Consumer complaint received 2024-03-29 00:00:00
Product: Mortgage — USDA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
Hello I have reached out to Mr. Cooper Mortgage several times to find out the status of our USDA loan modification. They are very vague in any information regarding my loan modification. They have sent me over 6 loan modification forms to sign and have notarized. Three of these forms were signed by me and my wife and notarized by our bank and every time they were declined due to a signature, or an improper stamp. Out of frustration, we used there free mobile notary service, of which, two were returned with some problem. The last notary that they sent came and took necessary signatures and made her notary stamp and we have not heard anything from the Mr. Cooper mortgage company as to the status of the loan modification, We have received calls from various people stating that they work for Mr. Cooper and they are either attempting to collect a debt or they are calling from the Modification department and telling us that we have to pay before the modification can go through. It also seems that the same company that is sending out the instructions for signing the modification forms is the same company trying to collect a debt ; XXXX XXXX XXXX, XXXX. ( see attachment below ) The whole idea of the modification is to put the forbearance monies onto the end of the current mortgage. We just feel as though the Mr. Cooper Mortgage company is setting us up for failure and from what I have read about Mr. Cooper Mortgage a.k.a. Nationstar company, this is their mode of operation to foreclose on properties. Whatever help to can give us would be greatly appreciated as we would like to stay in our house. Below you will find correspondence sent to the USDA to see if they could help us and they referred us to you, Thank you. 

Tue, XX/XX/XXXX, XXXX ( 2 days ago ) to XXXX Hello, My name is XXXX XXXX XXXX My loan was originated with XXXX XXXX  XXXX. My first mortgage payment was made on XX/XX/XXXX. Eventually, my mortgage was sold off to Mr. Cooper Mortgage. Due to the pandemic, we went into a forbearance plan with Mr. Cooper. After the forbearance ended in XXXX of XXXX and we were approved for a USDA loan modification, the Mr. Cooper corporation seems to be doing everything in their power to stop the USDA modification from going into effect. I have signed and mailed back the modification documents on at least 6 different occasions. They have all been returned due to something with a signature or notary mark, etc., I feel as though the Mr. Cooper corporation is trying to delay helping me to try and take or foreclose on my house. My loan number is XXXX. I am writing you because someone by the name of XXXX XXXX, supposedly from the Mr. Cooper Modification department called and stated, " If you don't pay your outstanding mortgage payments they are not going to approve your modification ''. I feel like something is wrong here. The modification is to help me pay my mortgage. I would appreciate any help you can give me in this matter. I also feel like the Mr. Cooper corporation is acting like a predatory lender at this point and I am a step away from contacting my attorney general. 

Thank you, XXXX XXXX XXXX Wed, XX/XX/XXXX, XXXX ( 1 day ago ) to me Hi, We can reach out to Mr. Cooper to ask them to review this for you. 



Also, here is a website that may be of assistance : Consumer Financial Protection Bureau ( consumerfinance.gov ) XXXX XXXX XXXX and Loan Analyst XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. | XXXX, XXXX XXXX XXXX www.rd.usda.gov

Company response to consumer: Closed with explanation