Consumer complaint received 2017-06-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (FL)

Became late when auto draft did not clear payment. Called Aurora Loan Services, asked to pay two payments, told absoluteley not, payment would be returned, must be placed in payment arrange-ment. Did not ask for this. Provided financial information, placed in forebearance agreement. Complied with requests for ( 4 ) forebear-ance agreements with XXXX XXXX payments. Each time sent back as not approved due to time, a line not initialed, something. Forms sent to us the day before they were due. Finally in the final ( 4 ) forebearance, payments accepted and all loan modification paperwork sent repeatedly ( lost by bank ). Then XXXX XXXX XXXX 's office representing Aurora LS, who started the robo signing, false signatures, fraud, fabrication of documents problem in Florida and the Nation, set a date for Summary Judgement in court. I contacted his office and Aurora LS to be sure they were aware we were in a workout/loan mod review. They ( the bank and XXXX XXXX XXXX 's office ) both agreed we were not in danger of foreclosure and it was not necessary for me to attend the court date as it would be pushed forward to wait for the loan modification. I did attend the court date and they asked for summary judgement, did not mention they had advised me by email and phone call the morning of the court hearing that it would be postponed. The Judge saw my email, asked the attorney appearing for Aurora LS if they had this email and they finally admitted they did have that email. The Judge asked for mediation and it to be handled out of court. After a year and a half of trying to deal with the bank I obtained an attorney and he obtained a true loan modfication ( not a trial ) in 24 hours from Aurora after he explained the many problems within our mortgage, and asked for a Qualified Written Request. The court ordered mediation was cancelled because we had come to an agreement with the bank. We paid the trial payment and the 1st payment as requested and returned all documentation to Aurora LS by XXXX tracked mail. They did not return the loan modification or payment instructions. When we inquired ( our attorney ) they said it was still in process. Then Nationstar aquired Aurora loans and we were not notified until much later. I had mailed payments to the Aurora LS office as instructed by our attorney and the customer service staff, they were never returned through my bank. Nationstar when I inquired, told me our Loan Modification was not honored. Through a company XXXX XXXX XXXX in XXXX XXXX NY we asked for Qualified Written Request two times, the bank did not respond. We went to court with Nationstar/Aurora they change who is the plaintiff, and asked for dismissal due to the many problems and provided them with line items of deficiencies. They disposed my husband and I for four hours and asked to not have their witness disposed at this time ( avoided ) until solutions could be discussed. They later offered another loan modification and we had a family tragedy and were unable to respond. We made them aware. When I did provide then with our loan modification documentation, they said any action by Nationstar would be postponed until the loan modification was reviewed. We filed a motion to continue until the loan modification was reviewed, even though they had set a court date. They ( XXXX, XXXX, and XXXX of XXXX XXXX, Fl. ) advised they were also asking for a continuance at the request of Nationstar. We were foreclosed on XXXX XXXX, 2017. We have sent a list of grievances to all of the agencies recommended by our Mortgage Examiner. There are enumerous problems to possibly include appraisal fraud, reverse engineered amounts to make mortgage amount possible, advised we could change from interest only 8 % percent loan to conventional principle and interest loan when we objected. And they do not have the correct parcel number for this property. We have always paid the taxes for this property although they escrow them. We did this to prevent a tax sale and advised them they were paying wrong tax. They force placed insurance while we had coverage. Would not change it when we informed them. Our assignment of mortgage from XXXX to Aurora appears to be robo-signed and back dated. We have depositions from XXXX XXXX XXXX XXXX staff who stated under oath that they signed documents fraudulently and fabricated documents that did not exist. Our mortgage has an allonge that was added to the document later. We have spent {$20000.00} trying to remain in our home that is valued at {$120000.00} and they show a balance of XXXX. We have never been provided with an outline of what charges were added on.