Date Received: 2023-07-18
Issue: Incorrect information on your report
Subissue: Information is incorrect
Consumer Complaint: I was late on my mortgage for a few months. The months that I was late was reported on my credit as delinquent for those specific months. Now Im on a forebearance paying back what I owe spit into XXXX months and paying my regular mortgage. Although those months have already been reported delinquent, they are not giving me credit on my credit report for my current regular payments that I have been making since XXXX of this year. They are still reporting as delinquent.
Company Response:
State: GA
Zip: 30238
Submitted Via: Web
Date Sent: 2023-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-18
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I am in bankruptcy and Mr cooper my mortgage company has been screwing up my life since before I was ever in bankruptcy. I missed a month and a half on my mortgage payments, the month and a half I missed was on XXXX and XX/XX/2023, I missed a full month in XXXX and half a month in XXXX and now they have filed a motion hearing for XX/XX/2023 for I think its called a motion to stay so they can take my house. I do not receive any mail from them because they have to Send it to my bankruptcy trustee apparently. I didnt even know there was a hearing until a week prior to the hearing date and the only reason I found out was because I called in to get a mortgage statement and a lady asked me if I knew about the hearing coming up, which I didnt and I also couldnt get a simple mortgage statement from them. My mortgage payment is {$790.00} a month. I could be a few dollar off on the monthly payment but thats just about accurate. I am being so mistreated as a veteran who served this country and Im trying everything I can to keep my home and pay my monthly payments. They also held my money from me that my insurance company sent for me to fix the roof on my house because I had storm damage, my roof is now exposed and inside of my house is leaking because they wont release my funds for me to fix my roof. There are so many things I could put in this complaint but Id rather explain it to whomever I am reporting it to because I cant type it all, my phone number is ( XXXX ) XXXX. Thank you, XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: KY
Zip: 422XX
Submitted Via: Web
Date Sent: 2023-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-19
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I tried to pay my mortgage payment for XXXX, and what is past due and could not get through, the a couple weeks later i recieve a bill from another mortgage company, stating my mortgage has been increased by {$300.00} and that i was close to foreclosure. This is the first time i heard from thee people. I tried to call my mortgage company today and this is the first time i heard that my mortgage had been transfered
Company Response:
State: IN
Zip: 46614
Submitted Via: Web
Date Sent: 2023-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-17
Issue: Trouble during payment process
Subissue:
Consumer Complaint: To Mr. Cooper I am writing this letter to explain my unfortunate set of circumstances that have caused me to become delinquent on my mortgage. I have done everything in my power to make ends meet but unfortunately, I have fallen short and like you to consider working with me to make this appeal a reality. Around XX/XX/XXXX I called Mr. Cooper call center to make a payment, the young lady at the call center stated that she could sign me up for the XXXX COVID 19 Forbearance Plan and this would delay me from making payments for three months, and she stated that she could accomplish this over the phone, and that I was approved. This action was very wrong, and this put me Three Months behind. After making payments and seeing the wrong amount on the statements, I called Mr. Cooper and the call taker stated what the other call taker did was very wrong. She then got me started on the correct paperwork. Now for the next three months I was under the correct XXXX COVID Forbearance Plan. I thought this would clear up the three months behind, but it did not. XX/XX/XXXX the adjustment on the three months behind statement had not changed and a Foreclosure by XXXX XXXX XXXX XXXX XXXX had been started. I called Mr. Copper and ask Loan Specialist XXXX XXXX what I could do about the foreclosure, he told me about the Affordable Modification Program, he then sent me the paperwork, I applied for it and was approved. XX/XX/XXXX Payment was made XX/XX/XXXX XX/XX/XXXX Payment was made XX/XX/XXXX XX/XX/XXXX Payment was made XXXX XXXX XXXX XX/XX/XXXX Payment was not cause the young lady at the call center stated that I was caught up and no payment was needed. XX/XX/XXXX Payment was made XX/XX/XXXX XX/XX/XXXX Payment was made XX/XX/XXXX XX/XX/XXXX a Payment could not be made could the call taker would not let me make a payment, she stated that I could not make a payment online, over the phone or mailing. I have called twice a week since then with the same response.
Company Response:
State: GA
Zip: 30233
Submitted Via: Web
Date Sent: 2023-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-17
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: mr cooper all im asking from is for you guys to show compassion to me everything im telling you is truth i made up amount due as soon as i found out what was going on i understand your stance as well im just asking you guys to show compassion in this case my credit file fell over XXXX points due to this if you guys show compassion i agree this will never happen again please see my plight thabks ive been a good customer made all my payments got it on autopay what else can i do
Company Response:
State: IL
Zip: 60622
Submitted Via: Web
Date Sent: 2023-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-18
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: We have owned our home since XXXX and refinanced into an FHA loan in XXXX that is now through Mr. Cooper. We are very concerned with the way that they have handled the servicing of our loan as they have started the foreclosure process against us and assigned an Attorney to come after us. We ALWAYS paid our mortgage on time until we had major health issues related to XXXX and after effects of a XXXX. This started a snowball effect where we struggled to get caught up. We tried to reach out to Mr. Cooper multiple times to see if there were any programs to help our family skip payments or make partial payments or be considered for any type of homeowner assistance programs but were repeatedly told no, sorry, nothing we can do to help. This is outrageous and wrong because we have an FHA backed government loan, and as a servicer of this loan Mr. Cooper is required to provide access to all distressed homeowner options and they did not do this, they told us there was nothing they could do and then started foreclosure proceedings. My husband has a good job with XXXX XXXX on the XXXX XXXX and has worked there for 25 years. I have worked in education for 21 years and as a XXXX XXXX for the last two years. We never had a problem making our payment until my husband had an emergency medical event during a routine XXXX. This led to a weeklong hospital stay followed by XXXX followed by XXXX. We lost over a month of his income as well as staggering medical bills and major car repair emergency and were struggling but still making mortgage payment. I began calling Mr. Cooper at that time ( XX/XX/XXXX ) to see what types of programs may be available for our family. This financial struggle was XXXX related and as a servicer of an FHA loan I was under the impression that Mr. Cooper was supposed to offer us assistance such as a forbearance due to XXXX. But this did not happen. I continued to try and make the mortgage payment but finally had to begin making partial payments late XXXX and early XXXX. Once again I contacted Mr. Cooper to see if there were any programs available for struggling homeowners with FHA loans and again I was told sorry. At that time XX/XX/XXXX we were told that Mr. Cooper would no longer accept partial payments and we were not able to make the payment for 3 months. To make matters worse my husband was laid off from his job in XX/XX/XXXX, although we were blessed that it was a temporary situation and he is now back at work. At this time Mr. Cooper has told us they refuse to accept payments unless we reinstate in full. We received a letter from XXXX XXXX XXXX XXXX XXXX who said they are coming after us and Mr. Cooper also sent us a letter that we are going into foreclosure. This should not be happening, because we have an FHA loan and from my understanding Mr. Cooper is required to consider us for all homeowner assistance programs including partial claim, recapitalization of delinquent payments, loan modification or repayment plan. We were told repeatedly that none of these options were available.
Company Response:
State: IN
Zip: 460XX
Submitted Via: Web
Date Sent: 2023-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-17
Issue: Trouble during payment process
Subissue:
Consumer Complaint: This is something else entirely. I had an insurance policy. This carried over when the mortgage transferred to a new company. It DID NOT with Mr. Cooper. They have not paid the insurance and it has now been cancelled. I have received notice from Mr. Cooper that they will seek their own insurance policy which could mean a higher payment.
Company Response:
State: ND
Zip: 58801
Submitted Via: Web
Date Sent: 2023-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-16
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: mr cooper wont see it my way just do everything they want in the first place how can you say my payments were lare they were made as always and you guys accepted them instead of returning them to XXXX which would of gave me idea payments were messed up but you guys kept accepting payment from me instead of sending them back wgich would of gave me a inkling to problem that was happening you accepted monthly payment every month instead of saying no not enough. i made my payment like clockwork till i got a letter in may which made me up money which i thought was overdue taxes tp make amount you wanted for may.the exces amount was not due till XX/XX/XXXX which means you got what you wanted payed to you guys ahead of time.the amount that was past due was on account which i pay ahead of time and you got mothly amount due payed ahead of time.
Company Response:
State: IL
Zip: 60622
Submitted Via: Web
Date Sent: 2023-07-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-14
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: mr cooper look at what you just sent me asto resolution of this matter a statement dated XX/XX/2023 which when i got i paid imediatly i paid more before that in XXXX when i taught it was overdo tazes which you guys put on account but didnt make the amount you guys wanted till i got the bill in XXXX i had no idea what was going on i taught it was taxes and tried to pay mid XXXX which i get no credit for
Company Response:
State: IL
Zip: 60622
Submitted Via: Web
Date Sent: 2023-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-13
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: mr cooper is both identfied wrong on my credit file it should br mr cooper not XXXX the correct listing is mr cooper and amount owed is wrong i owe XXXX not {$85000.00} they have listed so me missing payments are somebody fault there not mine do what you have to thanks
Company Response:
State: IL
Zip: 60622
Submitted Via: Web
Date Sent: 2023-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A