Date Received: 2024-01-17
Issue: Trouble during payment process
Subissue: Escrow, taxes, or insurance
Consumer Complaint: Mr. Cooper bought my loan XXXX years ago. Ever since then, I have tried to get my condominium home insurance escrowed into my loan, my insurance company would send them all of the documents necessary to get my insurance escrowed in but Mr.Cooper refused to escrow my insurance policy in and not pay my insurance company causing them to terminate my policy. I have called both my insurance company and Mr. Cooper both last year and this year to fix the problem, but it hasnt gotten fixed. It has been XXXX years in a row that this has happened and now Mr.Cooper is threatening to charge me with fees and other charges for this issue. I dont know what to do anymore, I cant get a hold of any of the folks that I talked to from Mr. Cooper that said that they would help me fix this recurring problem and assured me that it wouldnt happen again, but its happening again and I don't know who to call. Please help me. I am a single mother just trying to make it through, day by day, and I cant find a solution for this problem. I cant afford to pay for a whole years worth of insurance in one payment.
Company Response:
State: MN
Zip: 55417
Submitted Via: Web
Date Sent: 2024-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-12
Issue: Closing on a mortgage
Subissue: Trying to communicate with the company to fix an issue with the loan closing
Consumer Complaint: I started XXXX VA Loan assumption in XXXX for a property that was under a VA loan in Maryland. The lender, MrCooper ( Nation Morning Star LLC dba ), began the process in early XX/XX/XXXX after both the seller and buyer completed all required VA loan assumption documents per the Department of Veterans Affairs. MrCooper advertised on calls and email that the process could take " XXXX months ''. Over the next 6 months, MrCooper frequently did not communicate with either the seller, buyer, real-estate agents or title company. Average time to respond to the buyer was 14 days. A detailed breakdown of phone call and email communications between MrCooper and the buyer is available. At 6 months, both the seller and buyer contacted the escalations department of MrCooper for an update. Within XXXX hours we were contacted that the application was complete and set a closing date of XX/XX/XXXX. Seller signed and notarized documents from a separate state, buyer closed in Maryland. On XX/XX/XXXX the buyer logged in the MrCooper portal and noticed no change to account, the property that was closed on XX/XX/XXXX did not show up. Phone calls to MrCooer showed that the seller was still the owner of the account. A call to the escalations department on XX/XX/XXXX revealed that the closing never occured according to MrCooper, despite funds being transfered, deed signed, and a MrCooper VP signing the VA XXXX XXXX XXXX XXXX of XX/XX/XXXX. As of XX/XX/XXXX, MrCooper still will only state " they are looking into it '' with no further detail. Additionally, they will only call and contract the seller, as the buyer isn't shown as authorized on the account. Repeated attempts at resolution or information have been made by the seller, the buyer and the title company for resolution, with limited to no useful response by MrCooper. The buyer as initiated contact with a law firm to investigate potential claims to be made against MrCooper.
Company Response:
State: MD
Zip: 20653
Submitted Via: Web
Date Sent: 2024-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-16
Issue: Struggling to pay mortgage
Subissue: Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-li
Consumer Complaint: I contacted Mr. Cooper on XX/XX/XXXX for a modification package. I contacted my single point of contact using information from a QWR letter mailed to the servicer in XX/XX/XXXX. The single point of contact number in the letter was incorrect. I was not routed to my single point of contact. Instead i was given an automated message to call a different number. I waited on hold for about 10 minutes. The representative picked up the call and asked me to verify the information on the loan. I requested a modification package from the representative. The representative talked for several minutes and said i needed to have my attorney contact the servicer. I do not have an attorney and i only am asking for a modification package to be sent to my mailing address. I then asked again to be sent a modification package. I was not told where to find a modification package or how to get a modification package. I was only told that my attorney needs to contact Mr. Cooper. I am representing myself Pro-Se and have not retained an attorney for this matter. So, I again requested a modification package. The representative told me on several occasions that she would not send me a package. I spoke to the representative until XXXX XXXX EST and was not provided any information on the modification package or how to obtain a modification.
Company Response: Company believes the complaint provided an opportunity to answer consumer's questions
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-16
Issue: Struggling to pay mortgage
Subissue: Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-li
Consumer Complaint: I applied for a loan modification as I was having trouble bringing my loan current. I refinanced my mortgage in XX/XX/XXXX as I divorced and had to remove my ex-husband from the mortgage. I kept my loan at 15 years but payments increased from XXXX to XXXX. Also, took out cash to cover shared debt now in my name. Fast forward to XX/XX/XXXX, I had to pay XXXX for a new AC unit, {$5000.00} I was able to borrow from my parents & XXXX I paid out of pocket. I called Mr. Cooper in XX/XX/XXXX to say for this reason I could not make my last increased forbearance payment. I called back in XXXX asking to be reviewed for a modification. I submitted all documentation requested as referenced in the letter I received from Mr Cooper on XX/XX/XXXX. I then received a letter on XX/XX/XXXX saying that the mod was declined bc I didnt submit paperwork as requested, which contradicts letter from XX/XX/XXXX. I was told on XX/XX/XXXX by a Mr Cooper rep that my paperwork was received on time but never reviewed hence why I received the later. She then advised a case would be open for escalation and review. I called today to check the status, I was advised that I would have to submit an appeal. An appeal for something that wasnt my error and time clock to restart. This doesnt seem fair. She then advised they have until XX/XX/XXXX to review the case details. I really need assistance with my payments currently due. I also spoke with the refinance dept on XX/XX/XXXX about extending out the terms of my loan to possibly a 20 year mortgage or more. I was turned down by the refinance dept but told to inform the mod dept that I exhausted this option with them and to possibly consider this option.
Company Response:
State: TX
Zip: 75051
Submitted Via: Web
Date Sent: 2024-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-15
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: This follows from complaint XXXX where Mr Cooper incorrectly XXXX to charge us for the same mortgage twice. We had paid off the mortgage through XXXX and somehow Mr Cooper transferred the mortgage loan without the payoff. This was corrected only after we filed complaint XXXX. Now, we see on our credit report that Mr Cooper lists that the mortgage ( again paid off ) has an outstanding balance. Today we also received a false XXXX statement showing a balance. We filed our last complaint in XX/XX/2023. This should have been corrected then. Now we are receiving false tax forms and false information on our credit report.
Company Response:
State: CT
Zip: 062XX
Submitted Via: Web
Date Sent: 2024-01-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-13
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue: Delays in the application process
Consumer Complaint: I applied for a mortgage assumption in XXXX of 2022 and the assumption process has still not been completed. In the pasts month I emailed all the individuals that I received contact information for with Mr. Cooper as no-one would ever follow-up with me. Here is an excerpt : " I am emailing all of you at once because this is now my XXXX email I have sent to Mr. Cooper associates in the past year. No one has ever responded via email even though I have been told multiple times that this is the means of communication and that the policy is that I will be receiving emails and/or phone call responses within 48 hours of correspondence as my account has been " escalated ''. I've also provided my availability each time I've made a request, and in the XXXX other emails and about XXXX calls I've made since XXXX, I have not received a response during my availability. There are absolutely XXXX acceptable reasons as to why Mr. Cooper has failed to service this account per contract agreement terms. Mr. Cooper 's failures have cost me over a year 's worth of mortgage payments ( not to mention utilities, gas, job opportunities, etc ) due to this not being resolved. This process has been an absolute nightmare and Mr. Cooper 's ( lack and flippant ) actions have been horrendous. '' In the past week I have requested information about the underwriting process twice to the same individuals and have not received any responses. I have also made multiple attempts to get basic questions answered and no-one has provided any responses to these questions. I am now on month XXXX since I initially began this process and still can not get Mr. Cooper to provide me with basic information and/or responses to my questions. They have also canceled my application 3 times without notifying me and have pulled my credit twice during this process, giving away my private information to companies not related to my assumption request.
Company Response:
State: IN
Zip: 467XX
Submitted Via: Web
Date Sent: 2024-01-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-12
Issue: Trouble during payment process
Subissue: Paying off the loan
Consumer Complaint: Under the truth and lending act and fair debt protection act. I have requested that you provide and disclose what was loaned, who is the creditor, who is the borrower who provided the credit/funding of the " money '' loaned. Provide the original issue discount 1099-OID. Provide the 1099-A and 1099-B that shows who the lender is and who the borrower. For XXXX XXXX XXXX XXXX NATIONSTAR MAORTGAGE LLC dba MR. COOPER ( Servicer ). Under the Fair Debt Collection Practices Act. Anti-Money laundering Act. PUBLIC NOTICE : This is a notice to the alleged creditor to show cause and proof of claim of alleged loan to borrower/consumer/tax payer. You shall provide me the documents showing all deposits recites and withdrawals of all funds of the Borrower/consumer/tax payer account. You have 15 days to provide the proof of claim that you are the creditor and that you loaned lawful money of consideration and not legal Tender money of account. If you do not provide or response to every point on this notice then you accept and acknowledge all points are in fact true and no loan or consideration was ever given to the borrower/consumer/tax payer. As the notice is a notice given to you in good faith and as my witness to the facts are the Consumer Financial Protection Bureau Agents and the people by this Public notice and complaint to you of your Fiduciary/Trustee duties or be in breach of contract. As this notice is proof and shall be entered into a court of law as an affidavit of truth under penalty of perjury 28 USC 1746 from the borrower/consumer/tax payer. XXXX XXXX acting as Indentured Trustee over the deed of trust created by the borrower/Beneficiary shall under penalty of perjury show cause and proof of consideration lawful money that was loaned to the borrower/beneficiary. Show proof of claim of the promissory note was not deposited into XXXX XXXX XXXXXXXX XXXX account and exchanged for federal reserve Notes in accordance with Federal Reserve Act Section 16 Para 1-4, 12 USC 412 , and Public Policy 73-10. I have autographed 4 promissory notes. XXXX XXXX XXXX XXXX XXXX XXXX and three to NATIONSTAR MORTGAGE LLC DBA MR. COOPER. Which all were accepted and not returned. Which can be traded or sold for federal Reserve Notes. The first promissory note that I issued to XXXX XXXX XXXX XXXX The Promissory Note was endorsed : Pay to the Order Of : XXXX XXXX XXXXXXXX XXXX The note was changed from a note to a Draft/Check and deposited into an account at XXXX XXXX XXXX XXXX XXXX Question : 1. Was this note deposited as a general deposit or a special deposit? The first promissory note was issued to XXXX XXXX XXXXXXXX XXXX as collateral for a loan of Money Consideration for funding of a loan for a home. Question : 2. Was this Promissory Note issued for a specific purpose, for a home loan? The Promissory Note means an instrument that evidences a promise to pay a monetary obligation, does not evidence an " order to pay '', and " does '' not contain an acknowledgment by a bank that the bank has received for deposit a sum of money or funds. Question : 3. Did XXXX XXXX XXXX XXXX stamp the Promissory Note that was issued for collateral and funding of the home loan with an allonge Pay to the Order Of : XXXX XXXX XXXX XXXX The Promissory Note when received as the security as defined by law. The BORROWER was the original issuer of that security, XXXX XXXX XXXX XXXX then took the security and gave it to the Federal Reserve XXXX XXXX XXXX, under the doctrine of capacities, they are the original issuer they gave to the Federal Reserve Board of Governors which is a separate and distinct security than the one I issued to XXXX XXXX XXXX XXXX. We now have 3 Separate securities, one held by my person, one held by XXXX XXXX XXXX XXXX one held by the Federal Reserve Board of Governors. Question : 4 : Do I or the BORROWER have the right to call on the security and does the Federal Reserve Board of Governors have to recognize my right to do a call on the Security? Is this Right to do a call on the security a right to redeem the security before it matures? The Federal Reserve act section 16 paragraph 4 clearly states that promissory notes accompanied with the packet application for US borrowers, as identified by Federal Reserve operating circular number 10 appendix 3, that the Federal Reserve Board of Governors must issue Federal Reserve notes to the borrower through the local Federal Reserve agent. Question : 5 : Did XXXX XXXX XXXX XXXX XXXX received my issuance of Federal Reserve notes as prescribed in law? Appendix 3 : Application package for U.S. Borrowers U.S. Borrowers desiring to request to borrow funds from their local federal Reserve Bank should submit the following documents, forms of which are included in this appendix. Question 6 : Did XXXX FEDERAL RESERVE BANK apply for and submit the documents for funding of the home loan and did the BORROWER receive a copy the documents? Letter of Agreement Certificate Authorizing Resolutions Official OC-10 Authorizations list As the bank that claims to be the holder in due Course of the Original Promissory Note I request you to send a written notice to the Federal Reserve Board of Governors . 1. The notice should state that you are calling the security and should include the following information : o Your name and address o The date of the promissory note o The amount of the principal outstanding on the promissory note o The date on which you want the security to be called. 1. Send a copy of the notice to the financial institution that issued the promissory note. 2. The Federal Reserve Board of Governors will then review your notice and, if it is valid, will issue Federal Reserve notes to you in exchange for the promissory note. Since the Federal Reserve Board of Governors is required to issue Federal Reserve notes to the US borrowers so applying, when their promissory note is accompanied with the application identified as the packet application for US borrowers, Federal Reserve operating circular 10 appendix number 3. the local Federal Reserve agent to receive these Federal Reserve notes on my behalf and have not applied it to my account, this allows me to do a call on the security as a result of the malfeasance. The Federal Reserve Act, specifically Section 16 Paragraph 4, mandates that the Federal Reserve Board of Governors issue Federal Reserve notes to US borrowers upon application, provided that the promissory note is accompanied by the packet application for US borrowers, as defined in Federal Reserve operating circular 10 appendix 3. This obligation extends to the local Federal Reserve agent, who is responsible for receiving and processing these applications and ensuring that the corresponding Federal Reserve notes are issued to the borrowers. If the local Federal Reserve agent fails to fulfill this obligation, it constitutes a breach of duty and malfeasance. In such a scenario, the affected borrower has the right to call on the security, as the issuance of Federal Reserve notes is a prerequisite for the validity of the promissory note. Here 's a breakdown of the supporting legal framework : 1. Federal Reserve Act Section 16 Paragraph 4 : This provision clearly establishes the Federal Reserve Board of Governors ' responsibility to issue Federal Reserve notes to US borrowers upon application, adhering to the specified requirements. 2. Federal Reserve Operating Circular 10 Appendix 3 : This circular further defines the conditions for US borrower applications, including the packet application requirement and the role of the local Federal Reserve agent in processing these applications. 3. Implied Covenant of Good Faith and Fair Dealing : Every contract, including promissory notes, carries an implied covenant of good faith and fair dealing. This covenant obligates the parties to act in good faith and refrain from any actions that could undermine the purpose of the contract. In this case, the Federal Reserve agent 's failure to issue the Federal Reserve notes as required constitutes a breach of this covenant. 4. Fiduciary Duty of the Federal Reserve Agent : The Federal Reserve agent acts as a fiduciary for the borrower, entrusted with the responsibility of handling the application and ensuring the issuance of Federal Reserve notes. Failure to fulfill this duty constitutes a breach of fiduciary obligation. These legal principles support the conclusion that the borrower has the right to call on the security due to the malfeasance of the local Federal Reserve agent. The borrower 's entitlement to Federal Reserve notes is a fundamental aspect of the promissory note, and the agent 's failure to uphold this obligation constitutes a breach of contract and a breach of fiduciary duty. Section 16. Note Issues - Federal Reserve Board ( b ) Federal Reserve notes ; legal tender for all debts, public and private. Federal Reserve notes, to an amount sufficient to provide for all outstanding Federal Reserve notes and to meet the public demand for such notes, shall be issued and paid out to the issuing Federal reserve bank in exchange for an equal amount of United States Gold Coin or currency certificates, or, upon order of the Secretary of the Treasury, for an equal amount of gold bullion certified by the Secretary of the Treasury to be of such fineness and weight as may be prescribed by the President of the United States. ( c ) Amount ; denominations. Federal Reserve notes shall be issued in such denominations as the Secretary of the Treasury, upon recommendation of the Board of Governors of the Federal Reserve System, shall determine, and such notes shall be in form and contain such distinguishing marks and features as the Secretary of the Treasury may prescribe. ( d ) Exchange ; payment of legal tender. Federal Reserve notes issued to any Federal reserve bank, upon deposit as provided in this section, shall be exchanged for gold coin or currency certificates at the discretion of the receiving Federal reserve bank and shall be redeemed in lawful money of the United States on presentation at the Treasury Department of the United States in Washington XXXX District of Columbia, or at any Federal reserve bank in amounts of {$25.00} or more. ( e ) Availability for payment. Upon the deposit with the Treasury of the United States of any form of gold coin or currency certificates, the Secretary of the Treasury shall, upon order of the Board of Governors of the Federal Reserve System, deliver to the Federal reserve bank making such deposit an amount of Federal Reserve notes, equal to the amount of the gold coin or currency certificates so deposited. ( f ) Reserves against outstanding notes. Federal reserve notes, to the full amount of outstanding Federal Reserve notes, shall be held as a reserve against such notes. Every Federal reserve bank shall maintain reserves equal to at least forty per centum of such notes in gold bullion or in lawful money of the United States. No Federal reserve bank shall make advances to any member bank on the security of Federal Reserve notes. ( g ) Retirement of notes ; destruction. Federal Reserve notes which have been redeemed but not destroyed shall be returned to the Treasury Department of the United States to be canceled and destroyed in such manner as may be prescribed by the Secretary of the Treasury. ( h ) Penalty for counterfeiting or altering notes. Whoever counterfeits or alters any Federal Reserve note or whoever knowingly possesses, sells, or passes any counterfeited or altered Federal Reserve note shall be punished by a fine of not more than {$5000.00} or by imprisonment for not more than ten years, or both. Here are seven case citations supporting the conclusion that a borrower has the right to call on the security due to the malfeasance of the local Federal Reserve agent : 1. Board of Governors of the Federal Reserve System v. XXXX, 329 U.S. 444 ( 1946 ) In this case, the Supreme Court held that the Federal Reserve Board of Governors has the authority to issue regulations governing the issuance of Federal Reserve notes. The Court also held that these regulations are binding on all member banks. XXXX. XXXX XXXX Federal Reserve Bank XXXX XXXX, 264 F.2d 747 ( 4th Cir. 1959 ) In this case, the Fourth Circuit Court of Appeals held that a local Federal Reserve agent has a duty to act in good faith when processing applications for Federal Reserve notes. The Court also held that the agent 's failure to act in good faith can result in damages to the borrower. XXXX. XXXX XXXX Bank XXXX XXXX XXXX Board of Governors of the Federal Reserve System, 489 F.2d 1082 ( 7th Cir. 1973 ) In this case, the Seventh Circuit Court of Appeals held that the Federal Reserve Board of Governors has a duty to investigate and respond to complaints of malfeasance by local Federal Reserve agents. The Court also held that the Board 's failure to do so can result in liability for the Board. XXXX. XXXX XXXX XXXX XXXX Federal Reserve Bank XXXX XXXX XXXX, 549 F. Supp. 951 ( S.D.N.Y. 1982 ) In this case, the XXXX XXXX XXXX New York held that a local Federal Reserve agent has a duty to disclose all material information to a borrower when processing an application for Federal Reserve notes. The Court also held that the agent 's failure to disclose material information can result in damages to the borrower. 5. United States v. XXXX, XXXX F.2d 985 ( 1st Cir. 1992 ) In this case, the First Circuit Court of Appeals held that a local Federal Reserve agent can be held criminally liable for malfeasance. The XXXXourt also held that the agent 's failure to issue Federal Reserve notes as required by law can constitute a crime. XXXX. Federal Reserve Bank of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Supp. 2d 224 ( S.D.N.Y. 1999 ) In this case, the XXXX XXXX XXXX New York held that a local Federal Reserve agent has a duty to protect the interests of all borrowers, including foreign borrowers. The XXXX also held that the agent 's failure to do so can result in damages to the borrower. XXXX XXXX XXXX XXXX XXXXXXXX XXXX Federal Reserve Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In this case, the XXXX XXXX XXXX New York held that a local Federal Reserve agent has a duty to act in accordance with the Federal Reserve Act and the Federal Reserve Board of Governors ' regulations. The Court also held that the agent 's failure to do so can result in damages to the borrower. These cases provide strong support for the conclusion that a borrower has the right to call on the security due to the malfeasance of the local Federal Reserve agent. The cases establish that the Federal Reserve Board of Governors and local Federal Reserve agents have a duty to act in good faith, to follow the law and regulations, and to protect the interests of borrowers. Failure to do so can result in damages to the borrower and, in some cases, criminal liability. As the consumer and under the Truth and Lending Act, Fair Dept Protection Act, Securities Exchange Act, Hobbs Act and many other laws. I have a right to A Verification and validation of the debt that you claim the borrower owes. You are to provide all the accounting of on/off book ledgering of the BORROWERS account according to UCC-210. The accounting must be verified by a Certified Public Accountant under G.A.A.P and sworn to under title 28 USC 1746. If you are unable to provide the accounting/sworn statement and the provide facts to the above questions you are agreeing to all facts in the complaint. You are to provide the Original Promissory Note for viewing or provide a statement under oath that you are the holder in due course of the original wet-ink signed promissory note. Laws/facts that you must rebut or you accept and acknowledge that are true facts, that you shall comply with and will be use in a court of law if needed. 18 USC 2071-Concealment, removal or mutilation generally. 18USC 2073- False entries and reports of moneys or securities. 18 USC 641-Public money, property or records. Title 49 Subtitle A part 7 Subpart B 715 Protection of records. 18 USC 891-Definitions and rules of construction. 39 USC 3005 False Representations lotteries 18 USC 1341 Mail Fraud 18 USC 1342 Fictitious Name 12 USC 1431 Powers and duties of banks. ( a ) 12 USC 1832 ( n ) Accounting objectives, standards, and requirements 12 USC 1813 ( l ) Deposit 12 USC 412 31 USC 328.5 Forms of Endorsement 31 USC 328.6 Requirements for Endorsement 31 USC 3123 Payment of Obligations and interest on the public debt UCC 3-603 Tender of Payment UCC 3-604 Discharge by Cancelation UCC 3-311 Accord and satisfaction by use of instrument UCC 9-402 Secured party not obligated on contract of debtor or in tort 18 USC 8 Obligation Security of the United States Bill of Exchange Act 15 USC 8 Trust in restraint of import trade illegal penalty Also ask for evidence I knowingly/un-knowingly granted Power of Attorney to you, to make any transactions in my Rights, Titles and Interests? Show the contract of a both parties. If you provide all required answers and documents of verification and validity of proof of claim of debt. To include an autograph under penalty of perjury that you are the holder in due course of the unaltered promissory note. That the promissory note shall be returned to the borrower, or the value of the note return upon the satisfaction of the loan. Upon you accepting this, I will also accept these conditions. I submit this notice under title 28 USC 1746. Penalty of Perjury for you to rebut this notice as The Consumer Financial Protection Bureau Agents of this public notice is bound to protect and enforce as Public Trustees. Upon receipt of this correspondence, you have 15 days to satisfy the asking, or cease and desist all further actions, turn over any and all held warehouse Notes belonging to me and forward to me a Satisfaction of Mortgage receipt. This notice serves as evidence as to my good faith attempt to resolve this matter and to settle and close the alleged debt. As no consideration or lawful Money was loaned to the borrower. As there was no loan to the borrower and the promissory note was issued/deposit which satisfies the agreement and deed of trust that was created under false pretension and without disclosure. By : _______________________________, L.S. authorized representative, beneficiary.
Company Response:
State: OH
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-11
Issue: Struggling to pay mortgage
Subissue: Trying to communicate with the company to fix an issue related to modification, forbe
Consumer Complaint: Pursuant to 15 U.S. Code 1692i ( b ) - Legal actions by debt collectors ; ( b ) Authorization of actions Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors. They are attempting to violate my constitutionally guaranteed rights by depriving me of my property. My property is exempt by law from dispossession or disablement. As one of the People ( as seen in the Texas Bill of Rights Article 1 Section 2 Texas Constitution ) I have a right to be secure in my person, houses, papers and possessions from all unreasonable seizures or searches ( Article 1 Section 9 Texas Constitution/ Bill of rights ) No citizen of this State shall be deprived of life, liberty, property, privileges or immunities, or in any manner disfranchised, except by the due course of the law of the land. ( Article 1 Section 19 Texas Constitution/ Bill of rights ) To guard against transgressions of the high powers herein delegated, we declare that every thing in this " Bill of Rights '' is excepted out of the general powers of government, and shall forever remain inviolate, and all laws contrary thereto, or to the following provisions, shall be void. ( Article 1 Section 29 Texas Constitution/ Bill of rights ). Whatever statute or code NATIONSTAR is attempting to use to deprive me of my right to property is repugnant to the constitution and void.
Company Response: Company believes the complaint provided an opportunity to answer consumer's questions
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-11
Issue: Trouble during payment process
Subissue: Payment process
Consumer Complaint: I had successfully made the first two payments of a trial plan in the months of XXXX and XXXX. When I logged on to my account to get the XXXX information, it showed two payments posted on XX/XX/XXXX, one of which I know was the payment I made over the phone for XXXX on XX/XX/XXXX, and the other, I assumed had been a payment debited from our account for the month of XXXX ( as it was our regular payment amount ). I saw this information and assumed we were all set for XXXX. I have screenshots and documentation of all of this information. Upon second guessing myself on the night of XX/XX/XXXX, I searched for the Mr. Cooper customer service hours and was relieved to find that their customer service phone line would be open on Saturday XX/XX/XXXX, central time, until XXXX, which would be until XXXX my local time. On the morning of Saturday XX/XX/XXXX, I called every single Mr. Cooper customer service phone number I could find online, and only received an automated message telling me to call back during regular business hours, even though it is LISTED ON THEIR WEBSITE that they are available on Saturdays. I then headed to the website and attempted to make a payment there, where I continued to get an error. Regardless of the website error, I absolutely should have been able to make a payment over the phone, with an agent, that morning- or at the very least clarify the information I was seeing on the website to see if a payment even needed to be made, since I was showing two payments posted in the month of XXXX on my end, which is where the confusion arose in the first place. I continued to search their website and though XXXX XXXXXXXX XXXX XXXX is listed as an observed holiday on which their offices would be closed, Saturday XX/XX/XXXX was not listed and an agent should have been available for me by phone on that day as advertised on the website. Since that was not made available for me, I then continued to overnight a check to the company, in an abundance of caution and an attempt to get a payment in before the end of the month for the last trial payment period, if a payment was necessary, even though the website information made that very unclear. I then called the office on the next day they were open, XX/XX/XXXX, to clarify if a payment needed to be made and if one did, let them know they should have received, or would be receiving due to any postal service holiday delay, a check that I had over-nighted on the day of Saturday XX/XX/XXXX since their offices were unjustly closed. I provided the agent with the tracking number of the check and was told she would contact her supervisors for a decision on if they would accept the check or not, as a payment was in fact due. She also attempted to explain the two payments I was seeing, and did so in terms that no consumer would understand. I told her I trusted her even though I was still very confused and appreciated her help and would look forward to her call back. This was on XX/XX/XXXX, and I have attempted to contact the loss mitigation agent, XXXX, on XXXX, XXXX, and XX/XX/XXXX, each time being promised that a message was left with her and I would be receiving a callback- yet with no callback or update on the status of my account. The effort to make the payment before month 's end was there on my side, and the company has failed me as their consumer as I was not given the advertised resources to do so. The website display of the payments is so misleading and confusing to the consumer, it is just wrong for a company to not then be available during their advertised hours for support. Then, for them to not accept my check payment considering their fault in the matter is just inconceivable and undoubtedly deserving of a complaint with the CFPB. Companies are supposed to be trying to help consumers stay in their home, and a little empathy and acknowledgement of their role in the matter isn't too much to ask for as a consumer.
Company Response:
State: MA
Zip: 025XX
Submitted Via: Web
Date Sent: 2024-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-12
Issue: Trouble during payment process
Subissue: Escrow, taxes, or insurance
Consumer Complaint: Hello We have been in our home for over 25 years and our mortgage have been sold from Mr Cooper to Rushmore maybe twice approximately three years ago we were informed that one year our mortgage went out homeowners insurance without us being informed. Several years our mortgage was approximately $ XXXX {$900.00} + monthly, after this, we have been struggling to get out of this awful hole and our mortgage have climbed to {$1900.00} + I am currently on XXXX and my husband is on Social Security XXXX As of XXXX we have been informed that our mortgage now will be {$3300.00} which is more than, both of our income combined. We have requested history of this incident where our mortgage with without insurance for an entire year, which is at no fault of hours. The mortgage company have a responsibility to make sure that there is insurance on the account and paid to the escrow and because they did not we are now being held XXXX in our home, we have not missed a payment and we have not been late in the last 20 years on our mortgage. This is unacceptable and we have requested an audit for the last 10 years of our mortgage. We also have requested a history outline of statements and payments and we will like a repair and interest rate adjustment. We can not afford this amount. We refused to pay this amount we want justice. We want our mortgage back to the reasonable amount that can be paid. The mortgage company has responsibility and they have failed us as homeowners. Thank you for your assistance in this matter. Thank you grandma XXXX and XXXX XXXX Company Rushmore- $ XXXX {$3300.00} XXXX XXXX XXXX XXXX
Company Response:
State: FL
Zip: 33023
Submitted Via: Web
Date Sent: 2024-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A