Date Received: 2023-07-13
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Company started misapplying trustee payments in 2018 I tried to get the 200 % annual escrow balance fixed as payments are split from whole payment to P & I and escrow. I wanted the overage applied to payments. They denied errors, while their own records show overages for 4 years. In fact because XXXX XXXX got the trustee payments and Cooper collected monthly payments Cooper lost all of my trustee payments. This caused 2-3 unneeded additional agreed arrears being added to my plan payments, then a dismissal. I was charged for BPO and recived a copy. They were going to foreclose on me even when I had a grant they would not even consider the possibility there was error. But there was. I deserve compensation for these actions attached more detail
Company Response:
State: WI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-13
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I have spent the last 2 years trying to get a loan modification through my current mortgage holder Mr Cooper. I have been stuck in a non stop repeat cycle, I fill out all paperwork and gather all documents requested, follow up and am told they have everything they need, then the next week I follow up the person that tells me they received everything is no longer available and that Im missing documentation that I confirmed they received the previous week. I then resend everything that Ive already sent and call to follow up and they say my application has expired and I have to start the process over again. After about 12 times of doing this I got fed up and complained and was transferred to the escalation department who tell me they will be my single point of contact and then they do the exact same thing, tell me they have everything they need and then the next week Im dealing with a new person once again telling me to start all over again and my single point of contact is never available or heard from again. Ive put in 9 requests in the past 3 months for a supervisor to contact me and not once have I been contacted by a supervisor. The last attempt I finally was able to get it sent to the underwriter but Mr Cooper Mortgage didnt include income that they requested and I sent and was confirmed it was sent. I then spoke to XXXX XXXX who told me all I had to do was send in an appeal letter and more check stubs from my wife. The next week I confirmed XXXX XXXX had everything she needed to which she agreed and stated she would follow up with me weekly. Then once again XXXX XXXX is not available just like my previous 5 single points of contact and XXXX speaking to someone new telling me I have to start the entire process over again. I truly believe this company has no intention whatsoever in attempting to do a loan modification and are following a script to keep customers in a never ending cycle until they can sell home out from under us.
Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers
State: TN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-13
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Hello. On XX/XX/2023 I closed on a home and sold it to new buyers without any issue. Prior to close, I had a mortgage with XXXX XXXX. At the time of close my loan with XXXX XXXX was fully settled and moved over without issue to the new buyers. Unbeknownst to me ( because it was not relevant to me ), the new buyers of my old home were working with Mr Cooper for their new loan. On XX/XX/2023 an automatic withdrawal of {$2900.00} was taken from my checking account with my knowledge or authorization via Mr Cooper. I am not a customer of Mr Cooper 's, never set up an account with Mr Cooper, never enrolled in auto-pay with Mr Cooper and fully settled my loan for this property at close with XXXX XXXX XXXX I have since been in contact with Mr Cooper multiple times requesting a refund and demanding an explanation for why they were able to withdrawal money from me ( a non-customer ) without my consent for a loan I was not responsible for. Today I was again promised my money back with a rep on the phone but I am a month out from when I began this process. There are financial implications for me -- lost interest, etc -- - in addition to the absurdity that they were able to access my checking account. I am at a loss for how to proceed and am simply stuck waiting, hoping they return the stolen funds.
Company Response:
State: MN
Zip: 55105
Submitted Via: Web
Date Sent: 2023-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-14
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: This complaint is concerning the joint actions of individuals to exploit a single financial contract originated in XXXX by XXXX XXXX Bank XXXX recorded and identified as # XXXX in XXXX XXXX XXXX XXXX of the XXXX XXXX Georgia XXXX XXXX XXXX These individuals and entities deliberately ignore the multiple ways this transaction is completely void and uncollectible. Without rehashing the 17 year history of fraud and exploitation linked to this one single transaction that can and has been tracked and documented, I will state the key points that make the identified transaction void and uncollectible. Conformation of Rescission received at XXXX on XX/XX/XXXX This transaction has been fully paid multiple times. At no time has any servicer or representative sent a letter or request for payment on loan # XXXX, yet this is the deed being presented as being in default. -Seterus demanded payment on loan # XXXX Seterus was made to surrender their mort. License for their fraudulent mortgage servicing files and practices. -Nationstar d/b/a Mr. Cooper demanded payment on loan XXXX XXXX Mr. Cooper is currently under consent orders again for a list of indiscretions too long to list, all mortgage related. XXXX XXXX sent letters demanding payment on loan # XXXX First, the identified transaction # XXXX was lawfully rescinded XX/XX/XXXX XXXXXXXX XXXX ( per Georgia and Federal law ) confirmation of delivery retained and all parties involved in this scheme have full knowledge of this fact. Transaction # XXXX was but 1 of 2 transactions rescinded to terminate the failed agreement with XXXX in XXXX. Notice is all that was required with XXXX in XXXX to terminate the contracts. Tila Rescission is a statutory law to provide a private, non-judicial process to rescind mortgage loans. This is no secret to those addressed in this complaint. Rescission may create a controversy and in this case XXXX could have filed suit to have a court settle any alleged controversy in XXXX, but XXXX did not. Secondly, The Security Deed and related NOTE identified by transaction # XXXX recorded XX/XX/XXXX in XXXX XXXXXXXX XXXX XXXX has been fully and legally satisfied by payment being received and applied to the transaction on XX/XX/XXXX in the amount of {$130000.00} ( {$130000.00} in Principal and {$4100.00} interest ) leaving NO remainder. In XXXX Foreclosure states servicers have no fear of ignoring the statutory law of rescission. Payments become extortion, if you don't pay, they foreclose. The transaction history sheet of loan # XXXX from XXXX has been provided to Seterus, Nationstar d/b/a Mr. Cooper, and the law offices of XXXX XXXX XXXX XXXX as they presented themselves to be representing XXXX XXXX, the servicer of a trust by the name of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tracing the most recent bogus chains of title we start with the fabrications of Seterus Inc. with the aid of XXXX. Seterus presents as a servicer for XXXX XXXX and demands that I pay on Loan # XXXX. Immediately, I got successive letters from Seterus denying a request that I never made, because I had no affiliation at all with Seterus. I asked Seterus to verify this debt and loan # XXXX they were demanding payment for and they sent a copy of the deed recorded and identified as Loan # XXXX, which is the deed and note I have record of as being fully paid. After 10 years of refusing to file the cancellation of # XXXX XXXX records two successive assignments to facilitate the attempted theft of my property by Seterus Inc as the servicer for XXXX XXXX Unfortunately, transaction # XXXX with all of its flaws and fabrications was bundled and sold to XXXX as a whole loan transaction XX/XX/XXXX. The absence of transparency in the mortgage industry hid the knowledge of XXXX having purchased the bogus transaction from me until about XXXX. Once I was aware of XXXX involvement from that point forward I maintained direct dialogue with XXXX to gain information pertaining to what took place with the transaction. This is reason # 1 why XXXX did not acquire this transaction through its purchase of some of XXXX assets. XXXX was kind enough to send written confirmation of their purchase date and at most XXXX would have only been a servicer if the contracts had not been rescinded. My primary work was with the Treasury ( IRS ) since the XXXX and during the early and mid XXXX I was also a licensed Georgia Realtor and working as XXXX on a team tasked with addressing the concerns of laws enacted to shore up the housing market and the economy. XXXX XXXX XXXX XXXX had a limited POA that was no longer valid when XXXX filed those unlawful claims of ownership that contradict XXXX claim of ownership of transaction # XXXX. XXXX direct became the only reliable source of information pertaining to transaction # XXXX and its true history. I requested the complete loan file to audit and was shocked at the ridiculous information that was submitted on the loan application and that was supposed to have been completed by me and obviously was not. I knew the information from Seterus Inc was absolutely false. However, I needed current confirmation of no balance owed to XXXX XXXX since Seterus Inc. says in their correspondence that they are collecting on behalf of XXXX XXXX The loan was unknown to me and unrecorded. XXXX XXXX was kind enough to research not only the XXXX account number and XXXX recorded number ( XXXX ) that was associated with the aforementioned Deed in question, they also searched for the alleged loan number of Seterus Inc. ( # XXXX XXXX and there was nothing to be found. Then we requested a search using the property address and no debts of any kind related to the property address of XXXX XXXX XXXX XXXX XXXX GA XXXX were found. XXXX XXXX stated and confirmed they had no interest in my property. I provided a very long list of correspondence and contacts from prior years that contradicted what Seterus Inc. was claiming to support my claims of wrongdoing being done in the name of the XXXX and a XXXX supervisor was quite willing to assist me. The harm of Seterus Inc. and others creating loan numbers at will, can be found in many cases and not just mine. For example, a case was presented to me where another Georgia family was threatened to be taken to the courthouse steps three times while Seterus Inc. was acting as a servicer for XXXX. The recorded deed and note were full paid. The Court ordered the filing of the cancellation of the Deed. Yet, the family was driven to court multiple times thereafter to put a stop to the sale of their home by foreclosure. These so called servicers were represented by law firms acting as debt collectors. None of these alleged loan numbers have a loan file to support them nor can it be reasonably assumed that the bogus loan numbers are cross referenced with the actual recorded deed or account as all accounts would reflect the full paid status. I have spent more than 25 years working with cross referenced systems. Servicing accounts is not the goal evident here, rather the liquidation of assets is what is in view. There is no due diligence and the parties already are aware of the non-viability of most of these transactions. Seterus Inc. knowingly participated in filing false documents against my property attempting to defraud by misrepresenting that they were acting on behalf of XXXX which XXXX denied. Nationstar Mortgage d/b/a as Mr. Cooper mails me letters stating that the servicing of the loan ( I did not have ) with Seterus Inc. has now been transferred to Mr. Cooper to collect for XXXX XXXX. Then Mr. Cooper demands payment on loan number # XXXX. Another loan number and another misrepresentation of collecting for XXXX XXXX. During the pandemic and after documentation had been sent to Mr. Cooper this company tried to list my property for sale on a non-public online foreclosure auction site and a realtor did not find any other public notice of the sale. I was in the hospital and a law firm was participating in that scheme XXXX XXXX XXXX Mr. Cooper conspired and did cause to be filed in the XXXX XXXX Ga XXXX XXXX XXXX false documents. I provided documentation to Mr. Cooper more than once and they were to verify and contact me back and the next thing I get is a letter from XXXX XXXX XXXX sent a letter through the mail stating that the servicing of the loan that Mr. Cooper 's claim for XXXX was now transferred to XXXX XXXX. Then a week or so later I was informed the alleged loan was now owned by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX presents themselves to be the servicer for XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX. XXXX further claims the XXXX they are servicing purchased loan number # XXXX from Mr. Cooper. The loan that Mr. Cooper claimed to be servicing for XXXX XXXX that XXXX has no knowledge of. XXXX XXXX is sending letters now demanding payment on XXXX # XXXX. There are no recorded transactions linked with that number either. Multiple times have I furnished the same information to XXXX as I have with the other listed above. I have been promised call backs and none are received. I have been given the name and title of specific individuals who are to receive the information only to find out when I call back for a status that no one knows the individuals and the specialized department is apparently fictitious. XXXX XXXX is the name on a form letter and she is supposed to be a member of XXXX XXXX XXXX XXXX. The contact number for this person goes to an individual that may have been at home and had never heard of the XXXX XXXX Team. Then there is the XXXX XXXX the Ombudsman that no one knows and another fake position no representative is aware of. The representatives state quite freely that they buy mortgages in bulk and they can not verify the transactions and that they dont have too. XXXX XXXX letters state that they are a debt collector and they do not verify the debts although due diligence is a requirement, but most certainly when it is brought to their attention that there is an error they should make the effort. XXXX XXXX engaged the law firm of XXXX XXXX XXXX XXXX to aid them in foreclosing on my property. XXXX XXXX had me following endless trails to nowhere waiting for the information to get in specialized hands that apparently could not be found. This began with XXXX in XXXX. While XXXX had me pursuing and waiting for ghosts, XXXX hired XXXX XXXX XXXX XXXX to liquidate by foreclosure. I had a family member that XXXX XXXX XXXX XXXXXXXX went into hospice and died shortly thereafter. The week following the funeral and still no response from XXXX, I took documented proof directly to the offices of XXXX XXXX XXXX XXXX at the direction of XXXX XXXX. We recorded what was in the envelope and delivered it directly to the law office hired by XXXX. When I entered their office they authenticated my identity and asked for the last four digits of my SSN. The staff was quite welcoming until I stated the error that was about to take place and that their client was not responding to information that had been provided. XXXX XXXX XXXX XXXX told me they can not accept any information from me in their office, however their debt collection letter to me stated no specific process. I was told I would have to send documents by fax or email to a specialized team. This person has authenticated my identity and understands that her law office is planning to foreclose on my paid for home in the matter of less than a week. Why did the person not forward the documents to the appropriate person or team within her law firm? She verified my identity. Having no options other than another potential runaround and delay. I left the information with their office that verified no balance and the fact that transaction # XXXX was rescinded in XXXX and I know that the law office of XXXX XXXX XXXX XXXX knows the statutory law of TILA Rescission. This file was left in their office at XXXX XXXX XXXX XXXX, GA XXXX on XX/XX/XXXX approximately XXXX XXXX after a 20+ minute visit and was also emailed to said specialized team. XX/XX/XXXX XXXX XXXX XXXX XXXX conducted a public auction on the XXXX XXXX courthouse steps late in the afternoon, hours after a morning auction by XXXX wherein they had another property auctioned off. Someone would show up at my home XX/XX/XXXX with a notice to post on my home dated the day of the sale XX/XX/XXXX. This young man stated he worked for the company XXXX XXXX XXXX XXXX XXXX XXXX ) that purchased my home for foreclosure. I informed him that was not possible because there was no balance owed on my home and that there is an error and he stated that XXXX XXXX will rescind as it happens quite a bit and that his employer would get their money back. Although, the young man stated that there was no foreclosure deed filed or provided he was attempting to post something on my door. XXXX XXXX XXXX XXXX failed in due diligence to verify the alleged debt. Conclusions XXXX XXXX mailed me letters demanding payment on Loan # XXXX XXXX claims trust purchased loan from Nationstar d/b/a Mr. Cooper Mr. Cooper mailed me letters demanding payment on loan # XXXX as Servicer for XXXX Mr. Cooper mailed letters stating service transferred from XXXX XXXX on behalf XXXX XXXX XXXX XXXX mails me letters demanding payment on loan # XXXX as Servicer on behalf of XXXX None of these loans have I entered into. XXXX extorted over {$210000.00} out of me. XXXX has a very long history of complaints of people waiting for and petitioning congressional reps about delaying and refusing to file cancellations of deeds in county records, most especially those tied to suites and settlements. I have not read a single deed or note that stipulates that the homeowner agrees to pay additional or any amount towards an unknown unrecorded account. Not one alleged servicer, alleged owner, or attorney has sent a letter requesting payment on the only recorded loan # XXXX. They are aware that it is uncollectible having been rescinded and more than fully paid. XXXX XXXX even stated they could not accept a payment with loan # XXXX on it. There is no possibility of a default on loan # XXXX if no one has requested a payment on that loan Power of sale clause in a deed that is not in default can not be exercised. How is this any different than XXXX XXXX creating accounts without the knowledge of their customers and transferring funds to accounts without customers knowledge?
Company Response:
State: GA
Zip: 30122
Submitted Via: Web
Date Sent: 2023-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-12
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Through this prestigious agency and that we citizens have so that this agency enforces federal, state and local laws, I am writing to you seeking your support, since I have tried by different means to find a solution to this situation. trying to get this debt collector, which has had a very questionable record in its collection procedures in its past, since this same AGENCY, ( CFPB ) has investigated it several times for its questionable operations, finding violations in its financial activities, it is questionable that an entity like NationStar Mortgage LLC, or Mr. Cooper knowing FEDERAL, STATE AND LOCAL laws would violate, violate these laws, since they can not assume ignorance of it. Since for more than once this same agency investigated and fined her for said violations. I hope that my case will be investigated for purposes of legitimacy of the proceedings of this entity known as NATIONSTAR MORTGAGE LLC, MR. COOPER. I remain at your disposal awaiting a legitimate response from you.
Company Response:
State: FL
Zip: 32837
Submitted Via: Web
Date Sent: 2023-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-12
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I had a borrower ask me to come over and notarize some loan modification documents for Mr. Cooper. The problem is that Mr. Cooper put the borrowers name that still alive on one line and then they put the estate of a deceased person on the other line and they put the Verbiage The, Estate of XXXX, XXXX XXXX in the notary certificate, and I cant have that verbiage in a notary certificate for three reasons. 1- I cant notarized in the state. I must notarize a persons signature. 2- the signature line was to be left blank so I cant notarize for a blank signature spot. 3- the person is deceased, and they still want all of this verbiage in the notary certificate, and it is wrong wrong wrong. I argued and argued with him and even talked to the Utah lieutenant governors office and had XXXX from the Utah lieutenant governors office. Talk to the supervisor at Mr. Cooper and they still just kept insisting that they wanted it done that way and refused to fix the documents. They said theyve had other notaries do this in the past and Im the only one who has had a problem with it. Probably because Im the only one that knows what theyre doing or isnt easily coerced into doing things that are wrong. So they admitted that they do it incorrectly all the time. I didnt get paid by the borrower or except for measley {$10.00} for wasting a half hour of my time. Please investigate Mr. Cooper as they dont seem to have any regard for the law.
Company Response: Company believes the complaint provided an opportunity to answer consumer's questions
State: UT
Zip: 84790
Submitted Via: Web
Date Sent: 2023-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-12
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: being a loyal customer of mr cooper i cant se why they cant let this slide ive been with them a long time an my payments were always on time i cant see how were having this problem over tax issues you could of let it slide because the bill doubled you cant expect normal person to pay up in liss then 30 days i never questioned you guys on payment amount.also why is it listed as nationstar and not mr cooper as it should be also has incorrect amount owed by me wrong 2 mistakes
Company Response:
State: IL
Zip: 60622
Submitted Via: Web
Date Sent: 2023-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-11
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My Loan was sold from XXXX to MrCooper XX/XX/XXXX. During that time I was in an approved Covid 19 Forbearance to end XX/XX/XXXX. I applied for XXXX Covid related Mortgage assistance grant and was approved and funded on XX/XX/XXXX to cover the 12 month forbearance period, as well as 3 additional payments which would make me due again XX/XX/XXXX. MrCooper received approximately {$40000.00} which included the 3 additional payment and the past due amount for 12 months, they then applied correctly. This is also based on figures MrCooper sent XXXX before the check was sent. On XX/XX/XXXX, MrCooper approved a partial loan modification for approximately {$19000.00} which the pending loan mod application should have been canceled by MrCooper after XX/XX/XXXX when the XXXX funds were received and made my account current. MrCooper failed to catch this and still approved the partial loan mod. Because of this MrCooper reversed the XXXX payment, applied the partial loan mod, then put the XXXX funds toward my principal balance only. This left me with an outstanding escrow shortage of {$10000.00} which would in turn increase my monthly payment by closing to $ XXXX additional for 1year. I tried numerous times to work with MrCooper, XXXX, and Legal Aid to fix MrCoopers error. After several attempts, MrCooper then started to threaten to send the XXXX Grant back to the state and refused to cancel the modification since they stated I could not do both. I asked to keep the grant which brought me current, and cancel the partial loan mod which was approve well after the Grant had been applied and should have been caught by MrCooper. I was told by their rep that the loan mod has been recorded and could not be reversed. I received several adjusted statements over the past two months because MrCooper continued to move funds around and restructured my account. The latest XX/XX/XXXX statement said I'm due XXXX for {$1800.00} which I paid and now MrCooper will not apply those funds to XXXX. instead it too sits on the account as unapplied. MrCooper continued to threaten me 3x saying they're sending the funds back because I didn't want to just accept the grant being applied as a principal payment only, leaving me with $ XXXX due for taxes. MrCooper then told me they have requested additional funds from XXXX to cover taxes. I explained the original payment covered my taxes as they are escrowed and MrCooper needs to apply the grant accordingly. MrCooper then told me I need to submit another application for grant funds myself through the XXXX site which I did on XXXX, it was denied due to my account being current. On XX/XX/XXXX I receive several document alerts from MrCooper, one says I'm in default and at risk of legal action, one says, I have an unapplied payment of {$1800.00}, the others were required notices that mortgage co have to send advising of assistance options. My account is now as of today XX/XX/XXXX show due $ ( XXXX ) due by XX/XX/XXXX and past due. I was called by a MrCooper Rep who escalated my case yesterday and told that the teams response is now that XXXX is requesting the funds back as of XX/XX/XXXX. I called XXXX and they have no record of this request. First MrCooper threaten to send the funds back, now they're claiming XXXX is requesting the funds back which is not true. I am asking MrCooper to take ownership of their error of approving the partial loan modification, even after the XXXX grant funds were received and applied. Now that the loan mod can not be reversed, please still apply the XXXX funds according to the original agreement and do not send the fund back. MrCooper has bullied me as a consumer and has refused to let me talk to the " processor '' who's stating all of these different threats.
Company Response:
State: IL
Zip: 60431
Submitted Via: Web
Date Sent: 2023-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-11
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: To avoid a foreclosure sale, I hired a real estate company and had the home put on the market. There were several offers received from buyers. I signed a contract with the highest offer and submitted it to Mr. Cooper along with a short sale application. Mr. Cooper sent both a real estate agent and an appraiser to evaluate the property. About a month prior, my real estate agent also recommended I order an appraisal of the property. Mr. Cooper rejected the buyer 's purchase price and offered a counter offer. The buyer increased their offer by $ XXXX but wouldn't go up any higher based on the current condition of the house. I also submitted my licensed appraisal report to Mr. Cooper, which valued the home at $ XXXX. The buyer was only willing to pay $ XXXX because of the recent underground oil tank spill that caused there to be no hot water in the house. They were concerned about the potential cost of an environmental clean up. Additionally, there are tenants currently in the home that might remain after the closing and have to either be bought out or evicted, which is an additional expense. This was explained to Mr. Cooper and they were asked to reevaluate the value of this property. They rejected the counter from the buyer. We asked them to release their appraisal report and BPO that they were using as a means to reject the current contract price and they refused to release either report. I checked my statements and they had charged a fee for the valuation but said they were not obligated to share the reports.
Company Response:
State: NJ
Zip: 076XX
Submitted Via: Web
Date Sent: 2023-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-11
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I have been trying since XX/XX/2023 to apply for a loan modification with my loan servicing company ( Mr. Cooper ) and they keep asking me for documentation. I upload the documents requested and then the company rejects the document ( s ) saying they have a question about the document I uploaded. I call the company and ask the Loss Mitigation representative why the document was rejected and receive a different explanation from the different representatives every time I call. I have emailed them letters of explanations to explain the documents as they suggest and they are still rejected. The other issue I am having is that in the past I have completed and uploaded a Loan Modification Application they send to me. Now all of sudden they are asking me to complete a different Loan Modification Application and when I asked why it's a different document they can't explain why. The application they want me to complete and upload is for a government loan ( my note is being held by a private investor ). One representative told me it was the wrong form and that they would send me the correct form and when I receive the form it's the application is for a government loan. In the latest correspondence from the company, the letter stated that as of XX/XX/2023 foreclosure proceedings had not started. On XX/XX/2023 I received a phone call from a complete stranger telling me my property was scheduled for foreclosure on XX/XX/2023. I was shocked. I immediately called the Mr. Cooper and they told me to upload my documents. Again the load modification application is for a government loan. I am extremely both mentally and physically stressed from what I am going through with Mr. Cooper.
Company Response:
State: NJ
Zip: 07302
Submitted Via: Web
Date Sent: 2023-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A