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Mr. Cooper
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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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Mr. Cooper reviews & complaints 567

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7:27 pm EST
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Mr. Cooper Scamming customers from mortgage pay off calculator and reps of the company..

I have a home mortgage with Mr Cooper I have 31 yrs. lift owing. I was using Mr Coopers Mortgage Pay Off Calculator from their website. The calculator showed if I put $10,000.00 on my principal that I would go from 31yrs lift on my mortgage to 14 yrs. lift on my mortgage. I called and talked with a rep from Mr Cooper they used the calculator and said yes that is what I got too. I saved $10,000.00 to put on my taxes I thought if I can knock off that amount of years it was worth using that money towards my principal of my mortgage. I applied it, a few days later I looked nothing changed on the amount of years on the pay off. I called again the rep said I need to do a Recast so they can adjust the terms on the years, I did that I received an email back explaining its an amortization I would need so I did that, I also explained the information on the calculator that was given to me and the confirmation from one of their reps when I called. They got back to me stating I'm getting 3 yrs. knocked off my pay off instead of going down to 14 yrs. lift to pay off like what I was given by both their mortgage calculator on their website and confirmed by their rep from Mr Cooper. I asked for the name and phone number of the person I need to talk too to take this further as of now I haven't received anything. I got scammed by this mortgage company. I don't feel safe doing business with this company anymore. If they could do this and this is what I'm aware of what else have they done or will do that I'm not aware of.

My name is Mona Aguayo my husband is Danny Aguayo

Email: [protected]@MonaAguayo.com

Ph. [protected]

Desired outcome: I would like my pay off of my mortgage loan to go to 14 yrs. lift owing like I was shown on your mortgage calculator and confirmed by your Rep from your Mortgage Company.

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2:29 pm EST
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Mr. Cooper Loss mitigation

After the nightmare of going through loss mitigation & being denied all options after my forbearance ended accept a conditional short sale or deed in leu of. I got no help at all. I resubmitted a new application which was the same circus but worse & applied for the California home owners assistance fund which was denied due to Mr. Cooper saying I was not recognized as a borrower or a successor in interest on the loan which is completely untrue & I communicate several times a week with them & I am on the loan account as the confirmed successor in interest. This is all while rejecting my documents time & time again & after 3 other people have submitted them with a letter explaining that they have everything & that the applications show complete in one system but blank in the other but it’s ignored & then rejected. I have never spoke to my single point of contact & the phone number given is the regular customer service phone number. They gave false information to a government agency that resulted in a denial for a mortgage grant to bring my loan current. Now they have accepted the rejected documents after sending them by email but have added the same application plus documents a 2nd time when it shows accepted it also shows a second time as update needed & my self employment income I faxed to prevent rejection & it was accepted but shows as child support & asks for income document. I have never seen a company or mortgage servicer so incompetent & I feel they are doing it on purpose. I have more than 50% equity in the home & they tell me I don’t qualify for a workout catch-up payment plan because I’m not the loan holder but as a successor in interest they are suppose to treat me as if I am the borrower.

Desired outcome: Help in getting them to comply with the laws & actually help homeowners & be held accountable.

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Update by Grace Navarro
Sep 17, 2022 10:51 pm EDT

I went through emotionally mental distress dealing with Mr. COOPER for last 2 years. They discriminated against me as a successor in interest after offering forbearance extensions to the max allowed then denied me as repayment catch-up plan because I was only a successor in interest after they extended the forbearance several times. I applied for the California homeowners relief fund program & was denied because when the fed program contacted Mr. COOPER that said they didn’t recognize me or know who I was when I was confirmed as SII by them over a year & a half prior & their confirmation letter said all future correspondence would be addressed to the estate care of MY NAME & they failed to ever do that so because my name wasn’t on the mortgage statements I was denied by the ca homeowners assistant fund program. Then I was denied a modification & only offeeed a conditional short sale or deed in leu of and I had over 50% equity in the home. They continued to give me the run around I never spoke to a single point of contact there was only a name no direct phone line to reach them only customer service who had no tools to actually help anyone they only looked for notes cleft on account. Then after looking back at statements 9mo the old I see where my homeowners insurance policy that wasn’t renewed cause insurance company rewrote new policy to include my name but I see homeowners insurance was paid then 20 days later the new rewritten policy that was a little cheaper was paid & here it is almost 1year later & they didn’t know they paid 2 homeowners insurance policies for the same period of time but added it to my delinquent balance with the 18months of forbearance & everything else like prop taxes. So they didn’t inquire as to what happened to the first homeowners insurance payment they paid on a policy that didnt renew or know that they paid 2 homeowners insurance polices or paid homeowners insurance 2 times ? Had I not been looking back at statements I wouldn’t have ever known so when I seen this I called my farmers insurance agent & asked so she said she would check & called me back & said there was an over payment check issued & I told her I never received it so she had check reissued & sent to her office where I picked up & I called Mr. COOPER about this asking how could they not know or wonder where payment tgey sent went & I opened ticket online & sent email to VP of customer relations & I finally got a response that they would look into my inquiry & resond back with answer or explanation or finings within 30 days. I told them I wasn’t asking where money is cause I knew since I picked up reissued check by I was clear that I wanted to know how this can happen & they not even know or catch it or follow up on what happened to payment on policy that wasn’t renewed. It has been over 4-5 months which is well past the 39 days & never sent answer or explanation or findings regarding my inquiry. This is by fat Mortgage Servicing neglect & improper handling of escrow account funds. So many more violations they have committed but they continue to do it cause they continue to get away with it. After I applied for loss mitigation the first time every document submitted was rejected many times & I reuploaded over & over the same document & eventually it was accepted. This is obviously due to an automated system process. I had to follow the loss mitigation online in the mortgage acct where when a document was rejected & not clear explanation given & customer support didn’t understand why either & resubmitted everything as well as senior loss mitigation officers. The 2nd time I submitted loss mitigation application after being denied cause I was fed up after pleading & begging for help unsuccessfully I had the same run a round with rejected documents over & over this time it was the applications that were rejected & no one could tell me why cause they didn’t see a reason til I happen to get lucky & speak to a senior loss mitigation officer who pulled up application & said they were blank I said they aren’t showing blank for customer service agents who had resubmitted them a couple times so she put me on hold & when she came back she said yes your right applications are complete we have everything we need but she said they have 2 systems one that customer service uses & the other that customer service don’t have access to & that the applications were showing blank in other system & in my mortgage acct would say rejected & tgen say to submit legable documents. So this would mean it was due to a setting in the one system that displayed pdf files as original downloaded document & didn’t display what was typed in using acrobat reader & this would mean all applications downloaded using their tip & imported to acrobat reader to be completed then uploaded as pdf were all coming up blank so it would have to be an automated process being used for loss mitigation process which is a violation cause common sense would tell someone that everyone isn’t submitting blank applications. It’s not.Customer Services fault even though they seem to be. Incompetent because they are doing a job & are not given the tools or access to properly help or do anything. Mr. Coopers system is broken. I was getting automated calls daily saying they been unable to reach me & to call them but when I call CS didn’t know why they were calling. I could go on from very beginning & id be here for a week typing all the BS I was put through unnecessary BS. I opened 2 cases with Freddy Mac which tge 2nd case is when the case manager got the VP if customer relations involved & she probably thinks her being middleman submitting docs on my behalf solved it but it didn’t she was actually ignored just like the 2 different senior loss mitigation officers who resubmitted everything & all was rejected when I logged in as was the vp of customer relations sk I resubmitted in account a few time after & finally docs were accepted same documents same copy same file that I uploaded 4-10x prior but now they accepted it. It was absolutely ridiculous. I sent a few messages by opening tickets online so I would have proof & I also submitted email to vp of customer relation regarding a few things again so I would have proof. Interest rates were down to 2% Mr. COOPER gave runaround for 2 years & made sure I was denied funding through California homeowners relief fund & after offering forbearance extensions to max allowed they denied a repayment catch-up plan offering only a lump sum or conditional short sale or deed in leu of knowing I am well over 60% vested & the amount owed on loan was about 35%-45% of my homes value. I have now returned modification papers but nothing is recorded at county records & they said they are in process of doing loan assumption so my deceased fathers name will be removed but I am not holding g my breath. I only have my house because I wasn’t gana roll over & play dead for them I fought I was persistent. I believe they knew what they were doing & someone behind the scene was manipulating everything cause I was suddennnly getting calls daily from investors wanting to buy house cash low ball offer & my cell phone only connects to my fathers name on the mr. COOPER serviced mortgage account. When I logged into mortgage acct online $ scroll down it shows how much equity u have in the home & the equity showed double the amount owed on loan is how much equity I had which is like 66% equity they drug out loss mitigation & what a convenient time to finally get a modification after 2 years of the rejecting docs over & over & like being on a hamster wheel & couldn’t get no help from anyone & interest rates are no longer 2% tgey are more than my current rate. They need to be made to pay penalty fees for violations committed to the consumers who have the mortgage loan that they service cause they just had to pay !90 million in class action lawsuit & I believe I seen a lawsuit for over 70 million & they changed their name cause their reputation was so bad but they are still practicing same shady ways & FREDDIE MAC continues to contract with them to service tge loans FREDDIE MAC owns. I just recently got a new single point of contact which I’ve never spoken or been able to speak to any assigned in the past when I really needed help but now they call leave voice mail that they are following up like they can’t see that I just finished.modification so I called the direct ph# she left since they never gave a direct line in past on the main customer service number & the new single point of contact left an invalid phone number not I. Service ss her direct line, what a joke this is. I have documents I’ve saved to back up everything I’m saying. I am waiting for the loan assumption if it ever happens then I plan to file full complaint with Consumer Financial Protection Bureau.

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5:58 pm EST

Mr. Cooper Customer service calls are incessant.

I pay mortgage on time before or on the grace period every single time. I have never been late. I had two other mortgage providers before this and neither would call me as much as these people.

I am now on a temporary forbearence, have kept up and made payments and will be caught up by the 28th with no issues. I have followed all the rules and i am in excellent standing.

However even before this, i would get a call if it was even one day past the legal grace period. Every single day. Again this never happened with my previous mortgage providers. To make it worse when they call they do not call themselves Mr. Cooper they say they are a debt collector.

I have had it! I am not going to be bullied out of paying during the grace period or using a temporary forbearence and being made to feel i have done something wrong when they approved it!

I am livid and am tired of getting calls! I am within my legal right and timed frame! I will be filing a complaint very soon to have their practices looked into.

Desired outcome: I would appreciate an explanation, an apology, and to talk to someone with some common sense who can actually take me seriously that when i say i do not want to be contacted unless i contact you first, i mean it!!!

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11:51 pm EST
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Mr. Cooper monthly statement

my account number is [protected] and i have not received a monthly statement for about 8 months I have been using old statements and coupons why has mr. cooper stopped sending me a monthly statement I have notified you a bunch of times and still no statement I always received them before and I would like for you to correct this please do this as it does not make mr. cooper look very good maybe this time it will be corrected I sure hope so

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Update by oilgas
Jan 24, 2022 11:52 pm EST

no comment

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3:13 pm EST

Mr. Cooper Principal payments (and original documented payment wrong amount)

We were paying 152, 000 loan (principal amount). The interest PNC Mortgage (forgot to lock in they stated), so the original loan should have been at 3.2% not 4.9%. They apologized since realizing that's against the law.

Then the extra principal just seems to not make it on the loan and the amount owed should be in the negative at this point, but they still show a balance of 8, 832.00. So, will we ever get the extra principal we paid on the loan? Why are these loans not watched closer by the federal government? This was a 15 year. We want the principal back one month paying two payments because they lost one. It was their broken system online. It kept asking us to take COVID reief and every time we tried paying it would flash COVID relief.

Desired outcome: Money adjusted and principal paid documented on the account.

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2:05 pm EST

Mr. Cooper Insurance claim

Dear Sir: I had a fire at my residence 5579 Chamberlain, St. Louis, MO [protected] in September 2019. At that time my mortgage for this residence was being serviced by Nationstar acct. #[protected] my insurance Company was Nationwide and they sent me a check in the amount of $22, 385.30 they included my name (Cleo Barnett) my husband's name (James Barnett) and Nationstar on the check. I spoke to from Mr. Cooper and was instructed for my husband and I to sign the check and send it to Mr. Cooper P.O. Box 6501 Springfield OH 45501. We were displaced from our residence and did not return until after January 2020. My mortgage was changed from Mr. Cooper to SPS Servicing sometime around October, 2019. However the check did not get sent to SPS Servicing. According to Nationwide the check could not be stopped and reissued because it was deposited by Mr. Cooper. I have made several attempts to have this check returned either to Nationwide or myself so the Contractors (BluSky) can get paid in the meantime BluSky has filed suit against me for non payment. I sent a cover letter when the check was originally sent in along with my property address and the account number of my mortgage and I believe thru error from someone in the department it was sent to may have placed it in a wrong account but I have not had any success in getting this handled. I am retired and living on limited income and do not wish to give money to an attorney when I am sure there had to be a mistake in the handling of this check. All I am asking is this to be rectified and reissue this check to the rightful owners or the Contractor who performed the work. If you need to contact me I can be reached at [protected] (home) or [protected] (cell). Thank you and I would appreciate any help in this serious matter before my property is taken from me. I haven't been able to get any restful sleep since I was served to appear in Court.

Desired outcome: Refund my Insurance check that was sent to you for work performed at 5579 Chamberlain

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3:25 pm EST
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Mr. Cooper Handling of mortgage

Mr. Cooper took over my mortgage on November 1, 2021. I have had issues with the handling of my mortgage ever since. I was on a forbearance that was due to end on December 31, 2021. I kept getting frequent phone calls (from the beginning of them taking over my mortgage) asking if I was going to be able to pay off my forbearance. I informed them, yes, and that I did not have to wait til December 31st and could pay it off now, to which they would just tell me to wait til December 31st. I paid everything I owed on December 30, 2021 and tried to remove myself (via their website) off the forbearance plan. I tried to do this for over a month by phone, website, sending in a ticket, and using the online chat. For over a month, the forbearance stayed put. And I received no calls back to handle the issue. Strange how they called me so frequently about the forbearance until I paid it off and then I couldn't get anyone to remove the forbearance or return my calls once the forbearance was paid.

My property taxes were due on December 31, 2021 and my home insurance was due January 8, 2022. I kept calling customer service and "escalation" team asking if they were going to pay both notes because both deadlines were approaching and they hadn't been paid yet. I kept being told yes and to not worry about it. My home insurance expired on January 8, 2022. Today is January 16, 2022 and I am told by the insurance that my home insurance is still not received. When I asked Mr. Cooper's insurance company on January 8, 2022 why didn't they pay my mortgage sooner they stated that they called the insurance on December 30 (New Years Eve) to discuss payment. Why would they wait til December 30th to contact my insurance. Mr. Cooper then told me that they made the payment by REGULAR MAIL on the morning of January 8, 2022. However, on Mr. Cooper site it states that it was paid on January 10, 2022. As of data, my insurance is cancelled and my insurance company has still not received payment. Mr. Cooper also states that my taxes was paid on January 11, 2022. It was due December 31, 2021. Why would they wait to pay my taxes AFTER the due date. As of date, my county still hasn't received payment.

Since December, I have asked for a supervisor from Mr. Cooper to call me to discuss all these issues. I got a call (from a rep) on January 13, 2022. All the rep seemed to be interested in is that all the issues had been resolved. They waited to call me AFTER their site finally updated the forbearance issue (done on January 12, 2022), AFTER the taxes were paid (past it's due date on January 11, 2022 and still not received) and AFTER the insurance was paid (past it's due date on January 10, 2022 and as of January 16, 2022 has not been received and policy has been cancelled). If a supervisor would have called me when first requested, all payments would have been paid and the forbearance issue cancelled accordingly.

I still have yet to receive a phone call to discuss my mortgage contract overall. After I paid off my forbearance, I asked if I could receive a written contract and someone review it with me. One of my main concerns and request in doing this is that when Mr. Cooper took over my loan, the website stated that my mortgage would end in November 2051. That means that they tried to renew my entire contract for another 30 years, instead of accounting for the 2 years of payments that was already made on my contract. I have received no phone on this issue but the site magically updated to reflect that my contract would end January 2050.

Mr. Cooper has handled my issues poorly, take no accountability, and has left me with an overwhelming amount of stress!

Desired outcome: Accountability

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8:34 am EST
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Mr. Cooper Mortgage

During COVID we were offered an opportunity to "pause" our mortgage payments and later have them added to our end of the mortgage. This came in handy as I was making less money working remotely and our condo was going through an assessment. After the 6 months we were instructed to resume making three consecutive monthly payments and they would send us a new aggreement.
The aggreement arrived, FedEX and in reading it I noticed the interest rate was 5.4%. I contacted Mr. Cooper and asked why, when the national interest rate was 2.5% were they quoting 5.4%? Who would do that to customers they were supposedly servicing? It was explained to me that it was Fannie Mae, Freddie Mac regulated by the Fed's. This seemed very opportunistic.
So we went to refinance with Lakeview Mortgage on Long Island whom we had a relationship with. Everything was lined up, all documents supplied and we were ready to close only to find out that Mr. Cooper had assigned late payments for all those "paused for covid" and had not even cashed the checks we had written!
The closing could not occur. Devastated we had no recourse but to negotiate with Mr. Cooper... some $36, 000 was paid up (most checks already written had been unapplied so this new check was written). Now in trying to refinance with Chase our credit is still ruined by Mr. Cooper

Desired outcome: We'd like these late fees expunged relating to the Covid Pause . They have all their money

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BigG&JJ
Cressona, US
Feb 11, 2023 3:16 pm EST
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exact same scenario with trial loan modification. unfortunately I didn't have the option to refinance, so I borrowed from a friend to bring myself current and declined the modification. It then took another 9 months to get my account straightened out and get all payments credited properly. And these are the exact same tactics the were sanctioned for in ALL 50 states in 2020.

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1:52 pm EST
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Mr. Cooper Exiting forbearance nightmare

We placed our loan in forebearance Oct 2020 because I was unemployed. In Sept 2021 we started working with Mr Cooper on options. We had only missed four payments. This set us into a whirlwind of miscommunication and lack of employees understanding any of the partial claim or loan modification procedures. I had to borrow money to get caught up because mr Cooper employees threatened to report us as late payments and ruin credit. I do t think that is how US government intended Mr Cooper to help people. I was told to stop making payments because it messed up paperwork and had to start partial claim over. So after many calls and many different reps telling lies basically about the process, I borrowed the money and paid Mr Cooper what I owed them.

Desired outcome: Mr Cooper to acknowledge poor service and review recorded conversations where I was told so many lies about the process.

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1:21 pm EST

Mr. Cooper Mortgage improerly sold nation star /champion

Need helpt long list of people sue
nation star champion and you
have THREE different alwyer claming to be lwyaer for nationstar who out of business all lawyer are hiding in MA quting MA rules
NOT USING NH RULES

AND EVERY ONE SUEING YOU FORCLSURE FRAUD
CFPB COMLAINT 86 MILLION EVER STATE AG EVER LAWYER AND EVERY MORTAGE COMPANY ALL HAVE DIFFERENT NEED SAW ON NEWS YOU SIAD THE RE LONG LIST OF PEOPLE MAYBE EVERY NOT INCLUDE
WELSSFARGO SOD TO CHAMPION /NATION EVERY STAE SAID YOU SHOULD CEASE AND DESIST OR ADD YOU TO CASE
Ilegal forclore no proper nootice of forclosure no reguired on site sale in NH
sold third part never came refused payment
ther is also many banking complaints too HUD coplaints are you respondisable
ALL ADA title IV violation
two different lawyer saying the repesnt you and nationstar out of businsss in 2017
both in fighting in NH Court one forclosure lawsuit me
othe being evicted for wrong forcloste
both say they represent you nation star
Mirriione - Shaughnessy Uitti
2 Battery march park
Quincy MA 02169
ORLANS PC
PO BOX 540540
Waltham MA 02454

AMS claiming be new mortgate company
also debt charged off tototally differnt tax ID
you might be brought tax fraud too
you have been ok becuase Covid
request investigation

Desired outcome: please look my situation CFPB sayx should cease or be fined again

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9:29 am EST

Mr. Cooper Late Fee

I mortgage was just transferred to mr.Cooper and they are telling me I owe a $10 late fee from my previous mortgage service provider since November of 2020. It is currently November of 2021. I've been told by there customer service personnel on two occasions that they are going to remove this late fee, then the same person gets back on the line stating it's from Bank of America and there is nothing they can do. Bank of America charges $25 as a late fee not $10. I believe This company MR. Cooper is bleeding people drop by drop.

Desired outcome: Apply the $10 I made towards principle on my first payment towards my princle instead of robbing me for a late fee I didn’t owe to Bank of America.

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2:54 pm EST

Mr. Cooper Customer complaint handling

I contacted Mr. Cooper my mortgage company the very beginning of my refinance process that began in October. I have since been in contact with them via email and phone at least once every week keeping them updated. I wanted them to know I was refinancing and keep them in the loop as to closing and funding dates. Unfortunately someone in the new lenders office got covid and it caused some delays. Since I had been sure to keep in communication with the Mr. Cooper office/team I told them if there were any more delays I would go ahead and make the October payment and then if any refund was due as it would be different than the payoff I would worry about it after closing. I finally heard from the loan company today and was told the closing and funding would be pushed into next week. I immediately made the October payment and once again called and emailed Mr. Cooper to update them. Imagine my shock when I was told today that they would be reporting me as late to the credit bureaus even thought that was exactly why I initially emailed and called them. Per my request they waived the late fees but what good does that do if your not going to communicate that no matter what your going to report me as late anyway? I have emailed and called a few times EVERY week and literally no one ever bothered to state this? Now I'm being told I need to wait for a manager to call me back which could take up to 3 days but that its most likely a waste of my time because they cannot help? How sad to basically tell your customers too bad too sad, don't expect to get help or a resolution. I have NEVER had a late payment on my credit history since I had to file Bankruptcy almost ten years ago due to a very horrible divorce. I work hard and take my responsibilities very seriously and could use some assistance please. I feel completely bamboozled. My first email went to this company on October 13th regarding loan [protected].

Desired outcome: Do Not Want Reported to Credit Bureau

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10:09 am EDT

Mr. Cooper Unexceptable Ploy

We received a Mortgage in 2020 and it was sold to Mr. Cooper. Since having our mortgage account handled by Mr Cooper we have had nothing but issues which they have failed to resolve. In June 2021, we noticed an escrow amount taken out of our payment. However, we do not have an escrow and we pay our own taxes and Insurance. I contacted Mr Cooper, and they said that it was added by mistake and they would remove. It was removed for 4 months and then in October it showed up again. They actually paid my insurance company even though I had made the payment. Again I called, and they said it will be removed. However, out comes November Payment request and they now have paid a insurance company another $2400 and charged us for the escrow account even though they identified it was for someone else. Hours spent on the phone and our escrow account is short over $3000, they have increased our payment and all the extra we were paying to pay down our debt is being used to pay an escrow account we don't have. Called several hours to resolve, still no resolution. For December our payment has now gone up over $400 than it should to pay our escrow. They state they have to get the money back from both insurance companies to reinstate our account. Why is their mistake costing us? All the extra payments I made I am losing interest paid, and they will not reimburse me that. S

Desired outcome: Escrow removed, money paid will reduce the interest for those months.

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12:13 pm EDT

Mr. Cooper FHA streamline refinance process.

To whom it may concern,
My name is Katharine Ingersoll I am currently a Mr Cooper client with an existing mortgage.
In June I received a letter regarding FHA streamline financing. So I called and started the process. My main reason for this refi was to remove my ex from the loan since he had signed a quit claim deed in 2014. He was removed from the deed and the title. I explain in detail to the loan person Gavin that this was my main reason since the refi really wasn't saving me a whole lot each month. It was supposed to be quick painless process I provided the information that was needed in the MR Cooper portal. Weeks went by with no activity in the act. I got an email from a Marjorie Shipley who was supposed to be my loan processor. I called her and left numerous messages for her to call me and I email her asking her to call me so I could find out what the hold up was. Never did I hear from her! I would keep in communication with Gavin Hufsey and explained the situation in numerous emails to him. I was told they were waiting for a subordination agreement that was the hold up with the process. Gavin got his boss involved James Hubner who I spoke with regarding this, at this point I was told that Marjorie was out of the office. But it did not explain why a month prior she never answered any of my calls or emails. It was just kinda pushed under the rug. So now we get to where the % rate is expiring. A new loan officer is introduced to me Hector Trevino. He at least called me a few days before the rate lock is going to expire. Stating the they had no record of bank statements (which was uploaded from day one into mr coopers portal) he also stated that to remove Robert my ex from the mortgage I needed to provide proof of death or divorce decree! We were not married and he is not dead. What does that change anything with me being able to afford my mortgage. In the paper work it had my credit score of 801 from June 10th which he also did not see! I emailed him a copy of that. I stated I could provide the w2s not a problem. But my issue was and reason I wanted to do this fha streamline was the pay stub issue. Both myself and my fiance had covid. He was on a ventilator for a month. He almost died. When he came home he needed round the clock care. He needed to relearn to walk again, had heart and lung issues. Blood clots, needed physical therapy ect. So I had to take a leave of absence from work and become his caretaker! I was able to go on PUA Unemployment and never did I not pay my bills. I have excellent credit. I stated to Gavin and James in an email my issue with the paystubs and asked since I was returning to work in Sept If I got a notarized document from my employer with my start date and my salary would that be sufficient. Two days go by and its now Aug 19th the day that the rate expires that the underwriters would not allow that! But if I had a death certificate for RObert or a divorce decree no income approval or jumping through all of these loops would of mattered. Does that make sense? I am do disgusted for what Ive been put through day after day, week after week, month after month trying to get information on a process that was supposed to take about a month. I was the one constantly emailing trying to get answers. It should never of been on the last day of % rate to expire that I was told all of this information! very disgusted. I do have all the email communication that Ive detailed in this email if needed.

Desired outcome: Approval for Ex Robert Kaminsky to be removed from my loan / quit claim deed

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Mr. Cooper - Denied loan modification after forbearance ended - never requested info

Mr. Cooper - Loan # [protected] Mr. Cooper denied a Loan Modification after Forbearance ended. The day after forbearance ended I received a denial letter that my only options were a lump sum payment or a short sale or a deed in Lieu. I have owned this home since 1993 and refuse to give it up after so much money spent in order to maintain it plus this is my...

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Mr. Cooper Late fee unapplied

Whenever I've paid my mortgage a few days late I get $19.39 late fee, but when I pay it I get a notice back where company does not apply fee and then expects me to pay an increased amount because of them not applying the fee I've paid.

Desired outcome: The same amount of diligence they use to collect, I want them to be as accurate and diligent in applying the funds that

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Mr. Cooper Bought out loan from arc

I am very angry that my mortgage was transferred, bought out or handed to Mr. Cooper. This mortgage company is not even backed by the Better Business Bureau and has had several lawsuits against them. I am pissed beyond belief that I have to deal with this crooked company! I have excellent credit and have never ever missed a mortgage payment! Please send my mortgage back to ARC. Thank-you

Desired outcome: Send my mortgage back to ARC

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Mr. Cooper Refusal to register my home insurance.

Upon having my home loan sold for the 3rd time we landed with Mr. Cooper. I have been trying to get my home owners insurance registered with them for about 6 mos. My agent has sent the proof of insurance 2 times and will be sending it a 3rd today. I have tried to reach a human being and there is no way to speak to anyone. Mr. Cooper has to be the worst loan servicer that we have ever dealt with.

Desired outcome: Sell my loan to someone else. They suck!

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Mr. Cooper - Forbearance plan 2020 and mortgage adjustment

During 2020 Covid, my salary was cut, Mr Cooper offered a 6 month payment forbearance plan. I only used 3 months and paid my escrow. I asked them how this would be paid back, the MC customer service told me, they can added 3 months to the end of the term or my loan or remodify my loan. In January 2021, the remodification of my loan began, after 3 month...

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Mr. Cooper Continue harassment by mortgage company

I'm continuing receiving letter to provide proof of payment on my property taxes when I send an electronic receipt that I received from NYC website. Continually, Mr. Copper send letters that the proof is not sufficient to show that I paid the property taxes. Today, I received another letter for taxes that were already paid and in which I submitted the proof already.

I'm not sure where is the disconnect between Mr. Copper and NYC property taxes, but this is a continue harassment against me for $3.55. Also, NYC tend to send any adjustment late and I have the practice to pay those adjustments on the next cycle in which is April of every closing cycle. I have done this every year with every mortgage company that hold my mortgage loan including Mr. Copper.

So I do not understand why Mr. Copper continuing harassed me with letter to show proof of payment when it is Mr. Copper mortgage responsibility to do the homework properly.

Also, I do not understand why Mr. Copper can't accept the proof from NYC that I submit every time I get asked with a letter.

I always pay my taxes on time except last year due to the COVID situation, I have to re-arrange priorities to continue with life. Last year I recognize that I paid late, but everything was up to date at the end of the cycle.

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Mr. Cooper Customer Reviews Overview

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

Mr. Cooper In-depth Review

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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