Date Received: 2023-04-19
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I paid down my mortgage so that I can remove the mortgage insurance. I called on XXXX to have the PMI removed. I was told they needed to send a realtor out to evaluate my property in order to have it removed. I have called several times as well as sent a chat messages to have a manager contact me since they have done nothing as of today. No one has contacted me to evaluate my property and no one has returned my call. I have continued to be billed for mortgage insurance. I called yesterday and the representative disconnected and never called me back. I am being charged a fee that per the law should be removed as I now have over 20 % down on the loan.
Company Response:
State: GA
Zip: 30080
Submitted Via: Web
Date Sent: 2023-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-19
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have been getting assistance from the homeowner assistance fund since XX/XX/XXXX. I had a forebarence that ended XX/XX/XXXX. The assistance has been sending XXXX XXXX monthly since XX/XX/XXXX. My mortgage went up on XX/XX/XXXX. Here is my issue : The mortgage went up around {$500.00}. I cant get them to take all the money thats been sent to cover the payments. They keep using the assistance as coverage for fees, escrow deposits, and or additional principal. I want all the money sent in from the homeowners assistance fund taken to cover XXXX, XXXX, and XXXX payments. There is enough to cover all 3 payments. I want my credit bureau reporting updated to paid on time. I also dont want to go through this anymore. Starting in XXXX I will have to send the additional to the {$1100.00} for the mortgage increase. I hope they can add my payment to the assistance without me calling every month. I have called many times for this and even sent them an email on XX/XX/XXXX to which I never got a reply.
Company Response:
State: FL
Zip: 33579
Submitted Via: Web
Date Sent: 2023-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-19
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Nationstar ( dba Mr. Cooper ) has started an illegal foreclosure against my house, which is my primary residence where I live with my wife and children. Here is what happened : On XX/XX/XXXX, I received a letter from Nationstar stating that I had been approved for a loan modification. Shortly after, I received a packet from Nationstar with the loan modification documents. I signed the documents on XX/XX/XXXX, and soon thereafter returned them to Nationstar. On XX/XX/XXXX, I received a letter from Nationstar indicating that the documents I signed had errors on the dates. The letter further stated that Nationstar was going to send a mobile notary to help me sign the documents. On XX/XX/XXXX, I met with the mobile notary sent by Nationstar ( XXXX XXXX XXXX XXXX XXXX and signed the documents she presented to me. The mobile notary took the documents and returned them to Nationstar. In XX/XX/XXXX, I was contacted by the mobile notary XXXX XXXX, and she indicated that Nationstar wanted me to re-sign the documents. On XX/XX/XXXX, I met again with the mobile notary sent by Nationstar and signed the documents she presented to me. The mobile notary took the documents and returned them to Nationstar. I made six ( 6 ) payments under the new terms from XXXX to XX/XX/XXXX. In XX/XX/XXXX, the company blocked the portion of the website that allowed me to make payments. The company has now filed a Notice of Default dated XX/XX/XXXX. To stop the foreclosure, the company wants me to sign a different modification, with higher monthly payments. I told them we already agreed to the terms and there is no legal justification for them to reject the loan modification documents that have already been signed and notarized. The filing of the Notice of Default has damaged my credit score, and the lowered credit score is having further damage to my business, including higher prices for insurance, higher cost for operating bond, and higher interest on business credit cards.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 90680
Submitted Via: Web
Date Sent: 2023-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-19
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My service prover Mr. Cooper is charging me for a bridge homeowners policy that they bought because they are stating that I had a lapsed policy. I have provided to them documentation that shows I had no lapsed policy ever, period in question, XXXX XXXX XXXX XXXX. I have asked them to cease and desist with these harassing emails and communications and to credit my account as I owe nothing to them. I suspect this may be a scam and that they are doing this with other customers.
Company Response: Company believes the complaint provided an opportunity to answer consumer's questions
State: CA
Zip: 90025
Submitted Via: Web
Date Sent: 2023-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-18
Issue: Trouble during payment process
Subissue:
Consumer Complaint: RightPath Servicing has fraudulently claimed that my hazard insurance on my primary residence had expired, when it did not. I provided RightPath proof of insurance on numerous occasions. RightPath threatened to purchase hazard insurance on my behalf and assess me for the cost although I have repeatedly provided proof of hazard insurance. In XXXX of 2022 I was made aware of insurance purchased on my behalf and that I am being charged for this insurance. The insurance RightPath purchased was not hazard insurance, but condo insurance or a HO6 policy. RightPath deceptively claimed I needed to purchase hazard insurance, not HO6 insurance. RightPath continues to assess me for this insurance although I have purchased my own HO6 insurance at more than half the cost I am being charged by RightPath. RightPath has also misappropriated my mortgage payments.
Company Response:
State: FL
Zip: 33458
Submitted Via: Web
Date Sent: 2023-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-18
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: Since XX/XX/2022, I have communicated with several support employees at XXXX XXXXXXXX via the ticket system, emails, and calls on more than XXXX different attempts to receive the proper documents for a mortgage assumption. On each occasion I have been told misleading information and incorrect procedures, however each time Ive been instructed to instead refinance the loan for a higher interest rate. This behavior is done in bad faith, for the benefit of XXXX XXXX and is nothing short of predatory to customers that arent aware of XXXX loan assumptions.
Company Response:
State: MD
Zip: 21113
Submitted Via: Web
Date Sent: 2023-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-18
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: My mortgage was assumed by Mr. Cooper on or around XX/XX/XXXX. I called Mr. Cooper on several occasions to request setup of bi-weekly automatic drafts. Each time, I was advised that I would need to make " double payments '' in order to set up the draft. I made two double payments ( i.e. 4 mortgage payments ) between XX/XX/XXXX- XX/XX/XXXX. Mr. Cooper continually informed me that it failed to set up the automatic drafts, and none of the incompetent representatives could provide me with a reason why. They told me to just keep making double payments to get it set up. After two failed attempts to set up the automatic draft, I decided I did not want a company this incompetent with access to my bank account. As such, I set up bi-weekly automatic payments through my bank. Between XX/XX/XXXX and XX/XX/XXXX, Mr. Cooper reversed 3 mortgage payments without notice to me. Furthermore, Mr. Cooper failed to apply the automatic payments from my bank in a timely manner. On or around XX/XX/XXXX, Mr. Cooper reported me to XXXX and XXXX as 30-days late on payments in XX/XX/XXXX, thereby causing a drastic drop in my credit score. This information is blatantly false! Any untimely payment was the result of Mr. Cooper 's unauthorized reversal of my payments without notice to me, as well as Mr. Cooper 's failure to timely apply the payments from my bank to my mortgage account. I filed disputes with both credit reporting agencies. Mr. Cooper responded to the dispute by updating the account balance. The false, unsubstantiated and unverified late payment report remained. Both credit reporting agencies closed the disputes with the updated balance information. I then requested the information XXXX and XXXX used to verify Mr. Cooper 's false report of a late payment. Neither agency provided me with said information, and merely responded that the unsubstantiated report by Mr. Cooper was " verified ''. The false information remains on both credit reports. I only discovered the reversed payments after requesting itemization of all payments received from Mr. Cooper, and when those payments were applied. I have spent so much time and energy trying to get this matter corrected. There is a plethora of similar stories/complaints regarding Mr. Cooper 's fraudulent actions, which have ruined the good credit that I worked for so many years to obtain.
Company Response:
State: LA
Zip: 70815
Submitted Via: Web
Date Sent: 2023-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-18
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Mr. Cooper is charging me {$53.00} every month for legal fees for no reason.
Company Response:
State: AZ
Zip: 85257
Submitted Via: Web
Date Sent: 2023-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-17
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: My initial contact with Mr Cooper ( Nationstar Mortgage LLC ) happened on XX/XX/XXXX. The customers on their mortgage passed away and the authorized user passed away and I am the admin of the estate for the authorized user. I told them everything that was going on and was told to email an email address, which I did. I was told to forward all information I had and I would receive call back in 7-9 business days .... Fast forward to XX/XX/XXXX, no call back so I called them back. I confirmed they received the email from me with all the information, BUT they added my mother as the authorized user ( you know, the one that passed away and I'm the admin of her estate ) even though I provided her death certificate on XX/XX/XXXX. Fought back and forth with them for hours and finally was able to talk to them. The mortgage hadn't been paid since my mom 's passing in XXXX, and they obviously wouldn't speak to anyone until AFTER I got my admin paperwork ( EVEN though they added the incorrect person to begin with on the account as the authorized user ) so the mortgage was behind. Late XXXX we get notification that the house is going into foreclosure and scheduled to be sold XX/XX/XXXX ( even though STILL no one will talk with me even though I provided paperwork ). Finally after the hours on XX/XX/XXXX of fighting back and forth I was authorized as the user that they would talk to. I was asking what we could do to avoid foreclosure and get the house caught back up. I was told I could NOT make payments towards the full amount owed; it had to be paid in FULL or they would still foreclose. I asked for the amount and was given a past due amount of around {$12000.00}. In my mistake, I didn't write down the FULL amount so I called back asking to get the amount and was told that we would need to " submit a quote for reinstatement '' and would get it in 24-48 hours. The next day, XX/XX/XXXX I was given a quote of around {$13000.00}. I was shocked. First I was told {$12000.00} and now it's gone up {$1800.00} overnight. I immediately asked to speak with a XXXX, was told XXXX wasn't available and they would request one to call me back in XXXX to XXXX hours. I asked MULTIPLE times of the representative that called me if this quote would go up and I was told the same thing over and over again : Yes, the quote will increase again on XX/XX/XXXX, but not before then. Here we are on XX/XX/XXXX. I called Mr Cooper to get the wire information so I can pay off the {$13000.00} out of my pocket to catch the estate up. I was told a few steps had to be taken and one of them was to pay the reinstatement amount. I advised that I was aware and it was XXXX I was told it wasn't, it was now {$15000.00}... I immediately demanded a supervisor because now I had been lied to not once, but TWICE over this issue. I was told the amount would NOT increase until on XX/XX/XXXX. I advised that I demanded one weeks ago, they acknowledged there was a request for one, but yet again, I didn't get a response. I was transferred to a supervisor 's voicemail and yet still no callback ( no surprise at this point ) Acting as a debt collector, it seems to me that they have now violated the FDCPA not once but TWICE. They have lied to me on the amount owed on at least 2 occasions. In order NOT to lose my family home of almost 30 years, I now had to come up with more money. I went ahead and sent a wire transfer of the amount they demanded to clear the foreclosure.
Company Response:
State: GA
Zip: 305XX
Submitted Via: Web
Date Sent: 2023-04-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-17
Issue: Trouble during payment process
Subissue:
Consumer Complaint: We pay through the XXXX XXXX Bank using auto payment. We make payments prior to the due date every month. The loan was sold to a Mr Cooper and ever since that company takes up to 2 weeks to process the payment, then they charge us a late fee. We have checked with the bank and they confirm payment and the Mr Cooper refuses to process the payments, they also refuse to acknowledge that they are receiving the payments even though the bank can confirm that they do receive the payments. They charge us {$150.00} dollars in late fees with every transaction and refuse to assist in getting this problem taken care of.
Company Response:
State: FL
Zip: 34205
Submitted Via: Web
Date Sent: 2023-04-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A