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4.2 1571 Reviews

Mr. Cooper Complaints Summary

243 Resolved
316 Unresolved
Our verdict: Dealing with Mr. Cooper, which has an average resolution rate, requires some diligence. Research their service in depth and read a variety of customer reviews for a balanced view. Approach any customer service interactions with detailed and well-prepared queries to facilitate a better resolution process.
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5:02 pm EST
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Mr. Cooper closing document dollar amount is incorrect 2 years later

I recently received my annual escrow account disclosure statement in the mail and had a shock when I opened it. NationStar will be charging me an additional $300 starting in April on top of what I already pay a month for my mortgage over the next year because it seems that they made a price mistake on PMI on my re-fi loan which was closed back in 2010. They apologized for their mistake, but now I'm stuck with paying an additional $300 dollars a month which I cannot afford for their mistake during a refi back in 2010. Why wasn't this caught sooner? Now I owe owe owe for over a year's worth for their mistake. Is there anything I can do? Please help! fyi: The closing numbers were the numbers we settled on and are listed on the closing documents, it wasn't like they gave me a different number than what we signed for on the closing documents.

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Take Action Agaisnt Nation Star Mortgage
Chicago, US
Mar 22, 2011 1:38 am EDT

My situation mirrors the threads of complaints on this site against Nation Star. Please do not let Nation Star take your home; contact your States Attorneys Office and file a complaint. If the States Attorney Office get enough complains an investigation into Nation Star practices can be filed and possible a class action law suite. Nation Star practices are deceptive and should be review.

Take Action.

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mike kazmirski
,
May 17, 2007 12:00 am EDT

On oct.28 2006 we lost are house to a fire that I build and the insurance ok but when sent the check to the mortgage company and their forms and told them that I was rebuilding it they said you have to have a contractor which will cost me at least $30,000.00 more that I'm not willing to spend and I've all ready pulled all the permits what do I do.

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caw138
Fairfax, US
Feb 25, 2013 8:55 am EST

If this is an FHA loan, please call the FHA resource center to confirm your MIP rate, they can look up your case by your SSN. The same thing happened to us in our most recent escrow statement, and I have figured out Nationstar is calculating the MIP using the CURRENT RATE, rather than the old rate for our loan, which is much lower. Now we have to fight them to get this corrected. Not sure how painful that will be.

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yourkeys
klamath falls, US
Mar 22, 2012 2:45 pm EDT
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You need to listen to your own auto response message.
It says that Nationstar acts as a debt collection agency. So do your own homework.
And DUH! It was sold to Nationstar. I wish they would sell it to someone else,
Maybe someone who wants to impliment Obama's Plan.
And you did not even address my Question!

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Consunser Chick
, US
Mar 22, 2012 12:30 pm EDT
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NationStar is not a Collection agency. Please do your homework. NationStar is a Mortgage Company. If you loan is now with them, that means your loan was sold to them and being serviced by them.

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MD5
ocala, US
Jul 29, 2011 3:42 am EDT

Our mortgage was bought by Nationstar from GMAC too..I thought GMAC was bad but they are no where near as bad as Nationstar. I had to go through the MHA process 3 times before I could get approved..they kept telling me I hadn't sent in the right documents or they hadn't received them. Each time they denied me, I reapplied. In May of this year, our kitchen flooded. I received the check from the insurance company but they won't let us do self repair even though this is the kind of work my husband does. I don't want to pay all the fees for labor but what choice am I left with? This company drives me insane!

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yourkeys
klamath falls, US
Mar 22, 2011 3:03 am EDT
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We need someone who knows how to file a class action suit against them. They denigned me Obamas MHA plan. Said I was not in foreclosure. DUH! That is why I need the plan. So I do not get there.
I am on food stamps and my credit card keeps going up because of this
payment. Just lower the interest rate on the existing LOAN.
Nationstar wants to steal your house and land... The first paper work I got from them said if I missed more than 2 payments they would start foreclosure. They even say they are a debt collection agency. Not a morgage company. My loan was sold to them by GMAC. Put them out of business...

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yourkeys
klamath falls, US
Mar 22, 2011 2:42 am EDT
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I have been working on my MHA plan since Aug. 2010.
Nationstar morgage lost my documents. Never even
told me til I called to see how it was going. Well it is March
2011 now. After sending numerous documents, bank statement, etc.
I called. DENIGNed! Our income is half what
it was when we first bought the place. I was told the denignal
was because I was not behind on my payments. Yet I do not
make enough to refinance. Already tried. Now I am on food stamps
and credit cards. Nationstar bought out GMAC. And they are
a debt collection agencie. So even though I have never been late. I
basically feel like I am in debt collections. The first paper work I recieived from nationstar said if I was more than two month behind on payments they would start forclosure. Not only that. They send late payment notices when the payment has never been late. So much for OBAMA's PLAN. Just the
same ole run around... Has anyone ever gotten a MHA modification
that worked? I have only heard horror studys...

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maureen
,
Nov 25, 2008 3:14 pm EST

what i'd like to know is when is someone going to do something about this company! are they the only mortgage company on the planet not willing to give realistic modifications to their customers! let's face it thye are going to lose more by foreclosed homes as opposed to modifying current adjustable rate loans and getting paid something.

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james roberts
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May 24, 2007 5:44 pm EDT

Mike,

Most states will issue a contractors license if you can demonstrate that you know what you're doing. Contact your local building inspector, I'm sure he/she can help.

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7:49 pm EST
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Mr. Cooper Poor Business Practices and Ethics

I'm a Denver Realtor who has seen this company's dirty work with many of my clients. DO NOT DO BUSINESS WITH THESE PEOPLE. What a bunch on ignorant monkeys. Common sense and company pride goes directly out the window with this company from the highest offices (### collecting a paycheck) to the grade school dropouts that answer the phones, transferring to extensions that don't exist, lying, delaying paperwork intentionally, appraising properties far above market value to force a foreclosure on owners that attempt short sales. If you're looking for a recourse as I have against these punks, there are numerous real estate attorneys in the Denver area that have very reasonable retainer fees. Oliver Frascona is a reputable one I hear. [protected]
If anyone has information on how to join a class action on this company, please post. Thank you!

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Mr. Cooper modification delay

I was notified back in April of 2011 that my Escrow had become negative and my mortgage payment would be increasing. I immediately called Nation star mortgage to start a modification and was told that I could not get one because I had one two years earlier with another lender. I called Fanny Mae and they saidd that they could modify my loan. After six months and several faxes of paperwork Fanny Mae had done nothing. I then called Nation star and they saidd that they would modify the loan. After several more faxes and months they agreed to a payment and I started the trial period of three months on the new payment. I called two weeks a go and asked when I would be receiving my final documents and they said shortly. I received an automated call yesterday to contact Nation star so I called them this morning and was told that they needed me to start all over with the process. Going on one year I lost it and told them that this is crazy. What is going on with Nation star Mortgage?

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Jacqueline Blevins
, US
Jun 13, 2012 11:40 am EDT

I have been told every year, for the past 5 years that my Escrow account is $900.00 short. I contacted Nationstar and spoke to one unprofessional person after another. The woman that I spoke to stated "It is what it is, the payment increases on your next due date, do we understand each other". I informed them that they were nothing but loan sharks, and should actually be shut down. They are the worst mortgage lender that I have ever dealt with!

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Mr. Cooper bad customer service/rip offs

Vermin indeed! This company recently purchased our mortgage. In mid-January of 2012, they sent us notice that our adjustable mortgage was to increase in March of 2012. The problem lies in that they had used the wrong index to calculate this increase. On Jan 31st, 2012, I contacted them and spoke with Arlene who said that a research request would be sent and that I'd have a resolution within a week. Nearly 10 days later, on 2/8/12, I called again to check status and was told by a man named Chase that thee was no record of any request being sent for research on this matter. Then, he just repeated the steps that were taken in my 1st call to them. I pressed Chase on the matter, saying that everytime I hang up the phone with them, I risk losing 10 days with nothing being done. I was hopeful that I could get deeper than the Customer service rep to try and get some resolution, as the date of mortgage adjustment was rapidly approaching and there was no time to waste. I was refused and it was made clear to me that there was no other course of action for me to take except for waiting for the request to take it's course. Subsequent to this issue, I have discovered that Nationstar has made an error in my mortgage interest reporting to the IRS, causing me to expend as of yet unknown effort in making corrections onn that issue, as well. The mortgage adjustment error is over $100 monthly, and the IRS error appears to be in the $5, 000 range. Have filed a complaint with the Better Business Bureau and will be contacting our states attorney general.

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Patsy Gross
Hutchins, US
Feb 22, 2012 7:00 pm EST
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With all the complaints against this company this seems usless. Bank of Ameica sold our Mortgage to Nationstar in December of 2011. First they did not pick up a November payment made to Bank of lAmerica and so charged us a penalty. I sent them a copy of the check and that fixed that. Then I went to their Dallas office and spoke to Ryan a Manager who promised to straighten things out and gave me his straight phone nummber. He was leaving town for 3 days and left me a number for Jose to call. l called Jose 3 times and he never returned my call. Three days later I called Ryan who was supposed to be back. As of today I have called him 8 times and never received a return call. I then talked to Thomas LeFluer who assured me everything had been taken care of and he would send me a breakdown of the paymets. I had previously received a breakdown and the last payment they added the principal to the note instead of subtracting. Mr LeFluer assured me this would be sraightend out and he would send me a breakdown with the corrections. That was 10 das ago and I still have had no answe. What do I do now continue to let them add the principal to the note. Who can help?

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rhnull
White, US
Feb 13, 2012 2:36 am EST

If Chase is the same Chase Scott that gave me the runaround, then you probably will not get any help from him; that goes for any other of their Customer Service Reps. I did not even begin to get any sort of satisfactory service until I directed my complaints to the new CEO, Mr. Jay Bray. Also you might want to contact Mr. Robert Appel, Executive VP of Servicing.
Jay. Bray@Nationstarmtg.com [protected]
Robert..Appel@Nationstarmtg.com [protected]

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Mr. Cooper fees & rates

Had a great loan company originally through a great bank, then surprise - got hit that it was sold to this horror fest of vermin. No customer service skills, unreal fees for unknown reasons, cannot get anyone to give a consistent answer and 'because that is the way we always do it" is not a logical answer to a "why" question. This company exercises unethical lending practices, will not release my documents, will not allow me to refinance with a reputable lending institution, refuse to remove fees that are not legitimate. Why can these people still exist? They are servicing $92 billion in loans, but are worthless people and stealing from customers.

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shameonnationstar
, US
Jul 13, 2016 12:45 pm EDT

I had a Bank of America home mortgage that was bought by Nationstar and they are forcing the $9.95 'transaction fee' on me too! I contacted them online in January and demanded refund, they said no! and I told them it was illegal to force a new fee on me that wasn't part of my old mortgage company's terms and conditions, they apologized and didn't give a refund. Today, the 13th, I am trying to pay my bill online again and the $9.95 is automatically added to my payment, forced on me. I called in and demanded a supervisor speak to me - they will not refund it and claim they can charge anything they want because I can mail the payment in after the 9th of the month. I said I am going to pursue a class actions suit for them illegally charging me for terms I NEVER agreed to when they bought my mortgage. Would you like continuing information of how I may be able to get a legal suit started, if I can? I am disgusted they are forcing a $9.95 fee when my original terms and conditions state a late fee will only be charged after the 14th of the month. feel free to email martinipup at gmail com I am not ok with this company ripping me off when I pay every month! for years and years! and I did not sign up for their terms and conditions, they were forced on me!

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Ashley/Billy
Sand Springs, US
Feb 12, 2012 8:06 pm EST

This place is horrible. IF I do not pay my house payment on the 1st they will call me every day sometimes up to 10 times a day. They even call is at 9 pm at night. I hate this place. Then they charge us fees for calling us. Everyone needs to stay away from this place

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Tony R. Hogan
, US
Feb 12, 2012 8:01 pm EST

This company recently purchased our mortgage. In mid-January of 2012, they sent us notice that our adjustable mortgage was to increase in March of 2012. The problem lies in that they had used the wrong index to calculate this increase. On Jan 31st, 2012, I contacted them and spoke with Arlene who said that a research request would be sent and that I'd have a resolution within a week. Nearly 10 days later, on 2/8/12, I called again to check status and was told by a man named Chase that thee was no record of any request being sent for research on this matter. Then, he just repeated the steps that were taken in my 1st call to them. I pressed Chase on the matter, saying that everytime I hang up the phone with them, I risk losing 10 days with nothing being done. I was hopeful that I could get deeper than the Customer service rep to try and get some resolution, as the date of mortgage adjustment was rapidly approaching and there was no time to waste. I was refused and it was made clear to me that there was no other course of action for me to take except for waiting for the request to take it's course. Subsequent to this issue, I have discovered that Nationstar has made an error in my mortgage interest reporting to the IRS, causing me to expend as of yet unknown effort in making corrections onn that issue, as well. The mortgage adjustment error is over $100 monthly, and the IRS error appears to be in the $5, 000 range.

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Mr. Cooper bad business

I fought with this company for an entire year trying to get my loan modified after it was sold to them by another company. I finally got the home modified. I had to move out because of other matters and was allowd to put the home up for short sale. After I found a buyer for the home, nationstar foreclosed on the home without informing me, and would not work with me on letting the buyer proceed. Although I was offered a deed in lieu of a foreclosure, they would not give me the necessary time to proceed with that procedure. This is the worse company I have ever worked with and I really feel sorry for anyone that gets involved with them. The government really need to do something about their business practices.

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Mr. Cooper load mod scam

My husband was unemployed most of 2010. We contacted Nationstar before we fell behind on the mortgage for any helpful options. We either made too much or too little depending on the offered programs (while on unemployment which was quite a paycut). We managed to make it thru 2010 with no help from them. By September 2011 we were 60 days behind on the loan. We received a trial payment offer in the mail that same month stating that if we made all 3 new payment amounts on time our loan would be modified. We did make the payments and in December 2011 we received the offer package that said our loan would be permanently modified. We sent the package back and made our new payment amount in January and February 2012. Now we have received forclosure notice. When we contacted Nationstar, we were told differenct stories, depending on who you talked to. Simone Browne said the new loan was not approved and could not give me a reason why. Mr. Crowe told us it was just a system error on Fannie Mae's side and would be corrected. He also stated that they have several hundred accounts right now with this problem. He told my husband he would check on this and call back the next day. We did not hear from him as promised. My husband finally reached him 2 days later and now he says Simone was correct and the loan mod was not approved. We are disgusted with this company. I think they are scamming people. I googled complaints about them online and there are hundreds of stories out there about this pitiful company. We will be researching what our options are.

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Goczo379
Bedford Heights, US
Feb 29, 2012 5:59 pm EST

Please let me know what your outcome is. I am in the same situation with these scam artists. They do absolutely nothing to help you.

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Mr. Cooper incorrect billing

Got a bill from nationstar aug 2011 for a second mortgage on a home that we sold. Turned out that first horizon sold/transferred a loan that had been sold in feb 2008! They even acknowledged that their records indicated it had been sold. After 3 months of telephone calls, faxes and emails to nationstar including but not limited to settlement paperwork and a satisfaction of mortgage from the state of florida, I was told I needed to "provide something that proves the loan was satisfied. "

I just about lost my mind when I went back to first horizon in frustration and was informed that once they transfer the loan they cannot get involved. They also told me that along with my loan nationstar has full access to the file attached which would include the paperwork that says the house was sold!

I cannot believe this is still going on and that I am being hounded by nationstar (Who is a debt collecting mortgage company for those of you that don't know) and am considering getting a lawyer to sue them if what they are doing effects my credit.

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Mr. Cooper escrow

Terribly unprofessional company! Anyone having issues with this company and escrow should file a complaint with their states Attorney General and let them assist you. This company has caused me so many hardships since they assumed my loan a year ago and over escrow that they are not responsible for! I am and my closing contract states that but they just added two years of escrow for my taxes, with no notice. They increased my mortgage payment $560 per month. I don't know to many people in this economy that that could handle that or even in a good economy. I will be taking legal action against them for hold payments in suspense and not applying them to my mortgage payment that I never missed. They will also be asked to notify all credit agencies of their wrongful reporting. Again, what a horrible experience and it has almost made me have a nervous breakdown dealing with them. They need to be investigated and from my state, that is what they are about to get.

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Mr. Cooper company seeking a wrongful forcosure

It began when I applied for one of the HAMP programs to lower my interest rate. I applied and was denied. Months later, Nationstar started to add an escrow account citing the program calls for an escrow account be set up. I didn't understand this because I was denied. First they paid my insurance, after I had already paid them. I wrote letters asking them to request a refund because my insurance was not due. This went on for months. It started in October 2010. I was able to get my insurance company to return the money to them after multiple calls and letters. Next, I paid my own taxes as usual in November of 2010, however I noticed my statements reflect a higher payment and when I inquire as to why. It is told to me, Nationstar now paid my taxes in full. This denied be the right to make the split payments as I have for the last 6 years. Now that my taxes are paid in full, Nationstar is requesting their money back and not not applying my regular payments since October 2010. I receive a demand letter in January of 2011. I feel their actions were deliberate with them trying to set me up for foreclosure, ruining my credit, ruining my life. Everytime I apply for a program I get denied. However, they, a few months later, start paying my escrows even though they have been paid my myself, they raise my payments and send a demand letter while I am trying to understand what happened and what has been paid. Recently, my insurance was paid again, however knowing the process, I immediately called my insurance to refund them their money. There is never any notice as to when this will start. This has to be wrong. The insurance company refunded the money, however they say I owe them 2300.00 but will not say what it is for. They won't talk to me or meet for mediation. My credit and life have been ruined by their actions. I recently go a demand letter because they are not applying my regular payments to this 2300.00 they say that I owe. Please help me with Nationstar Mortgage! They are the worse oompany I've ever seen. They send you to person person who know very little and will not effectly communicate with you in addition to this withold information to lead you into foreclosure.

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Mr. Cooper website for payments down for at least 2 days now

Chose option to submit payments online...how convenient, the website to make payments has been down for at least two days now. Its 6.95 to pay online, 15.00 to pay by phone. Will be submitting by mail from now on i guess.

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peopleDontRobBanksTheyRobPeople
Boise, US
Feb 09, 2012 4:51 pm EST
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I should also add that you MUST check up on any extra-principal payments made to Nationstar. They always apply the extra principal to the next payment REGARDLESS of your selection on the bill.
Talking to their customer service (who were actually very polite and helpful), ALL payments are processed mechanically/electronically and pay no attention to the selection on the bill. After each payment, I had to call the customer service to get them to adjust the extra principal. After 4 months of this, I got them to put me on their 'manual processing' list. Since then, the extra principal has been processed correctly.

fwiw

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peopleDontRobBanksTheyRobPeople
Boise, US
Feb 09, 2012 4:46 pm EST
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I absolutely agree. The online account access has actually been down for at least 5 days now.

I didn't start my mortgage with Nationstar. I was with Flagstar, who I had no complaints with. Their online access was easy, reliable and most importantly, free! But, as soon as they sold my loan off, I read up on Nationstar online. I've made all of may payments by check.

It should be illegal for a bank to sell a mortgage to a company that doesn't offer the same account access! What an F-ing rip!

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Mr. Cooper escrow account

I have fought with them over the escrow account. First, they charged for insurance (flood an homeowners) because they said we didn't have it. We did. I then tried to get them to credit the account. I verified that they were sent copies of the declarations page several times. Now, another fight is brewing. They added $200 to the monthly amount and also said I owed another $2000 this month. The [censored] said it was to the escrow account. I asked how could I owe that much if I have been paying it monthly. They also charged a double amount for the property tax. I did get that one corrected. I am now waiting for a printout of the escrow account since the beginning. After reading all the complaints I have a bad feeling. I am so sorry I for lying down with these pigs.

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brittany foster
Knoxville, US
Dec 01, 2013 9:03 am EST

they have told my mother inlaw that she missed a payment when they sold her from bank of amraica to nationstar and know they say she owes like 2000$ in late fees she got the money gram prof and they r still saing it is her foult and its always sent on the same day for years and now they still say she owes the (late fees) but if it was there on time there should b no late fees makes no sencts to me DONT GO THO NATION STAR MORTGAGE THEY R SHADY AND SCAMING PEOPLE PLEASE DO UR SELF A FAVER AND SAVE UR SELF THE WORRING OVER THERE F@+& UPS CHARLE PITS IS THE SHADY

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509Man
Downingtown, US
Nov 05, 2013 6:42 pm EST
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I just received notice my escrow has to have 2 month cushion when with Bank of America we only needed 1. Now I am 409.00 for the year, and my mortgage went up 30.00 a month because of it. I never received a escrow analysis and the only answer I received was "because they require it". It was not the terms of my mortgage when I got my house, but now that my mortgage was sold without my knowledge or consent, I am being forced to pay or else I would be in default for not making my full payment. This is not fair, and there has to be some sort of lawsuit out there.

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gremlin1117
Mt. Vernon, US
Jun 30, 2011 10:51 pm EDT

Can anyone explain to me how Nationstar Mortgage can increase someones mortgage without some sort or warning. Here is what happened. We have an escrow account set-up through Nationstar. I didn't realize it, nor did Nationstar inform me that the amount that was being set aside for my homeowners insurance, flood insurance and taxes wasn't quite enough. I was $148 short for the year. Now, they have raised my house payment every month by $178. So, at the end of the year they will be holding on to roughly $2000 of my money. That is $2000 that I could be earning interest on instead of them. They told me that if their was an overage that they would reimburse me. However, I'm really not holding my breath because they're such a shady company. Does anyone know if they can get away with this? I would have happily written them a check for the $148, but now I'm paying an extra $178 a month. The other thing Nationstar is doing is they start calling me on the 1st of every month to check where my payment is and it isn't due until the 16th. I have never been late on a single house payment. Any help out there or if this is happening to others it would be very much appreciated to hear. Thank you!

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Lynn Schmittq
Anderson, US
Feb 10, 2012 1:28 am EST
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Our mortgage company sold our mortgage this past summer to Nationstar. We have an escrow account and the December 2011
taxes were due. My husband receives a $300 veterans credit and that was taken off the bill by our Town and the 3rd party company that Nationstar uses subtracted the $300 again from the amount due. The amount due on the billing specifically said to "Pay this amount". Why some idiot took it upon themselves to take another $300 no one can seem to answer. We are not the only ones and Nationstar is not the only mortgage company these outsource payers have messed up.
There are hundreds. Of course, we have to deal with Nationstar who told us the check was mailed January 26. Well it stll hasn't shown up. The town says if we pay the $300 due and they get the check it will make matters worse due to the way the interest is calculated on a day to day basis. I am furious at this. I did Google Nationstar and saw the reviews. I should have paid more attention and pulled the escrow. We are now attempting to see if we can do that.
If anyone is considering using this company or has their mortgage sold to this company, get rid of your escrow or try to refinance as fast as you can.

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ghubz
Royal Oak, US
Mar 29, 2012 12:57 pm EDT

They are charging me a grand less in my escrow account for taxes despite me providing corrected information last year. When my prior bank sold the account to Nationstar they never advised for any escrow tax bill change of address, the county keeps sending it to the prior lender. When I call, I find out that all the employees rode the short buss to school.

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KellyWin
Marietta, US
Mar 14, 2012 11:01 am EDT
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The same thing has just happened to me. I re-fied back in 2010, the first two payments were normal, then the payments dropped and I thought it was a re-analysis or something, I just pay the monthly statement I get. I recently opened up the new annual disclosure and my escrow is over $2000 short! My jaw about dropped, seems NationStar forgot to add the MIP into the statements after the first two re-fi payments, so now they are charging me over $200 a month on top of the mortgage payment for the next year! This is crazy! The interesting thing is the MIP is an assurance to the mortgage company in case you don't pay your mortgage. I have never been late or missed a payment, so I still owe them back pay for assurance that was met? And of course, I could get nowhere in finding where the problem had arised when talking to their escrow department. My broker and I had to find out where NationStar made the mistake!

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jester jett
Springdale, US
Feb 09, 2012 1:05 am EST

hate this company after 6 full months of their crap!

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Beth Whaby
Imperial, US
Jan 20, 2012 4:03 pm EST

We have the same exact complaint. My husband is livid! have you had any results?

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Mr. Cooper errors in billing, no correction in statement of account, no communication from them

My mortgage was sold over 1-2 years ago to Nation Star Mortgage. I have had nothing but trouble with them ever since. They are very slow in updating your payments when you try to view your account on line. I made my payments on time and mostly early, but never late. I sent extra principal on my mortgage payments to pay it down. I was a good customer! They treated me like dirt, especially since I made a $60, 000 payment on principal on 1/10/12. This check cleared the Bank of America on 1/12/12. They have my money but they never applied it correctly and had to reverse it on line. When I contacted twice per email, they never responded to my questions or inquiries. I then called them a total of three times over the next three weeks and all I got was a "run around" from them with tons of excuses. When I asked to talk to a supervisor, I held for 3 minutes, only to be hung up on and never talked to the supervisor. I then sent two letters to them over two weeks time, again asking when they would give my account the credit for the $60, 000 payment. I was NEVER given an answer, but they sure could try to get me to refinance with them and kept talking about doing more business with them. ARE YOU KIDDING ME? I didn't like their business now, why in the heck would I want to do more business with them. They knew I was a good customer, but treated me like DIRTY! Everyday I would go on their website to see if they corrected my mortgage amount that I paid and it is still incorrect. Today, 2/6/12 I finally received a response from a Miss Brooks in customer service who assures me that my next statement would be right, but gave me some lame excuse that it took more than two weeks for the bill to get here to me from Dallas, Texas and that's why my last statement in January was wrong again. NATION STAR IS A DISGRACE TO THE MORTGAGE BUSINESS. They should lose any good rating they have (if any) and should be reprimanded for their outrageous customer service. I plan to get away from them as soon as I can. They should be closed down! I am not a person that doesn't pay her bills, or doesn't contact people if I have a problem. I do not plan to be a lazy bum and let my mortgage company try to foreclose on me. I believe these people are not providing a genuine service to good customers like me. I plan to keep my home and I'm not going to let them or anyone else take it from me. I am a good U.S. citizen who takes pride in herself, her home and God. SHAME ON NATION STAR!

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Mr. Cooper escrow and homeowners ins.

GMAC sold my loan to them and I had no choice 4 years ago. A nightmare ever since. I changed homeowners policies and notified them 6 weeks before my current one terminates. I get a letter dated 1/30/12 saying they haven't received a bill from AMFAM so we took it upon ourselves to pay the bill out of your escrow account. The same day I get another letter dated 1/30/12 from them saying we have received notification of your change of homeowners insurance to SAFECO. But, since we paid AMFAM anyway you will need to contact them to try and get your money back and by the way, you will need to pay the new SAFECO policy yourself since your escrow account is now depleted. Send us the receipt when you pay it. WTF I sent a scathing email to customer service today . I contacted SAFECO to get the notification date to Nationstar. If they sent the check to AMFAM after that date, Monday will go down in history as someone's worst day of employment there when I start calling Nationstar.

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helpingotherswithmtg
San Andreas, US
May 22, 2015 7:48 pm EDT

So what happened.

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Mr. Cooper unethical

I was trying to buy a house that nationstar owned due to a foreclosure. I gave up after 2 month of unbelievable issues. Best think I could have done. The icing on the cake was that they told me one of my mortgages with another company was behind 2 months. That was inaccurate. They tried to validate my information before one of the 7 scheduled closing dates. They called the mortgage company that I have a loan with and they documented who at nationstar called and that they were not authorized for the information. They wouldn't give them data. Nationstar used by ss# to call the automated line and act like they were me. That is definitely unethical but probably illegal too. They got limited information. It told them when my last payment had been made. It didn't tell them that my account was paid advance and next payment was due in 3 months. I spend a day dealing with a real mortgage company to figure out where they came up with the lies. I told them to shove their house. I did get a little enjoyment. The last contract extension expired and they thought it would automatically renew. They did a bunch of work and they i told them we are out of contract.

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Mr. Cooper failure to apply payment to principal

We paid an extra $1000, on top of our scheduled payment, but only an extra $334 was actually applied towards principal. We have called and asked for an explanation and were told that "they thought we were making a payment towards the next month", though we wrote the extra amount in the field designated for "extra principal." The customer service person assured us that they will take care of it the next business day. Almost a month has passed since we made that call but nothing has changed in how our previous payment was applied. Today, we sent out another check with $1000 extra to be applied towards principal. We even highlighted (we were told by customer service that making it clear might help) that line. Can someone help? Does anyone know what to do in this situation?

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herkamur
, US
Apr 29, 2018 10:16 pm EDT
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Everytime I make a principal payment to Nationstar that is bigger than my house payment they don't apply it to the principal; they make the next months regular payment and what ever is left over after thay they apply to my principal. Pretty sure that is called Fraudulent Scheme. When this happens I have already made my house payment for that month and I have clearly checked (and printed out) the box that makes this extra amount specific to be a principal payment. They don't care they just make a house payment for the next month with the interest to them. FRAUD Now if you make and additional payment to Principal "( that is less than a regular house payment) they credit it properly as a Principal Payment; but if that Principal Payment is one penny over the house payment amount they will make a future house payment instead of a Principal Payment, so they can pull out their interest. They are playing with the money.

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hparris
, US
Feb 26, 2016 7:53 am EST
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They are doing the same to me. I got an 801 over payment check from escrow that I had to call and have them apply towards principal. I also found 3 more extra payments that they took interest out of. Is there any recourse that you don't have to babysit the account, other than re-finance through a different institution? I didn't have these problems with US Bank.

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jester jett
Springdale, US
Feb 09, 2012 1:08 am EST

file a complaint with your Attorney General! Please! They are causing so many people so much hardship

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Mr. Cooper worst mortgage company

This company is horrible. Citi sold my loan to Nationstar 3 years ago and I've had nothing but problems. For the last 2 years they have not paid my homeowners insurance on time causing my home owners insurance to lapse. Last year I had to pay the premium out of pocket and then wait months for Nationstar to reimburse me. I pre-paid all the time. I always send a letter and write clearly on the check that it is for the principal only. They instead take the pre-payment and put it towards my regular payment. Then while they try to fix their screw up they mess up my monthly payments, don't take the automatic deduction on time and then try to tell me my payment is late. I've never been late on a payment. Like I said, I prepay. Is it too much to ask for them to pay on time? The kicker is that when I applied for a re-finance the loan officer told me the real reason I was declined was that my credit score was too high and they wouldn't make any money off me. That didn't stop them from running numerous credit checks. Needless to say I am looking into a new Mortgage company.

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Shawn050780
Bolingbrook, US
Feb 06, 2012 5:19 pm EST

Call your insurance company and tell them to bill you directly instead of the mortgage company. If the mortgage company doesn't like it, tell them that's tough. You will provide them with a certificate of insurance and a paid stamp once-a-year. Tell your insurance company to not comply with their requests except to issue a certificate of insurance if they request one.

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Mr. Cooper pulled credit report without our permission

We had an appointment to discuss our loan eligibility with ms. Jeanne kelly at the era office in newburgh, in. First she gave us some forms to sign. One of the forms dealt with pulling out credit reports. She made us sign the form saying it's "no big deal" and that she will not pull our credit report without asking me and my wife. Then about a week and half later on the 14th of february we received a call at our home from some tele-marketer mortgage company that our credit has been pulled and we have applied for a loan. We told them that we had not applied for a loan. The next day we came to find out from ms. Jeanne kelly that she pulled our credit without our permission. When we went to see her, she said that she indeed did it and said that she "owes us an apology". An apology does not cut it for such a matter because it negatively affects our credit score, and such an action by a mortgage professional is simply very unprofessional!

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helpingotherswithmtg
San Andreas, US
May 22, 2015 7:30 pm EDT

You can process an application verbally. You need to read what you are signing. What's signed is what stands. A verbal agreement does not. So whatever you signed must have said that it was going to pull your credit. And if you wanted to see if you would qualify for a mortgage that is the right way to go about it. So I'm not sure what you were filling out and why... But it seems like you were trying to determine something. So in the future please read what you sign even the smallest undisclosed detail could be the most important. Be careful hope this helps.

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Mr. Cooper foreclosure fraud, tarp frraud

Daniel mudd of fannie mae and fortress investment group buys and shorts the very same mortgages that their nationstar subsidiary originates.

This is a a fact.

They steal money by way of spa contract entered into with the u. S. Department of treasury and breach the same contract as they fail to comply with the terms of said contract.

All the while, cashing the checks, wire tranfers and payments from borrowers and taxpayers by way of tarp.

In my case, fnma svc 09-36. Lender must notify borrower if loan modification is denied.

Https://help. Consumerfinance. Gov/app/mortgage/ask

Peggy. [protected]@cfpb. Gov
Richard. [protected]@cfpb. Gov
Raj. [protected]@cfpb. Gov

Plaintiff: keith cabaniss

Defendants: nationstar mortgage, llc

Attorney for plaintiff:
Keith cabaniss, pro se
81 greystone trail
Black hawk, co 80422
Phone: [protected]
E-mail: [protected]@ usa. com
Verified complaint for wrongful foreclosure
And jury demand

Introduction: this complaint alleges inter alia that nationstar mortgage wrongfully foreclosed on real property commonly known as 81 greystone trial, black hawk, colorado, 80422. Specifically, nationstar repeatedly and falsely told plaintiff that his loan modification was either in-process or had been approved, failed to inform plaintiff that his loan-modification application had been denied, and that this failure prevents plaintiff from exercising legal rights, including but not limited to, chapter 13 bankruptcy, that would have allowed him to retain title to his home, which he largely built with his own hands.

Plaintiff, keith cabaniss, pro se, for his complaint against nationstar mortgage, swears and affirms that:

1. Defendant, nationstar mortgage, is a national mortgage lender that has transacted business in the state of colorado.

2. Plaintiff, keith cabaniss, is an individual who resides in, and previously owned and occupied real property located in gilpin county, colorado.

3. The real property that cabaniss previously owned has a common street address of 81 greystone trail, black hawk, colorado, 80422 (The & ldquo;home”).

4. The home is known as parcel no. [protected], in the public records of gilpin county, colorado.

5. The legal description of the home is:

S: 3 t: 2s r: 72w subd: la chula vista ranch block: 002 lot: 013a & imps a tract of land created by ble 04-09 recpt #122305 & corrected by ble 04-09a recpt #124137 formerly known as blk 2 lot 13 & east 1/2 of lot 18.

6. Cabaniss was the first owner of the home.

7. The home is located in the mountains of gilpin county, colorado.

8. The home has a unique and spectacular view of the continental divide and longs peak.

9. Cabaniss designed the home, and largely built and finished it with his own hands.

10. Cabaniss purchased the land on which the home resides in november, 2003; built the home from july 2004 through january 2007; and completed its interior and first occupied the home in january 2007.

11. On may 25, 2007, cabainss signed a promissory note to nationstar for the amount of $230, 431.01 (The & ldquo;note”).

12. The note was secured by a deed of trust on the home.

13. Nationstar filed an action on january 17, 2008, to recover title to the home by having the gilpin county public trustee conduct a public sale of the home (The & ldquo;foreclosure”).

14. On information and belief, nationstar did not own the note or hold the corresponding deed of trust when it filed the foreclosure.

15. On information and belief, nationstar sold the note and had previously assigned the note and/or the corresponding deed of trust at the time when it filed the foreclosure and thereafter.

16. On information and belief, nationstar acted only as the servicer of the note, i. E. Nationstar did not own the note, but contracted with the note’s owner to administer the note, including to collect payments made on the note.

17. From january 2008, when nationstar filed the foreclosure, through mid-february 2010, nationstar consistently and repeatedly postponed the sale date in the foreclosure action.

18. Cabaniss entered the streamlined modification program loan workout plan (“smp”) february 19, 2009.

19. Nationstar’s agent, vessia, told cabaniss on february 27, 2009, that his smp modification had been approved.

20. Cabaniss made one payment under the smp.

21. Thereafter, nationstar called cabaniss and informed him that smp had been cancelled, and cabaniss would instead enter a trial period plan under the home affordable modification program (“hamp”).

22. Cabaniss entered hamp in august 2009.

23. Hamp requires that applicants complete a three month trial period by making the payments that would be required under a proposed modified loan terms. If a hamp participant makes these required trial-period payments, the participant’s loan may be modified to reflect the trial-period’s payment terms.

24. Cabaniss timely made his august and september payments under hamp.

25. Cabaniss pre-paid his october hamp payment with his september payment.

26. In september of 2009, cabaniss called nationstar to ensure that it had received his august, september, and october hamp payments.

27. By timely making his august, september, and october payments to nationstar, cabaniss successfully completed the hamp trial period.

28. Assuming that cabaniss met other hamp program requirements, cabaniss’ successful completion of the hamp trial period entitled him to have his loan modified in accordance with the trial-period payment terms.

29. Nationstar confirmed to cabainss that (A) it had received his august, september, and october hamp payments; and (B) it was sending his plan to another nationstar department to draft new loan documents for cabaniss’ new and modified hamp loan.

30. Cabaniss’ hamp loan-modification application was denied on or about septmber 28, 2009.

31. On or shortly after cabaniss’ hamp application was denied, nationstar knew that cabaniss’ hamp application had been denied.

32. Nationstar did not notify cabaniss that his hamp application had been denied.

33. Nationstar was required to notify cabaniss that his hamp application had been denied.

34. Cabaniss did not receive new hamp loan documents from nationstar.

35. Cabaniss did not make further payments to nationstar while he was waiting to receive his new hamp loan documents.

36. Nationstar consistently told cabaniss that his new, modified, hamp loan documents were in progress. The communications between cabaniss and nationstar, include, but are not limited to the following communications:

A. Cabaniss called nationstar on december 10, 2009, and informed it that he had not yet received any new, modified, hamp loan documents. Nationstar informed cabaniss that it was "still working to prepare new loan documents, could take another month. "

B. Cabaniss called nationstar again on january 26, 2010. He informed nationstar that he still had not received the new, new, modified hamp loan documents. Nationstar told cabaniss that & ldquo;everything is ok. & rdquo;

C. At the time nationstar made the statements in the immediately preceding paragraphs (A) and (B) to cabaniss, nationstar knew that these statements were false.

37. On or about four days after the january, 26, 2010, telephone conversation in which nationstar told cabaniss that & ldquo;everything is ok, & rdquo; nationstar set a sale date for the foreclosure.

38. The gilpin county public trustee held a public trustee’s sale of the home on february 25, 2010 (The & ldquo;foreclosure sale”).

39. February 26, 2010, was the last date on which nationstar could schedule the foreclose sale without having to file a new action to request a public trustee sale of the home.

40. At the time of the foreclosure sale, cabaniss had no notice that nationstar intended to continue with the foreclosure.

41. Prior to the foreclosure sale, nationstar provided no notice to cabaniss that nationstar had set the foreclosure sale, or that nationstar otherwise intended to proceed with the foreclosure.

42. Cabaniss learned of the foreclosure sale on march 3, 2010, when he discovered a notice that phil heter, a denver-based repossession/eviction processor and reo broker, that fannie mae now owned the home.

43. If cabaniss had had notice of the foreclosure sale, he would have been able to exercise legal rights, filing a chapter 13 bankruptcy petition, which would have allowed cabaniss to prevent the foreclosure sale and keep the home by restructuring his debts and becoming current on the restructured note over time.

44. After cabaniss learned of the foreclosure sale, he again called nationstar. On march 9, 2010, cabaniss spoke with thomas brown of nationstar. Cabaniss asked mr. Brown to have nationstar rescind the foreclosure sale because nationstar had (A) failed to provide cabaniss with any notice that it was proceeding with the foreclosure sale and (B) had made multiple misrepresentations to cabaniss regarding the status of his hamp modification and of his note to nationstar.

45. Brown and cabaniss went through nationstar’s records of the communications between cabaniss and nationstar.

46. Brown stated that nationstar’s records of its communications with cabaniss comported with cabaniss’ own records of these communications, which are reflected in the preceding paragraphs of this complaint. Brown also confirmed that nationstar had not notified cabaniss of the foreclosure sale or of that cabaniss’ hamp application had been denied.

47. Despite his concurrence with the facts as cabaniss presented them, brown and nationstar refused to rescind the foreclosure sale. More specifically:

A. Cabaniss asked brown, & ldquo;what happened?”

B. Brown responded, "something transpired. "

C. In response to further questions from cabaniss, brown would not reveal what transpired, refused to rescind the foreclosure sale, stated that he was going to terminate the telephone call, and then hung up.

48. On may 17th, cabaniss held a conference call with geraldo hernandez of nationstar and jeff plaine of money management (A hud-certified loan counselor).

49. During this may 17th conference call, hernandez again affirmed that:

A. Nationstar’s records of its communications comported with cabaniss’ own records of these communications, which are reflected in the preceding paragraphs of this complaint;

B. Nationstar did not notify cabaniss that his hamp loan-modification application had been denied.

C. Nationstar did not notify cabaniss of the foreclosure sale date or that nationstar was proceeding with the foreclosure sale.

50. On may 20, 2010, cabaniss spoke via telephone with chelsea of nationstar mortgage’s legal compliance department in dallas, tx. He asked why nationstar proceeded with the foreclosure sale despite having informed cabaniss that & ldquo;everything is ok. & rdquo;

A. Chelsea responded that there had been a "miscommunication between [nationstar’s] loss mitigation and hamp department [s] . "

B. Thereafter, cabaniss asked chelsea "why am I being held accountable for miscommunication within nationstar?"

C. Chelsea responded, & ldquo;there is no explanation. "

First claim for relief
Wrongful foreclosure

51. Cabaniss repeats and realleges all preceding paragraphs.

52. Nationstar’s foreclosure sale was wrongful.

53. Cabaniss has been damaged by the wrongful foreclosure sale.

54. As a result of the wrongful nature of the foreclosure sale, the foreclosure sale should be rescinded.

Second claim for relief
Breach of contract (Covenant of good faith and fair dealing)

55. Cabaniss repeats and realleges all preceding paragraphs.

56. As part of the note, nationstar had an obligation to deal fairly and in good faith with cabaniss in its efforts to enforce the note.

57. Nationstar did not deal fairly and in good faith with cabaniss in its efforts to enforce the note.

58. Cabaniss has been damaged by nationstar’s lack of fairness and good faith in an amount to be determined at trial.

Third claim for relief
Fraudulent non-disclosure

59. Cabaniss repeats and realleges all preceding paragraphs.

60. Nationstar represented to cabaniss that (A) his hamp loan application was in process; (B) he would receive new loan documents from nationstar that complied with the term of the hamp trial period that cabaniss had successfully completed; and (C) cabaniss’ loan from nationstar and the processing of his hamp application was & ldquo;ok. & rdquo;

61. Nationstar’s misrepresentations detailed in paragraph 60 above are false.

62. At the time that nationstar made the representations details in paragraph 60 above, nationstar knew or should have known that these representations were false.

63. Nationstar made the representations detailed in paragraph 60 above with intent that cabaniss rely on these representations.

64. Cabaniss relied on nationstar’s misrepresentations to his detriment.

65. Cabaniss has been damaged by nationstar’s misrepresentations and his detrimental reliance on these misrepresentations in an amount to be determined at trial.

Fourth claim for relief
Fraudulent non-disclosure

66. Cabaniss repeats and realleges all preceding paragraphs.

67. Nationstar had a duty to disclose to cabaniss all material facts that were relevant to the foreclosure sale before the foreclosure sale proceeded, including, but not limited to, the fact that the foreclosure sale was proceeding and that cabaniss’ hamp loan-modification application had been denied.

68. Nationstar failed to disclose the material facts detailed in paragraph 67 above to cabaniss.

69. Nationstar’s failure to disclose the material facts detailed in paragraph 67 above to cabaniss was willful and intentional.

70. Cabaniss has been damaged by nationstar’s willful and intention non-disclosures in an amount to be determined at trial.

Jury demand

Cabaniss demands a trial by jury.

For these reasons, the court should vacate the foreclosure sale, restore title to the home to cabaniss as title existed prior to the foreclosure sale, award cabaniss economic and punitive damages, award cabaniss all costs and attorney fees incurred in this action, and award cabaniss all such further relief that the court deems as is just, proper or appropriate.

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Josie4dmm
Punta G, US
Jun 16, 2012 3:39 pm EDT

How can this be stopped?

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kungfoochicken
, US
Jun 11, 2012 6:31 pm EDT

Nationstar is a criminal operation profiting from tax payer funded loan guarantees and circumventing the ethical latitude givin it by the "rules".
Nationstar makes more money by foreclosing on property when the mortgage is guaranteed by the government..than they would otherwise by servicing the loan...especially when the owner has made payments for years on the loan..They are dispicable, , , I am suing
also

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Mr. Cooper - discharged bk and credit reporting

Wow, this company is something. I have a BK from 2008 that has been discharged. At the time our home loan was with CitiMortgage, and they requested a re-affirmation fo the loan, to which the BK Judge responded that it was "inappropriate" for them to request a reaffirmation, as the loan was never part of the BK and therefore in keeping with California law...

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Mr. Cooper Customer Reviews Overview

Mr. Cooper is a home loan and refinancing provider that aims to assist homeowners in managing their mortgages. They offer a variety of services including loan origination, mortgage servicing, and refinancing options. Customers can access their accounts online to make payments, view statements, and track loan progress. The company also provides tools and resources to help customers understand their home financing options and make informed decisions about their mortgage.

Mr. Cooper In-depth Review

In Summary: Mr. Cooper is a well-established mortgage lender that offers a variety of loan products and services. With a focus on customer service and a suite of online tools, Mr. Cooper aims to simplify the home loan process. Below is a detailed review of the company's offerings, application process, customer feedback, and more to help potential borrowers make an informed decision.

Company Overview: Mr. Cooper, formerly known as Nationstar Mortgage, has a solid history in the mortgage industry. The company provides a range of services including home loans, refinancing, and mortgage servicing. Mr. Cooper serves customers across the United States, offering a personalized approach to mortgage lending.

Loan Products: Mr. Cooper offers various loan options such as fixed-rate and adjustable-rate mortgages, FHA loans, VA loans, and jumbo loans. The terms and conditions of these loans are competitive within the industry, with interest rates and fees that are transparent and in line with market standards.

Application Process: Borrowers can expect to provide standard documentation such as income verification, credit history, and employment information. The online application process is user-friendly, and the approval timeframe is reasonable, with some customers reporting quick pre-approval experiences.

Customer Service: Mr. Cooper is known for its responsive customer service, with representatives that are knowledgeable and helpful. Support is available through various channels including phone, email, and live chat, ensuring that customers can get assistance when needed.

Online Tools and Resources: The company's website features loan calculators and educational materials that are useful for prospective borrowers. Additionally, Mr. Cooper offers robust account management features, allowing customers to easily manage their loans online.

Payment Options: Mr. Cooper accepts various payment methods, including online payments and autopay features. The company's late payment policies are standard for the industry, and they encourage customers to reach out for assistance if they're facing financial difficulties.

Customer Feedback and Reviews: Positive testimonials often highlight Mr. Cooper's customer service and ease of use. While there are complaints, as with any large company, Mr. Cooper appears to be proactive in addressing and resolving customer issues. Overall customer satisfaction seems to be positive.

Financial Health and Stability: Mr. Cooper is considered a reliable and solvent company within the mortgage industry. It holds industry accreditations and complies with regulatory standards, contributing to its reputation for financial health and stability.

Refinancing and Loan Modification: The company offers refinancing options to help customers take advantage of lower interest rates or adjust their loan terms. Mr. Cooper also provides loan modification services, with an emphasis on minimizing the impact on customers' credit scores.

Additional Services and Features: Mr. Cooper provides escrow services and has a functional mobile app, enhancing the customer experience. Special programs are available for first-time homebuyers and veterans, offering tailored solutions to these groups.

Transparency and Honesty: Mr. Cooper is committed to transparency, providing clear terms and conditions and disclosing all fees and penalties upfront. Their marketing practices are designed to be straightforward and honest, fostering trust with customers.

Pros and Cons: Advantages of choosing Mr. Cooper include a wide range of loan products, strong customer service, and comprehensive online tools. Potential drawbacks could be the varying experiences with customer service and the standard fees associated with mortgage services.

Conclusion and Recommendations: Overall, Mr. Cooper is a reputable mortgage lender suitable for a variety of borrowers, from first-time homebuyers to those looking to refinance. The company's commitment to customer service and online accessibility makes it a strong contender in the mortgage industry. Final verdict: Mr. Cooper is worth considering for your mortgage needs, provided their loan offerings align with your financial situation.

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3. Writing the Title:
- Summarize the main issue you have with Mr. Cooper in the 'Complaint Title' section.

4. Detailing the Experience:
- Provide detailed information about your experience with Mr. Cooper. Include key areas such as transactions, steps taken to resolve the issue, the company's response, personal impact, and nature of the issue.

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- Use the 'Claimed Loss' field to state any financial losses and the 'Desired Outcome' field to specify the resolution you are seeking.

7. Review Before Submission:
- Review your complaint for clarity, accuracy, and completeness before submitting it.

8. Submission Process:
- Click the 'Submit' button to submit your complaint.

9. Post-Submission Actions:
- Regularly check for responses or updates related to your complaint on ComplaintsBoard.com.

Ensure each step is clearly defined to guide you effectively through the process of filing a complaint against Mr. Cooper on ComplaintsBoard.com.

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Phone numbers

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Website

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