NATIONSTAR MORTGAGE

2019-03-05

MA

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: In XXXX I contacted XXXX to inquire about a rate reduction on my mortgage. My payments on my {$410000.00} loan were CURRENT. My rate was 6.5 %. Previous inquiries I was told that I did not qualify for a modification unless I was delinquent or wanted to become delinquent ( NOT ACCEPTABLE TO ME ) and I did not qualify for a refinance because a second mortgage ( ( XXXX ) gave me negative equity. My house was worth XXXX. I was struggling. I was told that day that a new program would allow for me to get a modification WITHOUT being delinquent. I was elated. Filled out application. Wrote Hardship Letter making it clear I did not want to be made delinquent. Asked about payments during process ( XXXX and XXXX XXXXtold not to worry ). Approved and put on 4 month trial at 4.6 beginning XX/XX/XXXX auto debit. HOWEVER they were only capable due to XXXX Software Constraints of setting up for 3 months!!!! Didnt tell me. I didnt sign. When XX/XX/XXXX didnt auto debit I called in early XX/XX/XXXX, was told I blew it. No longer qualified! I didnt call to set up my 4th month!!! I got the State of MA Division of Banks involved. They resolved the issue but the last payment was taken XX/XX/XXXX. My modification documents were dated XX/XX/XXXX. Principal XXXX!!! Not my original XXXX! I was told that reflected all of the missing monthly payments including XXXX and XX/XX/XXXX, missing principal for remainder XXXX, and XXXX. And that my credit showed I was 5 months delinquent! The young lady on the phone told me I was fortunate that XXXX was offering me a modification and that I was in foreclosure and could have my house repossessed! I was absolutely dumbfounded! I wanted to speak to the underwriters, supervisors XXXX had requested before, but as always, no one is ever available which is why I got the state of MA involved. They told me that if I did not sign my rate which was a variable was going up in the next month, would make my payment so high I would not be able to pay the mortgage anyway since it would revert to a P & Ischedule. I questioned the fact that I was promised that I would not be made delinquent, that I could have remained current and she laughed. She said no one modifies unless they are delinquent!!!!! So I signed. My document was dated XX/XX/XXXX ; I sent it back and it did not arrive until late XXXX. The person set me up for auto debit beginning XX/XX/XXXX. GUESS WHAT. ON XX/XX/XXXX, I got a letter offering me MORTGAGE ASSISTANCE BECAUSE I WAS 2 months behind. I had missed my XX/XX/XXXX payment. I called a supervisor. She said even though the Rep made a mistake by setting me up for XX/XX/XXXX, it was my fault. I have spent the last 2 years trying to pay down the principal that I should not have accumulated, have tried to pull up a XXXX credit score, and I had to go on a payment plan immediately to make up that 1st missed payment because of an unscrupulous company!!! I have tried unsuccessfully to sell my house in Massachusetts. The market finally reached the point where I may break even, but that extra XXXX is a deal breaker and I can not stop thinking about how much of a negative affect XXXX had on my financial well-being. I was a XXXX year VXXXX XXXX at XXXX XXXX ( XXXX ) and I can not believe the treatment and still question the legality. I just finished getting my MA and XXXX XXXX XXXX where I studied illegal lending practices and how your agency can help. So I thought I would write!! Today, I called XXXX to order my file and guess what! My loan has been transferred to MR COOPER?? Doesnt sound too promising!!! Too bad they did send me the notification 15 days ago. If you can help me I would surely appreciate your help!!
Company Response: Closed with explanation

Timely Response

2019-03-05

Magnolia, TX

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2019-03-05

Trouble during payment process

Mortgage: VA mortgage

Company Response: Closed with explanation

Timely Response

2019-03-05

Murray, UT

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: Loan number XXXX Dear Seterus, My husband XXXX XXXX passed away in XX/XX/XXXX. The first payment I made to XXXX was missed by XXXX, the account number with XXXX XXXX. Later the loan was sold to Seterus, account number is XXXX. I never paid late to both XXXX and Seterus, but they charged me the late fee because that missing payment by XXXX. Finally, my son accidentally paid all the late fee in XX/XX/XXXX, where I was in XXXX, he paid to Seterus in the amount {$1500.00}. I had to call many times both to XXXX and Seterus. I had to file a case with CFPB first time in XX/XX/XXXX, the case number XXXX, second time with CFPB in XX/XX/XXXX, case number, XXXX. XXXX did issue me a check in the amount of {$970.00}, the same amount XXXX miss calculated the payment I sent to the bank after my husband passed away. Seteurs denied my complaints and sent me letters inXX/XX/XXXX and in XX/XX/XXXX said I am not the authorized representative. I was never refunded the late fees we paid inXX/XX/XXXX. I am the owner of the property, the title is in my name right now, I have attached the court document. My number is XXXX XXXX. Sincerely, XXXX Ma XXXX, XXXX XXXX
Company Response: Closed with explanation

Timely Response

2019-03-05

Stafford, VA

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2019-03-05

Brooklyn, NY

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2019-03-05

South Florida, FL

Incorrect information on your report

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

Account status incorrect
Complaint: My home mortgage with Nationstar Mortgage is not being reported. The co-borrower, XXXX XXXX, filed bankruptcy and received a discharge. I did not. I have been paying my mortgage on time monthly and would like for this to be reflected.
Company Response: Closed with explanation

Timely Response

2019-03-05

MD

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: My mortgage is now being serviced by MrCooper. I called their customer service at XXXX around XX/XX/2019 and explained the issue that their escrow analysis seemed to be too high and based on incorrect information. They gave me an email address to send documents to and I sent them the attached copy of our real estate tax bill to XXXX and included the following information in the email on XX/XX/2019. I have had no response or acknowledgement regarding my request to have my escrow analysis relooked at. This was the email message. Hi Please look at my loan # XXXX for XXXX XXXX XXXX, XXXX, MD XXXX since you increased my monthly escrow payment to {$1500.00} and noted that my taxes are over {$12000.00} when they are {$8400.00}. Attached is the most recent tax bill from my county for you to review and look at in calculating a correct escrow payment. Thank you I am attaching my tax bill and the escrow statement from them showing their escrow analysis which seems to be using {$12000.00} for property taxes when the property tax bill is actually {$8400.00} which I received from the county where the property is located.
Company Response: Closed with explanation

Timely Response

2019-03-05

Ft Myers, FL

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: This complaint dates back to last XX/XX/XXXX during a loan modification which was done with XXXX ( Account # XXXX ) my previous loan servicer this was after a 2 month forbearance after Hurricane Irma. They had indicated a shortage to my escrow account in the loan modification documents. I was provided different information every time I spoke on the phone with a XXXX representative. One would say I had an overage, others would say I had a shortage. The modification documents indicated at {$1900.00} shortage. I called, I emailed and wrote letters, I requested a Escrow review of my account in XXXX and XXXX and was told one would be done. They kept delaying and I finally had to sign the Modification documents on XX/XX/XXXX under duress otherwise the Modification would be withdrawn. No review of my escrow was ever done by XXXX, I discovered what appears to be an error when I reviewed the two Escrow Disclosure statements from XXXX for XXXX and XXXX. The Escrow balance for XX/XX/XXXX shows an actual escrow balance of {$2200.00}, the next statement shows a XXXX actual balance for XXXX, a difference of XXXX when only XXXX should have been withdrawn from this account to pay for the monthly mortgage insurance. I have recently contacted by phone and email to XXXX and they have not responded. In XX/XX/XXXX my loan servicing was transferred to Mr Cooper ( Formerly Nationstar Mortgage. ) ( Account # XXXX ). Mr Cooper did do a escrow analysis in XXXX of XXXX. That analysis was completely mishandled and they indicate a shortage of XXXX in my account. Even though my account is currently at a XXXX deficit as of XX/XX/XXXX. Their major errors was their analysis to my Hazard insurance and Morgage insurance. They indicated the Hazard insurance was XXXX last year ( when it was actually XXXX ) and this year the correct amount of XXXX. The Mortgage insurance they again misquoted last year at XXXX ( the actual was XXXX ) and listed this year the correct amount at XXXX so they are showing a difference from last year to this year of XXXX increase. This is totally wrong. They are demanding the difference be paid in a lump sum or have my monthly payment increased to cover the shortage over a year period. I have contacted Mr Cooper by phone on XX/XX/XXXX and was told someone would look at it but no one from their Escrow will call, just an email. I have also sent a letter stating the error. The new charges will be taking effect in XXXX so something needs to happen quickly. The simple facts are that my Hazard insurance has gone down from XXXX to XXXX. My taxes did go up from XXXX to XXXX, so the net effect of the two is only XXXX. I am already paying one shortage based on XXXX miscalculation and that was to be spread out over 5 years. I want both XXXX and Mr Copper to correct the errors made to my escrow account and have XXXX send the deficiency to Mr Cooper post haste. I want Mr Cooper to revise the shortage based on all of this information. Contact Information : XXXX : XXXX XXXX XXXX XXXX, NJ XXXX Phone XXXX XXXX XXXX : XXXX XXXX XXXX XXXX. XXXX, Tx. XXXX Phone XXXX
Company Response: Closed with explanation

Timely Response

2019-03-05

Ashton, MD

Incorrect information on your report

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

Old information reappears or never goes away
Complaint: We recently pulled our credit report and discovered that Nationstar is reporting sporadic late payments on our closed account for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. According to Nationstar 's Detail Transaction History for this account, a late fee in the amount of {$84.00} was assessed starting XX/XX/XXXX and for several months thereafter ( see attached ). The Date of First Delinquency ( DOFD ) is XX/XX/XXXX, which Nationstar admits. According to the Fair Credit Reporting Act ( FCRA ), negative entries can only remain on the credit report for seven ( 7 ) years from the DOFD. Therefore, seven years from this date is XX/XX/XXXX, at which time all negative reporting must be deleted. As of this date, this negative reporting still remains on our credit report and Nationstar refuses to remove it. This account was closed in XX/XX/XXXX, as it was refinanced with a new Nationstar account, which has never been late. We never had any late payments prior to or after this time period. We are requesting that Nationstar delete their inaccurate reporting on our credit report immediately.
Company Response: Closed with explanation

Timely Response

2019-03-05

Key Biscayne, FL

Trouble during payment process

Mortgage: FHA mortgage

Complaint: My mortgage company XXXX XXXX no longer opens as XXXX instead https : XXXX, looks like a scam, no one seams to be aware that perhaps XXXX no longer exists, I WANT TO MAKE MY payment on time and NO ONE is aware of this, yet when I manage to contact them XXXX they ask for my loan #, I gave it to them and they kept saying NO you do not have a loan with us, and next they ask for my SS. to that I did not accept, again it is a mess this looks like 2008 again and they purposely transfer you to the automated system, if you say the wrong thing this will place you on hold, yet if you want to buy or you pretend to be a buyer the answer is immediate, and the loop starts again .... On XX/XX/XXXX at XXXX I have tried again and again and no one knows what the XXXX is happening .... great XXXX XXXX Supervisor `` believed that the loan was purchased '', ... " we buy thousands and thousands of loan / portafolios '' stated the previous rep, Mr. XXXX stated that transferred to another " live licensed rep '' at the end of the call " sorry the representatives are gone for the day. ", Gentlemen, this really XXXX looks like 2008 again, this is destroying AMERICA and is happening during you watch, I hope someone does something about it, I can not imaging man and woman in uniform dealing with all this red tape, when instead of returning to his families they have to spend days trying to " PAY ON TIME THEIR MORGAGES ''. but you can always call Mr. COOPER .... right? sorry I forgot since is so big SO BIG you can do nothing about it. Sad ..
Company Response: Closed with explanation

Timely Response

2019-03-05

Stkn, CA

Trouble during payment process

Mortgage: FHA mortgage

Complaint: Seterus, Inc. has been our loan service for years. We have not missed a payment which I can document with cancelled checks, bank statements and the Seterus website to show we have made the payments every month since XX/XX/XXXX. XXXX claims we went delinquent for the months of XXXX. and XX/XX/XXXX even though I have the bank statements showing the payments. Seterus then claims we did not make payments for XXXX, XXXX, XX/XX/XXXX, yet we have the bank statements to disprove that. They have threatened us with foreclosure. They have falsely reported us as late with the credit bureaus severely damaging our credit scores. I have written them about this issue and they refuse to cooperate claiming their records are correct. All of my records disprove their false assertions, yet they continue to report us as late. I have sent them a letter documenting every payment in question. We have been notified they transferred our account to Nationstar Mortgage, dba Mr. Cooper. We have not resolved our issue with Seterus, therefore, it appears it will carry over to Mr. Cooper.
Company Response: Closed with explanation

Timely Response

2019-03-04

Chicago, IL

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Tel : XXXX SUB : MR. COOPER LOANS A/C #, Property Address : Dear Sir / Madam, I am writing to you after going through painful procedure with Mr. Cooper. I have purchased my home in XXXX of XXXX. It is my primary home and I tend to keep it. Since XXXX my main mortgage was always on auto debit. During the last 17 plus years, my loan was transferred to multiple lenders but my auto debit continued without any problem. I never had to check my account to ensure about the payments as it was going on for over 17 years via auto debit. The problem started when Mr. Cooper stopped taking auto payments from my bank account in XX/XX/XXXX. I have a copy of XX/XX/XXXX statement which states that my auto debit will be on XX/XX/XXXX. I thought everything is going as usual. Copy is attached for your reference which clearly states that my next payment will be auto debit. In XX/XX/XXXX, I got a first call from someone stating that they are from Mr.Cooper and started threatening me that I did not pay mortgage for 3 months ( XXXX XXXX ) and they are going to foreclose my house. I was shocked and promised to call them back after checking with the bank. I checked with my bank and realize that Mr. Cooper did not post the payment from XXXX. I called them back asap and try to resolve it. I inquired that why they stopped taking the payment to which they were giving me multiple answers. First they said that I stopped it which was wrong as I didnt. Then they said its your husband who stopped it which was wrong again. Then they put me on hold for almost 15 minutes and told me that the auto debit was supposed to be finished until XX/XX/XXXX and I have to reinstate it. Wrong information again as I have XX/XX/XXXX statement which states that auto debit will be on XX/XX/XXXX which never happened. After 40 minutes of conversation, they were still unable to give me a satisfactory answer. I wanted to resolve the issue but it was impossible for me to pay entire 3 months of payment. The agent suggested loan Modification which I liked. I was told that they will put me into a 90 days trial payment plan and upon successful completion of it, I will be able to go for Loan Modification. I agreed. I also asked them to if I can make a payment for XXXX to which I was told that no payment can be made until I clear the 90 days trial period. My first payment was on XX/XX/XXXX for {$370.00} XX/XX/XXXX ( for XXXX Payment of {$370.00} via phone call XX/XX/XXXX ( for XXXX ) - Payment of {$370.00} via phone call XX/XX/XXXX ( for XXXX ) - Payment of {$370.00} via phone call XX/XX/XXXX I made the last payment of the trial period and inquired about the next steps. I was told that I qualify for Loan Modification and will get the documents in the mail. XX/XX/XXXX I waited and did not get any document in the mail. I called them again as I was worried about the XXXX payment. I made payment for XXXX for {$340.00} and inquired about the Modification documents. I was told that they will send out the documents in the mail as they sent one in XXXX which never came. Please note that no deadline was mentioned at that time. XX/XX/XXXX, XXXX I called at XXXX XXXX and spoke to XXXX . I received Modification Documents which requires mine and my husbands signatures. Deadline to mail documents was XX/XX/XXXX. I was shocked and asked them about the deadline as I was receiving the documents after the deadline. I was told not to worry and send the signed and completed forms. I inquired about my husbands signatures as he had filed bankruptcy in XXXX and was discharged of the debts. The agent had no answer and took my number to call me back on this, which never happened. XX/XX/XXXX I called again at XXXX XXXX and spoke to XXXX. I inquired about my husbands situation. I was told about the quit claim deed and was routed to XXXX County Recorder of Deeds. I was given address where I have to mail the loan docs. I inquired about the XX/XX/XXXX deadline with the fact receiving the docs in XXXX, I was told not to worry and send the docs. They promise to send me a shipping label. XX/XX/XXXX I was worried about the payment. I spoke to XXXX at XXXX XXXX and made a payment for XXXX for {$340.00} XX/XX/XXXX - With all this additional stress, my health deteroit. I got weak and was not in a stable condition to go over this painful procedure. I want to ensure that I am in my proper state of mind to sign the documents. As soon as I got better, me and my husband completed the forms. I called Mr. Cooper and left voicemail for XXXX. I waited but no call back from them. Called again and spoke to XXXX who sent me the shipping label via email. I was stressing out and did not want to be late. I make another payment of {$340.00} with her for XX/XX/XXXX. She told me to mail docs by using the XXXX envelope and the label which was emailed. XX/XX/XXXX, XXXX I got the documents notarized and took the documents to XXXX as the return envelope was from XXXX . XXXX refused as the label which Mr. Cooper sent me via email was of XXXX. I got confused as I could not figure out which provider to use XXXX or XXXX. I called Mr. Cooper and spoke to XXXX. I explained him the issue. He spoke to his Manager and apologies as they sent out the wrong envelope and wanted me to mail the documents via XXXX as the label was from XXXX. I also inquired about the deadline of XX/XX/XXXX t which I was told that its fine, just mail the docs. I rushed from XXXX to XXXX as they were about to close in 7 minutes and my commute was of 7 minutes. I rushed and made it to XXXX on time and mailed the documents. XX/XX/XXXX, XXXX-Documents received by Mr. Cooper. Finally! XX/XX/XXXX, XXXX-Spoke to XXXX who told me that I was behind since XXXX XXXX- I have to repeat every single thing to him. He said my Loan Modification is denied as they did not receive the documents on XX/XX/XXXX. I got frustrated as I was constantly in communication with them and kept following whatever I was told. XXXX, however, resubmitted the Loan Modification and wanted me to check in about 23 weeks. I wanted to make a payment for XXXX with him as I do not want to be late, he refused and mentioned that he can not accept any payment at this time and there is nothing he can do about it. XX/XX/XXXX, XXXX-Received letter from Attorney for a court date on XX/XX/XXXX XX/XX/XXXX Called at XXXX XXXX and spoke to XXXX who said that Foreclosure is on hold due to Loan Modification proceedings. Upon inquiry for court date, she put the attorney on a conference line. Attorney confirmed and that the hearing on XX/XX/XXXX at XXXX XXXX is for amendment only. There is no need to make an appearance. XXXX wanted me to call after every 2 weeks to check the status of Modification. XX/XX/XXXX, XXXX-I called at XXXX XXXX and spoke to XXXX who reorder Loan Modification and wanted me to check with her by the end of month. I tried to make a payment for XXXX and XXXX and was refused again with the same message that they cant accept any payments as house is in foreclosure but here is no auction date. XX/XX/XXXX : I called again at XXXX XXXX and spoke to XXXX. I insisted to speak to Manager but she was making excuses and was not willing to bring the Manager on line. I have to go through the entire story with her again. I emphasized to speak to Manager. I then got upset and stated that is your Manager refusing to talk to me and only at that time, Manager came over on phone. At XXXX XXXX, I spoke to Manager XXXX XXXX, ID No XXXX. She stated that foreclosure started back in XX/XX/XXXX to which I was surprised as no one mentioned to me until XXXX of this year. It means that they were fooling me around so that I keep paying and they keep playing with me like a pinkponk ball. She further stated that loan modification was sent numerous times and we failed to submit documents numerous times thats why they keep rejecting the loan modification. I clearly stated to her that it was only one time that loan modification documents were sent out and that too after the deadline and I have send them back in a timely manner to which she had no response. I told her that I am extremely disappointed and looks like all they want is my house due to equity in it. They are fooling me since then. I have been played. I told them I am filing an official complaint with CFPB and also with attorney generals office. She them want me to file a complaint at Consumer Relations at Mr.Cooper and gave me their phone and email. I was told my only option is to reinstate the loan to current. She wanted me to call her on Tuesday XX/XX/XXXX to get the total amount to pay which will be valid only for 24 hours. There is nothing which she can do. Despite my every effort to resolve it, Mr. Cooper is finding ways to take my property as there is lot of equity in it. I was ready and willing to make payments at all times but they refused to take it. They refused to take payment in ec, XXXX, XXXX, XXXX so that they can tell that I am behind. I called numerous time to pay but they refused. When I inquire about the balance, it does not correspond to the balance which I see online. It seems all they want is my property. This is my only home for almost 18 years. I do not want to lose my property and they are trying to take it and snatch it. Please note that I am a sick patient and have recently survived XXXX. My body and my health will not allow me to handle the kind of stress which Mr. Cooper has put me and my family into. I have no other choice except to seek your help with the hope of getting it resolved. I need your help to relieve me of this painful stress and cheaters like Mr. Cooper. Looks like I am their new victim and they are the CONMAN. But I believe in justice. Your help and assistance is deeply appreciated. Please help me. You are my only hope at this time. I cant sleep at nights. My stress level is extremely high due to this. My health keeps deteroiting. Please help me save my home for me and my family. Should you have any question, please feel free to contact us. Yours sincerely, ( Victim of Mr. Cooper )
Company Response: Closed with explanation

Timely Response

2019-03-04

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2019-03-04

Grundy, VA

Trouble during payment process

Mortgage: Reverse mortgage

Company Response: Closed with explanation

Timely Response

2019-03-04

Bowie, MD

Trouble during payment process

Mortgage: VA mortgage

Company Response: Closed with explanation

Timely Response

2019-03-04

Alafaya, FL

Written notification about debt

Debt collection: Mortgage debt

Didn't receive enough information to verify debt
Company Response: Closed with explanation

Timely Response

2019-03-04

Newnan, GA

Trouble during payment process

Mortgage: FHA mortgage

Complaint: Hello, we purchased as home in XXXX. We just sold our home in XXXX. I have been researching the loan payments and how it was processed. There are discrepancies with the fees that were charged and how they posted payments. I contacted nationstar about this in early XXXX they s ed not me a detailed transaction print out for XXXX and I see several times we were charged 2 times for the same transaction. I tried to contact a Texas where they re located and they told me to contact my state. Do you know who I need to speak with and how I can go about this? Thank you, XXXX XXXX XXXX XXXX XXXX
Company Response: Closed with explanation

Timely Response

2019-03-04

Omaha, NE

Closing on a mortgage

Mortgage: FHA mortgage

Company Response: Closed with explanation

Timely Response

2019-03-03

Belle Haven, VA

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: I did a harp in 2010 because my son was in a bad accident and I had to take care of him and fell behind. I did a loan mod which was supposed to catch me up and get me back on track. Instead of my loan amount being XXXX it is now XXXX. I was given assistance from the government and my lender put XXXX dollars on my loan and I now owe XXXX. I have made consistent payments and need someone to look into this for me. I keep asking questions and I dont get any answers. This company was nationstar and was know for predictory lending! I need help to look into this for me please. XXXX XXXX XXXX XXXX XXXX XXXX va XXXX XXXX XXXX
Company Response: Closed with explanation

Timely Response

2019-03-03

Bremen, GA

Unable to get your credit report or credit score

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

Other problem getting your report or credit score
Complaint: Mr Cooper has failed in correcting all 3 credit bureau 's pretaining to my mortgages.they have lied and lied over again since XX/XX/XXXX one month after I had the U.S. bankruptcy court in XXXX XXXX XX/XX/XXXX to re open my bankruptcy case of my reaffirmation that the judge made them sign and file by XX/XX/XXXX Mr.Cooper has only reported to XXXX reporting agency.they lied about reporting payments to XXXX, & XXXX.these reporting agencies and I have been discussing this issue since XX/XX/XXXX is when Mr Cooper was ordered to start reporting my payments and add my mortgage payments back onto the tradeline.Mr.Cooper has cause me a great deal of mental stress and they need to be seriously sued in a court of law.Mr Cooper knows I'm trying to refinance my home in XX/XX/XXXX and they are blocking this from happening with another Lender ... they need to be seriously fined by the CFPB.as soon as possible.they are big Lyers.
Company Response: Closed with explanation

Timely Response

2019-03-03

Anaheim, CA

Struggling to pay mortgage

Mortgage: Other type of mortgage

Company Response: Closed with explanation

Timely Response

2019-03-02

Patterson, MD

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: Mr. Cooper changed my loan number without my consent and charged me {$1000.00} in fees. I asked who they paid, they have not provided me with a name yet. They charge me XXXX a month on my mortgage. As a result I can not make principle only payments. It would take 30 years to pay the amount meaning I could NEVER make principle only payments.
Company Response: Closed with explanation

Timely Response

2019-03-02

Saint Paul, MN

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: I have an existing loan with Mr. Cooper. Approximately 4-6 weeks ago I contacted the company asking for instructions about how to remove the PMI from my monthly payments believing the property equity now qualified to allow that to happen. They gave me the instructions on what I needed and where to fax the information they needed. I did that about a month ago. The information I submitted ( formal BPO ) clearly demonstrated that the property met the minimum equity ratio necessary to ensure the PMI could be removed. I have documentation that the information faxed was received. I have since followed up twice with Mr. Cooper. Each time no one can tell me where the request is in process and why I have not had any response from the company. I believe Mr. Cooper is merely dragging their feet to avoid removing the fee from my mortgage payment as they are required to do by law.
Company Response: Closed with explanation

Timely Response

2019-03-01

Struggling to pay mortgage

Mortgage: FHA mortgage

Company Response: Closed with explanation

Timely Response