Date Received: 2023-10-25
Issue: Trouble during payment process
Subissue: Trying to communicate with the company to fix an issue while managing or servicing yo
Consumer Complaint: Filed hardship paperwork to Mr. Cooper due to non receipt of rental money on property owned at XXXX XXXX XXXX XXXX, XXXX, WI XXXX. Filed required documents in timely fashion and payment plan was arranged. Sold property on XX/XX/23. First payment was coming due for 3 months missed mortgage payments on XX/XX/23. A negative score was added to our credit line after sale of the house despite us meeting timeliness and requirements. Wanting this removed from our credit report.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: WI
Zip: 54650
Submitted Via: Web
Date Sent: 2023-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-24
Issue: Trouble during payment process
Subissue: Trying to communicate with the company to fix an issue while managing or servicing yo
Consumer Complaint: My home mortgage loan was with XXXX XXXX -- a terrible company. They sold it off to an even worse company called Mr. Cooper. The transition did not go smoothly and despite my due diligence and responsiveness, I was receiving numerous alerts from Mr. Cooper. When I tried to contact them, it's impossible by phone or email. At any rate, my complaint is that they inundate me with what I feel are predatory lending emails : Daily, they tell me to take out loans against my equity... I worry that they are preying on people who need money and will respond to their non-stop marketing campaigns. I have asked numerous times to be taken off their marketing email list to no avail. I hit " UNSUBSCRIBE '' over and over again and yet these marketing emails telling me I can get loans against the equity in my home persist. I am reporting this company. I do not like or trust them. I do not want my mortgage with them. Taxpayers in the U.S. should be able to move their loans. It's despicable that XXXX XXXX ( who I didn't originate my loan with ) sold it off to Mr. Cooper. I had no choice and I am now stuck with this horrific, predatory company.
Company Response:
State: CO
Zip: 802XX
Submitted Via: Web
Date Sent: 2023-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-24
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: On XX/XX/2023, Mr. Cooper notified me that they would no longer service my loan as of XX/XX/2023. Please see attached document. The new servicer of my loan became XXXX XXXX as of XX/XX/2023. I sold the property on XX/XX/2023. I no longer own the property, but both Mr. Cooper and XXXX XXXX have failed to properly update the credit agencies that a mortgage no longer exists on the property. My credit reports are all showing mortgages for a property that I no longer own. I have filed disputes with the credit agencies, but my credit reports are still not being updated.
Company Response:
State: PA
Zip: 19406
Submitted Via: Web
Date Sent: 2023-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-23
Issue: Trouble during payment process
Subissue: Trying to communicate with the company to fix an issue while managing or servicing yo
Consumer Complaint: About 4 months ago I had spoke with someone at Mr Cooper mortgage company about doing a Loan assumption on my USDA loan. They had told me the process I needed to follow, so I got all the paper work together and sent it out to them. I continually contacted them during the past 3 months asking the status of my loan assumption. They tell me to call back in the beginning of XXXX to check the status if I hadn't heard anything. So I called back today on XX/XX/ and spoke with a woman who told me that USDA loans are not assumable and that my request was denied. Yet, she further states that her computer did not allow her to conduct an assumption. To my knowledge USDA loans are assumable. Furthermore we requested an appeal based on the denial of the assumption.
Company Response: Company believes the complaint provided an opportunity to answer consumer's questions
State: PA
Zip: 17315
Submitted Via: Web
Date Sent: 2023-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-23
Issue: Struggling to pay mortgage
Subissue: Foreclosure
Consumer Complaint: The lender Mr. Cooper who services the loan has been complained about their practices to intentionally procure homeowners homes. They state they offer modifications to reduce payments and intentionally confuse consumers. I have notified them several times that the lender was predatory and to go back to the lender to modify from XXXX XXXX interest only loan at XXXX interet only. It has recast and XXXX is now ovre XXXX and terms and conditons were not explained on the refinance. They purchased from XXXX XXXX XXXXXXXX the servicing. They will not take my financial documents for miodification to reduce payment and extend terms and every time they have doubled or tripled the payment making it difficult to pay vs modifying with a lower payment. Their response is I should of known. The complaint also needs to be forwarded to the attorney general of Georgia they have complaints in XXXX states and fail to take responsibility and work with the investors they service to assist me. Anyone can see by looking at the note it clearly was predatory lending. They in XXXX letter show I can modify as an option and then they state they can't because it has matured and then they state I can do a modification just by a request with no financial docs to try to lower my payment. Both Mr Cooper and XXXX XXXX are taking advantage of me as a consumer with countless stress and hours trying to take my home I have owned for XXXX yrs.. I am requesting they modify my loan to a 30 year loan vs. 15 and a traditional loan and get me out of the interest only predatory loan for the XXXX request at least and waive the over XXXX in interest and that it should be based on the principal balance owed. They have an excuse every time. You also can not make your modification payments online and they do not tell you that in any paperwork or over the phone. They should help consumers not make it impossible to modify. I have on my loan docs dedicated loan XXXX but never once heard from him it is only on paper designed to look like they ioffer help- they never work with you and never once heard from him XXXX
Company Response:
State: GA
Zip: 305XX
Submitted Via: Web
Date Sent: 2023-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-23
Issue: Trouble during payment process
Subissue: Fees charged
Consumer Complaint: I had a small amount remaining on my existing mortgage with Mr. Cooper after making a number of larger additional payments. I simply wanted to make a final transfer to complete the loan. They refused to provide a final cost for the mortgage unless I paid a {$25.00} fee, or waited for a mailed quote that would have been out of date by the time it arrived. They could provide an estimate over the phone that actually was the true number, but refuse to accept a payment unless I paid {$25.00}. It's extortion. When I said I wanted to make the final payment the exact same way they accept the monthly payment and nearly 10 additional payments in the last year, they again refused to accept the funds. They insist it has to be via wire or certified check, meaning a much more difficult process, exposing a considerable of extra personal information and resulting in a {$30.00} fee to do a wire. This is after the first agent I talked to said I could make the final payment as I had the additional payments, but when I tried to it, they refused and forced the wire. This imposition of unnecessary, unwarranted fees is ridiculous. I want these monies returned and the policies of company changed.
Company Response:
State: VA
Zip: 20152
Submitted Via: Web
Date Sent: 2023-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-22
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I had a mortgage with Nationstar at XXXX XXXX XXXX XXXX Ohio XXXX and filed a XXXX XXXX bankruptcy they are reporting that my account was 90 days late but that was due to bankruptcy under their protection when setting up the payment plan thru court and was not truly late and it is hurting my credit. I should not be punished when I was under court protection and they are the ones that took so long to distribute the payments. I paid on time myself. Please remove these inappropriate reported late payments
Company Response:
State: OH
Zip: 45069
Submitted Via: Web
Date Sent: 2023-10-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-23
Issue: Trouble during payment process
Subissue: Payment process
Consumer Complaint: XX/XX/2023 I XXXX, sent lawful money orders in the amount of {$5000.00} to Mr Coopers overnight processing center at XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX. On XX/XX/2023 my green certified return receipt was returned to me. Approximately the XXXX or XXXX of XXXX I received a call from one of their agents named XXXX, he informed me the call was recorded so its on record. He informed me my forbearance was up and it was time to make a payment, so I XXXX gave the agent the tracking numbers to the money orders and he informed me that they did in fact receive the money orders on the XXXX day of XX/XX/2023 at XXXX. He was very helpful and assured me that they would get to the bottom of it, they know they have they payment and would credit my account since it was an error on there behalf of the company for the amount listed above. I sent the receipts in to email provided which was said to no be received. I was then contacted by XXXX whom I explained what happened I asked if she would honor what the last agent said as far crediting my account for the {$5000.00}, she also assured me she would, as she woukd investigate before hand, she also informed me that the money orders were cashed and may have been placed in the wrong account. I sent her the copies of the original receipts to her XXXX. @ mrcooper.com on the XXXX day of XX/XX/2023. Both agents agreed to to credit my account for the amount of {$5000.00} which was indeed cashed and then not applied to my account after I provided the evidence which they needed. Now neither Agent is honoring the word word is bond and notice to agent is principal. Not only are you not honoring your word but in the middle of a payment dispute Mr copper issues a notice for foreclosure.
Company Response:
State: PA
Zip: 151XX
Submitted Via: Web
Date Sent: 2023-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-21
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: REQUEST FOR XXXX XXXX XXXX TO PRODUCE UNREDACTED FIRST XXXX XXXX BILL, NOTE, STATEMENT, PAST DUE NOTICE FROM SERVICER AND CURRENT UNREDACTED XXXX XXXX XXXX XXXX XXXX BILL, NOTE, STATEMET, PAST-DUE NOTICE FROM THE SERVICER, AKA " THE NOTE FROM XXXX XXXX XXXXXXXX XXXX XXXX THE XXXX XXXX XXXX XXXX REQUESTS THIS INFOMRATION TO HELP THE CURRENT OWNER FOR THE LAST 15 YEARS WIHT FEDERAL COVID HELP TO KEEP HER HOME. XXXX XXXX IS COLLECTING THE OLD DEBT BUT AGAINST FDCPA THEY ARE NOT PROVIDING THE NOTE O F XXXX TO VERIFY THE DISCHARGE OR ACTUAL PAID IN FULL OR OUTSTANDING OF THIS DEBT AND ARE COLLECTING FROM THE WRONG PARTY XXXX. Attachment and enforceability of security interest ; proceeds; supporting obligations; formal requisites. ( a ) A security interest attaches to collateral when it becomes enforceable against the debtor with respect to the collateral, unless an agreement expressly postpones the time of attachment. ( b ) Except as otherwise provided in Subsections ( c ) through ( i ) of this section, a security interest is enforceable against the debtor and third parties with respect to the collateral only if : ( XXXX ) value has been given ; ( XXXX ) the debtor has rights in the collateral or the power to transfer rights in the collateral to a secured party ; and ( 3 ) one of the following conditions is met : ( A ) the debtor has authenticated a security agreement that provides a description of the collateral and, if the security interest covers timber to be cut, a description of the land concerned ; ( B ) the collateral ( B ) the collateral is not a certificated security and is in the possession of the secured party under Section 55-9-313 NMSA 1978 pursuant to the debtor 's security agreement; ( C ) the collateral is a certificated security in registered form and the security certificate has been delivered to the secured party under Section 55-8-301 NMSA 1978 pursuant to the debtor 's security agreement; or ( D ) the collateral is deposit accounts, electronic chattel paper, investment property, letter-of-credit rights or electronic documents, and the secured party has control under Section 55-7-106, 55-9-104, 55-9-105, 55-9-106 or 55-9-107 NMSA 1978 pursuant to the debtor 's security agreement
Company Response:
State: NM
Zip: 87120
Submitted Via: Web
Date Sent: 2023-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-21
Issue: Trouble during payment process
Subissue: Paying off the loan
Consumer Complaint: Upon filing for a bankruptcy ten years ago, I was informed that the second lien on my home with Mr. Cooper was part of the bankruptcy process and that I was not responsible for the debt. The debt was with Mr. Cooper and after calling their answering service, stated such, " that the loan was no longer my responsibility ''. Then a year ago, Mr. Cooper informed me that I was responsible for the loan and it was long past due. As I did not have the funds to pay, I applied for a HAF loan with the state of Maryland, as it was less than {$20000.00}, and during the pandemic I could not afford to make payments. The loan was approved and HAF made the payoff amount of {$18000.00}. Statements emailed to me progressively showed the loan being paid to a - {$160.00}. I spoke with a XXXX XXXX who verified the loan was taken care of. Then on XX/XX/XXXX XXXX I received a phone call from a representative at Mr. Cooper informing me if they did not receive {$2800.00} from me by XX/XX/, the HAF funds would be returned and evidently my house would be in default. The representative kept asking me if I was still in the house, even though I have a first mortgage that I have never missed a payment on. I feel I'm being harassed by Mr. Cooper.
Company Response:
State: MD
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A