law and the loan agreement, ( 2 ) contract or ( 3 ) lien sought to be foreclosed was performed. ( emphasis added ) 1. Defendant failed to inform Defendants foreclosure counsel that Defendant was in possession of Plaintiffs {$14000.00} hurricane reimbursement funds. 2. Defendant failed to inform Defendants foreclosure counsel that the monies paid on the hazard insurance and property taxes was from Plaintiffs {$14000.00} and is the reason for the Defendants foreclosure counsel Loss Draft line item reduction down to the {$80000.00} amount on the XXXX Pay off statement. 3. Violated Texas Constitution___ by failing to identify borrowers XXXX byway of a mandatory counseling session. 4. Violated Texas Constitution___ by failing to to provide counseling session and couseling certificate. 5. Violated Texas Constitution___ by failing to obtain a picture ID during alleged reverse mortgage closing. 6. Violated Texas Constitution___ by failing to obtain/provide at Plaintiffs request a T-43 wi th ( if applicable ) an agreement waiving the state issued picture ID 7. Defendant failed to inform Defendants foreclosure counsel that Plaintiff was active in mitigation/short sale negotiations with Defendants Mitigation Department including but not limited to : ( i ) Counseling with non-profit agency introduced to Plaintiff by Defendants mitigation/short sale representative Ms. XXXX XXXX, ( ii ) Plaintiff has USFDA application completed for purchase but is in need of the XX/XX/XXXX Appraisal performed by XXXX XXXX XXXX ( iii ) Plaintiff has completed 80 % of hurricane repairs using his own money and is now waiting for the inspect report performed by Defendants home inspector. Inspector has agreed to 80 % completion. ( iv ) HUD tolls all foreclosure activity if mitigation is being actively pursued. ( HUD Handbook 4330.1,1.34 : If the mortgagor or the mortgagors estate fails to repay the mortgagee. The mortgagee must begin foreclosure proceedings.If the estate is making reasonable efforts to buy/sell the property, extensions should be granted in 3 month intervals within the entire time not to exceed 12 months ). The above referenced {$14000.00} are proceeds due Plaintiff from a forced placed hazard policy naming Champion Mortgage as the named insured ( Exhibt ) but was billed and paid for through the Plaintiffs account ( Exhibt ). Enclosed you will find a copy of the petitioners debt collectors Payoff Statement Form identifying the respondents remaining Loss Draft funds in the amount of {$8000.00} from the original $ XXXX. Defendant bases the foreclosure an amount of {$4000.00} for alleged payments made by defendant for payments of property taxes and hazard insurance. Plaintiff disagrees payments were made with Defendants proceeds. Plaintiff alleges Defendant intentionally has misrepresented to this court that Plaintiff has not provided funding to Defendant in order to pay for said Taxes and property insurance. Defendant has been promised to be reimbursed after every letter Plaintiff mailed, emailed to Defendant. ( exhibit ) Defendant has intentionally misled, misrepresented and lied to Plaintiff knowing full well Plaintiff would rely on Defendants misrepresentations. and reason for this monetary foreclosure proves that the petitioner paid the alleged DEFAULT charges with the respondents money. Proof of the Defendants possession of the Hurricane Harvey proceeds along with the lawful right under Paragraph 38 ( i ) ( 1 ) ( x ) 1. ADDITIONAL ADJUST Examples of Items for which adjustments may be made include taxes.Flood or Hazard insurance premiums, if the consumer is being substituted as an insured under the same policy meets RULE 95 requirement ( s ) ( When a defendant shall desire to prove payment, he shall file with his plea an account stating distinctly the nature of such payment, and the several items thereof ; failing to do so, he shall not be allowed to prove the same, unless it be so plainly and particularly described in the plea as to give the plaintiff full notice of the character thereof ). FRAUDULENT HUD CERTIFIED APPRAISAL BY DEFENDANTs APPRAISER On or about XX/XX/XXXX, Plaintiff agreed with Defendant to pay for a short sale HUD CERTIFIED APPRAISAL. Defendant retained the services of XXXX XXXX XXXX, XXXX, Texas. XXXX XXXX was retained to perform an appraisal of the exterior and interior of subject property in order to determine the valuation to be used for the agreed upon short sale purchase by respondent. XXXX invoiced and was paid {$330.00} for the alleged HUD CERTIFIED APPRAISAL. XXXX never entered the property much less than entered into the home. XXXX produced a fraudulent appraisal in the amount of {$90000.00}. Defendant upon being provided knowledge - by Plaintiff - of their short sale HUD CERTIFIED APPRAISERs fraudulent short sale appraisal instructed XXXX XXXX to cease communication with Plaintiff. Defendant instructed XXXX to inform XXXX that XXXX must direct all communication to Defendant. Plaintiff has followed XXXX instructions and has requested a copy of the XXXX Appraisal from Defendant no less than 15 times in writing and twice by way of a RESPA QWRs. Defendant continues to protect their appraisal company and refuse to provide a copy of said short sale appraisal. Plaintiff has also made demand ( exhibt ) ( cert mail rec # XXXX XXXX XXXX XXXX ) to XXXX for a copy of appraisal or a {$330.00} refund. XXXX has refused to provide a copy of the fraudulent {$90000.00} appraisal nor has this company refunded the {$330.00} appraisal fee. Plaintiff now considers the {$330.00} a theft. XXXX now claims their company did not prepare an appraisal. Defendant refuses to comment. BREACH OF AGREEMENT REGARDING IF DELINQUENT TAXES ARE OWED Defendant provided instructions with the short sale agreement/contract - informing Plaintiff that if any delinquent taxes are owed, please notify us WE are required to to pay for them and add them to the ( short sale ) payoff amount. ( EXHIBIT Plaintiff acknowledged and agreed to pay taxes and add them to the closing cost. Defendant retained the services of XXXX, XXXX who contacted Plaintiffs XXXX XXXX XXXX and instructed this government body to not accept tax payments from Plaintiff. Plaintiff only became aware upon attempting to make tax payment and was informed it was not necessary. Defendant intentionally mislead Plaintiff into thinking a short sale was imminent and moving forward and the tax payment was simply a normal path towards a short sale. Instead, Defendants goal was to use an expedited non-judicial foreclosure in order to foreclose on the property the Plaintiff has spent 10s of thousands of dollars and hundreds of hours repairing Hurricane Harvey damage with the estates money and after and only after their inspector agrees the damages are at over 80 % repaired with the plaintiffs funds _ Defendant now attempts to foreclose on. MISAPPROPRIATION OF PLAINTIFFs HURRICANE REIMBURSEMENT PROCEEDS including but not limited to : FRAUD, MISREPRESENTATION, NEGLIGENCE BREACH of CONTRACT Clearly no tax/insurance monetary {$4000.00} DEFAULT occured based upon the Defendants conduct towards Plaintiff and more importantltly the Defenedant having care custody and possession of the Plaintiffs hurricane re-imbursement proceeds. 15 USC1692 ( g ) 809 VALIDATION OF DEBTS ( b ) Disputed debts Defendant states the Defendant paid for the taxes and insurance resulting in this NON JUDICIAL FORECLOSURE. Defendant carelessly omitts the fact that payment was with Plaintiffs hurricane reimbursement proceeds, proceeds in Defendants possession since XX/XX/XXXX and all the while collecting interest AND- refusing to explain where the missing hurricane proceeds are now located. PARTIAL MISSING HURRICANE HARVEY INSURANCE REPAIR PROCEEDS per Defendants XX/XX/XXXX pay off statementThe forced placed insurance companies 1st payment was for {$10000.00} exhibit The forced placed insurance companies 2nd payment was for {$6700.00} The forced placed insurance companies total net payment ( s ) equal {$16000.00} Defendants debit collectors Pay Off Statement shows a Loss Draft Funds line item amount of {$8000.00}. The amount received by the Defendant {$16000.00} was reduced to {$8000.00} as stated in the Debt collectors Payoff Statement representing an unsubstantiated deducted amount of {$8700.00}. The alleged RULE 736 monetary foreclosure default amount is {$4900.00}. This leaves an unaccounted/disappearing deduction of {$3700.00} in hurricane reimbursement proceeds due Plaintiff. When Plaintiff requested documentation regarding the missing monies - byway of four RESPA governed QWRs the debt - collector informed Plaintiff that that they did not have the information and the Defendant would promptly reply to Plaintiffs information request. Todate our QWR request remain unanswered. It appears Defendant is using this expediated foreclosure as an attempt to avoid having to answer questions concerning the missing/unaccounted Hurricane repair/re-imbursement funds. This Debt Collectors missing {$3700.00} Payoff Statement is dated XX/XX/XXXX. As concerning as this missing {$3700.00} hurricane reimbursement proceeds are It pales with respect to the following missing/disappearing hurricane funds. ENTIRE MISSING HURRICANE HARVEY INSURANCENSURANCE REPAIR PROCEEDS per Defendants XX/XX/XXXX pay off statement- Defendants Counsels XX/XX/XXXX Payoff Statement is in error and is an attempt to foreclose on the property without judicial oversight and to gain unjust enrichment byway Plaintiffs Hurricane Harvey reimbursement proceeds. The prior XXXX PARTIAL MISSING HURRICANE HARVEY INSURANCE REPAIR PROCEEDS was identified as a Loss Draft Funds line item. Plaintiff through a QWR requested reimbursement for Hurricane repairs - as was agreed to. Instead of communication explaining Defendants reason ( s ) for non-payment Plaintiff received : - Defendant acknowledged Plaintiffs XX/XX/XXXX QWR and agreed to answer Plaintiffs QWR by XX/XX/XXXX - Defendants Counsel notified Plaintiff with a XX/XX/XXXX PAYOFF STATEMENT FORM. - Defendants Counsels XX/XX/XXXX PAYOFF STATEMENT FORM lists the Foreclosure sale date as XX/XX/XXXX. - Defendants Counsel on XX/XX/XXXX gave Plaintiff NOTICE OF ACCELERATION though the foreclosure sale date was set. - Defendants Counsel/Substitute Trustee gave NOTICE OF XX/XX/XXXX Foreclosure sale. The XX/XX/XXXX Pay Off Statement provided to Plaintiff from Defendants foreclosure counsel has no Loss Draft Funds line item. The funds have disappeared. Maybe this line item description should be re-named LOST FUNDS because that is what it appears to be lost misappropriated fraudulently misplaced stolen. The entire Hurricane re-imbursement recovery funds has evaporated. Plaintiff has been promised by numerous Defendant ( s ) representatives that Plaintiff will be provided {$11000.00} since XX/XX/XXXX. Todate, no hurricane reimbursement funds have been made to Plaintiff and Defendant continues to breach this agreement made with Plaintiff. In fact ; this is not the first time Plaintiff has had difficulty in re-covering storm damage proceeds. It appears that refusing to force their elderly client after sustaining a major catastrophic occurrence to the property the Defendant refuses to promptly release repair funds forcing their client to begin repairs with their savings then when the client gets behind on the taxes/insurance they foreclose. The previous situation ( though a judicial not a non-judicial ) occurred on XX/XX/XXXX with the alleged default amount being XXXX. - Plaintiff and Defendant ( through a different Debt Collector/Foreclosure Counsel ) agreed that a misunderstanding had occurred between two parties. - The parties agreed that The XXXX Estate was actively communicating with Champion Mortgages Loss Draft Department Mitigation Department XXXX and XXXX, Texas corporate offices. - The XXXX Estate provided documents to Champion Mortgages counsel identifying the {$13000.00} held in Champion Mortgages possession due to the passing of two ( 2 ) tropical storms. - The XXXX Estate agreed with Champion Mortgages counsel that a deduction of {$3200.00} from the XXXX Estates {$13000.00} Remaining Insurance Funds. It was recognized that 12 U.S.C. 1715z-20 ( i ) provides additional relief this statue is aptly titled PROTECTION OF HOMEOWNER AND LENDER and states in relevant part : ( 1 ) In order to further the purposes of the program authorized in this section, the sectary shall take any action necessary ( A ) to provide any mortgagor under this section with funds to which the mortgagor is entitled under the insured mortgage or ancillary contracts but that the mortgagor has not received because of the default of the party responsible for payment. It has now been over 2 years and the Defendant the responsible party to make payments to Plaintiff on the hurricane re-imbursement proceeds is and has been and continues to be in default. This statuary relief should have been exercised under RULE 736.1 ( d ) ( 3 ) ( G ) - Before this application was filed. CAUSE OF ACTION ( s ) 1st CAUSE of A CTION FOR BREACH of CONTRACT : Plaintiff repeats and re-allege every allegation above as if set forth herein in full. As described above, Breach ( s ) of Contract were performed against Plaintiff including but not limited to : ( i ) 19 letters from Defendant instructing Plaintiff to make repairs on the property Champion Mortgage has an interest in with a guarantee prompt payment would follow. ( ii ) Defendant ordered a short sale appraisal, charged the {$330.00} fee to Plaintiff promised Plaintiff to provide a copy of said appraisal after each letter from Plaintiff. Todate and after two ( 2 ) years of pro mises - Defendant continues to refuse to provide a copy of the appraisal Plaintiff was invoiced for. ( iii ) Defendant assured Plaintiff that a short sale contract would be promptly executed after Plaintiff received the appraisal and had a letter of guarantee from Plaintiffs lender USDA. Plaintiff has a contract submitted to Ms. XXXX XXXX, regional manager, XXXX x XXXX, XXXX, Texas. The two-year delay in receiving the Appraisal has caused harm to Plaintiffs relationship with lender. ( iv ) Defendants Loss Draft Department promised on numerous occasions to provide a copy of the adjusters estimate in order for Plaintiff to retain a contractor to repair the hurricane damages per the line item estimate from insurance adjuster/company. ( v ) Defendant promised to provide Plaintiff with a copy of the homes inspection report the report that lists the percentage of hurricane repairs completed. The inspector informed Plaintiff on XX/XX/XXXX that she had listed the repairs at over 80 % but was instructed by Defendant to lower to 80 % completion. ( vi ) Defendant through three ( 3 ) representatives including a Loss Draft Supervisor promised to have in a hurricane re-imbursement check in the amount of {$11000.00}. 00 in the mail no later than Friday, XX/XX/XXXX XXXX vii ) Plaintiff has been put on notice from one of the numerous contractors regarding the outstanding balance owed. Contractor has given a five- day cure date a lawsuit will be filed. Plaintiff and Defendant therefore had a valid contract 2nd CAUSE of ACTION FOR BREACH of the IMPLIED COVENANT of GOOD FAITH and FAIR DEALING : Plaintiff repeats and re-allege every allegation above as if set forth herein in full The purpose of the covenant is to guarantee and common law to act in good faith and to deal fairly with each borrower XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Defendant enjoyed substantial discretionary power affecting the rights of Plaintiff during the above events alleged in this Complaint. Defendant routinely and regularly breaches this duty by : a ) Failing to supervise their employees and sub-contractor b ) Routinely demanding information that Plaintiff had provided repeatedly c ) Failing to follow through on agreements and implied promises d ) Failing to follow through on contractual agreements e ) These actions constitute bad faith by the defendant 3rd CAUSE of ACTION FOR NEGLIGENCE : Plaintiff repeats and re-allege every allegation above as if set forth herein in full At all times relevant herein, the Foreclosing Defendants, acting as Plaintiffs lender and loan servicer, had a duty to exercise reasonable care and skill to maintain proper and accurate loan records and to discharge and fulfill all other incidents/promises, be attendant to the maintenance, accounting and servicing of loan records, including, but not limited to ; accurate crediting/payment ( s ) owed to Plaintiff. Defendant ( s ) had a duty acting as the named insured on the forced placed insurance policy to promptly notify the forced placed hazard insurance company - after being notified by Plaintiff that a loss had occurred due to the passing of hurricane Har
Company Response:
State: TX
Zip: 779XX
Submitted Via: Web
Date Sent: 2021-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-30
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: Mr. Cooper ( mortgage company ) has failed to file a cancellation of security deed/release on my property when i refinanced back in 2017. I am selling my home and when the title company started their process they stated there needed to be a lien ( security deed ) release from Mr. Cooper. The title company, the closing attorneys and myself have contact Mr. Cooper for resolution. They have yet to provide myself, the title company or the County in which i reside the lien ( security deed ) release that i need to have a clear title. The title company has asked for a copy of the cancellation. i have asked for a lien ( security deed ) release. The closing attorney has asked for a copy of the lien release. They refused all of our request.What i need from Mr. Cooper is a lien release/security deed. I am currently with another mortgage company was supposed to obtain the security deed from them but that never happened. My original mortgage was with XXXX at which was sold to Northstar at which was sold to XXXX and then sold to Mr. Cooper. If this does not get resolved I will loose out on {$140000.00} and a happier retirement! Thank you
Company Response:
State: GA
Zip: 30083
Submitted Via: Web
Date Sent: 2021-07-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-30
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: ok good evening, I am enrolled in the pandemic relief program which expires, XXXX, I heard about the advance loan modification program which I am interested in, when i call MR COOPER WHICH IS MY LOAN SERVICER XXXX, they told me the don't know anything about this program, when it is unequivocally clear on the FHA website. my friends mortgage company knows of the program and is implementing it, why does MR COOPER NOT KNOW OF THIS PROGRAM. MY EMAIL ADDRESS IS XXXX, MY PHONE IS XXXX, AND I HAVE A FHA MORTGAGE
Company Response:
State: FL
Zip: 33150
Submitted Via: Web
Date Sent: 2021-07-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-29
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I saw on my XXXX Credit Report back in early XX/XX/2021 that my mortgage company, Nationstar Mortgage, said that my mortgage was 30 days past due for the month of XX/XX/2021. I submitted a dispute to Nationstar using their website complaint process on XX/XX/2021. I got an email response saying they need to further investigate the issue on XX/XX/2021. They have incorrectly reported to XXXX that I was late 30 days on my mortgage payments for both the months of XXXX and XX/XX/2021. I had autopay turned on with their company on XX/XX/2021 after they became my new mortgage company so that this would not happen. When I called Nationstar customer service they said they had no record of me being late and I was never charged a late fee, so I don't know why this information was relayed to XXXX. My credit score has taken a drastic drop since these two errors occurred. I used to have a XXXX score and now it shows XXXX, which is very depressing to me as I have always been very careful with paying my bills and using credit responsibly. I have also disputed the error with XXXX, who didn't change anything on my credit report to correct the errors. Worse yet, they say they are not required to look at the issue again unless I have new information because that is all the Fair Credit Reporting Act requires.
Company Response:
State: RI
Zip: 02816
Submitted Via: Web
Date Sent: 2021-07-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A