Consumer complaint received 2022-09-23
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Due to XXXX I lost my job and was unable to make payments on my mortgage. 
I applied yo the Federal Homeowners Reliefs program on 2021 a d was approved. 
I paid two of my 3 trial period payments from XXXX to XXXX this year on time, to my loan company. 
Before my 3 probation payment on XXXX, my loan was sold to RightPath Servicing. I make my 3 and last payment of the trial period on time, on XXXX of this year to RighPath as well and received a notification letter advising me of my final Modification Papers will arrive with in 3 - 10 business days to be sign by me and return it to them. 
Several months have pass since RightPath bought me loan and still I have not received my final documents in relation with my loan modification. 
As we all know home value has considerably increased in the pass years. My home value has double as well. Im still paying a PMI of around or more $ 200 monthly and because I have not received the final documents Im not able to stop my home monthly PMI payments to the loan company.

I have called RightPath trying to get my final documents as soon as possible and they just give excuses after excuses. 
They are to busy, to many loan modifications. 
Its not my fault they do not have enough employees to process all modification. 
Its not my fault they decide to buy all this loans right before the modification documents were finalized. 
The longer they keep those modifications from finalizing they will continue charging for an improper, unnecessary PMI on thousands if not millions of homeowners ( consumers ) making millions or billions at the already stressed out homeowners during and after the pandemic. 
No only that, homeowners insurance have rise above {$200.00} to unknown highest numbers and electricity have rise around $ 200 monthly as well all this increasing a minimum of {$450.00} in the homes monthly expenses already to difficult to keep. 
Until when or how long this Lender/loan Mortgage company can continue elongating the wait of my Final Modification documents? Its over 3 months at this point and Holidays are approaching. We all know things will go even more slow by the end of beginning of the year. 
There is no use of Federal programs to help if the Loan Mortgage companies/Lenders do not care about compliance with the law. 
I believe my modification is taking even longer out of punishment for complaining to them. 
I believe I have been abused and ripe off my rights by this Lender. 
I need answers and not precisely excuses of them been to busy. 
I need the PMI of my payments asap to be able to keep my home. 
Please do something My name XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX Fl XXXX My loan information is as fallow Right Path Servicing Loan Number : # XXXX MAILING ADDRESSES FOR PAYMENTS RightPath Servicing XXXX XXXX XXXX XXXX XXXX TX XXXX FOR OVERNIGHT MAIL RightPath Servicing XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX NOTICE OF ERROR/REQUEST FOR INFORMATION, complaints, request for information or other qualified written requests Attn : Customer Relations XXXX XXXX XXXX XXXX, TX XXXX Phone XXXX Fax XXXX Thank you

Company response to consumer: Closed with explanation