Date Received: 2021-07-02
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: My deceased mother, XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX had a reverse mortgage with XXXX XXXX. XXXX XXXX went out of the reverse mortgage which sold her reverse mortgage to Champion Mortgage ( Nationstar Mortgage LLC, DBA ). Her house was under contract to be sold on XX/XX/2021 and the closing was on XX/XX/2021. I executor/trustee of the estate. During that time the real estate agency has sent faxes and made telephone calls to Champion to find out the payoff amount. Champion has claimed not to have received the faxes, at one time they sent me a notice of a lien against the property and when I called told me the information was confidential, and now they told the financial arm of the real estate company that the payoff could not be determined until XX/XX/2021. They also stated the information probably would not be available until XX/XX/2021. I have called them on my mothers behalf in the past and they have been able to immediately tell me the payoff amount over the telephone, I strongly feel, due to my interactions with various representatives of this company that they are disorganized, deceitful and that right now they are trying to squeeze the last drop of the fees and servicing costs from the payoff amount. The escrow is frozen until Champion will tell us the payoff amount and they are causing harm to all of us involved, By the way, in small print at the bottom of the papers they send, they say they are a collection agency. I would like this company to be reprimanded for predatory, threatening, and uncooperative practices. We did everything we were supposed to, we notified them of my mothers death, I returned their telephone calls and the real estate agency took over the efforts to pay off the reverse mortgage as soon as possible. Champion Mortgage has treated us badly, deceptively and usurously. The real estate company has dealt with many reverse mortgage lenders and I have emails stating that none have been as uncooperative as this Champion. I hope you will look into this, XXXX, XXXX XXXX
Company Response:
State: NM
Zip: 875XX
Submitted Via: Web
Date Sent: 2021-07-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-02
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I received a notification from XXXX XXXX XXXX on XX/XX/XXXX that our loan had been transferred for servicing to " Mr. Cooper on behalf of XXXX XXXX '' with a link to set up a new account with Mr. Cooper. I have tried to set up the new account using the link every day since XX/XX/XXXX, but every time I get an error message that says " We're Having Trouble Finding Your Loan. ". I called Mr. Cooper today to try to verify that the loan had been transferred to Mr. Cooper. I spoke with two representatives, and I was told that they had no record of our loan in their system. It's been 10 days, and I am left in limbo, unsure who is handling our loan, no accurate communication from either servicer, and no way to pay our mortgage.
Company Response:
State: IL
Zip: 60618
Submitted Via: Web
Date Sent: 2021-07-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-01
Issue: Trouble during payment process
Subissue:
Consumer Complaint: See letter from Attorney XXXX to Cooper. Mr. CooperXXXX purchased mortgage from XXXX XXXX. Mr. Cooper held {$14000.00} escrow account to pay property taxes and insurance. Paid property taxes late incurring penalty of $ XXXX ; prepaid property taxes not due- overdrawing escrow account by thousands of dollars ; started charging additional impound fees and interest and late payments instead of securing refund of overpaid amounts ; I paid all principal and interest due on mortgage on time ; cancelled escrow account according to California law that does not allow Cooper to collect impound accounts ; Cooper increased debt load, threatens foreclosure ; provided negative credit report to XXXX ; refuses to allow my attorney to speak to legal department ; Cooper settled multi million foreclosure scam with XXXX in XX/XX/2020 ; I can not refinance without paying illegal charges. Forces me to file lawsuit and incur additional costs or be subject to Cooper extortion. Cooper needs to be put out of business. their practices are illegal ; their staff is trained to lie ; they do not respond in a timely manner and there is no coordination between departments. Delays are excessive..this has been going on since XX/XX/2020 and no resolution is in site.
Company Response:
State: CA
Zip: 90720
Submitted Via: Web
Date Sent: 2021-07-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-30
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Mother had reverse mortage.She passed a couple months ago and have since sold her house pending probate.Reverse mortgage keeps sending foreclosure letters weve though I have sent them all forms requested and intent to sale notice.Champion Mortage is reverse mortage holder.
Company Response:
State: NV
Zip: 89408
Submitted Via: Web
Date Sent: 2021-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-01
Issue: Trouble during payment process
Subissue:
Consumer Complaint: This is my second complaint which is actually an addendum to the first. In my first complaint, I provided proof that Mr. Cooper aka NATIONSTAR changed my mortgage payment and stating that due to their error is escrow assessment, they lowered my mortgage payment and paid me an overage of {$10000.00} that I gave back them to pay the true taxes due to XXXX XXXX based on AV. Mr. Cooper is using their ability to pad my mortgage with extra money under RESPA. I looked today to see had they updated my mortgage payment and they have not. I also just found that Mr. Cooper has not paid my SEWER BILL which is part of my taxes since XXXX of last year. The account is extremely delinquent. They paid this bill initially and simply stopped. See attached from XXXX XXXX XXXX XXXX 's Site. So not only is Mr. Cooper overcharging me for my low escrow account they are NOT PAYING THE TAXES EITHER PLEASE INVESTIGATE THIS, THIS COMPANY IS OVERCHARGING ME, LYING TO ME EVERYDAY PRETENDING THEY ARE HELPING ME WITH A FHA STREAMLINE LOAN WHICH NEVER HAPPENED AND I HAVE PROOF THAT I PAID EXTRA MONEY INTO THE ESCROW AND WAS ADVISED BY THEIR REPRESENTATIVE TO STOP PAYING EXTRA MONEY INTO THE ESCROW MEANWHILE THEY EXPECT ME TO PAY {$4900.00} AS MY PERMANENT MORTGAGE PAYMENT WHEN I STARTED WITH THIS MORTGAGE IT WAS {$3600.00} DOLLARS AND THEY SAID I HAD AN ESCROW OVERAGE AND THEN CHANGED MY MORTGAGE PAYMENT TO {$2800.00} AND NOW I HAVE AN UNDERPAID ESCROW ACCOUNT. PLEASE HELP.
Company Response:
State: NJ
Zip: 07731
Submitted Via: Web
Date Sent: 2021-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-30
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Mortgage loan was in forbearance. I was told repeatedly by company personnel that there would be no negative credit reporting if the forbearance was satisfied by XX/XX/2021. I actually wrote a letter requesting an extension for 45 days. The extension was given until XX/XX/2021 via letter from XXXX XXXX, Customer Relations Specialist. I subsequently paid off the forbearance in full on XX/XX/2021. On XX/XX/2021 the company reported to the credit bureaus that I was delinquent over 180 days, the entire sum of the forbearance was delinquent and I had a loan modification!! In addition the principal balance of the loan was in error. It dropped my credit score XXXX points overnight!!!
Company Response:
State: CA
Zip: 92653
Submitted Via: Web
Date Sent: 2021-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-30
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Company Response:
State: NY
Zip: 10550
Submitted Via: Web
Date Sent: 2021-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-30
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my XXXX XXXX. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Company Response:
State: NY
Zip: 10550
Submitted Via: Web
Date Sent: 2021-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-29
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Hello, Thank you for your help in this matter. I fell behind on my mortgage prior to the covid pandemic in the amount of {$8000.00}. I entered forbearance XX/XX/XXXX due to my business temporarily closing to abide by covid guidelines. During forbearance I was told by my Mortgage provider, Mr Cooper to make payments on the prior debt. I did this in the total amount of {$5900.00}. I saw that this was not being applied to my debt and was sitting in a category on my statement " unapplied funds ''. I reached out during the forbearance but was never able to get an answer concerning where this amount was going to be applied. My forbearance ended XX/XX/XXXX and I talked with a representative who encouraged me to apply for a loan modification. I did so and filled out the necessary forms. I was contacted a month later stating they would need a contributor package for my wife ( also unemployed due to covid ) We filled that out and sent it back. They kept returning it saying it wasn't correctly filled out. When I spoke with a representative they said it happens and to keep re-sending. This went back and forth for 4 months along with the same scenario for other paperwork they requested. I have now been denied the modification ( I have modified 3 times in the past ) and am facing foreclosure. This back and forth has also extended my debt by 4 months.
Company Response:
State: PA
Zip: 191XX
Submitted Via: Web
Date Sent: 2021-06-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-29
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Have continually requested information concerning Nationstar. Mr Cooper regarding ssues with payment processing, unauthorized withdrawals in the amount of XXXX dollars and most importantly agreements to terms of loan as we never intiated, signed, or even aware of how loan ended up in the hands of this XXXX awful mortgage company, as we were initially doing business with XXXX XXXX. When You notify NationStar of their fraudulent behavior they make threats and negatively and fraudulenty report to creditors, causing great consumer harm. It is amazing that this company has been sued by multiple people as of recent and still allowed to do business.
Company Response:
State: MD
Zip: 20646
Submitted Via: Web
Date Sent: 2021-06-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A