Product: Mortgage

MR. COOPER AKA NATIONSTAR MORTGAGE ( XXXX XXXX   ) Mr. Coopers business representatives are not bankers and have no idea on how to service a loan. Their data base is an old DOS ( over 18 years old ) which is so outdated that their departments do not communicate with each other so they cant correct their errors. Therefore they are continuously practicing illegal mortgage practices by overcharging their customers excessive fees and interest. They have class action lawsuits against them in several states. As of XX/XX/XXXX, lawsuits filed against Nationstar Mortgage include breach of contract, unjust enrichment and fraud claims, according to XXXX XXXX XXXX and the XXXX XXXX XXXX. Other lawsuits allege Fair Debt Collection Act and Fair Credit Reporting Act violations. See the following : 1 ) Nationstar ( aka Mr. Cooper ) reaches {$17.00} XXXX mortgage settlement with NYDFS 2 ) Nationstar ( aka Mr. Cooper ) reaches $ XXXX mortgage servicing settlement with California 3 ) Massachusetts hits Nationstar ( aka Mr. Cooper ) with fine, sanctions over servicing abuses 4 ) The beneficiaries of a New Jersey Estate has filed a lawsuit Pro Se with Docket number 3:18-cv-12085-FLW-DEA in US District Court , New Jersey against Mr. Cooper, the renamed mortgage servicing company once called Nationstar Mortgage over their claims of wrongful acts and allegations of fraud which has resulted in attempted foreclosure. 
We just came out of a bankruptcy program at the end of XXXX XXXX.The courts notified Mr. Cooper and asked them if we good and they said yes so the bankruptcy courts could close our case. So we tried to refinance at the end of XXXX and in XXXX of XXXX too but due to their errors we got denied twice. They put {$78000.00} in a suspense account instead of directly applying the payments from the courts to our mortgage. When XXXX came someone at Mr.Coopers mortgage company tried to put the money here and there but they didn't put that money where it should have gone. We couldnt get Mr.Cooper to comply and correct their errors by phone or in writing. After several months of contacting them we also had to file a lawsuit against them. They breached the deed of trust and violated WCPA ( Washingtons Consumer Protection Act ) 1 ) They misrepresented the status of our account to the bankruptcy court and did not apply the payments until XXXX which created a deficiency not disclosed to the bankruptcy court and/or waived by Mr.Cooper through their omission. 
2 ) They charged us costs and fees that were discharged by the bankruptcy court.

3 ) They overestimated our payoff and claimed we were delinquent in the mortgage verification that they provided to a 3rd party.

4 ) They charged us foreclosure fees that were duplicative, unlawful, deceptive or unfair.

5 ) They failed to comply with RESPA by including unlawful fees in the periodic statements. 6 ) They have failed to comply with Regulation X by not timely or accurately responding to our requests
7 ) They breached the contract by engaging in the above-referenced conduct.

8 ) They breached their implied duty of good faith and fair dealing.

9 ) They charged us property inspection fees that are unlawful pursuant to RCW 7.28.230 Mr.Cooper is going to continue practicing illegal mortgage practices which is unfair to their customers who dont have the money to fight them unless they are put out of business. They are crooks who would rather pay out millions in lawsuits than update their DOS data base system. They can not afford to update their system to correct their numerous errors and they should not be in business at all.