Date Received: 2023-09-03
Issue: Trouble during payment process
Subissue: Trying to communicate with the company to fix an issue while managing or servicing yo
Consumer Complaint: I am asking to have a late payment removed from my credit profile. This mortgage company has not been reporting proficiently to the credit bureaus. I am receiving a 30 day late payment on my credit profile in the month XXXX from a payment in XXXX. I have made payments in XXXX that are not reporting it reflected on my credit report. Its showing that my last payment was made on XX/XX/XXXX which is incorrect.
Company Response:
State: PA
Zip: 19064
Submitted Via: Web
Date Sent: 2023-09-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-02
Issue: Trouble during payment process
Subissue: Paying off the loan
Consumer Complaint: The mortgage company I believe is ripping me off, The mortgage principal is not going down as we expect it to. When I tried to refinance with XXXX XXXX XXXX XXXX the mortgage company I belong to wrote that company a letter indicating that I was behind in my monthly payment which was not true causing the refinance not to go threw ; then sent a letter explaining his office made a mistake writing that letter. It just seems that I am never getting out of this mortgage loan and I need help.
Company Response:
State: NY
Zip: 10304
Submitted Via: Web
Date Sent: 2023-09-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-01
Issue: Problem with a company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: My credit report has delinquent marks on my account while mortgage relief applications during the COVID-19 pandemic were being processed and I have been approved for {$23000.00} + and Mr. Cooper received funds. I am searching for other options but I am told about the info and I can't be helped at this time. Originally My mortgage {$860.00} has never missed or late payments XXXX and I personally pay my property taxes, insurance and HOA. COVID-19 pandemic my payment became delinquent property taxes and while my XXXX was in final review my lender paid the taxes so I was disqualified and application had to be cancelled and caused me to be in shortage {$1900.00} plus more fees. My payment is now {$1200.00} and I get foreclosure in 30 days I receive {$1600.00} XXXX.
Company Response:
State: CA
Zip: 92882
Submitted Via: Web
Date Sent: 2023-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-31
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and i haven't received any investigation results
Company Response:
State: FL
Zip: 33578
Submitted Via: Web
Date Sent: 2023-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-31
Issue: Trouble during payment process
Subissue: Trying to communicate with the company to fix an issue while managing or servicing yo
Consumer Complaint: During covid I was promised a loan modification on my mortgage on the house I own, awarded to me by the judge in my divorce. The mortgage company I called over and over ran me around in circles with different stories each time I called to make a payment. It started with, " We don't have any divorce decree from the judge. We can not accept payments. '' Then turn around, " We have the modification package ready for you right here we are sending it in the mail now. '' It never arrived. I call and ask what's going on and get hit with yet another story of why they couldn't accept my payments. Meanwhile interest is adding up, and pretty exponentially I will add. The many times I call to figure it out no one gives me any direct answers, and of course I am frustrated. In an escrow account I had the funds to pay off at least 5 % of the damages caused through the whole run-around, and they still refused to accept my payments. I had to file bankruptcy in order for them not to take my home in foreclosure, which was entirely due to self-inflected usury. Not to mention my credit is ruined, and most importantly my morale. They filed an objection to my bankruptcy, which now they've withdrawn for some reason? I believe usury and forced foreclosure may predominantly lie as that reason. I believe this company will sit and wait, as they have, till I no longer have any fight or ability, and then try to get the property and any equity they can for themselves. I have since researched that this company has forced thousands of smaller class people such as me into this position, doing exactly that. I do not appreciate being taken advantage of, and no matter what happens next, it will take years of my life to get back on track due to the damage this mortgage company has greedily inflicted on me.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 79106
Submitted Via: Web
Date Sent: 2023-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-31
Issue: Struggling to pay mortgage
Subissue: Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-li
Consumer Complaint: I started a loan modification in XXXX of XXXX and made the payments and returned paperwork. I paid XXXX, XXXX, XXXX, XXXX, XXXX, XXXX payment in XXXX. I called to find out what was going on multiple times each time they said they just need payment to clear to get underwriting done. Each time I called the next month and the same story. XXXX comes and I call again. They said the modification was denied due to paperwork was not returned or expired. Which it was returned in XXXX. They told me to reapply which I did but they denied with no reason.
Company Response:
State: IL
Zip: 61111
Submitted Via: Web
Date Sent: 2023-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-31
Issue: Trouble during payment process
Subissue: Trying to communicate with the company to fix an issue while managing or servicing yo
Consumer Complaint: I requested the reinstatement amount to become current. It was sent to me but the figures were acknowledged by Rushmore to be incorrect. There were fees that were paid on XX/XX/2023. Any time a loan is reinstated all fees must be paid in full. I asked that the fees be corrected so i could have to correct amount to send them. I was told they don't have time to make the correct adjustments before the foreclosure date. I was also told that even if i did submit a modification package, the investor would not accept it because i had a previous modification. In that last modification my payment went UP by over {$400.00} and my interest rate increase by 2 %. I was told take it or leave it. I thought a modification is supposed to help you. I HAVE WIRED THE REINSTATEMENT AMOUNT THAT WAS REQUESTED ; {$13000.00}
Company Response:
State: GA
Zip: 30094
Submitted Via: Web
Date Sent: 2023-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-31
Issue: Trouble during payment process
Subissue: Payment process
Consumer Complaint: Since the latter part of XXXX, I have been making my mortgage payments in two payments on the two days of the month that I get paid, which is considered partial payments. With partial payments the way I pay which is on the XXXX and the end of the month ( XXXX or XXXX ), there is always a late fee. When I make my mortgage payments I incorporate the late fee. For example my mortgage payment is {$3500.00} and the late fee is {$89.00} for a total of {$360000.00} - this grand total includes both mortgage payment and late fee. My partial payments are split in two payment {$1800.00} for one payment and the other is {$1700.00}. which equals {$3600.00}. On some months I have paid {$1800.00} twice which equals $ XXXXwhich is the late fee and an extra {$88.00}. It was easier for me to pay the double {$1800.00} so I have been doing that for months only to find that Mr. Cooper is stating that I owe them {$260.00} in fees ( please see attached ) Also each month it says that I have 3
Company Response:
State: NJ
Zip: 07731
Submitted Via: Web
Date Sent: 2023-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-30
Issue: Confusing or misleading advertising or marketing
Subissue:
Consumer Complaint: I requested a fix rate. Each time they supposedly helped me I was given an adjustable rate. During closing I was told that if I didnt sign the paperwork they would take my house and my land.
Company Response:
State: SC
Zip: 29687
Submitted Via: Web
Date Sent: 2023-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-30
Issue: Struggling to pay mortgage
Subissue: Trying to communicate with the company to fix an issue related to modification, forbe
Consumer Complaint: Subject : Request for Payment Deferral Option for post Pandemic Forbearance Plan. I hope this email finds you well. I am writing to discuss a matter regarding my mortgage forbearance plan and explore a potential resolution that aligns with my current financial situation and goals for the future. I have a conventional mortgage loan that is under XXXX XXXX, my loan servicer is Mr.Cooper and I have been under the Pandemic Forbearance plan since XX/XX/XXXX ( Ends XX/XX/XXXX ) due to the financial challenges brought about by the ongoing pandemic. This plan has been instrumental in helping me navigate these unprecedented times and maintain stability in my financial obligations and this was my second time forbearance plan ( first plan was taken during XXXX ). Recently, I explored the possibility of continuing my journey towards financial recovery by seeking a loan modification, similar to what was successfully implemented after my first forbearance period in XXXX. Regrettably, the loan modification application was declined, primarily due to the fact that the proposed terms would result in a higher monthly payment than my current principal and interest payment. Further, I understand that my request for payment deferral has also faced challenges. It was communicated that my loan 's eligibility for this option was restricted due to delinquency requirements. This aspect perplexes me, given that my understanding is that the forbearance plan does not inherently constitute delinquency and I had only one late payment before I took Pandemic Forbearance plan. Moreover, the recent updates from the Single-Family Seller/Servicer Guide ( Guide ) Bulletin XXXX indicate that Payment Deferrals will be accessible to homeowners within the XXXX day delinquency range, and this expansion is set to take effect from XX/XX/XXXX. Considering this evolving landscape, I am respectfully requesting the opportunity to discuss the potential of opting for a payment deferral, given my unique circumstances. As someone who is genuinely committed to upholding my mortgage obligations and maintaining the security of my home, I believe that the payment deferral option is the most feasible avenue for me to honor my responsibilities. I acknowledge the options of reinstatement and repayment plan that have been presented to me ; however, these alternatives are not viable for me at this time, given the financial constraints I continue to navigate. As of XX/XX/XXXX, the total lump sum amount is {$14000.00} for reinstatement and the repayment plan requires about {$8500.00} of initial payment up front to proceed. If I have a financial ability to pay those amount at once, I wouldn't take the Pandemic Forbearance plan at all. I am ready and willing to engage in open and constructive dialogue to explore the potential of implementing the payment deferral option, allowing me to make a lump-sum payment of the accumulated forbearance amount at the conclusion of my loan term, or upon the sale or refinancing of the property, whichever occurs first. This approach would enable me to recommence regular mortgage payments and reaffirm my commitment to the terms of my loan. I kindly request your guidance and support in considering this proposition and potentially revisiting the options available to me in light of the new criteria that will be in effect from XX/XX/XXXX. I genuinely believe that a collaborative resolution can be reached that aligns with my earnest intentions and the evolving landscape of mortgage relief. Thank you for your time, consideration, and understanding. I eagerly await your response and the possibility of finding a mutually beneficial solution to address this matter. Sincerely,
Company Response:
State: MD
Zip: 217XX
Submitted Via: Web
Date Sent: 2023-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A