Consumer complaint received 2024-04-02 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
CFPB... .PLEASE READ AND LISTEN TO THIS INFORMATION. IT IS YOUR RESPONSIBILITY TO BE SURE THE RESPA RULES ARE ADHEARED TO BY ALL MEANS. 

Following an earlier complaint, some new information has been collected that refutes some of the things Mr. Cooper ( dba Nationstar ) has stated to various entities in their replies. 

Attached is the proof that Nationstar DID NOT FOLLOW the rules and should therefore be fined in the matter as well as ordered to correct the problem created by them on XX/XX/XXXX, going forward to our account. 

The LPI put our home in jeopardy at the time and has resulted in us nearly 10 years later trying to correct the situation. We have spent much money on trying to resolve ( attorneys, XXXX XXXX and other means ) and the resources to fight this blatant clearly unnecessary error. 

There was NEVER any advance warning as required by law that the homeowners insurance was in question. The first time we were aware of it was by a letter informing us that Nationstar was placing Lender Placed Insurance on the home on XX/XX/XXXX. Immediately, Nationstar was contacted, and a copy of the Declaration Page as requested was forwarded to Nationstar. 

In their usual manner as one can research on social media ; they chose to ignore and deny they had received anything. 




XXXX It is quite compelling that there is proof that Nationstar/Mr. Cooper did not follow the protocol set by the RESPA under their rules and regulations as soon as notification was given that the Lender Placed Insurance was not justified. 

Messages were sent repeatedly with Proof of Insurance, but they repeatedly kept requesting the same documentation until the home was in foreclosure status AND THEN the proof was accepted! Also, when a class action suite had been settled ( XXXX vs Nationstar ; XXXX XXXX XXXXXXXX XXXX XXXX ), Nationstar closed out the escrow account immediately! 

Even in the research we requested of Mr. Cooper in XXXX, they were unable to provide proof as to having sent notifications as required by RESPA. They also could not provide proof of our contacting them from XX/XX/XXXX to XXXX XXXX! 









XXXX XX/XX/XXXX Think about this before judging against us the mortgage payees : Over the course of almost 10 years, we have tried to get a reversal on the Nationstar LPI imposed unjustifiably in XX/XX/XXXX and continued until XX/XX/XXXX whereby they had us in a foreclosure situation. 

When Mr. Cooper does a loan modification, the loan goes from {$1100.00} to {$4000.00} per month. NO ADJUSTMENTS to the loan other than continuing to pay it until the end in XXXX. How, pray tell, is this helping in a hardship situation? 

Mr. Cooper knows full well they set the whole scenario up from XXXX to today. Mr. Cooper was aware of a situation they purposely put into play that created the predicament we are in today. 

Just follow all the complaint boards and anything negative stated about Nationstar and Mr. Cooper and the conclusion is very simple. Purposeful intent on forcing a foreclosure by not following RESPA rules! 

Apparently CFPB and other government agencies have no desire to pursue this matter with Nationstar/Mr. Cooper for fear of retributions from what one can surmise. 
Thank you for your time in this matter. All pertinent documents are attached to the Email.

Company response to consumer: Closed with explanation