NATIONSTAR MORTGAGE

2019-07-01

Written notification about debt

Debt collection: Mortgage debt

Notification didn't disclose it was an attempt to collect a debt
Company Response: Closed with explanation

Timely Response

2019-07-01

Atlanta, GA

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2019-07-01

Chapel Lakes, FL

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: loan company Mr.COOPER dba Nationstar paid the wrong homeowners insurance company after they were told on XX/XX/2019 not to pay any one until i gave them my consent since I was shopping around for a new policy. Well they took it upon themselves to pay a company by the name of " XXXX XXXX '' After filing a complaint against them with you ( CFPB ), Mr Cooper contact XXXX XXXX XXXX to get my money back.The amount is {$3600.00}. XXXX XXXX mailed back the check to them on XX/XX/2019 and Mr Cooper states that they haven't received the payment. I suspect that they are lying like they did on my previous complaint against them. I am attaching proof that XXXX XXXX returned the uncancelled check to them. I want my escrow account to reflect the {$3600.00}. Mr Cooper is as crooked as they come.They shouldn't be allowed to do buss after all the problems they had under Nationstar.
Company Response: Closed with explanation

Timely Response

2019-07-01

GA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: XXXX XXXX XXXX says for 2 years I owe them {$300.00}. I have paid my actual usage, plus 2 mos. Of double payments of {$60.00} when I had a minor issues with outside hose pipe minimal use. I have asked them multiple times to correct. They send it late or not at all, sometimes without my name or acct hidden in watermark. I have been blocked by the fa consumer division. For the record of predatory harrassment and unsolicited debt collection illegal practice and accounting.
Company Response: Closed with explanation

Timely Response

2019-07-01

Hammond, IN

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2019-06-29

Allegheny, PA

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2019-06-29

Arlington, VA

Closing on a mortgage

Mortgage: Conventional home mortgage

Complaint: I agreed on a contract to sell a rental property in early XXXX. On XX/XX/XXXX, the title company sent in a request to my mortgagor, Mr. Cooper, to release the lien on the mortgage. Mr. Cooper had 2 mortgages on record. The original mortgagor, XXXX XXXX, sold it to Mr. Cooper. I refinanced my mortgage with XXXX XXXX about 3 years ago. When I did so, there were errors in the original, signed refinancing documents. Instead of amending those documents, XXXX XXXX drafted new documents for me to sign. With the sale of the mortgage to Mr. Cooper, XXXX XXXX provided both signed documents to Mr. Cooper, and it appeared to Mr. Cooper that there were two mortgages on the same property. I and the closing title company have been following frequently with Mr. Cooper to get this resolved, but even after 1-1/2 months of following, there is no sign of resolution. Mr. Cooper has been slow to return phone calls or provide status updates, and are asking for re-submission of the same documents multiple times. I am at risk of losing the sale of this property, and I have also been paying interest to Mr. Cooper 's benefit over the past couple of months. I would like this resolved as soon as possible, and would like reimbursement of my mortgage interest payments over the time Mr. Cooper has dragged their feet in resolving this.
Company Response: Closed with explanation

Timely Response

2019-06-29

Key Biscayne, FL

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: Attached letter which is self-explanatory. XX/XX/XXXX Mr. Cooper XXXX XXXX XXXX XXXX. XXXX, TX XXXX Loan # XXXX Dear Sirs, I am in receipt of your letter dated XX/XX/XXXX requesting a payment of {$6600.00} in order to bring the account to date. I am requesting you to refer to previous communications where we agreed that the amount due corresponds to three months of mortgage payments ( {$1500.00} X 3 = {$4500.00} not {$6600.00} ), that became due after Hurricane Irma. They became due because at the time of this disaster YOU MR. COOPER offered a forbearance plan that would add up to six monthly payments to the principal. As a matter of fact, on your letter dated XX/XX/XXXX YOU stated that YOU MR. COOPER have temporarily suspended my monthly mortgage payment effective XX/XX/XXXX. On XX/XX/XXXX and after several phone calls from me to get details on this program, you admitted that the offer actually was for a loan modification which means changing terms and interest rate on my loan. And tried to force me to continue taking advantage of the program not making payments until XX/XX/XXXX. This is when I reinstated my monthly payments in order to avoid using your fake program and your false offers to help owners under disaster. Let me add that my account has been current since I bought the house in XXXX and became delinquent under your misguiding me with offers that you were never willing to honor. To make things worse, the account shows three different amounts due as follows : 1 ) Your letter dated XX/XX/XXXX shows {$6600.00} 2 ) The web site shows {$5100.00} 3 ) The XXXX statement shows {$8800.00} and a monthly payment of {$2100.00} including escrow. In reference to item 3 ), on your letter to XXXX XXXX, Financial Examiner Analyst II of the Division of Consumer Finance, Bureau of Enforcement dated XX/XX/XXXX you admitted that the account was converted into escrow by YOUR mistake and as such, it was being corrected. This in another false declaration since the June statement still shows the account under escrow with a monthly mortgage of {$2100.00} instead of {$1500.00}. Since XX/XX/XXXX I have continued making payments to the account, having 90 days or three months delay {$4500.00}, amount that does not match with any of the amounts shown in your letters, statements of web site. Again, this problem was created by you and you need to solve it by honoring your offer to add this amount to the principal. Hence, I strongly request you to clarify the amount due as follows : 1 ) Amount to bring the account up to date as of XXXX XXXX, XXXX 2 ) Payoff Amount as of XX/XX/XXXX Needless to say that I am a law abiding citizen. I own other properties, have financial stability, excellent credit score and no offense or criminal records. Your actions are of moral turpitude because they gravely violate the sentiment and accepted standard of the community such as honesty, justice and good moral values. Your intention from the beginning of this problem is to modify the loan to make it more profitable and beneficial to you. Anyone that has owned any property under a XXXX XXXX loan knows that XXXX primary goal is to make affordable mortgages to middle class citizens and this is what you are trying to change. And you continue with your efforts to defraud me of my residence based on false statements and misrepresentation. I have found that you have the tendency to play this type of tricks to homeowners, especially the ones in distress ; all that one has to do is go to the web world and see thousands of claims and complaints about your malicious and fraudulent actions but your tendency has gone beyond the law. As a matter of fact, last year and in less than six months you have had three multimillion-dollar settlements with a state banking regulator over mortgage related issues such as overcharging borrowers, fail to properly investigate consumers complaints, numerous deficiencies and violations including failure to file multiple 90-day pre-foreclosure notices with XXXX. You leave me no option but to appeal to the Consumer Financial Protection Bureau in Washington DC. Once again, I strongly request you -not only for me but on behalf of thousands of consumers who have been abused by Mr. Cooper , to retract from harassing me with your threats. Attached you will find a check in the amount of {$1500.00} to be applied as mortgage payment for the month of XXXX, XXXX. XXXX XXXX
Company Response: Closed with explanation

Timely Response

2019-06-29

Apache Junction, AZ

Incorrect information on your report

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

Account information incorrect
Complaint: Bought home on XX/XX/2019 from XXXX XXXX. XXXX XXXX, an affiliate of XXXX XXXX, took on our va loan and 1st payment was due on XX/XX/2019. We paid in full on XX/XX/2019 and got from XXXX County, Az a copy of home title saying also that it was our home paid in full. Evidently, XXXX XXXX sold our loan to Mr. Cooper who has been calling, sending invoices, harassing us twice a week along with sending late notices. Tried to contact both XXXX and Mr. Cooper many times and still getting nowhere. Mr. Cooper has put our so called loan on our credit report. Filed with XXXX to have it removed but no luck so far. Tried to explain that we did not have a loan with them but they don't care still harassing and threatening to ruin our credit. We are stuck in the XXXX and Mr. Cooper, who XXXX told us Mr. Cooper would not take over loan until XX/XX/2019. Please help as we are elderly, husband a veteran and XXXX. Don't know what to do.
Company Response: Closed with explanation

Timely Response

2019-06-29

FL

Problem with a credit reporting company's investigation into an existing problem

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

Problem with personal statement of dispute
Complaint: In XXXX of 2018, we were notified that our mortgage was to be transferred from XXXX XXXX XXXX to Mr. Cooper. Prior to that, we had been working on a Loss Mitigation case, applying for a Loan Modification as a result of a Natural Disaster Forbearance program through XXXX XXXX. We had spent almost a year working through our loan modification application so I was very uneasy with the idea of a service transfer right in the middle of our application process. I very pointedly asked XXXX XXXX if we would have to start the lengthy process over upon being transfer, and they assured us that Mr. Cooper is required to honor any offerings and resolutions that XXXX XXXX offered. As we neared the start of the service transfer, XXXX XXXX officially approved us for a Loan Modification. Accordingly, we were sent the terms of the modification, which we were to sign, date and return - then we would be done. We obliged and returned the paperwork promptly in early XXXX of 2018. I confirmed with XXXX XXXX that the paperwork was received and that all that needed to happen at this point was processing - they confirmed back. Meanwhile, the service transfer began to Mr. Cooper. I also reached out to Mr. Cooper and explained our situation. Due to previous issues with XXXX XXXX XXXX, I sought to understand a ) how the Loan Modification process would be effected, and b ) if any of this would effect our credit. They mentioned that it would take 60 days for everything to transfer, and upon completion, they would begin to pick up where XXXX XXXX left off. After the 60 days passed and all paperwork had presumably been received, Mr. Cooper claimed that they had no documents showing we had ever been offered a Loan Modification. As a result, they geared up to report negatively to our credit based on the forbearance period of 60-90 days unless we came up with almost {$8000.00} in a matter of weeks. Of course we were unable to come up with that amount of money in that short period of time, so they hit us both with several negative remarks to our reports. I explained to about 5 different people including their Research Team that we possessed documents that showed we had in fact been offered a Loan Modification. However, it suddenly became very clear to me that Mr. Cooper had no such record of these documents. They launched an investigation to get any other missing documentation from XXXX XXXX XXXX, however came up empty handed. Accordingly, Mr. Cooper claimed that due to no evidence of our acceptance into a Loan Modification program, they claimed their negative credit reporting was true and accurate and refused to remove the negative reporting. At the time of the service transfer, we were actively working with both Cross Countrys and Mr. Coopers Loss Mitigation departments AND had been offered an loan modification from Cross Country. I have been told on several occasions by Mr. Cooper that if we had applied for and been accepted into a Loan Modification program, they would honor it. However they ultimately did not honor it, and as a result not only did we have to go through the entire application process all over again, but they also reported negatively to my and my partners credit during the ( re ) application process. All of this because they claimed they did not possess documentation showing our previous acceptance into the program.
Company Response: Closed with explanation

Timely Response

2019-06-29

FL

Problem with a credit reporting company's investigation into an existing problem

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

Problem with personal statement of dispute
Complaint: In XXXX of 2018, we were notified that our mortgage was to be transferred from XXXX XXXX XXXX to Mr. Cooper. Prior to that, we had been working on a Loss Mitigation case, applying for a Loan Modification as a result of a Natural Disaster Forbearance program through XXXX XXXX. We had spent almost a year working through our loan modification application so I was very uneasy with the idea of a service transfer right in the middle of our application process. I very pointedly asked XXXX XXXX if we would have to start the lengthy process over upon being transfer, and they assured us that Mr. Cooper is required to honor any offerings and resolutions that XXXX XXXX offered. As we neared the start of the service transfer, XXXX XXXX officially approved us for a Loan Modification. Accordingly, we were sent the terms of the modification, which we were to sign, date and return - then we would be done. We obliged and returned the paperwork promptly in early XXXX of 2018. I confirmed with XXXX XXXX that the paperwork was received and that all that needed to happen at this point was processing - they confirmed back. Meanwhile, the service transfer began to Mr. Cooper. I also reached out to Mr. Cooper and explained our situation. Due to previous issues with XXXX XXXX Mortgage, I sought to understand a ) how the Loan Modification process would be effected, and b ) if any of this would effect our credit. They mentioned that it would take 60 days for everything to transfer, and upon completion, they would begin to pick up where XXXX XXXX left off. After the 60 days passed and all paperwork had presumably been received, Mr. Cooper claimed that they had no documents showing we had ever been offered a Loan Modification. As a result, they geared up to report negatively to our credit based on the forbearance period of 60-90 days unless we came up with almost {$8000.00} in a matter of weeks. Of course we were unable to come up with that amount of money in that short period of time, so they hit us both with several negative remarks to our reports. I explained to about 5 different people including their Research Team that we possessed documents that showed we had in fact been offered a Loan Modification. However, it suddenly became very clear to me that Mr. Cooper had no such record of these documents. They launched an investigation to get any other missing documentation from XXXX XXXX Mortgage, however came up empty handed. Accordingly, Mr. Cooper claimed that due to no evidence of our acceptance into a Loan Modification program, they claimed their negative credit reporting was true and accurate and refused to remove the negative reporting. At the time of the service transfer, we were actively working with both XXXX XXXX and Mr. Coopers Loss Mitigation departments AND had been offered an loan modification from XXXX XXXX. I have been told on several occasions by Mr. Cooper that if we had applied for and been accepted into a Loan Modification program, they would honor it. However they ultimately did not honor it, and as a result not only did we have to go through the entire application process all over again, but they also reported negatively to my and my partners credit during the ( re ) application process. All of this because they claimed they did not possess documentation showing our previous acceptance into the program.
Company Response: Closed with explanation

Timely Response

2019-06-29

Leming, TX

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: I have a lawyer the company is Mr. Cooper/Nationstar Mortgage and they sold my loan back and forth then sold my house without proper paperwork. Like many people in 5 other states I follow the same pattern to a tee. Why? How? When will this stop? Why am I going through this in Texas if California Oregon New York and other states won class action suits w the same pattern? Why??? I have a handicap first floor just for my disabled father ( who was in the reserves ) my husband, a veteran fought in 2 wars, XXXX year old XXXX high school at XXXX with hopefully an associates, and Im a XXXX XXXX .... broken hearted over this injustice and paying lawyers fees to defend me against these well known unethical mortgage companies from a different nation. They Obviously do not care about our nations laws nor do they wish to abide by them from the trajectory of their court cases. Please help me ... ( XXXX ) XXXX Sincerely, XXXX XXXX
Company Response: Closed with explanation

Timely Response

2019-06-29

OK

Struggling to pay mortgage

Mortgage: VA mortgage

Complaint: I moved out of my home due to domestic XXXX in XX/XX/XXXX. I informed XXXX XXXX XXXX Bank of my new address. NationStar services mortgages through XXXX. Nationstar claimed it never received my new address. In XX/XX/XXXX, my husband was ordered to be responsible for the mortgage payments and all expenses related to the house. We also agreed to put the house on the market, and it was placed in a " for sale '' status. I was ordered to pay him about {$200.00} a month to put towards the mortgage. I also paid rent for the apartment I moved into. In XX/XX/XXXX, I checked the mortgage account and discovered my husband had not made a mortgage payment since XXXX, and that we could face foreclosure proceedings if the account was not brought current. I panicked and called XXXX/Nationstar. I informed them that I did not live in the home and that I had not received any correspondence regarding late/non-payments. The representative I spoke with named XXXX, informed me that I could either make a payment, have my husband removed from the home, or do a loan modification, but only if my husband agreed to it. My husband, of course, refused, because I am the XXXX and this is a VA loan. His goal is to ruin me financially, which is what this foreclosure is doing. My husband also wants to cause me harm by making it more difficult to buy a home in the future. I did not have the money to pay rent and the mortgage. My only option was to have him removed from the home where he lived with my children ( joint custody agreement ). I waited until the end of the school year, when my lease ended, and when I had money to pay an attorney to remove him. When I attempted to contact the XXXX/Nationstar to make a payment, I was blocked out of the account. I called to speak with a representative and was told the house had and auction date. I was shocked and could not understand why I was never given any of this information regarding the house. The XXXX/Nationstar rep ( multiple reps ) informed me that they sent notices to the home ( the house in foreclosure ). I explained that I did not live there and that the person living there, my husband, was attempting to force the home into foreclosure so they should contact the other person on the loan to reconcile the account. XXXX/Nationstar reps, repeatedly, lied and said they did not have my current address or phone number, although XXXX services my auto insurance and has been kept up to date on my addresses. One rep stated XXXX should have provided my information to Nationstar, and they were unsure why it didn't happen. I offered to make a payment, which Nationstar rep refused to receive. I offered to move back into the home and work to get the mortgage payments caught up. The supervisor for Nationstar told me I had to pay {$16000.00} in order to stop the auction. I agreed to pay it, but needed 90 days to come up with it and I asked to move back into the home. The Nationstar supervisor stated this was not possible. I have since moved and had to sign a lease elsewhere, while Nationstar reps continue to call and harass me, asking if my situation has changed as to whether I can now pay around {$21000.00} to reinstate the mortgage. I emailed Nationstar the court orders stating my husband was responsible for the mortgage. I also noted that while I physically lived in the house I made the payments on-time or early. Now that my credit is ruined, I can barely get a decent rental. My complaint is also that Nationstar reps repeatedly informed me that Nationstar did not have an accurate address for me, although their lawyers were also to locate my address to serve me with the foreclosure notice in XXXX. I feel Nationstar refused to work with me because the house is a VA home loan and they feel they will get more money from the VA, guaranteed, than from me as a veteran. In the words of the Nationstar supervisor ( a male, one of only 2 supervisors apparently ) I spoke to, " it's not in the company 's best interests '' to work with me to get my house back ( the call was recorded, so this can be verified ). As a veteran, I feel taken advantage of and violated. Had the house been purchased using commercial financing, I would probably have gotten my house back. I'll never use Nationstar to purchase a home, and I may never use my VA home loan guaranty benefits again. XXXX/Nationstar basically helped my abuser ruin me financially, and as an 11 year XXXX veteran who served in both XXXX and XXXX, and who is now a domestic abuse survivor, I expected better services and assistance than this. When I researched Nationstar as a loan servicer, I discovered many other people have had similar experiences with Nationstar. The reviews on Nationstar are dismal. I have been a loyal member of XXXX for over 12 years. XXXX takes care of their customers and families. The only reason I didn't look up Nationstar when we decided to buy our house is because I trusted XXXX. I never thought XXXX would partner with such a corrupt, money-oriented company that treats their customers with such deception and lack basic integrity. Hopefully, XXXX will cut ties with Nationstar, because Nationstar does not represent the values that XXXX does. It was misleading to promote XXXX/Nationstar together, because XXXX customers expect to be treated with dignity and respect ; Nationstar employees/policies do not understand the meaning of this in the slightest.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-06-28

Hialeah, FL

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2019-06-28

MI

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 filed bankruptcy back in 2011 due to medical reasons. Went through the 7 year wait time, all while still paying mortgage to XXXX XXXX XXXX, Nationstar and currently Mr Cooper. I was told that these companies DID NOT HAVE TO report my 'ON TIME ' payments to the 3 credit reporting agencies. Granted, I do not have ANY credit cards, but shouldn't mortgage payments count?? It was rather surprising to find out that my credit score was, and currently still is, XXXX 'XXXX '. This can not be correct. Please help. Thank you.
Company Response: Closed with explanation

Timely Response

2019-06-28

MI

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 filed bankruptcy back in 2011 due to medical reasons. Went through the 7 year wait time, all while still paying mortgage to XXXX XXXX XXXX, Nationstar and currently Mr Cooper. I was told that these companies DID NOT HAVE TO report my 'ON TIME ' payments to the 3 credit reporting agencies. Granted, I do not have ANY credit cards, but shouldn't mortgage payments count?? It was rather surprising to find out that my credit score was, and currently still is, XXXX 'XXXX '. This can not be correct. Please help. Thank you.
Company Response: Closed with explanation

Timely Response

2019-06-28

WA

Closing on a mortgage

Mortgage: Other type of mortgage

Complaint: I am trying to refinance my home, MR. Cooper holds a Lien on my home for a 2nd mortgage. Problem is I have never heard of them. I have never made a payment to them. And when you call customer service they have no record of my husband XXXX XXXX or me XXXX XXXX, Nothing under our social numbers, nothing under our property address .This has been going on for over 30 days and they just keep telling me they are researching it. I have requested proof multiple times. I have asked for the NOTE lots of times and I have received.
Company Response: Closed with explanation

Timely Response

2019-06-28

Morada, CA

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2019-06-27

South Florida, FL

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: I REQUESTED MY MORTGAGE STATEMENTS FROM XX/XX/XXXX THRU XX/XX/XXXX, SINCE I'VE NEVER RECEIVED THEM, ON XX/XX/XXXX. I'VE RECEIVED NO RESPONSE REGUARDING THIS MATTER. SEREUS/MR COOPER HAVE ADEQUATE TIME TO SEND MY REQUESTED MORTGAGE STATEMENTS. BY LAW I'M ENTITLED TO THESE STATEMENTS.
Company Response: Closed with explanation

Timely Response

2019-06-27

Galt, CA

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2019-06-27

Tarzana, CA

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: I received a letter from the mortgage company, mr Cooper on XX/XX/2019 about an overage in my escrow account of {$8100.00}. The overage is actually {$6200.00} because I've been paying into an escrow account for years. They want me to pay {$1100.00} for 12 months to cover the overage which equals {$14000.00}. That is twice what the overage is and too much for me to handle. My mortgage payment went from {$1400.00} to {$2600.00}. I'm retired and live on social security.
Company Response: Closed with explanation

Timely Response

2019-06-27

Beverly Hills, MI

Struggling to pay mortgage

Mortgage: Home equity loan or line of credit (HELOC)

Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers Closed with monetary relief

Timely Response

2019-06-27

Brockton, MA

Struggling to pay mortgage

Mortgage: Other type of mortgage

Company Response: Closed with explanation

Timely Response

2019-06-27

Belle Haven, VA

Struggling to pay mortgage

Mortgage: FHA mortgage

Complaint: In XX/XX/XXXX we contacted our Mortgage Servicer, Mr. Cooper regarding our inability to make that month 's payment due to a personal hardship. I asked for a deferment and was told that because our mortgage was current they could not defer the payment. In XX/XX/XXXX I again contacted Mr. Cooper and requested assistance. At that time the customer service person told me that Mr. Cooper did NOT offer deferred payments but that she could send me a loan modification package to which I agreed. Following receipt of the package I gathered all requested information and either mailed or emailed it as instructed. I repeated received additional requests for more information and complied. Many times the information they would request would be something I had sent in several times previously. During this process I mailed payments to Mr. Cooper on two different occasions in an attempt to reduce our outstanding balance while waiting for a decision of the modification. I also continued to receive phone calls from representatives of Mr. Cooper attempting to collect our past due payments despite being in the process of trying to qualify for a modification. The callers seemed to have no knowledge that we were working with the modification department. In XX/XX/XXXX we received a letter from an attorney which appeared to be a demand letter for the full amount of our mortgage. Following receipt of this letter I contacted Mr. Cooper and was told that our house was being foreclosed on because they had not received the most recently requested documents. I asked if there was anything I could do and was told that if I paid the past due payments with fees of {$9700.00} ( approximate ) I may be able to save my home. I asked for a timeline and was told I would have to contact the local Sheriff 's office for a date of sale. Several days later I contacted Mr. Cooper again to find out why they would proceed with a foreclosure when I was in the process of a modification and was told the documents I has sent were sent to the wrong address. Today, XX/XX/XXXX I received a call from someone at Mr. Cooper telling me I WAS still being considered for a modification. When I asked what the outstanding balance to bring our account up-to-date was I was told a different amount ( higher ). When I questioned why the amount was higher I was told additional " corporate fees '' had been added. I have kept records of all correspondence, emails and phone calls and have documented the entire process. I am XXXX years old and am not sure how to prevent this company from taking my home.
Company Response: Closed with explanation

Timely Response

2019-06-27

Lexington, NC

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 received a notice in XXXX of 2019 that XXXX XXXX XXXX transferred my mortgage to Mr. Cooper effective date XX/XX/2019. Mr. Cooper has not been reporting my mortgage payments since they acquired my loan. I have being making timely payments with them and none of my payments have been reported.
Company Response: Closed with explanation

Timely Response