Date Received: 2023-07-27
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I initially applied for homeowners assistance program, and they were taking long to resolve the issue and the mortgage servicer Mr. Cooper offered a loan modification and so I agreed but a few days later the assistance program was able to pay the remaining balance. I called Mr. Copper several times, and emailed them to cancel the modification and it still has not been canceled. I have not been able to see my account, nor have they generated a new analysis so that I can see my account. Attached is the only thing I could see since XXXX.
Company Response:
State: TX
Zip: 77338
Submitted Via: Web
Date Sent: 2023-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-27
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: Been trying for the last 1 and a half years to complete successor in interest and assumption of loan on my home, and remove my " ex '' from the loan. I dont know why Mr Cooper too so long to acknowledge me as successor? I had to ask XXXX XXXX to help and they finally got Mr cooper to send me the right papers and complete this after 1 year. Thank you Lord! XXXX, i filed all my papers for the assumption on XXXX, and it was not acknowledged until XXXX. I have continued to call every few weeks, once a month and it is at 3 full months. I have been told each time that I call that someone will follow up with me soon, that they have all they need on the loan and that its at final " cost '' numbers, and also at " funding? '' but have never spoken to anyone. After 1 year fighting for successor and despite the new CFPB rules for successor, Mr Cooper has put me off this far again! Please help. XXXX XXXX XXXX XXXX XXXX
Company Response:
State: CA
Zip: 93705
Submitted Via: Web
Date Sent: 2023-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-27
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: On XX/XX/XXXX i tried to pay my mortgage, but since this is my last payment the website doesnt allow me to make the last payment of XXXX. The website will only allow me to pay XXXX i make a payment in this amount and then call RightPath servicing to find out what i need to make a final payment. The phone rep says i can pay only with a certiefied check or by wire since that is company policy. When i ask for the payoff amount I am told i can have it immediate for {$25.00} dollars or it can be mailed at no charge. I choose mail and ask what will happen to the payment i made. the rep says it will be rejected because it is lower then the normal monthly payment. The final payment total is available online on XX/XX/XXXX in my account documents. i send the amount of XXXX by wire that morning. On XX/XX/XXXX the payment of XXXX that i was told would be rejected is withdrawn from my account leaving my checking overdrawn by {$580.00} dollars. My wife and I both call RightPath servicing and are told there is nothing they can do at this time until it clears and then we can send a statement from my bank so we can recover our money.
Company Response:
State: CT
Zip: 06614
Submitted Via: Web
Date Sent: 2023-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-28
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: Our records indicate that the subject mortgage loan transferred from XXXX XXXX XXXX, XXXX. ( XXXX XXXX XXXX ) to Nationstar Mortgage, LLC d/b/a/ Mr. Cooper effective XX/XX/XXXX. At the time of transfer, the account was past due for the XX/XX/XXXX. On this date is considered extorsion, violation of my civil rights, vialation of respa and regulation X. resolution letters dated XXXX XXXX, XX/XX/XXXX, and XX/XX/XXXX from this company violated regulation X, respa, civil right, and extorsion for falsified home loan documents. active foreclosure and subsequently sold on XXXX XXXX violated respa, regulation X, my civil right, for falsified home loan documents, Failure to comply with federal regulations, failure to comply with respa, failure to comply with regulation X, failure to comply with civil rights law, extorsion of money for a falsified home loan payments, falsified foreclosure, failure to comply with multiple federal lawsuits, and threatening people for falsied mortgage documents, illegal legal action in a court on XX/XX/XXXX filing and exicution with a threat to sign or go to jail on XX/XX/XXXX. Cfpb control numbers that violate respa, regulation X, and civil rights laws i am providing here due to the failure of complying with them and failure to investigate the matter. The only thing that was done was theft of property by extorsion and falsified home lon documents on a terminated company 14 year prior to what was provided and on file in XXXX. And legal theats by nation stars lawyers for falsified mortgage loan documents that clearly i have shown there wasn't on period but your company keep insisting there was on till you illegally took and i was threated to sign and not contest in a court of law while violating a federal lawsuit on this matter. Also according to the real estate apprasial card at that time it shows that your company forced a illegal judgement to be signed on a falsified statement and falsified home loan documents when there wasn't a loan period to begin with. Any resolution that has been provided or will be provided right now with the same statement is a violation of my civil right, regulation X and respa period. Any lawyers letter will be reported as a volation of whistlenlowers protection act, civil right, respa, regulation X period to cover and conceal falsified documents and statement from the united states goverment and the multiple lawsuits that were violated. Ever CFPB number i am providing is a direct violation of respa, regulation X, my civil right, and the laws of the iunited states government period i am providing and multiple lawsuits as well in this matter. Yoer company clearly doesn't investigate anything at all and just answers without any investigation by saying it did and not look at any documents provided but concide every complaint a duplicate when you ignore it to provid a false resolution that violates respa and any regulation x plus any other state and federal regulation. And to stop a complaint you just give a falsified resolution to cover up your lies with out actually looking at the documents because it is perfectly clear every time i have made a cfpb complaint since XX/XX/XXXX on this matter not documents have been looked at for any of you resolution ever just a statement saying it has been handled when clearly it hasn't and your company keeps violating respa, regulation x. and the freedon of information act with all your resolutions
Company Response:
State: TN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-26
Issue: Trouble during payment process
Subissue:
Consumer Complaint: XXXX made an incorrect insurance payment to the wrong account back in XXXX and also paid my correct insurance payment. my insurance company could not refund the money because they did not service that account. I have called several times to rectify the situation I would ask for a manager they would say theyre not available and that I would get a call back ( I never received call backs ) I was told that they corrected the account and I would get a corporate advance in the next 7 to 10 days and then when I would call to check on it, it was never done.
Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers
State: FL
Zip: 32773
Submitted Via: Web
Date Sent: 2023-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-26
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: Payments for mortgage / loan are based on the average of the XXXX XXXX offered rates for six month US dollar. I am requesting reference and information how this loan is calculated from XX/XX/XXXX to XX/XX/XXXX I am requesting information how this loan is calculated from XXXX XXXX XXXX to XX/XX/XXXX. XXXX rates XX/XX/XXXX are 5.43000 % And on XXXX is 5.85951 %. Why I am charged 8.750 % now for next 6 months And for last six months 7.750 % Where Mr Cooper is obtaining information about rate for XXXX Please provide all explanations.
Company Response:
State: CT
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-25
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I am trying to make the last payment of my mortgage but the company doesnt accept payment thru the website for the last payment, only wire transfer or certified check.
Company Response:
State: CT
Zip: 06614
Submitted Via: Web
Date Sent: 2023-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-25
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: We would like to file a complaint against Mr. Cooper and XXXXXXXX XXXX XXXX. We have been fighting to save our home since XXXX. We are now in the process of moving out of the home we have lived in for 25 years as XXXX Mortgage is evicting us. We are sending along email chains trying to resolve this going back to XXXX. Both Mr. Cooper and XXXXXXXX XXXX gave uis completely different answers each time we called and spoke with represenatives on how we could keep our home. At one point, a representative for Mr. Cooper laughed at us for trying to resolve this. XXXX did make an offer for us to buy our home back for {$250000.00} after it was foreclosed on but it it pretty much impossilbe to get a mortgage with a foreclosure on your credit report. We did try but were unsucessful. Why would they offer for us to repurchase? We absolutely do believe that several things were done incorrectly. We also received notice ( attached in the email chains ) after the sale date that XXXX XXXX had rescinded the forelosure. At that point we tried to work with XXXX to save our home. We were told by their representatives over the phone that we qualified for a loan modification. After several phone call, this never happened. It does not seem like any of the reprentatives we spoke with at both Mr. Cooper and XXXX have any idea what they are doing. We completely understand that we fell behind on our mortgage. We made several attempts to find a solution so that we could remain in our home. Then COVID happened and attempting to get any kind of help from Mr. Cooper was impossible. We could not even reach someone by phone. We offered to Mr. Cooper to bring our loan current before the sale date and were denied. So as of today, XX/XX/XXXX we are preparing to move out of the home that we built on land given to use by my husbands parents. We have fought long and hard to come to some sort of resolution to remain in our home but it has fallen on deaf ears. It is very sad that big companies like Mr. Cooper and XXXX are doing this to homeowers. From all our researching we are well aware that we are not the only ones this has happened to. XXXX & XXXX XXXX
Company Response:
State: CT
Zip: 063XX
Submitted Via: Web
Date Sent: 2023-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-25
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Mr Cooper has misapplied a payment I have made, this is my second time opening a CFPB complaint with them over this after they sent me a response claiming that they could not do anything about this because they sold my mortgage to XXXX, which I found out to be a lie. I have now been reported as delinquent to credit agencies effectively destroying my credit. Here was part of my original complaint in quotations : " I have been in the middle of a loan modification over a covid forbearance plan i was on, during the modification Mr. Cooper my loan servicer did not apply a payment correctly, this was corrected and I was sent documents to sign while I was on vacation with no notice of this. When I got back I called Mr Cooper and they told me it was OK as long as they are sent by the end of the month, which they were. My modification documents were received on time ( admitted in a recorded call by Mr Cooper ) and they told me to wait and do not pay for the month of XXXX yet. I waited and called again and they stated on a phone call also recorded by the company that they were sending new documents to resign and be patient. I continued to wait into XXXX when I called again, I was told to continue waiting. Eventually on XX/XX/XXXX I called again and was told that there are no new documents and that I need to just make the XXXX and XXXX payments for the modification to finalize. I made a payment to that representative for {$3000.00} as shown in my bank statement attached, in a recorded call again by the company, to go to the XXXX and XXXX payments. Days later my mortgage was transferred to XXXXXXXX XXXX XXXX. Now XXXX XXXX XXXX displays my XXXX payment as missed and are threatening to put me in collections. I had a three way conversation with Mr Cooper and XXXX on XX/XX/XXXX, recorded by both companies, to which I was told after an hour of the Mr Cooper representative looking into it that it clearly was paid but not applied, that it was instead applied to " bookings '' and that I should just pay the XXXX payment. Since all of this I have submitted a complaint against Mr Cooper to the CFPB which Mr Cooper did nothing about but pass blame on to XXXX. XXXX acknowledged this issue multiple times in many calls over the past few months, I have been told on multiple recorded calls that the problem will be taken care of only to recieve a call from XXXX a week later saying that I'm still behind. XXXX now claims this issue is on Mr Cooper which it clearly is because they are the ones who messed up the accounting. " Mr Cooper as, now shown in their previous response, has applied the XX/XX/XXXX payment to the XXXX of XXXX payment, when I was under the CARES act forbearance. Mr Coopers claim that they can not do anything about this does not put them off the hook for their responsibility. They made this mistake and are responsible for fixing it regardless of their so called ability to do so, as according to RESPA. The attached file is Mr Coopers previous answer to me with all the misapplied payments detailed.
Company Response:
State: PA
Zip: 18360
Submitted Via: Web
Date Sent: 2023-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-25
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: I have had a mortgage since XX/XX/XXXX initially with XXXX XXXX XXXX who acquired the loan from a predatory lender. I was with XXXX XXXX XXXX from XXXX until XXXX at that time XXXX sold the loan to Mr. Cooper ( NationStar ) ; my credit report has been absent of any payments made on this account since it was transferred to Mr. Cooper NationStar. Therefore, if I try to obtain any mortgage refinance or looking to obtain credit for paying my mortgage on-time, this information is not noted.
Company Response:
State: VA
Zip: 20169
Submitted Via: Web
Date Sent: 2023-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A