Date Received: 2023-04-26
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I am enrolled in XXXX and my application has been accepted. I am a widow living on social security with two mortgages that take most of my income per month. Now, I am fortunate that the Fund is considering payment on my two mortgages that are past due. I have had an active application and communication with XXXX since XXXX, XXXX, XXXX. XXXX each of my lenders, Mr Cooper and XXXX XXXX XXXX XXXX inquiries on XX/XX/XXXX through the portal to validate and move forward with payment of these overdue mortgages. Neither lender is being cooperative to the Fund or to my many requests, via phone or messages that we have sent from that date. Both lenders have not verified the inquiries sent to them. I have personal notes of many phone calls to Mr Cooper from the past weeks I talked with XXXX assistants, XXXX and XXXX, on many occasions and they confirmed that Mr. Cooper has not responded to the inquiry XX/XX/XXXX, XX/XX/XXXX. Also, I have spent hours talking to more than 6 different mortgage agents,XXXX, XX/XX/XXXX two times, XX/XX/XXXX, at Mr Cooper. They all indicate the inquiry was made to Mr. Cooper and it was verified according to their records. On the suggestion of XXXX, at XXXX, I sent a follow up email to XXXX on XX/XX/XXXX requesting information about their responses to XXXX requests. And after all this time a stalemate of inaction continues and my Mr Cooper mortgage remains unpaid. XXXX contacted the XXXX in early XXXX. At the XXXX I have tried to reach a person XX/XX/XXXX. I was on the phone for 82 minutes never reaching the right department or a person who could talk to me. I was being redirected to different persons.who can tell me the status at XXXX of the inquiry and response. The final contact there was unavailable, left a message, never called me back. Called XX/XX/XXXX again at XXXX til XXXX when XXXX gave me the same person to contact from XX/XX/XXXX who still did not call me back. No one from XXXX has contacted me or XXXX to this point. XXXX has the funds, I am told by the assistants, to be disbursed but my lenders are uncooperative, unresponsive and unavailable to me and XXXX. I am asking the CFPB to intercede on my behalf and have my banks, who I have paid thousands of mortgage payments over the years, to due diligence when I, their client, has pertinent and timely requests.
Company Response:
State: NH
Zip: 032XX
Submitted Via: Web
Date Sent: 2023-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-26
Issue: Trouble during payment process
Subissue:
Consumer Complaint: On XX/XX/2023, we paid off our home mortgage, which was with XXXX We had received notices that XXXX was selling our mortgage to MrCooper, as of XX/XX/2023. When we did the payoff with XXXX on XX/XX/2023, they said everything was correct and that it was good we did it earlier than XX/XX/2023, so we could avoid any possible issues with the transfer. We did everything properly and it should have been fine. But, instead, we received bills from MrCooper. We called them to confirm they did not have the loan and we had paid it off before it went to them. They said the loan was somehow transferred to them on XX/XX/2023, so they show that we owe them the full mortgage. We have been calling and emailing since. MrCooper said it would be fixed in early XXXX, then XXXX. Now they say it should be fixed by XX/XX/2023. Our escrow is due to be returned to us and has not been. Further, we continue to receive bills from MrCooper. They made the error, we did nothing wrong. And yet, we are negatively impacted.
Company Response:
State: CT
Zip: 062XX
Submitted Via: Web
Date Sent: 2023-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-27
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Complaint number amendment XXXX I couldnt modify the feed back to this compliant but I looked at my portal and lo and behold they took {$610.00} out on XX/XX/XXXX for FLOOD INSURANCE, this is unreal. XX/XX/XXXX? Mr. Coopers XXXX XXXX, XXXX, who I spoke to on XX/XX/XXXX, asked for the the name and number of the agency that holds our master policy and said she was getting it directly from them, in addition to that, just to be sure since Mr. Cooper never receives the proof since XXXX, no matter how many times its sent, I completed a form from our property manager and HOA, that they send to the insurance agency, XXXX, to send the proof directly to Mr. Cooper, I imagine that will have to be spent a XXXX times before they quit taking extra funds. This is reprehensible and I will call the media so others who dont research this wont be scammed. Also, Ive been making payments, they still ask you are you ready to resume payments and customer service says if you are not, you have to refinance that is the only option. That is not true according to Fannie Mae, its deceiptful and dishonest and Im sure its a violation of some act, Ive done so much research Im exhausted.
Company Response:
State: FL
Zip: 336XX
Submitted Via: Web
Date Sent: 2023-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-27
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Complaint number amendment XXXX didnt see an option to amend complaints but I believe the fact that Mr. cooper instructs its reps to state if you cant pay up the forebearance all at once upon ending that the customer must refinance. As a sub server of XXXX XXXX, they should know better, and my fear is that this is forcing people, who dont research everything like I do, are unecceassilly stressed and may lose their homes. There are numerous options and Mr. cooper is directing XXXX to tell struggling home owners only two options. Im not holding my breath as Ive seen so much corruption with the banks after my mothers account was embezzled and your agency did nothing about it, despite the laws of the state we are in and the branch was based out of, they certainly broke the law, so I take these acts with a grain of salt, sadly, but by definition, this is a violation of the truth and lending act.
Company Response:
State: FL
Zip: 336XX
Submitted Via: Web
Date Sent: 2023-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-27
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Addendum to previous complaint mortgage lender still taking a lump sum for flood insurance when they have been notified constantly it is in the condo master policy, isnt this a violation of : ii ) Charges during the life of the escrow account. Throughout the life of an escrow account, the servicer may charge the borrower a monthly sum equal to one-twelfth ( XX/XX/12 ) of the total annual escrow payments which the servicer reasonably anticipates paying from the account. In addition, the servicer may add an amount to maintain a cushion no greater than one-sixth ( XXXX ) of the estimated total annual payments from the account. However, if a servicer determines through an escrow account analysis that there is a shortage or deficiency, the servicer may require the borrower to pay additional deposits to make up the shortage or eliminate the deficiency, subject to the limitations set forth in XXXX ( f ).
Company Response:
State: FL
Zip: 336XX
Submitted Via: Web
Date Sent: 2023-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-25
Issue: Trouble during payment process
Subissue:
Consumer Complaint: We asked for a disaster forbearance in XXXX for hurricane Ian as I had standing water in my house. I was told by the company that services my loan Mr. Cooper that I could get a three month disaster forbearance and the payments would roll to the end of the loan as it was for a disaster. Now Ive been trying to make payments since XXXX to which they refuse to take them, they told us they miscoded the forbearance and some how an extension on my disaster forbearance was filed with out my knowledge or consent and then denied and now they will only give me loan modification or pay the total sum.
Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers
State: FL
Zip: 32708
Submitted Via: Web
Date Sent: 2023-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-26
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: There seems to be an error on my consumer report furnished by ( companys name ). On my consumer report, there is a late payment reported which is causing me damage to me as a consumer and limiting my ability to extend credit. I allege that ( company name ) is willfully and knowingly furnishing inaccurate information and defaming my character as a form of extortion. According to 15 U.S. Code, A creditor may not treat a payment on a credit card account under an open-end consumer credit plan late for any purpose. According to 12 CFR Appendix B to Part 1022 I never received any the model notices stating that any negative information would be furnished to my consumer report. Why is this inaccurate information being reported when I have never received notice of the information and congress has stated there shouldnt be any late payments? Is ( companys name ) attempting to cause some form of harassment to me and violate my right as a consumer purposely? I was never given a reasonable way to opt or limit sharing my creditworthiness according to their privacy policy. Payment defined under 15 U.S Code 78m Payment is define as commercial development of oil, natural gas, or minerals therefore what form of payment has ( companys name ) has been excepting for the last years of under the United States Code it is define as commercial development of oil, natural gas, or minerals? Is there a yield of the investment on the account due to me? Has the true nature and fitness of the agreement been provided to me? The inaccurate, false and fraudulent information being furnished on my personal consumer report needs to be corrected immediately as it is causing damage and defaming my character. I am demanding a response within an appropriate time of 5 business days to answer each concern I have raised in this complaint or I allege that there is a due yield of investment that has been misapplied as a billing error and shall be Returned back to me.
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-26
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I know that this company has had trouble with being compliant when t comes to reporting accounts to the credit reporting agencies per the several complaints and lawsuits I read in this CFPB portal. Well this company continues to violate my right to privacy under FCRA by reporting of this accounts Violates 15 US Code 6802.This was not sent in error, not a material misrepresentation, and If you feel you have not violated my rights please have a senior executive from your company certify under the penalty of perjury. The Privacy Rule protects a consumer 's " nonpublic personal information '' ( NPI ). NPI is any " personally identifiable financial information '' that a financial institution collects about an individual in connection with providing a financial product or service unless that information is otherwise " publicly available. A financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title which I was not given any notice nor was I provided any disclosure under 15 Us code 6802 ( b ) the right to opt out. The credit reporting agency last I checked is a nonaffiliate 3rd party company I do not consent to my information to be shared with anyone as this is an invasion of my privacy
Company Response:
State: GA
Zip: 30349
Submitted Via: Web
Date Sent: 2023-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-26
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I purchased my home on XX/XX/XXXX and on XX/XX/XXXX of XXXX my loan was transferred to Mr. Cooper for servicing. On XX/XX/XXXX a letter was sent informing me that my insurance coverage was insufficient and that a policy would be purchased on my behalf. Beings that Mr. Cooper is impossible to reach by phone I submitted a inquiry online, through the insurance web site provided and e-mailed a copy of my declaration page. According to their record my insurance policy term was from XX/XX/XXXX to XX/XX/XXXX of XXXX and my insurance was expired. I didn't even own the home during this period and my insurance coverage actually began 7 days prior to actually closing on the home. I have sent in the information on several occasions and have now received notice that forced placed insurance will be purchased due to compliance. I haven't even made my first payment on this loan to Mr. Cooper and they already can't keep accurate records. I also haven't owned the home even 30 days nor has my insurance coverage changed or been cancelled. This also includes that my first year premium was paid on my homeowners policy at closing.
Company Response:
State: UT
Zip: 84074
Submitted Via: Web
Date Sent: 2023-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-25
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I got a modification in XXXXthey put pmi insurance on my loan.my condo has risen in value a XXXX since.i wanted remove pmi.i did not realize a pmi appraisal an a get a loan appraisal is much lower.i said would do a appraisal they charged me XXXX dollars.it came in at XXXX lower than market an XXXX short of removing pmi.i did complaint my mortgage but it was useless. I waited an time passed an there was no doubt my condo was worth way over the money needed.i agreed to another appraisal.again charged XXXXmy units with my views were selling in a day for a XXXX more 5 under contract.the appraiser was told that.she fraudently came in XXXX short.she used a 5th floor condo that sold in a day for the XXXX it over looks the parking lot.my unit overlooks the gulf an intercontinental an blocks from beach.she knew of contracts pending on comparable units for up to XXXX more.yet she gave me appraisal for XXXX XXXX less than the parking lot condo.now even low floors sell for XXXX more.i complained to my mortgage company an thier pmi department.they said I would have pay for another appraisal.XXXX for XXXX more needed.they even said if it been a refi appraisal been much higher. They said they would contact XXXX XXXX see if anything be done.answer no without apprasisal.meantime they were offering me equity lines.i pointed out how can you offer me equity lines when appraisal shows negative equity.they said well you definitely have alot of equity.i said then remove pmi payment.sorry we can't without a appraisal.i contacted XXXX XXXX an they said the same.i applied for mortgage refinance an helocs with my company an others.all approved with cash out or large equity line.XXXX XXXX was the lender with each who approved.again I fought with my company remove pmi.got nowhere though they agree it was wrong.i decided not to refinance or do a heloc.i did not need it I decided.my interest rate was good an cost to do refinance to much.so here I was same mortgage paying pmi an being held up for another appraisal for XXXX.i told them the last appraisal was fraud an they needed to reappraise.they were shown the sales an kept sending me offers to cash in on all my equity.its fraud I just want now my last appraisal be refunded.however settle for pmi being removed.i should get a refund for all the pmi charges since last appraisal also.Again settle for it being removed pmi.i have proof of all I'm saying thanku
Company Response:
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2023-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A