NATIONSTAR MORTGAGE

2019-08-30

Tulsa, OK

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2019-08-30

Los Gatos, CA

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2019-08-30

Volcano, HI

Struggling to pay mortgage

Mortgage: FHA mortgage

Company Response: Closed with explanation

Timely Response

2019-08-29

Louisville, KY

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account information incorrect
Complaint: Mr. Cooper national star has reported to my account 30days past due I have made payments to my account twice in one month, my account was garnished from student loans that put me behind however when I did pay they would take my checks if my check did not go through they would hold the check and fraudulently forage my account and keep resending it to my bank with out my permission every week until they get there money, also if Im past 30days they post huge envelopes on my door and take pictures of my home, like theyve already sold it, I called to talk with lesion team they where rude the lady wouldnt give me her name and direct line to contact she also made a state ment ( we are very familiar with cfpb and we are not doing a recommendation to fix ur credit score ) I asked her why wasnt it on my credit score for last month that I was late she said because they report the end of each month but I told her I shouldve gotten it by the XX/XX/XXXX she couldnt answer that it says I went from 60days to 30days which is a ly I should b current I owe XXXX from XX/XX/2019 current and my account is still reporting negative 30days! Its harassment and fraudulent activity going on with this company and it needs to stop! I want a new mortgage lender I should not have to put up with this company I am paying my hard earned money and I am not satisfied at all with the services
Company Response: Closed with explanation

Timely Response

2019-08-29

Fountainville, PA

Trouble during payment process

Mortgage: Reverse mortgage

Company Response: Closed with explanation

Timely Response

2019-08-29

Decatur, AL

Incorrect information on your report

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2019-08-29

Mount Royal, NJ

Struggling to pay mortgage

Mortgage: FHA mortgage

Company Response: Closed with explanation

Timely Response

2019-08-29

Salton City, CA

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: Mortgage servicing Company : Mr. Cooper ( " Cooper '' ). A foreclosure action was scheduled for XX/XX/XXXX at XXXX XXXX In an effort to save the home, contact was made with Cooper to determine if payment to reinstate the loan could be arranged or a full payoff of the loan was possible. The indication was that these options were available. A request for both a payoff quote and reinstatement amount was made on XX/XX/XXXX. A payoff quote in the amount of {$19000.00} was provided on XX/XX/XXXX, over the phone. Although I had been promised a fax within a day of the request, no fax with the payoff quote was ever sent. Nevertheless, I was assured on XX/XX/XXXX that the payoff amount was correct and payment, via wire transfer would have to be made prior to the sale taking place. A payment in the amount of {$19000.00} was made to Cooper, via wire transfer, on XX/XX/XXXX, prior to the auction. Cooper and the Trustee, XXXX XXXX, were notified immediately, and the sale was halted. I made it clear that I still wanted the written quote and assurance that the loan was paid in full, in writing. On XX/XX/XXXX, Cooper, through XXXX notified me that the loan was not paid off and they needed to speak with me. When they were contacted, I was told that I still owed over {$3000.00} to payoff the loan. I re-requested the payoff quote previously requested on XX/XX/XXXX, and also made the request via internet ( Cooper Website ) on XX/XX/XXXX. I have received no response to my request. I did receive an email after contacting Cooper on XX/XX/XXXX, which contained the Cooper response to my " payoff '' request and i is attached as " payoff amount ''. It states no amount is due to payoff the loan. The statements provided by Cooper do not coincide with what is shown on the Miscalculation of interest and unknown other " charges '', as indicated on website payment information. Refusal to provide a written loan payoff statement upon request - The request was made on XX/XX/XXXX for a payoff quote misapplication of payments resulting in late fees : Excessive and incorrect " reversal '' of payments resulting in extra fees. Some payments applied to principal and interest were reversed and applied in an unknown manner ; I have attached a statement dated XX/XX/XXXX for your review. It indicates that credits to principal were included in my statement. I did not receive that portion of the statement. The credits were to go to the payments in the following months as discussed with Cooper. Charges to my account indicated as " other '', which are impossible to determine where the amounts were applied. Excessive charges to account designated as other ; Escrow documentation is not understandable and shows large deposits and Withdrawals from escrow. Of course, the result is that the payment increases to an unreasonable amount. The 2 items in escrow are as follows ( pretty simple ) : Property taxes ( XXXX ) and homeowners insurance ( {$700.00}. I have been required to pay to Cooper the amounts that I have paid directly.
Company Response: Closed with explanation

Timely Response

2019-08-29

Crkd Rvr Rnch, OR

Trouble during payment process

Mortgage: Other type of mortgage

Company Response: Closed with explanation

Timely Response

2019-08-29

Salisbury, MA

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2019-08-29

Baychester, NY

Attempts to collect debt not owed

Debt collection: I do not know

Debt was paid
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-08-29

Augusta, GA

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2019-08-28

Norwalk, CA

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: I finished a refinance at the start of XXXX, the refinance funded on XX/XX/XXXX and paid off Mr Cooper ( my previous mortgage lender ). On XX/XX/XXXX I called Mr. Cooper and was connected with Escalation agent XXXX XXXX, I informed her that under no circumstance was my escrow refund to be mailed to me. She informed me that she would handle the situation and make sure it is wired to me and not mailed to me. On XX/XX/XXXX I emailed her a scanned copy of a voided check to use to wire to my checking account. XXXX XXXX no longer responded to my emails once I emailed the voided check in regards to the wire refund. On XX/XX/XXXX I called and was connected with XXXX XXXX an escalation specialist. I voiced my concerns that XXXX XXXX did not do as she promised me she would in regards to properly filing my voided check, so when the refund issues it would be wired and not mailed to me. XXXX informed me that XXXX XXXX didnt do anything she promised to do. Later that day on the XXXX, XXXX responded and confirmed she received the voided check via scanned email, and that the the refinance had funded successfully. On XX/XX/XXXX I called into Mr Cooper to find out the status of my wire refund, I was told by a Customer rep that Mr Cooper had sent our two escrow refund checks on the XXXX, and had entirely ignored the entire voided check wire process I went through with them. I told them I needed and wanted it to be a wire, so that same day they told me they would issue a stop payment and initiate a wire transfer as they should have on the XXXX. On XX/XX/XXXX I called again asking what the status of my now very late wire transfer was, I was given the run around, and even hung up on by one of their reps because I kept pushing for a resolution. It wasnt until I requested to speak with a manager that I was eventually connected with a manager, who admitted that they had made numerous mistakes. He then promised to me over the phone he would call me back in an hour, and that he would XXXX overnight deliver me a new set of checks so I could deposit them tomorrow ( XX/XX/XXXX ). I call again on XX/XX/XXXX asking the status of my wire, after the usual stone walling I am connected with escalation manager XXXX XXXX. He then confirms that the previous managers promises were pure XXXX, and that they cant do that. He then gives me his word that I would receive my wire deposit into my checking account either on Saturday ( XXXX ) or Monday at the absolute latest ( the XXXX ). No deposit on Saturday, no deposit on Monday, I call again today ( the XXXX ), none of the managers who promised to call me back the previous day actually called me back. Eventually I am put through to another escalation specialist who informs me that numerous agents since the XXXX had issued additional stop payments on the old checks that were already stop pay 'd on the XXXX. They informed me that because of their ignorance on how to do their own job, that it reset my wire transfer from going out by another 5 business days. On the XXXX I was alsocconnected with Escrow manager XXXX XXXX. She informed me that my wire had still not gone out, that no one had an answer for me and no one could tell me when it would go out, even though it is now beyond the 5 business day limit since it was initiated. She promised me that she would have someone from accounting call me back today, to resolve my issue regarding the infinitely delayed wire transfer. She never called back, she never emailed me back, and no one called back regarding my very delayed wire transfer. Mr copper 's employers including its Escrow manager ( XXXX XXXX ), and its escalation manager ( XXXX XXXX ) are liars and deceivers. Their word ( documented in Email, and recorded voice conversations ) is absolutely worthless, and they are purposely drawing out the process to spite me. They have offered no resolutions to getting me my now very late wire refund, and have said it will be indefinitely extended by 5 business days for every time one of their employees processed another stop pay on the same checks from the first round they incorrectly sent out on the XXXX. I will be attaching all copies of all email communication between myself, and the various managers and escalation specialist of Mr. Cooper so all may see that they are liars and care nothing for the average person who needs the money in that escrow refund. Mr. Cooper is the worst mortgage lender on earth, and it is to no surprise that they used to be Nationstar which was so heavily sued that they had to rebrand to escape the negative image attached to their prior business name.
Company Response: Closed with explanation

Timely Response

2019-08-28

Chester, NY

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account information incorrect
Company Response: Closed with explanation

Timely Response

2019-08-28

Woodland, GA

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2019-08-28

Mason, MI

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2019-08-28

Homer Glen, IL

Trouble during payment process

Mortgage: VA mortgage

Company Response: Closed with explanation

Timely Response

2019-08-27

WI

Lost or stolen check

Money transfer, virtual currency, or money service: Refund anticipation check

Complaint: Dear Consumer Financial Protection Bureau Had sold my house in XX/XX/2018, than few months later I received a check from my Mortgage company, ( Pacific Union Financial ) Balance of over payment of Taxes, Than I was out of the country on XXXX work and the check was placed in a drawer and 1 year was gone on this check, so my local bank said I need to just get the check re issued, so I tried contacting Pacific Union to get my Check ( money ) reissued to me, but I find out the Pacific union was bought out from MR COOPER, so I called them and they told Me no problem Mr. XXXX XXXX the check will be re issued, so 2 months go buy and still no check .. and today I called back the newly owned Company MR COOPER and they inform me that the money wont be re Issued because of a bankruptcy I had many years ago? and I said the house never was part of my bankruptcy and had nothing to do with this already issued check, and so I called my Attorney and was informed to Contact this agency. XXXX XXXX XXXX out of XXXX Wisconsin, I was informed even if it was anything to do with a bankruptcy it would get returned to the trustee. this Check ( XXXX dollors ) is My money Not Mr. Cooper, This is A check that already is a issued check from Pacific Union Financial Bank, closing statement on my personal residence house. the check is just now over 1 year old I was gone on XXXX work and went unnoticed. I asking for the Bank MR Cooper who purchased Pacific Union to RE - Issue this check, if not issued in a timely manor to pay me my added expense 's for my time and inconveniences to the law .. Thank You XXXX XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX XXXX XXXX Make Check Payable to XXXX XXXX XXXX {$120.00} dollors -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Pacific Union Financial original loan holder now is MR COOPER XXXX XXXX XXXX XXXX, TX XXXX - XXXX Mr. cooper XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX. XXXX Mr. cooper complaint address att. customer relations XXXX XXXX XXXX XXXX tx. XXXX Mr. Cooper phone - XXXX If you need any more information you can please e-mail my personal e mail - XXXX Thank you XXXX XXXX XXXX
Company Response: Closed with explanation

Timely Response

2019-08-27

Applying for a mortgage or refinancing an existing mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2019-08-27

Rock Spring, GA

Problem with the payoff process at the end of the loan

Payday loan, title loan, or personal loan: Installment loan

Company Response: Closed with explanation

Timely Response

2019-08-27

New Iberia, LA

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2019-08-26

Yorba Linda, CA

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2019-08-26

VA

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: 3 times in the last 6 months they are processing my regular payment as a principal payment. Then, my next bill will show that I owe twice as much and that it's overdue and clearly show my principal payment that I made just several days before my due date. Each time they have to reverse my principal payment and turn it into a regular payment. And then send a note again to their billing sang that all my payments go towards regular payments. This is now happened multiple times they can't seem to get it right
Company Response: Closed with explanation

Timely Response

2019-08-26

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Information belongs to someone else
Company Response: Closed with explanation

Timely Response

2019-08-26

Anaheim, CA

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: Property Address : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX I am writing to you to request specific itemized information about the accounting and servicing of my mortgage and of my need for understanding and clarification of various charges, credits, debits, transactions, actions, payments, analyses and records related to the servicing of my loan from its inception to the present date. I am disputing the validity of the current debt you claim that I owe. To independently validate this debt, I need to conduct a complete exam, audit, review and accounting of my mortgage loan from its inception until the present date. Upon receipt of this letter, please refrain from reporting any negative credit information to any credit reporting agencies until you respond to my requests. I also request that you conduct your own investigation and audit of my account since its inception to validate the debt you claim I owe you is accurate to the XXXX. Please do not rely on previous servicers or originators assurances or indemnity agreements and refuse to conduct a full audit and investigation of my account. I want to insure that I or [ we ] have not been the victim of such predatory practices. To insure this, I have authorized a thorough review, examination, accounting and audit of my mortgage at XXXX XXXX XXXX XXXX , XXXX XXXX CA, XXXX by predatory lending experts. This exam and audit will review my mortgage loan file from the date of my initial contact, application and the origination of my loan to the present date written above. As such, please treat this letter as a Qualified Written Request under the Real Estate Settlement Procedures Act, codified as Section 2605 ( e ) of Title 12 of the United States Code. As you know, RESPA provides substantial penalties and fines for non-compliance or answers to my questions provided in this letter within sixty [ 60 ] days! In order to conduct this examination and audit, I need to have full and immediate disclosure including copies of all pertinent information regarding my loan. The documents requested and answers to questions are needed by my counsel and the predatory lending experts retained to insure that my loan : Was originated in lawful compliance with all federal and state laws, regulations including, but not limited to RESPA, HOEPA and other laws ; That any sale or transfer of my loan was conducted in accordance with proper laws and was a true sale of my note ; That the claimed holder in due course of my promissory note and deed of trust is holding such note in compliance with State and Federal laws and is entitled to the benefits of my payments ; That all appropriate disclosures of terms, costs, commissions, rebates, kickbacks, fees etc. Were properly disclosed to me at the inception of my loan ; That each servicer and sub-servicer of my mortgage has serviced my mortgage in accordance with the terms of my mortgage, promissory note and/or deed of trust ; That each servicer and sub-servicer of my mortgage has serviced my mortgage in compliance with local, state and federal statutes, laws and regulations ; That my loan has properly been credited, debited, adjusted, amortized and charged correctly ; That interest and principal have been properly calculated and applied to my loan ; That my principal balance has been properly calculated and accounted for ; That no charges, fees or expenses, not obligated by me in any agreement, have been charged or assessed to or collected on my account ; In order to validate my debt and audit my account, I need copies of pertinent documents to be provided and answers in writing to various servicing questions to be sent to me and/or to my representative : ( REPRESENTATIVES NAME, ADDRESS, PHONE & FAX # ) For each record kept on computer or in any other electronic file or format, please provide a paper copy of all information in each field or record in each computer system, program or database used by you that contains any information on my account. As such, please send to me, at the address above, copies of the documents requested below as soon as possible. Please provide me copies of : 1. All data, information, notations, text, figures and information contained in your mortgage servicing and accounting computer systems including, but not limited to XXXX XXXX system, any system by XXXX or any other similar mortgage servicing software used by you, any servicers, or sub-servicer of my mortgage account from the inception of my loan to the date written above. 2. All descriptions and legends of all Codes used in your mortgage servicing and accounting system so that the examiners, auditors and experts retained to audit and review my mortgage account may properly conduct their work. 3. All purchase and sale of mortgage agreements, sale or transfer of servicing rights or other similar agreement related to any assignment, purchase or sale of my mortgage loan or servicing rights by you, any broker, affiliate company, parent company, servicers, bank, government sponsored enterprise, sub-servicers, mortgage broker, mortgage banker or any holder of any right related to my mortgage, promissory note and deed of trust from the inception of my loan to the present date. 4. All prospectus related to the sale or transfer of my note, deed of trust, mortgage and servicing rights or other similar agreement related to any assignment, purchase or sale of my mortgage loan or servicing rights by you, any broker, affiliate company, parent company, servicers, bank, government sponsored enterprise, sub-servicers, mortgage broker, mortgage banker or any holder of any right related to my mortgage, promissory note and deed of trust from the inception of my loan to the present date. 5. All assignments, transfers, alonges, or other document evidencing a transfer, sale or assignment of my mortgage, deed of trust, promissory note or other document that secures payment by me to my obligation in this account from the inception of my loan to the present date. 6. All deeds in lieu, modifications to my mortgage, promissory note or deed of trust from the inception of my loan to the present date. 7. The front and back of each and every canceled check, money order, draft, debit or credit notice issued to any servicer of my account for payment of any monthly payment, other payment, escrow charge, fee or expense on my account. 8. All escrow analyses conducted on my account from the inception of my loan until the date of this letter ; 9. The front and back of each and every canceled check, draft or debit notice issued for payment of closing costs, fees and expenses listed on my disclosure statement including, but not limited to, appraisal fees, inspection fees, title searches, title insurance fees, credit life insurance premiums, hazard insurance premiums, commissions, attorney fees, points, etc. 10. Front and back copies of all payment receipts, checks, money orders, drafts, automatic debits and written evidence of payments made by me or by others on my account. 11. All letters, statements and documents sent to me by your company ; 12. All letters, statements and documents sent to me by agents, attorneys or representatives of your company ; 13. All letters, statements and documents sent to me by previous servicers, sub-servicers or others in your loan file or in your control or possession or in the control or possession of any affiliate, parent company, agent, sub-servicer, servicer, attorney or other representative of your company. 14. All letters, statements and documents contained in my loan file or imaged by you, any servicer or sub-servicers of my mortgage from the inception of my loan to present date. 15. All electronic transfers, assignments, sales of my note, mortgage, deed of trust or other security instrument. 16. All copies of property inspection reports, appraisals, BPOs and reports done on my property. 17. All invoices for each charge such as inspection fees, BPOs, appraisal fees, attorney fees, insurance, taxes, assessments or any expense which has been charged to my mortgage account from the inception of my loan to the present date. 18. All checks used to pay invoices for each charged such as inspection fees, BPOs, appraisal fees, attorney fees, insurance, taxes, assessments or any expense which has been charged to my mortgage account from the inception of my loan to the present date. 19. All agreements, contracts and understandings with vendors that have been paid for any charge on my account from the inception of my loan to the present date. 20. All loan servicing records, payment payoffs, payoff calculations, ARM audits, interest rate adjustments, payment records, transaction histories, loan histories, accounting records, ledgers, and documents that relate to the accounting of my loan from the inception of my loan until present date? 21. All loan servicing transaction records, ledgers, registers and similar items detailing how my loan has been serviced from the from the inception of my loan until present date? Further, in order to conduct the audit and review of my account, and to determine all proper amounts due, I need the following answers to questions concerning the servicing and accounting of my mortgage account from its inception to the present date. Accordingly, can you please provide me, in writing, the answers to the questions listed below. LOAN ACCOUNTING & SERVICING SYSTEMS 1 ) Please identify for me each loan accounting and servicing system used by you and any sub-servicer or previous servicer from the inception of my loan to the present date? 2 ) For each loan accounting and servicing system identified by you and any sub-servicer or previous servicer from the inception of my loan to the present date, please provide the name and address of the company or party that designed and sold the system? 3 ) For each loan accounting and servicing system used by you and any sub-servicer or previous servicer from the inception of my loan to the present date, please provide the complete transaction code list for each system. DEBITS & CREDITS 1 ) In a spreadsheet form or in letter form in a columnar format, please detail for me each and every credit on my account and the date such credit was posted to my account as well as the date any credit was received. 2 ) In a spreadsheet form or in letter form in a columnar format, please detail for me each and every debit on my account and the date such credit was posted to my account as well as the date any debit was received. 3 ) For each debit or credit listed, please provide me with the definition for each corresponding transaction code you utilize? 4 ) For each transaction code, please provide us with the master transaction code list used by you or previous servicers. MORTGAGE & ASSIGNMENTS 1 ) Has each sale, transfer or assignment of my mortgage or promissory note or any other instrument I executed to secure my debt been recorded in the county property records in the county and state in which my property is located from the inception of my loan to the present date? Yes or No? 2 ) If no, why? 3 ) Have any sales, transfers or assignments of my mortgage or promissory note or any other instrument I executed to secure my debt been recorded in any electronic fashion such as XXXX or other internal or external system from the inception of my loan to the present date? Yes or No? 4 ) If yes, please detail for me the names of each seller, purchaser, assignor, assignee or any holder in due course to any right or obligation of any note, mortgage, deed or security instrument I executed securing the obligation on my account that was not recorded in the county records where my property is located. ATTORNEY FEES 1 ) For purposes of my questions below dealing with attorney fees, please consider the terms attorney fees and legal fees to be one in the same. 2 ) Have attorney fees ever been assessed to my account from the inception of my loan to the present date? 3 ) If yes, please detail each separate assessment of attorney fees to my account from the inception of my loan to the present date and the date of such assessment to my account? 4 ) Have attorney fees ever been charged to my account from the inception of my loan to the present date? 5 ) If yes, please detail each separate charge of attorney fees to my account from the inception of my loan to the present date and the date of such charge to my account? 6 ) Have attorney fees ever been collected from my account from the inception of my loan to the present date? 7 ) If yes, please detail each separate collection of attorney fees from my account from the inception of my loan to the present date and the date of such collection from my account? 8 ) Please provide for me the name and address of each attorney or law firm that has been paid any fees or expenses related to my account from the inception of my loan to the present date? 9 ) Please identify for me in writing the provision, paragraph, section or sentence of any note, mortgage, deed of trust or any agreement I signed authorized the assessment or collection of attorney fees? 10 ) Please detail and list for me in writing each separate attorney fee assessed to my account and for which corresponding payment period or month such late fee was assessed from the inception of my loan to present date. 11 ) Please detail and list for me in writing each separate attorney fee collected from my account and for which corresponding payment period or month such late fee was collected from the inception of my loan to present date. 12 ) Please detail and list for me in writing any adjustments in attorney fees assessed and on what date such adjustment was made and the reasons for such adjustment. 13 ) Please detail and list for me in writing any adjustments in attorney fees collected and on what date such adjustment were made and the reasons for such adjustment. 14 ) Has interest been charged on any attorney fee assessed or charged to my account? Yes or No? 15 ) Is interest allowed to be assessed or charged on attorney fees charged or assessed to my account? Yes or No? 16 ) How much in total attorney fees have been assessed to my account from the inception of my loan until present date? $ ____________ 17 ) How much in total attorney fees have been collected on my account from the inception of my loan until present date? $ __________ SUSPENSE/UNAPPLIED ACCOUNTS 1 ) For purposes of this section, please treat the term suspense account and unapplied account as one in the same. 2 ) Has there been any suspense or unapplied account transactions on my account from the inception of my loan until present date? 3 ) If yes, why? If no, please skip the questions in this section dealing with suspense and unapplied accounts. 4 ) In a spreadsheet or in letterform in a columnar format, please detail for me each and every transaction, both debits and credits that has occurred on my account from the inception of my loan until present date? LATE FEES 1 ) For purposes of my questions below dealing with late fees, please consider the terms late fees and late charges to be one in the same. 2 ) Have you reported the collection of late fees on my account as interest in any statement to me or to the IRS? Yes or No? 3 ) Has any previous servicer or sub-servicer of my mortgage reported the collection of late fees on my account as interest in any statement to me or to the IRS? Yes or No? 4 ) Do you consider the payment of late fees as liquidated damages to you for not receiving my payment on time? Yes or No? 5 ) Are late fees considered interest? Yes or No? 6 ) Please detail for me in writing what expenses and damages you incurred for any payment I made that was late. 7 ) Were any of these expenses or damages charged or assessed to my account in any other way? Yes or No? 8 ) If yes, please describe what expenses or charges were charged or assessed to my account? 9 ) Please describe for me in writing what expenses you or others undertook due to any payment I made which was late? 10 ) Please describe for me in writing what damages you or others undertook due to any payment I made which was late? 11 ) Please identify for me in writing the provision, paragraph, section or sentence of any note, mortgage, deed of trust or any agreement I signed authorized the assessment or collection of late fees? 12 ) Please detail and list for me in writing each separate late fee assessed to my account and for which corresponding payment period or month such late fee was assessed from the inception of my loan to present date. 13 ) Please detail and list for me in writing each separate late fee collected from my account and for which corresponding payment period or month such late fee was collected from the inception of my loan to present date. 14 ) Please detail and list for me in writing any adjustments in late fees assessed and on what date such adjustment was made and the reasons for such adjustment. 15 ) Please detail and list for me in writing any adjustments in late fees collected and on what date such adjustment was made and the reasons for such adjustment. 16 ) Has interest been charged on any late fee assessed or charged to my account? Yes or No? 17 ) Is interest allowed to be assessed or charged on late fees charged or assessed to my account? Yes or No? 18 ) Have any late charges been assessed to my account? Yes or No? 19 ) If yes, how much in total late charges have been assessed to my account from the inception of my loan until present date? $ ____________ 20 ) Please provide me with the exact months or payment dates you or other previous servicers of my account claim I have been late with a payment from the inception of my loan to the present date. 21 ) Have late charges been collected on my account from the inception of my loan until present date? Yes or No? 22 ) If yes, how much in total late charges have been collected on my account from the inception of my loan until present date? $ __________ PROPERTY INSPECTIONS 1 ) For purposes of this section property inspection and inspection fee refer to any inspection of my property by any source and any related fee or expense charged for such inspection. 2 ) Have any property inspections been conducted on my property from the inception of my loan until the present date? 3 ) If your answer is no, you can skip the rest of these questions in this section concerning property inspections? 4 ) If yes, please tell me the date of each property inspection conducted on my property that is the secured interest for my mortgage, deed or note? 5 ) Please tell me the price charged for each property inspection? 6 ) Please tell me the date of each property inspection? 7 ) Please tell me the name and address of each company and person who conducted each property inspection on my property? 8 ) Please tell me why property inspections were conducted on my property? 9 ) Please tell me how property inspections are beneficial to me. 10 ) Please tell me how property inspections are protective of my property. 11 ) Please explain to me your policy on property inspections. 12 ) Do you consider the payment of inspection fees as a cost of collection? Yes or No? 13 ) If yes, why? 14 ) Do you use property inspections to collect debts? Yes or No? 15 ) Have you used any portion of the property inspection process on my property to collect a debt or inform me of a debt, payment or obligation I owe? 16 ) If yes, please answer when and why? 17 ) Please identify for me in writing the provision, paragraph, section or sentence of any note, mortgage, deed of trust or any agreement I signed authorized the assessment or collection of property inspection fees? 18 ) Have you labeled in any record or document sent to me a property inspection as a misc. advance? Yes or No? 19 ) If yes, why? 20 ) Have you labeled in any record or document sent to me a property inspection as a legal fee or attorney fee? Yes or No? 21 ) If yes, why? 22 ) Please detail and list for me in writing each separate inspection fee assessed to my account and for which corresponding payment period or month such fee was assessed from the inception of my loan to present date. 23 ) Please detail and list for me in writing each separate inspection fee collected from my account and for which corresponding payment period or month such fee was collected from the inception of my loan to present date. 24 ) Please detail and list for me in writing any adjustments in inspection fees assessed and on what date such adjustment was made and the reasons for such adjustment. 25 ) Please detail and list for me in writing any adjustments in inspection fees collected and on what date such adjustment was made and the reasons for such adjustment. 26 ) Has interest been charged on any inspection fees assessed or charged to my account? Yes or No? 27 ) If yes, when and how much was charged? 28 ) Is interest allowed to be assessed or charged on inspection fees charged or assessed to my account? Yes or No? 29 ) How much in total inspection fees have been assessed to my account from the inception of my loan until present date? $ ____________ 30 ) How much in total inspection fee have been collected on my account from the inception of my loan until present date? $ __________ BPO FEES 1 ) Have any BPOs [ Brokers Price Opinions ] been conducted on my property? 2 ) If yes, please tell me the date of each BPO conducted on my property that is the secured interest for my mortgage, deed or note? 3 ) Please tell me the price of each BPO? 4 ) Please tell me who conducted each BPO? 5 ) Please tell me why BPOs were conducted on my property 6 ) Please tell me how BPOs are beneficial to me. 7 ) Please tell me how BPOs are protective of my property. 8 ) Please explain to me your policy on BPOs. 9 ) Have any BPO fees been assessed to my account? Yes or No? 10 ) If yes, how much in total BPO fees have been assessed to my account? $ ________ 11 ) Have any BPO fees been charged to my account? Yes or No? 12 ) If yes, how much in total BPO fees have been charged to my account? $ ______ 13 ) Please tell me specifically what clause, paragraph and sentence in my note, mortgage or deed of trust or any agreement I have executed allows you to assess, charge or collect a BPO fee from me. SERVICING RELATED QUESTIONS For each of the following questions listed below, please provide me with a detailed explanation in writing that answers each question : In addition, I need the following answers to questions concerning the servicing of my mortgage account from its inception to the present date. Accordingly, can you please provide me, in writing, the answers to the questions listed below : 1 ) Did the originator of my loan have any financing agreements or contracts with your company? 2 ) Did the originator of my loan have a warehouse loan agreement or contract with your company? 3 ) Did the originator of my loan receive any compensation, fee, commission, payment, rebate or other financial consideration from your company or any affiliate of your company for handling, processing, originating or administering my loan? If yes, please describe and itemize each and every form of compensation, fee, commission, payment, rebate or other financial consideration paid to the originator of my loan by your company or any affiliate. 4 ) Please identify for me where the originals of my entire loan file are currently located and how they are being stored, kept and protected? 5 ) Where is the original promissory note or mortgage I signed located? Please describe its physical location and anyone holding this note as a custodian or trustee if applicable. 6 ) Where is the original deed of trust I signed located? Please describe its physical location and anyone holding this note as a custodian or trustee if applicable. 7 ) Since the inception of my loan, has there been any assignment of my promissory note or mortgage to any other party? If the answer is yes, would you kindly identify the names and addresses of each and every individual, party, bank, trust or entity that has received such assignment. 8 ) Since the inception of my loan, has there been any assignment of my deed of trust to any other party? If the answer is yes, would you kindly identify the names and addresses of each and every individual, party, bank, trust or entity that has received such assignment. 9 ) Since the inception of my loan, has there been any sale or assignment of servicing rights to my mortgage loan to any other party? If the answer is yes, would you kindly identify the names and addresses of each and every individual, party, bank, trust or entity that has received such assignment or sale. 10 ) Since the inception of my loan, has any sub-servicer serviced any portion of my mortgage loan? If the answer is yes, would you kindly identify the names and addresses of each and every individual, party, bank, trust or entity that has sub-serviced my mortgage loan. 11 ) Has my mortgage loan been made a part of any mortgage pool since the inception of my loan? If yes, please identify for me each and every loan mortgage pool that my mortgage has been a part of from the inception of my loan to the present date. 12 ) Has each and every assignment of my mortgage or promissory note been recorded in the county land records where the property associated with my mortgage loan is located? 13 ) Has there been any electronic assignment of my mortgage with XXXX or any other computer mortgage registry service or computer program? If yes, please identify the name and address of each and every individual, 14 ) Have there been any investors who have participated in any mortgage backed security, collateral mortgage obligation or other mortgage security instrument that my mortgage loan has ever been a part of from the inception of my mortgage to the present date? If yes, please identify the name and address of each and every individual, entity, organization or 15 ) Please identify for me the parties and their addresses to all sales contracts, servicing agreements, assignments, alonges, transfers, indemnification agreements, recourse agreements and any agreement related to my loan from its inception to the current date written above. 16 ) Please provide me with copies of all sales contracts, servicing agreements, assignments, alonges, transfers, indemnification agreements, recourse agreements and any agreement related to my loan from its inception to the current date written above. Please provide me with the documents I have requested and a detailed answer to each of my questions within the required lawful time frame. Upon receipt of the documents and answers, an exam and audit will be conducted that may lead to a further document request and answers to questions under an additional QWR letter. Copies of this Qualified Written Request, Validation of Debt, request for accounting and legal records, Dispute of Debt letter is being sent to HUD, all relevant state and federal regulators ; local predatory lending task forces ; other consumer advocates ; my congressman and various class action law firms and lawyers referred to me. It is my hope that you can answer my questions, document and validate my debt to the XXXX and correct and make right any errors uncovered. Thanks XXXX XXXX XXXX XXXX
Company Response: Closed with explanation

Timely Response