Consumer complaint received 2021-12-03
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (OK)

In XXXX of 2018 my wife and I closed with a morgage from Nationstar and agreed to terms of morgage. Our first payment wasnt until a month or two out and we paid early so that we would be onto a good start. I remember my wife calling because pay day was a few days off and told that would be ok. We got a letter saying MR. Cooper would take over and to wait until we spoke to them to get it set up. From the beginning we were already in more debt than it should be because of the orininal month deferment that was agreed on was added to our bill. Also no money we had paid got transfered to Mr. Cooper so when we got our first bill it was 3 times our monthy morgage plus fees. I tried to get things strengtened out but Mr. Cooper did not honor our XXXX bi weekly agreement and said we have to pay in full every month. Also they were already making threats about non payment and default for a company I did not sign our contract with. They would send letter saying nice little things like Cooper is here for you or to help! I spent many of hours and waiting for call backs and being tossed around and lied to saying that someone who can figure it out would call. Finally I got the bank and a lady who did verify that some went thru but never got payments or was given the deferment so we didnt have to rush to pay until XXXX was over to help our family. I contacted HUD because our pay agreement and was told they could get councelors to helo sort thru the mess so we wouldnt get forclosed on due to matters out of our control. We were told by mr cooper to not pay on our loans because they wouldnt take it due to waiting on their investigation. Months out we got the same news and HUD said to appeal while we went through the same run around and being passive agressive with what I already sent to HUD and proof to help get our appeal thru. With my wife and our new born child and then health issues caused me to take FMLA leave from my job caused me getting fired and not getting any help with our situation. Dates to go to court came but I was told my news from the appeal and HuD will be in and I would be able to have some proof before they forclosed. Nothing came in and weather pushed court dates out, i missed mine and never had the hud paper work at least to prove. I did go up and want to contest the sale but it was to late and we were rushed out before i found out we had an extention to stay at our home by the new buyer who said he would give keys for cash, and considering we were homeless rushed to do right and never saw a penny. Not even finalized people pushed us out and to top it off Covid was spreading and we couldnt get anyone to help like unemployment, hud, or any other right i had violated like FMLA beacuse everything is shut down. We are just now receiving notices from the XXXX XXXX for classes we did to help with our down payment because my wife amd I cosigned but she is the tribal member. Im now trying to get my permenant XXXX and done everything to keep my wife and XXXX kids together and healthy. Im hoping at least to salvage some of our credit due to this. Financially I have been ruined and when someone does right, unfortunate events happen so many times that when I for once in my life multiple organizations to step in and do justice, we just were tossed to the wolves and into a pandemic.