Date Received: 2023-09-27
Issue: Struggling to pay mortgage
Subissue: An existing modification, forbearance plan, short sale, or other loss mitigation reli
Consumer Complaint: I had lost my job in the heat of the pandemic. I was out of work for several months and Mr.Cooper had suggested a deferral program to move our monthly payments to the end of our loan then resume regular monthly payments at any time. Grateful for their flexibility we agreed. After about 6 months we were ready to resume payments on our mortgage. We were told by a Mr.Cooper rep that we are still within our window to continue our deferral that we could do so for a full year. Feeling again grateful, we agreed to defer payments again. Until a few months ago we contacted Mr.Cooper to discuss the details of repayment and we learned that deferral was no longer an option for VA loans and that we would need to be enrolled in a forbearance payment plan which doubled our monthly payments. -We were never informed by Mr.Cooper of the change and asked if we wanted to continue our deferral. -We called multiple times inquiring about our mortgage and getting info to resume payments and assured we were fine. -Now the only option is to double our monthly payments or pay a lump sum of $ XXXX. -All the blame was passed to the VA and not to Mr.Cooper who failed to inform us of our options sooner. This does not seem fair to be provided false information then forced us to agree to increased payments that we can not afford. This causing hardship on our family that is not our fault. No consideration for their responsibility to customers. We have placed our house on the market in hopes of selling to get out of this agreement.
Company Response:
State: AL
Zip: 35226
Submitted Via: Web
Date Sent: 2023-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-27
Issue: Struggling to pay mortgage
Subissue: Foreclosure
Consumer Complaint: Wrongful foreclosure banks committed fraud
Company Response:
State: CT
Zip: 06810
Submitted Via: Web
Date Sent: 2023-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-26
Issue: Struggling to pay mortgage
Subissue: An existing modification, forbearance plan, short sale, or other loss mitigation reli
Consumer Complaint: XXXX XXXX XXXX XXXX stated that I should to contact the bank regarding our house and mortgage this morning. I called what I thought was the bank/ right path- which XXXX XXXX and attorney XXXX XXXX gave the court. These two men then walked out of the courtroom again without making any mortgage or child support payments, since XXXX, as we have been in divorce court for that long. Only the two men- XXXX XXXX and XXXX XXXX have benefitted from the float on the cash over 7 years that theyve withheld from two children, XXXX and XXXXXXXX XXXX XXXX XXXX XXXX defaulted on his mortgage in XXXX. At the dane time, I took out loans to pay the down payment on XXXX XXXX XXXX XXXX MA, XXXX, in XXXX, and the auction amount and other fees to save the house from foreclosure by XXXX XXXX Im on the title. Attorney XXXX XXXX in MA wrote that its hopeless and that he cant help us to fight the bank and that they will take our house and all of my payments. XXXX XXXX and the court in XXXX ordered XXXX XXXX to pay his debt and hes in contempt. I called right path today and was not able to get information in writing on how to save my only home. They asked me to sign the deed over to them and give them my house.
Company Response:
State: NY
Zip: 10024
Submitted Via: Web
Date Sent: 2023-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-26
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: I reached out to Mr Cooper Mortgage to have my XXXX Credit report updated because I'm receiving denials because of their non-reporting. It has resulted in me having a false low credit report. My payments haven't been reported since XX/XX/2022.
Company Response: Company believes the complaint provided an opportunity to answer consumer's questions
State: GA
Zip: 306XX
Submitted Via: Web
Date Sent: 2023-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-26
Issue: Struggling to pay mortgage
Subissue: Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-li
Consumer Complaint: On these dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I sent email requests and appeals to my FHA loan servicer, Mr. CooperXXXX Mortgage XXXX for FHA loss mitigation loan modification programs, specifically, the COVID-19 Advance Loan Modification ( ALM ). HUD counselors has specifically noted this program as the " next-step '' loss mitigation option for my FHA file . HUD directed me to contact Mr. Cooper and request that I be reviewed for the COVID-19 ALM program in which Mr. Cooper has repeatedly ignored and instead, offered a loan modification that increases my interest rate from 3.37 % to 4.76 %. The COVID-19 ALM allows for a minimum of 25 % reduction in both principal and interest payments. In response, HUD counselors have insisted that the ALM loss mitigation program remains available to FHA-insured borrowers until XX/XX/XXXX of XXXX. HUD sent documents including sections from the updated FHA/HUD handbook that specifically instruct loan servicers with steps when processing borrowers for loss mitigation programs. In the meantime, I've further become delinquent in mortgage payments because of Mr. Cooper 's inability to cooperate and review my file to extend the COVID-19 ALM program, which I am qualified for. HUD because of the complaint : Loan # XXXX, FHA case have filed a case number : # XXXXXXXX XXXX XXXXXXXX. Thank you!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-27
Issue: Struggling to pay mortgage
Subissue: An existing modification, forbearance plan, short sale, or other loss mitigation reli
Consumer Complaint: Mrcooper won't give me the forbearance on my account XXXX I asked them for 6 months since I got XXXX and got sick. they won't give me the 6 months. I need help
Company Response:
State: CA
Zip: 90255
Submitted Via: Web
Date Sent: 2023-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-26
Issue: Trouble during payment process
Subissue: Payment process
Consumer Complaint: On XX/XX/XXXX, received XX/XX/XXXX RightPath Servicing sent me a Second and Final Notice to purchase Hazard Insurance or RightPath Servicing would initiate LPI for Hazard Insurance. On page three ( 3 ) of this Second and Final Notice, RightPath Servicing describes in detail, the Hazard Insurance coverage that will be purchased by them if I do not purchase this Hazard Insurance, as described by RightPath Servicing on page 3. RightPath Servicing clearly describes this Hazard Insurance as The hazard insurance we obtain will cover ONLY the structure of your home ( e.g. the building, walls, roof and permanent attachments ). This description is coverage already found in my HOA Master Policy coverage that they had received proof of, multiple times. In XXXX of XXXX, I attempted to pay my monthly mortgage payment and noticed the amount increased by {$1000.00} per month and the reason for increase was listed as HO6 Insurance coverage ( Policy ). I filed a complaint with the CFPB claiming that I was not advised by RightPath Servicing to purchase HO6 insurance, that RightPath Servicing claimed I needed to purchase acceptable insurance, Hazard Insurance coverage as they described in the Second and Final Notice letter dated XX/XX/XXXX, the description being something other than HO6 coverage. I asked for RightPath Servicing to describe the difference between Hazard Insurance and HO6 insurance, to see if RightPath Servicing identifies HO6 insurance as Hazard insurance in any way. They do not. In addition, I learned at this time, that Hazard Insurance is not a form of insurance that can be purchased separately from Homeowners Insurance, as HO6 can be purchased as separate coverage. I was repeatedly told that I needed to purchase Hazard Insurance when, 1. Its not something available for purchasing and 2. RightPath never purchased Hazard Insurance on my behalf because it doesnt exist as a separate policy. Yet, they continued to instruct me to purchase Hazard Insurance. On XX/XX/XXXX RightPath Servicing addressed my request for them to explain the difference between Hazard insurance and HO6 insurance. Page 1, Paragraph 3 of the XX/XX/XXXX response letter states : Hazard insurance protects the structure of your property from damaging events lilke ( like ) windstorms and fires. In a condominium, the homeowners association master policy normally provides coverage for the exterior structure. Page 1, Paragraph 4 states : For properties that are condominiums, we require an additional HO6 policy which covers the interior of the condominium unit and any interior improvements made. In the Second and Final Notice letter dated XX/XX/XXXX, RightPath Servicing clearly describes ( Hazard ) insurance ( the exterior, roof etc ) that is NOT coverage offered by an HO6 policy. RightPath Servicing goes on to explain what the insurance they purchase WILL NOT cover and what they described as not covered would be coverage normally offered by an HO6 policy such as liability and personal belongings, further moving away from anything describing HO6 coverage. The Second and Final Notice has completely different language than the first notice of XX/XX/XXXX. There is no mention of betterments and improvements being needed in this Second and Final Notice. RightPath Servicing never came close to describing HO6 coverage in this Second and Final Notice, in fact, it was the exact opposite. This deliberately deceptive tactic has caused me great financial harm, also severely damaging my credit worthiness. RightPath Servicing sends 50 page responses to inquiries in order to cloud this issue but the simple fact is, the Second and Final Notice, dated XX/XX/XXXX, instructed me to purchase insurance I already have, insurance that was never purchased by RightPath Servicing on my behalf.
Company Response:
State: FL
Zip: 33458
Submitted Via: Web
Date Sent: 2023-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-26
Issue: Trouble during payment process
Subissue: Escrow, taxes, or insurance
Consumer Complaint: RE : - Nationstar Mortgage Mr. Cooper Rightpath servicing XXXX XXXX XXXX XXXX XXXX XXXX XXXX Myprincipalloan amount haspractically doubled, with charges, late fees, corporate advancefees, attorneysfees , drive by fees, etc., etc. that has snowballed during the lengthyduration of this engineered foreclosure attempt. They claimed in the bank 's foreclosurefiling, I did not make a XX/XX/XXXXXXXX Mortgage payment, when in actuality not only were they paid, but " they '' had deducted it out of my account ; via ACH withdrawal. During that time frame, XXXX loan servicing, falsely advised me that I owed them approximately $ XXXXoverwhat was actually owed them.This was brought to my attention just after a mortgage modification had been completed. So I knew something clearly was wrong. When I brought myconcernsto theirattention, by requesting some truth in lending. They point blank refused to explain the origin of the additional amount, but insisted I pay itanyway or they would refer my loan to foreclose. Me, beinga person of principal, Irefused to pay for something I did not owe. Nonetheless, I continued to make my regular mortgage payments. Hoping that I would eventually get an agent to look into it and resolve the bank 's overcharge. I also began documentingthroughletters and followed up with phone callsas Iclearly stated, " I disagreed with the validity of the debt & the amount of the debt '', & was requesting an explanation justifying the charges. They continually made one excuse or another, expecting me to just pay whatever amount they chose to pull out of theirhat. This has been nothing short of an extortion event which has turned into a racketeering attempt. Pleasenote, after XXXX XXXX XXXX XXXX doing their michieft, having been paid in full my loan was then handed off to XXXX XXXX XXXX, then toNationstar Mortgage, better known as Mr. Cooper, withRightpath servicing being the new servicer. There may be chains of title issues during the timeline in which they played hot potato with this loan. Theabove-mentioned organizations areall connected, one in the same, just merelyunder theguise of differentcorporatealiases. Regardless they all seem to be attempting to collect on falsifiedpaper on behalf of one another. As one does thecriminal mischief, then hands it off to the next to collect on it. To date theyhave each singularly and collectively refused to take responsibility for the extortion attempts, hoping to capitalize onat the leastthe erroneouscharges plus interest, fees and costs or more significantly to repossession of my home. I haveattemptedto resolve this countless times to no avail. Most recently I requested one of the managers, XXXX XXXX withMr.Cooper dosome research on my accountin order to identify some of the overcharges in order tohave it removed. Right along with the additional late fees, corporate advance fees, attorneys fees , drive by fees, etc. etc. all resultingfrom their original wrongful overcharges ; now turnedinto foreclosure action. They are attempting to fraudulently collect a large sum of money from me which is not owed to them. To my surprise, each of the banks involved, point blank refused to remove the over charges ; in the hopes I would tire and give in or simply get fed up and walk away. I will not succumbtothisbanking carteland theirevil minions attemptingto stealmy largest asset rendering me homeless. As they continually try to beat me down, attempting to instill fear with their ongoing falsified foreclosure attempts. They are counting on me not having all the necessary documents, so many years later to be able to illustrate their criminal mischief. When XXXX XXXX refused to acknowledge the multipleforced placed insurance policies, after her investigation. Ultimatelyrefusing to creditmy account for the overcharges. I then provided RightPath Serving, with a copy of the original XXXX XXXX XXXX XXXX XXXX escrow statement dating back to the XXXX / XXXX calendaryear, as my insurance coverage commences in XXXX of one year and goes to XXXX of the next. That statement clearly reflects that I was billed for " 4 insurance policies '' plus some other unknownHazardInsurance charges all for the same calendaryear. This was the catalyst that createda huge escrow shortage, and has fraudulently placed my account in the rears accruing of all the other fees over the last 7 years, now well in excess of $ XXXX. After they refused to take any further payments of mine back in XXXX settingup the large overage, to insure foreclosure! Please note, my mortgage payments include PITI ( principal, interest, taxes and insurance ) combined in one payment amount.Also, between XXXX / XXXX to date they had also refused to pay my insurance company 's policies and it was cancelled due to nonpayment. Whereby they gladly put theirforced placed policy instead with a 30 % higher premiumon average. For several years. A year and a half ago, I had applied and qualified for theHAF PROGRAM, whereby this program wouldcontribute $ XXXX towards bringing my mortgage current. The program facilitator has requested, I providethem with some necessary paperwork from the bank reflecting the $ XXXX balance so the program can make their portion of the payment assisting me in bringing themortgage current until the parties could determine the accurate reinstatement amount to resolve the pending foreclosure as per the judge 's order. To date the bank has refused to provide me with the necessary documentation for the HAF Program, ultimately blocking the HAF PROGRAM from making their payment. Hoping the program would expire and just go away due to theirin action, ensuring a foreclosure win fo them. Moreover they again have refused to remediatethe insurance overcharges plus all the resultingfees over the years, i.e. the late fees, corporate advancefees, attorneysfees , drive by fees, etc. which currently exceed $ XXXX and growing. But they in essence have chosen to block any future payments unless it'sthe amount that theextortionist'sdeem allowablefor me theability tobring my mortgage current. As they continue to disregarda court order, from XXXX of XXXX ultimately blocking themselves from being paid. Please note all of the overagestacked on to my account for that particular year is as follows {$5200.00}, {$3800.00}, {$260.00}, {$3800.00}, {$13.00}. Compounding annually andcomplying with the fraudulentlate fees, corporate advancefees, attorneysfees , drive by fees, and any other fee they could think to drum up in order to grow my outstanding ledger. This hasserved to increase my monthly mortgage payment by roughly 25- 30 % before even calculating a new interest rate, should I decide to refinance. What a sure fire way to ensure foreclose success. In XXXX XXXXXXXX my correct Insurance policy cost was {$3300.00} ( please see the attached deck page ) & my Taxes were {$2400.00}.
Company Response:
State: FL
Zip: 33155
Submitted Via: Web
Date Sent: 2023-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-26
Issue: Trouble during payment process
Subissue: Payment process
Consumer Complaint: XXXX Florida has been paying the moprtgage directly to the mortgage company, reference XXXX ( HAF account ), XXXX XXXX XXXX GThe nortgage was sold by XXXX XXXX to Mr. Cooper effective XX/XX/2023. Mr Cooper account XXXX, Mr Cooper received payment in XXXX from HAF and creditied account for {$1700.00}. Since than, there has been two wire trasnfers made my HASF to Mr Cooper in the ampunt of {$1700.00} dated XX/XX/XXXX and XX/XX/2023. Mr Cooper has not applied those funds to my account. Mr Cooper has given me a contact in their company, XXXX, telephone XXXX. He has been polite, buit has offered zero assisitance except telling me this issues has been elevated to the HAF Florinda dept in Mr Cooper. They are calling me telling me I am past due. This issue needs to corrected ASAP, There are serious problems with that bank not applying my funds and In find this to be criminal if action not taken properly. Please help and advise if this not corrected, how can I file ctriminal and other charges. Thank You XXXX XXXX
Company Response:
State: FL
Zip: 33321
Submitted Via: Web
Date Sent: 2023-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-25
Issue: Trouble during payment process
Subissue: Trying to communicate with the company to fix an issue while managing or servicing yo
Consumer Complaint: I reached out to Mr.Cooper regarding an increase in my mortgage with a new monthly bill of {$2200.00} that was scheduled for XXXX via telephone on XX/XX/XXXX. There was an escrow shortage in the amount of {$490.00}. I paid the shortage to avoid an increase. I was told to call back in on XX/XX/XXXX to give time for the payment to process and have a new analysis to be run, so that there will be no shortage and my mortgage would go back to the original amount. I called on XX/XX/XXXX and the person refused to run the analysis and was very rude. I sent an email on XX/XX/XXXX and a new analysis was ran ( doc attached ) which put my mortgage back to the original amount. I checked my account and see my payment due is {$2200.00}. I reached out to XXXX again via email and they responded by saying my mortgage will increase in XXXX because my escrow might be short in the future. However my bill has increased for the month of XXXX. However, my bill should not increase based on a possibility and should be based on the analysis and whether I currently have a shortage.
Company Response:
State: VA
Zip: 22554
Submitted Via: Web
Date Sent: 2023-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A