Consumer complaint received 2024-07-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: OK

Complaint narrative:
THIS IS NOT A DUPLICATIVE COMPLAINT - ERROR IS PROVEN BY BANK STATEMENT PROVING PROOF OF PAYMENT OF A REVERSED PAYMENT THAT CAUSED NATIONSTAR TO INACCURATELY APPLY EACH OF MY PAYMENTS TO THEM XXXX MONTH IN ARREARS. _______________________________________ On XX/XX/XXXX, the CFPB uploaded a Nationstar XX/XX/XXXX mailed Response to complaint # XXXX that claims XXXX XXXX nor Nationstar ever saw the XXXX Payment History nor my bank statement proving my claim. This will serve as the fifth time since XX/XX/XXXX that I have produced my clear proof of claim, and serves as a direct dispute and claim of false claims made by XXXX Mail by XXXX XXXX XXXX XXXX XXXX ' XXXX XXXX made to avoid Nationstar 's mandated obligation to make necessary account correction to inherently inaccurate payment allocation that causes false information about my payment history to be continued from XXXX to the entire life of Nationstars loan history for the above noted loan number. _______________________________________ On XX/XX/XXXX, I paid XXXX {$2800.00} that included payment for XX/XX/XXXX in the amount of {$1400.00}. This entire payment had sufficient funds and cleared my bank as attached XX/XX/XXXX. At no point did my bank issue a partial return, as this is not any bank 's policy when a payment is made with sufficient funds. Nationstar has received evidence of XXXX internal error XXXX weeks later reversing the loan payment 's credit for XX/XX/XXXX on XX/XX/XXXX, after the XX/XX/XXXX payment for XXXX was fully credited to my loan, clearing my bank with sufficient funds. __________________________________ XXXX 's loan payment made with the XXXX loan payment made XX/XX/XXXX was credited a second time as the XX/XX/XXXX loan payment and so on until XX/XX/XXXX claiming my XXXX payment was made for XX/XX/XXXX and my XX/XX/XXXX payment for XXXX was only credited for XXXX, and Nationstar claimed my XX/XX/XXXX payment was for XXXX not XXXX and so on until my XX/XX/XXXX payment for XXXX was claimed by Nationstar after a servicing transfer between XXXX  and Nationstar as the XXXX payment causing me to incur a premature acceleration of my loan XX/XX/XXXX when there were no late payments ever made to Nationstar, but for the XX/XX/XXXX payment Nationstar then refused to take due to acceleration. _________________________________ I did not know that XXXX XXXX XXXX credit reporting was inaccurate until XX/XX/XXXX in the amount of 30-day late payments reported and inaccurate 60- and 90-day late payments reported about me. I did NOT ever claim I had trouble with XXXX credit reporting before the transfer because I had not run my credit report between XX/XX/XXXX and XX/XX/XXXX when I disputed XXXX leaving their loan open, then they fixed it by closing the loan and reporting it as transferred/sold to Nationstar, backdating the loans status as reported XX/XX/XXXX. ________________________________ This claim in paragraph 2 of Nationstars response is a wilfully made false statement and I never complained about XXXX payment history reporting except for in XX/XX/XXXX to anyone, as XXXX XXXX fails to state who I made this claim to, because it certainly wasnt made by me to him or anyone else. ___________ Nationstar did know or had reason to believe a reversed payment claimed by the prior servicer was in question in XXXX as the direct cause of false claims of the amount of deferred late fees due of me to Nationstar. ___________ I questioned the XXXX  deferred charge of 44 30-day or more late fees in XXXX and XXXX, and was assured by Nationstar this amount was confirmed by XXXX to be accurate when Nationstar never noticed XXXX at all of my XXXX XXXX. ___________________ From XXXX to XXXX, XXXX XXXX XXXX policy was to not have agents take calls, or respond to written requests for older transferred loans at all, preventing me from accessing my transaction history. In XX/XX/XXXX, XXXX claims the certification of transfer legally bound Nationstar to take necessary corrective action. I sought strict proof of claims of XXXX deferred late fees from Nationstar, who had the XXXX transaction history in their possession and they ignored my requests made through properly made and timely XXXX. ____________________________ The counsel denying my claims of strict proof of error made with XXXX transaction history and my bank statement proving sufficient funds cleared my XX/XX/XXXX payment is lying, and ignoring strict proof to achieve lack of necessary required corrective action by Nationstar. ______________________________________________ In XXXX XXXX this same counsel claimed if a payment history was required to be produced under my Motion to Compel it would prove no claim for which relief could be granted, and my motion was ruled moot, after undue influence of the Court, as the face of the XXXX transaction proves on the date of XX/XX/XXXX that directly caused inaccurate payment allocation of all of my payments including those made to Nationstar to be allocated XXXX month in arrears causing an outrageous amount of deferred late fees to be charged and collected by Nationstar. __________________________________________________ The XXXX  error in payment allocation of a never returned reversed payment credit was transferred to and continued by Nationstar and this is XXXX problem with BoA not with me. In XXXX, XXXX was paid XX/XX/XXXX, XXXX was paid XX/XX/XXXX, XXXX was paid XX/XX/XXXX, XXXX was paid XX/XX/XXXX, and XXXX was paid XX/XX/XXXX and XXXX was not made because Nationstar refused to take a monthly installment because of premature acceleration. ______________________________________ This XXXX and then Nationstar error directly caused an unlawful premature acceleration of my overstated principal debt and interest, and over collection of escrow to occur on XX/XX/XXXX allowing for unearned lender fees of almost {$2000.00} along with unearned deferred late fees of {$2500.00}, when I had XXXX late payments warranting a 30 days reporting at any credit bureau or on a verification of mortgage from XXXX to XX/XX/XXXX, causing current reporting of false claims of late payment to be reported by Nationstar reported XX/XX/XXXX that were not 30 days late from XXXX to XX/XX/XXXX but neither were the future payments, because the loans principal debt was prematurely accelerated and no loan payments were allowed to be made per Nationstar. _____________________________________________________ I dispute this Counsels response as false and this response is frivolous made to avoid corrective action without any evidence that I ever knew before XX/XX/XXXX about inaccurate credit reporting by XXXX and Nationstar based on a fraudulent claim my XX/XX/XXXX loan payment was reversed for non sufficient funds that Nationstar never disclosed to me as cause for their companys inaccurate payment allocation and fraudulent information furnishing to credit bureaus. _____________________________________________________ Because my claim is clear with proof of my claim existing in a XXXX XXXX XXXX bank statement showing I had sufficient funds to pay for and that XXXX XXXX XXXXXXXX accepted {$2800.00} XX/XX/XXXX, with part of the funds collected still crediting payment for a double billed XXXX annual loan premium of {$1400.00}, my claim that I did not owe Nationstar for XXXX late fees charged by XXXX because I didnt have XXXX late payments to warrant such an obnoxious outrageous amount stands, and Nationstars counsel has provided no evidence that I am mistaken or wrong about this clear claim that defames my payment history for my last known mortgage account with Nationstar XXXX __________________________________ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX _____________________________________________________ See attached clear evidence provided to XXXXXXXX XXXX and Nationstar in the form of proof of payment of XX/XX/XXXX payment of {$2800.00} that included payment for escrow of {$1400.00} and {$1400.00} each credited on XX/XX/XXXX and clearing my bank with sufficient funds XX/XX/XXXX. There is no such policy for a bank to partially reverse a sufficiently paid and cleared payment for the reason stated as for non sufficient funds that is clearly an error and requires corrective action by both servicers regardless of what XXXX XXXX XXXX is not existent or required by his client, Nationstar Mortgage LLC dba Mr. Cooper. _________________________________________ See page 10 attached on XX/XX/XXXX for erroneous payment credit reversal with no other 30 day or more late payments recorded by XXXX prior to the XX/XX/XXXX payment. XX/XX/XXXX was made and credited XX/XX/XXXX. This XX/XX/XXXX payment was never returned by any bank to XXXX XXXX XXXX XXXX XXXX. ______________________________________ Per Fee Activity from XXXX, XXXX reversed its unearned return payment charge never disclosed to me of this charge description, in the amount of {$25.00} on XX/XX/XXXX to which I was unaware of at the time of transfer without any refund by XXXX nor refund or disclosure of this charge provided to me by Nationstar on or after XXXX action on XX/XX/XXXX.

Company response to consumer: Closed with explanation