Consumer complaint received 2024-01-22 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: FL

Complaint narrative:
RE : - Nationstar Mortgage Mr. Cooper Rightpath servicing XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX /ITS Successors and/or Assigns XXXX XXXX The bank refuses to be transparent. I have brought it to your attention, the bank has overcharged me for multiple insurance policies in one calendar year, and because of my refusal to simply go along with your extortion attempts and pay those erroneous charges. This served as the catalyst that ignited this entire foreclosure action. With that said, there should be no question as to the fact that there is a problem here and that your reinstatement figures are grossly off! As clearly denoted by your partial credits resulting from the 4 insurance policies, i.e. " the overcharges '', which was clearly a bank 's error. Not to mention all the corporate advance fees, late fees XXXX drive by fees, plus any and all other fees you could drum up. Which have all been added to my account and are clearly illegitimate charges. I don't know of any single home address that would need 4, I repeat FOUR insurance policies in any given calendar year. And still several years later every bank and servicer 's involved this far have been " willfully '' and equally culpable in the clear attempts to defraud me. Moreover, you have attempted to foreclose on my home forcing me into having to file bankruptcy or lose my home to this illegal foreclosure. Causing me damages due to my inability to now access credit based on your bank errors. That's absolutely deceit, disgraceful and yet common practice. You have dragged me through the court system for several years now, racking up out of pocket attorneys fees for me to defend against your errors! Plus those additional fees & charges you added to my supposed outstanding balance, which you claim I owed you. What's more, each and every one of the above mentioned companies have deliberately and with crystal clear knowledge, chosen not to do the right thing by me the consumer. As this has been brought in front of each and every one of you on multiple times, and for several years now. So the lack of knowledge on any of the banks or their servicers would be a clear misrepresentation of the facts. You are all singularly and collectively responsible for these ongoing attempts to defraud me by stealing my home with this false foreclosure action. 

FRAUDULENT INSURANCE OVERCHARGES Now to add insult to injury, with your attempts to throw me a bone, all the while you also attempt to charge my account the attorneys fees for something you created with this engineered foreclosure attempt. as you stated in your last response " The fees that I have assessed to the account are valid and we can confirm that there was no error, or wrongdoing on our part. Please note that the lender paid expenses, or corporate advance fees, are charges assessed to loans when a lender takes action to protect the lender 's interest in a property. '' Yet you have clearly evidenced your charges were in error, as illustrated in the partial refund supposedly issued to my escrow account on XX/XX/XXXX in the amount of {$5200.00} and another partial refund supposedly posted on XX/XX/XXXX in the amount of {$3800.00} posted to supposedly the loan on XX/XX/XXXX. Although none of which is reflected by the bottom line number. Yet your redemption through sin mentality and reckless indifference, continues to render you still able to attempt to defraud me, with your own volition as you continue to play games refusing to fully credit my account everything that's owed me. I can only imagine how many millions of others like me you all attempt to do this annually! I think we concur that you should have pay only one policy. Which should have been charged that year on XX/XX/XXXX, in the amount of {$3300.00}. Yet I am still being charged for a second policy in the amount of {$3800.00} which was the bank 's second forced placed policy which you have chosen to overlook.. And for the record, I was also charged another {$260.00} & {$13.00} also for hazard insurance which you stated " I was credited AS A COURTESY '' for on XX/XX/XXXX! Are you people warped, you are clearly not doing me any favors, as you're still have not done the right thing. With your ongoing willful intention to deceive me of additional funds, plus all the fees and charges, corporate advance fees, late fees XXXX drive by fees, extra interest fees, attorneys fees, property inspection fees, title exam fees, trustee fees, etc, ect. All the way up to still attempting to foreclose on my home based on your banking errors..If you people can't be trusted to truthfully and accurately manage accounts maybe that privilege should be revoked ; since it's clearly your propensity.to willfully defraud people. 

HOMEOWNERS ASSISTANCE FUND ( " HAF '' ) Regarding the XXXX from the HAF program, let me remind you that It has been " ORDERED AND ADJUDGED that Defendants Motion to Compel Acceptance of funds from Housing Fund has been hereby granted.. Mandated that you all accept those funds as clearly denoted in the court order from XX/XX/XXXX. PLEASE provide the information, I have one week before the haft program closes. And almost nearly one year later I am still waiting for you to provide me a statement reflecting the XXXX for the HAF Program, so they can contribute their part. 

Please note, for XXXX XXXX to have gotten those funds as per the court order, while the parties determine the accurate amount of reinstatement and resolve the pending foreclosure. You/the bank would have been required to provide me, the necessary paperwork required by the HAF program administrator to insure those funds were transferred.. Again I've reached out countless times to no avail. Kindly let this serve as an ongoing request with a ridge time frame, that has been requested by the HAF PROGRAM so they can make the XXXX payment as per the court order. If you don not comply you will forgo that portion of what you claim owed you. As you know they are already connected with your back window and are waiting on you at the bank at this point, in order to issue the payment ; directly to you. I have reached out to the bank numerous times over the last year and a half requesting that you folks provide me with the required paperwork needed by the HAF Program. In order for them to be able to make their " court ordered XXXX contribution '' ; towards bringing my mortgage current. Yet again you continue to refuse to provide me with the required paperwork needed by the HAF Program administrator. While the bank 's representative XXXX XXXX kept insisting they would just pay it. That clearly has not happened to date, and with your refusal to provide me the required partial reinstatement quote as per the courts order, the bank/its servicer 's are intentionally blocking the $ XXXX payment from being made. Kindly let me know when you plan to correct that, so you can be paid or are you stalling in the hopes that the program closes ; so you can attempt to move forward with foreclose on my home! 

ESCROW ANALYSIS AND PRIOR SERVICER HISTORY I am still hoping and waiting to be provided each and every Escrow Disclosure Statement as was previously requested, kindly remit them to me from XXXX to date XXXX. And make sure the complete itemized statements are remitted promptly, please. And don't tell me that " The servicing knowledge of the events or information pertaining to the servicing dates of the subject mortgage loan ( including, but not limited to payment applications, disbursements, loss mitigation assistance reviews and/or offers, etc. ) prior to the above referenced transfer date is limited to the servicing records provided by the prior servicer ''. That is unacceptable, if you can't provide clear and accurate records singularly or collectively then you can't provide the accuracy of anything you claim actually being owed. So therefore you have no claim! Provide the accurate documents or forfeit any right to make any such claim. So let it be known that I am demanding a release of lean, and that you provided me with the satisfaction of the mortgage documentation immediately. 


FEES See above as I expect every penny credited, plus any and all of my personal out of pocket attorneys fees 3X, plus costs & damages resulting from your ongoing illegal foreclosure attempts. 


FORECLOSURE Again you clearly misrepresent the facts! Claiming that as of this letter the loan has not been paid and that the so-called loan is " due for XX/XX/XXXX, when you in fact you were the party that chose to stopped accepting my checks, and kept returning them back to me. Which took place for 3 consecutive months in a row.. Also serving to clearly illustrate, yet again your claims are unfounded, since you are the ones who created the violation of your own terms of service, by not accepting payment! Could that be because you had already been paid in full? Which is the reason we are here today. Let the attached XXXX XXXX XXXX XXXX Delinquency Information reflect just that. Since you all refused to accept any further payments from me, Hopefully you all get all the overcharges charges removed immediately, and please note I also expect to be compensated for any and all of the out of pocket expenses that I have been forced to incur resulting from this wrongful foreclosure action. I thank you in advance for your cooperation and please contact me with your proposed resolution. For the record you have my current mailing address and email address. 

Kindest Regard 's,

Company response to consumer: Closed with explanation