Date Received: 2023-12-15
Issue: Struggling to pay mortgage
Subissue: Foreclosure
Consumer Complaint: On XX/XX/XXXX I have a balance of around XXXX and I did make payments untill XX/XX/XXXX and I did send the amount of XXXX through the end of XX/XX/XXXX and that was the amount of balance on my house because my loan XXXX be ended in XX/XX/XXXX. In XXXX I went to XXXX XXXX XXXX XXXX and make arrangements to pay my taxes by on payment plan and Mr Cooper before XX/XX/XXXX pay my taxes of the mortgage and I did contact Mr Cooper letting them know that I did arrangements and they didn't care so they pay amount of my house taxes and then add it to my mortgage loan in XX/XX/XXXX I did ask the pay off of my mortgage and I did receive a.pay off letter and XX/XX/XXXX I did send a payment of XXXX I contact Mr Cooper mortgage company and told them I was having a financial help from.XXXX XXXX XXXX XXXX XXXX I did spoke to different representative and told them about a check that XXXX was sending to pay my mortgage payments at that time I requested a pay off and they send me one of the amount of XXXX and XXXX XXXX send the check to Mr Cooper and I did spoke to a representative a told him to accept the check please and the representative transfer me to a supervisor and the supervisor told me they needed to return the check and they did returned because it was not the account number on the check that was in XX/XX/XXXX then I spoke to my case worker from XXXXXXXX XXXXnd let her know the situation and she told me they will resend the check again with loan number and they did send the check of the amount XXXX but Mr Cooper did not receive it and I was very confused why Mr Cooper did not want to receive it so I was contacted Mr Cooper and then spoke to a representative and told me that the check will need to be do by wire transfer i did contact my case worker let her know, in XX/XX/XXXX Mr Cooper representative told me by phone that my house was on foreclosure and I was so worried and since then I can even sleep ... then I ask the representative for the pay off and she told me by phone it was XXXX and she told me it has to be do by the XX/XX/XXXX. My case worker was not able to send the money on the XXXX of XXXX and I did contact XX/XX/XXXX a representative and told me that in XXXX my amount will be not the same of XXXX and I did try to contact Mr Cooper and the system went down for 9 days in XX/XX/XXXX then I did call and the automatic system took XXXX payments of XXXX dll in XX/XX/XXXX then i have being asking for the pay off and all the representative that i have spoken told me there did not have it and told me that the XXXX payments i make in XXXX is on a savings account that they will not put in in my balance and i and I am very worried they sell my house without letting me know I have so much going on with this representative people and I did found out that Mr Cooper sell my loan to Nationstar on XX/XX/XXXX and they did not notify me ..and now I am dealing with another company name Rushmore servicing and is the same as Mr Cooper i am very confused and very worried because this is very weird..i need help to investigate all of this issues and i do have all the receipts and evidence..another issue my house insurance was going to be renewed on XX/XX/XXXX and Rushmore Servicing already pay it off and another issue I went to make arrangements on a payment plan with XXXX XXXX XXXX tax and Rushmore Servicing pay the amount in full and I did let them know to not pay my taxes and they pay it on XX/XX/XXXX I do feel this bank is has being doing a fraud on my loan account
Company Response:
State: TX
Zip: 78744
Submitted Via: Web
Date Sent: 2023-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-14
Issue: Trouble during payment process
Subissue: Trying to communicate with the company to fix an issue while managing or servicing yo
Consumer Complaint: On XXXX XX/XX/XXXX received escrow analysis show short of {$4500.00}. That the new payment goes into effect on XXXX/XXXX/XXXX. Called talk to them about transfer to collections. Tried over for assistance. Not able to send forms to me. Called ask what increase told property insurance. Property insurance told that is was only XXXX increase. Called back ask to talk Supervisor. Supervisor XXXX told that she can spread out excess over 36 months not 12 months. Put today and see on next statement. Still starting on XX/XX/XXXX. XXXX statement was XXXX XXXX take out XXXX Called twice to get resolved. Was told nothing can do. Last time XXXX supervisor reach out to XXXX was told nothing can be done.
Company Response:
State: WY
Zip: 82001
Submitted Via: Web
Date Sent: 2023-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-14
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Nationstar sent XXXX XXXX and XXXX XXXX to capture XXXX on top of the other checks they knew they were sent by XXXX XXXX and XXXX XXXX XXXX XXXX ( XXXX ) and myself XXXX XXXX XXXX, to the bank to payooff the XXXX loan and sent us applications for reifnance, modificaiton assumption and did not respond and declined the loss mitigation options to us as homeowners since XXXX Aside from keeping the money which would have paid CASH THE loan that was bought by XXXX XXXX XXXX, nationstar decided to create a new loan no cash as " investment FHA loan " wiht the prior XXXX owners XXXX and XXXX. Then after 10 years of discharge of the loan, the attorney included XXXX for his " fees for loss mitigation efforst '' with XXXX XXXX and demands now XXXX from her cash. Not happy with that, confused the courts that are on appeal right now, and used a old masters report in appeal ( the case has not yet been decided by superior court ) nor heard on the district court on the case because XXXX XXXX nor XXXX XXXX XXXX were named as defendants and are not signors on the mortgage fraud. See HUD letter attached XXXXXXXX XXXX interst has not been satisfied as she wants to keep the home she raised me and my grandkids for the last 15 years. We have paid taxes and insurance home insurance because it is vested in the homeowners name not the old borrowers of the nationstar discharged debt of XXXX that they are thrying to collect now. This is my house how did it go from my name to the bank 's name without my signaure, are they keeping XXXX casdh and the eqity of my house and the title that is an economical abuse of an elderly person. Neither my late husband ( military ) or I were served for the debt or oinformed of what we owe. A spreadsheet of the attorney sfees is not enough The bank " bought his loan back for XXXX we not only bid on their auction for XXXX but also sent a letter to XXXX the bank 's envoyee or ambassador for the debt vollection. Now the atttoney wants XXXX cash the embassador of nationstar wants XXXX and the salcedos ' want the payoff of the real estate contract that they agereed with XXXX XXXX, another embassador attorney of nationstar, to collect funds of. the house is only worht XXXX and we have recently paid XXXX to repair the heating system and roof, and electrical and windows per the last letter of mr cooper asking ius to do repairs. and now they want th ehouse too. I have been here with my daughter for 15 years it is mine. The " borrowers '' of your s of XXXX are not going to pay you a dime, you did a loan not including allthe owners and of course us, in XXXX and XXXX XXXX rescinded or denied you have mortgage insurance for tha tloan, hence the attoenys are not paid by title and now they want to charge us? This is a fraudulent loan. and a judgment that is uncollectqable. We offered to pay the difference bettween the rec in a refinance end we even refinanced application with you hnatiohnstar and the loan, the modificaiton assumption offer was never extended in good faith, i understand now that you only wanted to keep on billing u s monthlyk, keep the cash and return only XXXX that is not wwhat we deposited in your bank as. security deposit for th acash purchase. the bank nationstar never NEVER ANSWERED THE OFFERED ASSUMPTION MODIFICATION ON XXXX BECAUSE THEY SAID " THE PROEPRTY IS IN LITIGATION '' BY XXXX XXXX AND XXXX XXXX BUT GLADLY ACCEPTED PAYMENTS IN CASH AND ONLY RETURNED XXXX OF THE XXXX WE PAID IT CASH ALREADY, IF THERE IS A DISCREPANCY OF XXXX THAT THE BANK BID ON " THEIR LOAN OF XXXX THEY ARE COLLECTING FROM US THIRDPARTIES '' THEN THE DIFFERENCE IS ONLY ABOUT XXXX. IF IT IS A SALE TO US T OSELL IT AGAIN FOR THE SECOND TIME FOR MORE THAN THE ORIGINAL LOAN WHICH WAS XXXX OW THEY WANT XXXX WE OFFERED XXXX ALREADY AS THE HIGHER BIDDER WITH 'ACCCESS TO CASH ; ' AS ADVERTISED, HOWEVER, THERE IS OTHER XXXX OF THE XXXX THAT IS OWED TO COURT REGISTRY TO APPLY AGAINST IT, WITH THE XXXX DOWN PAYMENT IN COURT, THEN THE LETTER OF ACCESS TO CASH BY XXXX XXXX IS ATTACHE DHERE AS PRE APROVAL, BUT NO THE BANK NATIONSTAR HAS IN MIND TO MAKE MORE MONEY ON LOUR EQUITY, TO TAKE THE HOUSE XXXX KEEP THE XXXX CPAID ALREADY AND MAKE 350 % OF THEIR INVESTMENT ON MY BACK ON MY WORK AS A XXXX ON THIS COMMUNITY AND ON MY DEAD HSUBANDS ' BLOOD THAT HE PAID FOR ALL OF US TO HAVE RIGHT TO FREEDOM, PRIVATE PROPERTY AND PURSUIT OF HAPPINESS, YOU. DI DNOT EVEN SERVE HIM N XXXX WHEN HE WAS ALIVE. DID NOT DO GOOD ON THE OFFER OF MODIFICAITON ASSUMPTION IN XXXX AND DID NOT DO GOOD ON THE COVID 19 MODIFICAITON MAP PROGRAM AND DID NOT PARTICIPATE ON THE NMFA COVID XXXX ASSISTANCE THAT WOUL DHAVE PAID YOUR XXXX ATTORNEYS AND DEBT COLLECTORS, INSTEAD YOU WANT IT ALL. THE HOUSE THE MONEY AND GAVE US 10 YEARS OF XXXX. THAT IS NOT RIGHT OR ETHICAL.. AND SENDING YOUR ATTORNEYS TO FORECLOSE ON OUR REC AND TAKE OUR HOUSE WITH WHAT AUTHORITY AND KEEPING THE ZOMBIE TITLES AND THE MONEY IS NOT JUST THIS IS OUR HOME WE PAID AND WE ARE ELIGIBLE FOR LOANS AND ELIGIBLE FOR HELP FROM XXXX XXXX BUT THEY TOLD US THE BANK ( SENT XXXX XXXX TO SEIZE ASSETS FROM ESCROW ) IS THE OWNER OF THE XXXX AND DOES NOT WANT TO PARTICIPATE TO HELP MY MOM WHO HAD COVID IN XXXX WITH FEDERAL FUNDS HELP. INSTEAD WNATS A WIN AND TO TRIPLICATE PROFIT. MY FAMILY WILL BE HOMELESS AND WE SHOULD NOT WE HAVE BEEN HERE MOE THAN 10 YEARS IS OUR HOME. I HAVE NOT SIGNED OVER MY HOUSE. I WILL PAY THE REMAINDER OF THE XXXX OR THE AMOUNT YOU SENT A XXXX XXXX O N OUR DOOR FOR WHAT HE WANTS XXXX BUT HE DOES. NOT WANT THE FUNDS FROM A MORRGAGE COMPANY HE WANTS CASH TO SELL IT TO A BUDDY OF TH EFIRM OR TH E BANK AND STIFF ME IN MY SILVER YEARS.
Company Response:
State: NM
Zip: 87120
Submitted Via: Web
Date Sent: 2023-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-14
Issue: Trouble during payment process
Subissue: Trying to communicate with the company to fix an issue while managing or servicing yo
Consumer Complaint: This complaint is for a knowingly false statement made by XXXX XXXX - Customer Relations Specialist for RightPath Servicing. XXXX XXXX falsely represented the insurance coverage, or lack of, as described in the borrower provided master policy proof of insurance. RightPath Servicing has initiated foreclosure based on this false claim. I have provided a side by side comparison of the HOA master policy insurance coverage provided by the borrower and a copy of the HO6 insurance, LPI, purchased by the lender/servicer. As you can see, the HOA master policy exceeds the coverage purchased by the servicer in the form of an HO6 policy.
Company Response:
State: FL
Zip: 33458
Submitted Via: Web
Date Sent: 2023-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-14
Issue: Trouble during payment process
Subissue: Escrow, taxes, or insurance
Consumer Complaint: I keep receiving letters from Mr Cooper regarding my home insurance. They keep saying I don't have insurance and they are going to force me to take one they choose. I can't talk to anyone. I can't get past their " loan verification '' system with my SS or my loan number. Have tried to Chat but just get a message that they can't help me. I have no way to take care of this problem when communication with the company is impossible. I NEED to know if they have record of my home owners insurance. XXXX XXXX
Company Response:
State: CO
Zip: 80033
Submitted Via: Web
Date Sent: 2023-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-14
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue: Negative impact of inaccurate appraisal
Consumer Complaint: To whom it may concern. On XX/XX/XXXX, I received a marketing call from my mortgage company. I was driving home from work, and took the call. The gentleman, I believe his name was XXXX, proceeded to ask me if I was interested in refinancing my home. I quickly responded to him that I refinanced a few years ago, when rates dropped, and cut into a 15 year mortgage from a 30 yr. He immediately responded if I had any home improvement projects I was looking to do and if I ever thought of home equity line of credit. Informed I have over $ XXXX in equity. He captured my interest, and I proceeded to he adamantly informed him, I was not interested in a refi, but would potentially be in home line of credit for some new windows. He placed me on hold and advised he would transfer me to a rep who would wrap it up. I was warm transferred to XXXX XXXX. XXXX XXXX Mortgage Professional | NMLS # XXXX The gentleman proceeded to transfer informing XXXX I was contacted and why I was being transferred. I reiterated I was not interested in a refi AT ALL and only interested in home equity line of credit. XXXX and I continued the discussion, I was clear I was only interested in line or credit, and refi was not an option. I did not need the money, but did need new windows and line of credit to get completed sounded like a great option as it was presented to me. This was made clear to XXXX. I am not interested in a Refi. While I was on my way home, I did let XXXX know I would be going through a bad area and potentially lose service, in which not long after I did. XXXX sent me his contact info, and I informed him to move forward with the line of credit. I make over $ XXXX and my credit score is currently between XXXX depending on bureau. I pride on my credit score and do not apply for items that impact my score lightly since going through a tough time in XXXX and working so hard to build back. With this, I was not concerned with being approved, it was a complete for me. The following day I received a call from XXXX who informed me that he didnt realize my state of NJ, and with your equity you need to take a minimum of I believe he said XXXX, leave another amount, cant take max , and a few other calculations, and as a result, there was not enough out of $ XXXX for the minimum in NJ- this is after my credit was ran. He then proceeded to ask me if I wanted to refinance. Not happy was an understatement. I again told him I was clear and had no interest in refinancing and did not authorize him to run my credit for a refi. As a mortgage company, I believe this diligence should have been completed prior to running my credit, and even before we proceeded down the path, as they should be aware of the rules and regulations. In addition, they contracted me. They have my information, my equity, they should have know what was/ was not available before impacting me as a consumer and impacting my credit score with this unnecessary inquiry. I feel this is a deceptive practice and they were more interested in trying to get me to refinance than listening to my request and feedback. Prior to running my credit, there should have been diligence completed to know what was/ was not available or an option. Not run my credit, then realize, ooooh. Which is how it was.
Company Response:
State: NJ
Zip: 080XX
Submitted Via: Web
Date Sent: 2023-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-14
Issue: Trouble during payment process
Subissue: Payment process
Consumer Complaint: My Loan was transferred from Rushmore Loan Management Services to Rushmore Servicing. Two different Companies. The first issue occurred on XX/XX/XXXX. My account is on autopay and they debited my account twice. Once on XXXX when the payment was due, and then once again on XX/XX/XXXX. I saw the amount come out of my bank account twice and immediately called them. They said it was a payment error and they ended up sending the money back the next day. The second issue is the old company, Rushmore Loan Management Services, incorrectly reported my payment delinquent to the XXXX Credit reporting agency when the loan balance was at {$0.00} AND I have proof of a history of payment to the new servicer. because of this, my credit score dropped XXXX points in one day in the middle of a loan application.
Company Response:
State: UT
Zip: 84065
Submitted Via: Web
Date Sent: 2023-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-13
Issue: Struggling to pay mortgage
Subissue: Trying to communicate with the company to fix an issue related to modification, forbe
Consumer Complaint: I've been receiving notifications from XXXX XXXX regarding the status of my properties, inquiring if they are vacant or abandoned. To clarify, these properties are not abandoned, and I am actively engaged in maintenance efforts. I urgently request XXXX XXXX to cease entering the homes, changing locks, and causing distress to my tenants. Despite previous requests, XXXX XXXX continues to issue notices, adversely affecting our ability to rent the properties and causing problems with existing tenants. It is imperative that these actions cease immediately. I want to emphasize that I am the owner of these properties and have been consistently making mortgage payments. Currently, all properties are undergoing remodeling, renovation, and repairs due to damages sustained during last year 's hurricanes ( 2022 ). These efforts have been funded out of pocket, as assistance from insurance companies and Mr. Cooper has not materialized. For your reference, the property in question is located at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, with the loan number XXXX.
Company Response:
State: FL
Zip: 321XX
Submitted Via: Web
Date Sent: 2023-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-13
Issue: Struggling to pay mortgage
Subissue: An existing modification, forbearance plan, short sale, or other loss mitigation reli
Consumer Complaint: Mr. Cooper Mortgage Company Attn : Customer Service Subject : Urgent Matter Mortgage Payment Adjustment Dear Mr. Cooper Mortgage Company, I am writing to express my deep concern and frustration regarding recent changes to my mortgage agreement that have left me in an extremely challenging financial situation. I have been a customer of Mr. Cooper Mortgage Company for several years, and I have always valued the professionalism and service provided by your organization. Unfortunately, recent adjustments to my mortgage payments have put me in a difficult position that I never anticipated. The initial agreement we entered into for a 3.5 % refinance package, sent at the beginning of this tumultuous period, seemed to be a viable solution to my financial needs. Regrettably, I have observed that the terms of this agreement were not honored, and my mortgage payments have now increased to an unmanageable {$3900.00} per month at a 7.5 % interest rate. As a result of this significant financial burden, I find myself unable to cover essential expenses such as utilities, my car loan, insurance, and even basic necessities like food for myself and my dogs. I am currently on XXXX XXXXXXXX, receiving {$1300.00} a month, and my car loan alone amounts to {$1000.00} monthly. This situation is unsustainable, and I am struggling to comprehend how I am expected to maintain a reasonable standard of living under these circumstances. I understand that economic conditions can change, and adjustments may be necessary. However, the lack of proper guidance and information from your company 's representatives has compounded my difficulties. Given the severity of my financial predicament, I have filed for XXXX XXXX XXXX I am reaching out to you in the hope that we can find a solution to this matter before taking such drastic measures. I request a thorough review of my case, taking into consideration the initial terms of the 3.5 % refinance package that was proposed. I am willing to work collaboratively to find a payment plan that aligns with my financial capabilities and preserves my ability to meet essential living expenses. I appreciate your prompt attention to this matter and look forward to a constructive resolution. Please feel free to contact me at XXXX or XXXX to discuss this further. My lawyer info is as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Email : XXXX XXXX : XXXX XXXX F : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, FL XXXXXXXX XXXX XXXX XXXX XXXX Loan # XXXX
Company Response:
State: FL
Zip: 34787
Submitted Via: Web
Date Sent: 2023-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-13
Issue: Trouble during payment process
Subissue: Escrow, taxes, or insurance
Consumer Complaint: Hi I was hoping that you might have the availability to help me my as I'm sure this has happened to other unsuspecting consumers. The lender in my case is Mr. Cooper ( Nationstar Mortgage LLC, ) who currently has several class action lawsuits against them now. I have attached a copy of a letter recently sent to Mr. Cooper which is self explanatory referencing a property I own. I respectfully hope you find the time to read it and come to a conclusion that what transpired just isn't right. If for no other reason than the 3rd party placed insurance which is explained in the letter. Someone unsuspecting as myself would be paying an exorbitant premium based on a fabricated liability coverage amount, assuming they had no choice. Or argue the position with them as I did and still lose having no recourse to their charges and unwittingly lose my property as well. I have to question then, is it in some way a predatory lending practice that shouldn't be permissible but because they're in charge they just do what they want, the little guy be damned. I thank you very much for your time and any consideration you may have to my plight. Again, Thank You,
Company Response:
State: PA
Zip: 17268
Submitted Via: Web
Date Sent: 2023-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A