Date Received: 2023-05-24
Issue: Trouble during payment process
Subissue:
Consumer Complaint: We were approved & all funds dispersed to Mr Cooper from NY State Homeowners Assistance fund on our mortgage # XXXX in XXXX of XXXX. We received proof from NYS that Mr Cooper was paid 3 paymentsthe first to bring our mortagage current, the second for 3 months of payments and the 3rd for another 3 months of payments ( 6 full months of advance payments ) This brought us to XX/XX/XXXX with a small credit to be applied upon us resuming our monthly payments. Instead, our funds from NYS were incorrectly applied by Mr Cooper ( toward principle ) and then reversed due to that misappropriation by Mr Cooper. Two payments were then never reapplied to our balance so we were being told that we had past due mortgage payments in excess of {$5000.00}. I have spent months on the phone talking to countless people to resolve this issue without success. Essentially Mr Cooper stole our NYS Homeowners Assistance Fund money and are now sending us letters saying we are in risk of foreclosure and we are over 175 days past due. I have sent countless documents of proof and even a line by line breakdown of how payments should have been applied and the line by line balance. After months of fighting with Mr Cooper to resolve this issue we still have not had the payments applied to our account and our risk of foreclosure letter has a must resolve date of XX/XX/XXXX. We are not in default on our loan and have made payments for the months of XXXX and XX/XX/XXXX but our HAF money has still not be applied. Months into this, they are now finally confirming from their end that the payments were indeed received from XXXX our documents show. However, these funds from XXXX XXXX have still not been applied to our account. My Cooper has not only stolen our NYS funds.they are also threatening foreclosure on our forever home we have lived in for almost 20 years.
Company Response:
State: NY
Zip: 14075
Submitted Via: Web
Date Sent: 2023-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-24
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: Our mortgage is being transferred to a different company from Mr Cooper. Mr Cooper mailed us the notice on XX/XX/XXXX. Since the USPS is slow ( due to USPS management 's decisions in the past few years ), we didn't receive the notice until XX/XX/XXXX. It was in the same sort of envelope that Mr Cooper uses for their junk mailings with refinancing offers, etc. Fortunately we opened it instead of throwing it in the trash. The loan transfer is scheduled for XX/XX/XXXX -- only 11 days notice. Mr Cooper calls it 15 days notice. In either case that is way too short a time. I tried to set up an account with the new company XXXX, who hadn't notified us AT ALL. Per their website, they said that they send emails out 15 days in advance. They never sent an email ( even though Mr Cooper has our email addresses ). They have our street address but did not send any letter through the mail. I can't set up an account with them because we haven't been " onboarded '' yet. I know that we do have a 60 day grace period, thanks to the federal government, NOT to either of the mortgage lenders. Why isn't it required that these firms send notices by mail, at least, in an envelope marked " important '' if not by certified mail? Our house is one of our biggest investments. Both of these companies seem to treat this like substituting XXXX for XXXX ; or some equally trivial matter instead of a several XXXX XXXX dollar expense. When we have bought real estate, we have always shopped for mortgages with reputable companies. The only way we can change companies now is if we refinance our mortgage at nearly twice the interest rate and with no guarantee that another shady company won't buy our mortgage.
Company Response:
State: NC
Zip: 27517
Submitted Via: Web
Date Sent: 2023-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-24
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: XX/XX/XXXX, i filed a complaint.. It was PARTIALLY resolved On XX/XX/XXXX. my loan was on forbearance due to the pandemic. During that time frame, My loan was NOT to accrue interest during the relief period. On XX/XX/XXXX i received my loan modification documents via fedex. There was NO estimated unpaid principal balance breakdown documents. On XX/XX/XXXX i received via XXXX a correspondence notified that was written on XX/XX/XXXX. This document did give the Breakdown estimate of unpaid principal balance. Mr. Cooper has added {$10000.00} for Delinquent interest which they can not apply Under the covid 19 relief act. In XXXX when i received my erroneous loan modification, my interest rate was locked in at XXXX. NOW due to Mr. Cooper delay on my loan modification that has taken over 18 months. my current interest is XXXX. When my forbearance timeframe expired, Mr. Cooper made an major error on my loan modification. They had my former husband name on my modification loan. The underwriters had the right book number BUT wrong page number from the Registry of Deeds in the Town of XXXX, Ma. I refinanced in XXXX when i finalized my divorce. My former husband name was not on the mortgage and is not on the title of deed. This is all documented at the town of XXXX registry of deeds. My loan company was XXXX, it was bought out by Mr. Cooper XXXX. The delay on my loan modification was fully due to the underwriters. From XXXX to XXXX i made numerous calls, written emails to their complaint Department along with a written faxes to lost mitigation, which i received XXXX response. IF the underwriter had corrected modified my loan by simply deleting my former husband name which should not have taken more than a week, i would not have wanted 2 years to have my loan modification RECTIFIED. Removing my former husbands name off my loan is all that needed to be done to make my loan free of errors. I faxed with a certified notary from the Town of XXXX MA, registery of Deeds my property deed and mortgage, I only received a response after i filed a complaint with the CFPB in XX/XX/XXXX The delinquency of accrued interest needs to be exorcised.
Company Response:
State: MA
Zip: 02360
Submitted Via: Web
Date Sent: 2023-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-24
Issue: Trouble during payment process
Subissue:
Consumer Complaint: RightPath Servicing has and continues to engage in Loan Servicing Fraud. RPS ( RightPath Servicing ) is misappropriating my mortgage payments by not applying them towards the contracted monthly mortgage payment as described in the mortgage agreement. RPS has deceptively created fees in order to create a false situation of payment distress. RPS is now attempting to implement a Loan Modification, simply for their own monetary gain. I have never requested a loan modification as one is not needed.
Company Response:
State: FL
Zip: 33458
Submitted Via: Web
Date Sent: 2023-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-24
Issue: Trouble during payment process
Subissue:
Consumer Complaint: While the XXXX letter is really long, and filled with details. As per usual its mostly phony superfluous verbose garbage that describes in great detail things that dont matter while omitting real substance that can be balanced. The final agreed arrears are covered. However the fact {$6400.00} was paid on it was left out. Why? Its left up to the imagination to credit that amount and guess what else has been added. But we do know the date I filed XXXX XXXX and the date it was dismissed. The product of the unpaid ( {$28000.00} ) and the months they would not allow payment without reinstatement. XXXX, XXXX, XXXX, XXXX, XXXX and XXXX, XXXX, XXXX at time of letter. That looks like XXXX {$23000.00} + XXXX??? = {$52000.00} sort of matches. Why not detail that stuff? Keeps us in the dark. Hard to dispute. Thats been the case for over a year. XXXX from XXXX XXXX had the idea to ask XXXX to show credits applied and their effect on the balance. This was never done, but it would have been a way to prove the canceled XXXX XXXX trustee checks were deposited but not applied. They just kept saying the payment were applied. They werent. see XXXX and statements over {$30000.00} in mistakes From XXXX to fund was to be covered by XXXX. Note escrow is included. I was unable to make XX/XX/2022 because of the reinstatement issue. No count of months was outline to be added to the total. We are seldom given enough data to balance and its intentional. Note agreed arrears were entered at times when escrow was 200 % requirement. Because of misapplied payments. XXXX XXXX XXXX should match up month over months because they have always been paid as one payment. The fact the escrow does not match balance is proof of mistakes. We see over {$30000.00} in mistakes despite denying any mistake was made for years. It should not be surprising that $ {$4900.00} overage in escrow turns into ( {$3700.00} ) then {$9000.00}. The only good thig is XXXX is so bad at her job she leaves enough data to prove she has no idea what is going on. How could they be off by such substantial amounts. Even when others approve her work. Lucky for me she outlines the overage in the phone call on the letter. I think they must use post it notes or something. Its insane. XXXX cant be the only XXXX to experience this. They nearly foreclosed on me. {$6500.00} per the letter to reinstate or zero now its {$9000.00}. *They have also refused to reveal how Ive XXXX a year in my amortization without overpayments. thats another complaint.
Company Response:
State: WI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-23
Issue: Trouble during payment process
Subissue:
Consumer Complaint: First image mentions escrow advance of {$3700.00}. It is consistent with the first statement for XXXX. The second image we see escrow shortage is {$9000.00}. So why {$5300.00} extra? Second page adds up boxed numbers. The {$3700.00} divided by {$150.00} ( escrow monthly payment ) works out to just over 6 months. If I cut a check for {$9000.00} today, and used the shortage they state of {$3700.00} we would have {$5300.00} today. To pay {$1800.00} and {$5200.00} in XXXX. They do state the new amount starts in XXXX. So there would be XXXX five months at {$740.00} adding {$3700.00}. This totals {$8900.00} well in excess of the XXXX payments in XXXX of {$7100.00} = {$1800.00} But then 12 months for the XXXX payments there would be {$8900.00} collected to add to the {$1800.00} we get {$10000.00} for the annual bills now I understand these will go up. But they can and will raise the standard for that. Not the back payment. There is no estimate in the paid years. Only this year. This is just 16 of 60 payments. What ugly balance will be have with 5 years of $ XXXX surplus annually? Lenders are allowed by federal law to collect an extra two months of escrow payments as a cushion. The lender could receive extra throughout the year to make sure that the homeowner 's escrow account has enough money to cover these two bills. We do see this number {$1100.00} in the escrow balance required in XXXX. But the reason is $ XXXX in XXXX, this is the amount of all XXXX needs for tax and insurance, the entire back {$3700.00} and 4 payments of {$740.00}. When they have the 2 month cushion escrow would be 100 % caught up with 56 extra payments of {$150.00} or {$8400.00} extra for no reason at all. And zero flexibility to make changes without extreme measures. Im still 12 months ahead of the amortization. They want anther annual surplus. edit But then 12 months for the XXXX payments there would be {$8900.00} collected to add to the {$1800.00} we get {$10000.00} for the annual bills now I understand these will go up. But they can and will raise the standard for that. Not the back payment. There is no estimate in the paid years. Only this year. This is just 16 of 60 payments. What ugly balance will be have with 5 years of $ XXXX surplus annually? I take this back the additional $ XXXX would have been paid in my rundown so the XXXX escrow would be {$7100.00} to add to the predicted XXXX balance that would exist with the {$8900.00} payment. SO wed have {$8900.00} to pay what is {$7.00} last year. It will be less for XXXX than it was. XXXX {$290.00} of the property tax in XXXX was delinquent tenant water bills. Description Amount Paid Due Gross Tax XXXX - - School Credit XXXX - - Submit Total XXXX - - First Dollar Credit XXXX - - Lottery Credit XXXX - - Net Tax XXXX XXXX XXXX Special Assessments XXXX XXXX XXXX Submit Special Charges XXXX XXXX XXXX Submit Delinquent Utility XXXX XXXX XXXX PrivateForest Crop XXXX XXXX XXXX
Company Response:
State: WI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-23
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I am a Mr. Cooper customer. My home has an 80 % loan-to-value and I've met every requirement for the PMI removal process ; however, I have been presented with new requirements each of the three times I attempted to initiate the process, and there's no indication continuing to meet undocumented and not communicated requirements will end in Mr. Cooper approving my PMI removal.
Some details about me : my account number is
Company Response:
State: MD
Zip: 208XX
Submitted Via: Web
Date Sent: 2023-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-23
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: On XX/XX/XXXX I signed a refi on my property via a broker and XXXX witnesses at XXXX XXXX XXXX XXXX of XXXX XXXX to be picked up with XXXX XXXX due to machine problems Picked up check/over XXXX missing told credit score and 30 mins before closing received call from agenct stating credit score slipped more in interest. Demanded closing dics again machine problems, Docs TO BE MAILED. Never received copy of XXXX mortgage or closing Documents/ Finally told ALL DOCS LOST IN HURRICANE WILMA On XX/XX/XXXX a {$160000.00} mortgage closing took place at XXXX XXXX XXXX XXXX XXXX XXXX without XXXX XXXX XXXX, comscent and authorization of any kind. The same notary on the XX/XX/XXXX mortgage is the same notary on the Fraudulent XXXX mortgage. Also present at this XXXX closing was a witness who also participated in the XXXX closing. All done via IDENTITY THEFT I have documents that spell out " A SCHEME TO DEFRAUD '' On XX/XX/XXXX I found out the truth and upon further inspection of the clerk of XXXX XXXX XXXX found the following facts a, Discovered a XXXX {$130000.00} Mortgage electronically filed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/Phone call to XXXX XXXX XXXX who forwarded an an unsigned settlement statement d, Found {$11000.00} theft in XXXX mortgage e. Electronic filing of a fraudulent mortgage to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX f.After too many calls to Town & Country was able to bring the XXXX closing Documents safe RETURN from XXXX XXXX ALL XXXX pages. g.Confirmation of the XXXX mortgage THRFT was confirmed witg a signed settlement statement that dame back from XXXX XXXX. And all done with DELIBERATE DECEPTION OF DOCUMENTATIONs. Was I Profiled?
Company Response:
State: FL
Zip: 32792
Submitted Via: Web
Date Sent: 2023-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-24
Issue: Trouble during payment process
Subissue:
Consumer Complaint: **Note : A PDF of this letter is attached** Re : Complaint - Loan Number XXXX - Mr. Cooper Loan Servicing ( Formerly Nationstar ) To whom it may concern : My name is XXXX XXXX XXXX and I first want to thank you for reading this message. Due to a technical problem outside Mr. Cooper 's control, my XX/XX/XXXX payment was unpaid. However, due to servicing error on the part of Mr. Cooper, I was not awarded the opportunity to correct this issue in a timely fashion to prevent this issue from being resolved before a 30-day late payment hit my credit and was charged a second late fee. XXXX XXXX XXXX Guideline [ XXXX ] states that Mr. Cooper should have sent a Payment Reminder Notice on the XXXX day of delinquency, with specific criteria. ( Attachment 3 ) I have opted into paperless notices and agree [ d ] to receive all of [ my ] account communications electronically. ( Attachment 4 ) Mr. Cooper did not send a " Payment Reminder Notice '' electronically on the XXXX delinquent day, and no notice has been posted in the online portal. ( Attachment 5 ) On XX/XX/XXXX, I sent a letter to Mr. Cooper detailing these issues ( Attachment 1 ). Mr. Cooper acknowledged receipt of this letter on XX/XX/2023, and responded on XX/XX/2023 ( Attachments 2, 2a, and 2b. ) In their form response, they mention sending statements on XX/XX/2023, and XX/XX/2023, both of which are not Payment Reminder Notices and do not comply with the servicing guidelines that state these documents should be titled " Payment Reminder Notice '' and be sent on or before the XXXX day of delinquency. Mr. Cooper 's response did not address the failure to include the Payment Reminder Notice. '' Their response also mentions sending emails on XX/XX/2023, XX/XX/2023, XX/XX/2023, and XX/XX/2023. However, none of these emails are titled " Payment Reminder Notice, '' and none meet the criteria listed under D2-2-03. Additionally, XX/XX/XXXX, is not an actual date. During XX/XX/2023, Mr. Cooper bombarded my inbox with 14 emails, the vast majority of them refinancing messages. None of these messages met the requirements listed in the XXXX XXXX guidelines for a Late Payment Letter, which include : State a desire to work with the borrower to preserve homeownership. State the amount of late charges that are due, if applicable. Explain that the borrower can seek assistance with household budgeting at no charge from HUD-approved housing counseling agencies that can be found on HUD.gov. Inform the borrower about the availability of additional educational resources on XXXX XXXX consumer website. Furthermore, Mr. Coopers Electronic Document Disclosure states You may obtain and print a paper copy of an electronic record through the statements section on the website. No such late payment notice was posted to the statements section of my online account. In fact, the statement section of the Mr. Cooper online portal listed above includes an FAQ section. The first question on the FAQ references Payment Reminder Letters. ( Attachment 5 ) Q : Why Did I Receive a Payment Reminder Letter? A : If we havent received your payment by the time your grace period ends, well send you a letter to let you know that additional fees may be assessed. Remember that we offer a wide range of payment options, including making your payment online. Mr. Cooper made an error by not properly sending the Payment Reminder Letter. Based on the information listed on their FAQ, it appears to be a normal practice to send Payment Reminder Letters. However, Mr. Cooper failed to send one to me. I was harmed by XXXX XXXX failure to follow XXXX XXXX servicing guidelines and their own Electronic Statements Disclosure regarding the Late Payment Notice. I ask that Mr. Cooper take the following appropriate actions to rectify this issue caused by their servicing error : ( 1 ) Crediting the second late fee in the amount of {$79.00} ; and ( 2 ) Deleting the 30-day derogatory mark from my credit record. Best regards, XXXX XXXX XXXX
Company Response:
State: IL
Zip: 60630
Submitted Via: Web
Date Sent: 2023-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-23
Issue: Incorrect information on your report
Subissue: Information that should be on the report is missing
Consumer Complaint: My mortgage lender ( XXXX XXXX XXXX XXXX ) ; Formally Known As ( XXXX XXXX XXXX ) ; transferred/sold my loan to " RightPath Servicing '' : failed to report my mortgage payments under the Federal Pandemic Forbearance/Modification Plan. As a result, took advantage of the consumer ( person filing this complaint ) ; by their formed ( SPV ) companies formed for a single purpose to isolate their investment through abusive, threatening business practices ( i.e., physical threats, abusive communication, behind the scene deceptive tactics; attempting to cause financial and other harm ; by affecting my life in a negative way. They ( the parent company ) have in every which/ way violates my consumer rights in their nefarious methods to isolate their investment and activities. They have greatly harassed me, leaving threatening communication /paper at my house. following me in my daily life routines. They have teamed up with other outside entities against this one consumer to pull together a " lynching team '' including partnering with XXXX companies as a debt management system to validate their unlawful practices through national correct coding methodologies.
Company Response:
State: IN
Zip: 462XX
Submitted Via: Web
Date Sent: 2023-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A