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 25
2019-07-30
Oxford, GA
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Complaint: In XXXX XXXX my mortgage company was sold to Mr. Cooper. Before it was, I had an agreement with my company that as long as I was making the payment every month, they would not penalize me for an owed amount from the past. I filed bankruptcy two years ago and wanted to keep my house. I owed {$8000.00} and they agreed to keep it to the end of the loan. When Mr. Cooper took over the loan, they put it on the front of the loan and considered me more than a year overdue. When I asked them for a modification, XX/XX/XXXX, they told me I did not need to give them any information. About a month later, they denied me say they could not adjust the interest or principle. The funny thing is they never asked me for anything, but sent me a letter saying they got the " borrower response package '' I sent them. Next I tried to refinance, but no other company will refinance me because Mr. Cooper says I am a year behind. I tried to refinance with Mr. Cooper. I called and emailed at the beginning of XXXX. I received information that someone would be contacting me soon. I never heard from anyone even though I tried again to contact someone. Last week, I received a letter from a legal company saying I owe the full overdue amount and the full mortgage amount. Basically, this appears to be a foreclosure letter. My husband called Mr. Cooper today, they told him they would have someone call me about refinancing, " again '', and that most likely they won't because now we are over {$8000.00} behind. It almost feels like all of this was planned from the beginning. Like they have wanted to take my house from the start. They are crooked and a bunch of fraudulent people. Nothing they have promoted to me has happened and nothing they promised has happened. I was told the phone number I had was my loan specialists, but it is just a main operator phone number. My so called loan specialists never answers the phone. I was also promised that they would do everything they could to help, they have done nothing but said no from the start. I am going to lose my house, have no place to live or for my grandchildren to live, and it is all because of one crooked mortgage company.
Company Response: Closed with explanation
2019-07-30
San Gabriel, CA
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: I requested information on how to remove Private Mortgage Insurance ( PMI ) from my mortgage loan. I was told I needed to have my home appraised in order to do this. Mr. Cooper ( my mortgage company ) sent an appraiser to appraise my home and they appraised my home at {$770000.00} on XX/XX/2019. I was charged {$520.00} for the appraisal.
I received a letter from Mr. Cooper denying removal of PMI because my loan to value was not within 80 % of the " original value '' ( {$680000.00} ) of my home.
My complaint is that if they are going by the original value of my home, then there would never be a reason to have the home appraised since the current value would never be considered.
I called to complain and they told me that I either had to be at 80 % of the original value OR use XXXX XXXX rules and be 75 % of the " CURRENT '' value ( I am short by about {$8000.00} ). I explained that this was never discussed with me when I first called to request PMI removal.
Company Response: Closed with explanation
2019-07-30
Harsens Is, MI
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: Mr. Cooper, XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX - Mortgage Account - XXXX Dear CFPB, Our Mortgage is with Mr. Cooper Inc. and we have never defaulted on any payments since the account was transferred to them. Recently, our credit took a big hit because Mr. Cooper falsely claimed that we have not paid our XXXX invoice and reported it to Credit Reporting Agencies nationwide.
For the record this is a blatant lie. Payment for the XXXX mortgage invoice in question was made on XX/XX/XXXX for {$600.00} through XXXX XXXX XXXX Account ( XXXX XXXX ) and on XX/XX/XXXX for {$1200.00} through XXXX XXXX Account ( XXXX XXXX ). Please see attached documents for verification. As you can see subsequent invoice from Mr. Cooper never reflected payments made on XX/XX/XXXX and XXXX. This is fraudulent! Under normal circumstances, paying invoices before the due date should be beneficial and not detrimental. Instead, this grave discrepancy and egregious error caused by Mr. Cooper resulted in unwarranted blemishes on our credit scores and on our payment history. This is unfair and it needs to be rectified immediately. This was the same practices done by our previous mortgage company XXXX. We are fed up with fraudulent practices by these rouge companies.
Based on the above information and the attached supporting documents you can clearly see that our XXXX invoice was paid and it was even paid ahead of the due date. We pay most of our bills ahead of the due date and not once have we had any problems with other companies. Rather we get credit for early payment. This is the only company that punishes you for paying your bill ahead of the due date. Giving this information our XXXX invoice was fully paid on time and therefore we do not owe any late fees as well.
We hope that filing an official complaint with your establishment will help bring some kind of resolution to these vexing fraudulent practices by Mr. Cooper and the harm they have caused to unsuspecting consumers like us thereby tarnishing our credit. I believe they should be forced to retract the negative report sent to the credit reporting agencies nationwide with an official apology letter.
I wait to hear from you shortly. Thank you for your time.
Company Response: Closed with explanation
2019-07-30
San Gabriel, CA
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2019-07-30
Baychester, NY
Attempts to collect debt not owed
Debt collection: Mortgage debt
Debt is not yours
Company Response: Closed with explanation
2019-07-30
Lk Buena Vis, FL
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2019-07-30
Wattenburg, CO
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2019-07-29
NY
Applying for a mortgage or refinancing an existing mortgage
Mortgage: Conventional home mortgage
Complaint: This is Urgent I'm getting foreclosed XXXX please stop since I had no Notice to me or the online account By Mr Cooper Mortgage formerly Nationstar mortgage my lender after me fixing to better conditions my house after the explosion of my the house and getting a Trial modification and keep paying extra 3 months they stop me from making payments Why?
first letter I sent and just below is the second letter because no response Mr cooper regarding why they never sent me a notice of foreclosure to me personally or in my online account just say they send me a letter about protected under SCRA just a letter and a letter contact them on dated XX/XX/XXXX received XX/XX/XXXX well I have been sending them an appeal and no response also I have contacted XXXX XXXX the investor XXXX XXXX XXXX and they told me they will call me but no avail yet I would like your help I need your Help Please hope you are able to stop foreclosure or at least Now that XXXX XXXX be accountable for there actions and settle my fire and explosion Case I have lost everything and now I'm being foreclosed please let them know I have XXXX daughters and their dreams and My dream as a XXXX shatter to pieces I was just opening a photo studio in my house with extensive equipment and I lost all of it no only relating to the foreclosure action but the Negligence on XXXX XXXX XXXX now XXXX home services regarding the nature of my unfortunate Circumstances I have been also Not taking serious neither by the Insurance company of XXXX XXXX XXXX attorneys and they service subcontract with XXXX XXXX XXXX, XXXX they blaming each others but that is The Root of all this is the Negligence of XXXX XXXX XXXX since XX/XX/XXXX and I have not received a penny from them but they Sure had to sue me for the remaining oil bill witch I had to pay back in XXXX they were aggressive here I'm 7 years later and getting foreclosed please help let me send you the documents supporting this claim but more important stop Foreclosure please look at this link https : XXXX % XXXX % XXXX % XXXX % XXXX? XXXX
Company Response: Closed with explanation
2019-07-29
Blairsville, GA
Applying for a mortgage or refinancing an existing mortgage
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2019-07-29
Thompsons Station, TN
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Complaint: I had asked Nationstar/Mr Cooper for two years for assistance and was told I was not eligible for any. I put my home on the market and relocated out of state. My home was on the market for a year and the offer we had would make it a short sale. We submitted all paperwork to Mr Cooper in XX/XX/XXXX and received confirmation of receipt. In XX/XX/XXXX I received a letter from Mr Cooper with regard to a modification. I called and stated that a modification was too late and I had asked for one for two years, I want the short sale processed. In XX/XX/XXXX, I received another letter from Mr. Cooper regarding a modification. When I called, I was told that although they received the paperwork for the short sale, my agent/lawyer needed to enter information on line. This was the first we were notified of this. Everything was submitted and they they said we needed updated payoff statements. We sent this and today I received a letter from Mr Cooper offering payment options. I called again, now they state that is more information needed on line. My realtor and lawyer have submitted this information numerous times and each time Mr Cooper fails to process it. I am forced to pay for utilities and an alarm system to keep the property secure. This has been going on for four months, even after Mr Cooper confirming receipt of the short sale paperwork. I can only assume that this is purposeful and willful sabotage of this short sale as I am about to lose my buyer.
Company Response: Closed with explanation
2019-07-29
Oak Lawn, IL
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Company Response: Closed with explanation
2019-07-29
Apache Junction, AZ
Trouble during payment process
Mortgage: VA mortgage
Complaint: This information is to further my complaint against mr Cooper who claims to have my mortgage that they bought from XXXX XXXX on XX/XX/2019. As we paid this mortgage loan off on XX/XX/2019 to XXXX XXXX ( XXXX ) and received payoff figures, all proper documents, liens and title, XXXX XXXX is still sending invoices that are due and very inconsistent with letters from mr Cooper saying XXXX paid them for our loan. Don't know how each handled but we just handled as told per letter from XXXX dated XX/XX/2019. I am forwarding a copy from XXXX stating our loan did not begin until XX/XX/2019 ( by separate fax to XXXX ). Therefore, I did not have a mortgage loan with mr Cooper and they had no right to send anything to credit bureaus and we were never late with any such payments to them per information received from XXXX. I wish to get all this confusion done with since it is causing much stress in our lives. Therefore, we were not late paying this mortgage at all and should have not been put through any of this upset and intolerable confusion. I would also ask that when takeovers happen, the consumer have a right to decide who they want their mortgage company to be with instead of takeovers such as this. Also, since we received all proper documents from XXXX that this loan is closed, escrow money and release of liens, how is mr Cooper going to correct and send same documents?
Company Response: Closed with explanation
2019-07-29
South Florida, FL
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Complaint: XXXX XXXX XXXX XXXX XXXX, TX XXXX OUR INFO ONLINE www.mrcooper.com XXXX XXXX Division of Consumer Finance XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ACCOUNT INFO LOAN NUMBER : XXXX CFPB Case Number : XXXX CASE NUMBER : XXXX and XXXX REFERENCE : XXXX PROPERTY ADDRESS : XXXX XXXX XXXX XXXX XXXX, FL XXXX MORTGAGORS : XXXX XXXX XXXX XXXX Dear XXXX XXXX : Thank you for reaching out to us. We are looking forward to helping you.
We received your correspondence on XX/XX/XXXX, as well as duplicate correspondence from Mrs. XXXX XXXX submitted to us through the Consumer Financial Protection Bureau ( CFPB ) Portal on XX/XX/XXXX We have put together this reply with information that we hope will alleviate Mrs. XXXX concerns. We looked into the concerns she expressed and after an investigation, were sharing with you what we found.
We are sorry to hear of Mr. XXXX recent illness as well as the accident suffered by Mrs. XXXX sister. On XX/XX/XXXX, we spoke with Mrs. XXXX regarding the above-referenced loan as the loan was past due for the XX/XX/XXXX monthly mortgage payment. Mrs. XXXX indicated that she had been approved for the Hardest Hit Fund ( HHF ) Program and therefore, made a promise to submit the reinstatement amount of {$21000.00} to reinstate the account. It is important to note that the HHF Agreement very specifically states that the state agreed to send in 12 monthly mortgage installments or {$24000.00}, whichever comes first. The first of the 12 installments was received by Mr. Cooper on XX/XX/XXXX ; the last installment was received on XX/XX/XXXX. The state remitted funds totaling {$18000.00} on XX/XX/XXXX, which was not the full reinstatement amount as Mrs. XXXX stated it would be. Subsequently, we received installments each month in XX/XX/XXXX ; however, the Mr. Cooper is a brand name for Nationstar Mortgage LLC. Nationstar Mortgage LLC is doing business as Nationstar Mortgage LLC d/b/a Mr. Cooper. Mr. Cooper is a registered service mark of Nationstar Mortgage LLC. All rights reserved.
Please be advised this communication is sent for informational purposes only and is not intended as an attempt to collect, assess, or recover a claim against, or demand payment from, any individual protected by the U.S. Bankruptcy Code. If this account has been discharged in a bankruptcy proceeding, be advised this communication is for informational purposes only and not an attempt to collect a debt against you ; however, the servicer/lender reserves the right to exercise the legal rights only against the property securing the loan obligation, including the right to foreclose its lien under appropriate circumstances. Nothing in this communication shall be construed as an attempt to collect against the borrower personally or an attempt to revive personal liability.
If you are a successor in interest ( received the property from a relative through death, devise, or divorce, and you are not a borrower on the loan ) that has not assumed, or otherwise become obligated on the debt, this communication is for informational purposes only and is not an attempt to collect a debt from you personally.
account remained 30 days delinquent as the loan was never completely brought current initially. The monthly installments totaled {$22000.00} which is less than {$24000.00} ; we have confirmed that all the funds have been applied to the loan correctly as follows : Hardest Hit Funds ( HHF ) Installment Due Date Total HHF Received Installment Received Date Installment Funds Applied To XX/XX/XXXX {$18000.00} XX/XX/XXXX Reinstatement Amount XX/XX/XXXX {$1600.00} XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$1600.00} XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$1600.00} XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$1600.00} XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$1600.00} XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$1000.00} XX/XX/XXXX Held In Suspense XX/XX/XXXX {$1900.00} XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$1900.00} XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$1900.00} XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$1900.00} XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$1900.00} XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$1900.00} XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$1900.00} XX/XX/XXXX XX/XX/XXXX Furthermore, Mrs. XXXX expressed concern regarding unapplied funds on the account ; please note, there were previous unapplied funds in the amount of {$1400.00} which were being held in suspense ( unapplied funds account ) as the funds did not represent enough to complete a full monthly installment. These funds were disbursed to Mrs. XXXX attention on XX/XX/XXXX. Currently, there is a suspense balance of {$340.00} on the account.
As indicated in the enclosed correspondence dated XX/XX/XXXX, we thoroughly reviewed the account and the previous responses that were sent to Mrs. XXXX attention and found that we provided her with erroneous information in our correspondence dated XX/XX/XXXX ( enclosed ). We incorrectly informed Mrs. XXXX that the State of Florida disbursed {$31000.00}. The correct amount that was disbursed to us on Mrs. XXXX behalf from the State of Florida was a total of {$40000.00}. We have since apologized to Mrs. XXXX for this incorrect information in our correspondence dated XX/XX/XXXX, and confirmed that the correct funds and correct amounts have all been applied to her loan correctly.
Mrs. XXXX expressed concern regarding the interest rate. She believes that the interest rate should be at 4.000 %. Please note, we have reviewed the loan further and found that the above-referenced loan has been previously modified under the Home Affordable Modification Program ( HAMP ) in XX/XX/XXXX, which permanently amended the Original Note. As per the HAMP payment schedule, the interest rate was scheduled to adjust to 4.000 % effective XX/XX/XXXX. However, due to the loan being on a Temporary Loan Modification at the time that this interest rate change was supposed to take place, the change did not take effect until the temporary modification expired. Please be advised, 4.875 % is the interest rate cap per the HAMP Modification Agreement ( enclosed ). Additionally, per page 2 section 2 of the Temporary Modification Agreement, the Principal and Interest ( P & I ) that Mr. and Mrs. XXXX will pay after the Rate Reduction Period may change in accordance with the terms of the original Note or terms of an active modification to the original Note. We have enclosed a copy of the Temporary Modification Agreement for your review.
Please note, the loan was most recently reviewed for a Flex Modification on XX/XX/XXXX. On XX/XX/XXXX, the loan was denied for the Flex Loan Modification due to insufficient monthly installment reduction. This means we were unable to reduce the P & I installment by even one dollar. Please note, the requirement for this loan modification is that we reduce the monthly P & I installment, even if it is only by a dollar. Unfortunately, we were unable to accomplish this. We understand that Mrs. XXXX would like for us to explore alternative ways to reduce the monthly mortgage payment such as extending the terms of the loan ; however, we do not set the modification guidelines and must follow the guidelines that are set forth by the investor of the loan. We have enclosed a copy of the Loss Mitigation Evaluation Notice dated XX/XX/XXXX for your review. Please note, if Mr. and Mrs. XXXX wish to retain the property, they may reinstate the loan as we were unable to approve the loan for the Flex Modification. Due to the Chapter XXXX Bankruptcy on the loan, please have Mrs. XXXX contact our Bankruptcy Department at the telephone number listed below to obtain a current Reinstatement Quote. If Mr. and Mrs. XXXX are unable to reinstate the loan, they may also consider non-retention options such as a short sale or deed in lieu. Please find a description of the non-retention options below : Short Sale this option permits the borrowers to sell the home for less than the balance remaining on the mortgage loan. Depending upon applicable law and investor requirements, a borrower may or may not be required to pay funds to reduce the difference between the amount owed and the approved purchase price.
Deed-In-Lieu this option permits the borrowers to voluntarily transfer the property to the owner of the mortgage to satisfy the debt. Depending upon applicable law and investor requirements, the borrower may be required to pay funds to reduce the difference between the amount owed on the loan and value of the property being transferred.
During our investigation, we were able to identify the error on XX/XX/XXXX. The error discovered was the amount provided to Mrs. XXXX of {$31000.00}, which we stated was the amount disbursed by the state of Florida in our correspondence dated XX/XX/XXXX. We have since provided Mrs. XXXX with the correct amount disbursed by the state of Florida. Further, we sincerely apologize for any inconvenience and frustration this may have caused. We hope this letter is helpful in resolving the complaint.
Hardest Hit Funds Agreement HAMP Modification Agreement Temporary Modification Agreement Correspondence dated XX/XX/XXXX and five ( 5 ) Enclosures Correspondence dated XX/XX/XXXX and four ( 4 ) Enclosures Loss Mitigation Evaluation Notice dated XX/XX/XXXX If Mrs. XXXX should have any questions, she can reach the Single Point of Contact ( SPOC ) at : Single Point of Contact ( SPOC ) XXXX XXXX Phone Number : XXXX For general questions, please have Mrs. XXXX reach out to our Bankruptcy Department at XXXX. Our hours of operation are Monday through Friday from 8 a.m. to 5 p.m ( CT ). Visit us on the web at www.mrcooper.com for more information.
I hope this information is helpful and addresses your concerns. If you have any specific questions about the information I have provided, please contact me directly, using the information below.
Sincerely, XXXX XXXX Mr. Cooper Customer Relations Specialist XXXX XXXX XXXX XXXX, TX XXXX Phone : XXXX Fax : XXXX E-mail : XXXX Enclosures 15 By E-mail XXXX and CFPB Portal cc : XXXX XXXX and XXXX XXXX XXXX Are you experiencing a financial hardship? Our local non-profit partners can help with financial counseling and other services. Please visit these websites for assistance : Hud.gov XXXX
Company Response: Closed with explanation
2019-07-29
WV
Trouble during payment process
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2019-07-28
NJ
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Complaint: Land RECORD 'S manipulation. Someone removed an assignment of mortgage from my county Land file without the required court order to do so legally After finding this I also found that XXXX XXXX gave POA to NATIONSTAR MORTGAGE in the SERVICERS POSITION ONLY and NATIONSTAR MORTGAGE then ASSIGNED THE LOAN right back to none other than XXXX XXXX both of whom are under the XXXX XXXX XXXX UMBRELLA which speaks to self serving COLLISION between two entities from the same company!!
I've filed complaints against NATIONSTAR MORTGAGE before as they are the most abusive debt collector of all the other bottom feeders This land records manipulation is a HUGE offense against the middle class homeowners in my county of XXXX NJ and must be fully investigated as it appears the county clerk herself is aiding and ABETTING this illegal activity. There are thousands of these ILLEGAL POA transfers between XXXX XXXX and NATIONSTAR MORTGAGE for the sole purpose of foreclosing on unsuspecting homeowners. They must be punished to the fullest extent of the law. My home is set for auction next week with illegally inserted assignments to new entities that I never contracted with. It's beyond abusive and illegal
Company Response: Closed with explanation
2019-07-28
Chicago, IL
Struggling to pay mortgage
Mortgage: FHA mortgage
Complaint: I was unemployed since XX/XX/XXXX but was able to maintain payments until XX/XX/XXXX. I called them once or twice a month as a sign of good faith. I spoke with one representative early on and was told that by law I have at least 120 days before my loan goes into foreclosure. I continued to make calls letting them know that I was diligently searching for a job, but I was also told that I could not apply for a loan modification until I had proof of income. By the beginning of XX/XX/XXXX I called because I wanted to make at least one payment as I had borrowed from family to get that. The rep would not accept it and said they would only accept two payments, and that I should call back when I have two payments. I got a job by the end of XXXX and called them on XX/XX/XXXX to tell them that I had a job and would call in for the two payments with my first check. On XX/XX/XXXX, as soon as funds for my first paycheck was deposited I called Mr. Cooper to make the two payments. As of XX/XX/XXXX I had not reached 120 days delinquency but they refused to accept my payment and told me my loan had gone into foreclosure. It seemed as though their only concern was making sure they got to foreclose on my home. What type of collection company refuses to take payments? I was been grossly misguided about my options and this is a serious and tragic event. They don't really care about their customers.
Company Response: Closed with explanation
2019-07-27
Hack, NJ
Trouble during payment process
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2019-07-27
Lithonia, GA
Struggling to pay mortgage
Mortgage: FHA mortgage
Company Response: Closed with explanation
2019-07-27
NC
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Complaint: In XXXX we built our home at XXXX XXXX XXXX , XXXX NC XXXX. The Bank required us to obtain a Flood Elevation Certificate which stated we were in Flood Zone A5 and we had to purchase flood insurance in the amount of {$390.00} paid at closing.
In XXXX we received a letter from XXXX XXXX XXXX stating that the Flood Maps had been re-evaluated and we were no longer required to hold a Flood Policy on our property. They were not foreplaced by the Bank. I contacted my agent at the time with XXXX XXXX. Our flood policy was not renewed and expired at XXXX XXXX on XX/XX/XXXX.
In XXXX we refinanced our 2nd mortgage and obtained two Appraisals to accommodate the 2nd mortgage. Both appraisals indicated the home was located in Flood Zone X and included a FEMA Map dated XXXX but had different Flood Map numbers while the home was actually in Flood zone AE formerly A5.
XX/XX/XXXX, XXXX XXXX flooded our home up to the roof. The home remained under water for about a week due to the waters receding slowly. Damage to the home is in excess of {$150.00}.
Attached is all the supporting documentation.
Company Response: Closed with explanation
2019-07-26
Odessa, FL
Trouble during payment process
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2019-07-26
Phoenix, AZ
Attempts to collect debt not owed
Debt collection: Mortgage debt
Debt was paid
Company Response: Closed with explanation
2019-07-26
Garland, TX
Struggling to pay mortgage
Mortgage: FHA mortgage
Company Response: Closed with explanation
2019-07-26
Newport News, VA
Struggling to pay mortgage
Mortgage: VA mortgage
Company Response: Closed with explanation
2019-07-25
Rockwell, NC
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: In XXXX we received notice from Mr. Cooper ( our Mortgage Company ) that our Escrow account showed a shortage and we had to pay it in 1 payment or increase our monthly escrow portion of our mortgage payment. Upon review of the escrow account statements on their own website, there were multiple disbursements and credits, including removal of our " ANNUAL '' property tax amount on a " QUARTERLY '' basis. When we were notified about the shortage, we have had multiple phone conversations with their representatives. One of them they actually called our County with us on the phone and the county stated they had only received the payment at closing in XXXX, and no other payments in XXXX or XXXX, or any over payments. Even after this, the mortgage company is refusing to credit back our escrow account, stating that since the county has received no overpayment, there is no error on their end, yet never addressing the money taken from our escrow account causing the shortage.
Company Response: Closed with explanation
2019-07-25
IL
Trouble during payment process
Mortgage: VA mortgage
Complaint: On XX/XX/XXXX I contacted Mr. Cooper at XXXX. They asked for me to fax documents from XXXX XXXX assesments office showing the tax liabity for XXXX payable in XXXX. I also sent them the paper work showing XXXX tax year that XXXX would be 100 % exempted from any real estate taxes. ( This is because he is 100 % XXXX due to service related injury. ) On XXXX I followed up with Mr Cooper. I was told they was working on it. On XXXX I followed up again with Mr Cooper. After about XXXX minutes of going nowhere I asked for a supervisor. We spoke with XXXX XXXX XXXX. My original loan XXXX XXXX XXXX with XXXX XXXX has been amazing trying to help us through this process. Please see the chain of emails below.
XXXX, Please see attached letter that XXXX XXXX at XXXX XXXX XXXX office. Please get these escrow set up correctly so that the XXXX can put this to bed. Please let me know if you need anything else. Thanks XXXX From : XXXX XXXX XXXX XXXX : XXXX XXXX Sent : Thursday, XX/XX/XXXX XXXX AM To : XXXX XXXX XXXX Subject : [ EXTERNAL ] Re : Your Scan ( XXXX XXXX XXXX Re Mr. XXXX From : XXXX XXXX XXXX Sent XXXX Wednesday, XX/XX/XXXX XXXX PM To : XXXX XXXX Subject : FW : Your Scan ( XXXX XXXX XXXX See below From : XXXX XXXX XXXX XXXX : XXXX XXXX Sent XXXX Wednesday, XX/XX/XXXX XXXX PM To : XXXX XXXX XXXX Subject : [ EXTERNAL ] RE : Your Scan XXXX XXXX XXXX ) Hello, In order for us to go ahead and apply the homestead exe3mpotion we would need to have the letter including XXXXhe county letterhead that is type and not hand written and must include the exact percentage of the homestead exemption in order for us to apply to the mortgage.
Thank you XXXX XXXX Escalations Agent XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx, XXXX ( O ) XXXX ( F ) XXXX cid : XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sent : Wednesday, XX/XX/XXXX XXXX PM To : XXXX XXXX XXXX XXXX XXXX XXXX Subject : RE : Your Scan ( XXXX XXXX XXXX XXXX, We sent you XXXX letters from XXXX XXXX Government Supervisor of Assessments office stating XXXX XXXX payable in XXXX will be approximately {$1700.00} ( Every loan that is closed taxes are set up on an estimate ) Have you talked to someone who knows escrows inside and out? We also sent you the letter that states that XXXX payable in XXXX will be XXXX because Mr. XXXX is a XXXX Veteran which makes him exempt Im not sure what else you need but this needs to moved up to a higher level of management and get this resolved. Mr. XXXX fought and protected this COUNTRY and its time for someone at MR COOPER to fight for him. He is going thru stress that is being brought on by MR COOPER and it isnt necessary. Please escalate this to the highest level and lets get it resolved TODAY!
Thanks From : XXXX XXXX XXXX XXXX : XXXX XXXX Sent : Wednesday, XX/XX/XXXX XXXX PM To : XXXX XXXX XXXX Subject : XXXX XXXX XXXX XXXX : Your Scan ( XXXX XXXX ) I also talked to XXXX from the county who advised me that there was not going to be any updates until next year. She also advised me that she is pretty sure that the tax amount would be {$0.00} but I need something from the county with the right amount for the taxes. I am doing everything I can do get this fixed.
Thank you XXXX XXXX Escalations Agent XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx, XXXX ( O ) XXXX ( F ) XXXX cid : XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sent : Wednesday, XX/XX/XXXX XXXX PM To : XXXX XXXX XXXX Subject : RE : Your Scan ( XXXX XXXX ) You have a letter from the county tax office that states what the estimated taxes will be! I dont know why you cant use that as by federal law we have to have a cushion for escrow. If you can not fix then Mrs. XXXX will just have to file a claim with CFPB and your company can explain to them why you cant change it, as this is clearly against the guidelines. Please let me know so that I can let Mrs. XXXX know that we she has other options. Ever loan that is closed is based off an estimate as the tax bill doesnt have new owners name on it. I have done loan for over XXXX plus years and this is the way it has always been done Thanks XXXX From : XXXX XXXX XXXX XXXX : XXXX XXXX Sent : Wednesday, XX/XX/XXXX XXXX PM To : XXXX XXXX XXXX Subject : [ EXTERNAL ] RE : Your Scan ( XXXX XXXX ) Good Afternoon, So I called the county this morning and the lady I spoke with advised me that they will not be updating any information until next year with Mrs. XXXX and her husband name on it. I am trying to get the taxes updated but we need a bill of what the taxes will be, because the information you sent me is not going to work. I did talk with Mrs. XXXX and she advised me to email you to see what we can do.
Thank you XXXX XXXX Escalations Agent XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx, XXXX ( O ) XXXX ( F ) XXXX cid : XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sent : Tuesday, XX/XX/XXXX XXXX AM To : XXXX XXXX XXXX Subject : RE : Your Scan ( XXXX XXXX ) Where you able to get this resolved for the XXXX Just let me know Thanks XXXX From XXXX XXXX XXXX XXXX XXXX : XXXX XXXX Sent : Monday, XX/XX/XXXX XXXX PM To : XXXX XXXX XXXX Subject : [ EXTERNAL ] RE : XXXX Scan ( XXXX XXXX ) Thank you I will look at that again if I need anything else I will email you XXXX XXXX Escalations Agent XXXX Triple XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX ( O ) XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX From : XXXX XXXX XXXX XXXX : XXXX XXXX Sent : Monday, XX/XX/XXXX XXXX PM To : XXXX XXXX XXXX Subject : RE : Your Scan ( XXXX XXXX ) I emailed that to you on letterhead earlier today it states that XXXX taxes payable in XXXX to be XXXX and this is even signed by assessment office From : XXXX XXXX XXXX XXXX : XXXX XXXX Sent : Monday, XX/XX/XXXX XXXX PM To XXXX XXXX XXXX XXXX Subject : [ EXTERNAL ] RE : Your Scan ( XXXX XXXX ) In order to change the tax amount we would need the amount that they are going to pay. Are you able to get anything from the county on how much the bill is going to be.
Thank you XXXX XXXX Escalations Agent XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx, XXXX ( O ) XXXX ( F ) XXXX cid : XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sent : Monday, XX/XX/XXXX XXXX AM To : XXXX XXXX XXXX Subject : RE : Your Scan ( XXXX XXXX ) The tax bills wont come out for XXXX taxes payable in XXXX till XX/XX/XXXX Thats why Mr. and Mrs. XXXX went to the XXXX XXXX Tax assessment office Not sure what else you can use but they cant pay XXXX a month in taxes Please let me know so that I can help customer Thanks XXXX From : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX : Monday, XX/XX/XXXX XXXX AM To : XXXX XXXX XXXX Subject : [ EXTERNAL ] RE : Your Scan ( XXXX XXXX ) In order to update the taxes I need a bill from the county saying how much the taxes will be.
Thank you XXXX XXXX Escalations Agent XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx, XXXX ( O ) XXXX ( F ) XXXX cid : XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sent : Monday, XX/XX/XXXX XXXX AM To : XXXX XXXX XXXX Subject : FW : Your Scan ( XXXX XXXX ) This email originated from outside of the organization. Do not click links or open attachments unless you recognize the sender and know the content is safe.
XXXX, Attached is the information that we spoke about need to get taxes corrected Thanks XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX NMLS # XXXX Direct : XXXX Fax : XXXX Cell : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX | XXXX, KY XXXX Apply Now XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CAUTION : DO NOT change job until after you close on this transaction! If this cant be avoided please contact me before you change jobs DO NOT make any new purchases on CREDIT until after you close on this transaction.
DO NOT open any new credit applications or have your credit checked until after closing on this transaction.
DO NOT co-sign for friends or family.
DO NOT make any large deposits to your bank account, except normal payroll.
IMPORTANT : Keep all pay check stubs, bank statements and deposit receipts.
From : Scanner XXXX XXXX : XXXX XXXX Sent : Monday, XX/XX/XXXX XXXX AM To : XXXX XXXX XXXX Subject : Your Scan ( XXXX XXXX ) XXXX XXXX Notice to Recipient : The information contained in this email is confidential and intended solely for the addressees. Any unauthorized access, use, reproduction, or dissemination is prohibited. If you have received this e-mail in error, please notify me immediately and delete this copy from your system. XXXX XXXX XXXX XXXX XXXX XXXX XXXX NMLS ID # XXXX ( www.nmlsconsumeraccess.org ) XXXX XXXX XXXX XXXX XXXX XXXX This is not an offer to enter into an agreement. XXXX, rates, & programs are subject to change without prior notice and XXXX not be available in all states. All products are subject to credit & property approval. XXXX XXXX is not affiliated with any government agency. XXXX XXXX, its subsidiaries and/or its affiliates shall not assume legal liability or responsibility for any incorrect, misleading, or altered information contained herein.
Equal Housing Lender This e-mail communication and any attachments may contain confidential, copyrighted, and legally privileged information for use solely by the designated recipients to which this e-mail is addressed. If you are not the intended recipient, you are hereby notified that you have received this communication in error, and that any review, disclosure, dissemination, distribution, or copying of this message or its contents is prohibited and may be subject to governing laws protecting its disclosure. If you have received this communication in error, please notify Nationstar Mortgage XXXX immediately by e-mail at XXXX and destroy all copies of this communication and any attachments.
XXXX XXXX Notice to Recipient : The information contained in this email is confidential and intended solely for the addressees. Any unauthorized access, use, reproduction, or dissemination is prohibited. If you have received this e-mail in error, please notify me immediately and delete this copy from your system. XXXX XXXX XXXX XXXX XXXX XXXX XXXX NMLS ID # XXXX ( www.nmlsconsumeraccess.org ) XXXX XXXX XXXX XXXX XXXX XXXX This is not an offer to enter into an agreement. Information, rates, & programs are subject to change without prior notice and may not be available in all states. All products are subject to credit & property approval. XXXX XXXX is not affiliated with any government agency. XXXX XXXX, its subsidiaries and/or its affiliates shall not assume legal liability or responsibility for any incorrect, misleading, or altered information contained herein.
XXXX XXXX XXXX This e-mail communication and any attachments may contain confidential, copyrighted, and legally privileged information for use solely by the designated recipients to which this e-mail is addressed. If you are not the intended recipient, you are hereby notified that you have received this communication in error, and that any review, disclosure, dissemination, distribution, or copying of this message or its contents is prohibited and may be subject to governing laws protecting its disclosure. If you have received this communication in error, please notify Nationstar Mortgage XXXX immediately by e-mail at XXXX and destroy all copies of this communication and any attachments.
XXXX XXXX Notice to Recipient : The information contained in this email is confidential and intended solely for the addressees. Any unauthorized access, use, reproduction, or dissemination is prohibited. If you have received this e-mail in error, please notify me immediately and delete this copy from your system. XXXX XXXX XXXX XXXX XXXX XXXX XXXX NMLS ID # XXXX ( www.nmlsconsumeraccess.org ) XXXX XXXX XXXX XXXX XXXX XXXX This is not an offer to enter into an agreement. XXXX, rates, & programs are subject to change without prior notice and may not be available in all states. All products are subject to credit & property approval. XXXX XXXX is not affiliated with any government agency. XXXX XXXX, its subsidiaries and/or its affiliates shall not assume legal liability or responsibility for any incorrect, misleading, or altered information contained herein.
Equal Housing Lender This e-mail communication and any attachments may contain confidential, copyrighted, and legally privileged information for use solely by the designated recipients to which this e-mail is addressed. If you are not the intended recipient, you are hereby notified that you have received this communication in error, and that any review, disclosure, dissemination, distribution, or copying of this message or its contents is prohibited and may be subject to governing laws protecting its disclosure. If you have received this communication in error, please notify Nationstar Mortgage XXXX immediately by e-mail at XXXX and destroy all copies of this communication and any attachments.
XXXX XXXX Notice to Recipient : The information contained in this email is confidential and intended solely for the addressees. Any unauthorized access, use, reproduction, or dissemination is prohibited. If you have received this e-mail in error, please notify me immediately and delete this copy from your system. XXXX XXXX XXXX XXXX XXXX XXXX XXXX NMLS ID # XXXX ( www.nmlsconsumeraccess.org ) XXXX XXXX XXXX XXXX XXXX XXXX This is not an offer to enter into an agreement. Information, rates, & programs are subject to change without prior notice and may not be available in all states. All products are subject to credit & property approval. XXXX XXXX is not affiliated with any government agency. XXXX XXXX, its subsidiaries and/or its affiliates shall not assume legal liability or responsibility for any incorrect, misleading, or altered information contained herein.
Equal Housing Lender This e-mail communication and any attachments may contain confidential, copyrighted, and legally privileged information for use solely by the designated recipients to which this e-mail is addressed. If you are not the intended recipient, you are hereby notified that you have received this communication in error, and that any review, disclosure, dissemination, distribution, or copying of this message or its contents is prohibited and may be subject to governing laws protecting its disclosure. If you have received this communication in error, please notify Nationstar Mortgage LLC immediately by e-mail at XXXX and destroy all copies of this communication and any attachments.
XXXX XXXX Notice to Recipient : The information contained in this email is confidential and intended solely for the addressees. Any unauthorized access, use, reproduction, or dissemination is prohibited. If you have received this e-mail in error, please notify me immediately and delete this copy from your system. XXXX XXXX XXXX XXXX XXXX XXXX XXXX NMLS ID # XXXX ( www.nmlsconsumeraccess.org ) XXXX XXXX XXXX XXXX XXXX XXXX This is not an offer to enter into an agreement. Information, rates, & programs are subject to change without prior notice and may not be available in all states. All products are subject to credit & property approval. XXXX XXXX is not affiliated with any government agency. XXXX XXXX, its subsidiaries and/or its affiliates shall not assume legal liability or responsibility for any incorrect, misleading, or altered information contained herein.
Equal Housing Lender This e-mail communication and any attachments may contain confidential, copyrighted, and legally privileged information for use solely by the designated recipients to which this e-mail is addressed. If you are not the intended recipient, you are hereby notified that you have received this communication in error, and that any review, disclosure, dissemination, distribution, or copying of this message or its contents is prohibited and may be subject to governing laws protecting its disclosure. If you have received this communication in error, please notify Nationstar Mortgage LLC immediately by e-mail at XXXX and destroy all copies of this communication and any attachments.
XXXX XXXX Notice to Recipient : The information contained in this email is confidential and intended solely for the addressees. Any unauthorized access, use, reproduction, or dissemination is prohibited. If you have received this e-mail in error, please notify me immediately and delete this copy from your system. XXXX XXXX XXXX XXXX XXXX XXXX XXXX NMLS ID # XXXX ( www.nmlsconsumeraccess.org ) XXXX XXXX XXXX This is not an offer to enter into an agreement. Information, rates, & programs are subject to change without prior notice and XXXX not be available in all states. All products are subject to credit & property approval. XXXX XXXX is not affiliated with any government agency. XXXX XXXX, its subsidiaries and/or its affiliates shall not assume legal liability or responsibility for any incorrect, misleading, or altered information contained herein.
Equal Housing Lender This e-mail communication and any attachments may contain confidential, copyrighted, and legally privileged information for use solely by the designated recipients to which this e-mail is addressed. If you are not the intended recipient, you are hereby notified that you have received this communication in error, and that any review, disclosure, dissemination, distribution, or copying of this message or its contents is prohibited and may be subject to governing laws protecting its disclosure. If you have received this communication in error, please notify Nationstar Mortgage XXXX immediately by e-mail at XXXX and destroy all copies of this communication and any attachments.
XXXX XXXX Notice to Recipient : The information contained in this email is confidential and intended solely for the addressees. Any unauthorized access, use, reproduction, or dissemination is prohibited. If you have received this e-mail in error, please notify me immediately and delete this copy from your system. XXXX XXXX XXXX XXXX XXXX XXXX XXXX NMLS ID # XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is not an offer to enter into an agreement. Information, rates, & programs are subject to change without prior notice and may not be available in all states. All products are subject to credit & property approval. XXXX XXXX is not affiliated with any government agency. XXXX XXXX, its subsidiaries and/or its affiliates shall not assume legal liability or responsibility for any incorrect, misleading, or altered information contained herein.
Equal Housing Lender This message contains confidential information and is intended only for the individual named. If you are not the named addressee you should not disseminate, distribute or copy this e-mail. Please notify the sender immediately by e-mail if you have received this e-mail by mistake and delete this e-mail from your system. E-mail transmission can not be guaranteed to be secure or error-free as information could be intercepted, corrupted, lost, destroyed, arrive late or incomplete, or contain viruses. The sender therefore does not accept liability for any errors or omissions in the contents of this message, which arise as a result of e-mail transmission. Finally, the recipient should check this email and any attachments for the presence of viruses.
This message contains confidential information and is intended only for the individual named. If you are not the named addressee you should not disseminate, distribute or copy this e-mail. Please notify the sender immediately by e-mail if you have received this e-mail by mistake and delete this e-mail from your system. E-mail transmission can not be guaranteed to be secure or error-free as information could be intercepted, corrupted, lost, destroyed, arrive late or incomplete, or contain viruses. The sender therefore does not accept liability for any errors or omissions in the contents of this message, which arise as a result of e-mail transmission. Finally, the recipient should check this email and any attachments for the presence of viruses.
XXXX XXXX Notice to Recipient : The information contained in this email is confidential and intended solely for the addressees. Any unauthorized access, use, reproduction, or dissemination is prohibited. If you have received this e-mail in error, please notify me immediately and delete this copy from your system. XXXX XXXX XXXX XXXX XXXX XXXX XXXX NMLS ID # XXXX XXXX XXXX XXXX This is not an offer to enter into an agreement. XXXX, rates, & programs are subject to change without prior notice and XXXX not be available in all states. All products are subject to credit & property approval. XXXX XXXX is not affiliated with any government agency. XXXX XXXX, its subsidiaries and/or its affiliates shall not assume legal liability or responsibility for any incorrect, misleading, or altered information contained herein.
Equal Housing Lender XXXX XXXX XXXXXXXX XXXX XXXX XXXX To XXXX XXXX XX/XX/XXXX at XXXX PM See below From : XXXX XXXX XXXX XXXX : XXXX XXXX Sent : Thursday, XX/XX/XXXX XXXX AM To : XXXX XXXX XXXX Subject : [ EXTERNAL ] RE : Your Scan ( XXXX XXXX ) Hello Yesterday email stated that it needed to be an official letter. The document you sent did not have the official letter head. It also states in the letter that you sent that it is XXXX % which is not an exact amount the bill will have the exact amount of the discount the person is getting. Once again I am sorry until we get that information there is nothing we can do.
Thank you XXXX XXXX Escalations Agent XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx, XXXX ( O ) XXXX ( F ) XXXX cid : XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sent : Thursday, XX/XX/XXXX XXXX AM To : XXXX XXXX XXXX Subject : RE : Your Scan ( XXXX XXXX ) This is totally different than what you said yesterday! This what you sent yesterday Why is this changed today?????
Sent : Wednesday, XX/XX/XXXX XXXX PM To : XXXX XXXX XXXX Subject : [ EXTERNAL ] RE : Your Scan ( XXXX XXXX ) Hello, In order for us to go ahead and apply the homestead exe3mpotion we would need to have the letter including the county letterhead that is type and not hand written and must include the exact percentage of the homestead exemption in order for us to apply to the mortgage.
Thank you XXXX XXXX Escalations Agent XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx, XXXX From : XXXX XXXX XXXX XXXX : XXXX XXXX Sent : Thursday, XX/XX/XXXX XXXX AM To : XXXX XXXX XXXX Subject : [ EXTERNAL ] RE : Your Scan ( XXXX XXXX ) Hello I wanted to let you know that this is not going to work. The first thing this is not a legal document from XXXX XXXX. Second after speaking with XXXX XXXX tax office as of XX/XX/XXXX they stated that the bill will not be updated till next year. Unless we get a copy of the official bill from the county there is nothing we can do. I do apologize for the inconvenience.
Thank you XXXX XXXX Escalations Agent XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx, XXXX ( O ) XXXX ( F ) XXXX cid : XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sent : Thursday, XX/XX/XXXX XXXX AM To : XXXX XXXX XXXX XXXX : XXXX Subject : XXXX : Your Scan ( XXXX XXXX XXXX XXXX, Please see attached letter that XXXX XXXX at XXXX XXXX Assessments office. Please get these escrow set up correctly so that the XXXX can put this to bed. Please let me know if you need anything else. Thanks XXXX From : XXXX XXXX XXXX XXXX : XXXX XXXX Sent : Thursday, XX/XX/XXXX XXXX AM To : XXXX XXXX XXXX Subject XXXX XXXX XXXX XXXX XXXX : Your Scan ( XXXX XXXX XXXX Re MrXXXX XXXX From : XXXX XXXX XXXX Sent : Wednesday, XX/XX/XXXX XXXX PM To : XXXX XXXX Subject : FW : Your Scan ( XXXX XXXX XXXX See below From : XXXX XXXX XXXX XXXX : XXXX XXXX Sent XXXX Wednesday, XX/XX/XXXX XXXX PM To : XXXX XXXX XXXX Subject : [ EXTERNAL ] RE : Your Scan XXXX XXXX XXXX ) Hello, In order for us to go ahead and apply the homestead exe3mpotion we would need to have the letter including the county letterhead that is type and not hand written and must include the exact percentage of the homestead exemption in order for us to apply to the mortgage.
Thank you XXXX XXXX Escalations Agent XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx, XXXX ( O ) XXXX ( F ) XXXX cid : XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sent : Wednesday, XX/XX/XXXX XXXX PM To : XXXX XXXX XXXX Cc : XXXX Subject : RE : Your Scan ( XXXX XXXX XXXX XXXX, We sent you 2 letters from XXXX XXXX Government Supervisor of Assessments office stating XXXX XXXX payable in XXXX will be approximately {$1700.00} ( Every loan that is closed taxes are set up on an estimate ) Have you talked to someone who knows escrows inside and out? We also sent you the letter that states that XXXX payable in XXXX will be XXXX because Mr. XXXX is a XXXX Veteran which makes him exempt Im not sure what else you need but this needs to moved up to a higher level of management and get this resolved. Mr. XXXX fought and protected this COUNTRY and its time for someone at MR COOPER to fight for him. He is going thru stress that is being brought on by MR COOPER and it isnt necessary. Please escalate this to the highest level and lets get it resolved TODAY!
Thanks From : XXXX XXXX XXXX XXXX : XXXX XXXX Sent : Wednesday, XX/XX/XXXX XXXX PM To : XXXX XXXX XXXX Subject : [ EXTERNAL ] RE : Your Scan ( XXXX XXXX ) I also talked to XXXX from XXXX XXXX who advised me that there was not going to be any updates until next year. She also advised me that she is pretty sure that the tax amount would be {$0.00} but I need something from XXXX XXXX with the right amount for the taxes. I am doing everything I can do get this fixed.
Thank you XXXX XXXX Escalations Agent XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx, XXXX ( O ) XXXX ( F ) XXXX cid : XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sent : Wednesday, XX/XX/XXXX XXXX PM To : XXXX XXXX XXXX XXXX XXXX XXXX : Your Scan ( XXXX XXXX ) You have a letter from XXXX XXXX tax office that states what the estimated taxes will be! I dont know why you cant use that as by federal law we have to have a cushion for escrow. If you can not fix then XXXX XXXX will just have to file a claim with CFPB and your company can explain to them why you cant change it, as this is clearly against the guidelines. Please let me know so that I can let Mrs. XXXX know that we she has other options. Ever loan that is closed is based off an estimate as the tax bill doesnt have new owners name on it. I have done loan for over XXXX plus years and this is the way it has always been done Thanks XXXX From : XXXX XXXX XXXX XXXX : XXXX XXXX Sent : Wednesday, XX/XX/XXXX XXXX PM To : XXXX XXXX XXXX Subject : [ EXTERNAL ] RE : Your Scan ( XXXX XXXX ) Good Afternoon, So I called XXXX XXXX this morning and the lady I spoke with advised me that they will not be updating any information until next year with XXXX XXXX and her husband name on it. I am trying to get the taxes updated but we need a bill of what the taxes will be, because the information you sent me is not going to work. I did talk with Mrs. XXXX and she advised me to email you to see what we can do.
Thank you XXXX XXXX Escalations Agent XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx, XXXX ( O ) XXXX ( F ) XXXX cid : XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sent : Tuesday, XX/XX/XXXX XXXX AM To : XXXX XXXX XXXX Subject : RE : Your Scan ( XXXX XXXX ) Where you able to get this resolved for the XXXX Just let me know Thanks XXXX From : XXXX XXXX XXXX XXXX : XXXX XXXX Sent : Monday, XX/XX/XXXX XXXX PM To : XXXX XXXX XXXX Subject : [ EXTERNAL ] RE : Your Scan ( XXXX XXXX ) Thank you I will look at that again if I need anything else I will email you XXXX XXXX Escalations Agent XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX ( O ) XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX From : XXXX XXXX XXXX XXXX : XXXX XXXX Sent : Monday, XX/XX/XXXX XXXX PM To : XXXX XXXX XXXX Subject : RE : Your Scan ( XXXX XXXX ) I emailed that to you on letterhead earlier today it states that XXXX taxes payable in XXXX to be XXXX and this is even signed by assessment office From : XXXX XXXX XXXX XXXX : XXXX XXXX Sent : Monday, XX/XX/XXXX XXXX PM To XXXX XXXX XXXX XXXX @ XXXX
Company Response: Closed with explanation