Consumer complaint received 2023-09-26
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
RE : - Nationstar Mortgage Mr. Cooper Rightpath servicing XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  Myprincipalloan amount haspractically doubled, with charges, late fees, corporate advancefees, attorneysfees , drive by fees, etc., etc. that has snowballed during the lengthyduration of this engineered foreclosure attempt. They claimed in the bank 's foreclosurefiling, I did not make a XX/XX/XXXXXXXX  Mortgage payment, when in actuality not only were they paid, but " they '' had deducted it out of my account ; via ACH withdrawal. During that time frame, XXXX loan servicing, falsely advised me that I owed them approximately $ XXXXoverwhat was actually owed them.This was brought to my attention just after a mortgage modification had been completed. So I knew something clearly was wrong. When I brought myconcernsto theirattention, by requesting some truth in lending. They point blank refused to explain the origin of the additional amount, but insisted I pay itanyway or they would refer my loan to foreclose. Me, beinga person of principal, Irefused to pay for something I did not owe. Nonetheless, I continued to make my regular mortgage payments. Hoping that I would eventually get an agent to look into it and resolve the bank 's overcharge. I also began documentingthroughletters and followed up with phone callsas Iclearly stated, " I disagreed with the validity of the debt & the amount of the debt '', & was requesting an explanation justifying the charges. They continually made one excuse or another, expecting me to just pay whatever amount they chose to pull out of theirhat. This has been nothing short of an extortion event which has turned into a racketeering attempt. 

Pleasenote, after XXXX XXXX XXXX XXXX  doing their michieft, having been paid in full my loan was then handed off to XXXX XXXX XXXX, then toNationstar Mortgage, better known as Mr. Cooper, withRightpath servicing being the new servicer. There may be chains of title issues during the timeline in which they played hot potato with this loan. Theabove-mentioned organizations areall connected, one in the same, just merelyunder theguise of differentcorporatealiases. Regardless they all seem to be attempting to collect on falsifiedpaper on behalf of one another. As one does thecriminal mischief, then hands it off to the next to collect on it. To date theyhave each singularly and collectively refused to take responsibility for the extortion attempts, hoping to capitalize onat the leastthe erroneouscharges plus interest, fees and costs or more significantly to repossession of my home. I haveattemptedto resolve this countless times to no avail. Most recently I requested one of the managers, XXXX XXXX withMr.Cooper dosome research on my accountin order to identify some of the overcharges in order tohave it removed. Right along with the additional late fees, corporate advance fees, attorneys fees , drive by fees, etc. etc. all resultingfrom their original wrongful overcharges ; now turnedinto foreclosure action. They are attempting to fraudulently collect a large sum of money from me which is not owed to them. To my surprise, each of the banks involved, point blank refused to remove the over charges ; in the hopes I would tire and give in or simply get fed up and walk away. I will not succumbtothisbanking carteland theirevil minions attemptingto stealmy largest asset rendering me homeless. As they continually try to beat me down, attempting to instill fear with their ongoing falsified foreclosure attempts. They are counting on me not having all the necessary documents, so many years later to be able to illustrate their criminal mischief. 

When XXXX XXXX refused to acknowledge the multipleforced placed insurance policies, after her investigation. Ultimatelyrefusing to creditmy account for the overcharges. I then provided RightPath Serving, with a copy of the original XXXX XXXX XXXX XXXX XXXX escrow statement dating back to the XXXX  / XXXX  calendaryear, as my insurance coverage commences in XXXX of one year and goes to XXXX of the next. That statement clearly reflects that I was billed for " 4 insurance policies '' plus some other unknownHazardInsurance charges all for the same calendaryear. This was the catalyst that createda huge escrow shortage, and has fraudulently placed my account in the rears accruing of all the other fees over the last 7 years, now well in excess of $ XXXX. After they refused to take any further payments of mine back in XXXX  settingup the large overage, to insure foreclosure! Please note, my mortgage payments include PITI ( principal, interest, taxes and insurance ) combined in one payment amount.Also, between XXXX  / XXXX  to date they had also refused to pay my insurance company 's policies and it was cancelled due to nonpayment. Whereby they gladly put theirforced placed policy instead with a 30 % higher premiumon average. For several years. 
A year and a half ago, I had applied and qualified for theHAF PROGRAM, whereby this program wouldcontribute $ XXXX towards bringing my mortgage current. The program facilitator has requested, I providethem with some necessary paperwork from the bank reflecting the $ XXXX balance so the program can make their portion of the payment assisting me in bringing themortgage current until the parties could determine the accurate reinstatement amount to resolve the pending foreclosure as per the judge 's order. To date the bank has refused to provide me with the necessary documentation for the HAF Program, ultimately blocking the HAF PROGRAM from making their payment. Hoping the program would expire and just go away due to theirin action, ensuring a foreclosure win fo them. Moreover they again have refused to remediatethe insurance overcharges plus all the resultingfees over the years, i.e. the late fees, corporate advancefees, attorneysfees , drive by fees, etc. which currently exceed $ XXXX and growing. But they in essence have chosen to block any future payments unless it'sthe amount that theextortionist'sdeem allowablefor me theability tobring my mortgage current. As they continue to disregarda court order, from XXXX of XXXX  ultimately blocking themselves from being paid. Please note all of the overagestacked on to my account for that particular year is as follows {$5200.00}, {$3800.00}, {$260.00}, {$3800.00}, {$13.00}. Compounding annually andcomplying with the fraudulentlate fees, corporate advancefees, attorneysfees , drive by fees, and any other fee they could think to drum up in order to grow my outstanding ledger. This hasserved to increase my monthly mortgage payment by roughly 25- 30 % before even calculating a new interest rate, should I decide to refinance. What a sure fire way to ensure foreclose success. In XXXX  XXXXXXXX  my correct Insurance policy cost was {$3300.00} ( please see the attached deck page ) & my Taxes were {$2400.00}.

Company response to consumer: Closed with explanation