Consumer complaint received 2024-06-29
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Mr. Cooper Group Inc. (MN)

I am a victim of wrongful foreclosure. This property has been in my wifes family ( XXXX XXXX ) since XXXX. When my mother in law passed away we were approved for a VA loan to put the property in my name. I am XXXX XXXX XXXX XXXX veteran of the XXXX XXXX. XXXX is also XXXX and we live together in the house with her sister. We are facing eviction because we feel that our lender Mr. Cooper did a terrible job handling the servicing of our mortgage loan and did not keep us informed of options and deadlines and as a result we wound up facing a last minute sale date. We were told to submit information for review which we did. Then we were told sorry, the sale date is in less than XXXX  days so forget what we just said. Then a few days before our home went to foreclosure auction we got a letter from Mr. Cooper that someone decided that they WOULD review the information but they claimed that we did not provide information on the frequency of pay for my sisters XXXX job at University XXXX Minnesota. This did not make any sense because she is not a teacher, she is a full time nurse. So the letter said we were denied for incomplete application even though the missing information was a non-issue because she was not a teacher and was paid like any other regular employee. ( attached ) It seems like an example of Mr. Cooper playing dirty. Our home went to foreclosure auction on XX/XX/XXXX. We had turned things around financially a few months earlier and had resolved our financial hardship from XXXX and health issues. We are currently fighting eviction in court by the VA and at this time my wife and I are both XXXX and unable to move. We have a family member that is in the process of getting pre-approved for a mortgage loan so that our family can purchase the property back from the VA. If we are unable to work things out then we will be taking these arguments for wrongful foreclosure to court against Mr. Cooper. 

After serving in XXXX I went on to work for the XXXX for XXXX plus years. I retired in XXXX and receive pension and VA XXXX income. My wife worked for the state of Minnesota for many years and then became a full time caretaker for her mother in XXXX until she passed. She now receives XXXX due to issues with her back. Her sister XXXX lives with us and she is a registered nurse at University XXXX Minnesota XXXX, as well as receiving XXXX and a pension. We began struggling during XXXX when XXXX hours were cut and my wife began having issues with her back which led to increased medical bills as well as some major and necessary home repairs. We contacted Mr. Cooper about the situation and eventually were approved for the CARES forbearance for XXXX  months. After that ended they told us they would work with us to resolve the past due payments, but then everything went sideways. We were advised to use the online portal but this was difficult for us because we are not savvy with technology. We would think we had done things correctly then they would tell us we were denied because the information had not been received even though we tried to upload this. We kept sending in documents and their agents would say we are not going to start looking at this until we have everything and it seemed like their agents kept changing what was needed and it was hard to get everything in to their office. The whole process was very confusing and we spent over a year trying to get reviewed. When we finally got everything in we were told that it was too late because it was less than XXXX  days till the sale date. Then somehow they decided to review it a few days before the sale and came up with a questionable reason for not sending it in to the underwriter because of a so called issue regarding how many months a year a registered nurse gets paid. 

This is no way to treat XXXX veterans, it is no way to treat senior citizens and it is a sad story about corporate greed.