Consumer complaint received 2024-02-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
This all started when we recieved a Notice from Mr. Cooper that they preformed an " unscheduled '' Escrow Analysis on XX/XX/year> that was based on false and misleading information to wit ; an alleged XXXX XXXX Property Tax Assessment of an alleged {$6200.00}. This was false because as of XX/XX/year> ; XXXX XXXX had not sent out Tax Assessments and/or finalized the Tax Assessments. As a result of this Mr. Cooper took it upon themselves to raise our monthly payment to over {$2700.00} and creating an Escrow Shortsge of some {$2200.00}. This entire Escrow Analysis was based on conjecture and not on any actual statement of fact or an actual bill from the XXXX XXXX Tax Assessor. I contacted Mr. Cooper and advised them that this was an error and that we could not pay a {$2700.00} monthly mortgage payment and that I had checked and our actual XXXX XXXX Property Taxes were in fact around {$3800.00} not {$6200.00} as the Escrow Analysis claimed. 
If that was not enough Mr. Cooper then proceeded to send out a payment of {$5300.00} on XX/XX/year> to XXXX XXXX even though Mr. Cooper had been informed via letter some 2 months prior that XXXX since was leaving Florida and would no longer provide insurance in Florida. I even called Mr. Cooper to advise them that we were looking for new Homeowners Insursnce because XXXX was leaving. 
Once again. Mr. Copper then scheduled yet " another " Escrow Analysis for XXXX of XXXX. 
As I has stated due directly to Mr. Coopers false inflation of our XXXX XXXX Tax bill and subsequent Escrow Analysis resulting in our oayment going up to {$2700.00} per month we were unable to afford our Mortgage. Then when the XXXX Escrow Analysis was done they finally corrected the Tax Bill to what it actually was but now they replaced that with the payment they sent to XXXX which again resulted in our Mortgage Payment going up to some {$2400.00} which we could not afford to pay either anf Mr. Cooper made no attempt to correct or help us in any way even though it was their actions that caused the circumstance. 
I then submitted a request for a Loan Modification however Mr. Cooper ignored the request until XXXX when I borrowed {$15000.00} and then as soon as I sent those funds to Mr. Cooper they suddenly granted the Loan Modification so I called and asked if the {$15000.00} payment would affect the Loan Modification and was told it would not so I informed the lady that I would be canceling the payment and giving the money back. Shortly after speaking with the representative I got a Notice from Mr. Cooper saying that because we hadn't signed the Loan Modification documents in a timely manner the Loan Modification was now denied, yet they had not even sent any documents for our signature and we didn't reciev any documents until a week " after '' they had denied the Modification for our not signing the documents in a timely manner. 
Our situation has been crested in uts entirety by the actions of Mr. Cooper anf Mr. Cooper alone from using false information to raise our mortgage payment to sending funds to Companies they new were leaving the State and then holding us liable gor their actions. I feel they are doing their utmost to create a default where none would exist had they done their job.

Company response to consumer: Closed with explanation