Consumer complaint received 2019-11-07
Company: Mr. Cooper Group Inc.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Terms of homeowners inquiry : 1. Automatic PMI termination reached 78 percent of original valued XX/XX/XXXX but still NATIONSTAR, alias Cooper continued to demand homeowner to pay to the present day the PMI! CANCEL PMI. REMOVE FROM PMI FROM ESCROW ACCOUNT TO REDUCE MONTHLY MORTGAGE, IMMEDIATELY! See attach.

2. Nation Star accessed Legal Fees about XX/XX/XXXX in the amount of {$570.00} and additional Legal Fees and Property Inspection immediately after homeowner refused coerced modification proposal in the amount of {$730.00}. Please identified legal fees, or pre-foreclosure fee , county filed, date, attorney, copy of legal document, all pertinent legal and public document pertaining to monies and fees accessed to the XXXX XXXX XXXX XXXX, Georgia Property. See attach. 
a. When foreclosure documents were filed in XXXX County by third party attorney fees were paid in XX/XX/XXXX to Nationstar, alias Cooper as well as re-instatements fees. PAID CASHIER CHECK TO NATIONSTAR DESIGNATED ATTORNEY. 
b. Lender is required to provide accountability to borrower. 

3. Request to remove ENTIRE escrow account from mortgage ; i.e. homeowner elects to be responsible to pay the tax liability and property insurance. 

4. HISTORY -- Receipt dates of mortgage Payments from XXXX to XXXX of account. 
HISTORY -- Total Amount of Mortgage Received from XXXX to XXXX of account. 
In other words, please supply Transaction History as Nationstar provided to online customers before as shown in DOCUMENT A, effective date, payment, amount, principle, interest,,,,,,,. Customer friendly!!!!! As noted, Document A, notes last online accepted webpage payment, XX/XX/XXXX & XX/XX/XXXX were rejected. 

Action Items : cancel PMI ; establish legal fees, cancel escrow, and request QWR. 
THE NINETY DAYS HAS SURPASSED WITHOUT COOPERS PROVIDING HOMEOWNERS REQUESTS, ADJUSTMENTS, CORRECTIONS, EXPLANATIONS, REDRESS, ACCOUNTABILITY, DOCUMENTS, TRANSCRIPTS, OR ANY TYPE OF PERTINENT RECORDS REGARDING LEGAL EXPEDITURES, PMI INSURANCE IS STILL BEING COLLECTED! 

Not only have they failed to oblige Homeowners but ACCESSED MORE UNIDENTIFIED LEGAL FEES, ..THESE UNKNOWN FEES ARE ADDED CONTINUOUSLY SO HOW CAN I KNOW WHAT MY CURRENT MONTHLY MORTGAGE WILL BE.THESE FEES ARE ADDED AFTER THE STATEMENTS ARE MADE. AND I WONDER WHETHER THEY ARE DONE INTENTIONALLY!!!! Terms of homeowners inquiry : 1. Automatic PMI termination reached 78 percent of original valued XX/XX/XXXX but still NATIONSTAR, alias Cooper continued to demand homeowner to pay to the present day the PMI! CANCEL PMI. REMOVE FROM PMI FROM ESCROW ACCOUNT TO REDUCE MONTHLY MORTGAGE, IMMEDIATELY! See attach. 


2. Nation Star accessed Legal Fees about XX/XX/XXXX in the amount of {$570.00} and additional Legal Fees and Property Inspection immediately after homeowner refused coerced modification proposal in the amount of {$730.00}. Please identified legal fees, or pre-foreclosure fee , county filed, date, attorney, copy of legal document, all pertinent legal and public document pertaining to monies and fees accessed to the XXXX XXXX XXXX XXXX, Georgia Property. See attach. 
a. When foreclosure documents were filed in XXXX County by third party attorney fees were paid in XX/XX/XXXX to Nationstar, alias Cooper as well as re-instatements fees. PAID CASHIER CHECK TO NATIONSTAR DESIGNATED ATTORNEY. 
b. Lender is required to provide accountability to borrower. 

3. Request to remove ENTIRE escrow account from mortgage ; i.e. homeowner elects to be responsible to pay the tax liability and property insurance. 

4. HISTORY -- Receipt dates of mortgage Payments from XXXX to XXXX of account. 
HISTORY -- Total Amount of Mortgage Received from XXXX to XXXX of account. 
In other words, please supply Transaction History as Nationstar provided to online customers before as shown in DOCUMENT A, effective date, payment, amount, principle, interest,,,,,,,. Customer friendly!!!!! As noted, Document A, notes last online accepted webpage payment, XX/XX/XXXX & XX/XX/XXXX were rejected. 

Action Items : cancel PMI ; establish legal fees, cancel escrow, and request QWR. 
THE NINETY DAYS HAS SURPASSED WITHOUT COOPERS PROVIDING HOMEOWNERS REQUESTS, ADJUSTMENTS, CORRECTIONS, EXPLANATIONS, REDRESS, ACCOUNTABILITY, DOCUMENTS, TRANSCRIPTS, OR ANY TYPE OF PERTINENT RECORDS REGARDING LEGAL EXPEDITURES, PMI INSURANCE IS STILL BEING COLLECTED! 

Not only have they failed to oblige Homeowners but ACCESSED MORE UNIDENTIFIED LEGAL FEES, ..THESE UNKNOWN FEES ARE ADDED CONTINUOUSLY SO HOW CAN I KNOW WHAT MY CURRENT MONTHLY MORTGAGE WILL BE.THESE FEES ARE ADDED AFTER THE STATEMENTS ARE MADE. AND I WONDER WHETHER THEY ARE DONE INTENTIONALLY!!!! 
Terms of homeowners inquiry : 1. Automatic PMI termination reached 78 percent of original valued XX/XX/XXXX but still NATIONSTAR, alias Cooper continued to demand homeowner to pay to the present day the PMI! CANCEL PMI. REMOVE FROM PMI FROM ESCROW ACCOUNT TO REDUCE MONTHLY MORTGAGE, IMMEDIATELY! See attach. 


2. Nation Star accessed Legal Fees about XX/XX/XXXX in the amount of {$570.00} and additional Legal Fees and Property Inspection immediately after homeowner refused coerced modification proposal in the amount of {$730.00}. Please identified legal fees, or pre-foreclosure fee , county filed, date, attorney, copy of legal document, all pertinent legal and public document pertaining to monies and fees accessed to the XXXX XXXX XXXX XXXX, Georgia Property. See attach. 
a. When foreclosure documents were filed in XXXX County by third party attorney fees were paid in XX/XX/XXXX to Nationstar, alias Cooper as well as re-instatements fees. PAID CASHIER CHECK TO NATIONSTAR DESIGNATED ATTORNEY. 
b. Lender is required to provide accountability to borrower. 

3. Request to remove ENTIRE escrow account from mortgage ; i.e. homeowner elects to be responsible to pay the tax liability and property insurance.

4. HISTORY -- Receipt dates of mortgage Payments from XXXX to XXXX of account. 
HISTORY -- Total Amount of Mortgage Received from XXXX to XXXX of account. 
In other words, please supply Transaction History as Nationstar provided to online customers before as shown in DOCUMENT A, effective date, payment, amount, principle, interest,,,,,,,. Customer friendly!!!!! As noted, Document A, notes last online accepted webpage payment, XX/XX/XXXX & XX/XX/XXXX were rejected. 

Action Items : cancel PMI ; establish legal fees, cancel escrow, and request QWR.

THE NINETY DAYS HAS SURPASSED WITHOUT COOPERS PROVIDING HOMEOWNERS REQUESTS, ADJUSTMENTS, CORRECTIONS, EXPLANATIONS, REDRESS, ACCOUNTABILITY, DOCUMENTS, TRANSCRIPTS, OR ANY TYPE OF PERTINENT RECORDS REGARDING LEGAL EXPEDITURES, PMI INSURANCE IS STILL BEING COLLECTED! 

Not only have they failed to oblige Homeowners but ACCESSED MORE UNIDENTIFIED LEGAL FEES, ..THESE UNKNOWN FEES ARE ADDED CONTINUOUSLY SO HOW CAN I KNOW WHAT MY CURRENT MONTHLY MORTGAGE WILL BE.THESE FEES ARE ADDED AFTER THE STATEMENTS ARE MADE. AND I WONDER WHETHER THEY ARE DONE INTENTIONALLY!!!! 
Terms of homeowners inquiry : 1. Automatic PMI termination reached 78 percent of original valued XX/XX/XXXX but still NATIONSTAR, alias Cooper continued to demand homeowner to pay to the present day the PMI! CANCEL PMI. REMOVE FROM PMI FROM ESCROW ACCOUNT TO REDUCE MONTHLY MORTGAGE, IMMEDIATELY! See attach.

2. Nation Star accessed Legal Fees about XX/XX/XXXX in the amount of {$570.00} and additional Legal Fees and Property Inspection immediately after homeowner refused coerced modification proposal in the amount of {$730.00}. Please identified legal fees, or pre-foreclosure fee , county filed, date, attorney, copy of legal document, all pertinent legal and public document pertaining to monies and fees accessed to the Property. See attach. 
a. When foreclosure documents were filed in by third party attorney fees were paid in XX/XX/XXXX to Nationstar, alias Cooper as well as re-instatements fees. PAID CASHIER CHECK TO NATIONSTAR DESIGNATED ATTORNEY. 
b. Lender is required to provide accountability to borrower. 

3. Request to remove ENTIRE escrow account from mortgage ; i.e. homeowner elects to be responsible to pay the tax liability and property insurance.

4. HISTORY -- Receipt dates of mortgage Payments from XXXX to XXXX of account. 
HISTORY -- Total Amount of Mortgage Received from XXXX to XXXX of account. 
In other words, please supply Transaction History as Nationstar provided to online customers before as shown in DOCUMENT A, effective date, payment, amount, principle, interest,,,,,,,. Customer friendly!!!!! As noted, Document A, notes last online accepted webpage payment, XX/XX/XXXX & XX/XX/XXXX were rejected. 

Action Items : cancel PMI ; establish legal fees, cancel escrow, and request QWR. 
THE NINETY DAYS HAS SURPASSED WITHOUT COOPERS PROVIDING HOMEOWNERS REQUESTS, ADJUSTMENTS, CORRECTIONS, EXPLANATIONS, REDRESS, ACCOUNTABILITY, DOCUMENTS, TRANSCRIPTS, OR ANY TYPE OF PERTINENT RECORDS REGARDING LEGAL EXPEDITURES, PMI INSURANCE IS STILL BEING COLLECTED! 

Not only have they failed to oblige Homeowners but ACCESSED MORE UNIDENTIFIED LEGAL FEES, ..THESE UNKNOWN FEES ARE ADDED CONTINUOUSLY SO HOW CAN I KNOW WHAT MY CURRENT MONTHLY MORTGAGE WILL BE.THESE FEES ARE ADDED AFTER THE STATEMENTS ARE MADE. AND I WONDER WHETHER THEY ARE DONE INTENTIONALLY!!!!

Company response to consumer: Closed with explanation