NATIONSTAR MORTGAGE

2019-04-02

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2019-04-02

Newnan, GA

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

Mortgage: Conventional home mortgage

Complaint: This is a complaint about how NationStar ( DBA Mr. Cooper ) reported the payoff of my home loan to the credit reporting agencies. My home in XXXX, GA went up for sale on XX/XX/XXXX. By XX/XX/XXXX we were under contract. The closing date was set for XX/XX/XXXX. On XX/XX/XXXX, my wife and signed the Loan Information request form authorizing our closing XXXX, XXXX, to obtain loan balance information from NationStar ( DBA Mr. Cooper ). The attorney did reach out to NationStar, and hence NationStar was aware that our home was under contract to be sold and closing on XX/XX/XXXX. With the closing happened at the end of XXXX, my thinking was the entire loan would be paid off in XXXX, and that final payment would arrive within XXXX weeks after the grace period date of XX/XX/XXXX. However, the closing, though, did not go as planned. The buyers lender was late. We had to push the closing out to XX/XX/XXXX. Our home sale did indeed close on XX/XX/XXXX, but as a result of the delay, NationStar ( DBA Mr. Cooper ) received no payment from me for the month of XX/XX/XXXX at all. It was never my intent to miss a payment. Over the timeframe NationStar has serviced my loan, which must be close to 10 years, not once did I ever miss a payment altogether, nor did I ever fail to make a payment within each monthly grace period. Therefore, they have years of timely payments as a track record for me. My home closing incident is my only blemish. On XX/XX/XXXX, three days after the closing of my home, XXXX XXXX, the President, CEO, and Chairman of NationStar ( DBA Mr. Cooper ), penned me a letter entitled YOU MADE BUSINESS A PLEASURE. In the letter, he wrote the following : Its been a pleasure serving you and I hope weve made your journey rewarding. Please take a moment to congratulate yourself on a milestone achieved. Your home loan with us is paid in full. It feels great, doesnt it? ( See attached letter ). Honestly, it did feel great..for about 8 days. Then, on XX/XX/XXXX, I learned NationStar ( DBA Mr. Cooper ) had posted the missed payment/late payment to the credit reporting agencies. Their posting crushed my credit score as you can imagine because the credit rating agencies have focused on the missed payment, rather than on my loan being paid off in full. Needless to say, I do not feel " great '' anymore. On XX/XX/XXXX, I submitted a credit dispute with NationStar ( DBA Mr. Cooper ) for them to research my issue. I was assigned case # XXXX. I was told that I would have a response by XX/XX/XXXX. I did not receive a timely response. After I made several phone calls, almost on a daily basis, I received an email on XX/XX/XXXX with their response. They found no issues with their reporting of course. That letter is attached. On XX/XX/XXXX, I submitted to NationStar ( DBA Mr. Cooper ) a letter requesting a goodwill adjustment to my credit report, laying out the case in a similar manner I am doing here. That letter is also attached. I received a response from them on XX/XX/XXXX, which was basically NationStar ( DBA Mr. Cooper ) reattaching their response letter from XX/XX/XXXX to an email. I can only conclude NationStar ( DBA Mr. Cooper ) does not care how much they harm someone's credit worthiness. What else can I conclude when I have a track record of years and years of no issues regarding payments. Then, after I have paid off the loan in full, they penalize me! Their motto of how people can do business comfortably with them by " hangin ' with Mr. Cooper '' is a total farce. All they did to me was " hang me out to dry! ''
Company Response: Closed with explanation

Timely Response

2019-04-02

Corona, CA

Struggling to pay mortgage

Mortgage: Other type of mortgage

Company Response: Closed with explanation

Timely Response

2019-04-02

Traver, CA

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: In XX/XX/XXXX I contacted Mr. Cooper representatives about having my PMI removed from my loan on my house. I agreed to pay for a drive-by appraisal. I was told by Mr. Cooper representatives that the appraisal would be performed by an independent third party local appraiser and that an actual drive-by would be conducted. A Mr. Cooper letter dated XX/XX/XXXX denied my request to redo the appraisal for the reasons listed below. The letter indicated that there were no errors in the appraisal I had previously contacted Mr. Cooper representatives by phone. During contacts, I clearly listed and identified my reasons why the appraisal was inaccurate and why the denial was not based on correct information. I spoke with XXXX at Mr. Cooper on XX/XX/XXXX. It was indicated that I needed to send a letter or e-mail if I thought the basis for the denial was not correct. Shortly thereafter I did this, however I was given an incorrect e-mail. I then contacted Mr. Cooper in late XXXX and obtained another e-mail and on XX/XX/XXXX and resent my e-mail that listed the reasons. Reasons why the denial was not accurate and not fair are as follows : 1 ) all but one of the pictures with the copy of the price opinion provided are for a different nearby house with a XXXX XXXX address and the only correct picture is the one of our garage with the posted address ; 2 ) there are no comparisons in the price opinion for XXXX XXXX and XXXX, the nearest community ; 3 ) XXXX XXXX is a resort location and 2 to 3 miles from the XXXX entrance to XXXX and property values and costs are much higher than the comparisons included in the price opinion ; 4 ) I had previously sent copies as indicated by a Mr. Cooper representative copies of listings for houses for sale in XXXX XXXX and XXXX, and as noted in the listings the price per square foot are much greater than the comparisons that were used by Mr. Coopers subsidiary and range from {$270.00} ( partially dismantled house ) to {$590.00} per square foot ; 5 ) when we purchased our home about 10 years ago is was described as having 1400 square feet and the price opinion lists 1173 square feet ; 6 ) the company that performed the appraisal is affiliated with Mr. Cooper, is not an independent third party and as a result there is a bias ; 7 ) when I agreed to pay the fee to see if the PMI could be removed it was clearly indicated by Mr. Cooper representatives that a local third party that was a licensed appraiser and unbiased appraiser would perform the appraisal ; 8 ) the name of the person on the appraisal lives in Texas and works for a Mr. Cooper subsidiary ; and, 9 ) the pictures in the appraisal package sent to me by Mr. Cooper are based on photo shots from XXXX, as when the house is viewed on XXXX the same incorrect pictures come up. I believe that Mr. Cooper 's PMI department has committed fraud, as they billed me for activities and services that were not conducted as agreed to. The PMI from my loan must be removed from my required loan payment. If this requires a new appraisal then I request it must be completed by an experienced independent third party who will actually drive-by my house and who will prepare an honest and accurate appraisal based on accurate property/home values in the XXXX XXXX and XXXX areas. One of my most recent contacts with a Mr. Cooper representative was when a Ms. XXXX XXXX ( XXXX ) called me on XX/XX/XXXX and indicated that my recent " dispute '' was denied and that I had no " recourse. '' I mentioned many of the reasons noted above, some of them several times and told that it was still declined. I was then put on hold. Ms. XXXX then apparently looked at pictures on record for when I originally obtained my mortgage. Apparently it was noted that the pictures in the recent appraisal were for the wrong house. Ms. XXXX indicated that she would call me back later in the week and as of today 's date had not. On XX/XX/XXXX after waiting on the phone for over an hour I spoke with XXXX in Mr. Cooper 's Arizona PMI department ( XXXX ). She indicated that that there was nothing she could do and that I could have an inside inspection for a more accurate appraisal. I explain why there was an error and asked to speak with a Supervisor. I was told that there were none in and that one may call me back tomorrow. Please help make this right.
Company Response: Closed with explanation

Timely Response

2019-04-02

Simi Valley, CA

Incorrect information on your report

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

Account status incorrect
Complaint: In 2016, I had a mortgage on a rental with Nationstar Mortgage. Payments were made by my agent with money orders. In XXXX he sent two money orders in one envelope. Nationstar cashed one and lost the other. He and I worked diligently and in good faith for months trying to get the lost money order applied. Nationstar told us, for months, not to send another money order. We have dates and times of voluminous email messages from Nationstar and tape recordings of some calls. Nationstar was not dealing in good faith. They started applying payments for subsequent months to the 'delinquent ' amount. This resulted in subsequent months being delinquent. However, I was never delinquent in payment. The only funds missing was the money order Nationstar lost. We even sent them copies of the money orders. It became so stressful I finally sold the rental. I even sent Nationstar additional funds to cover those that they lost. Technically, they owe me money. However, all I wanted was to close the account, so I told them I would not make any claims if they would just fix the credit. They failed to do so. I initiated claims with Credit reporting agencies and they still refuse to correct their error.
Company Response: Closed with explanation

Timely Response

2019-04-02

TX

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: I had a mortgage with Seterus, Inc. We had a house fire that was a total loss on the date of XX/XX/XXXX. Two days later we requested a 10 day payoff, and when we got that number to work with, we had our insurance company send out a check which arrived on XX/XX/2018. I did not hear from Seterus for two months, but then they started sending us payment demand letters. After talking to them, they said they did not get the check, then they said they did receive the check, but sent it back to the sender, then they tried to say that I sent it to the wrong location and was responsible for additional fees and interest. I called them several times between XXXX and XXXX of 2018. They finally told me that I would need yet another 10 day payoff to resolve this issue. This one was for an additional {$7000.00}. I sent them the additional {$7000.00} even though I did not owe them anything, but they sent the wired money back the very next day, claiming that I was {$160000.00} short. They then proceeded to file for foreclosure on my property, then paid my property taxes two weeks later so that there was something to hold over my head. I got help from an attorney and my insurance agent to stop the foreclosure in XXXX, but they are apparently after me again. The mortgage sold to a company called Mr Cooper, and they are asking an additional {$19000.00}. Additional call logs from my history with Seterus : XXXX This is the date of the total loss of the house XXXX Request for 10 day payoff from Seterus XXXX Payoff request amount of {$160000.00} received by XXXX XXXX XXXX Check for payoff sent overnight, received by Seterus on XXXX, but not processed until at or around XXXX XXXX had been waiting for release of lean paperwork but it never showed. Called Seterus and was informed that they had received the payoff check, but claimed they did not know what to do with the check. They said that they did not know if we wanted to keep the mortgage open in case we wanted to rebuild and keep working with Seterus for our mortgage needs. Advised me that I would need a new 10 day payoff amount XXXX Called and spoke to customer service and property loss, no one haas answers, spoke to XXXX XXXX, she sent me to property loss, Spoke to XXXX empoyee id XXXX with Property loss, she says the she is submitting the request for payment internally and that we should call back in 1-4 business days or at least by XXXX. They claimed that we did not send in a written request with the check requesting to pay off the mortgage, we sent this item in, but they rejected it claiming it was not our signatures, resubmitted the request, was to call back in 1-4 business days XXXX XXXX XXXXwould not give me his last name or employee number, claims he is the only XXXX that works for the company. Claims that that they are reviewing the request, if they are satisfied, they will take our check and pay off our loan along with dismissing the charges and interest that have accrued since the receipt of the check XXXX Spoke to XXXX, she says that the signatures were wrong on the request for payoff, requested us to resign and resend the request, and wait for reprocessing XXXX XXXX- nothing resolved, was informed of a shortfall in escrow, requested an explanation, but there was none XXXX loan number-30344659 XXXX XXXX at XXXX restated same thing as XXXX XXXX XXXX claimed that seteris was going to pay property taxes for the year 2018, but the tax but has not been sent yet, advised me to wait until the tax assesment is done. She informed me that my property was placed in forced place insurance I informed them that there was nothing out there to insure, they asked me if the foundation was still there, I told them no, but they still forced the insurance taxes tel number : XXXX insurance tel number : XXXX acct # : XXXX csr with insurance- force place insurance : XXXX XXXX XXXX sent me to late stage insurance XXXX-informed me that the check had been sent back to the insurance company ... claimed that the initial payoff was not enough money due to additional shorfall in escrow ... some of was caused by forced insurance XXXX XXXX with Seteris called me, she said that they are still reviewing my request, there has been no progress since the XXXX of XXXX. When asked what my next course of action is, she said to hold back and wait for review and response. She said that if I have not heard back in a few days, I should call in at XXXX XXXX XXXX XXXX XXXX They refused any other payment than Electronic funds transfer XXXX XXXX XXXX XXXX XXXX rout XXXX acct XXXX loan number XXXX mention payoff Was told that the reason why we were still not paid off was because we still owed money in escrow because of tax. Wired them XXXX, but the money was sent back to the bank. Seterus did not inform me that the money was sent back. I found out that the money had been returned by a call from my bank. They refused any other payment than Electronic funds transfer XXXX XXXX ( Seterus attorneys office ) - foreclosures-XXXX-told me to send a request for a new 10 day payoff. that request was sent on XXXX. XXXX address, last 4 of social, loan number email -XXXX XXXX XXXX I called because they refused my payments again. XXXX XXXX they claim they dont have enough money yet, and that they need to submit for another 10 day payoff, this payoff was over {$160000.00} In addition, we had an insurance claim in the spring of 2018. We paid our deductible, Seterus paid the first draw to my roofing company, but they never paid out the final draw. My wife and I had to pay the final draw out of our pocket. The sum of that Seterus never paid is being held in suspense for a total of {$1600.00}. We really need your help to get out from these predatory lendersplease help us
Company Response: Closed with explanation

Timely Response

2019-04-01

Hesperia, CA

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2019-04-01

Acushnet, MA

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2019-04-01

Barstow, CA

Trouble during payment process

Mortgage: Other type of mortgage

Company Response: Closed with explanation

Timely Response

2019-04-01

Waupun, WI

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2019-04-01

PA

Trouble during payment process

Mortgage: FHA mortgage

Complaint: After filing a complaint via cfpb against Mr. Cooper Mortgage in XX/XX/2019, I was verbally, and in writing, told our initial new mortgage payment would begin XX/XX/2019. However, today, XX/XX/2019 I received via US Mail a statement that reflects the initial mortgage payment listed as XX/XX/2019 ... that's today! Below is an extract of their response from the previous " bankruptcy '' complaint I filed in XX/XX/2019. " After review, we have confirmed that you did not file for chapter XXXX bankruptcy and will have the bankruptcy information and coding removed from the account. Also note that there will be no negative effect to the credit. The account currently shows as due for XX/XX/2019. " ( Complaint # XXXX ) Sadly, this is the second complaint I find it necessary to file prior to the initial payment with this company.
Company Response: Closed with explanation

Timely Response

2019-03-30

Hayfield, VA

Incorrect information on your report

Mortgage: FHA mortgage

Complaint: Mr. Cooper continues to provide false information about my mortgage with them to the credit agencies. They have reported to XXXX that it is closed ( lie ) and they report to XXXX the incorrect balance and NO payment history.
Company Response: Closed with explanation

Timely Response

2019-03-29

Scottsdale, AZ

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: Seterus Mortgage sold my loan servicing to XXXX XXXX XXXX on XX/XX/2019. I received a letter from XXXX XXXX XXXX on XX/XX/XXXX stating they had taken over the servicing of my loan and that I had not made my XXXX or XX/XX/2019 mortgage payments. My loan is currently in their lost mitigation, collections, department! I emailed and faxed copies of my cashed checks to XXXX XXXX XXXX, front and backs which shows and proves that Seterus Mortgage received and cashed my XXXX and XX/XX/2019 mortgage payments before they transferred the servicing of my loan to XXXX XXXX XXXX!! XXXX XXXX XXXX has all of the documentation and has stated that it is up to Seterus Mortgage to decide if the payments were received! I feel its an issue that both these servicing companies need to resolve! I have given them proof that I made those payments and Seterus cashed and received them. This has been going on for almost sixty days and needs to be resolved now!!!
Company Response: Closed with explanation

Timely Response

2019-03-29

Edmond, OK

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2019-03-29

Long Beach, CA

Struggling to pay mortgage

Mortgage: Reverse mortgage

Company Response: Closed with explanation

Timely Response

2019-03-29

FL

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: My mortgage used to be with Seterus. A new company acquired my mortgage. The company is Mr. Cooper. My old mortgage payment was {$1000.00} per month. When I received a bill from the new company the mortgage was now {$2500.00} a month. The new company showed charges for acquiring my mortgage such as an appraisal, lender expenses ( XXXX ) and a late fee of {$170.00}. I received a letter from the stating no late fees would be assessed for 60 days. This seems excessive for a late fee any way. I have tried to call the company but am always on hold for about 30-45 minutes before I get frustrated and hang up. I received a letter stating nothing would change with the mortgage payment. I don't understand how they can do this. I didn't ask them to buy my mortgage. Please help
Company Response: Closed with explanation

Timely Response

2019-03-29

Addisleigh Park, NY

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2019-03-29

MO

Applying for a mortgage or refinancing an existing mortgage

Mortgage: VA mortgage

Complaint: was promised by mr. cooper finance company as part of the agreement to refinance my loan that they pay off an existing loan I had with XXXX XXXX in the amount of XXXX dollars but they did not pay that and when I call them I get no answer and no return call from them. mr. XXXX XXXX was the man who promised me this. loan # XXXX
Company Response: Closed with explanation

Timely Response

2019-03-29

Venice, FL

Trouble during payment process

Mortgage: FHA mortgage

Company Response: Closed with explanation

Timely Response

2019-03-29

Glenn Dale, MD

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2019-03-29

Portsmouth, VA

Trouble during payment process

Mortgage: FHA mortgage

Company Response: Closed with explanation

Timely Response

2019-03-28

Closing on a mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2019-03-28

Bedford, TX

Incorrect information on your report

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

Account information incorrect
Company Response: Closed with explanation

Timely Response

2019-03-28

Memphis, TN

Attempts to collect debt not owed

Debt collection: Mortgage debt

Debt is not yours
Complaint: My mortgage was sold/transferred from Nationstar Mortgage to XXXX XXXX XXXX in XX/XX/XXXX. I have made mortgage payments to XXXX XXXX XXXX without missing a payment since this transfer although I was under Chapter XXXX Bankruptcy since XX/XX/XXXX. I was discharged from the Chapter XXXX Bankruptcy in XX/XX/XXXX. I began receiving phone calls from XXXX XXXX XXXX that my mortgage payment was 30 days delinquent. I informed them that I had been under Chapter XXXX Bankruptcy but my mortgage was not under the bankruptcy and I had continued to make mortgage payments throughout. I forwarded 2 years of payment verification to them and they responded in writing on XX/XX/XXXX, stating they had received my information and was researching my account. Next they mailed me a letter stating the there was a payment due XX/XX/XXXX and it had not been received and they were charging a late payment of {$12.00} to my account. I then phone them and request a manager, I was connected to a supervisor and I explained my problem. The supervisor when over all of the payments that I made since the account was sold/transferred to XXXX XXXX XXXX and discovered that a part of the payment I sent for the XX/XX/XXXX in the amount of {$470.00} had been applied to {$420.00} in foreclosure fees. The supervisor said the foreclosure fees came over with the account from Nationstar Mortgage. I informed the supervisor that my mortgage had never been in foreclosure, but that I was aware that Nationstar had tried to submit a claim through the Bankruptcy Court that I had missed 3 payments in XX/XX/XXXX. I explained that I had never missed a payment on the mortgage and that I had documentation from Bankruptcy Court that the motion was withdrawn after I provided payment verification to the Bankruptcy Court. The supervisor advised me to forward submit my documentation, which I did on XX/XX/XXXX. XXXX XXXX XXXX then responded to me by letter stating they received my correspondence, researched my account further and removed the fees. They also included a corporate advance history for my account documenting that {$420.00} in fees listed as a beginning balance had been charged to my account on XX/XX/XXXX and that a credit in the amount of {$420.00} had been applied on XX/XX/XXXX. The corporate advance history also showed XXXX other fees had been charged to my account, {$420.00} in FC ATTY Fees on XX/XX/XXXX ; {$270.00} in Bankruptcy Costs on XX/XX/XXXX ; and {$150.00} in Bankruptcy Fees on XX/XX/XXXX. This same letter also informed me that my account was still delinquent and due for the XX/XX/XXXX payment, although I had mailed a payment in the amount of {$510.00}, which was credited to the account on XX/XX/XXXX. I phone XXXX XXXX XXXX again on XX/XX/XXXX and requested to speak with a manager and after explaining my problem, I was told that the fees came to them with the account and that a manager was not available at that time and someone would return the call to me. I have not received a call from anyone from XXXX XXXX XXXX as of date. My mortgage has not been in foreclosure and there was no claim from Nationstar nor XXXX XXXX XXXX listed in my Chapter XXXX Bankruptcy.
Company Response: Closed with explanation

Timely Response

2019-03-28

FL

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: In XXXX of XXXX, Hurricane Irma hit Florida. Living in XXXX Florida, XXXX XXXX County, we had very little damage to our home, however, a small tornado had hit next door, and a dozen or more trees were down, all along our fence line. We called our mortgage company, Mr Cooper, formerly known as Nationstar Mortgage, and they told us about the disaster deferment. We requested it, and were told, we had it. That was in XXXX of XXXX. In XXXX, we received a normal bill and called Mr Cooper, we were told to ignore that billing. We were told it was a simple matter of their computers being behind. Data entry still catching up. The same was told to us when we called about a 'late ' billing in XXXX. In XXXX, they told us that they were sending us an application for a mortgage modification. We argued that we do not need such a thing, as we haven't had a problem paying our $ XXXX/ month payment. We were actually seeing a drop in the mortgage principle balance of close to $ XXXX/month. ( I have our payment history, pay off statements, and the modification offer ready to submit. ) Mr Cooper representatives explained that this was simply a procedure that they must follow. When we insisted on further explanation, we were advised that if we do not apply for this modification, they would revoke the disaster deferment and we would be 3months late. at which time, they could foreclose. We filled out their application. it would take nearly two years for them to send us their modification offer. During which time I have learned that they are not reporting anything at all to the credit bureau. In fact, the last thing reported at all was Nationstar, it looks like we paid our home off. Asking them to simply refinance the home is met with the explanation that they do not even finance our type of home to begin with. A XXXX permanently affixed manufactured home. They only obtained us through a book of business purchase from XXXX XXXX XXXX. This is generally followed by a further explanation that even if they could, as we are three months behind, they wont. In our payment history, it is clear that we have made all payments on time, other than three months, during what was supposed to be, the deferment period. It is also clear that all payments were resumed in XXXX of XXXX, and none have been late, since that time. In XXXX of XXXX, we requested a pay off statement, and listed our home for sale, as that seems the only way to get away from this company. We learned that most lenders will not work with us as we are in this forced Modification Process. If we chose to accept their modification, that in it self does further damage, and no one will work with us for a minimum of 1-2 years. Their modification offer arrived with the following details ... a reduction of interest rate from 9 % to 4.5 %. An increase of escrow from {$88.00} to over a hundred. The final payment to decrease from {$560.00} ti {$550.00}. Im of the opinion that this is not a modification at all, but a means to steal our money as they have done for the past two years. Not only are they not post our payments, but there has been no further portion posted to the principle balance since this began. I am relisting my home, as I type. It seems the only way I can find relief from a corrupt, predatory lender. As I have been at this for some time, I have discovered that this company is becoming well known as a company to 'save home owners from '. Realestate Agencies, working to assist in helping people recover from foreclosures by this company, due to the same practice they are using on us. Lenders fighting to create new creative financing to help people in our situation to recover from the abuse and damage to credit that this company creates with these practices. I am one of the millions who was charged the {$15.00} fee for a home inspection that never occurred, during this fight. The company claims to inspect our home from a road that over 300yards from our home, wrapped in trees, not visible from the road. I am begging you. help us. My newly widowed mother is also mortgaged with this company, they have sent her an offer to reduse her interest rate. I am begging her NOT to even start that process as her home is even older than mine. And she will end up in this same situation, fighting to either keep that home, or in desperate need of a new one.
Company Response: Closed with explanation

Timely Response