Product: Mortgage

Mr Cooper bought out my original mortgage lender ( XXXX XXXX ) back in XXXX. I had issues accessing my loan information on-line with Mr Cooper due XXXX my previous house that I lost in a divorce that was also with Mr Cooper. 

Attempting to log in defaults to my ex-wife 's login/password for a home loan I no longer am affiliated with. When I attempt to create a new account name/profile it states that I have an existing account and directs me to log in with my ex-wifes information, which I have never selected as I have no reason or purpose to see her loan information. 

My first attempt to fix this issue with Mr Cooper was in XX/XX/XXXX. The automated Customer Service does not have an option that fits and you can not get to a live agent to speak with no matter what you say or do. I tried emailing Mr Cooper as well and never received a response. 

Fast forward to XX/XX/XXXX and Mr Cooper sent an email regarding important mortgage information and a change in my monthly payment. I responded via email that I could not log in to view any changes. I received no responses. 

On XX/XX/XXXX I called Customer Service and was able to obtain my new loan payment amount and when the change would take place via the automated process. But I again was unable to actually get through to an agent about my login issues. 

That automated XX/XX/XXXX call informed that starting XX/XX/XXXX that my payment would be {$1400.00} ( previous amount was {$1400.00} since I purchased this home several years ago ). 

I made my mortgage payment on XX/XX/XXXX in the new amount of {$1400.00}. 

The first week of XX/XX/XXXX I received a letter in the mail from a creditor named XXXX XXXX Mortgage XXXX that they are a debt collector and I owed {$2900.00} by XX/XX/XXXX. 

I tried calling Mr Cooper Customer Service on XX/XX/XXXX to obtain more information as I have never missed a mortgage payment, nor have I paid late. The automated service provided no information regarding a debt collection and after numerous attempts it was impossible to speak to an agent even though it states there are agents waiting and available. 

I have sent Mr Cooper numerous emails regarding the debt collection concern and about rectifying my lack of on-line access to my account. To date, I have still never received an email response. 

On XX/XX/XXXX I had to pick up a piece of Certified mail from Mr Cooper stating that my loan was 34 days late and I {$1500.00} in debt. So somehow between the XXXX letters they sent me in a week I went from {$2900.00} in debt to {$1500.00}. 

On XXXX XXXX, XXXX I received XXXX letters from Mr Cooper threatening foreclosure and that I owed {$2900.00}, plus a {$33.00} late fee. I have until XX/XX/XXXX to respond to Mr Cooper and rectify this debt or my home will be put in foreclosure. 

I have emailed many times ( all included under " attachments '' ) and have yet to receive a single response from Mr Cooper. XXXX is now of the essence as they are threatening foreclosure on my house when I have never missed a payment and have always been on time. I even immediately paid the new loan amount on XX/XX/XXXX which was a week prior to its due date. 

I have a separate file with all email attempts that I have made to Mr Cooper, but the file is too large to attach. Please let me know if you would like to see all of them or examples and I will figure out how to minimize the size of the file should you request to see them. 

I have missed calls in the last several weeks on my personal cell phone listed as " Unknown '' caller but was today able to recognize that they were made from a Mr Cooper Customer Service number. Not one voicemail was ever left stating who was calling or why.

Thank you in advance for any assistance you may be able to provide as I am w/in two weeks of Mr Cooper putting my house in foreclosure for an unwarranted reason and never responding to any of my attempts to speak with them and rectify.