Consumer complaint received 2021-03-31
Company: Mr. Cooper Group Inc.
State: AR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Dear Sir, Madam : It appears that Mr. cooper is still not accepting the fact that they should not be paying my real estate tax and charging me and additional amount for this violation. The attachment below is proof that an investigation is underway ; and the high fraudulent escrow charges I have had to pay to them, and am still paying will be added into the collected payment they may never repay. I can not afford to keep paying for their misbehaviour. I am asking your company to intervein and determine what justification they can provide you to prove their right to the high escrow charges on my home mortgage account. A 30 yr. fixed rate rural home acct. XXXX is up XXXX. In the last year and over the past 12 months, I have paid XXXX, XXXX, and up to XXXX in a single month just to satisfy their billing statements and aggressive demand for payment. knowing i was 30, or 60 days late, and have a fixed monthly late fee of only XXXX per mo. With over 14 months of payment to them, them reporting on my ( XXXX, and XXXX ) XXXX proves posted errors in balance owed. i was charged a XXXX fee for bank overdraft charge last XXXX that never occur. i can provide the proof on that. Their reporting of excess principal balances and to date current overpayment should not be posted to the account ; instead, I have asked them to specifically return any overpayment to me, or post it to the tax account that was wrongfully paid, or even bring down a high escrow account. I have tried to do all i could to understand and lower, or even remove their charges spread over 12 months. this month, i was billed a balanced of XXXX that is on escrow. This proves it will be overpaid this month ; as they are asking XXXX onto the fixed XXXX i am required to pay. The question is why this much? when XXXX transferred my mortg. in XXXX, their highest escrow was XXXX this account appears to be spread over 24 months. How is this possible? I have letters from them to prove they want to know if I can provide proof of my mortgage insurance. How can I? They haven't even sent me a declaration page of their paid mortg. ins. securing the mortgage since they have chosen to enforce it ; nor, have they submitted to me a letter ascertaining that my taxes were not paid before they would, they just asked for it at the collector 's office, and paid it over the last two years with no warning. I have never been late in paying my REAL ESTATE TAX. 
I am asking your investigation in this matter. it is added into my escrow fraudulently. 
The total balance owed to date, and the amount posted to late charges are fixed over the fixed 365 days of each year on my account. Their reporting to the credit agencies reflect errors. Please verify. An amortization of my fixed payments over the years projected accordingly is showing payments that would proved they have deliberately omitted to report to the agencies. I did not take a modification. they have provided the proof that i did not. and they are charging me excessively more than i have ever had to pay any servicer. This is the same fixed morgage account i had reported to your offices when it was serviced by XXXX, which was absorbed by them. XXXX XXXX suggested that I put this in writing to you. and mail them a copy. 

Respectfully. 
XXXX XXXX XXXX H C:XXXX Nationstar Mortgage XXXX XXXX D/B/A Mr. Cooper XX/XX/XXXX Arkansas Securities Commissioner , XXXX XXXX XXXX , issues a press release regarding his approval of a multistate Settlement Agreement and Consent Order with Nationstar Mortgage XXXX XXXX XXXX Mr. Cooper a mortgage originator and servicer, for violations of the Arkansas Fair Mortgage Lending Act and Rules. The multistate settlement will assist borrowers harmed by Mr. Cooper due to residential mortgage origination and servicing-related violations. 

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Company response to consumer: Closed with explanation