NATIONSTAR MORTGAGE
Consumer Complaints
There are over 21508 complaints on file for NATIONSTAR MORTGAGE. Dated between 2019-12-11 and 2012-03-15.
Complaints Page 15
2019-09-19
P C Beach, FL
Trouble during payment process
Mortgage: Reverse mortgage
Company Response: Closed with explanation
2019-09-19
Worcester, MA
Applying for a mortgage or refinancing an existing mortgage
Mortgage: Conventional home mortgage
Complaint: I've tried to communicate with Mr. Cooper ( Nationstar ) since 2018, regarding a mortgage on my residential property. I was assigned resolution specialist XXXX XXXX.
From XXXX, I've requested mortgage statements throughout, never received.
In XX/XX/XXXX, I requested forms for a loan assumption, never received. I repeatedly inquired as to the status of these forms, and was referred to the " Research '' department. Over three months, the department never responded, even though XXXX was cc 'd on every email.
In XX/XX/XXXX, I re-requested forms for the loan assumption using the enclosed letter. These were provided by XXXX.
In XX/XX/XXXX, I was referred to the " Subordination '' department. I requested a response immediately, which I did not receive. As promised, I am now filing a formal complaint against Mr. Cooper.
Company Response: Closed with explanation
2019-09-19
Chicago, IL
Trouble during payment process
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2019-09-19
North Hollywood, CA
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: Hello, I've purchased a house in XXXX XXXX, NV back in XXXX and based on my understanding the mortgage rate was not fixed and it can be changed based on the market current rate.
As of XX/XX/XXXX the current average mortgage rate is bellow 4 % ( 3.75 to 4 ) on 30 year mortgage.
Back in XX/XX/XXXX my mortgage rate was 3.50 % Back in XX/XX/XXXX my mortgage rate was 3.75 % Back in XX/XX/XXXX my mortgage rate was 4.375 % after Mr. Cooper take over Nationstar Back in XX/XX/XXXX my mortgage rate was 5.375 % Now as of XX/XX/XXXX my mortgage rage is 5.625 % which is almost 2 % more than the current offered mortgage rate. Within last 2 years my mortgage interest dramatically increased to almost 2 % bringing my current mortgage rate to XXXX and this is a disaster!
This is a a complete rip off and a violation against good customers who are struggling to pay their mortgages and stay current not to lose their only houses.
I've tried to contact Mr. Cooper numerous times but all my calls and emails were ignored and all my attempts so somehow be helped were declined.
This is a complete scam and fraud taking place by Mr. Cooper which should be immediately stoped. Even if the mortgage has a floating interest rate, it should always be adjusted to the current average market rate.
Attached please find all the statements as a proof.
Sincerely, XXXX
Company Response: Closed with explanation
2019-09-19
Atl, GA
Trouble during payment process
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2019-09-18
Memphis, TN
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Complaint: Mr. Cooper is my second mortgage on my house. I have sent them financials and request for mortgage assistance and I have had a hard time with them processing my request. The have declined my request and didn't give a reason for the denial, letter states I need to sale my home if I can't afford my home. I feel I'm being discriminated against because of my age and I'm a XXXX elderly man. Under the Consumer Protection or Flex modification the mortgage company is suppose to assist the homeowner with staying in their home. I don't want to lose my home to foreclosure.
I'm on a fixed income and I can afford my home.
Please Help
Company Response: Closed with explanation
2019-09-18
Beaumont, CA
Struggling to pay mortgage
Mortgage: FHA mortgage
Company Response: Closed with explanation
2019-09-18
Tampa, FL
Struggling to pay mortgage
Mortgage: Other type of mortgage
Complaint: XX/XX/XXXX I was involved in an accident where it almost cost me my life. But God didn't want it that way and until today I'm here with difficulties. Product to the Corruption of the lawyers I ended up suing myself and the only thing I could get was a withdrawal from my work nothing more than that This situation, as they should be imagined, results in economic situations in XX/XX/XXXX. Call the bank XXXX XXXX. Explain the situation and they did not want to help us at all over time. We ran out of all kinds of economic resources. There were problems that began transferring us to XXXX XXXX and On this occasion it was better to go to XXXX and not have to deal with XXXX staff call XXXX in several occasions to transfer us to another and they never did XXXX we asked him to make a modification the only thing they did was put us in more difficult situations every day until this year in XX/XX/XXXX they sent us a letter saying they transferred us to XXXX XXXX which is the same as XXXX XXXX XXXX, this famous company since we are in their hands are harassing us and trying to destroy us mentally with the actions they are making us physically destroy and mentally I hope to find you can help us solve something thank you very much Sincerely, XXXX & XXXX XXXX
Company Response: Closed with explanation
2019-09-18
Chicago, IL
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Complaint: To whom It may concern I am late 3 payment so far as Im unable to use my account do to that someone hacked my account and some one used my account debit card to make purchases I already reported as fraud and also reported to the authorities. The investigation is still pending and can take up to 90 days or more this has caused me to not used the funds that I have untill the investigation is over with and. Ow Im at a risk of having a foreclosure with my property i called Mr Cooper since the begging of this frauds and they were aware of it. Even tho they knew they still went ahead and started a demand letter with a default date of XXXX XXXX or XXXX to make a payment to avoid from been 3 payments late I told the lady I would do it as soon as I can get funds out to make a payment to void form been 3 payments one more and I loose my home by mr Cooper initiating a foreclosure against me it dad because and frustrated because mr Cooper knew about the situation and did not wanted to wait untill investigation is finished.
I dont want to loose my home and I want to keep my home. As soon as this problem Is resolve I hope to go back on track and at least avoid from Getting more past due right now.
Company Response: Closed with explanation
2019-09-18
Woodland, WA
Applying for a mortgage or refinancing an existing mortgage
Mortgage: Conventional home mortgage
Complaint: I began asking Mr. Cooper with help paying my mortgage on XX/XX/XXXX. On XX/XX/XXXX I spoke with XXXX ( I dont have his last name ) and his recommendation was to apply for a loan modification. I wrote a letter explaining my financial difficulties. I was XXXX in XX/XX/XXXX and was denied 3 months of my social security benefits. I have been struggling to make a comeback from this. I am retired and on a fixed income.
I mailed my 1st application XX/XX/XXXX. I was rejected because I missed the due date of XX/XX/XXXX by one day.
On XX/XX/XXXX I mailed my second application with a USPS and a tracking number. It was delivered XX/XX/XXXX tracking number : XXXX.
I began calling to check the progress of my application. I called XX/XX/XXXX and spoke with XXXX ; she reported no documents received. On XX/XX/XXXX I spoke with XXXX ( I am uncertain as to the accuracy of this name ). She reports no documents received. On XX/XX/XXXX I FAXED my third application. On XX/XX/XXXX to check progress. I was told they had no information. On XX/XX/XXXX I mailed my 4th application via certified mail number : XXXX. It was delivered XX/XX/XXXX at XXXX XXXX. On XX/XX/XXXX I called again. I was told I needed to submit award letters for my social security and my pension. I told them on page 3 of the documents required it states this information can be submitted by 2 recent bank statements OR with an award letter. I at this point had submitted 4 copies of bank statements with the social security and pension deposits highlighted. On XX/XX/XXXX I mailed my 5th application. The issue of award letters so I FAXED them on XX/XX/XXXX. I sent my XXXX pension information and the needed the XXXX document. I FAXED the XXXX pension document on XX/XX/XXXX. I have not included the unreturned responses to my many phone calls and emails. I reached out to their Research Department as well as their Consumer Relations Department. On XX/XX/XXXX I called the Consumer Financial Protection Bureau. I spoke with XXXX. I was given on how to proceed with a complaint.
Company Response: Closed with explanation
2019-09-17
Applying for a mortgage or refinancing an existing mortgage
Mortgage: VA mortgage
Company Response: Closed with explanation
2019-09-17
Atl, GA
Trouble during payment process
Mortgage: Home equity loan or line of credit (HELOC)
Company Response: Closed with explanation
2019-09-17
Jackson, MI
Struggling to pay mortgage
Mortgage: VA mortgage
Company Response: Closed with explanation
2019-09-17
San Diego, CA
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: Last XX/XX/XXXXI started a Home Loan Modification with Mr. Cooper. During these many months I endured horrendous treatment. The service was so bad, the follow up non-existent. The number of calls I had to make to get answers ( which were never the same ), the amount of personal financial documentation the was lost and resubmitted, the hours on the phone being passed around and disconnected, the lack of any kind of policy that requires their employees to return voice mail messages ... I am certain I am leaving out so much due to having to " let go '' of the stress this company caused me, unnecessarily I might add. NOW, someone at Mr. Cooper has gone into my online account and added an Escrow account that was agreed upon that I don't need. I pay my taxes in FULL and ON TIME every year for the last 17 years. Please see attached payment history. I can not afford the payment they are requiring now - it's hundreds of dollars more each month. It was explained to a supervisor many months ago, that I have a non-liquid account where I pull out property tax funds twice a year without penalty. I pay my property taxes this way since my husband passed away in XX/XX/XXXX. I CAN NOT AFFORD THIS MONTHLY PAYMENT WITH MY CURRENT SALARY. This escrow account for property taxes needs to be cancelled immediately. As agreed to last year by Mr. Cooper. I have called and left 2 messages for a gentleman by the name of XXXX. He doesn't return phone calls. My 3rd phone call was to their call center. I held for 32 minutes waiting for someone to answer, then spent another 30 minutes being placed on hold while a woman desperately fumbled around for answers and placed me on hold 5 times. When she finally came back for the last time she actually told me that they had paid my taxes for me and I now owed them money. Unbelievable. I am back in XXXX. TRAIN YOUR PEOPLE!!!!!!!!!
Company Response: Closed with explanation
2019-09-17
Katy, TX
Trouble during payment process
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2019-09-17
Moapa, NV
Trouble during payment process
Mortgage: FHA mortgage
Complaint: My homeowners Hazard Insurance was hijacked by a partner company of my mortgage company ( Mr Cooper ). They simply stopped paying my old insurance then more than doubled my rate under their partner. My old insurance was with XXXX XXXX for many years without incident or problem. My mortgage company was Nationstar but they changed their name to Mr Cooper and that's also when they stopped paying my insurance from escrow.
I made no changes from my end for them to do such a thing as hijack my existing insurance and then raise my mortgage {$200.00} a month for a very poorly rated insurance company XXXX XXXX.
I had to pay {$4400.00} for the first year while my old insurance was {$1600.00}. I have now gotten new insurance which is only {$900.00} a year but I fear they are going to hijack my insurance again. They require you to pay it from escrow, but then don't pay out leaving you without insurance.
How is this legal? This mortgage company ( Mr Cooper ) has already faced government scrutiny and paid heavy fines under the brand Nationstar. Changing their name has not changed their methods. Also XXXX should be properly investigated.
I'm out at least {$5000.00} for 3 years of over-payments. This is unacceptable.
Company Response: Closed with explanation
2019-09-17
Drexel, MO
Trouble during payment process
Mortgage: Other type of mortgage
Company Response: Closed with explanation
2019-09-17
Mabank, TX
Trouble during payment process
Mortgage: Other type of mortgage
Complaint: I am a XXXX year old elderly woman who has been abused by subprime lending practices. My home is in a redlined area in the southern XXXX XXXX XXXX area. In XXXX, I received a loan through XXXX XXXX XXXX XXXX XXXX, loan # XXXX, servicing number XXXX on my home at XXXX XXXX XXXX, XXXX, Texas XXXX, after my business burned. The {$52000.00} loan was to cover the cost of damages and repair due to the fire. My business is also in the same redlined area where insurance was never made affordable for minority businesses. This same area is now being gentrified. XXXX XXXX XXXX was bought by Nation Star currently Mr. Cooper. As of today, I have made on time payments towards this bad note. I have spoken with the XXXX. I have notifed the Texas Adult Protecive Services indentification # XXXX filed by XXXX # XXXX. I have also contacted XXXX Responds concerning this matter. After my husband passed away in XX/XX/XXXX, I learned that I could only have one homestead exemption. Which meant that additional property taxes were added to the property in question dating back to XXXX. My oldest daugher lives in the house who qualifies for the XXXX exemption per the XXXX County Appraisal District requirements. In XXXX of this year we made attempts to add her name to the title for that purpose. In XXXX we contacted the XXXX County Tax Office to make adjustments and pay the taxes. We were told that the taxes had been paid and a {$100.00} refund was issued. We spoke with XXXX at the law offices of XXXX XXXX XXXX XXXX XXXX who confimed that someone had indeed paid the taxes. My mortgage statement for XX/XX/XXXX remained the same. My mortgage statement dated XX/XX/XXXX had an escrow balance of - {$11000.00}. Mr. Cooper had paid the taxes. My mortgage statement dated XX/XX/XXXX showed that my payment went from {$490.00} to {$2400.00} to be paid by XX/XX/XXXX. I then receieved an Escrow Review Statement the same month DATED for XX/XX/XXXX showing a shortage of {$47000.00}. After seeing this statement I gave my youngest daughter permisson to talk to the mortgage company. On Friday XX/XX/XXXX, we called and my daughter asked the respresentative for copy of the deed to be mailed to me. On Monday XX/XX/XXXX, we called again with more questions. My daughter asked the representative Ms. XXXX how did Mr. Cooper get these numbers? The representative stated that XXXX XXXX had sent it to them. My daughter then asked for a Payoff amount for this loan. The representaive then placed us on hold for about 8-10mins. During the hold my daughter looked up XXXX XXXX and called. The call failed to go through twice. Ms. XXXX returned to the phone and said she found a discrepancy of {$34000.00} and that she would send out a new statement. I received the new Escrow Review statement dated for XX/XX/XXXX showing a balance of {$13000.00} bringing the monthly payment to {$890.00}. This amount is still {$1700.00} over the amount of taxes owed on this property. The monthly amount has almost doubled. My daughter and I have done more research on Mr. Cooper and mortgage companies like them. They prey on senior citizens and minorities in redlined neighborhoods and exploit them financially. During XXXX this type of predatory lending was very popular in minority communities. Contributing to the housing crash in XXXX. Banks were then required to modify such loans. Not true in this case. Not only does this Elder Abuse and Financial Exploitation continue, but it is unconstitutional under the Texas Constitution to have this type of loan on a home that is no longer a homestead exemption. The taxes on this home increased by 40 % from XXXX to XXXX. In 18 years, I have paid over {$100000.00} on a {$52000.00} loan with a {$40000.00} balance, plus taxes. This manipulation of numbers and dates on the statements from Mr. Cooper appears to be an attempt to cover up illegal practices. With property in this area being prime real estate for investors, it is very clear that this type of Adjustable rate/Arm loan was intentional and never intended for me to own my home again free and clear. On XX/XX/XXXX, XXXX Magazine featured an article on " New Maps Show Consequences of Redlining in XXXX. '' In this article, former XXXX XXXX XXXX XXXX talked about the " XXXX injustices of the past, '' as well as the institutional racism that persists to this day. Last year alone Texas lost almost {$1.00} XXXX to Elder fraud. 97.67 % of Elderly people fell victim to XXXX incidents in all. My family and I have fought, bleed and died for equality and the right to live in these United States of America, Texas in particular. I submit this complaint to dissolve any past, present or future contracts with Mr. Cooper and his affiliates. That this loan and additional taxes in this matter be considered paid in full and additional compensation be granted for the pain and suffering I have endured as a result of this My daughter spoke with representative XXXX. She placed us on hold for about 15 minutes. She returned to the call and said that a modification had been made by another servicer. We informed her that she was being recorded and that the only other servicer 's were NationStar who is now Mr. Cooper who bought out XXXX XXXX XXXX who ordinated this loan. She placed us on another old hold to do more research with a specialist to find out when this modification was done. The final outcome was that no loan modification had been done. Only the recent {$34000.00} Escrow Analysis discrepancy that was discovered with our initial call to Mr. Cooper. I have included those numbers in this complaint. We asked if any changes would be made to correct this bad note? She said that they would not be able to assist me with changing the status of this loan. I informed her that I would continue with my complaint to the Office of the Attorney General and we ended the call.
Company Response: Closed with explanation
2019-09-16
Hialeah, FL
Problem with a credit reporting company's investigation into an existing problem
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Problem with personal statement of dispute
Company Response: Closed with explanation
2019-09-16
Traver, CA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Complaint: Past due on mortgage payment, they suggested verbally and in writing a re-payment plan of four payments to catch up. Never explained verbally or in writing that the loan would have a negative affect on my credit and would show that it is past due for the period of four to five months. Phone calls an letters have been coming at me daily as if they are moving to the foreclosure process even when the re-payments are paid as scheduled. My credit has been damaged and I am now unable to be approved for bidding and payment bonds to support my XXXX XXXX income. They are reporting to credit companys as nationstar but I am paying to mr cooper, that was old lender.
Company Response: Closed with explanation
2019-09-16
Council, NC
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: My complaint generally involves the disbursement of insurance funds. I was displaced by Hurricane Florence XX/XX/2018. My home had to be gutted and was completely unlivable. I followed the prescribed routes to mitigate the damage. Got estimates, contacted FEMA, and filed insurance claims.
I fought with the insurance adjuster for 11 months to finally settle at {$100000.00} worth of repairs. I also had to notify the NC Department of Insurance in order to secure those funds because we all know insurance tries not to pay, as well.
I finally receive the insurance check and then I had to start dealing with the mortgage company 's loss/drafts department. This is where the reason I'm contacting you comes in.
The company, Mr. Cooper, has since made the claim process impossible.
My contractor and I have been jumping through rings of fire for 4 weeks in order to get the mortgage company to disburse funds to start repairs on my home. I have been out of my home for a year now and each time we submit forms they come up with something new or different that needs to be done. They even said that the contractor had used a stamp because her signature was so good.
I am at my wits end and completely frustrated. If one more of their claim specialist say to me that they understand my frustration level, I'm going to snap. No they don't ... I am living in a 1-bedroom apartment with my mother who is XXXX and suffers from XXXX. The apartment is the only one I could find and it is not XXXX friendly. I had to take the doors off the frame to get a wheelchair in the bathroom. I'm paying both rent and mortgage on a home I can't live in. My dogs are still with my sister because I also could not find a pet-friendly apartment. Meanwhile, Mr. Cooper, is sitting on {$96000.00} worth of funds to fix my house and will not release them.
Company Response: Closed with explanation
2019-09-16
Jupiter, FL
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: I refinanced my XX/XX/XXXX ARM on XX/XX/XXXX because I understood the rate would reset for the first time on XX/XX/XXXX. When Mr. Cooper refunded the payoff overage, I found it short by more than {$550.00}. I determined that Mr. Cooper had reset the ARM interest rate on XX/XX/XXXX, despite Mr. Cooper 's continually stating in documents and phone calls that a ) the rate would reset on XX/XX/XXXX, and b ) since the payoff statement ran from XX/XX/XXXX-XX/XX/XXXX the reset rate was shown but would be adjusted to 2.5 % until XX/XX/XXXX. My wife and I have requested this interest error to be refunded in phone calls and emails. Mr. Cooper has denied my request and has failed to respond to my wife 's last email.
1. Nationstar Mortgage llc d/b/aMr. Cooper took over loan servicing of my XX/XX/XXXX ARM in XX/XX/XXXX. Every statement issued by Mr. Cooper from XX/XX/XXXX through XX/XX/XXXX prominently stated my interest rate of 2.5 % until XX/XX/XXXX. However, Mr. Cooper changed my rate to 4.875 % on XX/XX/XXXX. The reset date is clearly XX/XX/XXXX, or alternatively, these are 16 clear violations of Reg Z Sec 1026.41 ( d ) ( 7 ) ( iii ).
2. Mr. Cooper failed to issue a statement in XX/XX/XXXX with a payment due date of XX/XX/XXXX. Instead, Mr. Cooper sent a statement dated XX/XX/XXXX with a payment due date of XX/XX/XXXX. This is a clear violation of Reg Z Sec 1026.41 ( 2 ) requiring monthly statements.
3. Mr. Cooper failed to send an initial rate adjustment statement 210 days before either XX/XX/XXXX or XX/XX/XXXX. This is a clear violation of Reg Z Sec 1026.2 ( d ).
4. Mr. Cooper 's statements of XX/XX/XXXX and XX/XX/XXXX state the interest rate of 4.879 % until XX/XX/XXXX. This again confirms theXX/XX/XXXX reset date was XX/XX/XXXX, or alternatively, are another 2 clear violations of Reg Z Sec 1026.41 ( d ) ( 7 ) ( iii ).
Company Response: Closed with explanation
2019-09-16
Everman, TX
Struggling to pay mortgage
Mortgage: FHA mortgage
Company Response: Closed with explanation
2019-09-16
WI
Trouble during payment process
Mortgage: VA mortgage
Complaint: Nationstar/Mr. Cooper breached contract by modifying terms/payment schedule of a VA backed mortgage with NO legal authorization to do so resulting in legal monetary damages and violations of Wisconsin State Statutes, the Fair Credit Reporting Act and the Fair Debt Collection Practices Act.
A mortgage I have had since XXXX was sold to Mr. Cooper / Nationstar. In XXXX of XXXX I was late ( inside the grace period ) on a payment. At that time Mr. Cooper started a " trial modification '' of my mortgage, altering the terms and payment schedule. Mr. Cooper did this with NO legal authorization or permission by me to modify the loan. As a result of their unauthorized change to the loan terms and payment schedule they improperly applied the payments I continued to make.
On XX/XX/XXXX Mr. Cooper reported to all 3 major credit reporting agencies ( Equifax, Experian and Transunion ) that I was more than 60 days past due on a payment. This is as a direct result of their changing my loan terms and not informing me. They since deny that they changed the loan, but are unable to explain why the payment schedule was altered ( resulting in the appearance of missing a payment ). It is clear to me that they understand they illegally applied the terms of a " trial modification '' even though they had no authorization ( written or other ) from me to do so.
I officially disputed Mr. Cooper 's report to the credit bureaus with Mr. Cooper via registered mail on XXXX XX/XX/XXXX. Since that time they contacted us via phone ( XXXX XX/XX/XXXX ) and informed us that they " modified the loan because the Veteran 's Administration told them to '' and that it was in our best interest " to avoid foreclosure ''. Both of those statements are untruthful and Mr. Cooper must have been aware they were untrue at the time they made them. The VA does not have any authority to modify my loan agreement as our mortgage is a legal contract between myself and Mr. Cooper. Also, a single late payment ( even if it had been outside the grace period ) would not place my mortgage in default according to WI statutes ( SS 425.103 ). Therefore Mr. Coopers threat of foreclosure is a violation of WI statutes and the FDCPA.
Because my loan is not and never was in default, Mr. Cooper 's assertion that the loan modification was in my " best interest to avoid foreclosure '' was a threat they are not legally allowed to make. This is a violation specifically of 15 USC 1692e 807. " False or misleading representations ( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action. '' In addition, they explicitly admitted that they DID modify the loan even though they claimed the VA told them to.
I am seeking to refinance my home partially to lower my interest rate and partially to avoid further business with Mr. Cooper. The presence of these incorrect reports by Mr. Cooper on my credit record effect my ability to refinance and the terms of that refinance. Thus, I am likely to incur legal damages ( in the form of a higher interest rate, or months of continued payments to Mr. Cooper if I am unable to refinance ). I will continue to accrue damages until these reports are removed from my credit record.
Company Response: Closed with explanation
2019-09-16
Antioch, IL
Attempts to collect debt not owed
Debt collection: Mortgage debt
Debt is not yours
Complaint: Section 1463 of the Dodd-Frank Financial Reform Act ( the Dodd-Frank Act ), which took effect in XX/XX/XXXX, contains several important modifications to the QWR provisions of RESPA. First, a servicer must now acknowledge receipt of a QWR within 5 business days ( previously 20 days ) and must provide a substantive response to the borrower within business 30 days ( previously 60 days ), with a possible 15-day extension if the servicer sends the borrower notice of the extension and its reason for the delay in responding. See 12 U.S.C. 2605 ( e ) ( 1 ) ( A ) ; 12 U.S.C. 2605 ( e ) ( 2 ) ; 12 U.S.C. 2605 ( e ) ( 4 ).
Mr. Cooper never fulfilled their obligation concerning the time-lines stated above. I never received a reply until months later for a QWR Certified Letter to Seterus, Inc., received on XX/XX/XXXX - prior to Mr. Coopers acquisition of Seterus, Inc. Now Mr. Copper claims that it received my letter to Seterus on XX/XX/XXXX when they tool over Seterus Inc. , and that letter was signed for on XX/XX/XXXX by Seterus Inc. , agents - setting the tine-line for response. After no response to the XX/XX/XXXX letter and after many phone calls to Mr. Coopers designated Contact persons, whom I was instructed to contact, I made clear that I never received their response within the allotted time as per above. Next, I sent via Certified U.S. Mail a completely new 14 page letter addressed to Mr. Cooper. This letter required a specific response sent certified return receipt, and Mr. Cooper failed to respond to that correspondence entirely.
Company Response: Closed with explanation