Consumer complaint received 2022-12-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (FL)

RightPath Servicing has fraudulently assessed my monthly mortgage payment, claiming my insurance expired, which it did not. 
RightPath servicing engaged in deliberate deception by first claiming my insurance expired, then claiming I needed to purchase Hazard Insurance, then it was, XXXXXXXX XXXX XXXXXXXX XXXX, then they changed it to, As XXXX XXXX then back to XXXXXXXX XXXX XXXXXXXX XXXX and adding a new term, XXXX XXXX XXXX 

In a letter dated XX/XX/XXXX RightPath servicing claimed this letter was Final Notice that if I didnt purchase Hazard Insurance they would purchase this insurance on my behalf and assess me for it. 

My insurance agent could not decipher what RightPath servicing was claiming to be requiring, due to RightPath servicing using five ( 5 ) different references, XXXX XXXX XXXX, Hazard Insurance, XXXX XXXX XXXX XXXX  In insurance. These are different terms and mean different things in regards to insurance. 
Finally, a letter dated XXXX from RightPath servicing, claiming to have purchased an XXXX Insurance policy on my behalf and expecting me to pay for said insurance policy, made it clear, for the first time, they were requiring an XXXX policy, an insurance policy I had never heard of or had been required to carry in the past. 
RightPath servicing is claiming to have purchased a backdated insurance policy on my behalf and is expecting me to pay for this policy, backdated to XX/XX/XXXX. 
Once RightPath servicing was no longer being deceptive with their insurance requirement, I immediately purchased what they claimed to have purchased on my behalf, a XXXX policy. 

RightPath Servicing has a very disturbing history, in regards to fraudulent practices with their mortgage servicing and the guilty findings by numerous government agencies. As you can see here, their fraudulent practice continues. 

RightPath Servicing is the latest mortgage servicing brand of Nationstar, LLC, a troubled mortgage servicing company. 
The Nationstar family of companies, including their most recent dba, Mr. Cooper has a long history of consumer violations and government settlements. In total, since XXXX, the Nationstar companies have had to settle with regulators 18 times, with financial settlements totaling over {$150.00} XXXX. 


Nationstar Mortgage, LLC, the original company, founded in XXXX as XXXX XXXX XXXX, has a very troubled past. Since XXXX, they have been repeatedly investigated by local, state and federal agencies for their mortgage servicing violations. 
Beginning in XXXX, they were sanctioned by both the Arizona and Kentucky Department of Financial Institutions for consumer violations. That was followed up by sanctions in XXXX in Washington State and in XXXX in Rhode Island. 
In XXXX Nationstar purchased Seterus , Inc., another mortgage servicer with a litany of problems with regulators. 

Nationstars troubles didnt end with the Mr. Cooper rebrand. 
In XXXX, Mr. Cooper settled with the XXXX XXXX for {>= $1,000,000} for violations of consumer protections. Then, in XXXX Mr. Cooper settled with the Maryland Attorney General for {$760000.00}. Finally, in XXXX, Mr. Cooper settled with the CFPB and all of the state Attorney Generals for over {>= $1,000,000} for consumer violations during the pandemic. 
Most recently, in XXXX, during the pandemic, Nationstar dba Mr. Cooper, agreed to a {$91.00} XXXX settlement for mishandling foreclosures and borrowers payments. The settlement was seen as a warning to mortgage loan servicers against preying on borrowers during the pandemic. 
The CFPB complaint stated that Nationstar failed to identify requests for loan modifications, and foreclosed on homeowners while they were in a loan modification review. In addition, it was alleged that the improperly increased borrowers payments, misrepresented when homeowners could cancel their mortgage insurance premiums, and failed to forward real estate tax payments from escrow accounts in a timely manner. 
Given this massive settlement, it is not surprising to learn that Nationstar Mortgage dba Mr. Cooper is now doing business as RightPath Servicing.