Date Received: 2023-09-11
Issue: Struggling to pay mortgage
Subissue: Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-li
Consumer Complaint: several months ago, I spoke with a respresentative from Mr. Cooper who indicated I would have the option to put my past due balance on the back of my mortgage as a balloon payment. Surprisingly. the last XXXX representatives I spoke with have indicated I do not have that option available. XXXX months ago I spoke to a representative who asked several questions over the phone then said this was part of their process to see what program I qualify for. This gentlement indicated I would receive a packet in the mail requesting additional information and to be on the look out. Surprisingly, I received a random denial for a program I was unaware he was trying to get me involved with. I called immediately again, The representative indicated on XXXX I can either pay the {$24000.00} past due today and split {$4000.00} in 3-6 payments, pay the full amount of {$28000.00}, or request a modification. Every time I call I get a different story every single time. I just want to resolve this issue, get my mortgage reinstated and the past due put on the back of the mortgage like I waS TOLD at the beginning before I went on this program. They are not being truthful and I feel like its a shakedown and intimidation tactic.
Company Response:
State: MN
Zip: 550XX
Submitted Via: Web
Date Sent: 2023-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-11
Issue: Trouble during payment process
Subissue: Trying to communicate with the company to fix an issue while managing or servicing yo
Consumer Complaint: In XXXX of XXXX i switched home owners insurance from XXXX to XXXXXXXX XXXX. my mortgage company, Right Path Servicing, continued to pay both insurance companies from XX/XX/XXXX till XXXX of XXXX. In doing so my escrow went into the negatives. when we realized something was off with our escrow we contacted Right Path Servicing. They told us that the previous mortgage company messed up on our tax totals and we owe them more money. so we had to get permission to pay an extra {$160.00} a month for 2 years to fix the escrow shortage. we started paying that in XX/XX/XXXX. In XXXX of XXXX we get a letter from state farm stating we would be cancelled for non payment. When i reached out to Right Path, they told me they had paid XXXX. I informed them that we did not have XXXX since XXXX. We discovered that XXXX was paid in XX/XX/XXXX {$1900.00}, XX/XX/XXXX {$2300.00}, and XX/XX/XXXX {$2500.00}. And state farm was also paid XX/XX/XXXX, and XX/XX/XXXX. After going back and forth between the escalation department for Right path Servicing ( XXXX ) and the Advocacy Customer resolution dept. ( XXXX ), the senior customer advocacy ( XXXX ) and XXXX, CRS XXXX Corporate Customer Advocacy Department, I still haven't gotten any resolution to this issue. This month looking at my online statement, it is now showing an additional {$380.00} a month to continue to correct the escrow shortage mistakes that the mortgage company made for the last three years. We are still waiting for Right Path Servicing to provide XXXX with a letter stating the mistake they made in order to release the back funds from XXXX to correct the escrow shortages and to get my mortgage back in good standings.
Company Response:
State: PA
Zip: 19002
Submitted Via: Web
Date Sent: 2023-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-12
Issue: Trouble during payment process
Subissue: Trying to communicate with the company to fix an issue while managing or servicing yo
Consumer Complaint: Dear CFPB Team, Our property, sited at XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX, sufferer significant damage during the XXXX XXXX last year. We received the funds for the repair from the insurance company and immediately we started the reconstruction process. We are in a situation of needing additional funds to keep progressing. We have summitted letters to request release of additional funds and invoices from sub-contractor evidencing the progress and the current cost of the repairs/rebuild. We are in a point we need additional release of the funds as contractors can way any longer waiting on our payment. We have used all our personal funds and credit lines to a point we have exhausted all financial possibilities. Without the release of additional funds we are not able to continue the rebuilding process causing us a significant financial burden. Every week we have a delay cost us {$2000.00} or more. We have been sending all information requested, many times and we haven't receive any answer. In occasions we need to start the whole process again as previous request was lost or never processed, basically ignored. The Financial Institution is : XXXX XXXX XXXX, Tx Loan Number : XXXX
Company Response:
State: FL
Zip: 33193
Submitted Via: Web
Date Sent: 2023-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-11
Issue: Struggling to pay mortgage
Subissue: Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-li
Consumer Complaint: Hi my Name is XXXX XXXX and my XXXX XXXXXXXX in XXXX in XXXX I was offered a forbearance for Covid after that Mr. Cooper refused any payments and tripled my payment amount and wanted a lump sum of XXXX $ would not take partial payments it went from XXXX $ to XXXX $ the house was in probate till XXXX so I could not get insurance until house was in my name could do nothing to change anything they put Forcloser on hold but now I am trying to do a loan modification it was a XXXX $ loan that had been done in XXXX by my Mom I paid it down to XXXX $ until Covid hit then twice they raised amount and would not accept any less money My Income is XXXX $ a month so XXXX $ I could handle but now they want XXXX $ a month I only get XXXX $ a month on XXXX Payments a Month try still refuse to take any amount of money and now there saying I owe over XXXX $ I am so upset and confused how they could do this to me
Company Response:
State: FL
Zip: 32780
Submitted Via: Web
Date Sent: 2023-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-10
Issue: Trouble during payment process
Subissue: Escrow, taxes, or insurance
Consumer Complaint: Our home mortgage is with Nationstar Mortgage, dba " Mr. Cooper '' ( " XXXX '' ). There is an extensive history of XXXX cheating its customers, including XXXX recently brought by CFPB that resulted in XXXX paying out $ XXXX in restitution ( Case Number XXXX ). Looks like they are at it again. Maybe CFPB is already aware of this scam. The brief History is that I recently Re-Fied, and my loan went thru a couple of sales, finally winding up with XXXX about a year and a half ago. Starting 6 months ago XXXX initiated a cyclical process of asserting that " their records showed '' my insurance to be lapsed of deficient. I would respond, submitting complete evidence of insurance, and after a bit of back and forth, I would receive a statement that the matter had been resolved and " no further action was needed at this time ''. After a couple of weeks, the cycle would repeat. This happened 3 times, and then XXXX 's suddenly purchased unnecessary insurance, and did this immediately after one of its " all is resolved '' letters. This resulted in a substantial increase in my principle, by the cost of the insurance, and the funding of a bogus escrow account. My monthly mortgage invoice has increased by a bit over {$100.00}. I submitted a very detailed and documented complaint. XXXX responded, and in my opinion just dug their hole deeper, doubling down on their fraudulent assertions and threats of extortion. I have answered that with an even more detailed response. I will do my best to submit all the relevant files as ZIPs, which should preserve folder structure. But given the 10MB size limit, it might be several zips. I hope I don't time out while I am putting all that together. OK ... 6 ZIP files ( of PDFs ) coming... FIRST COMPLAINT zip files : Demand Letter Exhibit ABCEF Exhibit D -- ( Insurance Purchase ) Part 1 Exhibit D -- Part 2 Exhibit D -- Part 3 SECOND COMPLAINT zip file : Second Complaint Thank you kindly for taking this matter on, and I eagerly look forward to your response.
Company Response: Company believes the complaint provided an opportunity to answer consumer's questions
State: CA
Zip: 94043
Submitted Via: Web
Date Sent: 2023-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-10
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: XX/XX/XXXX, I began the process of my son and his wife assuming the loan/house that I owned. The mortgage is an assumable loan. All paperwork was submitted on time, but it was claimed that it was not received. Paperwork was resubmitted in XX/XX/XXXX, via certified mail to prove it was received on time. Since then, it has been a continuing problem with communication from this company. We have talked to so many different people over the last year who are taking care of this loan assumption, as they keep handing it off. We were told it would take 4-6 months to complete. The last communication I have received was in XX/XX/XXXX, stating they are doing everything they can to facilitate this process quickly. Again, no communication since then. My daughter in law has resubmitted paperwork several times as they have asked for updated bank statements, etc. My son and his wife have great credit scores, so their credit worthiness is not an issue. My credit has been greatly affected by this as it still shows that I have this house and my new house as mortgages that Im paying on. My son and his wife have paid the mortgage for the house in question since XX/XX/XXXX and have provided home insurance and have provided proof that they have been paying the mortgage. It is ridiculous that this is taking over a year to process this assumption. But in the meantime, Mr Cooper has offered to refinance the loan into their names but at a MUCH higher rate, as I had refinanced during Covid and the loan rate is much lower. I believe they do not want to complete the loan assumption because of the low rate that it has and are hoping we will tire of dealing with this and will refinance at higher rate. There is no other reason for this delay.
Company Response:
State: OH
Zip: 442XX
Submitted Via: Web
Date Sent: 2023-09-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-09
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: All federal judgements and the United States government & all 50 states government judgements don't pertain to these corperations as stated by the constant responses for denial of justice and covering up. The have shown with action by covering up and lying in multiple courts that they are above the law as I have shown. And they don't need to go to appeals court to fight a judgement as long as they threaten by force the people they have denied payments to with encarseration when fighting for the unites states and the law. Thy don't investigate anything and give there response with in a day or receiving the complaint or 1 week usually on the weekend. So that is not a proper investigation at all. And as for Mr Cooper thier private email messaging system is so they can hide the truth and not investigate anything.
Company Response:
State: TN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-09
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: All federal judgements and the United States government & all 50 states government judgements don't pertain to these corperations as stated by the constant responses for denial of justice and covering up. The have shown with action by covering up and lying in multiple courts that they are above the law as I have shown. And they don't need to go to appeals court to fight a judgement as long as they threaten by force the people they have denied payments to with encarseration when fighting for the unites states and the law. Thy don't investigate anything and give there response with in a day or receiving the complaint or 1 week usually on the weekend. So that is not a proper investigation at all. And as for Mr Cooper thier private email messaging system is so they can hide the truth and not investigate anything.
Company Response:
State: TN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-08
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I was changed for {$280000.00} in XXXX for legal fees unknown. Transferred to a different mortgage servicer on XX/XX/2023 and still have received no documentation for these fees. They added these fees a week after filed complaint # XXXX XX/XX/5023 with CFPB..
Company Response:
State: IL
Zip: 60660
Submitted Via: Web
Date Sent: 2023-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-08
Issue: Trouble during payment process
Subissue: Trying to communicate with the company to fix an issue while managing or servicing yo
Consumer Complaint: Their toll-free number doesnt allow you to speak with anyone at Mr.Cooper Mortgage when going through their IVR. Puts you in a continuous loop then hangs up. Feels very predatory when Im unable to reach a live agent.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A