Mr. Cooper
reviews and complaints

They bought out my loan and in my original loan I paid my own taxes and homeowners' insurance. I always used my tax refund. The forced it on me and when my payment went from $900 to $1300.00 it became a struggle. I requested it to be removed as I did not ask nor won't it on my payments. I was turned down. As I struggled I finally had all the money to catch up my payments and I was told that night, they were sorry they could not accept my payment I would have to speak with the foreclosure attorney, he would be in touch. I was told I was offered a loan modification and since I didn't respond in time It was no longer available. I ask how that was offered they said by email! YOU send something that important by EMAIL! SPAM MAIL ever cross your mind! Of course, and when you offered that I could apply again for the modification, I never applied the 1st time! However, I got an offer, but when I applied for it I was turned down. I tried to get the Chapter 13 route and they wanted to raise my payment to 1800.00 Now if I can't make $1300? The crazy is that the court was only going to send Nationstar $250.00 a month and they was accepting! I was willing to pay my $900 and NO ONE WOULD TALK TO ME! I got letters of who was my account specialist every other week it changed. SO, to no avail I waited to work this out and no such luck! My disabled 76-year stroke victim mother and my disabled self now have to figure out where we will go with our horses and dogs and cats along with 20 years of accumulation of stuff there not counting 20 years, we brought with us when I bought the farm. Along with the lingering memory of my only child who picked this property, was killed on this property. I must now leave it all behind. Isn't there anyone to take a class action lawsuit out and stop this company from ruining lives! WE didn't ask for this when we bought our dream homes this company was forced upon us when they bought out our loans!

Requested a loan modification in nov 2017
Was told no problem sent to loss mitigation
Told my story was promised a modification
Told I was just the people who modification s
We're designed for.
In feb 2017 was told not to pay any more payments that those late payments as they will be added to the back of the modification.
We kept calling them and they kept on saying no problem, we are working on your modification, be patient. On March 22, a Saturday morning ( 7 am) The St. Tammany
police came to my door and served me wit vacate papers, and forclosure documents
And to be out by July 22 2017.
It forced me to retry another Leander, cost me $9800.00 they took my money and vanished

I spent over $5000 with mr cooper for the modification I never got!
I lost my home of 34 years and $85, 000 equity.
I wish to join this group of preople who also lost their home in a class action legal suit!
Kenneth F.Simon

The website was down for maintenance yesterday and supposed to be up at 10AM today. It's now 7pm CDT. I log in with my saved credentials and get a 404 not found error. The customer service number is NOT listed on the website, but I found it via Google. I called customer service and they are closed.

Mr. Cooper has put up every kind of roadblock to releasing my flood insurance money from escrow. I swear they are making a lot of interest off of people's money this way.

Every time I call Mr. Cooper about the new paperwork requirements, I get transferred around 2-3 times. Frequently the call mysteriously gets dropped during one of these transfers, and I have to call back and start over with a new customer service rep.

My flood insurance settlement came in February 2018. It has been like pulling teeth to get any of the payments, despite having uploaded the correct documents (I call first to make sure I have the correct documents before uploading).

I passed the final inspection October 4, 2018. Still don't have my final payment of over $38, 000.

After our bankruptcy was finished our mortgage was sold to Ocwen. We have always made our mortgage payments on time every month and still do. We started getting harassed by Ocwen about fees, Insurance and property taxes, all of which we pay on our own and on time. Ocwen sold our mortgage to Mr Cooper we were still continually harassed several times a month. We finall have in and paid them a lump sum of $900.00 which they said would bring our mortgage current. Even tho we paid our mortgage every month and on time. The very next month we started getting letters and phone calls we were behind again on our payments. We have tried everything to resolve this but to no avail. Every complaint I have read on here is exactly what we have been going through for years with this company and it's time to take action against them!

PETITION ON CHANGE.ORG

"Stop Nationstar Mortgage (Mr. Cooper) from targeting Federal Home Assistance Programs..."

https://www.change.org/p/federal-bureau-of-investigation-stop-nationstar-mortgage-mr-cooper-from-targeting-federal-home-assistance-programs

Brief Summary:

Please we need to get the WORD out and stop Mortgage Corruption. Nationstar Mortgage dba Mr. Cooper is pulling the PLUG on people getting Federal Funding Assistance, like Keep Your Home California, and then Foreclosing on their homes unlawfully and illegally.

It's easy for them to do! They register with the Federal Government to accept the funds (Participating Servicers) and then they stop accepting the assistance righ in the middle of the funding cycle and without giving YOU and Notice! You get a cancellation letter and a foreclosure notice that will soon follow.

This is a totally fraudulent act against the people of this country and the horrible thing about this is the the Federal Government has a MOU with these predators and it states in the FIRST paragraph, that the can not do this (Stop Accepting) the assistance.

Please help me GATHER signatures to make a class action complaint to the Federal Government and request a CONGRESSIONAL HEARING into this matter.

The website is not loading and i am trying to make my payment, i like electronic records and so that i can see all my payments posted and give extra principal. I do not like dealing with customer service by phone. If it is not up by the end of the day, i will have to just make the payment by phone, but i hate doing that. Get the website back up! Also the mobile app isn't working either.
Sept4, 2018
8am EST
Julie Lewis

Well I'm the son of one of the most loving, and kindest mother there is. Never complaines about a thing. Until now. We have been paying this mortgage company an outrageous amount of money on a 37000 dollar mortgage she will at the maturity date have paid back 140, 000 dollars. Now talk about taking an old lady to the cleaners. And to make it that much worse they want let her make a payment. They want answer her phone calls. They want talk about the situation to her at all. They did send the sheriff's department to serve her the forclosure papers. But that isn't all there doing. If anyone finds this article interesting please let me know. Thanks for reading.

eral years ago my wife and myself refinanced our home through nationstar (mr cooper). Nationstar had put the loan as a balloon payment. The balloon payment due this July was $48, 000. After trying to work with Nationstar to refinance the balance they said there was nothing they could do. They are going to take the house. I am going to be 70 in a few months and my wife is 69 this month. My wife and myself do not remember them telling us there was a balloon payment due after several years, which i understand is my fault for not reading the fine print. My complaint against them though is when they wrote the loan knowing my wife and myself were both on disability, had no savings in the bank, no other assets, we lived from month to month. I don't understand how a mortgage company can write a balloon payment, due in several years, to somebody who they knew would have no way of coming up with the $48, 000 in several years. did they think we would hit the lottery? Now I am wondering if there is anything i can do to stop them from taking the house? I wonder if i should hire a lawyer?, though that is expensive to do. Its a shame there are predatory companies out there that will do anything to make money.
Tom and Cathie
God bless america

This company opened an escrow account without my knowledge to pay insurance premiums that were already being paid by me. When those payments bounced back to the lender, they kept them and the account open meanwhile using my principal and interest payment to add more to the escrow account. They reported my payments as only partial payments to the credit agencies dropping my credit score about 150 pts. I was never called or contacted during the 6 months this went on. I only found out when I applied for a car loan and they ran my credit. Now they say it will take 10 days just to review the problem. Very shady and dishonest. This error on their part will take me months to fix. Don't use them.

Hello,
My name is Karen Asch at 434 Buchanan Avenue, Kalamazoo, Michigan 49001.
Email: [protected]@hotmail. This is about my property at 913 Egleston Avenue, Kalamazoo, Michigan 49001.
Hopefully i don't miss anything third time i am trying to submit, thank you.
I never had a problem with my mortgage when First of America had my mortgage from 2008. First of America worked with me even when i broke my wrist and couldn't work for 6 months. First of America was forced out of Kalamazoo, and my mortgage was sold to Nationstar.
Then the problems started. Nationstar deleted my insurance from the paperwork in the first month.
I fell on a period when drug addicts were in my apartment. It took time for the courts to get them out. I stayed in touch with Nationstar. I wprked 2 to 3 jobs to keep up.
I missed September and October 2017 payments. I sent a payment on November 1, 2017. I kept in touch with nationstar from September 2017 calling them.
On November 1, 2017 when i told Nationstar 510 dollars was on its way and should be there we set up an agreement to pay 1, 150 dollars on December 15, 2017. I sent the 1, 150 through bill pay for December 15, 2017. On December 18, 2017 the money was back in my account so i called Nationstar. Nationstar said they changed the amount to 2, 049 on December 14, 2017. After arguing that that was not legal, we set up an agreement to pay 2, 049 on December 29, 2017 ( my next payday). Nationstar refused payment again changing the amount due on December 28, 2017. Nationstar then told me to do a modification and they would mail me the forms. I completed the modification and sent Nationstar everything. I called Nationstar each time to make sure they recieved it. After the modification i always got a cierra greens voicemail and she never called me back, i had to fight to get an operator. Nationstar claimed they could not process my modification because my senior services paycheck did not have year to date deductions. I faxed them my paystub many times. My boss printed them off 1 for me and marked them.
February got tough with the weather and delivering mail. Nationstar picked my busiest time of year for this. So the end of February i heard nothing and thought everything was set. I called nationstar the first week of March 2018 to be told that they foreclosed on February 15, 2018 that they were tired of messing with the loan and that i should have known that. Tried arguing again to no avail.
I have been to banks, lawyers, etc. Everyone tells me i have a great case and that it should be overturned. But nobody will fight for me because they know how Nationstar lies, cheats, and looses voice recordings.
Nationstar also changed there name to Mr Cooper. I don't want them to steal my house. I feel behind in bills due to the drug addicts but everyone worked with me and everything is caught up in full except Nationstar because they won't be honest.
Thank you for your time.
Please help!
Sincerely
Karen Asch

On march 8, 2018, I wired $228, 052.00 as a mortgage payoff - this was just 8 days after our march 1 regularly scheduled payment had been made and processed. Instead of charging us $187 for 8 days of interest, nationstar charged us $714 for the entire month of march on the entire unpaid balance - 23 extra days interest on funds they had in hand - or $527 overcharge. We have had numerous conversations with them regarding this matter and they refuse to make any changes and/or refund the excessive interest. They maintain there was still a small balance due on the contract which would have no bearing on how the interest was calculated. The remaining balance would have been $527 less if they had only charged for the 8 days they were entitled to. Subsequently, they sent us a payoff quote and I overnight express mailed a cashier's check to them. Later that day, they sent a new payoff quote for $410 more than the first one, maintaining I would once again have to get a cashier's check and overnight mail to them. Subsequently, (more than 2 months later), they have not removed themselves as mortgage payees from the property title and/or insurance policy. They are nothing more than loan sharks! No one should ever do business with this company and/or mrcooper - the name they now do business under.

They are charging me 811 a month for my house and only 199 dollars goes to my actual house. The other just says taxes and interest. Every time I am them about it they hang up or avoid my question. I have to request to speak to someone in the United States Every time I call. I have been paying for 7 years and the start of the loan was only 48, 000. They say I have only paid 10, 000 on my house and there is no way that's possible because I still have 8 years to go. They keep changing the monthly payments saying taxes are going up and insurance. I am just frustrated because no one will help my situation and Mr. Cooper has no interests in my complaints either.

I am making both mortgage and principle payments since December. They are getting them all mixed up! My 400 principal payment was listed as my mortgage payment! My mortgage is 900! So now it looks like I haven't paid. My mortgage payments are going in as principal payments so now as of today, April 2018. They say I owe for April! I have made copies of all of my bank statements, copies of my principal statements and a copy of what they say I paid.

mortgage payment payment 3/01/2018 $947.42 3/11/2018 rec. escrow statement stating new house payment will be $962.25 next day rec . new mortgage statement amt $993.18 called escrow department and was told taxes went up as well as ins then told I would have to pay in advance their anticipation of what my 2109 escrow would will be 70 this year taxes will go down next year because of this told them this told me they would mail me a check in 2019 if this is true this seems a large amt of money to me living on disability only

In October, I received a notice that Nationstar reported to Equifax that my July 1st mortgage payment was 30 days delinquent, which caused my credit rating to drop substantially. When I received my 7/15/17 statement I noticed that it showed I did not pay the July 1st mortgage. I immediately contacted "Mr. Cooper" and the customer service rep was not very knowledgeable. I was informed that although they did receive the mortgage payment on June 30th (the day before the payment was due) due, they applied all funds to principal, rather than the mortgage payment itself, which caused my account to show 30 days late. I contacted them again on October 12th when I seen my credit score drop and was told that they did not make a mistake. I asked for a manager but the agent put me on hold and then got back on the phone. I asked that they immediately notify Equifax to remove the incorrect information they provided and to send me a letter confirming same. She agreed but Nothing was done and my credit has been adversely affected. In the past 50 years I have never had one late payment. They clearly do not know there business nor do they care about customers.

this is one of my letter to Nationstar - now known as Mr. Cooper:
I received calls but no written explanation.

I am writing this letter with great concern, stress and frustration! I started the modification process December 2016 and to this day it’s been a nightmare dealing with the incompetency of this company. I am so upset I can barely write this letter. I previously wrote a letter July 5, 2017 with no written reply from your company however I did receive a call from my assigned loan specialist Tawandra Jenkins to advise me the reason for the delay and apologized for the inconvenience it has caused me.in a follow up conversation with Tawandra Jenkins, loan specialist she advised me that due to all the trouble and misinformation I had received from SEVERAL customer service representatives, my interest rate was reduce and there for my new payment would be $1696.50 which would be due September 1, 2017. I specially ask would this be the final adjustment and my permanent payment and was told yes I called the call center and advised the representative that I was trying to schedule my payment for September and the system would not allow me to make the payment. The representative told me that I had to wait for my document to arrive. I was quite confused since I did receive the document stating my payments of $1696.50 and they were signed and faxed. The representative further stated that he did not see any payments due and to “hold off” on making any payments. On 8/27/2017 I went online and still there were no updates. I planned to call on 8/29/2017 when I arrived home from work and I had a fedex delivery from nationstar/mr. cooper. Needless to say I was taken back by the language in the modification. The payments are different than I was told and signed for and the amount of my mortgage increase to $1723.94 in addition to “new money” in the amount of $15, 056.26! When I started this loan modification my loan balance was $204, 036.29 and now it’s $219, 092.53! The purpose for the loan modification was to reduce my mortgage and now according to your company I owe $15, 056.26 MORE! Due to the mishandling of my modification loan I have be jeopardized both financially and emotionally. My credit score went from 700 to low 500 my credit has been denied and some credit cards reduced my limits. All because of the unprofessional mismanagement of my loan. I can’t tell you how many times I called with concerns in regards to my payment and modifications and the negative impact it has had on me both personally and financially. Only to be told by the representatives that I didn’t have to make any payments until I received my “packet”. Or they didn’t see that any payments were due at all! And now to find out they your company had determined that I now owe and additional $15, 056.26!
I am demanding a full review of my account and also a rate reduction.in addition to reporting to the credit bureau corrections about delinquencies! And can someone define “new money” – it’s certainly new to me and beneficial to your company. This is supposed to help people and all it did was ruin my credit and emotionally drained me.

I have enclosed again my letter dated July 5, 2017 to refer to.
I would like this to resolve asap. Because of many delays seems like I’m paying for the incompetency and mishandling of my loan. If you look at my previous payment history I was consistent with my payment now my rating is disastrous.!
How did this process help me at all?

I anxiously await your written response!

This institution prides itself on customer service what a load of CRAP, we are currently underwater when all these institutions got fat and happy in 2005 and got bailed out I'm struggling every month, no Fanny Mae or Freddie Mac which helped a lot of people I have neither, $2400 a month and $1900 is finance charges and I'm at 6.99% and you call these people and they say nothing we can do, last time I said I'm sure you would do something if I couldn't pay, what a real disgrace !

nationstar stold my home we help homeowners suceed they would never send me statement they do not hold the note about 7 counts of fraud i asked to have my payments reduced they went from 1004, 41 to 1458.00 during this time i was taking care of my dad with pancreatic cancer taking care of my mom taking her to and from dialysis 3 days a week for three years and while doing this i had 3 shoulder surgeries 2 replacement on shoulder left and right hip replaced rt knee surgery and then a rare open heart surgery where my aourta had to be repositioned and forced me to retire nationstar is responsible for someone from anderson construction his name was eric anderson coming on my property that was clearly marked keep out i told him to get the hell out he kept saying oh you want to fight and he kept taunting me to throw a punch i just said get the hell out of here then he pulled a limb off of a tree kept jabbing me in the chest where my staples are from open heart surgery later that day i collapsed and rushed to er and have had five drs appts this incident was recorded in the hospital report so look at my story do you really think nationstar wants homeowners succeed no thats why they have to change their name to mr cooper and to think you and me give them billions of taxpayer money in a bailout they were supposed to help homeowners they didnt the only person that became unjustly enriched was their chief thief and ceo jay bray

On July 7th I made my first attempt calling Nationstar's Flood Loss Claims Department. This was my first interaction with Nationstar, as my mortgage had been sold from PNC. I had an ICC check (Increased Cost of Compliance ) to be endorsed. This check was written from the Wright Federal Flood Insurance Company. The check was written to Nation star as well as myself. I had elevated my home to reach the new elevation standards developed by FEMA This elevation needed to be done because I was substantially damaged during Super Storm Sandy. A simple endorsement became a complete run around. I was part of the RREM program and received a grant to raise my home. In accordance with this plan, site inspections are completed, and a considerable amount of documentation from the state is completed and required. . All of this made no difference to Nationstar. Their "policies would not allow" that a simple endorsement be made. I needed instead to attain and send countless numbers of documents to their Loss Claim Dept. Items which I could supply through the state government run program were denied. No one at Nationstar had any familiarity with the program and I was consistently switched from person to person. I was disconnected(or hung up on) four separate times. When I asked one individual who referred to himself as JM to speak with a supervisor, he indicated none were available. When I asked for the name of the supervisor he was talking to get input from, he refused to give me a name. He had at least put me on hold 5 times during the phone conversation. I continued to call on Monday July 10th. This required 4 separate calls as I was disconnected again. This check was not for construction being completed as I have a CO as well as a final inspection through the state of NJ. But Nationstar, refused to accept this inspection, and I now need a specific one from them. This policy or process with Nationstar will now require up to a month to complete and then I will need to request an endorsement on the check. Who knows how long that will take once I finally can ask for the endorsement. Throughout the entire process to rebuild my home after being devastated by Super Storm Sandy and handling checks that needed endorsement, I have never run into more of a nightmare. This company has done nothing but cause complete aggravation for the past several days and I will still be continuing for up to a month as I complete their requirements. The staff in the Loss Claims were uninformed about this process with several even indicating they had not heard anything about this program or what I was talking about. Completely unacceptable.