Consumer complaint received 2021-09-26
Company: Mr. Cooper Group Inc.
State: ID
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Nationstar D/B/A Mr. Cooper worked with a now defunct agency ( XXXX XXXX XXXX XXXX XXXXXXXX ) on my behalf to refinance my home loan. XXXX was under an XXXX era support system for home owners needing assistance with mortgage refinancing. Nationstar and XXXX worked out a refinance for my property to reduce my monthly payments. Nationstar added 45 years to my mortgage, this was not brought out or highlighted in the paperwork at the time. I signed the documents at the suggestion of XXXX and sent it to Nationstar. XXXX said that all previous payments to the original mortgage would be included in the refinance and that the loan would go forward from that point. 
This was a fixed rate mortgage at 3.375 %, Nationstar changed the payment rate without notifying me causing my payments of {$590.00} to be lower than the new rate of {$640.00}. Nationstar did not notify me of any changes and that they had stopped taking my payments as they were only partial payments. This happened in XXXX of XXXX. In XXXX of XXXX Nationstar increased my interest rate from 3.375 % to 3.500 % again without any notification. During this time, they had begun foreclosure proceedings without any notifications. The first indication I had that the house was in foreclosure was when I was served with the court documents indicating that there was a sale date for my home. 
I contacted Nationstar and they informed me that I hadnt been notified because they had a cease-and-desist order from XXXX. Both they ( Nationstar ) and I had stopped dealing with XXXX in XXXX when the refinance was completed. I tried to contact XXXX both by phone and email, but there was no longer any trace of the group. Any correspondence Nationstar had sent to XXXX would have been sent back to them and should have been an indicator that something was wrong. I had to send Nationstar a letter indicating that XXXX was no longer in business and that they needed to start dealing with me for all correspondence. When they started to deal with me is when I found that they had made the changes mentioned earlier. 
I had to deal with their attorney XXXX XXXX XXXX ) who wanted {$8300.00} to reinstate my loan. This included the Total Payments Due of {$3900.00}, Late Charges of {$100.00}, Deferred Late Charges of {$92.00}, Escrow Advance of {$1000.00}, Recoverable Advance Balance of {$2200.00}, Outstanding Attorney Fees and Costs of {$300.00} and Next Payment Due of {$590.00}. These figures were from an email dated XX/XX/XXXX. The Next Payment Due of {$590.00} was the corrected amount after the interest and mortgage rates were returned back to the correct values from the refinance. The Total Payments Due of {$3900.00} was calculated from the incorrect interest and payment rates and should have been {$2500.00}. I consulted an attorney and their estimate of the fees should have been Total Payments Due of {$2500.00}, Late Charges of {$0.00}, Deferred Late Charges of {$0.00}, Escrow Advance of {$1000.00}, Recoverable Advance Balance of {$0.00}, Outstanding Attorney Fees and Costs of {$300.00} and Next Payment Due of {$590.00} for a Total of {$4500.00}. This is an over charge of {$3700.00}. I had to pay the full amount with some of it deferred to payments to Nationstar. 
When I was following up with the XXXX XXXX clerk about the foreclosure, I found that Nationstar had never filed the refinance documents with the county and as far as I know they never signed them. 
In summation, my complaint is that Nationstar D/B/A Mr. Cooper caused me great XXXX anguish and stress with their attempted foreclosure of my home. They did not disclose that my 30-year loan was suddenly turned into a 75-year loan. And that they, Nationstar, did not file the appropriate documents with my county of residence. 
I have seen that there has been a financial settlement and I would like to know if I am due any recompence for my mental and physical anguish caused by XXXX handling of my account. My physical health has improved since I am no longer as concerned with the immediate foreclosure of my home. I still receive letters, texts and calls from real estate investors regarding the foreclosure. 
Documentation is available for the above claims.

Company response to consumer: Closed with explanation