Consumer complaint received 2020-01-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
1. When I Filed my paperwork for modification initially with this company it was concise and within the guidelines to be considered for hardship.

2. Due to those facts it was given consideration for an extension with your company to supply the information once again.

3. You claimed the IRS indicated my document was illegible and I was required to resubmit the information again but the document that I utilized is written and also in computer font as well and the documents were sent to your company on time and agreed on.

4. You rightfully deny my modification a third time because now my delinquency is high and other things are taken inconsideration such as is the applicant working etc which is later used to substantiated the rational of not modifying the loan.

5. The shear disregard of fair process and to gloss over it with cookie cutter legal rhetoric that appeases liability concerns yet allows the situation to snowball isn't responsible. So yes your company has supplied the necessary required legal jargon to supplant any oversite but you have neglected to fix the root cause of why im in this position. 

6. When I supplied your company with information for my asset liability assessment for modification consideration I misinterpreted and inputted my child support information when it wasn't necessary since its not being paid and I supplied proof but your company doesn't have this information for some reason.

7. I tell your company I essential have zero debt besides the property and my only expenses is a cell phone bill ( not in my name but needs to be paid nonetheless ) XXXX gas which is subsidized XXXX electricity XXXX car insurance XXXX. Those are all of my expenses since my wife who is XXXX is waiting on XXXX and I TOLD YOU THIS NUMEROUS TIMES. I'm COMPLETLEY FLABERGASTED THAT YOUD COME UP WITH A PHANTOM XXXX XXXX dollar expense out of nowhere and site some alphabet as your source of information?!?!? I know what I pay and I know what I spend and I'm tired of playing around in this semantic alphabetical whirlwind to save my home and move on with my life.

8. Its completely disingenuous to attack me underhandedly by blatantly circumventing the process you advertise to help distressed consumers and supply me with hollow rhetoric like you want to help when I complain because XXXX Knows what I'm talking about and she answers your phones every single day and im certain the employees within your escalations department know as well. So your attorneys in your legal department and senior leadership aren't the ones responsible the ones who violated me are the ones who are in you're front lines. 

9. You REFUSE to acknowledge your wrongdoing and tactics and the angst and hardship you have caused with your miscommunications 10. EVEN WITH ALL YOUR VOODO MATH MY CURRENT INCOME POTENITAL IS XXXX so that's approx. XXXX gross to be fair to you guys okay XXXX XXXX which equates to XXXX so I included your BOGUS amount for XXXX XXXX money that you tabulated erroneously and even gave a generous payment of XXXX principle payment monthly and for kicks included your phantom XXXX bogus discretionary you said that I spend for WHATEVER reason still leaves XXXX annually SO I REFUTE your company 's assessment of my finances because they aren't reflective of my income but lets go even further say if its the gross your assessed at XXXX I still have enough to pay and survive until my wife gets her XXXX. 


11. YOu aren't seriously trying to help anyone but yourself. I talked to my advocate XXXX XXXX with the XXXX  XXXX XXXX XXXX XXXX XXXX ext XXXX and she told me that this was very unreasonable that you aren't working with me and that I have the income to stay in my home and to get into a program. XX/XX/2020 She called your company on my behalf and indicated to me that you guys informed her that you were working with me to resolve my issue and ONCE again I thought there was a solution. Cause the letter I seen on the XXXX is similar to every correspondence ive gotten since the very beginning and its the precursor to the end and me on the street 12. I show you proof of my income increase XX/XX/XXXX and it was emailed to your XXXX  XXXX XXXX but yet again you company used old information and inaccurate information to respond to the prior complaints and it had nothing to do with the present situation but you were able to fulfill a deadline with a oversight body 13. YOUR COMPANY LIES AND DECIEVES and blatantly breaks Pennsylvania laws. There is a program that I would be able to apply for and prevent foreclosure and the interest from accumulating provided that a ACT 91 notice is provided and I've requested and requested for this notice and this was never been supplied and it was supposed to be given after 90 days im approaching close to 280 days I believe WHERES MY LETTER.

Company response to consumer: Closed with explanation