Consumer complaint received 2021-03-10
Company: Mr. Cooper Group Inc.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
To whom it may concern. 

I am filing a formal complaint against MR. Cooper loan company, for Loan # XXXX Located at XXXX XXXX XXXX XXXX. XXXX, GA XXXX to remove my ex-husband 's name from the Loan. 

After many unsuccessful attempts with my mortgage company to remove my ex-husband 's name from my loan despite quit claim deed proving that property has been transferred to my name solely and recorded in the county. I decided to contact you for help. 

Details : Me ( XXXX XXXX ) and my ex-husband ( XXXX XXXX XXXX ) owned property together, however after our divorce, precisely in XXXX, my ex-husband did not want to deal with the property, so I paid him, and he transferred the property % XXXX to my name. ( attaching Quit Claim Deed ), We went to a lawyer, completed the process, and transferred the property to my name because he wanted no liability with the house. ( during the market crush, I took the risk ) Mortgage company Issue : My mortgage company has declined, multiple times to remove his name from the loan. So, in XXXX when the pandemic hit us, ( my current husband lost his job ), so, mortgage company offered us a forbearance program, helping us. Again, we have not paid our mortgage for 12months, due to covid19, job loss, income, etc. 

Now, that the forbearance is ending, they sent me paperwork for the partial claim modification, ( this was never mentioned to me previously ) Documents that I must sign for them to approve/finish the forbearance program, however, they are demanding that I have my ex-husband sign the partial claim documents in order to move on with the forbearance. I have sent them the Quit Claim Deed as proof that he has not been liable, nor been part of this house for the longest, they acknowledged that the property is recorded under my name XXXX XXXX in XXXX County, but they are still declining to accept only my signature on these partial modification documents. They want me to go look for my ex. have him sign the partial documents, or come up with {$8000.00} to pay the entire back balance for the twelve months that was not paid during covid19, or maybe lose my house. 

How is possible, they are asking me to look for my ex. husband? Why do they put me through this difficult situation? the property has been mine for over a decade, legally transferred to my name, I have been solely responsible with my current husband for this property, we have always paid on time until covid19 affected us ALL. 

When I asked my mortgage company to do an assumption, to avoid the requirement of my EX. Husband 's signature on this partial claim, they declined again stating No, you will only be able to do an assumption until this partial claim is completed. Subsequently, you must pay another {$10000.00} to do the assumption. 

My mortgage company just wants the money, they care less about their customers. 

Mr. Cooper do not want to make an effort to fix my problem and remove my ex-husband from the LOAN. Again, or accept my only signature on the current partial modification. XXXX XXXX XXXX has already transferred the property to my name and wanted out of this house completely. This issue has been dragging for years. I need them to take this complaint/request seriously. I am not guilty that covid19 affected us, they never explained this to me, they made it seem so easy, they have never ever mentioned or explained this is considered a modification, or there will documents that you must sign, they made it seem so simple, and just the amount will be moved to the end of the mortgage, never have a modification been mentioned during the forbearance

Company response to consumer: Closed with explanation