Date Received: 2023-08-10
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: My consumer report has been improperly used and my rights have been violated. In accordance to 15 USC 6801, 6802, I was supposed to be given the appropriate notices to report anything on my Consumer Report, then be given the option to opt-in or optout of allowing that information to be reported to my consumer report and then given the exact process to be able to optout securely. 1. XXXX XXXX 2. XXXX XXXX XXXX I need for all of this information to be removed from my consumer report. In addition, there's one reporting in particular I never even heard from and they have not responded to the certified letter I sent them a month ago. They need to be removed from my consumer report as well. 1. Nationstar Mtg./ Mr. Cooper
Company Response:
State: FL
Zip: 32712
Submitted Via: Web
Date Sent: 2023-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-09
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: My complaint is for MR Cooper. I originally applied for the modification on XX/XX/XXXX I received a notice on XX/XX/XXXX that i was missing documents I sent the missing docs on XX/XX/XXXX and on XXXX I received the complete acknowledgement letter stating that my package was deemed complete and they were going to evaluate in 30 days. They then told me ( never received a letter ) on XXXX that I was missing a document I provided the document and Mr Cooper XXXX acknowledge the doc until 20 days letter and that was only because I told them I was going to file a complaint with the cfpb they proceeded to send another complete acknowledgement letter deeming my application complete on XX/XX/XXXX I guess that was to cover themselves because BY LAW they have 30 days to evaluate once the documents are received I was XXXX payment past due when I originally applied and I am now XXXX payments behind my plan is to reach out to my stte attorney general with these letters because they have exceeded the timefram with my request please see attachmennts as well
Company Response:
State: SC
Zip: 29673
Submitted Via: Web
Date Sent: 2023-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-08
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Greeting, I am XXXX XXXX XXXX XXXX military. I was XXXX overseas for almost 5 year my home Mortgage was originally with XXXX which sold or transfer everything to Mr. Cooper. While overseas I suffered with many set back. 1 ) my wife and kids get stock in the XXXX XX/XX/XXXX for 9 months with my XXXX XXXX XXXX due to XXXX while I XXXX and at the same time I had a leak in my house which take months to figure out. 2 ) My XXXX passed away XX/XX/XXXX due to XXXX and I was contact by the XXXX XXXX for funeral arrangement while XXXX. I came back from the funeral back in XXXX. I suffered a back injury on XX/XX/XXXX for which I am in XXXX duty. Mr. Cooper contact me about the change changes which I explain to them I was overseas. They never never stop calling my and reported me to the credit bureau. I am respectfully ask to delete and remove the late fees from my record please. thank you
Company Response: Company believes the complaint provided an opportunity to answer consumer's questions
State: VA
Zip: 23455
Submitted Via: Web
Date Sent: 2023-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-08
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Mr. Cooper acquired my home loan from XXXX Mortgage in XX/XX/XXXX, which included a homeowners insurance policy through XXXX by XXXX which was to be paid via escrow. In XXXX of XXXX, I began receiving notices from Mr. Cooper that our home insurance policy had lapsed and they would require new proof of homeowners insurance. After contacting XXXX, I learned that Mr. Cooper had made a partial payment on the homeowner 's insurance premium from escrow in XX/XX/XXXX and then made no further payments. After multiple attempts to contact Mr. Cooper to resolve the situation, XXXX allowed the insurance policy to expire for non-payment in XX/XX/XXXX. I was not notified by Mr. Cooper the policy had lapsed until receiving the aforementioned letters in XX/XX/XXXX. It is my opinion, and the opinion of XXXX, that the fault for non-payment lies squarely with Mr. Cooper. Because of this situation, I had to acquire a new and more expensive homeowners insurance policy through XXXX by XXXX. In addition, Mr. Cooper bought homeowners insurance on our behalf to cover the period during which the original insurance lapsed, which was much more expensive than the original policy. There are also the countless hours spent on the phone with Mr. Cooper, navigating their antiquated automated phone system, speaking with incompetent representatives, dealing with multiple transfers to different departments and dropped calls. To date, resolve this mistake on the part of Mr. Cooper has added hundreds of dollars to my monthly mortgage payment.
Company Response:
State: IL
Zip: 60612
Submitted Via: Web
Date Sent: 2023-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-07
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Mr. Cooper continues to conduct illegal and questionable business with our account. As of XX/XX/XXXX Mr. Cooper sent our past due balance ( due to their errors ) to a collection agency. This is despite ALSO having sent approval to a recovery program for the same funds, while ALSO still requesting payment from us. Mr. Cooper has not drastically impacted our credit due to several faulty hits and negative reports. We called to make a payment and was denied. We were then told that if we make a payment at the same time as our assistance coming through, they did not know where our payment would be credited to. Our assistance program has told us that it could mess up the funding if we make payments at the same time yet Mr. Cooper continues to insist that we make payments even though the approval process is documented and in the works for the assistance program. Mr. Cooper is attempting to illegally collect multiple payments and is now falsely reporting to the credit bureau. Issues with communication : We still demand all signed receipts from Mr. Cooper to verify the several certified letters they claim to have mailed to our address. We have NEVER received any communication via our online account/consumer portal or via email. This is likely because Mr. Cooper does not want a paper trail of their wrong doings since Mr. Cooper will only release call recordings via a court order. We have requested our call recordings several times and have been denied so now we DEMAND that ALL communication via in writing only via legal certified mail with a tracking number to our home address or via official, not spam, email to our listed emails on file. We made this request and continue to receive phone calls from Mr. Cooper representatives from several different phone numbers. None of the callers leave voicemails either. Mr. Cooper/Nationstar Mortgage is conducting fraudulent business under : ( 1 ) Sections 1031 and 1036 of the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531, 5536 ; ( 2 ) Sections 6 and 19 of the Real Estate Settlement Procedures Act ( RESPA ), 12 U.S.C. 2605, 2617, and the regulations promulgated thereunder at Regulation X, 12 C.F.R. 1024 et seq. ( RESPA Mortgage Servicing Rule ) ; and ( 3 ) Sections 4902 ( a ) and ( b ) of the Homeowners Protection Act of 1998, 12 U.S.C. 4902 ( a ) and 4902 ( b ) ( HPA ). Mr. Cooper is forcing home owners into unjust payment plans and threatening foreclosure without out cause. Mr. Cooper claims to have sent us certified mail on 3 separate occasions but can not provide us with tracking numbers or signed receipts of the letters. We never received any letters because they were never sent. Every time we speak with a representative from Mr. Cooper, we are told different things and each representative says the other one was wrong. We are constantly given faulty information. Mr. Cooper has denied us the ability to make our mortgage payment on several occasions because they want to keep our account behind so they can attempt to foreclose on the property. This company has reported our escrow in the negative despite our insurance company having paid them less than 6 months ago.
Company Response:
State: OH
Zip: 45342
Submitted Via: Web
Date Sent: 2023-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-07
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Nationstar and XXXX continue to report this account improperly. This account is paid in full please update this account to reflect as such.
Company Response:
State: TX
Zip: 77084
Submitted Via: Web
Date Sent: 2023-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-07
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Nationstar and XXXX continue to report this account improperly. This account is paid in full please update this account to reflect as such.
Company Response:
State: TX
Zip: 77084
Submitted Via: Web
Date Sent: 2023-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-07
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Good morning. As per prior messages to your team, XXXX XXXX is in contempt of automatic orders for failing to continue making mortgage payments, transferring marital and mortgage funds from his XXXX account to a partner in XXXX, and using the mortgage funds to pay his attorney ( XXXX XXXX ), after commencement of index XXXX, in XXXX court . Both have committed perjury in court by making misstatements about XXXX XXXX financial condition on the XXXX, and for refusing to respond to a divorce settlement offer and a buy out offer of the home ( XXXX XXXX XXXX, XXXX, MA ), since 2017 in court. Index number is XXXX, in XXXX court . We received the attached letter with unexpected fees and a threat to foreclose on the home in XXXX, by Nationstar. I am requesting legal representation. We have paid another {$5000.00} to Attorney XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX. XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX MA XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Email : XXXX And he is not able to help to stop the foreclosure.
Company Response:
State: MA
Zip: 011XX
Submitted Via: Web
Date Sent: 2023-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-07
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I am the executor on the home after losing a family member. I cancelled the homeowners policy with XXXX insurance in early XXXX and obtained my own policy with XXXX at that time. My agent sent information to Mr. Cooper mortgage company with a verified correct address. I noticed that the escrow payment had increased slightly so I did not realize there was an issue until I received a letter stating that my policy had been cancelled due to nonpayment. I checked my mortgage payment again and the escrow payment had increased SIGNIFICANTLY. I contacted my insurance and they stated that the mortgage co never paid out on my policy and it was cancelled. XXXX was also refusing to rewrite my policy because now there has been a lapse in coverage. Mr Cooper ( mortgage co ) informed me that they paid out the policy in early XXXX and the reason for the escrow increase was that the escrow analysis likely reflected the costs of the old policy because it was done shortly after the change. My escrow payment has more than doubled by the way. My insurance agent informed me after doing some digging that Mr Cooper paid out on my family members policy that had been cancelled. He also stated that he reached out to Mr Cooper numerous times with no response due to the non payment on the updated policy. Currently I have no homeowners because I can not get rewritten with that company and now other companies want a high payment due to the lapse. Even without an active insurance being paid out my escrow, my payment went from about XXXX to almost XXXX a month for overall mortgage/escrow payment. In addition, XXXX cashed the check for the policy that had been cancelled, and now refuses to refund the money in a manner that I can cash the check. They will only write it out to my family members estate and I can not cash that check until I open an estate account solely to cash that 1 check because there is no other reason for me to open one. This means I will have to obtain an XXXX and pay inheritance tax on money that that came out of my own checking account that I have been paying on this home/escrow for over a year now. This seems unethical and is making it very difficult for me to afford things. None of these mistakes were my doing yet I am the only one suffering the consequences.
Company Response:
State: FL
Zip: 329XX
Submitted Via: Web
Date Sent: 2023-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-06
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I recently opened a mortgage loan on an investment property which SHOULD'VE been under my LLC 's credit report and not my own. My LLC is a XXXX XXXX where I only have 33.33 % interest into the investment property, but I acted as the signer on behalf of my LLC when we signed the loan documents. Before signing documents, I confirmed with my loan officer that I was only signing on the LLC 's behalf and that this loan would not show up on my personal credit report. I even have the loan disclosures to show that the LLC is listed as the borrower, not my personal name. However, this mortgage loan is currently showing up on my personal credit report and I have already reached out to my loan provider to correct the issue. However, they said since it's my name on the loan documents, I have to be held responsible for the loan. They have asked me to reach out to the credit bureaus if I wanted to extend this investigation further. I have included their official response letter along with my evidence showing the formation of my XXXX XXXX which shows my interest percentage in the company, the corporate resolution document signed by the other members of the LLC to show that I have the right to act as the signer on the LLC 's behalf, and the loan disclosure and documents which shows that the LLC is listed as the borrower and not myself. Furthermore, I want to make a point that this investment property and loan is signed in Arizona where state law requires that an individual must sign loan documents even if it's on behalf of the LLC. They do not allow the LLC entities to be the official signer of documents.
Company Response:
State: AZ
Zip: 85296
Submitted Via: Web
Date Sent: 2023-08-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A