Consumer complaint received 2019-10-01
Company: Mr. Cooper Group Inc.
State: WV
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
After a early retirement from an injury, our finances became strained ... ... .... 
Things fell behind. 
We contacted Nationstar Mortfage dba Mr Cooper for help. We have been transparent from the get go ....

We did a modification which was Ultimately denied because we didn't have a need according to Mr Cooper. They determined this because we made our payments through the process ... ...

We ( tried to ) explain ww were paying the mortgage strictly through savings and that was running out so we seriously needed help to keep our house. 
So a second modification was started in XX/XX/XXXX which was a total nightmare. I sent and resent and resent documents they needed snd although I have confirmation they received the documents, they would tell me they did not receive them. They kept dragging The process out until it expired and then they REJECTED it .... After 6 months of dealing with these people for a 2nd modification. ( BUT ... ... NO ONE FROM NATIONSTAR TOLD US ONE TIME THAT A MODIFICATION HAD TO BE COMPLETED AND DENIED BEFORE A SHORT SALE COULD BE APPROVED ) ... ..

Or maybe that's a lie too ... .... Idk We also discussed other options with Mr Cooper such as a short sale and/or a Deed in Lieu of foreclosure. So, in XX/XX/XXXX, we put it on the market as a short sale and we used the Realtor Mr Cooper told us to. We were asking for pay off only. For 5 months, we showed it but got no offers because the house has fallen in disrepair. 
We owe XXXX and the appraisal Mr Cooper Did was In the 160s. 
In XX/XX/XXXX ( and by the Grace of XXXX ) we got an offer of XXXX on the house. We were so Blessed. I cant even tell you. 
So Mr Cooper TOLD US in XX/XX/XXXX to Put it on the market as a short sale ... .... 
We sold it XX/XX/XXXX No one explained anything to us in this process. We have had to force information from them AND 9 out of 10 people we spoke with told us WRONG ... .... 
A young veteran is trying to buy our house. He paid his dues to this country and this is what he gets too ... ... This us messed up ... ... .. 
So after fighting with them since XXXX, Mr Cooper foreclosed on our home and it was auctioned off yesterday. The starting bid was XXXX so if someone would have bid on it, they would have walked away with my house for XXXX and I have had a pre-approved offer of XXXX. 
I am now living in a camper. We are XXXX years old and he is working out of state because theres no work here. Weve lost our house and this will likely ruin us for the rest of our Life. 
Yesterday, Mr Cooper told me ... ... 
WELP ..., We ran out of time to approve your short sale. Nothing you can do ... .. 
THIS CANT BE LEGAL ... ... 
We sold our house ... ... ... 
We've been in touch with FHA and have a case number. They can provide additional info. 
FHA CASE # XXXX I am college educated and very Intelligent and these people have broken us. I can not imagine how it would go for people who are less educated or knowledgeable ... ... .. 

MY TAKE ON THIS IS They never had ANY intentions of approving the short sale and EVERY intention of screwing us ... .... 
We followed their lead TO THE LETTER ... ... 
I demand satisfaction ... ... ...

Company response to consumer: Closed with explanation