Consumer complaint received 2021-12-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
this is relations to the complaint that was closed XXXX XX/XX/XXXX XXXX XXXX this is ONE of MANY Root causes of this entire fiasco. They are saying that I didn't supply a signed 1040 and another 4056t which isn't true cause it was supplied in XXXX of XXXX. 
They say that they were trying to help and how is it helping when a 4506 t is USED TO REQUEST A XXXX MR COOPER XXXX PUT THAT IN THERE in XXXX  of XXXX so i did see they required me to supply something i already gave authorization to do moths ago and i send them a nice little email to the same person on this letter too tellign them im not supplying REDUNDANT INFO sosee MR COOPER that is how you stall and you know i was waiting for the cfpb process so don't act like you were helping Then you XXXX and XXXX saying in this letter that you " this time Mr. Cooper is only replying to XXXX XXXX XXXX in writing as a result of abusive emails and phone calls directed towards our staff '' ( i haven't talked on the phone with your company SINCE XX/XX/XXXX when you LOST MY approve trial MODIFCATION IN THE MAIL!!! ) HOW DARE YOU!!! MY WIFE IS DEAD and We suffered for years from your company ineptitude forcing foreclosure constant barrage of phone calls being transferred every which way being told XXXX etc and you turn this on me like I'm attacking you standing up for my rights when i come for help and you LOSE PAPERWORK FABRICATE EVERYTHING THEN put this on me like you're PROVIDING CHARITY and your hands are tied when you Blatantly XXXX XXXX XXXX asked ANY OTHER TIME EXCEPT WHEN THEY WERE WRONG IN XXXX of XXXX about a signed 1040 all modifications prior only requested a 4056t and it was good so what changed and why wasn't my authorization to obtain my income tax records not sufficient I didn't provide another 1040 because MR COOPER had a SIGNED 4056t already so what redundancy are you talking about are you talking about you changing the terms o a modification without letting me know or asking for information you already have cause i see where MR COOPER conveniently takes liberty and recognizes docs when they want them and it suits their legal threshold but when they are at FAULT they say they have a modification on file for me ( even though im complaining on the original mod they messed up on in XX/XX/XXXX ) SO since you're offering me another modification for more interest thus giving you more money that's that but then i send it on time and you drop the ball nothing to see here I SHOULD HAVE BEEN APPROVED XX/XX/XXXX AND JUST LIKE I STATED IN PRIOR this is your tactic to exhaust people and force them into foreclosure with lies from your lack for service and you going to take this personal??? 

YOURE one of the largest servicers in the nation and its your job to service this loan appropriately and when documents are received you need to do your job and you didn't and the balance is almost XXXX XXXX XXXX and im at the brink so I APOLOGIZE if im not civil to you. YOU HAVE LIED AND CAUSED SO MUCH PAIN SO I APLOLOGIZE I EMAIL YOU AND COMPLAIN AND CALL U NAMES AND INSULT YOUR CREDENTIALS but i never did anything criminal or anything uncommon that would warrant you to defame my character like im a problem and you are a innocent party. if you wanted me to provide you more redundant info with a signed 1040 it was never explained vis disclosure and MR COOPER KNOWS I was adamant all documents were sent on time yet they sent documents out of sequence with missing information or mismatch years on to get out of being liable for negligence and dereliction of duty FOR YEARS MR COOPER HAS BEEN ALL ABOUT FORCLOUSRE EVEN WHEN I TALKED TO YOU NICE PLEASE STOP PLAYING LIKE A VICTIM AND BE HONEST FOR ONCE. YOU MESSED UP EVEN BACK THEN AND PLACED BLAME ON ME IM THANKFUL FOR A PANDEMIC CAUSE I WOULD HAVE BEEN ON THE STREET!!! 



YOU clearly see in this email Years ago i wanted to know about a ACT 91 ( that i never got or never understood it ) don't you notice like i was so confused and scared and nobody HELPED AT ALL!!! MR COOPER PLEASE STOP LYING!! 
had i been able to make a informed decision i would have had this handled with the ACT 91 at the very beginning How many times DID I call in for that HOW MANY MR COOPER???? 

SO YES MR COOPER YOU ARE A PREDATOR you changed the terms of the modification only to suit your purpose, You called on the phone even thought i told you for more than a year not to call me, You have and third party terrorize my home with notes under the door or knocks like their law enforcement you make defaming comments about me to regulatory authorities that aren't true and you lose documents and cause unnecessary interest to incur on a loan you also change the terms of important dead lines you use words purposefully like charity or no response when you know in fact I have told you I HAVE money to pay my mortgage and that I'm not trying to get out of paying but after LOSING so much you have to give too and do the right thing you claim im unresponsive and you know its a lie i email you every time when i see a error to which you DO NOT REPLY TO ME BUT YOU REPLY TO REGULATORY AUTORITIES TO REMAIN COMPLIANT. All facts I apologize for saying personal things about the chief compliance officer and anyone else associated with the emails but this is after multiple PATTERNS of abominable service and conduct of your tenants MR COOPER SHAME ON YOU!!!!!!

Company response to consumer: Closed with explanation