Date Received: 2023-06-13
Issue: Unable to get your credit report or credit score
Subissue: Other problem getting your report or credit score
Consumer Complaint: Upon finding in XX/XX/XXXX that I was delinquent on monthly payments due to the increase in Escrow from the previous XX/XX/XXXX, I immediately coordinated with Nationstar Mortgage/dba Mr. Cooper to determine exactly how much was needed to become in " good standing ''. I immediately paid this amount in the first week of XX/XX/XXXX. I continued to follow up with Nationstar Mortgage/dba Mr. Cooper to see when they would change my status from " delinquent '' to now " good standing ''. I was told that they only make changes at the end of the month. However, you could plead with their " researchincoming '' department to see if they would do it sooner. " ResearchIncoming '' is nothing more than an automated response so no action was taking place. I made sure to continue calling and sending messages to Nationstar Mortgage/dba Mr. Cooper pleading with them to ensure they made the necessary changes from " Delinquent '' to now be " Good Standing ''. The end of the month ( XX/XX/XXXX ) came and went and now I'm in the middle of XXXX and we just pulled my credit again only to see that my account status has not changed. This is truly affecting my status and ability to sell my house and pay off my bills. I am a single parent and it is imperative that I get this resolved as soon as possible. I am trying to do the right thing but Nationstar Mortgage/dba Mr. Cooper is too big to care about their own constituents/members.
Company Response:
State: CO
Zip: 81504
Submitted Via: Web
Date Sent: 2023-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-13
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: Divorced in XXXX, I was granted 50 % of the proceeds from the sale of my home. Judgement stipulates that it was to be sold in 1 yr. Six years pass and my ex-wife refinances the mortgage owned by Nationstar Mortgage/Mr. Cooper. The payoff amount was {$190000.00} on XXXX XX/XX/XXXX and refinanced by Nationstar Mortgage giving my ex-wife {$75000.00} in equity. Nationstar Mortgage failed to review the divorce decree, and should not have allowed her to refinance as 50 % of the equity belongs to me. My name is clearly stated on the lien release but I was not contacted for signature or for any reason. Nationstar did not do their due diligence to ensure there was no claim on the home. XXXX XXXX also signed claiming to have reviewed supporting documents. This did not happen.
Company Response:
State: TX
Zip: 79934
Submitted Via: Web
Date Sent: 2023-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-13
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Nationstar is attempting to foreclose on my home and a man has repeatedly trespassed and damaged my property, including my ring camera. The man in the photo has stated that he is with the bank and that he is there to see if my house is occupied. A broker from XXXX XXXX contacted me yesterday to offer to sell my house in advance of the foreclosure and he stated that I was on the mortgage and that my credit score is being impacted. However, I am not on the note and the bank and nationstars attorney refuse to communicate with me. In addition to this, the house has been tied up in divorce court in XXXX XXXX XXXX since XXXX, index XXXX, and no one is addressing this issue. I am on the deed and title of XXXX XXXX XXXX in XXXX, MA, and have paid the deposit for the home and again paid XXXX XXXX to stop their attempted auction of my house during divorce proceedings in XXXX. The mortgage holder, XXXX XXXX XXXX, stopped paying the mortgage after divorce commencement in XXXX, violating automatic orders and a court order to pay the mortgage. XXXX XXXX committed perjury in court by stating that he was willing to sell me the house and then never responded to my offers. I have paid several real estate and divorce attorneys including XXXX XXXX and XXXX XXXX and this has led to no results and further financial abuse. My credit score is being impacted by the lack of attention to this matter by the courts and I am asking for assistance from authorities. I am in finance and this impacts my ability to earn a living and to support a family.
Company Response:
State: MA
Zip: 011XX
Submitted Via: Web
Date Sent: 2023-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-12
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: We went into forbearance with covid relief in XXXX due to loss of income due to the pandemic. We work with XXXX XXXX XXXX in the home and were unable to have steady income due to the pandemic. We have 7 children and this was a lifeline during a very difficult time. Since coming out of forbearance we have attempted to modify the loan multiple times, each time being denied with no reason. We started applying in XXXX of XXXX. We have attempted multiple times since that time. We have also been receiving calls saying our home is on the market for foreclosure but have never received a notice of sale or sale date or any other type of information from Mr. Cooper or any other company. We also can not make any payments with Mr. Cooper unless we pay the full amount due from the forbearance. They have not been clear on any ways to avoid foreclosure, other than modification, however they continue to deny the modification with no reason.
Company Response:
State: TX
Zip: 78108
Submitted Via: Web
Date Sent: 2023-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-12
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Dear Consumer Financial Protection Bureau, I hope you find this letter in good health and good spirits. I am writing to ask for your help in getting a closed account reported to my credit reports. This account has never been negative. However, it has been 30 business days since I paid off my Home Loan and Nationstar/Mr.Cooper has not submitted my updated credit report since XXXX. I know this because I have contacted XXXX and that is the information, they gave me and to call Mr. Cooper, which I did. In addition to Mr. Cooper not updating my credit report since XXXX, the balances have not helped my score increase. I have worked hard to maintain my credit and I do appreciate Mr. Cooper for assisting me in my financial hardships at the beginning of 2022. I have maintained all of my payments with NationStar/Mr.Cooper and paid off the full account balance. I am asking now that my credit be updated immediately so that I may resume improving my credit and continuing my positive creditworthiness. Thank you so much for your attention to this prompt matter.
Company Response:
State: GA
Zip: 30122
Submitted Via: Web
Date Sent: 2023-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-12
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: In XXXX of XXXX, XXXX XXXX XXXXXXXX transferred my home loan to Nationstar Mortgage. Despite an inaccurate internal accounting, XXXX XXXX XXXXXXXX claimed XXXX late payments for their tradeline until XXXX. Upon onboarding the loan, XXXX charged me for XXXX deferred late fees due in the amount of {XXXX from XXXX XXXX XXXX, then without notice, increased the amount to XXXX late fees in the amount of {XXXX. XXXX XXXX claimed to me through the CFPB portal, dated XX/XX/XXXX, that I owed XXXX late fees, as uploaded to my complaint to the CFPB, while he falsely claimed I had ever tried to modify my payment with XXXX XXXX XXXX and those non existent documents were outdated, as reasoning to ignore the XX/XX/XXXX XXXX Application and documents he was in fact responding to as he received them a second time by XXXX XXXX XX/XX/XXXX, XXXX months before filing a petition for XXXXXXXX against me that went wholly ignored after the filing by XXXX, and this devalued my fair cash value of the home I was trying to sell by XXXX. For years Nationstar claimed to have paid a law firm for a full suite of forclosure fees, only to accidentally disclose the charges as advances were somehow reversed and my payments to these unearned and allegedly split fees were and are still held by XXXX in a suspense account along with {XXXX in interest payments I made that have yet to be credited to interest or refunded. XXXX obtained XXXX in late fees yet I owed XXXX. BUT. XXXX allocated receipt of {XXXX} in lines XXXX in their internal system and left this lie I paid for XXXX late fees for XXXX years causing the attached inaccurate information furnishing in my credit files on a large number of occasions proven by mailed credit files, including in XXXX when claiming after the XXXX payoff I was 149 days past due on the loan in XX/XX/XXXX. Their company through counsel refuses to produce proof of services having occurred and refuses to produce cancelled checks allegedly advanced for these unearned fees, that also included two never noticed never described or disclosed force placed insurance premiums dated XX/XX/XXXX and XX/XX/XXXX, without having any reasonable basis for the charges necessity to overlap my regular homeowners policy that expired in XX/XX/XXXX. In XXXX, within a false payoff statement dated XX/XX/XXXX, XXXXXXXX over charged me {$XXXX} for unearned fees and charges and refused to issue a refund in XXXX, XXXX they paid general damages and currently can not tell me what unearned fees I was paid for, or in XXXX. XXXX XXXX XXXX XXXX 's XXXX credit reporting of negative payments that matches 12 years of their credit reporting and two examples of XXXX XXXX inaccurate credit reporting claiming different and under payment of the actual amount paid by XXXX XXXX XXXX XXXX of {XXXX.
Company Response:
State: OK
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-11
Issue: Trouble during payment process
Subissue:
Consumer Complaint: See attached dispute by XXXX XXXX to Mr. Cooper 's XX/XX/20 dispute response, along with referrenced evidence not uploaded to the CFPB Portal.
Company Response:
State: OK
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-06-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-10
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have sent these people at Mr cooper a copy of the bank statement that I paid the mortgage in XX/XX/2023. They sent it back I re-sent the payment. I sent a copy of the bank statement from XXXX XXXX XXXX and XXXX XXXX XXXX sent them a copy of the statement they still do not recognize that I sent the payment in even with notification from the bank
Company Response:
State: NV
Zip: 89031
Submitted Via: Web
Date Sent: 2023-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-10
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX Mr. Cooper XXXX : Loan # XXXX We thank your office for your interest concerning our issue with Mr Cooper. Mr Cooper has dealt with us in a very unlawful manner. Breaking all rules and regulations concerning foreclosure. First our original loan was about {$370000.00}. Due to lost of business, we failed behind on our payments. Mr Cooper claimed that they kept adding the payment and interest on the loan principal. They now claim that the loan balance today is {>= $1,000,000}. In XXXX XXXX. The judge recommended that Mr Cooper allow us to do a modification on the loan. Mr Cooper refused to adjust the loan balance, by reducing the interest and principal reduction. That resulted to unrealistic monthly payments. Mr Cooper came up with a monthly payment of {$7500.00} months payment. Which was unaffordable. One can see that Mr Cooper has one goal in mind. That is to Foreclose on the house, then write of the list for a wind fall as tax return. Now the judge has given us the opportunity to sale the house as a short sale. We have engaged the service of a real estate license agent. He was able to get three offers. One of the offers is a cash offer. That will actually take a little time to close on the house. The sale day on the house XX/XX/XXXX. Mr Cooper has crusted the efforts of our Realtor. They will not allow him to put the transaction in the XXXX. Mr Cooper is pretending, and claiming that there is not enough time to execute the short sale. Still waiting for the sale date to come and pass. So that the title will pass to Mr Cooper. In light of the above, we are pleading to your office to intervene. To appeal to Mr Cooper to grant a reasonable time to execute the short sale, there should be no reason for them not to allow more time. We did an appraisal on the house this year in XXXX. To determine a fair market price for the house. We have used that appraisal to list the house, and have received three offers. Mr Cooper will not allow us to do the short sale as granted by the court. All Mr Cooper is focused on, is to foreclose on our house, as as to write it of on there tax return. So to have a wind fall. Just three months ago Mr said that our loan balance was under {$900000.00}. With s short period it has jumped to over one million. All the number are made up numbers. The loan was sold and traded. It has interested individuals that has interest in the deed. We plead to your office to intervene on our behalf. So that Mr Cooper to move the sale date to XX/XX/XXXX. Giving s fair reasonable time to do a short sale. In hope that you will intervene on our behalf. We thank you in anticipation. XXXX and XXXX XXXX, and XXXX XXXX.
Company Response:
State: CT
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-09
Issue: Trouble during payment process
Subissue:
Consumer Complaint: See attached court filings to be heard in XXXX XXXX. Nationstar refuses to remove unearned never performed service and unnoticed force placed insurance premiums from my loan 's payment history, and Nationstar is obstructing material evidence for a Court hearing XX/XX/2023 without justification except for the payment history is inaccurate currently and doesn't fit the counsel for Nationstar 's false narrative.
Company Response:
State: OK
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A