Consumer complaint received 2023-01-10
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
RightPath Servicing has fraudulently assessed me for insurance. 
A letter sent to me dated XX/XX/XXXX, from RightPath Servicing, claimed my Home Owners insurance had expired, of which it did not. 
Proof of insurance was emailed, by me, to the email address listed in the letter stating, If you prefer you may update your HAZARD coverage information at XXXX. I emailed a copy of my hazard insurance on XX/XX/XXXX at XXXX. 
A second letter was sent by RightPath Servicing, stating, This is your second and final notice to obtain insurance or provide RightPath Servicing proof of insurance, as our records show that your HAZARD insurance expired and we do not have evidence that you have obtained new coverage. Because HAZARD insurance is required on your property, we plan to buy insurance for your property. 
I emailed RightPath Servicing, again, on XX/XX/XXXX, providing them proof of HAZARD insurance coverage. 

I have acknowledged receiving letters from RightPath Servicing that were sent on XX/XX/XXXX and XX/XX/XXXX. I have NEVER received a letter from RightPath Servicing dated XX/XX/XXXX, in fact, the first time I saw this letter was on XX/XX/XXXX when RightPath Servicing attached it to a response to my complaint filed on XX/XX/XXXX. RightPath Servicing had not provided this XXXX letter in response to previous complaints I had filed, including the complaint ( filed XX/XX/XXXX ) they responded to on XX/XX/XXXX, because its obvious that this letter did not exist before XX/XX/XXXX. 
The first time I became aware of RightPath Servicing assessing me for H06 insurance was in XXXX, as this was the first time my monthly mortgage payment statement reflected an assessment for FPI ( Forced Placed Insurance ). My XXXX mortgage payment statement amount was not changed to reflect the purchase of insurance ( H06 ) and neither was my XXXX mortgage statement. 
I immediately purchased XXXX insurance in XXXX, as this was the FIRST time it was brought to my attention that RightPath Servicing was requiring XXXX insurance AND NOT hazard insurance, as their letters of intent to purchase insurance on my behalf had consistently claimed HAZARD insurance. 

HAZARD INSURANCE, as defined by all major insurance providers is : HAZARD INSURANCE Nationwide Insurance What is hazard insurance? 
Hazard insurance generally refers to coverage for the structure of your home only. Other kinds of damage will be covered by other coverages within your homeowners insurance policy. Hazard insurance doesnt generally refer to the coverage that protects you for injuries incurred by you or your guests following an accident XXXX be covered by liability coverage. 
The reason hazard insurance is a common term is actually because of lenders. Your mortgage loan provider XXXX require hazard insurance at minimum before they will issue you a loan, because that is the only portion of the homeowners insurance policy directly related to the home structure itself. This XXXX create the misconception that hazard coverage can be purchased separately from homeowners insurance, which is not accurate. If your lender has specified that you need hazard or dwelling coverage, just know that generally purchasing a homeowners policy will satisfy their requirements. 

RightPath Servicing should now be investigated by the CFPB for their deliberate intent to fraud. The proof in their provided communications is irrefutable, they claimed I needed to purchase HAZARD INSURANCE and then placed a XXXX insurance policy on my property which, as its clear, is NOT hazard insurance. 

I am requesting an investigation into XXXX XXXX actions and to give strong consideration to their history of misconduct and millions paid in sanctions, under different entities.

Company response to consumer: Closed with explanation