Date Received: 2023-08-27
Issue: Trouble during payment process
Subissue: Payment process
Consumer Complaint: I have tried many different ways to pay this mortgage company Mr. Cooper or Right Path. I have written out a time line of sorts and made several attempts to pay them sometimes twice monthly. I receive text messages and inbox messages through the company telling me it has been paid. I can see at times they have taken the payment and then reversed the payment. I have paid my bank fees and fees with them. I have tried using my bank to pay them which my bank will not do anymore, tried auto pay, tried calling it in and scheduling payments. Nothing is working and now they are telling me I am delinquent. I have a feeling they are deliberately trying to get my house foreclosed on. I am filing this complaint as a first step and will be looking at getting an attorney next if I cant get the help I need. I have documentation of all correspondence.
Company Response:
State: TX
Zip: 77316
Submitted Via: Web
Date Sent: 2023-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-28
Issue: Trouble during payment process
Subissue: Lien release
Consumer Complaint: Investment XXXX XXXX XXXX XXXX XXXX, purchased a subject property located at XXXX XXXX XXXX, XXXX XXXX, XXXX FL XXXX and Certificate of Title was issued on XX/XX/XXXX by the XXXX XXXX Clerk of Courts ( attached ). Since taking ownership XXXX XXXX has made every effort and attempt to resolve issues on title. XXXX XXXX attorneys pulled an official title report in which the chain of title shows the following : 1. Assignment of Mortgage - XXXX : XXXXXXXX XXXX XXXX XXXX XXXXXXXX ( XX/XX/XXXX, from XXXX XXXX XXXX XXXX Assignor, to NATIONSTAR MORTGAGE LLC D/B/A CHAMPION MORTGAGE COMPANY, ASSIGNEE ). XXXX. Corporate Assignment of Mortgage - CFN : XXXX Book XXXX Page XXXX ( XX/XX/XXXX, from NATIONSTAR MORTGAGE LLC D/B/A CHAMPION MORTGAGE COMPANY, ASSIGNOR, to Secretary of Housing and Urban Development , Assignee ) . XXXX. Deed - XXXX XXXX XXXX XXXX XXXX XXXX ( Deed shows inconsistencies and does not reflect the proper chain of title and recordings. XXXX. Notice of Default and Foreclosure Sale - XXXX XXXX Book XXXX Page XXXX - Conflicting Information - The Secretary of Housing and Urban Development will bid {$300000.00} - if the mortgage is indeed owed why did HUD bid if there was a debt owed? HUD does not own the loan, they only insured through HECM senior program ( reverse mortgage ) but HUD never truly owned the loan. XXXX XXXX XXXX XXXXXXXX, and Nationstar Mortgage XXXX Champion Mortgage Company does not have any record or proof that the mortgage was indeed paid off or not. XXXX XXXX XXXX, XXXX, and Nationstar Mortgage XXXX Champion Mortgage Company can not locate any data or factual evidence of the mortgage. This has caused XXXX XXXX a loss of {$290000.00} on a resale of the property or a loss of {$120000.00} at Foreclosure sale plus an additional {$60000.00} on repairs, for a total of {$180000.00}. Due to the negligence of XXXX XXXX XXXX, XXXX, mortgagor ; and Nationstar Mortgage XXXX Champion Mortgage Company ; and their lack of evidence to secure the proper loan documentation ; has caused Secretary of Housing and Urban Development to proceed with a false foreclosure ( non-judicial ) on behalf of the borrowers who are deceased since XX/XX/XXXX ( XXXX XXXX ) and XX/XX/XXXX ( XXXX XXXX ). XXXX XXXX XXXX XXXX, Foreclosure Commissioner used and forcefully abused their power to improperly foreclose on the subject property without providing proof or evidence through signed borrower forms from XXXX XXXX ( borrower ) and XXXX XXXX ( borrower ). The United States Secretary of Housing and Urban Development, collaborated with XXXX XXXX XXXX XXXX through non-judicial process in order to avoid litigation and to avoid from providing proof of ownership of the HECM ; when indeed XXXX XXXX XXXX, XXXX, mortgagor still retains ownership of the deed, mortgage and subject property.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-25
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: On at least two occasions XX/XX/23 and XX/XX/23, I've spoke with someone to request that my phone number be removed from their database. Both times they agreed to do so. They continue to call looking for different individuals which is very disruptive to my workday. If I don't answer the call they will leave a message that I don't need. Please have them STOP calling my workplace looking for their debtors, it is highly inappropriate and annoying. Thank you.
Company Response:
State: SC
Zip: 296XX
Submitted Via: Web
Date Sent: 2023-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-25
Issue: Trouble during payment process
Subissue: Escrow, taxes, or insurance
Consumer Complaint: XXXX XXXX paid from escrow for county tax XXXX, XXXX : I received a notice from county that my taxes have not been paid XXXX, XXXX : I contacted my mortgage company who said " not to worry, it would be taken care of '' I asked for something in writing, but they said that could not do that. XX/XX/XXXX : XXXX paid from escrow for county tax XX/XX/XXXX : XXXX paid from escrow for county tax XX/XX/XXXX : XXXX paid form escrow for county tax ( AGAIN ) XXXX XXXX XXXX paid from escrow for county tax XX/XX/XXXX : XXXX paid from escrow for county tax ( AGAIN ) Through these months, regularly contacted to company, who assured me that it would be straightened out, even though they kept sending me notices of a shortage and that my mortgage payment would be going up. They are STILL sending me notices. The county tells me that they sent a check on XX/XX/XXXX forXXXX ( check # XXXX ) to the mortgage company, actually their agent XXXX XXXX. I do not owe them any extra money.
Company Response:
State: CA
Zip: 95624
Submitted Via: Web
Date Sent: 2023-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-25
Issue: Struggling to pay mortgage
Subissue: Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-li
Consumer Complaint: On or about XXXX Nationstar transfer the service to Mr. Cooper. I have been requesting a loan modification on my loan and I really thought Mr. Cooper will give me a loan modification, everything they request from me I send it to them. I have Never denied to make my mortgage payments but they always decline my request even though I prove to then that I can make my payments. They are violating the Homeowner Bill of Rights that became a law XX/XX/XXXX, XXXX in XXXX XXXX gave a very predatory loan and discriminated me when I went to their office to get a loan for my house. I purchase a house for {>= $1,000,000} put 20 % as down payment, have excellent credit and I was making good money to qualified but instead of giving me just one loan, they give me TWO LOANS, INTEREST ONLY ADJUSTABLE RATE NOTE WITH A 6.25 % AND THE SECOND LOAN WAS HOME EQUITY CREDIT LINE INTEREST ONLY ADJUSTABLE AT 8.25 %, I was paying {$7200.00} dollars every month with out any XXXX going to the principal
Company Response:
State: CA
Zip: 92704
Submitted Via: Web
Date Sent: 2023-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-23
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Years ago, I got a loan with XXXX XXXX. Later they transferred the servicing to Mr. Cooper. When the loan was first transferred, Mr. Cooper added an escrow account. I told them I paid XXXX th more in interest to not have an escrow account. They told me I had no choice and I had to pay into an escrow account. I would fight them and they would finally delete thee escrow account. 3 years ago, Mr. Cooper placed lender insurance on my account even though I had provided proof of insurance. During this time I called repeatedly about this and they refused to change the lender policy and accept my insurance policy. Therefore, I was forced to pay 2 insurance companies. Finally, I was able to get someone on the line and proved I had insurance and they refunded 3 years of impounds. Trying to be proactive, I called Mr. Cooper to make sure they got my insurance. At that time, I found out they stopped my auto payment and I was delinquent. Again, I tried to setup autopay and have not been able to do. I did get confirmation that they had my XXXX insurance policy. The policy in affect at ths time dates from XX/XX/XXXX to XX/XX/XXXX Even though they have a paid receiupt of approximateyt {$3800.00} and a policy showing paid in full, Mr. Cooper sent another check of approx. {$3800.00} to my insurance company. My insurance company has denied receiving this payment. This means I have paid my insurance twice. To make matters worse, included in my {$3800.00} amount is insurance for 4 other properties. This is a blanket policy for my rental properties, They are charging me interest on this amount even though they admitted they had proof of full payment for my 1 year policy. They are now telling me, I have to wait for the insurance company to cash the check and send me a reimbursement. That could take at least 6 weeks. Then I am told I have to mail that check to them to be put in my escrow account which I shouldn't have to pay. They want 1 year premium in the account in advance. I spend almost 4 hours every monthly trying to work out problems like this with Mr. Cooper. They want to increase my payment from {$390.00} to {$970.00} per month. .Also, they have created overdrafts for me by increasing the amount of payment with no notification. Please help me to get my {$3800.00} back from Mr. Cooper. Please get Mr. Cooper to reimburse me for the interest charged on this amount. Please help me to stop Mr. Cooper from collecting impounds. Thank you for your assistance. XXXX
Company Response:
State: CA
Zip: 94596
Submitted Via: Web
Date Sent: 2023-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-22
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My loan was recently Sold from Mr Cooper to XXXX XXXX XXXX XXXX company. Sale date was XX/XX/2023. My forbearance plan was set to expire XX/XX/2023 with Mr cooper without an extension. However I attempted to request an extension with Mr cooper loss mitigation department prior to the transfer of the loan. Due to the incompetence of their customer service rep I was told to call in again after XX/XX/2023 to request an extension. Exactly on XX/XX/2023 I called Mr cooper they informed me my loan was sold to XXXX XXXX. Up until the date of XX/XX/2023 Mr Cooper did not QRPC according to XXXX XXXX XXXX guideline with me regarding the ending of the forbearance. At this moment my extension for my disaster forbearance is unresolved and is marked as " expired '' at the time it was sold to my new servicer. XXXX XXXX as of this date has not responded with a resolution this issue, Or even attempted QRPC according to XXXX XXXX XXXX XXXX for any workout solution. They are putting me in a normal delinquent status with no regard to my previous forbearance plan. As of today Im only 6-7 months into my Disaster Forbearance Delinquency I still allowed complete up to 12 months. My current inability to extend my disaster forbearance of my loan is due to incompetence of my previous servicer and inaction taken by my current servicer.
Company Response:
State: CA
Zip: 95618
Submitted Via: Web
Date Sent: 2023-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-22
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have my bank automatically send my mortgage payment to my mortgage company, Mr. Cooper. My bank shows all payments since the start of the mortgage have been accepted by to mortgage company. The mortgage company has stopped applying the payments to my loan since XX/XX/2023 and has sent me a letter threatening foreclosure. The only means to contact them provided by them is a phone number that is answered by an automatic answering program. This program does not have any options to address the lack of applying my payments to my loan. When I ask or try to talk to one of their representatives the program hangs up the phone. The web site also does not provide any way to address this problem or to talk to a representative of their company. This appears as an attempt to force me to refinance my loan at a higher interest rate.
Company Response:
State: CA
Zip: 956XX
Submitted Via: Web
Date Sent: 2023-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-22
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I have been working with the home affordable program via XXXX XXXX they have approved me for assistance to bring my account current to this date MR Cooper has not responded to there request for the current amount to bring the loan current I keep getting the run around by MR cooper telling me they have been in contact with the State of Colorado director and the State Director is telling me no they have not responded to there endless emails for the past 6 months I need help or we are going to loose are home at no fault of ours.
Company Response:
State: CO
Zip: 80104
Submitted Via: Web
Date Sent: 2023-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-21
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: I had a bankruptcy discharged in 2015, it was the only way to save my house before foreclosure. I have been making my payments on time all these years but they have not been reported to the credit agencies the only thing it shows is the discharge of the bankruptcy the lawyer and the mortgage company say there should have been a affirmation of dept filed, I clearly had no knowledge I'd this apparently the mortgage company Mr. Cooper never offered one so I'm being told I would have to refinance and the reporting would start then. Killing my credit scores.
Company Response:
State: UT
Zip: 84104
Submitted Via: Web
Date Sent: 2023-08-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A