Date Received: 2023-07-31
Issue: Trouble during payment process
Subissue:
Consumer Complaint: On XX/XX/XXXX, my bank, XXXX XXXX, mailed a check in the amount of {$1200.00} to my mortgage company, Mr. Cooper, via XXXX XXXX online Bill Pay system. The check was mailed to Mr. Cooper at XXXX XXXX XXXX, XXXX, XXXX XXXX. This check represented the second half of my full mortgage payment of {$2500.00}, which was due on XX/XX/XXXX. The first half of the XX/XX/XXXX payment was submitted electronically by XXXX XXXX on XX/XX/XXXX in the amount of {$1200.00}. On XX/XX/XXXX, the {$1200.00} payment mailed on XX/XX/XXXX was not reflected in my mortgage account. To remedy this, I submitted an online payment of {$1200.00} on Mr. Coopers website on XX/XX/XXXX. Mr. Cooper assessed a late fee in the amount of {$72.00} because they alleged the XX/XX/XXXX payment had not been received in full by XX/XX/XXXX. On XX/XX/XXXX, the payment mailed by XXXX XXXX was still not reflected in my mortgage account. I initiated an online chat with Mr. Cooper customer service representative, XXXX XXXX, who confirmed that Mr. Cooper had still not received the payment mailed by XXXX XXXX on XX/XX/XXXX, and verified the address to which the check was mailed was the correct billing address. I called XXXX XXXX on XX/XX/XXXX and advised the representative that the {$1200.00} check they had mailed to Mr. Cooper on XX/XX/XXXX had not been received by Mr. Cooper. XXXX XXXX initiated an investigation and submitted their results on XX/XX/XXXX. XXXX XXXX determined the check was mailed to the correct billing address for Mr. Cooper, it had been received by Mr. Cooper, and it had been endorsed by Mr. Cooper/Nationstar on XX/XX/XXXX ( prior to the date I was assessed a late fee of {$72.00} on XX/XX/XXXX ). As of today, XX/XX/XXXX at XXXX XXXX XXXX the {$1200.00} payment mailed to Mr. Cooper XXXX XX/XX/XXXX and endorsed by Mr. Cooper XXXX XX/XX/XXXX, is still not reflected in my mortgage account. This is the second complaint I have filed against Mr. Cooper since they acquired my mortgage in XX/XX/XXXX. The previous complaint ( ID # XXXX ), wherein I advised that Mr. Cooper had falsely reported a late payment to the credit bureaus, was closed on XX/XX/XXXX. I subsequently received a letter from Mr. Cooper dated XX/XX/XXXX, wherein they admitted to making " errors '' with my payments. Mr. Cooper has been grossly negligent, extremely incompetent, and blatantly untruthful in their handling of customer payments, to the detriment of my credit score and my finances.
Company Response:
State: LA
Zip: 70815
Submitted Via: Web
Date Sent: 2023-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-31
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Loan was transferred to new servicer. Accidentally the 3rd payment was made to the prior servicer on time and with sufficient funds, so we though the payment was made- all set as always. The prior servicer didn't forward the payment, ( or notify me in any way it was sent to the wrong place ) and the rejected payment didn't post as failed with my bank until after it was already late. I forwarded the copy of the bank statement showing it WAS paid on time, along with the payment, and the current month 's payment due, as soon as it was discovered it hadn't processed. I submitted to the servicer, who has since applied late fees, and is not posting the regular payments due to insufficient funds due to the unwarranted late fees that were applied. I have tried to expedite this with the servicer, to no avail, so it is time for the CFPB to try. It has negatively affected my credit rating, caused other credit score driven issue such as my a rejection of my daughters student loan application for her tuition due XX/XX/XXXX. If they due process the student loan, it affects the terms we receive on it due to the low credit scores associated with the issues created by the misreporting of Mr. Cooper regarding the mortgage payment servicing transfer issues. Mr Cooper was unwilling to to expedite any part of this. I attached the statement showing the payment XXXX to academy mortgage and the XXXX paid XX/XX/XXXX.. The rejected one was also resent on XX/XX/XXXX XXXX
Company Response:
State: MA
Zip: 019XX
Submitted Via: Web
Date Sent: 2023-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-31
Issue: Trouble during payment process
Subissue:
Consumer Complaint: XXXX XXXX XXXX I am filing this complaint after receiving a XX/XX/XXXX mailed response from Counsel for Nationstar Mortgage LLC that addressed XXXX XXXX and XXXX XXXX complaint and left these above valid complaints unresponded to by outside counsel as XXXX XXXX claimed would happen by XX/XX/XXXX and did not, as well as stating wholly false information as a response. Please see my objection and reply to the XX/XX/XXXX response to the XXXX XXXX and XXXX XXXX complaint as a wholly false response, proven by the attached XXXX Invalid agreement that superseded the invalid XXXX Agreement. Neither are confidential, and Nationstar owes me a remaining refund of {$6000.00} not damages as claimed by this Counsel in relation to the general damages payment of {$5000.00} paid without disclosure of the remaining refund of sales proceeds, without any explanation of an inaccurate payment allocation of {$11000.00} and whether or not it has been accurately allocated and without any explanation as to why the Company reported to three credit bureaus that XXXX XXXX XXXX XXXX underpaid their company in the specific amount of {$170000.00} between XX/XX/XXXX and XX/XX/XXXX and without any explanation as to where this false information in my credit files came from within the mortgage file for loan XXXX. I am seeking permission from the Court to receive my refund and damages caused by Nationstars actions between XXXX and XXXX, as attached, with a hearing date set for XX/XX/XXXX at XXXXXXXX XXXX, to which no proof of services has been yet produced for the amount in lines XXXX still held and retained by Nationstar in an open suspense account 8 years after accepting the payoff demand to which was by law, the mortgage and Nationstars servicer guidelines this account was to be closed out and amounts refunded to me within 20 days and it was not, nor were any services performed to cause the initial collection of the funds in the first place.
Company Response:
State: OK
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-31
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I filed three disputes against Nationstar Mortgage, DBA Mr. Cooper, who, so far, has refused to correct my credit report after a missed payment caused by company error. Coopers letters, comments, and actions show they misrepresented and mishandled an internal error at my expense, following it with punitive erroneous credit reports! 1 : Mr. Cooper canceled my autopay with insufficient notice, 1 day before payment was drafted, no reason, after 5 reps stated it was still in effect and had been updated, causing my XXXX payment to be missed. With no advanced notice ( per autopay contract ), they sent a letter via US mail on the day it was cancelled, received well after payment was missed. This error was part of multiple issues processing an autopay update from XX/XX/XXXX through XX/XX/XXXX. XXXX letter of XXXX, two days before an impending account transfer, shows they were still processing the update after I was assured it was completed on XX/XX/XXXX. The XXXX statement was issued XX/XX/XXXX ( normally on the 8th of the month ), well after the grace period ended ( 15th of the month ). I did not receive any notices of cancellation until the account was already late and transferred. A supervisor and multiple reps advised late payments are not reported unless over 60 days, yet a 30-day late report for XXXX was sent. 2 : When disputed, Mr. Cooper corrected their report XXXX, showing delinquencies for XXXX AND XXXX. The loan was transferred XXXX XXXX ; Cooper had no payment info, nor right to report, after XX/XX/XXXX ; their auto pay cancellation caused the missed pymt! The transfer complicated issues ; some reps stated cancellation was not required for transfer, others stated it was prep for the transfer. A letter was later sent advising Cooper " researched '' my dispute and it was correct. How thorough was research that missed the loan transfer effective XX/XX/XXXX, after which no payment was due them, nor payment info in their possession? 3 : After disputing # 2, an XXXX rep advised the report was changed to XXXX & XXXX late ; my latest dispute result, XXXX, still shows XXXX & XXXX. XXXX has received auto payments the 7th of every month since XX/XX/2013. XXXX XXXX statement shows pymt posted XXXX, also confirmed XXXX & XXXX by their reps. Neither XXXX nor XXXX payments were late ; XXXX was missed exclusively due to Cooper error. My payment history ( NO delinquencies ) proves my intent to pay, in good faith, as agreed. Coopers letters, comments, and actions show they misrepresented and mishandled an internal error processing my autpay update, evidenced by continuing till 2 days before acct transfer, and gave no advance notice of autopay cancellation. Cooper attributed cancellation to acct transfer, claiming their letter, received XXXX weeks after, was acceptable grounds to report the resulting missed payment. These actions seem no less than breach of contract, show irresponsible & illegal business practices with systemic, inter-departmental lack of knowledge or misrepresentation of account activity, causing confusion and conflict for employees and clients alike. I have been told I am not the only client struggling with erroneous, punitive credit reports from this transfer! Cooper 's policies and procedures demand immediate investigation and correction! A detailed chronology, follows : XXXX Faxed autopay update, new bank info ( att ). In 5 follow-up calls ( below ), all 5 reps confirmed auto pay in effect, old acct to be used until new info posted, was being processed ; XXXX advised was complete. XXXX @ XXXX : XXXX XXXX confirmed XXXX pymt rcvd XXXX, autopay form rcvd, not processed. XXXX @ XXXX : XXXX XXXX advised processing autopay changes today, confirmed new acct #, pymt changed to 1st of month from 7th, extra to principal. XXXX : IVR has old acct #. Cooper rep ( female, missed name ) confirmed fax was rcvd, is blank, as though back side of paper. While on hold, she saw it took 5 full mins to load fax image, clearly legible. She reconfirmed XXXX pymt made, being processed, takes few days, documented acct to wait for doc to load. XXXX @ XXXX : XXXX still has old #. XXXX : XXXX XXXX XXXX, XXXX AZ, emailed autopay dept, waiting for reply. Unk why not yet processed, took time researching to find possible issues. Added privacy preferences to file. On call 49 min : 46 secs, still no answer, will call back Fri if gets reply in a.m. ( No callback, NO mention of transfer, should've seen it while researching in a 50-min call? ) XXXX @ XXXX : XXXX XXXX advised autopay setup complete, will take effect on XXXX. XXXX pymt will draft from old acct on 7th ; XXXX pymt will draft from new acct on 1st, extra to principal, new total. Assured me all set, NO mention of loan transfer. XXXX : Effective date of acct transfer. Notification letter ( att ) states if auto-paid, pymts after XXXX will be canceled, so why cancel auto pay w/in the grace period in the month prior to transferring? Clearly was not automatically cancelled as requirement for acct transfer, as confirmed by some XXXX reps, also by XXXX, whose reps were surprised it had been canceled. ( early XXXX ) Received 2 letters re autopay ( att ) : dated XXXX stating autopay automatically canceled, no reason ; and XXXX, stating could not be set up w/ draft date missing or outside grace period ; form is distinctly marked on due date ( attached )! Proves autopay still being processed 2 days before transfer ; cancellation was error processing update, not prep for transfer, and carelessly misread. XXXX ( apprx XXXX ) XXXX called, advised they are new mortgage company, XXXX & XXXX pymts not made to XXXX! I thought both payments had been auto paid, called XXXX for explanation. XXXX XXXX rep confirmed transfer, advised under 60 days late = no credit report, found XXXX request faxed XXXX. XXXX canceled because draft date was not listed or is after the due date, yet request marked on due date '' ( 1st of month ), said it made no sense, transferred to supervisor. 2nd rep ( 2nd dept ) said canceled due to account transfer, no credit report if under 60 days late, transferred to supervisor. XXXX supervisor XXXX stated : -Located autopay request, notes of 5 calls that autopay still in effect/being updated -Plan to transfer acct was posted XXXX, unk why no reps advised, -Unable to change delinquent status/reverse late fee, as no longer owned by XXXX -Understands missed payment from autopay cancellation w/ no advance notice -No other delinquencies, under 60 days = not reported -Advised law requires 60-day grace period on transfers -Will pull recorded XXXX call, confirm content, call to advise status ( never called ) XXXX : XXXX & XXXX payments made XXXX to new servicer, XXXX. Late fee waived, cant change status b4 transfer, XXXX grace period starts XXXX, not considered late by them for XXXX or XXXX. XXXX Third-party credit monitoring svc = delinquent report sent. XXXX : XXXX XXXX took dispute by phone, gave me XXXX dispute #. XXXX : XXXX XXXX advised unknown why I was told no reports if < 60 days, they report every 30 days, must email credit dispute '' research dept, sent XXXX. XXXX : Experian dispute result XXXX ( att ) shows XXXX corrected report by adding 30-day late notice for XXXX! Now shows 30 days late both XXXX and XXXX ; XXXX did not even own mortgage on XX/XX/XXXX, has no pymt records or legal standing to report! XXXX XXXX : XXXX escalations XXXX 37 min on hold, disconnected twice, transferring to supvr XXXX, XXXX new company sent XXXX report, I said no, reading from credit report, shows XXXX did XXXX with NO right/info to report, filed 3rd dispute. XXXX XXXX : XXXX XXXX took complaint, suggested I upload docs as PDF or mail to them, also submit dispute to XXXX, corrected middle name. Waiting for doc in mail to fwd to Cooper. XXXX XXXX XXXX XXXX XXXX ( XXXX ) : XXXX XXXX, XXXX XXXX XXXX, states late status XXXX & XXXX researched, are accurate. Clearly NOT researched, no longer owned by them and violates transfer grace period law! XXXX XXXX : XXXX XXXX advised dispute complete, XXXX response XXXX XXXX now shows XXXX & XXXX both 30 days XXXX! XXXX XXXX statement & 2 reps confirmed payment received XXXX via auto pay! XXXX XXXX : XXXX XXXX XXXX AZ ) advised fax number, they show XXXX & XXXX, not XXXX. XXXX XXXX XXXX confirmed my name corrected, report in mail, removed email ; XXXX XXXX XXXX advised in mail, still shows XXXX & XXXX. XXXX : XXXX dispute result XXXX shows XXXX & XXXX, not XXXX XXXX XXXX XXXX. XXXX : XXXX credit report of XXXX shows XXXX & XXXX 30 days late, emailed XXXX a detailed narrative with attached documents, demanding recision. Documents attached : XXXX aut py update XXXX Coop stmnt XXXX aut py cncd XXXX transfer notice XXXX Coop stmnt XXXX cant set up aut py XXXX XXXX response XXXX coop dispute research XXXX Exp response XXXX email to XXXX
Company Response:
State: CA
Zip: 923XX
Submitted Via: Web
Date Sent: 2023-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-31
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: 1. During Covid Mortgage Servicer XXXX offered me a Forbearance, which I gratefully accepted ; timely filled out requisite forms, executed ( and notarized ) a Promissory Note and XXXX to XXXX on XX/XX/XXXX XXXX. On XX/XX/XXXX a Partial Deed of Trust was electronically recorded on XXXX XXXX XXXX. 2.Upon expiration of the Forbearance period, XXXX representative contacted me, and encouraged me to apply for a " Loan Modification '' to lower my interest rate and monthly payment, while assuring me the process would NOT adversely affect my Credit Scores, further assuring me there would be zero adverse reporting to the Credit Bureaus XXXX 3. On of about XX/XX/XXXX Mr. Cooper ( formerly known as Nationstar Mortgage ) acquired the loan servicing, and I was contacted regarding the status of my Mortgage. When I explained I received a Forbearance, AND was in the process of a " Loan Modification '' I was told " not to worry '' that sometimes it took several months for the paperwork to be provided by the previous company. 4. The VERY FIRST inclination there was a problem was when XXXX sent notification my Credit Score tanked by XXXX points. XXXX. Despite providing Cooper supporting documentation, over the last 6 months, Mr. Cooper refuses to resolve the matter " there's nothing we can do, you should contact XXXX, they're the one who dropped the ball ''.
Company Response: Company believes the complaint provided an opportunity to answer consumer's questions
State: AZ
Zip: 85086
Submitted Via: Web
Date Sent: 2023-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-28
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: Mr. Cooper requires you to go online to fill out a request for a Payoff Quote. The process ends up in requesting you to either select that you will pay a {$20.00} " preparation fee '' and receive you quote in the mail in 4-6 business days, or you can pay a {$45.00} " expedite fee '' and receive it instantly over the web. This is completely absurd that they're allowed to charge a fee to simply state how much you need to pay them, and is a junk fee that the Biden administration wants to end.
Company Response:
State: CA
Zip: 92108
Submitted Via: Web
Date Sent: 2023-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-28
Issue: Trouble during payment process
Subissue:
Consumer Complaint: XXXX payed the amount reported by my mortgage company on XX/XX/XXXX. My mortgage company is still showing past due and is charging me past due charges. I want these past due Charges removed and I want the payments applied to my account properly.. payments made and not credited.. XX/XX/XXXX {$19000.00} XX/XX/XXXX {>= $1,000,000} XX/XX/XXXX {$32000.00} Mortgage number XXXX Right Path Servicing Attn Customer relations XXXX XXXX XXXX XXXX, TX XXXX
Company Response:
State: VT
Zip: 05401
Submitted Via: Web
Date Sent: 2023-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-28
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I received a letter from Nationstar Mortgage XXXX Mr. Cooper along with XXXX XXXX XXXX XXXX company that stated I was being recommended for foreclosure. I have no contractual obligation to either of these corporations and they have not supplied me with a True Request of the Accounting per UCC 9-210 and RI Gen Law 6A-9-210. Secondly, I reached out to my title insurance company to file an adverse claim against them due to me getting a notice of recommendation for foreclosure. Im getting billing statements from Rightpath Servicing who took over for Mr. Cooper but they are all Subsidaries of Nationstar Mortgage. Come to find out that Nationstar has not even been assinged the mortgage. As per the letter attached ... '' there was an assignment of mortgage to XXXX XXXX XXXX dated XX/XX/XXXX and recorded on XX/XX/XXXX. So that Means, XXXX XXXX XXXXXXXX assigned the Mortgage to XXXX XXXX Servicing on XX/XX/XXXX a year and one week ago today. If i was to go by my credit report from XXXX XXXX ... Pics attached..I would assume something completely different. Per my credit report my loan with XXXX XXXX XXXX was paid off..With the Account Closing on XX/XX/XXXX. The mortgage was then assigned to XXXX XXXX XXXXXXXX XXXX XXXX BUT THE TITLE COMPANY SAID XXXX XXXX XXXX ASSIGNED XXXX XXXX THE MORTGAGE ON XX/XX/XXXX, and FILED IT XX/XX/XXXX. But looking at my credit history, it paints a different picture. lets list the assignments : XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX. XXXX XXXX XXXX to Mr. Cooper : XXXX of XXXX XXXX. Mr. Cooper to Rightpath Servicing : XXXX of XXXX ( Mr.Cooper/RightPath/Nationstar ) are XXXX entity masquerading as separate servicers. Thats Five Servicers ... Five Assignments... BUT THE TITLE COMPANY STATED AFTER THEIR INVESTIGATION XXXX XXXX XXXXXXXX ASSIGNED XXXXXXXX XXXX THE MORTGAGE ON XX/XX/XXXX, and FILED IT XX/XX/XXXX. AND IM GETTING A THREAT OF FORECLOSURE FROM A PARTY WHO DOESNT EVEN HOLD THE ASSIGNMENT! ALL THE PROOF IS ATTACHED. THIS IS A VIOLATION OF ALL MY RIGHTS UNDER TITLE 15. AND LET IT BE KNOWN THE MASSACHUSETTS SUPREME COURT ALREADY RULED THAT BACKDATED ASSIGNMENTS ARE NULL AND VOID AND IM ATTACHING THE CASE WITH IT. AS I WAS A MASSACHUSETTS RESIDENT WHEN I FILLED OUT THE APPLICATION FOR THE LOAN. OH AND LET ME PUT THE DEFINITION OF APPLICATION HERE WHILE IM AT IT : Application means : the submission of a borrower 's financial information in anticipation of a credit decision relating to a federally related mortgage loan, which shall include the borrower 's name, the borrower 's monthly income, the borrower 's social security number to obtain a credit report, the property address, an estimate of the value of the property, the mortgage loan amount sought, and any other information deemed necessary by the loan originator. An application may either be in writing or electronically submitted, including a written record of an oral application. [ 12 CFR Part 1024 ( b ) ] that Application and Contract was with XXXX XXXX XXXX. Not XXXX, Not XXXX XXXX XXXX, Not Mr. Cooper, Not XXXX, Not Nationstar and I believe no evidence exist to the contrary if so prove it. Because the letter from the Title Company Dated today SAYS IT IN PLAIN LANGUAGE ... .THE CHAIN OF ASSIGNMENT IT BROKEN AND THERE CLEAR MORTGAGE FRAUD BEING PERPETUATED UPON ME!!!!!!!!!!! It is a fact that I have been receiving statements from XXXX XXXX, which include a coupon attached to them. I would like to clarify the definitions of these terms as per Black 's Law Dictionary, 8th Edition, to ensure a mutual understanding. The factual definitions provided are as follows : 1. Statement : A report issued periodically ( usually monthly ) by a creditor to a customer, providing certain information on the customer 's account, including the amounts billed, credits given, and the balance due. 2. Coupon : An interest or dividend certificate that is attached to another instrument, such as a bond, and may be detached and separately presented for payment of a definite sum at a specified time. It is a Notice of fact pursuant to 12CFR 202.2 ( b ) consumer credit is defined as ; credit extended to a natural person primarily for personal, family, of household purposes. Therefore, if pursuant to that same subsection credit means ; the right granted by a creditor to defer its payment, or purchase property or services and defer payment therefor, then I am the consumer of this transaction seeing that my credit card, also known as my Social Security Number, funded the account by means of accessing my open-ended credit plan. It is a Notice of fact there is a billing error pursuant to Regulation Z the determination of finance charge. Pursuant 15 USC 1692c ( C ) this herein notice in writing refusing to pay the alleged debt. 15 USC 1666b ( 4 ) The creditors failure to reflect properly on a statement. If I owe a balance, it should be in the negative, but it isnt, its clearly showing a positive balance. This is a billing error. Pursuant 19 CFR 149.3 there is an identification error. I did not need to provide a name and address, only a number to identify who was liable. The social security number is the liability. The bank is the reporter of record. The importer of the record is liable, I gave XXXX XXXX XXXXXXXX. the number making XXXX XXXX XXXX liable for the number. It is a Notice of fact, Pursuant Regulation Z subpart b 1026.13 a6 I request a reflection on a periodic statement of an extension of credit for which the consumer requests additional clarification, including documentary evidence. I requested documentary evidence on account ending. It is a Notice of fact Pursuant 15 U.S Code 44 includes all documents, papers, correspondence, books of account, and financial and corporate records which involve all derives, assignees, hypothecations in connection with my all-caps name. I require this clarification in order to address the billing error for {$74000.00} and any other additional charges. I need to clarify who funded the account and how much is owed according to the journal and ledger entries from the date of open of this account as described in IRS Publication 583. On the public and private side showing accounts receivable and payable. It is a Notice of fact Pursuant Regulation Z Subpar B 1026.13 d 1- Rules pending resolution. The consumer need not pay ( and the creditor may not try to collect ) any portion of any required payment that the consumer believes is related to the disputed amount ( including related finance or other charges ). The creditor or its agent shall not ( directly or indirectly ) make or threaten to make an adverse report to any person about the consumer 's credit standing, or report that an amount or account is delinquent, because the consumer failed to pay the disputed amount or related finance or other charges. A creditor shall not accelerate any part of the consumer 's indebtedness or restrict or close a consumer 's account solely because the consumer has exercised in good faith rights provided by this section. A creditor may be subject to the forfeiture penalty under 15 USC 1666 ( e ) for failure to comply with any of the requirements of this section. I am the beneficiary I wish to negotiate instrument being tendered on behalf of the interest of the United States with full faith in credit. The personal information on the record is inaccurate the accuracy is depended upon fair banking. I request that the record is corrected and granted the proper disclosures Pursuant Regulation Z Truth in Lending Act.
Company Response:
State: RI
Zip: 02895
Submitted Via: Web
Date Sent: 2023-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-28
Issue: Trouble during payment process
Subissue:
Consumer Complaint: 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: 2023-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-28
Issue: Trouble during payment process
Subissue:
Consumer Complaint: We have had this mortgage for a numerous of years and as soon as it was changed to Mr. COOPER We had a problem. We have NEVER had a late payment on our loans and we have had a number of them as we are XXXX XXXX XXXX. A few months ago somehow a payment was made from our XXXX XXXX with an incorrect number on it. Is would have been easy for them to contact us because our name was there in plain sight. Instead they sent the check back to our bank without contacting us. By the time we got the returned check it was about a month out. We started contacting Mr. Cooper and trying to figure out what happened. It took several calls just to find out why the check was returned. They didn't even tell us the problem until WE started calling them. We eventually figured out the problem and sent several payments to fix the issue. I tried reasoning with them to fix the credit reporting because they can plainly see we are great customers with NEVER a late payment. They didn't care! OUR CREDIT WENT FROM AN XXXX TO A XXXX BECAUSE THEY COULDN'T BE BOTHERED TO CONTACT US WHEN A CLERICAL ERROR WAS MADE ON A XXXX XXXX PAYMENT. THEY WAITED UNTIL IT WAS A MONTH LATE TO START CONTACTING US! I HAVE TRIED SEVERAL TIMES TO SPEAK WITH THEM TO FIX THE CREDIT REPORT AS THEY CAN SEE WE HAVE ALWAYS BEEN GOOD CUSTOMERS BUT NO! THEY REFUSE. IT SEEMES LIKE A SCAM TO ME. T E R R I B L E C O M P A N Y
Company Response:
State: NC
Zip: 27407
Submitted Via: Web
Date Sent: 2023-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A