Mortgage -- Struggling to pay mortgage -- Complaint #10877832
Complaint Overview
Complaint ID: 10877832
Company: Mr. Cooper Group INC.
Product: Mortgage
Sub-Product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-Issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
State: Georgia
ZIP Code: 30281
Date Received: 2024-11-20T12:00:00-05:00
Date Sent to Company: 2024-11-20T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Older American
Consumer Narrative
I am writing to file a formal complaint regarding XXXX XXXX XXXX XXXX ( Rushmore XXXX ) and their refusal to provide access to a recorded conversation that occurred on XXXX XXXX, 2024. This recording is critical to an ongoing legal matter involving an investor who was attempting to purchase my home during a pending foreclosure process. On the mentioned date, I participated in a phone call with a Rushmore XXXX representative, an investor, and the investors realtor. During this call, I provided Rushmore XXXX with a one-time verbal authorization to speak with the investor and their realtor. This authorization was given under the belief that the investor needed a recent payoff quote to finalize the purchase of my property. Instead, the investor and their realtor misrepresented their intent and used the opportunity to request an extension of the foreclosure sale date scheduled for XX/XX/year>2024. When I realized that no payoff quote was being requested and that the investor had no intention of closing the purchase as agreed, I ended the call abruptly. Subsequently, the investor filed a lawsuit against me for Breach of Contract, along with a memorandum and a Lis pendens in Superior Court, effectively blocking the sale of my property to another buyer and placing me at risk of foreclosure again. To support my defense in this legal matter, starting in XX/XX/year>2024, I have made multiple requests to Rushmore XXXX for a copy of the recording of this call, as it demonstrates the investor 's lack of intent to finalize the sale and their misrepresentation during the conversation. However, Rushmore has refused to provide the recording, citing reasons such as it being burdensome to retrieve and their need to protect my privacydespite this being my own transaction and authorization. The refusal to provide this critical evidence, coupled with Rushmores actions during the foreclosure process, has caused significant financial and emotional distress. Additionally, it raises concerns regarding transparency, accountability, and fairness in their handling of this matter.
Frequently Asked Questions
What is Complaint #10877832 about?
Complaint #10877832 was filed against Mr. Cooper Group INC. regarding Mortgage specifically about Struggling to pay mortgage. It was received by the CFPB on 2024-11-20T12:00:00-05:00.
How did Mr. Cooper Group INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Mortgage) and describe your issue in detail.
Can I see other complaints against Mr. Cooper Group INC.?
Yes, visit the Mr. Cooper Group INC. company profile at readthecomplaint.com/company/mr-cooper-group-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.