Date Received: 2021-04-07
Issue: Trouble during payment process
Subissue:
Consumer Complaint: To set up bi-weekly payments on the mortgage, the mortgage servicer charges a {$2.00} fee each time a payment is made - so each month you are charged a {$5.00} a month fee, and on months when three payments were made, you are being charged a {$7.00} fee. This seems like a UDAAP and possible Fair Lending Violation as I am being charged a fee to " pre-pay '' my loan with bi-weekly payments. When another servicer serviced this loan, there was no fee for this service. My loan terms currently state that there are no pre-payment fees, and by charging a fee to pre-pay my loan through bi-weekly payments, this practice seems deceptive and arguably to the customer. Over the life of a 30-year loan, these fees calculate to {$1900.00} which is more than a monthly payment. While I understand there would be a fee if you called in to make the payment on the phone, this is not a convivence fee as you have to agree to auto drafts as per the agreement to set up the bi-weekly payments. I have launched a formal complaint with Mr. Cooperover the phoneand the case identification number is XXXX. I have also opened a case with the NC Commissioner of Banks ; the complaint number is XXXX.
Company Response:
State: NC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-07
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: XXXX XXXX I called two times to request removals errors to my credit report. They reported that my pay status was included in bankruptcy, in XXXX and XX/XX/XXXX reported to XXXX XXXX XXXX XXXX that I was derogatory as payment status. This is & was incorrect and I have proof that Ive never missed a payment or been late in my payment history in the loan account. I requested that they placed the bankruptcy statement in the incorrect location which has most likely created the derogatory reporting, I also have repeatedly sent emails, and a copy of my credit reports to them showing what they reported. They did change one thing but not to every agency XXXX XXXX XXXX XXXX All representatives have stated Ive never been late or missed a payment even the bankruptcy dept confirmed this as fact based on my payment history! In XXXX and XXXX I called numerous times to talk about the errors not fixed but to no avail. I received a few letters stating that they reported correctly which proves they have not investigated my payment statements as never being late. They clearly r judging and defaming me based on the bankruptcy which I was not informed I needed to reaffirm my mortgage loan as a result of my lawyer passing away prior to bankruptcy closing and his communication with peers. I did not file bankruptcy on creditors I currently had, rather my intent was to remove the judgment liens on my property. For some reason I was told I had to file bankruptcy. So again the mortgage lender refuses to read the list of errors they reported that I sent to them in XX/XX/XXXX for the year XXXX and continue to not investigate my complaint correctly. At the end of XX/XX/XXXX, I again requested that they review and remove the derogatory statements. I also mentioned I have never been late or missed a payment and the bankruptcy was in error as I did not know or understood the reaffirming actions I was supposed to do. I get that they r required to report that I filed Bankruptcy and the debt and payments was no longer reported however to report that I was derogatory in any way is false, defaming my name and reputation with an excellent payment history, therefore they must report that I PAID AS AGREED, NEVER LATE, NEVER DEROGATORY or delinquent at any time! They must remove the derogatory statements for ALL months and report that I paid as agreed. The statement they reported for, Included in bankruptcy should be included in comments section as well as statements saying that I did not reaffirm even though I still made and continue to make all payments on the mortgage loan bc my intent was not to lose my home or stop paying to them, rather my sole intent was to remove the judgment liens on my home and I was lied to and was represented by a lawyer who was very ill and no one informed me of this resulting in their failure to understand what I was requesting and needing and the actions that occurred which is bankruptcy was not able to remove once closed and after I learned of these errors and lawyers death. I want the derogatory comments removed from all credit agencies at once along with Payment Status to say the truth, that I Paid As Agreed. This lenders research department has falsely accused &, judged me by refusing to investigate the facts of my case as a result of the bankruptcy which again is delinquent on them as well as defaming my name, reputation, causing me stress, anxiety especially now since Im selling the house hopefully closing sometime this month XX/XX/XXXX. With this companys defaming comments and reporting practices I can not receive a correct interest rate on a new home due to incorrect reporting and my credit score is to low. The credit agencies should have also made the changes correctly to my account because I told them this was an error and I disputed it but again the mortgage lender repeatedly keeps saying they r required to report the bankruptcy even though I tell them they r reporting it incorrectly as a result of where they placed their statements and for some reason they continue to refuse to remove the derogatory comments for XXXX and XX/XX/XXXXXXXX XXXX states derogatory payment status. On XXXX report, They have XX/XX/XXXX in red which represents non payments or Negative which is false and should be removed as I have never been negative for any payments what so ever! Also, states I was derogatory for XX/XX/XXXX which is also false! I understand that they required to report that this loan was included in bankruptcy, the the fact is, it was not. Stating this shows I was derogatory or delinquent in some way therefore someone is not reporting correctly the facts about my case because yes I did file bankruptcy but like all the other creditors that were forced to close did not report or state : included in bankruptcy, because I owed them nothing and I paid as agreed. Yes I still owe mortgage lender however I make my payments on time therefore they must change the reporting errors all of the errors and if the statement, included in bankruptcy must be removed in order to bring the true facts about my payment history than they must do so and stop trying to defame my name and character. They should only include anything bankruptcy in the comments if they must say anything about it and must state I paid as agreed that Im in good standing with them and always on time. They must remove all that is incorrect. Based on bankruptcy statements all these errors to my credit reports is causing confusion for all therefore it must be removed and added in a place where it does not affect my payment history or my willingness to pay. It must be removed at once!!!
Company Response:
State: CA
Zip: 95354
Submitted Via: Web
Date Sent: 2021-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-06
Issue: Trouble during payment process
Subissue:
Consumer Complaint: After a mortgage loan transfer to Mr. Cooper, Mr. Cooper withdrew multiple mortgage payments for the month of XXXX. On XX/XX/2021 at XXXX XXXX PST - A one time payment was made. This was set up to be taken out on XX/XX/2021. Documentation includes the original PDF with time stamp of the one-time payment and email confirmation for the payment. Documentation includes a confirmation number. On XX/XX/2021 at XXXX XXXX PST - Autopay was set up on XX/XX/2021 at XXXX XXXX PST to start the auto-payment process on XX/XX/2021. On XX/XX/XXXX, an email was sent from Mr. Cooper saying they will be withdrawing funds on XX/XX/XXXX. This was NOT authorized. No confirmation number for the funds withdrawn on XX/XX/XXXX. Documentation includes the original PDF with the time stamp of the autopayment setup, including email documentation. I contacted my bank to ask for an investigation on the funds. My bank concluded the funds had been withdrawn without authorization. I have a letter from my bank that states this. The funds have been reverse. However, Mr. Cooper is charging a {$15.00} fee for the reversal based on their error. In addition, the XX/XX/2021 payment has not posted yet ( today is XX/XX/2021 ). No payment email was sent to the email indicated during the auotpayment setup for the XX/XX/2021 payment - rather an email was sent to my wife 's email. Which was not included during the time of autopayment setup. I have called Mr. Cooper multiple times, each day. I have tried to message them via the online message system - no response. I have tried to email them. I have sent them online messages of the persons I speak to on the phone with the information they tell me.
Company Response:
State: CA
Zip: 95608
Submitted Via: Web
Date Sent: 2021-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-06
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Mr Cooper will not grant further forbance, and now my payment is through the roof. Im a XXXX veteran on fixed income and wife still not working due to Covid. I can manage my original payment, but nothing further. Mr Cooper will not work with me and I feel that it not right since President Biden has extended forbance and i have a VA loan. Please help.
Company Response:
State: MA
Zip: 020XX
Submitted Via: Web
Date Sent: 2021-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-06
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: My mortgage was sold by XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) to Nationstar Mortgage XXXX d/b/a Mr. Cooper in the middle of XX/XX/2021. I received a notification latter about this dated XX/XX/2021. The sale happened when I was selling the house, and the house was already in escrow. My escrow agent and myself had submitted multiple requests to Nationstar Mortgage XXXX d/b/a Mr. Cooper to provide the payoff statement and routing information to close the sale, but still did not receive the requested info. The requests had been submitted in XXXX and in XXXX. Despite all the efforts and an obligation to provide the payoff statement within 7 days from the request, Nationstar Mortgage XXXX d/b/a Mr. Cooper continues to claim that information is not available. It is obvious that the actions of Nationstar Mortgage XXXX d/b/a Mr. Cooper can be qualified as a refusal to accept payment. As a result of this delay, I am loosing money paying for the house for which the buyer already deposited money in escrow.
Company Response:
State: CA
Zip: 92078
Submitted Via: Web
Date Sent: 2021-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-06
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I took the no penalty forbearance offered by Mr Cooper regarding my loan XXXX during a year 's time due to Covid etc. At the time I was told I'd have an opportunity to discuss the payback options. As of XXXX, my year was up and it was time to make a decision, however I seemed forced in to a loan modification which added to the principal. I actually do not know what happened and that's the issue. I email Mr Cooper from my portal and ask for details regarding the loan mod. I'd like to know if any terms were changed and if so, what, and to ensure it's correct for me, but nobody replies to my email.
Company Response:
State: TX
Zip: 78660
Submitted Via: Web
Date Sent: 2021-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-06
Issue: Trouble during payment process
Subissue:
Consumer Complaint: This complaint is on behalf of my mom who has agreed that i can speak on her behalf. Champion Mortgage Company brought her loan. She had paid the taxes on her home for 30 years including the years she had the reverse mortgage. Her loan number is XXXX. She lives at XXXX XXXX XXXX XXXX and is XXXX years of age. Her name is XXXX XXXX, i am her daughter, XXXX XXXX. She continues to get calls saying she has to retrieve money from XXXX XXXX that they paid on the taxes that she had already paid in the amount of {$730.00}. She has the receipt of payment from her bank statements that the money was accepted. We don't feel she should have to retrieve. We have spoken with several individuals with on different dates who say something different. We need to resolve this issue and my mom can continue to live in peace in her home and pay her taxes on her own and they need to own up the original agreement on this loan. Their address is XXXX is XXXX, XXXX XXXX XXXX, XXXX, OH XXXX. XXXX XXXX - Email : XXXX - Phone : XXXX XXXX # XXXX - XXXX XXXX XXXX XXXX XXXX, TX XXXX
Company Response:
State: MD
Zip: 212XX
Submitted Via: Web
Date Sent: 2021-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-06
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Greenlight XXXX is reporting erroneously on my credit report and it must be fixed. I have been disputing this with them for some time and nobody can ever help me. They are reporting an account on my credit as a repossession and it is not a repo!! They have admitted that they are reporting inaccurately but will do nothing about it. This account was paid in full and I returned the vehicle back to them. I did not stop paying on this account, I simply paid and returned the car and they continue to report erroneously on my credit file. I am aware that you are the furnisher and can report to the bureaus as you deem fit and I ask that you report accurately. If you can not do so, I ask that you send me a letter stating this account should not be reporting on my credit at all period.
Company Response:
State: UT
Zip: 84404
Submitted Via: Web
Date Sent: 2021-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-06
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: My second mortgage hadaballoon payment due in XX/XX/XXXX witth Mr. Cooper i have triedd repeatedly to tal to mr , Cooper since XXXX also XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to get modification without success.
Company Response:
State: CA
Zip: 92243
Submitted Via: Web
Date Sent: 2021-04-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-06
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I received notice from XXXX on XX/XX/XXXX that my loan was going to be serviced by Nationstar Mortgage LLC d/b/a Mr. Cooper. It is now XX/XX/XXXX and I still have not received any notice or statement from Nationstar.
Company Response:
State: IN
Zip: 476XX
Submitted Via: Web
Date Sent: 2021-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A