Date Received: 2023-08-11
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I need your help I am in some what of negotiation with MR. Cooper but I just found out that they just received {$27000.00} XX/XX/XXXX XXXX They are still asking for {$7300.00} before they take me off the Forclosure list/ Re-enlisted my mortgage. Can you help me?
Company Response:
State: PA
Zip: 19131
Submitted Via: Web
Date Sent: 2023-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-11
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I purchased my home on XX/XX/XXXX, My Original Lender, sold my mortgage to Mr. Cooper on XX/XX/XXXX. My Insurance Company returned the insurance premium to me, I reached out my new mortgage to ensure what where the procedures in regards to the insurance, I was told by the insurance department to deposit the money in to the escrow account an they will pay the policy. I reached out to the Insurance agency to advised to proceed to issued the policy and send to the Lender for payment. On XX/XX/XXXX I received a call the Insurance Agency informing my policy was canceled for non payment. I called the Lender they send the payment but the insurance co. did not want to reinstate the policy, I was place with a higher premium policy and my mortgage payment was increased. I was affected by the Hurricane Ian, due to the lenders negligence I am struggling with my mortgage payments and my credit has been ruined
Company Response:
State: FL
Zip: 338XX
Submitted Via: Web
Date Sent: 2023-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-10
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under ar open end consumer credit plan as late for ARk purpose.
Company Response:
State: VA
Zip: 23703
Submitted Via: Web
Date Sent: 2023-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-11
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX has filed a case on behave of Nationstar Mortgage for a debt not owed. I never had a contract with Nationstar Mortgage or XXXXXXXX XXXX XXXX XXXX XXXX.
Company Response:
State: IN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-11
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Nationstar Mortgage keeps calling, and sending me letters about a mortgage and I have never had a contract with Nationstar Mortgage.
Company Response:
State: IN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-11
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: My former mortgage company transferred my mortgage to XXXX in XXXX, told me in XXXX. Right path applied a grant for {$7000.00} from approved grant from XXXX to XX/XX/XXXX. In XX/XX/XXXX referred me to foreclosure and I filled at least 3 complaints with the Consumer Financial Protection Bureau for not accepting the ILHAF payment and trying to get my home foreclosed fast. Now my New Mortgage Company, XXXX XXXX, says I owe {$2800.00} for legal fees, maintenance fees and property inspection for 5 months in a row from Rightpath Services. These charges were not on my statement XX/XX/XXXX and now they are from XXXX. Fraudulent charges that should not be there.
Company Response:
State: IL
Zip: 60660
Submitted Via: Web
Date Sent: 2023-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-10
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I am a XXXX veteran with a NJ Property tax exemption. Mr. Cooper has been overcharging me property taxes for close to a year. They were made aware of my tax exemption for close to a year The county and town tax collectors have repeatedly reached out to the company to stop this predatory charging without any help. I finally had to reach out to my congressman for help for them to recognize my tax exemption. Now that they were forced to stop charging me for taxes, I don't have to pay no one at Mr. Cooper knows where the overcharged money is. I have overpaid close to 9,000.00 in taxes and no one at Mr. cooper has any clue or cares. I am curious how many other veterans this company has done this too?
Company Response: Company believes the complaint provided an opportunity to answer consumer's questions
State: NJ
Zip: 077XX
Submitted Via: Web
Date Sent: 2023-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-11
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Mr. Cooper mortgage/XXXX XXXX formerly Nationstar mortgage. My father is deceased as of XX/XX/XXXX. XXXX XXXX is attempting to collect a debt that they state is owed from mr cooper formerly nationstar. They are attempting to collect a full amount of a home equity line of credit that he owed from XXXX and will not release the lien on the property, they have not sent us a full papertrail as to how this debt is still owed from the time it left principal bank and Mers as to when and how it got to them and owed over the amount XXXX years later than his line of credit was even for. With the substantial amount of issues we have found in my fathers records and statements and bank statements copies of checks vs their paperwork and actually the loan suddenly reappearing out of nowhere again that there has been mistakes as well as laws broken. We request a full paper trail including any and all notes or correspondence relating to from phone calls between my father and the creditor. The informations does not add up that has been provided vs the information we have. I do not believe the lien to be valid and if this is not handled quickly or an agreed upon settlement reached we will be forced to pursue legal action as to they are causing substantial harm to his descendants who are the beneficiaries to the property.
Company Response:
State: CA
Zip: 94510
Submitted Via: Web
Date Sent: 2023-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-09
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I found out I have XXXX ( XXXX ) and contacted my mortgage company to find out my pay off price as I will be having alot of Hospital bills and I do not want to get behind in my house payments. They responded and I had to liquidate all my stocks to pay off house and money for bills. I sent them a cashiers check to pay off the house and they just called me and told me that they put my check into an Unsecured Fund instead of paying off my home. They are demanding I send in a house payment and late fees even tho they have the check to pay off house. Plus late fees. They are purposely. holding the check to extort more money from me and I can not spare another house payment my husband and I are on Social Security. Please help.
Company Response:
State: NV
Zip: 89122
Submitted Via: Web
Date Sent: 2023-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-09
Issue: Trouble during payment process
Subissue:
Consumer Complaint: On or about XXXX XXXX XXXX, I was offered a Hurricane Ian Disaster Forbearance by Mr. Cooper ( Nationstar Mortgages d/b/a Mr. Cooper ) after Hurricane Ian caused an incredible amount of damage to our home. I was told that the three skipped payments would be added to the back end of our loan. A agreed to accept three months, believing XXXX XXXX ( our insurance company ) would come to our aid in that time. I was wrong. I was approved for a " Extended Modification '' XXXX XXXX XXXX which Mr. Cooper 's document states " ... adds the principle and interest payments you missed during the forbearance to the end of your loan and extends your loan term ... '' I mailed a modification application to Mr. Cooper to reinstate the mortgage payments. After the wait period I called to check the status and Mr. Cooper 's associates explained that " I '' had canceled the application. This was not true. I repeated this action again and again over the next several months because associates from Mr. Cooper claimed that after mailing my applications, that I canceled them each time. To rectify this misunderstanding, I applied online at the Mr. Cooper website only to be informed that I had yet again canceled my application. After escalating the problem to XXXX XXXX I learned that I never qualified for a forbearance. Prior to Hurricane Ian my wife and I had applied for a streamline mortgage, gotten it, and made several payments. XXXX XXXX XXXX computer system had flagged Mr. Cooper 's offer for a Hurricane Ian Disaster Forbearance but no one in XXXX XXXX informed us until many months had passed. Furthermore, as we were in this forbearance and loan modification application period our mortgage was raised and then after the multiple efforts to get the loan modification to go through the system, we were denied the loan modification due to " excessive obligations in relation to income '' and promptly sent a demand letter. As of XXXX XXXX XXXX Mr. Cooper was demanding the full amount due for the ten months we had been going through this to bring the mortgage current. A community organization offered roughly half the amount owed toward the balance, and we were able to pay the other half. Two cashiers checks totaling the balance and the next month 's mortgage were over-nighted to Mr. Cooper on XX/XX/XXXX to bring the mortgage current. We have documentation the money arrived before the deadline stipulated in Mr. Cooper 's demand letter. Mr. Cooper 's representative informed us the payments were rejected, stating a minimum payment must be in one check or one electronic transfer. This was never stipulated in writing. It would also make it impossible to get help from organizations. Our mortgage account will no longer accept payments. We had paid on this loan every month for twelve years and never missed a payment until Mr. Cooper 's offer to " help '' us.
Company Response:
State: FL
Zip: 33993
Submitted Via: Web
Date Sent: 2023-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A