Date Received: 2021-07-19
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I need help!! Contact me! I am currently in Forbearance. I have over XXXX in equity and I cant get XXXX to take care of my family and get out of the mess. You see on our case and many others these stupid lending rules are hindering our ability to help ourselves. You see because of the XXXX Virginia XXXX XXXX in violation of Federal LAW!!! Suddenly and with no notice whats so ever stop paying for no reason. They have screwed over XXXX of us in Virginia. My credit score has gone down over 100 points and I want to save my family because I used money to help save lives. So in my case its like the government instead of helping they know I have so much equity they cant even back a XXXX loan so I CAN HELP MYSELF!!!! Here is my offer and they force me to play the Credit Score Game I need XXXX grand only 18 months I will pay 25 % interest. By doing this on a private lending this will not show up on a credit report and will play the credit score game and my score will be over XXXX!!!!! I will pay XXXX dollars a month during these 18 months and at the 16 month apply for a XXXX heloc and then this will be approved because I will still have over XXXX in equity. See my credentials - I see this because this is the only way to take care of my family and continue to save lives. XXXX the XXXX dollars for 18 months does not go into paying down the principle it is a good faith payment. Any XXXX XXXX takers???? Just like the politicians who refuse to let the police do their jobs. They allow over XXXX deaths a year they refuse to let me do my job. The Greatest Threat To Public Safety Is The Belief Is That Somebody Else Will Do It! XXXX XXXX XXXX Why does our own government wants to prevent this from being fixed? https : /XXXX
Company Response:
State: VA
Zip: 23060
Submitted Via: Web
Date Sent: 2021-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-19
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Prior to covid 19 I had broken my hand and for most they could get through this me unfortunately I only have one fully functioning arm my right arm is about 99.9 % non usable that had started my late payments prior to covid I did go into a forbearance program with Mr. Cooper and at the time was never advised of certain things such as you can not have 3 loan modification nor can you refi during a forbearance program. I have tried to resolve this matter on several occasions with MR Cooper and comes to find that some mortgage info doesnt seem to be accurate which requires me to research 17 years of 3 different banks / services unfortunately with my situation I could never join the military to receive any help and there doesnt seem to be much help for others with a disability Im basically 35 thousand the cost of a new cheap car and I can receive zero help in my situation and I dont believe this is a fair act I lost family members during the covid out break and had to also be a care giver for my father that passed all Im asking is for the serviced to give me a chance to get back on track with my mortgage and they have refused to cooperate do to the guidelines that are set in place and Im pretty sure if I reach out to a law firm there will be justice there is no need for this to go any further other then corporate greed when at the end of the day they talk about something that doesnt actually exsist money its created out of thin air and we just pay the price back to inflation all I want is help this should not happen. Thank you
Company Response:
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2021-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-18
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Unbeknownst to me, apparently, in XXXX, my mortgage company sold my mortgage to a company known as " Mr . Cooper. '' I started receiving generic letters from " Mr . Cooper. '' I presumed it was just spam. Never did I ever expect or imagine a mortgage company would be called " Mr . Cooper. '' My son finally opened one of their letters yesterday because he had recently bought tires for his car from " XXXX XXXX. '' Suffice to say, we were shocked to find out that Mr. Cooper 's legal team was notifying me that I was {$4900.00} in default and that Mr. Cooper would take legal action. Lucky for me, as a retired XXXX XXXX, I have the means to pay this sum of me. I have had many many mortgages and they are have been bought and sold and never did I have to restart my automatic deposits. I can only imagine those less well off than me who are about to lose their homes to a company that has cleverly chose a name so as not to bring attention to itself or let you know the importance of them. I think this is nothing but an effort to take the homes from people by naming a company a ridiculous name so that its customers will not realize the severity of ignoring them. I hope you will take a look at the duplicitous business practices of this company and the intent/origins of their name. I bet you will find that many of its customers are defaulting on their loans simply because they were unaware that their loans had been bought out. Sincerely, XXXX XXXX XXXX, XXXX XXXX
Company Response:
State: VA
Zip: 223XX
Submitted Via: Web
Date Sent: 2021-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-17
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: beginning when i first contacted Mr cooper via XXXX i have been manipulated the entire time 1.I was told that i needed to be in default to get a modification : this was misleading cause i contacted this business in good faith because of my pending financial pitfall ( after being current and never missing a payment or having a late payment ) for more than a year and i needed help and the rep lied cause the modification reason was to prevent unnecessary interest on my because of the setback 2.Mr cooper Doesn't process loss mitigation applications promptly : when information is given to this business in a timely fashion they hold on to it and then penalize the consumer by saying it wasnt timely filed 3. Mr cooper requires the same information already given to be given again : they claim that documents arent legible when they are or they need more information on the same data that was already supplied previously which causes a delay in the process cause you generally from MR COOPER you get a email DAYS before the deadline and its submitted only to be rejected cause THEY DIDNT GET TO IT even though documents are electronically timed stamped to show it was on time EVERYTIME!! 4. Mr cooper is NOTORIOUS for blatantly using incorrect income information in processing the net present value of a consumers income causing the modification to be rejected again even though Ive explained and emailed many people about this instance only to be ignored and pushed to foreclosure or short sale 5. Mr cooper either lies or is to big to function when it come to communications for a debt : i have three documents suppled by this business two letters indicating that they received my transmission and they had till XX/XX/XXXX and XX/XX/2021 to get back in contact with me. This is a classic automated tactic of this company cause if due diligence was performed they would have known i was communicating directly with the customers relations and modifications department in which i told them many times i was displeased etc yet they send a third party to my home to put a notice under my door because they couldn't get in contact with me me which is a lie. It might not have been in the manner they wished but they have been contacted by me every time they called via email which is why i guess i got they letters they would investigate and get back to me. they have ZERO intention on helping they want to stick it too me cause they perceive me to be a deadbeat and tired of me complaining cause i was wronged
Company Response:
State: PA
Zip: 151XX
Submitted Via: Web
Date Sent: 2021-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-17
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: beginning when i first contacted Mr cooper via XXXX i have been manipulated the entire time 1.I was told that i needed to be in default to get a modification : this was misleading cause i contacted this business in good faith because of my pending financial pitfall ( after being current and never missing a payment or having a late payment ) for more than a year and i needed help and the rep lied cause the modification reason was to prevent unnecessary interest on my because of the setback 2.Mr cooper Doesn't process loss mitigation applications promptly : when information is given to this business in a timely fashion they hold on to it and then penalize the consumer by saying it wasnt timely filed 3. Mr cooper requires the same information already given to be given again : they claim that documents arent legible when they are or they need more information on the same data that was already supplied previously which causes a delay in the process cause you generally from MR COOPER you get a email DAYS before the deadline and its submitted only to be rejected cause THEY DIDNT GET TO IT even though documents are electronically timed stamped to show it was on time EVERYTIME!! 4. Mr cooper is NOTORIOUS for blatantly using incorrect income information in processing the net present value of a consumers income causing the modification to be rejected again even though Ive explained and emailed many people about this instance only to be ignored and pushed to foreclosure or short sale 5. Mr cooper either lies or is to big to function when it come to communications for a debt : i have three documents suppled by this business two letters indicating that they received my transmission and they had till XX/XX/XXXX and XX/XX/2021 to get back in contact with me. This is a classic automated tactic of this company cause if due diligence was performed they would have known i was communicating directly with the customers relations and modifications department in which i told them many times i was displeased etc yet they send a third party to my home to put a notice under my door because they couldn't get in contact with me me which is a lie. It might not have been in the manner they wished but they have been contacted by me every time they called via email which is why i guess i got they letters they would investigate and get back to me. they have ZERO intention on helping they want to stick it too me cause they perceive me to be a deadbeat and tired of me complaining cause i was wronged
Company Response:
State: PA
Zip: 151XX
Submitted Via: Web
Date Sent: 2021-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-17
Issue: Trouble during payment process
Subissue:
Consumer Complaint: We received a letter in the mail from Mr. Cooper threatening to purchase insurance for our home which we will have to pay if we can not provide proof of insurance. I checked their insurance website and all seems fine. I called them and they also can't tell me why the letter was sent. All I'm getting are guesses and suppositions. In my conversations with them they're now attempting to burden on me to make sure I always update their website with my most recent policy. This is a broken process and needs to be fixed. If my policy has not lapsed I am no longer going to waste hours of my life attempting to figure out why the background systems and processes aren't working.
Company Response:
State: SC
Zip: 29607
Submitted Via: Web
Date Sent: 2021-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-16
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: In XXXX of XXXX I was a victim of refinance fraud with Nation star mortgage in conjunction with a 3rd party unlawfully operating company and in conjunction with XXXX XXXX together Caused me to lose {$50000.00} of my home equity A 3rd party company offered the ability to lower my monthly payments The 3rd party company Led me through a process and promise of refinance to simply lower my monthly payment. I discovered that the company was unlawfully operating without any business license. I also learned that they worked very closely with my mortgager XXXX XXXX mortgage to facilitate stealing money from homeowners For homeowner 's equity. The 3rd party company was raided by the FBI and Nationstar mortgage sent out what should have been a legal representative to go over the signing of documents and supposedly explain to me what was entailed within the documents. What ( actually occurred ) which was not what was stated, was nothing more than a notary being sent out to sign the documents ... .. documents apparently to be signed in a public setting so that anytime I would ask any specific questions pertaining to the documents the individual that met with me ( THE NOTARY ) that met with me to sign the documents became loud and irate anytime I asked any specific questions AND indicated that I was 2nd guessing her skills and abilities and her work ethics which caused me to Remain quiet as she would get very loud in this public setting being imbararrased She stated it's nothing more than simply lowering my monthly payment I did not find out until the month before I went to sell my home in XXXX that the mortgage company actually attached a balloon payment in the amount of nearly {$50000.00} thus the Mortgage company added this fraudulent additional ( separate account ) to my mortgage In the form of a balloon payment Of which when I sold my home in XXXX of XXXX the balloon payment was retracted from my gained equity Whereas I should have received close to the sum of a {$100000.00} instead i merely received {$50000.00} I also Discovered many homeowners went through the same situation as myself Where many homeowners lost the same sum of money through the same scenarios dealing with the same three companies the illegal operated 3rd party company that did not exist the same exact mortgage company Nationstar mortgage aka Mr. Cooper and XXXX XXXX doing the transactions. As a homeowner and as a taxpayer and the and the father of XXXX children XXXX severely XXXX. I desire to receive compensation for my loss my pain and suffering with my children 's loss and pain and suffering to regain the {$50000.00} including pain and suffering compensation, compensation for what was stolen from us. Upon reading a class action settlement between your consumer department of protection and nation star mortgage I have read where Nationstar was sued in the sums of millions of dollars for many families who also experience hardships through this mortgage company. I desire to recover well deserved compensation and bereavement for what was gained from that class action settlement. I have ALL documents pertaining to this matter Including intel on major key players And verbal admission from the agent That recieved payment for the third party company of whom explained what was occurring by and through the company that she worked for. Their job was to achieve the {$3000.00} sum of money and after speaking with other victims I learned that after this occurred the next stage was for Nationstar to finish it up by secretly attaching their balloon payment to each victim ( Homeowners ) I also have information on the third party company agent The mortgage company also Maintained the unnecessary homeowners insurance that should have been removed which overcharged me for many years And I feel that they also took advantage of me While pushing my home into foreclosure Myself and my children have lost so very much And on top of that ... .. The mother of my children and her lawyer has somehow two days ago ( while were in a virtual divorce mediation ) Managed to steal the majority of what ( remained of my equity ) in that her attorney laid claim to the money which was unlawfully & unknowingly to me stolen by those companies Myself having an overpaid attorney An attorney Which apparently has limited knowledge of law and how to protect me and ( whom has calculated her own paycheck ) to also be deducted out of the last bit of my equity For poor " services " and I feel completely unrepresented and taken advantage of on many levels. Absolutely everything I have worked hard for my entire adult life has been taken from me! Please contact me at your earliest conveinience at XXXX Or email XXXX Please help.
Company Response:
State: SC
Zip: 29488
Submitted Via: Web
Date Sent: 2021-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-16
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I applied for a refinance on my loan with Nationstar mortage. I have great credit and have been paying mortgage since 2009. I applied for a refinance and they kept telling how great my credit and loan was going but they kept asking for more ridiculous stuff. They wanted to know why my empty lot didnt have insurance. I am divorced and they wanted information on properties that were my exhusbands. There are no loans on those properties. He hasnt taken my name off his properties. They called the bank that has a loan on my ex property but my name is still on it 3 times.They kept asking for the balance and whether he has late on the account for last year. I have a saving account that has other savings under it. I keep most of my money in one of those. They said they needed proof that it was a savings account and not a loan. I sent them bank statements but that isnt enough.They changed what the cost of this loan would be from XXXX to almost XXXX.. They changed the loan amount of the loan by increasing it XXXX more and they said that was the true loan amount. It was supposed to be for {$140000.00} and they made it for XXXX. I complained to the loan officer and he changed it after much discussion. I had an escrow account for taxes and insurance with them and they said they needed to add the total fees to my loan costs and they couldnt use what was in my escrow account which is for that. They said I had to pay them the cost of mortgage for month of XXXX while we completed the loan because I would miss a house payment. I told them Im paying off my old loan and the new loan will have payments on it that are required. I didnt understand why except that they wanted money from me. Usually you dont pay rent while in escrow.
Company Response:
State: CA
Zip: 92236
Submitted Via: Web
Date Sent: 2021-07-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-16
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I am XXXX XXXX and went on forbearance during Covid19. Mr. Cooper approved my forbearance and said I didn't need to worry about making my mortgage payments. I was on unemployment collecting {$2000.00} a month. Now that my forbearance is done, I called and applied for loan modification and was denied because they couldn't lower my payment, that's what they told me. I told them I am not looking for lowering my monthly payment, I am back to work and can pay higher amount, I have asked for deferment of the past due, I have asked for payment plan, and I have asked for loan modification. I have even offered to pay {$30000.00} towards the past due amount. and all of this was refused and I was told sell my house or they will foreclose. I am currently behind {$75000.00} in mortgages payments. My last letter to Mr. Cooper asked if I can pay {$30000.00} towards the past due and if they can divide the rest into 12 months. or defer it. Today they told me that was denied as well.
Company Response:
State: CA
Zip: 91367
Submitted Via: Web
Date Sent: 2021-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-16
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Apparently starting XX/XX/2021 XXXX XXXX XXXX sold my loan to Mr Cooper without my consent or prior notification. My loan payments are set up on an auto draft. Several days AFTER XX/XX/2021, I received a letter saying the loan had been transferred and I needed to send a payment to Mr Cooper. I had no prior warning or input into this change!!! Since this letter was not a standard billing statement, I wasnt about to mail them a check until making sure my account hadnt been auto drafted for the XXXX payment. Within a couple days, I received a billing statement for XXXX showing I needed to pay XXXX and XXXX. I promptly made that payment for both months which was posted on XX/XX/2021. On XX/XX/2021 a letter was written to me saying I was 30 days behind on my loan payment. I greatly resent receiving any such letter!!! At no time should a loan servicing company transfer a loan and send notice to the mortgagor AFTER the payment date. Then have the audacity to send a 30 day late payment notice AFTER the payment was made. I did everything I could reasonably be expected to do and feel helpless in these loan servicing companies profiting from my loan without any regard for the mortgagor. Both servicing companies should have an obligation to notify the mortgagor at least 30-60 days BEFORE the loan is transferred not AFTER the payment is due!!! I am concerned my credit will be affected by this transfer due to no fault of my own. This process needs to be regulated to protect the consumer.
Company Response:
State: OK
Zip: 73401
Submitted Via: Web
Date Sent: 2021-07-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A