Date Received: 2023-09-18
Issue: Trouble during payment process
Subissue: Escrow, taxes, or insurance
Consumer Complaint: On XX/XX/2023, I received an email from my mortgage company, Mr. Cooper, informing me that they had disbursed a payment from my escrow account to my insurance company ( XXXX XXXX ) for payment of my hazard insurance premium. On XX/XX/2023, I received a letter from my insurance company dated XX/XX/2023, wherein they indicated my insurance policy had lapsed effective XX/XX/2023, due to nonpayment of the premium.
Company Response:
State: LA
Zip: 70815
Submitted Via: Web
Date Sent: 2023-09-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-19
Issue: Trouble during payment process
Subissue: Interest rate
Consumer Complaint: Please review my loan information My Interest rate too high 7.75 % My monthly payments XXXX XXXX XXXXXXXX : XXXX. Interest rate : 3.875 % Monthly payments XXXX to present : XXXX. Interest rate 7.75 % Origination date XXXXXXXX. Loan amount XXXX Initial rate adjustment. XXXX. Initial interest rate 3.875 %. Net rate change date. XXXX Change percent limit 2.000 %. Index type LIBOR Thank you
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-18
Issue: Trouble during payment process
Subissue: Payment process
Consumer Complaint: On XX/XX/XXXX I reviewed a response from Mr. Cooper regarding a communication they acknowledged receiving on XX/XX/XXXX, although they do not identify where they received this communication from. The response is dated XX/XX/XXXX and appears to be a response to a complaint I filed with the Florida Attorney General, although that is not stated in their response. The response from Mr. Cooper does not mention the Second and Final Notice to obtain hazard insurance or they ( RightPath Servicing ) will purchase hazard insurance on my behalf. I specifically mentioned this notice I received on XX/XX/XXXX from RightPath Servicing, in my complaint to the Attorney General, therefore, I can only assume this response is regarding my complaint even though there is no mention or explanation for RightPath sending this second and final notice, as requested by the Florida Attorney General. Mr. Cooper cunningly omits information regarding the Second and Final Notice sent to me on XX/XX/XXXX because this is the basis of my complaint and is also definitive proof of deception by RightPath Servicing. RightPath Servicing clearly stated Hazard insurance was needed on my property and goes on to describe this hazard insurance, that being, it would only cover the structure, such as the roof, of my property. I provided RightPath Servicing proof, multiple times, of having this hazard insurance coverage, as they described, through my HOA master policy. In XX/XX/XXXX RightPath Servicing charged me for HO6 insurance and not hazard insurance as described in this Second and Final Notice. My mortgage payment was increased by {$1000.00} per month. There is no mistaking what HO6 insurance coverage is and it surely isnt what was described as Hazard insurance in their notice dated XX/XX/XXXX. This deliberately deceptive practice can cause many, like myself, to be threatened with foreclosure if they do not pay into this fraudulent scheme. Mr. Cooper is now refusing to accept my mortgage payments, after I did not sign the loan modification they sent me, a modification I did not request. I was, conveniently, pre approved for this loan modification I did not request or apply for. I understand, per their response, that Mr. Cooper is now in the process of foreclosing on my property. I have sent RightPath Servicing monthly mortgage payment that they have refused to apply to my loan. RightPath Servicing/Mr. Cooper has clearly violated the FDUTPA, The Florida Deceptive and Unfair Trade Practices Act with their deceptive practice, as stated above, and must be investigated. It is very likely, given the troubling history of Mr. Cooper, that a class-action law suit may be necessary. Each response to the CFPB, by RightPath Servicing, claiming to have already addressed this issue shall be recognized as a separate offense.
Company Response:
State: FL
Zip: 33458
Submitted Via: Web
Date Sent: 2023-09-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-17
Issue: Trouble during payment process
Subissue: Trying to communicate with the company to fix an issue while managing or servicing yo
Consumer Complaint: Unlawful Placed Forced Insurance - We have contacted Mr. Cooper ( Nationstar ) multiple times to trying to clear this up, Insurance on the Home at XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX has been consistently been paid in full ever since Mr. Cooper has handled the Loan, we do not or have not had Impound accounts with Mr. Cooper for Taxes or Insurance and has it has always been Paid in Full from XX/XX/XXXX thru XX/XX/XXXX and then was Paid again in Full from XX/XX/XXXX to XX/XX/XXXX. Mr. Cooper keeps telling us that the lapses of Insurance was in XX/XX/XXXX which is not true, The Insurance Company for this home been provided proof ( Insurance Multiple times ) and we kept getting calls that there was no provided proof on Insurance. My son XXXX XXXX on my behalf has spoken to Mr. Cooper Customer Service Every time the Issue came up and was told this would be resolved and the mistake would be taken care of, but the calls keep coming saying that the loan is in default and now their ( Mr. Cooper ) is processing Foreclosure on the Home. They have caused so much emotional distressed for no reason and have been harassing with constant phone calls and letters, I have had my son XXXX XXXX power of Attorney to deal with this issue and has provided proof that they have required. The next step we have is to pursue Legal Action with an Attorney,
Company Response:
State: CA
Zip: 93727
Submitted Via: Web
Date Sent: 2023-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-17
Issue: Struggling to pay mortgage
Subissue: Foreclosure
Consumer Complaint: I am a consumer and a natural person whose been harmed, and rights have been violated by a debt collector who is not the original party of interest attempting to collect a debt from me. Right Path Servicing INC servicer for Nationstar INC and XXXX XXXX XXXX all have stated they are debt collectors attempting to collect a debt from me. I have never done business with or signed any binding contracts with these companies obligating me to perform. They have never signed a contract with me to enforce the contract or performed under the terms and conditions of any said contract or provided any consideration to me. I have sent numerous notices and letters by certified mail under RESPA for information to resolve any debt that I may owe. They have not complied and continues to harm me and violate my rights. They have defaulted by not responding or getting back to me properly. I have sent them presentments where they have agreed to all my terms and conditions by their silence and refusal to not cure any obligation that I sent by certified mail. They ignored my presentments and all terms and conditions and continued to violate me under the federal law. I have acknowledged the debt and accepted the coupon/voucher Right Path Servicing Inc sent to me to settle and discharge any debts I may owe. I own my property under fee-simple and have a free and clear title. They refused to accept my acknowledgement and accept the voucher that has discharged any debt I may owe. I have made a request for them to send me proof of the claims they made against me. I have not given them a gift therefore they shall have filed income taxes with the IRS as proof they paid taxes on the full amount of the loan. They have refused to send me an IRS form 4490 and an affidavit of their proof of claim of an injured party. They have also refused to provide me with the pooling and servicing agreement and E.I.N number and all documents and evidence of standing that will be submitted to the court of record for discovery. Right Path Servicing INC first resort was to send me a letter of default and accelerate in attempts to wrongfully foreclose on my property. Under FDCPA and a fee-simple title my rights have been violated by Right Path Servicing INC , Nationstar INC and XXXX XXXX XXXX. The Mortgage Deed of Trust and the Promissory Note have been separated, the Note was traded and sold. Once a loan has been securitized there is no real party of interest. Under ( FAS 140 ) rules of governing a sale an asset can not be sold to yourself, once an asset is sold, the seller loses its ability to control the asset. If a lender sold a loan to the REMIC, they lose their ability to enforce, control and foreclose on a property. I have reason to believe the note was never registered with the SEC and may have been discharged from the REMIC. If the REMIC does not owe the note, they can not enforce a foreclosure. Therefore, the servicer is not the real party of interest and does not have standing to foreclose on my property. Right Path Servicing INC has sent me a fraudulent copy of the mortgage deed and promissory note, not the originals signed by me at closing with my wet-ink signature. They have never signed the mortgage or note binding them to the contract, therefore the contract is null and void and there is no injured party to make a claim. In attempts to try to collect a debt from me from an asset/stock that has already been sold. The loan went into default, it was written off by the REMIC and insurance was paid out multiple times. They then receive the tax credits from the IRS in which it is settled per bookkeeping entries. Right Path Servicing INC has been paid out multiple times and continues to send me letters and statements to coerce, threaten and harass me every month to pay exaggerated amounts and sued me in court efforts to foreclose and take away my property away. They are not a competent witness to any contract I signed, there is no binding contract between us obligating me to perform nor is there an injured party to make a claim against me. Only the beneficiary can foreclose and the holder in due course can collect. To be the beneficiary one must put up lawful money to fund the loan. I never received a loan, nor did they lend me any monies. They have not provided me with proof of monies loan or transferred to me. Without my knowledge or written consent, I issued the bank my Promissory note to provide actual cash value to fund the loan. The bank has not brought anything of equal value to fund the loan or bank loan check and refuses to sign the promissory note. Therefore, the bank does not legally own the note. The bank has deceived me into believing they funded the loan and expects me to pay the full amount of the loan plus interest without them putting up anything of equal value, refusing to sign the note and failing to perform or provide any consideration. As the grantor of my property who created the trust to control and manage my real estate. The Trust has failed to perform their fiduciary duties specified on the Mortgage deed of trust, note and title. By law the Mortgage Deed of Trust and Promissory Note shall not be bifurcated as it is dependent upon one another and secures the obligation. They have not provided me with any prior notice or received my consent to transfer or sell my original endorsed Note. They have failed to record any chain of assignments, transfers, or power of attorney on record that would have made them the holder of the Note before attempting to foreclose on my property.
Company Response:
State: PA
Zip: 19142
Submitted Via: Web
Date Sent: 2023-09-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-15
Issue: Trouble during payment process
Subissue: Payment process
Consumer Complaint: Haaqve spoken with four different reps at the XXXX XXXX, Mr. Cooper. XX/XX/XXXX payment of {$350.00} made to be applied to XXXX Mortgage XX/XX/XXXX payment of {$310.00} made to be applied to XXXX Mortgage XX/XX/XXXX {$40.00} made to finish XXXX mortgage. All payments are applied. They never applied for the XXXX mortgage. I made a payment of {$700.00} on XX/XX/XXXX. This was applied to the XXXX Mortgage when it should have been applied to the XXXX mortgage payment and made a payment on XX/XX/XXXX for {$700.00}. This should have been the XXXX payment applied to XXXX. I Have spoken several times to reps to resolve this. They keep reporting to the credit bureau even though no payments have been missed. They keep telling me each time they are escalating the issue. It's been 90 days, and it's still not resolved with looking at another late fee added to my account. When they call me they claim they don't see anything unapplied, but when I initiate the call to try to get resolved, they see the " paper trail '' Each rep tries to tell me that it was applied to another date which it was not because of the trail I have proving it.
Company Response:
State: WV
Zip: 249XX
Submitted Via: Web
Date Sent: 2023-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-15
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue: Trying to communicate with the company to fix an issue with the application process
Consumer Complaint: Previous complaint # XXXX wher.as closed when they received a response from Mr. Cooper. It is obvious that you did not read the response because they confirmed they are charging me approx. {$4000.00} for an insurance policy that cover XXXX other properties. Mr. Coopers letter even states they confirmed I did not have a lapse of policy. My agent have faxed the policy 5 times. I, today, am having to fax the information again. The last time this happened, Mr Cooiper charged me forced insurance when I had a policy in place. It took me 3 years to get them to acknowledge the duplicate insurance and I still have not received the check for approximately # XXXX. I need to speak to someone regarding this problem. Mr Cooper makes it impossible to reach a customer service rep. I have had to go thru their automated system for XXXX minutes to reach someone. I am getting nowhere. Do I need to get a politician involved to stop the abuse by Mr. Cooper, Help! XXXX XXXX
Company Response:
State: CA
Zip: 94596
Submitted Via: Web
Date Sent: 2023-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-15
Issue: Trouble during payment process
Subissue: Escrow, taxes, or insurance
Consumer Complaint: On XX/XX/XXXX, FEMA updated their flood maps and placed our house halfway in a flood zone, and halfway out of a flood zone. In XXXX of XXXX, or mortgage was sold to Mr. Cooper aka Nationstar Mortage. On XX/XX/XXXX, I received a letter from Mr. Cooper stating " we reviewed your account and after conducting an investigation determined that we did not make an error and the flood zone designation is appropriate according to the information provided by FEMA. According to their information the mortgaged property resides in an active flood zone. Therefore, flood insurance is required. '' After receiving this letter, we purchased flood insurance through XXXX, policy number XXXX. I uploaded the flood policy to Mr. Cooper 's website to show that we had purchased it, and never got a response back from Mr. Cooper. After three weeks, I called Mr. Cooper to verify that they had received the documentation as I didn't want to be penalized. When I called, I was told by two to three people ( Mr. Cooper has it documented as two, I remember three ) that we did not need flood insurance and they didn't know why that letter was sent out to us stating that we did. I stated I did not want to cancel our flood insurance policy until I had physical documentation from Mr. Cooper stating that we didn't need it since they previously said we did. Mr. Cooper sent out a physical letter to me dated XX/XX/XXXXXXXX that states, " Effective XX/XX/XXXX, Mr. Cooper has removed the flood insurance requirement for the above loan. '' Upon receiving this letter, I cancelled the flood insurance through XXXX since Mr. Cooper said it was no longer needed, and because we were within our 30 day cancellation window with XXXX meaning the policy would not go into effect until 30 days had passed and we were able to get our money back. Fast forward to yesterday, XX/XX/XXXX, I received a letter from Mr. Cooper dated XX/XX/XXXX stating that our home is now located in a flood zone and we are required to purchase flood insurance. This came as a shock after going through this entire thing with Mr. Cooper just a year earlier. FEMA 's flood mapping hasn't been changed since XX/XX/XXXX, so there is no reason we should now be required to purchase flood insurance when Mr. Cooper themselves said we didn't need it AFTER FEMA updated their maps. I called and spoke with XXXX XXXX yesterday ( XX/XX/XXXXXXXX ) with Mr. Cooper. His direct line is XXXX. He is the manager for the Mr. Cooper Insurance Center. He stated he did not know why we were told by Mr. Cooper that we didn't need flood insurance. He also stated that the company Mr. Cooper uses to verify whether a mortgaged property needs flood insurance has remained the same from XXXX to XXXX. This means that the information they provided to Mr. Cooper has been the same all three years, and should be consistent. However, the information Mr. Cooper has given to us has been INCONSISTENT and false as they are stating our now our home was never taken out of a special flood hazard area. Upon calling XXXX today ( XX/XX/XXXXXXXX ) to get a new policy written up for flood insurance, we found out that the premium we had the first time we contacted them about a flood insurance policy went from {$380.00} a year with a coverage of {$250000.00} and a {$2000.00} deductible, to {$1100.00} a year ( with the same coverage and deductible ). This is a {$790.00} a year price difference. XXXX said the prices are set by FEMA, and because we went without flood insurance when we previously had it ( however we cancelled it within the allowed 30 day window and it never went into effect ), FEMA was now requiring us to pay more. I am frustrated and upset by the massive mistake Mr. Cooper has made. We have no control over who our mortgage is sold to, and we have to trust that the information they give us is correct because it's THEIR company. As a consumer, I have no way to verify if what they are telling me is true and correct, I just have to assume it is. And because of this, they have failed myself and my family three times now. This time, it's a huge financial hit, creating a hardship for us, especially because I am a stay at home mom to our XXXX XXXX children and don't bring in an income. Mr. Cooper is also only giving us 45 days to purchase this insurance, so we are suppose to come up with {$1100.00} in less then two months. To put such a massive mistake on your customer who has no way to verify if what they are being told is correct is just wrong, and I have saved all the documentation I received from them showing their egregious mistake. Mr. Cooper needs to make this right, and should be doing everything in their power to correct this. The financial hardship they have created should absolutely not be falling on us, and they are the ones who created it. Our loan maturity date is XXXX/XXXX/XXXX. So we have 27 years left on our mortgage. We purchased flood insurance since Mr. Cooper told us we had to in XXXX of XXXX with a premium of {$380.00} a year. Once they told us they no longer required us to have it in XX/XX/XXXX, we cancelled it. Then upon finding out yesterday ( XX/XX/XXXX ) that they are asking us to purchase it AGAIN, the premium is now {$1100.00} ( price set by FEMA ). This is an additional {$21000.00} we could have to pay over the life of the loan ( an additional {$790.00} a year ) due to Mr. Cooper 's mistake. This is absolutely unacceptable, and I fully expect them to correct their error and make this right. We aren't talking about a small amount of money, and I do not take this lightly.
Company Response:
State: WA
Zip: 98926
Submitted Via: Web
Date Sent: 2023-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-14
Issue: Struggling to pay mortgage
Subissue: Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-li
Consumer Complaint: For the past two months I have been trying to have my mortgage modified but they have been procrastinating in the process and keep sending me emails stating that there is an error in the paperwork and the application won't be held forward. The main issue is that keep stating that I have a business and I need to submit my profits and loss and I do not have a business and I never said that I had one in any of the paperwork that I submitted to them. They are holding up my application with information that I do not have and did not write down on any of the paperwork that I submitted to them I have told them that multiple times in emails and even to my case worker on the phone, but they still do not listen to me and I do not know what else I can do. I need your help to get Mr. Cooper to listen to me and finish processing my mortgage modification application.
Company Response:
State: PA
Zip: 19131
Submitted Via: Web
Date Sent: 2023-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-14
Issue: Trouble during payment process
Subissue: Payment process
Consumer Complaint: I have auto pay set up then they claim I made a payment online on SatXX/XX/XXXX. I did NOT log in or make any payments. The extra payment was PULLED from TWO of my accounts by Mr Cooper. I read this you guys investigated the exact same thing back in XX/XX/XXXX affecting XXXX customers back then. I don't know how many others are affected, but I have two mortages with them and BOTH of my accounts were double withdrawn on XX/XX/XXXX.
Company Response:
State: CA
Zip: 92804
Submitted Via: Web
Date Sent: 2023-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A