Consumer complaint received 2024-08-03
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Setting up an escrow account for taxes and insurance
Company: Mr. Cooper Group Inc. (NY)

Again Ive requested several times and sent a certified letter, asking for the original copy of my mortgage loan they are not sending me all the documentation of said original loan originated from Beneficial. They are not sending me explanations of said charhes on my billing statement, they keep changing the cost name from Deferred pmts to Lender paud expenses, they still keep adding interest and late fees on my maturity loan but they are the ones that have refused any further payments, They now are charging me Legal fees and letters that my home was referred to foreclosure process before they even, communicated back to my certified letter questioning all these charges theyve also added thousands of dollars on to now their saying Lender payed expenses on my last payoff? Which on my other statements said Deferred payments? They are constantly changing things. And this is totally confusing to me!! Which is it? Its either deferred payments or its Lender paid expenses? Im not understanding then? Or these charges that keep changing weekly? I also want to bring up that my original loan does not have an Eacrow account nor does it say that if Im late paying such taxes that they have a right to automatically change my original contract and add an Escrow account to it. The only thing it states is that if Im late ir default on my Home owners insurance or Hazardous insurance that they can take it up on themselves to put this in place and charge me for it. Which Ive always had insurance on my home and my taxes have always been payed regardless if its late paying them. This company thinks they have the right to change my original contract or charge me for things Ive never heard of? I just want my home payed off Im tired of all these charges on my loan that keep adding up while Im trying to get straight answers from them. Ive always paid my mortgage and now that its matured Im having all these problems with all these extra charges? I just want it payed off. I live on an limited income and they know it and I feel they are doing this for me to loose my home Ive paid on for the last XXXX yrs I didnt not have a variable interest rate nor did I have a XXXX Mortgage. So I dont understand how I have a current unpaid balance along with non interest bearing principal balance? They sent me a letter stating the differed payment amount was short interest? That makes no sense? Short interest on what? They never explain themselves? They also sent me an appraisal done by a computer and a few pictures from the bottom of my driveway of the side of my house the information on that so called appraisal is inaccurate. And has one date on it not multiple dates on where they say theyve been driving by my house to do inspections? Inspections on what? Theres no other proof of the charges they keep adding in to my matured balance. I want this to be investigated as XXXX not getting accurate information from XXXX XXXX  or National Star. I keep getting the run around I want answers and I deserve answers if Im being charged.