Mr. Cooper
reviews and complaints

Our home caught fire. We have a small mortgage on our home. thru Nationstar. The loss department are the worst. You never speakto the same person twice. Everyone has different answers . They constantly apoligize but state that it takes 24 to 48 hours to get an answwer. Three weeks later still no answer.
They have our insurance money and will not release the funds as orginally stated. Each time they find excuses for holding on to it or they find that it doesn't meet their criteria. They are the most inept company that I have ever had to deal with. Never choose this company for your mortgage They want your money but they are of no help when you have a real problem. At this point I must pay an attorney to help with this mortgage company.

Nationstar mortgage is horrible. After being laid off of my job, I was late on one payment. I contacted nationstar to try to work out a payment plan. They said they could not help. Then, they sent someone to my home, which knocked on my door on a sunday evening. He also put a note in my mailbox, which is felony offense. Customer service is horrible! Everything about this company makes me cringe.

After purchasing my home loan from Flagstar, they have consistenly displayed their incompetence by losing my payments. They charge for online and phone payments. The only option is direct deposit or mail in. You can forget direct deposit, I'm not letting them near my bank account. They don't mail their statements in early enough. They harass me with automated phone calls for payments they have already recieved and they even charge me late fees for payments already received.

Back in April, I was having financial problems. I call Nationstar and ask what options do I have with my April mortgage payment. They suggested that I talk to the repayment plan department to see if I qualified to do that. I talked to them and they came up with a replayment plan for me. After agreeing to the replayment plan, (a third of the april payment added on to the next three payments), I asked if that was all there was to it. I was told yes, make the next three adjust payments, and I would be fine. So it came to my suprise when I was notified that my credit report had change. To my horror, Nationstar had reported that my payment was 30 days late. If I had known this, I would have never agreed to this so-called payment plan and figured something else out. Doesnt seem like this is too much of a payment plan. Especially when Nationstar doesn't tell you everything. I tried to talk to customer service about it, but was given the usual "this is nothing we can do, and you should make your payment on time" speech. I didn't like being talked down to. I thought I was trying to do the right thing by working with Nationstar, but I got screwed in the end.

This is the worst mortgage company I have ever had to deal with! My mortgage was sold from gmac to nationstar mortgage and each year they tell me I have a shortgage in my escrow account. The 1st year I was short $9.57 I sent a check for $50.00 and my mortgate continued to go up. The 2nd year I was short $58.00 and I sent a check for $100.00 and my mortgage went up again. This year they said I was short $628.00, but they were holding & 278.21 in an account because I always over paid my mortgage. I ask them to apply the $278.21 to the shortage and I will pay the difference of $350.00. To stop my mortgage for going up over $100.00. I was told after I paid the difference thay they could not apply any of the money to my shortgage. So for 3 years my mortgage has been going up and up and now I can't afford to pay. One of the managers has even went as far as offering me a refund of $300.00, because they did not do what they were suppose to do. No one there would give me a straight answer and all the managers are either not in or they are headed to a meeting.

I had the misforune of having citimortage sell my mortage to nationstar in 12/10. I made the mistake of applying for a loan modification in 3/11. After being turned down, I called and asked why. They said that I didn't meet any of the qulifications. I told them "what about my wife passing away" and they said they didn't have a death certificate (which I faxed them with all of the other paperwork) when I told them this, they said that they had found it, but I would have to resubmit all of the papers again. Now they're charging me escrow & insurance which I never authorized. My payment is going from 1, 800 a month to 2, 500 a month. I was turned down for the modification but they're still doing this. Now they're charging me late fees, because I won't pay for the escrow & insurance. It's a "FLIM - FLAM" company

I came to Nationstar not by choice, but by default. My husband and I attempted to refinance with Citimortgage way back in May of 2010 and were denied every program basically because we're middle class--we either made too much or too little to qualify. Then they had us apply for a loan modification and if I knew at that time what was going to happen, I would have just walked away from the house regardless of how much I'd have to pay in taxes. First, it took six months for the paperwork to be finalized because EVERY single time we sent the "last missing document", they called us back and asked us for some other ridiculous document or asked for documents that did not apply to us, such as self-employment profit/loss statements of which neither of us would have because neither of us was self-employed. Finally, literally TWO WEEKS after we sent the official last document to them, we get a letter in the mail the first week in November 2010 stating that our loan has been sold to Nationstar Mortgage, a company we'd never heard of before and did not sound all too reassuring.

So now we go through the runaround with Nationstar. Citimortgage had an obligation to forward our documentation to Nationstar, but Nationstar claims it was never sent while Citimortgage swears they did but can't help us because we are no longer their customer. So there we were in the same position as May, surfacing tons of paperwork to resubmit to them. I asked if we would just send what we sent to Citimortgage and they said yes that was fine. We send everything, keep getting notices that we're missing this or that, send this or that in, and when everything was sent, they decide all of a sudden they need more current documents. So we went through the same deal of constantly being asked for "just one more thing" until finally our account was said to be ready to move forward for application. First, we were denied a HAMP loan modification because they claim our housing costs weren't above 31% of our salary. I did the math and our housing costs are at 43% so I don't know how they figured that out. Then they apply us for a "Mod 24" which I still don't fully understand, but they did offer us decent terms on the phone and a 3-month trial period beginning April 2011. We were told after the 2nd payment we'd receive the paperwork to be signed if we were approved. Well we got approved, but did not receive paperwork. Our account manager explained only the HAMP loans receive their documents before the 3rd payment and we'd have to wait until after making the last payment. We were skeptical, but decided to pay. So here we are, June 13 after making all three payments well before they were due and I get a call today saying we will not be receiving our documents until July. I lost it on the poor woman. Today is my due date to have my first child, because of Nationstar murdering our credit score we could not get a lease on a new car, and we have poured countless time, effort, and money into making small upgrades to our home so it would be ready for a baby. All that combined with a year's worth of fighting with banks and mortgage companies meant this woman called on a really bad day. I unleashed saying how ridiculous this has gotten that every month it's a different story or the same promises that do not come true and how this company is preying on honest, hard-working Americans who had no intention of ever defaulting on their mortgage but were adviced to and essentially forced to just to QUALIFY for one of these programs. If you say we will get our agreement in the mail in June, I should have it before my July 2011 payment is due. They are extorting us for another payment and my gut tells me that come July, they're just going to deny us this modification after everything we've been through and we'll be forced to walk away from the home we thought we'd have our first child in.

So I say this company is completely fraudulent and trying to extort money out of people as long as possible, but really what they aim to do is frustrate you to the point of foreclosure because you start to feel that is your best and only option left. If we do not receive our documents next month after paying them again, we are going to consider foreclosure or a short sale and get as far away from this company as possible. They seem all nice and helpful on the phone, but I don't buy it anymore. This is flat out stealing, extortion, and predatory practice. There has to be something people can do to expose this company and get the help they need and deserve from the government. It's sickening to me what the taxes are on my property considering it's a condo with no amenities whatsoever (no pool, tennis courts, or anything like that) in a small town with no high school. We're getting taken for suckers and I'm really sick of it! What can someone like me do in this situation? I have too much pride to just walk away, but I feel there's nothing left to be done.

I am struggling to keep my home. I am behind in payments. Had a modification done 2 years ago, didn't help a lot. I fought to get that approved, constantly calling them. The modification changed my monthly payment from 2100 to 1850. We had loss in income and I have medical issues. Now that I am behind, they threaten if I don't get 5600 to them by July 8, my house will be in foreclosure. I tried working with them, last month I paid 2575, 1850 to the mortgage payment and 700.00 towards my delinquency. I am truly trying, but each time I call to try to make arrangements, everybody is so RUDE & THREATENING.
I m about to call them now and see if they will try to work with me.
I got behind when they posted money that I had in the account towards my mortgage payment. A customer service person told me about this money I had. 6 months later to find out the money could not be used towards my payment. Therefore, they deducted the amount without sending me a letter explaining what had happened. This is the kind of company they are. They never admit to making a mistake.

My wife and I live in FL where the housing took a huge nose dive in 2017. We bought in 2017 at 220K using Flagstar. Even though our loan was fixed our payments kept rising. We submitted for a loan re mod because of paycuts and job slow down. We went through hoops and jumps and were just about to get qualified when our loan was suddenly sold to Nationstar. Nationstar said they saw no process of re mod and that we would have to start over. What I did not understand and knew it would bite us in the end was that in order to re mod your home loan you could not make any payments. They said if you pay anything it cancels any progress of remod. Crazy. Well after talking to cust rep after after cust rep we finally had a person say the Nationstar made a mistake and entered in my wife's income twice! We actually made it...a re mod went through...BUT our credit is screwed because without our knowledge submitted a foreclosure on our credit score, there are numerous unexplained charges on our bill. Legal fees, processing fees, a tacked on 5K that is not even labeled. Wow what a great deal...what is our rights as a borrower in the situation. My next step is to seek out legal advice. Wish me luck.

In 2007 a mortgage was taken out by a man claiming to be my husband. I was still in shock over my spouses untimely demise on 8/28/2004. I was hospitalized when I found out about this mortgage, The payment was more than my disability check. They would not go after the co-signer (actual person who took it out) nor will they attempt to find him.. They should have every record gone over by the Feds to stop these predators!

Nationstar Mortgage is one of the biggest rip offs ever! If you can avoid using them, do so...AT ANY COST! Forget them working with the consumer to try to get on track, they freakin screw you every chance they get with every fee they can. This nation is going to hell in a handbasket, because of corporate America's greed. No matter how you try to make a payment, with the exception of using a check, they charge you! You make a payment with a rep to avoid a late fee, they charge you! You make an internet payment, they charge you. You try to breath, they charge you!

I contacted Aurora at the end of 2009 when my mortgage payment was going up by @300 dollars. At the time my husband was out of work and had lost his business. I was told that they couldn't not help me until my payments where past due. I waited a couple of months and stated I needed some help, that at the current time could not afford the payment increase. I then went into a forebearance agreement which was to go through July 2010. During that time I sent document after document paid my forebearance payments on time and did what was asked of me. At the end of the contract, Aurora stated my loan was still in review and to continue to pay my forebearance payments. I called periodically to check on my workout status only to find out my loan was still under review. I occasionally got letters stating that Aurora needed information which was already sent to them previously but sent it anyway. It has been 14months since I started this process and just found out that I was denied a HAMP because my gross income is more than 31% of my 1st mortgage, insurance and homeowners dues, etc. Now, this is based on a simple math problem that takes only a moment to calculate, meanwhile my past due payment are accumulating. Now I am told I am approved for a tradional home modification for an amount that is greater than my payment was before I started this whole process over 14months ago! This to me is insane and should be illegal! I have gotten conflicting information from every representative I talk to at Aurora. I need advice on what to do. Does anyone know at this point whom I turn to? Thank you for reading.

Nationstar (Ns) is debt collector... They service nothing!

Ns reps refuse to identify themselves by more than a first name, sometimes a bogus extension number. You can never reach the same person you spoke with previously. Hold times are ridiculous... Then we must identify ourselves all over again.

Ns failed to produce payment history on my account for life of loan as I requested (Citi mtg previous lender). My loan was established 7/07 with citi mtg and ns took over my loan 11/10. Ns only provided history since that time (11/10).

They refuse to walk me thru fannie mae loan look-up process. I've tried numerous times to look-up my loan via this bogus internet service to no avail. I even tried contacting fannie mae direct and they referred me back to the servicer and released the call.

Banks and the american government should be ashamed of themselves... Losers!

After being approved for a HAMP loan mod through Suntrust Mortgage, we got sold to Nationstar in December 2010. Nationstar is even worse than people are talking about. They lie, cheat, and mislead you. They are horrible. The first thing they sent to us was foreclosure paperwork. They said that they had no record that Suntrust modified our loan and that we were 7 months behind. They have added outrageous fees to the sum of around $5, 000 in the last 2 1/2 months and cannot account for ANY OF IT! We are now fighting them in court over this foreclosure because of the fraudulent paperwork and missing documents. They have no proof they legally own our loan but are still trying to foreclose on us. If you ever do business with these people, RUN! File as many complaints as you can! They need to be put out of business before they take all of our homes!

Well I see I am not the only person that thinks Aurora Loan bank is crap. I have been, with the aid of a short sale specialist, trying to short sale two properties in Georgia. The customer service is crap their phone people are less than helpful and even when the paperwork is produced there is not a sole able to review it or make a decision. PLUS the attorneys Aurora uses get paid so much per foreclosure so guess what folks they have no incentive to try and work things out. I also own another property in California with Aurora, (not by choice they bought my loan)and guess what if things get worse that's the first thing I am going to do dump it. I will not bother to short sale because I now know the corrupt system aurora uses, I have sent letter to the State requesting that that bank no longer is able to do business here in California as they are so corrupt. I also am informing everyone I know all over the united states (I am part of a huge animal rescue) not to use this bank as they are fraudulently offering short sales and then do nothing to help it's all about insurance for their investors why short sale when insurance will pay for losses. they are rude ignorant of the system and have ulterior motives. I had a cash buyer for two properties and couldnt get to first base using an experienced short sale representative from REMAX.I originally tried to consolidate the two loans (first and second)and was told $15000 plus costs, who in the *** has that kind of money to get rid of a 2nd. Do yourself a favor stay far away from this bank. I now have a forclosure on my record and my wish for them is to have everyone read this and dump them. There were 8 nurses that bought in this tract in Goerga and they all are in trouble my advise to them has been just walk away do not try to short sale Aurora doesn't give a dam.

I knew I smelled a rat when my loan was sold to nationstar from dovenmeuhle mortgage company. I received a letter stating my mortgage is going to go up because of a low escrow balance and the state laws says there should be an escrow cushions *blah blah blah* i'm now convinced that these banks try to set people up for failures. Not me! Thank god I keep all of my documents for proof. When they purchased my loan they claim I had a much lower amount in escrow than I really had, but I have a statement from dovenmeuhle that states differently. It's only a matter of time before this bank falls like the rest. I believe in god and if anyone else knows the power of god they know not to mess with his children because he will deal with you! For the other people whom this back is robbing blindly hang in there. There is always light at the end of the rainbow. God bless. [protected]@aol. com.

After completing a Loan Modification with CitiMortage Nationstar purchased my loan. Even though I have the loan modificationn documents that were signed off by Fannie Mae and CitiMortgage, the acount resolution manager Michele states they hve decided not to HONOR the terms of the loan modification. They are threatening that if I do not make the payment I missed, even though I have documentation from CitiMortgage proving the payment was made according to the terms of the modification, they will begin foreclosure procedures. They hace ruined my credit! They are now acting more like a terrositic collection agency. I need any advice and assistance available. I am filing a complaint with the Federal Trade Commission, the Attorney General and Fannie Mae!