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 59
2019-03-01
East Rockaway, NY
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Complaint: Mr. Copper is engaging in dual tracking and not in compliance with Loss Mitigation Procedures. Federal Law Restricts Dual Tracking. I have appealed the denial within the required 30-day time frame. Mr. Copper received the Appeal Letter but has not responded to my appeal letter dated XX/XX/XXXX, Therefore, I have not exhausted the appeal process. I also fully submitted documents again for mortgage assistance. Mr. Copper has not stopped the foreclosure sale scheduled for XX/XX/XXXX. The Consumer Financial Protection Bureau, which was established by the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010, issued mortgage servicing rules that, after being codified into federal law, went into effect as of XX/XX/XXXX. Among other things, the rules restrict dual tracking. The servicer can't start the foreclosure process if a borrower submits a complete loss mitigation application and the application is pending. This means that if you submit all of the required paperwork, the foreclosure can't start until the servicer informs you that you're not eligible for any loss mitigation option ( and any appeal you make has been exhausted ) you reject the workout option that the servicer offers to you, or you accept a workout but fail to comply with the terms of the deal ( like not making payments during a trial modification ). 12 C.F.R. 1024.41 governs a servicer 's response to a loss mitigation application. 12 C.F.R.1024.41 ( c ) ( 3 ) ( I ) ( D ) ( 2 ) provides that where a borrower makes application and a judicial foreclosure has already been commenced, " the servicer can not conduct a foreclosure sale before evaluating the borrower 's complete application. '' Further, 12 C.F.R.1024.41 ( g ) prohibits a servicer from either holding a foreclosure sale or moving for a sale if a borrower makes a loan mitigation application within certain time constraints.
Company Response: Closed with explanation
2019-03-01
Strasburg, VA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Complaint: Mr. Cooper has continually failed to report the correct information to the credit reporting agencies. They acquired my loan last XX/XX/2018. I have dutifully ( despite their errors ) paid all payments on time and in excess. They have failed to report a correct balance, the monthly payments and are now claiming on the attached XXXX report that the loan has been sold. I have not been notified of this as per RESPA.
They also claim it was opened in XX/XX/2018, also a lie.
So to be clear the following items are falsely reported to the credit agencies : Date Loan was opened with them.
Current Balance Date of last payments Date of last activity Monthly payment amount Loan transfer/sale
Company Response: Closed with explanation
2019-03-01
Alta, CA
Trouble during payment process
Mortgage: FHA mortgage
Complaint: I purchased my house XX/XX/XXXX. I went in telling the sales rep that I was retiring soon and that I needed to get a house would be comfortable for my wife and I both physically and financially.
The total price was {$450000.00} with payment at {$2800.00} per month which increased with no notice to {$2800.00} per month after 5 months. The payments were a little higher than I liked but I could handle the payment and I was told that I could refinance in 6 months and that the PMI could be taken off and I could possibly get my interest rate lowered, which I found was not totally correct. Because 6 months later I tried to refinance and was not able to. What I needed was to have a 30 or 40 percent difference in loan to home value and during that they told me that the first Mortgage company ( XXXX XXXX ) had not calculated my Property tax correctly. That was after I tried refinancing with 3 or 4 mortgage companies. That is when I found out that I needed the percentage difference and found out that XXXX XXXX had not calculated the property tax right. The company I trusted said that I should actually be paying more than {$3100.00} a month if the mortgage company ( Mr Cooper/ Nation Star ) had calculated my tax correctly. Now that I am retired I cant afford over {$3200.00} plus the other bills and utilities.
I called my XXXX rep and explained everything to him and he explained to me that I needed to file a Qualified Written Request to my current mortgage company ( Mr Cooper/ Nation Star ).
That brings me to the next problem. I sent the Qualified Written Request to Mr Cooper by fax, email, and mailed the same letter to two different Mr Cooper address with signed return receipt, Which I received. I sent all the forms of the QWR around the XXXX or XXXX of XXXX and I received the return receipts which were signed by the Mr Cooper Rep, XXXX XXXX on XX/XX/XXXX.
My Lawyer said they had 20 days after they signed for the letters to reply back. As of today it has been 51 days and I have not received any notification from Mr Cooper/ Nation Star.
I have all my docs that shows dates and where they went if you need to see them.
My XXXX said that I should contact you and then you would be checking on this problem and let me know what I might need to do. I dont want to lose the only house my wife and I have ever had because of too many military change of station and low income we could never qualify and now if something is not done to correct my escrow it will continue to go more negative. The current escrow is negative {$2600.00} and that is after paying me paying {$720.00} to try and balance the escrow account but I cant keep paying that because I dont have the extra money to keep it balanced. We dont want to lose our house.
Please help me or let me
Company Response: Closed with explanation
2019-03-01
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2019-03-01
Charleston, SC
Trouble during payment process
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2019-03-01
Trouble during payment process
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2019-03-01
Woodland Hills, CA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Company Response: Closed with explanation
2019-03-01
MD
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2019-03-01
Tracy, CA
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2019-02-28
South Florida, FL
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: In XX/XX/2107 Mr. Cooper conducted an escrow analysis and stated that I had a surplus of about {$3500.00} and would not dispense the surplus because the account was under a disaster forebearence. Six months later, the conducted another analysis and claimed that I was short and sent a check in the amount of {$2300.00}. They applied the check to the principal instead of the escrow. I have called mutiple times to resolved the issues and they have not resolved. They are now saying they will reverse the {$2300.00} to the escrow account. However, they escrow surplus was applied, yet they are not desmonstrate where the {$3500.00} was applied, either to the principal or the escrow account.
Company Response: Closed with explanation
2019-02-28
Rochester, OH
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: Re : XXXX MIN XXXX XXXX certified copy of this request SETERUS has been sent via USPS certified mail.
I hereafter " CLAIMANT '' is a victim of predatory lending practices serviced by SETERUS, Inc. or " LENDER '' The CLAIMANT is in acceptance of the amount owed to LENDER for loan number XXXX MIN : XXXX/SETERUS, Inc if the LENDER can provide the following listed exculpatory evidence and explanation of the following documentation associated with this debt signed and dated and or notarized on and/or after XX/XX/XXXX that gives SETERUS, Inc. the right to collect a debt from the CLAIMANT ( 45years ) until XX/XX/XXXX.
In Summary : the CLAIMANT entered into contract of lending prepared by XXXX XXXX, XXXX , XXXX., XXXX XXXX XXXX XXXX XXXX, # XXXX, XXXX XXXX XXXX, UTAH XXXX on XX/XX/XXXX for {$89000.00} ( rounded ) to purchase a home for {$110.00}, XXXX ( appraised at XXXX ) with a conventional, XXXX XXXX backed home at 5.75 % for a 30 year mortgage and Witnessed by XXXX XXXX XXXX XXXX # XXXX. The CLAIMANT paid XXXX cash towards the purchase of the home and applicable costs in cash at closing. According to the Truth in Lending Statement provided for this loan the cost of this home with interest was to be {$180000.00} over the life of the loan. The CLAIMANT was 34 at the inception of XXXX loan XXXX. Under the current terms collected/serviced by SETERUS, Inc. the CLAIMANT will be 72 years old when this loan is paid off.
The CLAIMANT is expected to pay {$250000.00} in Principal and Interest for a home that had an estimated value of {$54000.00} in XX/XX/XXXX when the modification by the LENDER was completed. Under these terms the CLAIMANT is also paying insurance premiums for the value of the home at {>= $1,000,000} Since XXXX. Under the loan agreement the CLAIMANT will have paid an approx. {$95000.00} to insure the home.
History : In XXXX the CLAIMANT began the process of loan modification with XXXX , XXXX. the Loan # XXXX that was the servicer of this loan from XX/XX/XXXX to XX/XX/XXXX. My loan was transferred during the modification to SETERUS, Inc. on XX/XX/XXXX. Note : The reason for loan modification had been due to a gross underestimation in taxes and insurance through escrow that had fluctuated my original payment of {$660.00} to as high as {$950.00} to leveling off at {$700.00} in XXXX, which I paid until XX/XX/XXXX when the CLAIMANT received a loan modification through SETERUS , Inc .
Since XXXX initial investment to the property of {$26000.00} the CLAIMANT has made a minimum of {$50.00} thousand dollars in improvements to the home in out of pocket expenses including and not limited to, air conditioning system, doors windows, electrical, plumbing, roof, exterior stucco and landscaping. The CLAIMANT has {$65000.00} invested in the home including taking responsibility of the all repairs made from damage incurred from Hurricane IRMA.
Listed in this formal complaint are simple requests of documentation from the LENDER SETERUS, Inc. from the CLAIMANT borrower. The CLAIMANT requests CBFS in connection and/or on the Attorney General of the United States to rectify and release the burdens of loan including all fees collected for payment, attorney fees, and property inspections associated in tremble. The following are request for information regarding this loan to the LENDER. Please note that the CLAIMANT has exculpatory evidence and/or reference for all requests list below : 1. Provide a payoff amount for loan number XXXX as issued by SETERUS , Inc . Incorporated dated XX/XX/XXXX.
2. As I have not received a payment coupon for XXXX XXXX payment from SETERUS, Inc the CLAIMANT shall use the XX/XX/XXXX statement of transfer to acknowledge the 30 day period to dispute payment.
3. Provide accounting of all fees collected under loan number XXXX including but not limited to $ 10 monthly fees paid by phone as issued by SETERUS, Inc, Inc. and including reference to of the rights to collect these fees under a signed and notarized contract between The CLAIMANT and the LENDER from XX/XX/XXXX to XX/XX/XXXX.
4. Provide an explanation of letter from the LENDER ask quoted below and dated XX/XX/XXXX to : NOTICE OF DEBT XXXXXXX ( claimant ) XXXX XXXX XXXX, XXXX The total amount owing on your transfer date of XX/XX/XXXX to SETERUS, Inc was {$0.00}. The current amount owing is itemized below. * ( total stated {$79000.00} ) 5. Please provide exculpatory evidence and reference to the contract of mortgage that the CLAIMANT is in fact the borrower and responsible to pay for the following charges as itemized by SETERUS , Inc, Inc. on the above referenced letter. Itemization of Current Amount Owing in boxed columns and lines as described below in reference to above described letter ( 3. ) of this document disregarding Line One as Title Line. * Column 3 Added Charges From SETERUS, Inc 1. Interest Charges in the amount of {$860.00}.
2. Late Charges in the amount {$35.00} 3. Legal/Attorney Fees {$2.00} 4. Property Inspection Costs {$15.00} 5. Total Amount Owing {$79000.00} 6. Please provide the time, date, and full name/company for each inspection performed of the property associated with this loan, their findings, photographs and State of Florida license number for each individual that performed the inspection of home.
7. Please provide the time, date, and full name/company that provide inspection, their findings and State of Florida license number for each individual performing the inspection of home after Hurricane IRMA and charged to the CLAIMANT by SETERUS , Inc. and the findings of these reports and all or any photographs taken during property inspection.
8. Please provide the names of all Board Members and Principles and addresses of all officers of SETERUS , Inc .
9. Provide the name and license number and notarized signature affidavit of the individual that signed a contract for mortgage modification in the State of Florida on XX/XX/XXXX.
10. Provide exculpatory evidence of the LENDERS signed in ink original documents and all of the following documents listed 1-8, including but not limited to, all RESPEC required documents/federal for a mortgage loan loan provided to the CLAIMANT in Good Faith of this Loan agreement by SETERUS , Inc, Inc. Signed/acknowledged by the CLAIMANT.
1. Federal Truth in Lending Statement.
2. Amortization Schedule with final payment.
3. General Warranty Deed.
4. Initial Escrow Disclosure Statement.
5. Florida Lender Disclosure Form.
6. Servicing Disclosure Statement.
7. Notarized Affidavit of Signature 8. All required HUD forms 11. Provide a copy of all additional XXXX XXXX forms associated with this loan as a XXXX XXXX backed mortgage from XX/XX/XXXX to XX/XX/XXXX. Signed/acknowledged by the CLAIMANT.
12. Provide the credentials/title and State of Florida license of all authorized signer 's of the modification agreements and the documents used to determine modification of this loan in the year of XXXX.
13. Provide a Truth in Lending Statement for Loan Modification Agreement dated XX/XX/XXXX and first payment notification of this loan. Signed/acknowledged by the CLAIMANT.
14. Provide the Amortization schedule for Loan Modification Agreement by the LENDER from its inception on XX/XX/XXXX thru to final payment in XXXX.
15. Provide a Notarized Affidavit of Signature from the CLAIMANT for the Loan Modification Agreement dated XX/XX/XXXX.
16. Please Florida Lender Disclosure Form Loan Modification Agreement dated XX/XX/XXXX. Signed/acknowledged by the CLAIMANT.
17. Explain the reason for calling my phone harassment when mortgage was current and the CLAIMANT has repeatedly specified that I to be contacted by USPS/mail only.
1. XX/XX/XXXX ( Mon ) XXXX XXXX 2. XX/XX/XXXX ( Mon ) XXXX XXXX 3. XX/XX/XXXX ( Sat ) XXXX XXXX 4. XX/XX/XXXX ( Thur ) XXXX XXXX 5. XX/XX/XXXX ( Tues ) XXXX XXXX 18. Explain why there is a past due amount charges on my bill that miraculously matches the payment of this loan and describe in detail what each of these charges are pertaining to. Note : I have contacted SETERUS, Inc several times to ask if my mortgage was current and told that they were miscellaneous fees to be explained by written request only.
19. Provide an itemized list of these charges along with the times, dates and license numbers all Attorney fees and property inspection fees.
20. Please provide a detailed explanation of the past due charges on XX/XX/XXXX billing statement that miraculously matches the payment of this loan precisely and describe in detail what each of these charges are pertaining to. Note : I have contacted SETERUS, Inc. several times to ask if the mortgage was current and told that they were miscellaneous fees to be explained by written request only.
21. Please Provide the first Billing Statement with Payment Coupon provide by the LENDER for this loan.
22. Acknowledge that a payment was scheduled for the XX/XX/XXXX installment to SETERUS, Inc. via phone on XX/XX/XXXX.
23. Please provide the names of all individuals/officers of the company of SETERUS , Inc , Inc. that entered into an agreement for loan modification with the CLAIMANT.
24. Provide the last Billing Statement with Payment Coupon sent by SETERUS , Inc .
25. Acknowledge that a payment was scheduled for the XX/XX/XXXX installment to SETERUS, Inc. via phone on XX/XX/XXXX.
Company Response: Closed with explanation
2019-02-28
Rochester, WA
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: Mortgage company returned a {$100000.00} payment on a loan.
The loan is NOT in default.
No reason was provided for why the payment was returned.
Company Response: Closed with explanation
2019-02-28
Wonder Lake, IL
Trouble during payment process
Mortgage: Other type of mortgage
Complaint: Attempted to contact servicer to understand status of the account. A customer service rep indicated the mortgage was reaffirmed after CH XXXX Bankruptcy in 2010 discharged. Advised this was incorrect and that charging late fees on the account is an attempt to collect a dept, specifically prohibited by U.S.Bankruptcy law. Servicer refuses to remove fees.
Company Response: Closed with explanation
2019-02-28
Wrentham, MA
Trouble during payment process
Mortgage: FHA mortgage
Complaint: Loan servicer since XX/XX/XXXX.
Escrow analysis of XXXX of XXXX showed a shortage, which would increased mortgage payment by {$600.00} a month.
Inquired within the company on XX/XX/XXXX, who offered to extend the shortage payoff over additional time which brought payment increase to $ XXXX month.
I paid the total amount due at that time, and the amount due was not the adjusted amount.
After submitting payment, the amount due was adjusted, I was not notified, and due to the adjusted amount, there was a {$400.00} difference.
In XXXX, as I went to make monthly payment, the account was marked Past Due. I called again to the company, they apologized for confusion, noted my XXXX payment, and the amount due did in fact adjust after my payment. The difference amount due of {$400.00} was paid at that time and account was brought to current status. This was reported to the credit union as a delinquent account.
My complaint is first, how does an escrow analysis show such a deficit where ones mortgage payment is increased by greater that {$600.00} a month!
Secondly, reported delinquency to the credit union due to past due amount, although the total amount due changed after the payment was made. ( Total due on XX/XX/XXXX. After the total due was paid in full on that day online, a later day the amount increased to by {$400.00} without notice to myself with email or call to I form amount changed and should be pain in full by XX/XX/XXXX.
I find myself extremely fustration and lacking any control. Will my mortgage increase yet again? Are they making correct analysis? They have been informed all along of the town taxes and insuramce rates. How does this happen? I am fearful, as a single mother of XXXX XXXX children, how can a mortgage amount changed so drastically?
Then the internal confusions of working with the company which results in credit reporting.
Company Response: Closed with explanation
2019-02-28
Chicago, IL
Credit monitoring or identity theft protection services
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Billing dispute for services
Complaint: on XX/XX/, 2019 I called my mortgage company to let them know that my payment was in the mail and for some reason due to the government shutdown my payment had not been processed. I spoke to XXXX XXXX, he said he would make a note and make sure that no adverse information would be appear on my account. he said he would waive all late charges and to check back within two or three days to see if the payment had been processed. well it turns out that one of the checks was lost in the mail. then XXXX came by and I made the XXXX payment on the XX/XX/XXXX. but my account still showed as being XXXX late payment. I called back to let them know that the payment was somewhere but they couldn't track it either. they knew the reason why this check got lost and yet they posted on my credit report that I was 30 days late on my mortgage. this is not right. just ruined my credit report like that.
Company Response: Closed with explanation
2019-02-28
Burleigh, NJ
Applying for a mortgage or refinancing an existing mortgage
Mortgage: Reverse mortgage
Company Response: Closed with explanation
2019-02-27
GA
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: We have received NOTHING by mail but XXXX has apparently transferred our mtg without proper notification. I already scheduled my payment for XX/XX/XXXX online through the XXXX XXXX page it is their only option to pay online as I have since they started handling the loan. Top of page had red letter heading about IF YOUR LOAN WAS TRANSFERRED ... So when done I went to my email acct and logged in today XX/XX/XXXX and In an Email dated XX/XX/XXXX XXXX XXXX so at earliest if I checked emails everyday I would have recvd it XX/XX/XXXX I find a notice from XXXX saying they are transferring our loan as of XX/XX/XXXX. WTH?
That is a 1 week notice for something as BIG as Changing where we send our Mtg payments? And NOTHING IN WRITING IN THE MAIL? And I am supposed to send my payments to Mr. Cooper DBA as Nationstar Mtg? This does not even sound real OR Legit, Mr. Cooper DBA?
This is the email I received.
XXXX To : XXXX XX/XX/XXXX at XXXX XXXX XXXX XXXX XXXX is the servicer for the loan ending in XXXX.
You should have received a Transfer of Servicing Notice from us indicating that, effective XX/XX/XXXX ( " Transfer Date '' ), the servicing of your mortgage loan will transfer to Nationstar Mortgage LLC d/b/a Mr. Cooper ( " Mr. Cooper '' ).
This means that Mr. Cooper will start accepting payments on XX/XX/XXXX at Nationstar Mortgage LLC d/b/a Mr. Cooper, Payment Processing, XXXX XXXX XXXX, XXXX, TX XXXX. If you have scheduled any payments for after the Transfer Date through XXXX XXXX XXXX, those payments will be cancelled and you will need to contact Mr. Cooper to reschedule them. If you use online bill pay through you financial institution, you will need to change the payment information to Mr. Cooper.
Nothing about the terms of your mortgage loan will change. You should receive a letter after the Transfer Date from Mr. Cooper with your new loan number, additional information and instructions for setting up a new online secure account at www.mrcooper.com. In the meantime, you can find additional information on our website here.
If you have not made your XX/XX/XXXX payment, you can still make your payment quickly and easily online until XX/XX/XXXX. Remember, all payments made on or after XX/XX/XXXX should be made to Mr. Cooper.
Sincerely, Seterus , Inc .
They say after XXXX won't even be able to access documents, but only documents available are tax XXXX no other files for transfer from B of A or anything have anything in them now ...
XXXX provides no number for live contact via phone or email ONLY an address for sending LETTER.
We have not been provided any phone numbers to call the new company either.
Is the GOAL to stress and worry homeowners? I mean seriously I am supposed to pay My Mortgage to www.mrcooper.com?
Company Response: Closed with explanation
2019-02-27
Grey Forest, TX
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
2019-02-27
Antelope, CA
Trouble during payment process
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2019-02-27
PA
Trouble during payment process
Mortgage: VA mortgage
Complaint: I was notified by XXXX XXXX that I would be doing business with Mr. Cooper/Nationstar mortgage I paid XXXX for XXXX and XXXX mortgage. Then a email XX/XX/2019 that Mr cooper took XXXX and applied it to insurance without my permission. I notified them to tell them i sent check for insurance myself and they needed to get my Permission to apply money to insurance when im paying it myself. I dont like there tactics they waited until three days before due date to send me the information which i think is very sneaky
Company Response: Closed with explanation
2019-02-27
Smyrna, GA
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2019-02-27
Houston, TX
Trouble during payment process
Mortgage: VA mortgage
Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers Closed with non-monetary relief
2019-02-27
Bradenton, FL
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: MEMO TO : Seterus, Inc. via its legal counsel ; Nationstar Mortgage d/b/a Mr. Cooper FROM : XXXX XXXX XXXX, XXXX.
RE : NOTICE OF SERVICING TRANSFER dated XX/XX/XXXX of LOAN NUMBER XXXX ( copy of Notice attached to this email ) DATE : XX/XX/XXXX PLEASE TAKE NOTICE that a disagreement exists between me and Seterus regarding the unauthorized charge of {$280.00} that appeared on my XX/XX/XXXX statement. Despite efforts to have removed, Seterus ignored my request and has engaged in its longstanding practice of late fees, etc. during the pendancy of the disagreement.
As a quick summary of this disagreement, I have copied and pasted the XX/XX/XXXX, email between me and Seterus ' attorneys : From : XXXX XXXX [ XXXX : XXXX ] Sent : Wednesday, XX/XX/XXXX XXXX XXXX To : XXXX XXXX <XXXX> Cc : XXXX XXXX <XXXX> ; XXXX XXXX <XXXX> ; XXXX XXXX <XXXX> ; XXXX XXXX <XXXX> ; XXXX XXXX <XXXX> Subject : Re : XXXX XXXX , XXXX XXXX, Pursuant to the terms of the Mediation Settlement Agreement, incorporated into the fully executed Modification Agreement ( with the unilateral cramdown of an additional .XXXX % interest rate ), the new principal balance agreed upon and incorporated into the modified loan paperwork included ALL charges of every nature.
After timely making my initial payments, the statement from Seterus dated XX/XX/XXXX included an additional {$280.00} that the Seterus rep I just spoke with identified as " legal expenses ''. This is unacceptable as contrary to the terms of the Mediation Settlement Agreement and the terms of the Modification Agreement. I also find the amount suspicious of passing on the cost of the last mediation conference that Seterus was obligated to cover in full.
Please reply to me explaining your position and let your client know that I am requesting a detailed statement explaining the source of the {$280.00} and a waiver of same pursuant to the settlement of the wrongfully filed foreclosure action.
Best regards, XXXX XXXX XXXX XXXX, XXXX, XXXX Florida XXXX # XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX ***end of XX/XX/XXXX email*** This disagreement continues and this email serves as formal NOTICE to the new servicer, Mr. Cooper, and my demand that before accepting the balance as accurate on the above-referenced loan, that an accounting be required, that the {$280.00} charge be removed, along with all late fees, etc., and that the account be reset as current, and the payments will resume based on the corrected balance.
Please acknowledged receipt of this email and your response to my demand by XXXX XXXX XXXX tomorrow, XX/XX/XXXX.
XXXX XXXX XXXX, XXXX, XXXX, XXXX Florida XXXX # XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX
Company Response: Closed with explanation
2019-02-26
Belle Haven, VA
Trouble during payment process
Mortgage: Reverse mortgage
Complaint: In XX/XX/2018 I received a check from our insurance company, XXXX, in the amount of XXXX to put a new roof on our house. Because we have a reverse mortgage the check was made out to my husband and me and to XXXX XXXX, I had to send mortgage company the check to be signed by them and sent back to us for a roof. We never received the check back. They deposited it without my husband and I signing it. About the middle of XXXX I started calling the loss draft department once or twice a week and each time was given a different excuse. They even went so far as to tell me to have my insurance company stop payment on the check and reissue me another one. My insurance company said they could not do this because mortgage company had already deposited it. We still have not received the money back and have already had new roof and the company is still waiting to be paid.
Company Response: Closed with explanation
2019-02-26
Aventura, FL
Trouble during payment process
Mortgage: Conventional home mortgage
Company Response: Closed with explanation