Consumer complaint received 2023-11-29
Company: Mr. Cooper Group Inc.
State: NY
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Application denials

Complaint:
Purchase on XXXX XX/XX/XXXX for XXXX XXXX XXXX, XXXX NY. The loan was originally serviced by XXXX and then sold to Mr. Cooper. Several items of discussion need to be addressed. I was not informed that the XXXX XXXX XXXX site was less than half a mile away. The county records, town, and village records all do not discuss this either. While conducting our due diligence it was not disclosed that there was groundwater contamination and vapor hazards. This XX/XX/XXXX summer 's remediation continued, and I have issues with XXXX, XXXX, and XXXX XXXX XXXX XXXX that I have sought medical care for. and have worked as a XXXX and know what NAPL is because it carries a very distinct smell. I never received any notification of this XXXX XXXX and the continued. This was never disclosed and does not display the best business practices. This information should have been disclosed to the VA home inspection team for me to purchase the house the a VA home loan. The XXXX site and XXXX XXXX XXXX were not disclosed on the NYS property condition discloser form to us at the time of purchase nor was it disclosed through the VA home appraisal process. 

I have read the public law that deals with VA IRRRL loans, Nowhere in the 38 CFR or VA Policy does it state that a Veteran can not apply for this benefit unless the market allows them to. I asked Mr. Cooper to please provide me with the exact location of this information that they have discussed as the industry standard. I was not furnished with that policy or even a link to information that would suggest that my understanding is incorrect as the law reads. 38 CFR does not state that VA dictates the loan servicer not give access to a Federal benefit that is earned by the veteran 's time in service. This is an EEO issue because as a Veteran I am part of a targeted population that is constantly under siege because of " benefits ''. 

Now we are getting to two other areas that deal with escrow accounts being used for profit and gain. I am a XXXX Veteran and receive discounts on town and village taxes. This year I was furnished with a check as a " refund '' for taxes. 

We placed a large sum of money on this residence and I stated via phone, email, and then communication via the internal communications chat service that I wanted those funds to be put on the principal of the mortgage. This was not done until I reviewed the mortgage and asked for the funds to be properly allocated to the principal. I paid my mortgage payment that month in addition to the additional funds. It was approximately {$1400.00} dollars that was not applied to the principal and was taken as servicing fees. The action was corrected only after I had performed some accounting functions on my own and asked for a resolution. 

Now we are on to the recent Cyberattack that has happened to Mr. Cooper they were attacked on XX/XX/XXXX and this was reported by email. It has come to my attention that Mr. Cooper has some privacy policies that are not fraudulent on its face. However, these company policies have led to the unjust enrichment of cyber criminals who commit fraud. Mr. Cooper has contracts with several marketing companies not only do they have all your PII they are also collecting cookies on you and it is implied that if you communicate with them through their website you are giving them permission to beacon your devices and home network back to their network servers. These cookies can become super cookies and the amount of metadata that is collected is making my head spin. Mr. Cooper has an opt-out program that will allow you to stop these intrusions but you have to research as a consumer. I have dropped the link below to assist other customers being abused by the marketing scheme and it is not ironic that one of Mr. Cooper 's corporate partnerships XXXX was sued by the DOJ for fraud in XXXX. When a company aggregates data as part of its business practice and then collects metadata via cookies and beacons there is no expectation of privacy my personal information is used as a commodity by these financial institutes and criminals alike. Mr. Cooper has not disclosed information to me in a timely manner about what information was compromised and how it was compromised. Not only is my family a victim of crime from the criminals we are also suffering at the hands of those " trusted agents '' that are selling our data points and PII to assist big data and in the process opening up several attack vectors causing undue harm through their negligence. 

Under the " Justice for All Act of 2004, '' codified at 18 U.S.C. 3771, a crime victim has specified rights, as follows : ( a ) RIGHTS OF CRIME VICTIMS.A crime victim has the following rights : ( 1 ) The right to be reasonably protected from the accused.

( 2 ) The right to reasonable, accurate, and timely notice of any public court proceeding, or any parole proceeding, involving the crime or of any release or escape of the accused.

( 3 ) The right not to be excluded from any such public court proceeding, unless the court, after receiving clear and convincing evidence, determines that testimony by the victim would be materially altered if the victim heard other testimony at that proceeding.

( 4 ) The right to be reasonably heard at any public proceeding in the district court involving release, plea, sentencing, or any parole proceeding.

( 5 ) The reasonable right to confer with the attorney for the Government in the case.

( 6 ) The right to full and timely restitution as provided in law.

( 7 ) The right to proceedings free from unreasonable delay.

( 8 ) The right to be treated with fairness and with respect for the victims dignity and privacy. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX https : //www.mrcooper.com/privacy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation