Consumer complaint received 2020-12-05
Company: Mr. Cooper Group Inc.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
RE : Mr. Cooper, Alias Nationstars Double-Dipping, Adding Inspection Fees Account : XXXX transferred to XXXX XXXX. DOUBLE DIPPING LATE CUSTOMERS a. If customer is late besides paying the late charge Nationstar, alias Mr. Cooper automatically applies an Inspection Fee identifying the cost as Legal Fees in the amount of {$330.00}. This amount was charged in addition to late charges ; even during the consideration of modification application. 

b. Predatorial scheme to milk homeowners out overcharging for Late Fees by camouflaging as Legal Fees. Plus, inspections results/reviews/examinations were not forwarded to homeowners for their records. Most times inspections were repeated on a monthly basis at a nominal cost of {$15.00}, while the balance of the fee absorbed by Mr. Cooper ; in other words, XXXX XXXX, XXXX XXXX XXXX, or any legislature do not support these type of predatorial activities. 

c.XX/XX/XXXX, XX/XX/XXXX = 2 inspections 1-XX/XX/XXXX, 7-XX/XX/XXXX = 11 inspections modifications considerations ( I rejected ) XX/XX/XXXX = 1 inspections 2-XX/XX/XXXX, XX/XX/XXXX = 5 inspections XX/XX/XXXX = 1 inspection Total cost ADDED to loan mortgage {$6600.00} for unwanted inspections identified as LEGAL FEES!!! XXXX and XXXX were modification considerations ; however, results was to satisfy foreclosure and other reinstatement after rejecting modification proposal. 


2. Payment was submitted electronically via homeowners bank on XXXX XXXX and delivered and processed by Mr. Cooper on XXXX XXXX, see documentation. 
a. Mr. Cooper marked payment as late and applied inspection charge of {$330.00} b. Homeowner has had two years of on time payments with a few days late exceptions. ( See documentations below of electronic Bank History ) c. Mr. Cooper reported this addendum fee to the TRANSFERRING LENDER, XXXX XXXX XXXX XXXX XXXX, who is expecting me payment! I REQUESTED BOTH LENDERS TO AUDIT THE DISCREPANCY. 
d. XXXX provided immediate results indicating Mr. Cooper applied Inspection Fee for XXXX payment on XXXX XXXX, but payment was made on XXXX. ( See Document ) e. Mr. Cooper has refused to correct error, even after multiple phone calls, emails, and transmissions from Selective. 

3. Homeowner will forward documentations to Congressional Chamber to notify this institution has, is, and will continue to apply unscrupulous, predatorial, and non-standard financial practices to unsuspected borrowers. Mr. Cooper is a Predatorial Swindler and should not be allowed any relations with the consumers. Thank God for the transfer with the NEW LENDER ; therefore, I want the matter of {$330.00} corrected, immediately!!!!!! 
Homeowner shouldnt have to go through CFPB to get the Lender to do the RIGHT THING. 

Sincerely yours, XXXX XXXX XXXX XXXX. : ( ) cc : XXXX XXXX XXXX, Atl-LegalAid # Mr. Cooper contacts : starting in XX/XX/XXXX XXXX # XXXX ; XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX # XXXX. XXXX ; XXXX, XXXX, and very XXXX XXXX. 

ATTACHED FILE CFPB XXXX ALSO TO XXXX INCLUDES THE FOLLOWING DOCUMENTS : A. Corporate Advance History submitted by XXXX XXXX Mr. Coopers 2nd Acknowledgement after CEO letter alerting inspection fee on XXXX XX/XX/XXXX. 
C. Notification of transfer XXXX XX/XX/XXXX XXXX XXXX response to inquiry and forwarded documentations of Coopers charging homeowner. 
E. XXXX statement indicating Cooper had passed along the inspection charge fee. 
F. Bank Copy of XXXX Electronic Mortgage Payment indicating PROCESSED ON XXXX XX/XX/XXXX indicating payment was received on time AND INSPECTION FEE CHARGED ON XXXX XXXX, which Mr. Cooper is no longer the Lender! 

SEPARATE FILE PERTAINING TO MR. COOPER FEES G. Inspection Fee Documents pages 1-34

Company response to consumer: Closed with explanation