Date Received: 2021-04-30
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: I closed on my home with a short sale on XX/XX/XXXX. Mr.Cooper was my primary mortgage and they accepted the short sale offer and we closed. The bank never sent my XXXX or XXXX documents which was their responsibilty by XX/XX/XXXX. My attorney for the foreclosure prior to the short sale acceptance never received the documents nor did the attorney of record for the short sale. I spoke to customer service at Mr.Cooper 3 times, each time getting a different answer. I was instructed to send a request with the letter of disengagement from my attorney to their research dept. which I did twice with no response. I called again today and was told that only my lawyer can talk to their legal department in order to retrieve these documents, some kind of " code '' has to be removed and can only be done by their legal department, who won't talk to me. Please advise as this is preventing my accountant from completing my XXXX returns. Thank you, XXXX XXXX
Company Response:
State: NY
Zip: 109XX
Submitted Via: Web
Date Sent: 2021-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-30
Issue: Trouble during payment process
Subissue:
Consumer Complaint: On XX/XX/XXXX, our mortgage company ( Nationstar dba Mr. Cooper ) for two of our properties, withdrew 10 unauthorized ACH transactions totaling {$28000.00} from our bank account with XXXX. They reversed the unauthorized transactions by end of day.
Company Response:
State: CA
Zip: 906XX
Submitted Via: Web
Date Sent: 2021-04-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-30
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I purchased my home in 1999 for approximately {$120000.00} ( + rehabilitation amount ). My mortgage was transferred several times. After 22 years of paying my mortgage, Mr. Cooper is reporting my remaining mortgage to be in excess of {$120000.00}. That amount is incorrect!
Company Response:
State: NY
Zip: 11580
Submitted Via: Web
Date Sent: 2021-04-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-30
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Mr. Cooper, Nationstar took two payments of {$1600.00}. from my bank account on XX/XX/21. I do not have auto pay set up but I do pay online so they have my bank account number. Mr. Cooper sent out an email saying they were aware of a problem. These two payments were not authorized and since I do not have auto pay I can not understand how they had the authority to withdraw money from my bank account. Mr. Cooper says they will reverse the withdrawals. They made a huge mistake when they took over {$3000.00}. from my bank account. Thank you. XXXX XXXX.
Company Response:
State: MI
Zip: 481XX
Submitted Via: Web
Date Sent: 2021-04-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-30
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Mr Cooper, without my authorization, withdrew {$1900.00} from my checking account on Monday, XX/XX/XXXX. Then four unsuccessful attempts on that same day, causing NSF fees toatally {$140.00}. Then Thursday, XX/XX/XXXX, it happended again. {$1900.00} unauthorized withdrawl and four NSF fees ( {$140.00} ). Monday transactions were refunded back to me, end of business that same day. Thursday 's transaction have not been refunded back to me. I have called Mr. Cooper and escalated the issue. I am still waiting to have my money returned to me. My checking acount now has a negative balance. Mr Cooper needs to be held accountable for these unauthorized transactions.
Company Response:
State: TX
Zip: 78251
Submitted Via: Web
Date Sent: 2021-04-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-30
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: The CONSENT Delay, Prolong in Responding to Modification, compound of Fees to rise the cost owed. Nationstar, which is now doing business as Mr. Cooper, engaged in a number of unlawful practices in handling mortgages following the Great Recession. Specifically, the loan servicer failed to honor borrowers loan modification agreements. Nationstar also allegedly foreclosed on borrowers with pending forbearance applications after promising not to do so and failed to properly handle escrow payments and accounting for homeowners who were in XXXX XXXX bankruptcy proceedings. Nationstars failings resulted in substantial consumer harm. The fact that my foreclosure has been going on for 4 years is Most Ridiculous with NO explanation OR explanation. They Purposely have drag out my court case that makes it impossible to catch up or reinstate mortgage, they have even INCREASE mortgage payment in order for consumers to DEFAULT on making payments.
Company Response:
State: CT
Zip: 06610
Submitted Via: Web
Date Sent: 2021-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-29
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have tried unsuccessfully to get Nationstar dba Mr. Cooper to fix inaccurate information off of my credit reports regarding a former mortgage that I had. I have also gone to each of the credit bureaus to get information corrected without any success. This includes XXXX, XXXX and XXXX. My former mortgage with this company shows that my account is actively 120 to 150 days late and in a derogatory status. I am being denied student loans because of this matter. Home was sold in XXXX and of XXXX in a short sale due to divorce. My credit shows account is in a delinquent and derogatory status and is currently at least 120 days past due. I contacted credit bureaus and Nationstar many times now. Nationstar provided me with a copy of the mortgage release when property which was located at XXXX XXXX XXXX XXXX XXXX MD XXXX under loan number XXXX. I have sent to bureaus to demonstrate there is no current outstanding balance, it is not in a current derogatory state and no money is owed any longer. Home sold and home transferred to new homeowners at that time. The other issue with Nationstar/Mr. Cooper is that I even had an offer for a higher sales amount to sell home in XXXX and it was denied. Home didnt sell for many months past that and another offer came in lower and was accepted. Meanwhile, the home sat and continued to negatively affect my credit in the process. I guess that is why there is a class action law suit against this company for repeated violations from foreclosures and short sales. Anyhow, I did manage to have XXXX report corrected in XX/XX/XXXX. But, it has since recently changed again to a derogatory status and currently late 120 days. I have tried to contact bureau and have been unsuccessful in getting this corrected. All parties involved are not fixing this issue. I cant even make any more requests to the bureau because they are verifying the accuracy as correct due to information verification received from Mr. Cooper. This is a blatant violation at multiple levels and clearly violating my rights under the Fair Credit Reporting Act. Neither the credit bureaus not Mr. Cooper are correcting the data. Data gets periodically updated with wrong information, account keeps getting re-aged and doesnt reflect the accuracy of this former account. I am requesting help because I am not sure what else can be done on my part. I need the bureaus and Nationstars assistance in helping to resolve this matter. I have called, emailed and done everything humanly possible without success. This account needs to updated to reflect accurate information immediately or be deleted from my credit report. There has been ample time to resolve this. I can not get a student loan for my daughter because of a currently delinquent status and incorrect reports being made. Very wrong and unfair.
Company Response:
State: MD
Zip: 217XX
Submitted Via: Web
Date Sent: 2021-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-29
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Mr. Cooper processed my regular payment on line as usual. The 10 days later they debited by checking account XXXX times for the exact same payment. XXXX total. I am told it is being corrected and I will incur no fees. Who gives them the right to randomly debit my account without authorization. Do you have an extra XXXX in your account?
Company Response:
State: MI
Zip: 481XX
Submitted Via: Web
Date Sent: 2021-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-29
Issue: Trouble during payment process
Subissue:
Consumer Complaint: This complaint is in reference to my new Mortgage company Mr. CooperXXXX. Over the weekend, I was hit with a negative {$5600.00} plus dollars in my checking account. Upon checking my account with XXXX, there were 3 unauthorized deductions of {$1400.00} from the mortgage company. I spoke to a customer service rep from Mr. Cooper and XXXX XXXX. The mortgage company indicated that they didn't find out about the glitch in the system until Saturday morning. XXXX assured that all funds would be returned by Tuesday and any overdrafts would be covered. The bank rep also stated that letters would be issued by the mortgage company to be forwarded to creditors. Many of my household bills are auto deducted EXCEPT the mortgage in which I have held for 22 years. Question is : how was the mortgage company allowed to freely deduct monies that were not authorized? They took all of our funds. Our plans for that entire weekend were basically ruined due to this huge error.
Company Response:
State: TX
Zip: 77545
Submitted Via: Web
Date Sent: 2021-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-29
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My servicer, Mr. Cooper, rejected my XX/XX/XXXX payment that was sent via ACH on XXXX, XXXX, 2021. I phoned my bank, XXXX XXXX, to inquire about why payment was not received and they let me know issue was on the Mr. Cooper end. I followed up with Mr. Cooper and they blamed 3rd party snafu that rejected certain banks ' ACH and e-payments. When asked how this would be resolved, Mr. Cooper did not have an answer. I was forced to pay over the phone to ensure that my payment would be posted on time. Mr. Cooper was unable to explain what happened or how my payment would be taken care of. This is extremely disturbing that such a large company could have such a large error with such potential negative customer impact.
Company Response:
State: SC
Zip: 29205
Submitted Via: Web
Date Sent: 2021-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A