NATIONSTAR MORTGAGE

2019-08-09

Lathrup Village, MI

Trouble during payment process

Mortgage: FHA mortgage

Company Response: Closed with explanation

Timely Response

2019-08-09

Savannah, GA

Struggling to pay mortgage

Mortgage: FHA mortgage

Company Response: Closed with explanation

Timely Response

2019-08-09

Struggling to pay mortgage

Mortgage: FHA mortgage

Company Response: Closed with explanation

Timely Response

2019-08-09

Litchfield, AZ

Applying for a mortgage or refinancing an existing mortgage

Mortgage: VA mortgage

Company Response: Closed with explanation

Timely Response

2019-08-09

Bay Point, CA

Applying for a mortgage or refinancing an existing mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2019-08-08

Walnut Shade, MO

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2019-08-08

PA

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: XXXX XXXX XXXX of Pennsylvania XXXX PA and Texas CFPB sent over a complaint I am writing you to file a complaint against Mr. Cooper ( Nationstar ) a Mortgage Loan Servicer based in Texas. I have also copied the XXXX of Texas and State Attorney General in Pennsylvania and Texas as well as the CFPB. As an older American, I have always tried to pay my obligations in a timely manner, and if I was unable, I work with creditor to workout mutually agreeable arrangements. I thought I had such an agreement in Good Faith with Mr. Cooper on a loan modification on my home at XXXX XXXX XXXX XXXX PA XXXX loan Number XXXX. Here is a timeline of events XX/XX/XXXX I Paid my {$730.00} on line put the account number and banking info there system XX/XX/XXXX Asked for help on my loan payment still did not come out of checking Per Mr. Cooper it was put in wrong. I had to put the bank info in and checking account in twice. Im very capable of put the numbers in correctly. XX/XX/XXXX Mr. Cooper agreed to a modification at the amount of {$730.00} XXXX, I called and they agreed to payment of {$730.00}. They Said to me the XXXX was a Sunday and it should be ok. It was not they denied my modification and kept denying it. XX/XX/XXXX, I noticed the amount was not taken out and called Mr. Cooper and spoke to XXXX XXXX she advised to wait for a day since it was month end to allow Mr. cooper to process the payment, She then saw they denied me and told me to apply again. I was denied again. She told me to Appeal the decision they denied me again. XXXX The payment was taken out and I received call or letter denying my modification and requiring a full payment of {$6800.00} XX/XX/XXXX, I spoke with XXXX XXXX and told them I am on a fixed income and could not come up with that amount and asked that the modification denial be reviewed for an appeal. I sent an appeal letter in to Mr. Cooper explaining what happen. XX/XX/XXXX I was informed the appeal was denied and payment in full of {$5000.00} was due at the end of XX/XX/XXXX or I would be put in foreclosure, I feel like I made an arrangement in good faith with Mr. Cooper, and took extra steps to not only to confirm the arrangement, and receipt of my first payment under the arrangement, but the company misrepresented the original deal and added additional fees and cost with the threat of foreclosure without a lump sum payment. You hear some much in the news these days on people avoiding their financial obligations, but I worked out a deal and I feel the company used the old bait and switch to put an even greater financial burden on a senior citizen I have lost faith in this companys ability to process information or respond timely and accurately. They have denied me my rights as a consumer to the protections afforded to me and I am writing you to take some action. I can not imagine I am the only person this has happened to at the hands of this Mega Servicer Mr. Cooper. Please view this request as a concerned individual homeowner who just wants to pay her bills as originally agreed to by this servicer. I want my modification put back. It was no fault of mine. I did what I was asked. Please contact me directly if you need any additional information, Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Loan # XXXX
Company Response: Closed with explanation

Timely Response

2019-08-08

Traver, CA

Struggling to pay mortgage

Mortgage: FHA mortgage

Complaint: Since XX/XX/2019 I have been attempting to get my loan modification with Mr.Cooper. unfortunately they have continued to delay and stall all of my attempts. I will first get letters stating that they have ALL docs. Then later I need to resubmit the entire packet over again. I have been getting this same run around for now 4months. The most recent stall tactic was on the XXXX of XX/XX/2019. While my case was in underwriting, they paused it again for the 8th time. Staing now they needed a legible 1099? When 4 months ago it was acceptable!! Then prior they said the IRS form for my 1040 was never received!!! I took days off of work, just to get to the IRS to be told that the IRS did send requested Docs. I lost my day salary and to add injury to insult this FHA loan was sold to XXXX XXXX after XXXX of XXXX. Still NO MODIFICATION. THIS IS against RESPA and HUD. I also had HUD to make contact with them and I was assured that my modification would be completed. Once HUD closed my case based off of mr Cooper, they reversed everything and I am back to getting absolutely nothing done. Can you please assist me with this. I lost my second source of income and get no other funds only my job income.XXXX mouths to feed ect. And don't want to lose my home waiting on them.
Company Response: Closed with explanation

Timely Response

2019-08-08

Shalimar, FL

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: This involves 2 companies & has been ongoing & I have made EVERY Human effort to resolve & neither one completed what I sent in & now i am faced with losing my home of over 24 yrs. as a senior & XXXX person. In the hospital in XXXX XXXX I notified all creditors- I was very ill - yet only 1 month behind with XXXX XXXX XXXX They lost part of my money order payment & totally messed up this account- by de-escrowing -which took me forever to correct.- among other situations. I qualified for this loan & it was with XXXX & then transferred to XXXX. I applied for a loan modification as I wanted to shorten the time frame. i sent everything in & they dropped the ball & in approx. mid XXXX transferred this loan to Nationstar Mortgage. The nightmare began. They stated that XXXX said to foreclose-IN THE MIDDLE OF A LOAN MOD?? I never got proof of that & was told that I had to apply with Nationstar- I had continued making my payments from the very beginning of this loan.Only when Nationstar got this loan were my payments NEVER posted & then returned. Every month I sent in my payments - they put in a suspense file & this has continued for quite awhile. I put in a loan modification with Naitonstar & they sent me information needed AFTER THE DEADLINE to get to them.They then filed to foreclose on me in approx. XXXX. XXXX..I have had to fight with them for for over 3.5 yrs.to get a loan modification. I have sent ALL info. in over & over again & yet they still have not granted me this loan mod. of which I am QUALIFIED to pay.They state : update needed ; incomplete ; expired form ; etc. I have repeatedly sent in the same info in again & again. They sent me back some checks & I returned to them - I have had to be at several hearings.They then transferred or changed their name to Mr. Cooper & nothing has changed. I have continued to request this modification & the last time in approx.late XXXX or early XXXX with only supposenly one item they wanted- I sent it in again & have been in constant contact & they stated they did not receive it. That is false & I appealed their denial for being in- complete. They were to let me know something & have not & had a summary judgement hearing & set a foreclosure sale for XXXX XXXX, XXXX.I was told not to send in anymore payments in XXXX XXXX by them- thinking that the loan mod. was forthcoming & it was not. I updated all info. for them so many times- no one else would ever have fought like I have.They have added in so many fees from day one & rejected my payments to cause the current situation. If I just did not pay that is one thing but that has NEVER been the case.I have never cheated anyone & just want to keep my home & get this loan modification.I had 3 loan modifications with another company & it was quick & I am current & have been> I qualified with XXXX XXXX on this house & on this loan as well- Why would I even need to qualified again????? Never I have done everything needed & desperately need your help. Thank you. XXXX XXXX XXXX XXXX # XXXX & prev. with XXXX.
Company Response: Closed with explanation

Timely Response

2019-08-07

Grosse Ile, MI

Struggling to pay mortgage

Mortgage: Reverse mortgage

Complaint: I got a reverse mortgage in approximately 2006. I can't state that I was informed about the taxes I am not sure. Champion Mortgage now has the loan and I would pay the taxes then I would make payments to repay the amount. They are charging me for homeowners when I have been paying homeowners since I bought the home. I have informed Champion and I am sure that a lot of what they are trying to foreclose on is the insurance. No one there took any interest in what I had to say. I am XXXX and need help. The company looked into the taxes that was owed but did not show any credit for all the years of home owners insurance I paid since 2006.
Company Response: Closed with explanation

Timely Response

2019-08-07

Palos Verdes Estates, CA

Trouble during payment process

Mortgage: Other type of mortgage

Company Response: Closed with explanation

Timely Response

2019-08-07

San Diego, CA

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2019-08-07

Northville, MI

Incorrect information on your report

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2019-08-06

Hon, HI

Trouble during payment process

Mortgage: Reverse mortgage

Company Response: Closed with explanation

Timely Response

2019-08-06

Damascus, PA

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2019-08-06

Saint Germain, WI

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: Please see the attached statement of payment activity from Mr. Cooper. On XX/XX/XXXX, I received an email from Mr. Cooper stating that my payment had been posted. I checked to see if my XXXX payment had been posted correctly. It had. They showed that {$500.00} had been applied to principle along with the additional {$600.00} that I had sent. The principle balance showed as {$140000.00}. This morning, I received another email saying that my XXXX payment had been posted. Only, this time, this time, there are four new entries. They cancelled out the original posting, and lowered the principle payment to {$500.00} along my {$600.00} additional payment, but now, the principle balance is {$140000.00}. The balance is now {$860.00} higher than what it was before. JUST WHAT IS GOING ON!! As I said before, it is high time for Mr. Cooper to be audited. How many other people are they cheating out of their money?? Also, my original complaint against Mr. Cooper has not been resolved. My {$1200.00} additional principle payment from XXXX still has not been applied to my account. I have not received a reply from XXXX XXXX concerning the {$450.00} in legal fees that she claims that I owe, when the trustee of the bankrupty had already paid it. I made two attachments. I don't see where they are attached.
Company Response: Closed with explanation

Timely Response

2019-08-06

PA

Trouble during payment process

Mortgage: FHA mortgage

Complaint: Mr. COOPER continues violating government requirements by not sending monthly mortgage statements, as they assured and are required to do. Since they have purchased of my mortgage it has been necessary for me to file three ( 3 ) complaints previously ( listed below ). Now, I have only received one ( 1 ) mortgage statement since the initial payment due date of XX/XX/2019. XXXX ( XX/XX/19 ) XXXX ( XX/XX/19 ) XXXX ( XX/XX/19 )
Company Response: Closed with explanation

Timely Response

2019-08-06

Newnan, GA

Incorrect information on your report

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

Information is missing that should be on the report
Complaint: I asked that my mortgage be reported to proper credit agency. If I am making my mortgage payments on and before time, I deserve to have them reported. Please help.
Company Response: Closed with explanation

Timely Response

2019-08-06

Glenarden, MD

Struggling to pay mortgage

Mortgage: Other type of mortgage

Company Response: Closed with explanation

Timely Response

2019-08-06

Mechanicsville, VA

Struggling to pay mortgage

Mortgage: FHA mortgage

Company Response: Closed with explanation

Timely Response

2019-08-06

Gold River, CA

Struggling to pay mortgage

Mortgage: FHA mortgage

Company Response: Closed with explanation

Timely Response

2019-08-06

IL

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: I changed my banking apps and when I filled in the address for my mortgage company I used the address on the letter head not realizing it was different than the address on the payment slip. When I made my first two payments on XX/XX/XXXX and XX/XX/XXXX they were sent to the wrong place. The problem is they cashed the checks and never put them towards my account. I have sent copies of cashed checks, had a three way call with the mortgage company my bank and myself confirming the money had been transferred, and a letter written by my bank all confirming they had received the money. The payment on XX/XX/XXXX was for XXXX and the payment on XX/XX/XXXX was for XXXX
Company Response: Closed with explanation

Timely Response

2019-08-06

Palos Park, IL

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2019-08-05

Macomb, MI

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2019-08-05

Ft Lauderdale, FL

Trouble during payment process

Mortgage: FHA mortgage

Complaint: My mortgage is with mr cooper mortgage company. My homeowners insurance payment was due XX/XX/12. It has yet to be paid apparently because they have my home listed as a condo and not a free standing home. Both myself and my insurance agent have spent HOURS on the phone. My insurance is to be cancelled Friday for non payment. My calls average over 1hour and I keep getting promised that it will be fixed and I will get called back. That the supervisors that I have spoken to will handle it and you cant even get them back on the phone.
Company Response: Closed with explanation

Timely Response