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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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7:04 pm EDT
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Mr. Cooper - setting people up to fail

I have tried and tried to deal with this company. Have even filed formal complains with my Michigan govenor. No results. Am trying one more time with Senators/BBB/Congressmen and if still no results, I am going to hire an attorney and file a class-action suit against Nationstar. Filed bk 7 years ago, and they will not send ANY billings/paperwork, nor can I...

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11:21 am EDT
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Mr. Cooper returing payments to my bank

For the second month in a row, Nationstar Mortgage has returned my mortgage payment to my bank. The first month, I learned that it now takes 5 days instead of 1 day to pay the mortgage automatically through my bank. I called Nationstar to attempt to find out way my payment was returned and was told, "I don't know." Interesting - how can they not know! But they very nicely told me I would not receive any late charge or returned payment charge. You have got to be kidding. When I told them I had never been late with a mortgage payment (ever) they told me my payment wasn't late YET! Well, I had my bank resubmit payment and low and behold it must have worked. So, I scheduled the payment allowing the extra time, and this month it was returned again. Where do I go from here? I'm dealing with people who obviously want my mortgage to be late or just plain don't want the money so then what happens? They foreclose. Somebody tell me what to do about this. mkuhlman

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Roseanne Jordan Largent
Azle, US
Oct 25, 2012 9:10 pm EDT
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can you refinance with another mortgage company to get out from under them before they ruin your credit like they have the rest of us? That may be your only hope! Good luck...

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6:24 pm EDT
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Mr. Cooper horrible!

What this mortgage company is doing should be illegal. Unfortunately, my mortgage was sold to them. Every month I get harassing phone calls before the payment is even late! This month to my surprise, no harassing phone calls, I made my payment on time through their website, and 5 days later I noticed the money hasn't withdrawn from my bank account. I login into my account to find out they did receive my payment and rejected it 5 days later. I tried calling today to find out why, and went through their ridiculous automated system only to find out it was after their business hours. I find it interesting that I haven't received any phone calls when it would be now late, and that they rejected my payment with no information ahttp://www.Complaintsboard. com/new_complaint/#s to why - same bank account, etc. I googled this to see if other have had issues and see that i'm not alone. I have a feeling there will be a class action law suit with this company in time, what they are doing is absolutely ridiculous. We have 2 other home loans on different properties and don't have any of the problems we face with this crooked company!

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Nationstar Sucks big time
, US
Mar 17, 2017 8:57 am EDT

My husband and I have been working towards paying our mortgage off. For a year now we have been making additional principal payments via the "make a principal only payment" link on their site. Guess what?! I have to call EVERY MONTH to make them correct the payments, because either they apply them as an additional regular payment or escrow payment. Not sure what is wrong with these people! Even when I call or email they can't seem to get it straight. I found a $500 unapplied payment on my account and when I asked them to correct it, they said it was addressed when all they did is correct a different $500 pending payment I had made. Just this last month I made 4 extra payments, ALL need to be corrected. They owe me the payment and interest I overpaid at this point. My mortgage was also sold to these ####, I would love to be part of a class action lawsuit! I can only imagine how many people they rip off by mismanaging their payments! Tip for everyone stuck with this organization, refinance somewhere else or stay on top of your payments!

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FlippenPO'D
Pineville, US
Jul 11, 2012 8:38 am EDT

They told us to get a lawyer.. That they could not give us any paper work stating that what our payment is.. Or what our bal is.. OR what our insurance bal is.. Nothing! We to have never been late.. Bull crap.. That is what this is..

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P. Bowers
Hughson, US
Jun 22, 2012 7:20 am EDT
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We pay our mortgage every month BEFORE it is due and haven ever been late, so what do you mean "you are not paying your mortgage by the required time"?

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P. Bowers
Hughson, US
Jun 21, 2012 7:07 pm EDT
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We have gone through hell with Nationstar Mortgage for about 2 years, and yes our loan also got sold to Nationstar Mortgage. We have never been late and in fact send our payment each month early. I believe they won't refinance our loan because they are getting 6-5/78% on it and if they refinance it they will definitely loose money. If there is ever a class-action lawsuit, I definitely want included!

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9:30 am EDT
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Mr. Cooper mismanagement by natiionstar mortgage

According to my bank, BB&T, they sent the money of my mortgage payment on time, which was rejected by Nationstar.on 6/8 and 6/12/2012, respectively. Today, 6/13/2012, I received not a pleasant call from a certain Patrick who questioned my attempt to pay my monthly mortgage payment. He asked me to call him back at [protected], extension 2112.
I found a note from BB&T, my bank, stating that they sent the payment to Nationstar and was returned since they could not identify the payment and payee... So, BB&T credited the amount of the payment back.
Now, I tried to reach Patrick, to no avail, since they are totally automated. Instead I was finally answered by another individual who asked me for my name and social security number. After giving this information to him, he said Patrick was not responding from his extension and I am being charged a late fee, injustly. So, I am writing a letter to the CEO of Nationstar for the poor service in processing my payment and the nastiness of their employees at customer service. Thanks. Domingo Jesus Roges.

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TheySuckToo
, US
Mar 04, 2014 8:27 pm EST

They suck, suck. Bank of American sold my mortgage to them and it's been on going issues ever since. They make up reasons to add fee to your mortgage, At one time they had 3 mortgage payments floating in their cyberspace and couldn't locate the money even though my financial institution verified they accepted the transaction and of course I was charged late fees. Now they are telling me I do not have home owners insurance even though my newest premium statement and renewal notice from the insurance carrier raised my premium $1000.00 in one year. To many tornadoes in Oklahoma last year.
Thanks BOA for selling me to the sharks. You suck too.

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6:22 pm EDT
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Mr. Cooper mortgage

nation star mortgage is killing my credit theey told us we were behind on our 'cushion' so theey raised my house payment from 1489.00 to over 2000 a monthe, theey wont work withe us. theey said pay 5600 to keep me up to date i sent it thee very next day theey call and said i was late, theere so stupid i sent it express mail and theey didn't open it til June 4the and i had it theere by thee 31st. They are crooks but theey will continue theis behavior unless we all join togetheer report theem to thee BBB theere is power in numbers so lets sink theem like theey are sinking hard working people just trying to keep theeir homes. i still don't know what happened so I am also going to attorney general. PLEASE LETS DO THIS TOGETHER LIKE DAVID AND GOLIATH AND WE ALL KNOW HOW THAT WENT DOWN

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terry-cossairt
Cedar City, US
Oct 29, 2011 5:18 pm EDT

We bought this home 6 years ago, (451 west 400 north, Moab, UT, 84532) It was a complete mess but we saved for 2 years for the down payment. We scrubbed and cleaned and painted, (inside and out) and landscaped, and bought all new window, and a new heating and A/C unit and duct work, and insulated it. We made it beautiful. During this time every dime we had went into this home. Our dream home. Even all of our neighbors stopped by and thanked us for helping to beautify the neighborhood. My husband is a 100% disabled veteran, . who is undergoing chemotherapy and also going to start dialysis this month. He has been very sick since the first Gulf War. therefore a lot of this physical work was done by me. Last year we had a run of bad luck with losing our parents, (who live in Cali and Oregon). We got behind by one payment. We spoke to Nationstar before buying airline tickets with the mortgage payment. We were told that not only could we skip that payment but that we qualified for a very nice modification if we didnt pay the next months payment. This scared us a lot, but we were repeatedly convinced that they were not trying to take our home, but trying to get us an even better mortgage rate and some money in our pocket that would help us with a kitchen remodel. We filled out the paperwork 5 times that they requested and then waited our 3 weeks as instructed. When we would get frustrated at not getting an answer we were told our case was turned over to someone new and that we had to resubmit the paperwork. This made us even more nervous as the months kept creeping by without any progress. Because of the many trips back and forth to California to help with dad's health, (there was no other help available), we spent those mortgage payments on the travel. Nationstar convinced us this would not be a problem, as the modification was already approved it just had not been signed off yet. They said these mortgage payments would be put on the end of our agreement, but that with our new interest rate, we would still be saving money. This went on right up until the day before it went up for public auction. I saw a notice on our carport and panicked. I called every single day, repeatedly asking why they were doing this to us. Why they wanted to take our house, that that truly did not make any sense. They said not to worry about the note posted, there would be no public auction, there was only one signature left to complete the modification, this was December 5. December 6, 2010, they put our house up for public auction. The next month we were served an eviction notice. Why did they do this to us? Now the house has been empty for a year. It is going downhill quickly as there is a flooding problem in the downstairs when it rains. While we lived there we contained this and built a eve..but that has been torn down and now with the back door left open, rain has been running straight down into the downstairs. We loved this house. It took until we were in our mid 40's to get our first home. We did not go on vacations, or to the movies, or out to eat, every dime went into making the house beautiful. When we first got the house, the whole downstairs was gutted. there was not an interior door and the front door had holes in it. The windows could be removed by barely touching them. There was no lawn, back or front yard. The backyard looked like a junkyard and was full of animal feces. We lived on my husbands 100% disability, and still managed to make the house gorgeous. This is so unfair, and is a daily heartbreak. Before buying this home we had a 10 year history of no late rent payments. I have relatives that are realtors that have been over the paperwork and tell me that what Nationstar did was illegal. We do not have money for a lawyer, but our relatives are not pooling their money to help us fight this. My husband may not last much longer with his cancer and failing kidneys, and I think this is a repulsive way to treat a man who served his country and lost his health at age 30. I am asking for you to set things right. One more time of asking for you to treat us with dignity and respect as we did you, . and our home. If you do not, then our best friends, the Taylors, who own the local paper will be printing this the first week of November. I have copies of all of our correspondence, both hard copies and email. Moab is a very tight knit town, and we are well loved for our charity work there. I will also print it all in blog and letter form on Facebook, meanwhile my father in law and my stepmom are going to help us wage a legal war. Do the right thing. Do not be known as the immoral company that took a dying 100% disabled veteran's home away from him. This is the time to do the right thing. Please do the right thing, Kathy Cossairt, 479 w. 2050 n., Cedar City, Utah, 84721, [protected]

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1:42 pm EDT
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Mr. Cooper will not accept online payment

Bank of America sold my mortgage to Nationstar several months ago. I was sending payments for several months without incident and all of the sudden Nationstar continues to return my payment to BOA with no explanation, yet after contacting them they say they have no record of my payment and that my payment is overdue. They want me to pay through them, with an added wire transfer fee. What a scam. Also, it's next to impossible to get someone on the phone at this place and emails I've sent have gone unanswered. I just called and went through their phone menu system, only to be hung up on. When you are lucky enough to get a human being on the phone, they seem to have no clue what they're doing.

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JOHN wESLEY jONES
, US
Sep 10, 2013 11:55 am EDT

Forgot mortgage password required for sign in. Mortgage #[protected] John W Jones 3926, last 4 SSN want to verify last payment ., phone [protected]

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9:37 am EDT
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Mr. Cooper lost payment

My loan was recently purchased by Nationstar mortgage and when I received my first statement it showed I owed and April and May balance. However, I was not aware that my mortgage had been purchased by them until I had already sent my May payment to Home Savings of America. HSOA shows that they receive the payment and forwarded it to Nationstar. I tried using the online email to tell them there had been a mistake and that I could prove that payment had been made, but no response. I then contacted customer service and they said I should send a copy of the front and back of my check to a fax number that never picked up. Two weeks ago I wrote a letter explaining the situation with check copies attached and still no response. I have received a statement since the letter was sent and my statement still shows a past due amount. They continue sending letters threatening forclosure, but my payment have never been late. What else can I do? Can I ask them to sell my mortgage to someone else?

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helpingotherswithmtg
San Andreas, US
May 22, 2015 7:52 pm EDT

So then you need to check your bank to see if the funds were withdrawn from your account. Have your bank provide you documentation and then provide it to Nation star. Because they only took on your loan they didn't know you sent a payment. You have to follow up with theses things. They sent me q welcome letter which arrived shortly after my goodbye letter from BOA. And yes you have to provide current and active insurance and pay your county tax otherwise they will add their own which can never be taken off. They can even force private mortgage insurance and its all in your agreement. Hope this helps.

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1:57 pm EDT

Mr. Cooper no customer service or assistance

My mortgage was also purchased by these folks. Recently, I have asked that they sell my mortgage to someone else.this company stinks. I refinanced the house when interest rates began to drop. As part of the original purchase, I took out a second to avoid mortgage Insurance. This second has an interest rate of 10.%. Since I had to move based on staying employed and no longer live in the home they won't refinance me. Based on this relocation, I closed out the auto withdrawal payments I had set up. During the last 4 years a payment was never missed. I have tried to get both accounts set up for bill pay and payment thru their web site. This is a joke! No help-other than computer generated form letters. I paid extra to make both payments, including late fees, payment fees and a returned check fee-because their auto withdrawal payment was declined when I closed out the account. The person I called charge me a service fee and then made the entire amount all on just the mortgage alone. No second payments. I was informed that from this date forward I was only to contract them in writing. So I sent an email to request they set up the second mortgage on the payment web site. I get no reply so I sent another. Finally I get a response in my email. Apparently I was suppose to check their website email. With all this occurring, I get a collection call from them saying I haven't made a mortgage payment in 3 months. What! So now they want to hit me again with late fees again for their automatic computer systems-and again piss poor customer service to assist you. Everything is set up by computer and the customer service group doesn't listen-cause they know more about your mortgage than you do. Heaven help you if your mortgage really got balled up. You'd never get it corrected.

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helpingotherswithmtg
San Andreas, US
May 22, 2015 7:43 pm EDT

You can set up bill pay through your bank. You can send in a check. You can use bank to bank wire. You can make a pmt over the phone. You can make a payment online. If you do not sign up for ACH payments indefinitely which is an actual button on the website. So it could be possible your ACH payments expired. The customer service departments for all MTG companies are trained to know more about your mortgage than you do. There are different investors different servicers different types of loans different terms. Hope this help.

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9:47 am EDT
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Mr. Cooper robo calling

Nationstar will robo call customers on the 4th or 5th of every month, even with customers that have never been late!
This is a very unprofessional company that is in a much lower class than other other mortgage companies. Unfortunately they are my current mortgage servicer since my mortgage was purchased from the professionals at bank of america.

Most professional banks and mortgage companies will allow until the 15th, 16, or 17th of the month before they commence with notifications of late payments. Nationstar has robo called my cell phone as early as the 4th of the month and will vigorously call multiple times per day. This company originated as a debt collections company, but unfortunately is not aware that customers actually do exist that are not delinquents. Having never missed a payment since they purchased my loan from bank of america, they execute robo calling starting on the 4th of every month makes them a very sub par company. I can not wait for my re-finance process to complete (With a different lender of course) so I can move onto a different servicer. They are the worst.

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Craig Starr
Danville, NH, US
Jan 05, 2016 12:46 pm EST

Exactly the same problem as previous complaints. Robo calling soon after the 1st of the month (most recent was the 4th), despite existence of a standard grace period in my original note. Cease and desist orders (these are court orders issued by a judge!) should not be required to stop this out and out harassment, IMHO. I will consider contacting my attorney general's office, but am unsure if this would just be wheel spinning if NationStar is playing JUST within the law somehow. No doubt they have legal counsel helping them to stay just under the radar. Please add me to the list of pissed off, not going to tolerate it any more, mortgage holders (with no late payments).

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Robyn Tyus
, US
Oct 15, 2015 2:51 pm EDT

I have this same problem! My mortgage was also sold from Bank of America to them and I have always paid around the 14th due to the grace period. They've called at 8pm at night before and call every month and when I ask them not to they tell me I must send in a cease and desist letter as they don't have to honor my verbal request.

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IAmSoDone
Columbia, US
May 21, 2012 10:13 am EDT

I agree! If we as the homeowner do not put a stop to this, no action will ever be taken. I intend to email my state's attorney office about this as well as the state Consumer Affairs office

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EMF19
, US
May 09, 2012 4:53 am EDT

I have the same problem since my mortgage was sold to them from Bank Of America. Finally last month I went off on the person after the third call within a 30 minute period. They claimed it was a 'convenience' call. I'm sorry but calling me 3 times in a 30 minute period without leaving a message is not a convenience call. I told them I wasn't late because I was allowed a 15 day grace period that they shouldn't be calling until after the 15th of the month. All the CSR could say is that my payment is due on the 1st. I told them if they call me again when I'm not late then I will contact my attorney general's office. She claimed there was nothing she could do because everyone who hadn't paid by the 1st automatically came up in the system. I still plan on contacting my attorney general's office because what they are doing is harassment on something that is not late. Anybody else who has this same problem should also contact their local attorney general's office. Enough complaints should put a stop to it!

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7:11 am EDT
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Mr. Cooper crooks

Laid off in oct 2009, unemployed for 1-1/2 yrs. Tried to get loan modification. Took 1 yr for them to even start the process, even though all paperwork they requested was sent. Last year gave me 6 months deferred pay'ts at reduced amount. Paid all 6 payments over amount requested. Found out this year that they didn't defer any of the payments, did not modify & charged me late fees. Tried again to get modified at the end of 2011, assured me that if I made 3 monthly reduced payments that I was already approved to be modified. Paid payts still no modification & I am now according to them 9 months behind & they are talking foreclosure. Customer service is terrible, they are rude, do not as a rule know what they are talking about. Specialist that gets assigned to your case will not return calls. Loan is due to be paid off as of may 2012. Went to lewisville to talk to someone anyone, they refused to talk to me, could not give me a pay off amount. Called last week so I could wire money to them to pay off (Borrowed $) won't tell me an exact amount. Wired money friday, they have as of this am, not posted to account. No clue if my loan is paid off or if they are going to add more bogus charges to account.

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get to the point
Conyers, US
May 03, 2010 7:09 pm EDT

Why are we allowing this Company to continue with this disgusting behavior as consumers we are all familiar with Lawsuit and Class Action is needed here

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B Boman
Jacksonville, US
Aug 28, 2013 8:22 pm EDT
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Purchased home in Florida 12/2006 with Suntrust. Suntrust then sold the mortgage to Nationstar mortgage company. Our income decreased back in spring 2011, actually more than once, so I contacted Nationstar to propose a mortgage modification but they would not help at all citing since we were then current on our payments they would do nothing. We stopped paying our mortgage spring of 2011 and retained a law firm in Florida after nationstar sent modification paperwork, which I completed and returned, that they later claimed to have never received the modification package.Have stayed in our home without making a payment for over two years now but recently a final judgement was issued stating the house will be auctioned 12/2/13. We made an effort to work things out but Nationstar pretended to be willing to help but never came through because mortgage companies really do not want to help out honest working class people especially when our government makes sure they get their monies anyway. We had an option to go to court to continue fighting the foreclosure however even if we won the case nationstar could refile for foreclosure at a later time so we just gave up. Florida is a recourse state so if nationstar comes after us for the remaining balance we will have no choice but to file bankruptcy. Little people never win!

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www.amazon.com/shops/bundlemania
Bronc, US
Jun 08, 2012 9:54 am EDT

I've just received a notice from Nationstar with a Mortgage increase. Basically, when my mortgage was sold from Citibank, Nationstar added PMI on top of my mortgage, increasing it to about 300.00 more. I knew for sure that I was paying it with Citibank, I even scanned it and included it with my letters to Nationstar, Federal Trade Commission, and The Attorney General. If you own a Co-op, you are not supposed to pay an escrow in NYS. In any event, Nationstar is supposed to send me a letter that I am supposed to sign and return for a REFUND OF ALL MY ESCROW WITH INTEREST! Also, If you are black or hispanic, you should have received a settlement letter from Citibank for over charges. Call [protected] or [protected]. This the law firm that sent me the letter, but they won't pick up the phone. Let everyone on Facebook, and Twitter know that Nationstar is a predatory lender and request that your mortgage be re-analyzed. Also, if you own a co-op, ask for a escrow refund and Let's sue these ###. We are smart consumers.
E Williams
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Maria Hutapea
Jamaica, US
Nov 11, 2011 10:21 pm EST

My mortgage just tranfer to NATION STAR, when I want to make a payment the did not want to accept. Let see what happen

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6:54 am EDT
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Mr. Cooper unfair business practices

I have been dealing with Nationstar Mortgage for two months. They consistently delay paper work, they lie about receiving paper work. I have documentation of
5 FAX's that I have sent to Nationstar. Either their employees are illiterate, lazy, or being told to use delay tactics so that they can deny the loan after 3 months. They are my current home lender because they bought my loan from BofA. They do not return phone calls, their supervisors refuse to come to phone and deal with any issues. They accepted buy out money from the tax payers and then refuse to use any of it to help the ones who bailed them out. In approximately 2 weeks time I will be denied do their incompetence. Then I will be forced to begin a law suit against them and their employee Amber Leeann Holligan ID# 71166.

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wlvs
rockf, US
May 07, 2012 6:20 am EDT

Look out anyone who deals with this company. I tried to refinance with them and was denied yet it is not uncommon if you are within the grace period that they call you as many as six times a day. This is the worst mortgage company out there how did they ever get bailout money we should as a nation get to choose which companies get help based on how they treat their consumers.

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8:23 am EDT
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Mr. Cooper collection calls to neighbors

Nationstar mortgage called me at home on a registered do not call phone to ask me to deliver their collections message to a neighbor. This is a very questionable practice, in very poor taste, a violation of privacy and illegal for calling a registered phone number. Shame on you, nationstar. Hire better collections management.

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helpingotherswithmtg
San Andreas, US
May 22, 2015 7:39 pm EDT

That's impossible even with skip trace if you have never been associated with your neighbor or if they do not use you as a contact party. There is no way to obtain your phone number by being their neighbor. Hope this helps.

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Mr. Cooper modification

Nationstar oversees Horizon-their foreclosure practices are dismal. I fell on hard times and been trying for modification for three years and cooperated with all paperwork. Time elapsed and all my all paperwork disappeared-they have all the excuses in the book and also was told 3xs that my file expired-how does your file expired with all the paperwork? I have a good one for you-once they led me believe that my modification was almost complete and the last step was to have a broker come to my home to take pics. Boy was i elated-i found out that those pics were going to be distributed on a investor website selling my home from underneath my feet and displacing my family out in the street. I have no respect for this kind of action and where are my rights as a homeowner. The sad part is that they the bank have been bailed out time and time again and my home has changed mortgages 7 times in the last 8 years so in reality the banks have raked in obscene profits on the buying and selling end! In closing; i am currently on my fifth mod try and also the countless times going to the court house in trying to keep my home. The solution is very simple-stop jerking me around and give an opportunity in keeping my home so you can get paid! Any solutions?

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J Kl
Kelseyville, US
Apr 19, 2012 3:13 am EDT

Another Greedy crooked lender! These guys bought our loan previously held by Horizon. We were told that we were approved for the modification process through the new HARP. From the start we were transparent about the difficulties we had in the past due to our home being rural and an "alternative" structure. They assured us this was not an issue. After several months, paying out of pocket for an appraisal, and several phone calls/emails attempting to contact them after the appraisal (about three weeks worth of time that they evaded our attempts to get an update from them) they finally called us back and told us they denied the loan. At first we got a B.S. reason as to why. Then I called and called to get a "live" person who I could talk to about the terms of the denial. After reaching a higher up "Mortgage Professional" (that is what their job description was) I got the truth only after explaining to them I had worked in the industry before and - I wanted the truth about the denial. Basically, I was told that they do not lend to "alternative" home structures and often do not lend to very rural properties because Fannie Mae's system does not often list values on those types of homes. Therefore, any appraisal that is done on the home will not be considered by the underwriters. I demanded a refund of the appraisal! I got it! Now I am going to do everything in my power to work with another lender! They hold our current loan and they won't even refi with us - unreal! I hope this helps others who may be in a similar situation. Don't use this company if you have rural property or an alternative home - no matter how many times they assure you the loan modification will go through - it won't! It will be a waste of your time and money if you pursue it.

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katmink40
Friday Harbor, US
Nov 25, 2012 8:02 pm EST
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My husband was in a serve accident from work.. Almost losing his leg from a auto accident.. He was off for 10 months. Just going back to work in November 2012.. We have been both working with Nationstar Mortgage for a modification on our loan..
They are the worst ever.. Why don't they have real people on the phone instead of a stupid computer.. I have been over worked and trying to make our loan payments.. If you have workmen's comp., forget they take for ever to pay anything.. We sent all the paper work and hardship letter.., well were is the help they say.. NOT... If any one knows a good lawyer that doesn't charge alot
and works with people not for profit.. Help! so where is the help that everyone say is out there NOT!

Karhleen..
any info on the help email katmink40@yahoo.com

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tami78
, US
Jul 01, 2012 12:12 am EDT

Oh no! what was the out come of this? my mortgage was just switch to this company as of today and I was in the middle of doing a modification with my last bank but now im really nervous!

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Mr. Cooper harassment

These people are unreal with the harassing phone calls. I have never missed a mortgage payment or been late beyond thee 17the. Unfortunately my mortgage was sold to theem from Bank of America. From thee frying pan into thee fire. My mortgage is due in thee 1st of each monthe. It is considered late on thee 17the of thee monthe. If theey do not receive thee payment on or before thee 1st, theey will harass you everyday until theey receive payment. They will call you 5 times a day and more. The people you talk to have no idea what is going on withe each otheer. They blame thee problems on thee otheer departments. Even when you pay theem, it will not clear internally for some reason anywhere from 1 to 3 days. These people you talk to on thee phone will tell you it has not cleared theere department yet. I believe thee only way theat theey can get mortgages is by buying theem therough otheer lenders. Because I can not see anybody using theem on theeir own. Good luck if you use theem.

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Sintia
, US
Oct 06, 2009 5:41 am EDT

Nationstar morgage company has gone back and forth on that the Obama program is going save my home. But then I am getting letters from Nationstar that my house will be going into forclosuer on Nov 4, 2009. I have called this morgage company over and over about these letters and the people at Nationstar keep telling me to ignore them.

I am not getting anywhere and I am afraid that my family and I will be in the street right before the holidays. I looked up the complaints on this morgage company here recently and found many more people in my shoes and stating that they too were told to ignore the letters and found themselves out in the street. I don't have the money for an attorney and I am so stressed out on not knowing what my future holds for my family.

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Steaminginhawaii
Kailua-Kona, US
Dec 10, 2011 12:05 am EST

In May of 2010 we sold our home. First Horizon Mortgage Co. held the mortgage. Although it was a short sale, the sale was approved, the deed transferred and all was well (we thought). First Horizon apparently sold our mortgage information (AFTER the sale of our property) to Nationstar Mortgage who has been harassing us since June 2010 to make our mortgage payments, pay the property taxes, insure and avoid foreclosure on a home WE NO LONGER OWN. Despite making phone calls bi-monthly and sending 30+ page faxes (which include the escrow closing papers) to every department at Nationstar for which we have a fax number, we continue to recieve this harassment. They will admit that "First Horizon sold us several old loans which had been closed", but 6 months later nothing has been resolved. And there's more...since we "have not proven that we carry insurance on the home" (which we don't own) Nationstar has taken out insurance FOR us, the annual payment of which is $3, 600.+ WE INSURED THE HOME WHILE LIVING THERE FOR $360. YEAR ...WHAT A SCAM if they're doing the same for others WITH Nationstar loans.

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Nancy Field
, US
May 02, 2012 12:52 am EDT

Nationstar is a Crook and Blood Sucker.

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Nancy Field
, US
May 02, 2012 12:52 am EDT

NationStar is a Crook and blood sucker. That's all I can say about them.

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Melissa1230K
East Peoria, US
Apr 16, 2012 2:17 am EDT

and the $10, 000 we gave them was because they said we defaulted on our agreement with the Making Homes Affordable and had to pay a ton of fees, we were only a few months behind...I think I should of gotten a lawyer but my pride got the best of me and I just gave them all of my 401K that I had available to get out as a loan.

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Melissa1230K
East Peoria, US
Apr 16, 2012 2:15 am EDT

After giving them nearly $10, 000.00 to get out of foreclosure we started receiving harrassing phone calls the very next day stating we were a month and a half behind and we had 15 days to get current. After giving them that kind of money we thought we had a month to recoop a months payment but no...within weeks they sent foreclosure notice again. Called to get a workout resolution and they would not help us, said we hadn't paid our taxes in a year...but we escrow our taxes inot our payment so we couldn't figure out why part of the $10, 000 we gave them didn't cover the taxes. So now several months later to no avail we are about to lose our home. We actually only owe them $6600 since they have not taken any payments from us but in order to consider us current they want $9200.00 - why are these people still in business? We have tried to give them money but they will not work with us...sad that we want to make our mortgage payment and we got sold off to a company who isn't willing to accept it.

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rondin
, US
Apr 10, 2012 7:19 am EDT

I just sent them a letter directing no further contact under the Fair Debt Collection Practices Act for the same thing. Harassing calls claiming the mortgage is past due when, as you say, it is not. No human being at the number they leave; just press 4; press 2 hell.Costs them nothing to robo-call everybody and harass them into submission.

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OFC
, US
Nov 12, 2009 6:37 pm EST

Sintia,
Go to the link below:
http://www.loansafe.org/forum/loan-modification/index2.html
many homeowners share knowledges, tips and tricks with mod. not necessarily with Nationstar .. but you can gain knowledge.
OFC

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bingoboysmama
Port Jefferson Station, US
Oct 09, 2009 10:36 pm EDT

I got sold in 2008 to Nationstar, who I never even heard of and I'm sorry I ever did. It' s been nothing but a ongoing nightmare since Feb 2008. Their title company was to cut a check per my closing for the 1st half of my house taxes. Nationstar was to pay the 2nd half. But Fiserv(the title co.) sent the wrong amount and it got kicked back. They said nothing and did nothing. When Nationstar tried to pay the 2nd half it got kicked back because the first half was never paid. Now neither company said nothing and did nothing. In August 2008 I got a letter from the town my taxes were deliquent and a lein was being placed on my property in Sept.2008. I took an entire day off from work and spent it on the phone between Nationstar, the Town, the County and Fiserv. I found out Fiserv still had the check it had never been cashed. I was in contact with Jeffrey of Nationstar Escrow. I told him Fiserv had the check, gave him the contact there I had spoken too and the check number. He said it would be taken care of, no problem. A few weeks later I called the town, they said everything was paid and there was no lien. Everythings good right? WRONG! It seems Jeffery and Nationstar took out an advance of money from First American (who holds the escrow monies). They took basically an unauthorized loan on my mortgage for $7000.00 in Aug 2008. I found this out 8 months later in April 2009. How? I had just made the April payment online. My account appeared perfectly normal on the statements. There was no inkling of what they had done until I received a letter on April 6, 2009 that my next payment (in 3 weeks for May 2009) would be an additional $700.00 a month to payback the advance they took out 8 months earlier to cover the tax money they lost. I went NUTS. That was Saturday and all was closed. Again Monday I took off from work and called them. Needless to say, they told me they would file a dispute it could take 30 day...then 90 days... it has now passed 6 months and they still have not gotten back a single dime of my money. I have been working with a woman named Theresa Pointer in Escrow, but she has suddenly disappeared in the last month (they said she's been out sick). Now I have Tom in Escrow and Fiserv contacts with the Research Department of Randy Foyer and Kathy Kinkerk. Not only can they not get the money back from Fiserv (I even sent them an entire packet of papers certified registered mail w/signature required) with a copy of the page from my mortgage that shows what should have happened, but they themselves cannot find the money they should be holding for what should have been the second half of the taxes. But they said "Don't worry about that yet, we have to get the Fiserv money back first." The original tax bill and what they ended up paying, of course, were different amounts because of the interest and penalties that accrued after they paid it also. I have refused to pay them ANY of the extra amount since May, because I believe they are thieves and con-artists and I will not pay on money for an unauthorized loan they took out because they are incompetent. So now they keep saying my payments are behind, they put each payment into a holding account until it adds up to what they want it to be. I call them 3-4 times a week. They call me 2-3 times A DAY 7 DAYS A WEEK. They send me threatening letters about foreclosure, and remodification of my loan. I get phone calls from all these departments- Customer Service, Collections, Foreclosure, Research and Escrow. I am on the automatic dialer so they call me everyday including Saturday and Sunday when they are closed, besides the live operators. It starts at 8 am and goes till 9 pm. This for the last 5 months.. They threaten me constantly. I even had a supervisor hang up on me during one phone call because of my attitude toward her (this was on a third phone call of one day from them after about 4 months of this crap) She didn't like my tone or attitude and wouldn't be spoken to "in that manner" and when and if I calmed down and adjusted my attitude I could call back to speak to them..with that she hung up on me. So 6 months and still waiting for them to find my money...it's the worst nightmare scenario. I would never have imagined this happening to me. All my bills are paid on time..but my credit is now in the CRAPPER because of this..because, of course, they are report me as being deliquent to the credit bureaus. I cannot even refinance through another bank just to get away from them because of all the damage they have done to my credit. I can't sleep and have nightmares, I don't know what to do anymore. :(

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Mr. Cooper (hamp) fraud

My parents lost their home of the last 18 years, because Nationstar sold their home while they awaited an answer regarding their HAMP application, without any prior notification, they did not know their home had been sold until October 2011. That's when they started receiving notices and phone calls from several different companies, all claiming to be the new owners, one even claimed to be holding their deed in his hand at that very moment. We immediately looked on-line to see if this could be true and low and behold, the deed was still in their name, and said nothing about anyone else. We figured out what had happened, though later on, Nationstar representatives had told my parents that in order for the HAMP program to work for them they would have to be a couple of months behind on the mortgage. They did as they were advised and it was then that Nationstar decided to sell their home (they were only 2 years from paying off) to Arcadian Investments. So no they were not getting HAMP, and if they wanted to stay they would have to "PAY RENT" to live in their own home. So now my parents, who worked so hard for their home, live in a tiny little single wide in a shabby 55+ mobile home park. And I am left with the question... "How is it that the supposedly helpful HAMP program is being used as a tool for defrauding people out of their homes" ? They are literally stealing and the new owners have received stolen property, this is, in my opinion... A CRIME AND THEY SHOULD BE HELD ACCOUNTABLE !

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Mr. Cooper mortgage thiefs

They are absolute crooks & have been stealing my mortgage payments for almost a year now. My payments are automactily deducted from my checking account on the due date every month. I have every receipt where they have taken my money out of my checking account yet they have not applied any of the money to my account. I have tried to refinance the house but Nationstar tells the bank that I am not current on my payments even though they have taken the money out of my checking. This is the most frustrating situation, I have never been late on a single payment in 17 years but because of them my credit has been ruined!They are the worstt kind of scam artist trying to steal peoples homes.

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robbedinaz
, US
Apr 04, 2012 5:56 pm EDT

This same thing is happening to me now. I've been through twice in six months. I have an automatic payment go out every month. They have "lost" at least two payments and every payment they have credited me for has been in an odd (lower) amount. They have now begun to deduct odd amounts and are saying I'm behind, when my verified bank statements prove that I've been on time every month. Does anyone know how I can get throught to these crooks?

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Mr. Cooper worst servicer out there

Just an update on my personal situation with them. I stopped making my payments to them last September. They have not been able to prove to me that they are nothing more than a servicer on a mortgage that was transfered. Talked to my attorney. Told me to walk away from my home. My payments are $705 a month. Tried to get a loan mod, would only lower it $50 a month. Now they send me notices every two weeks, trying to get me to hand over my keys for $3000 cash or $7, 500 cash. Oh and get this, last week I got another notice telling me I could get the loan modification. What a joke. I have been dealing with these idiots for 2 years now. No online access, no statements, no coupons, just give us money but yet they never recorded my mortgage with the county in which I reside and from what I've been told that is illegal, they can't foreclose. Here in Michigan it takes two years, so I will wait, not pay a dime, and when they finally kick me out take my money and run and rent somewhere. This company is a joke, and yes they are rude, ignorant and you never get the same answer twice or get to talk to the same person.

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jc5448
, US
Jan 30, 2012 7:08 pm EST

I have now been waiting to speak to someone for 35 minutes to get a payoff. This is completely unacceptable. With no announcements or other info to tell me how long I will be waiting. I have been a customer service manager in the financial community. My reports would have been totally unacceptable for this call waiting time.

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fidel salvador
Morganton, US
Dec 05, 2009 4:35 pm EST

did a loan modification to reduce monthly payment due to loss of job income is much lower than before neither one of us is working, but i draw unemployment benfits but he doesn't.So thats why they were trying to help us reduce the payment by including the insurance, tax, escrow into to one account.I have the copy of the doucemt that we ordinary sign and notary.

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helpingotherswithmtg
San Andreas, US
May 22, 2015 7:57 pm EDT

You can't talk to the same person twice at any company. Unless that person works every day in that same queue at that same time that you call in. There is no way to transfer internally unless that specific person has an extension. Also if you dont pay your mortgage for months of course they are going to start sending notices of foreclosure if you are not getting your statements you should check to see if you have a block on your acct to where they can't send you coorespondence. Maybe your attorney did that for you. And if their agents were being rude you can definitely ask to speak to a manager. Its not against the law to foreclose on your home if your delinquent. In most states. You can read your agreement to see what your terms are that you signed for.

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Sold Mortgage Victim
Wrong Beach, US
Oct 25, 2012 2:00 pm EDT
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I won't spend more than 1 minute on this. It isn't worth my time to describe how incredibly pathetic Nationstar is. If you're reading this, you already know. If you're considering Nationstar as a lender, DO YOURSELF THE MOST WONDERFUL KINDNESS AND DON'T USE THEM FOR ANY REASON. Nationstar sucks hard!

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rhnull
White, US
Jan 30, 2012 9:19 pm EST

It has been difficult to get a straight answer from Nationstar. I computed my own HELOC payoff amount and submitted the payment to Nationstar. It was accepted by Nationstar and now the account has been closed.

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Eve1243
Portland, US
Jul 20, 2010 5:54 pm EDT

FILE A COMPLAINT ON NATIONSTAR NOW! This State Department is responsible for issuing them a license. They are in the process of investigating them.
Kentucky Department of Financial Institutions
http://www.kfi.ky.gov/complaint/

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My-family-of-5
Mannford, US
Apr 09, 2010 10:50 pm EDT
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REPORT THEM TO THE BETTER BUSINESS BUREAU .

ENOUGH REPORTS AND THEY WILL HAVE TO START PAYING ATTENTION.

I REPORTED THEM A FEW MINUTES AGO, ,

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Mr. Cooper foreclosure

I could not pay my full mortgage payment in December 2011. I sent less than half the amount because of extenuating circumstances. I called Nationstar to try and make arrangements to pay December payment. To my surprise they denied my request. I am on a very limited income but I still want to keep my home. So I paid 1619.98 for 3 months plus the amount I paid in December and I also included a 70.00 payment for Dec. for late fees. I get a call from one of their very intimidating customer service clerks. I was informed I owe them 3, 237.52 and payment is due NOW. I knew it was no use at all trying to talk to this unfriendly, unbalanced, idiot. I tried to remain calm but it was no use. I do not have 3, 237.52 and I will not have this amount any time soon. I guess Nationstar wants this house in the worst way. This is a very dishonest and treacherous mortgage company. I will not have a home very soon and I don't know what I am going to do. Nationstar will not post my 5, 479.94, it's like I just gave them money for nothing. Foreclosure is a terrible thing to happen to anyone. Please, anyone who may read this. Stay away from Nationstar Mortgage!

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Mr. Cooper foreclosure issues

They have got to be the worst out there. Have been trying since last fall to get a loan modification with them when our work hours got cut. They keep saying we make too much money to qualify, are they nuts? All we wanted was temporary relief to help us get back on our feet financially and they insisted we fill out paperwork for loan modification for the life of the loan. Kept saying we were "missing paperwork". Unwilling to try and help us out, very rude when you try to explain your situation. Now, without any notice, they say they have started foreclosure. Anyone else out there having these issues?

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Lorenzooliver
Anaheim, US
Jun 02, 2012 1:49 pm EDT

I was foreclosed on 4 months ago and am still living in my home.Iif you are in foreclosure you should visit icansuemylender.com or you can contact them at [protected]

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The Mortgage Matrix
Aliso Viejo, US
May 29, 2012 12:13 pm EDT
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I have had very good luck with Nationstar. I complete loan modifications all over the US and Nationstar not only has nice Account Managers...but they do issue approvals! Just thank the almighty above you are NOT with Wells Fargo or B of A...then I would AGREE!

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struggling also
Hartford, US
Mar 13, 2012 6:24 pm EDT

Yes agree! Been there back and forth with them...
1-DO NOT fax to them, request and email address only!
2-start with http://www.makinghomeaffordable.gov/pages/default.aspx
going thru this helps make it legit that the mortgage company HAS to comply to!
Stand your ground, because it is your home and your hard earned money! If they say they want to move one or more of your monthly payments to the end of the loan let them, but make sure they do not mess with your interest rate unless they are decreasing it ONLY! Any points ...bargin to get those OFF the loan also! Watch everything you are signing and that it what was discussed and agreed upon!
Our modifications with them in usually took 2 to 4 weeks to complete. If not getting answers ASK for a supervisor or manager...get direct line phone numbers from your contacts. No main number with extensions! Be persistant and don't expect them to call back on time, but some will, but BUG the heck out of them! Good luck and hopefully your outcome will be a favorable one!

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Mr. Cooper hamp non compliance

Raising money for increasing litigation costs?

http://blogs.wsj.com/deals/2012/02/24/mortgage-servicing-firm-nationstar-lowers-ipo-expectations/

http://online.wsj.com/article/SB10001424052970204653604577250960172710468.html

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 “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 “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 “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 “everything is ok.”

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 “everything is OK, ” 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 “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, “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 Giles of Nationstar Mortgage’s legal compliance department in Dallas, TX. He asked why Nationstar proceeded with the Foreclosure Sale despite having informed Cabaniss that “everything is OK.”

a. Chelsea Giles 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 Giles responded, “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 “OK.”

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.

Read full review of Mr. Cooper
Update by Keith Cabaniss
Mar 03, 2012 5:01 am EST

Fortress Investment Group shorts the very mortgages its subsidiary Nationstar originates.
Nationstar Loan Trust-2007-C http://www.investorscopes.com/Nationstar-Home-Equity-Loan-Trust-2007-C/424B3/6947582.aspx
is named in the SEC lawsuit brought against Daniel Mudd http://online.wsj.com/article/SB10001424052970203718504577181500086460654.html

Nationstar needs to raise money and is planning to trade on the NYSE under symbol: NSM.
http://blogs.wsj.com/deals/2012/02/24/mortgage-servicing-firm-nationstar-lowers-ipo-expectations/

I reckon their litigation costs are starting to become trying for them.

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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.

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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.

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