Consumer complaint received 2021-03-27
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I had four ( 4 ) mortgages that originated with XXXX XXXX XXXX in XX/XX/XXXX. I never had any problems with XXXX until three ( 3 ) were sold to Nationstar a/k/a " Mr. Cooper '' in XX/XX/XXXX. All four loans have been paid off except for one with Mr. Cooper, in which there is a minor dispute of {$350.00}, which they refuse to accept even though it was the agreed-upon pay-off amount. Mr. Cooper has now sent the collection to XXXX XXXX  as a debt collector, and the amount in dispute is now over {$1000.00} in less than a year. In fact, Mr. Cooper owes me many thousands of dollars. 

Mr. Cooper has been a HORRIBLE business to deal with. I have attached numerous documents which demonstrate what I conclude has been fraud against me in at least two of the three mortgages. They also lied to the XXXX  of XXXX and XXXX Texas. They reneged on another settlement regarding insurance policies that they had agreed on and only after the BBB case had been closed in favor of me as the consumer. 

Mr. Cooper 's and XXXX 's actions are nothing short of extortion. I have recently applied for a mortgage with XXXX XXXX, which was denied almost solely based upon Mr. Cooper 's false representations and their refusal to honor their pay-off amount on the third loan of mine with them. This was after XXXX XXXX had full disclosure of my problems as a victim of Mr. Cooper and fully five weeks after having my second loan request with them. Furthermore, I had already paid them for the appraisal, which I don't believe was ever made. I recently recalled that Mr. Cooper and XXXX XXXX were business partners on at least one of my loans. There was an inherent conflict of interest, and XXXX XXXX should have had an unbiased independent examination of my credit history conducted, which they failed to do. I still need that loan to be closed as soon as possible. An attorney representing me and I have requested from Mr. Cooper several times for complete copies of the account history such as payments, debits, insurance, etc. These statements show excessive charges, servicing errors, fee errors, payment errors, escrow errors, and pay-off errors. XXXX Mortgage was informed by myself of the problems that Mr. Cooper caused by breaching our agreement for the pay-off of the last loan with them. Instead, XXXX ignored my advice. As I previously mentioned, Mr. Cooper owes me tens of thousands of dollars, which is now escalating due to my inability to obtain a mortgage loan due to their errors and misconduct. XXXX XXXX then denied my loan because of my being a victim of Mr. Cooper, of which XXXX XXXX is affiliated with, and because I was traveling nearly constantly while employed as a XXXX XXXX XXXX with the XXXX XXXX  XXXX XXXX and had all of my accounts on automatic Billpay. I find these acts to be abhorrent against someone who put over 20 years in service to our country, including nine years in the active XXXX XXXX. XXXX XXXX summarily dismissed it, despite the evidence that I had produced showing that Mr. Cooper was completely at fault, with not only my three loans but thousands of others that they have recently admitted to.

Company response to consumer: Closed with explanation