Mortgage -- Struggling to pay mortgage -- Complaint #12341334
Complaint Overview
Complaint ID: 12341334
Company: Mr. Cooper Group INC.
Product: Mortgage
Sub-Product: FHA 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: Texas
ZIP Code: 781XX
Date Received: 2025-03-05T12:00:00-05:00
Date Sent to Company: 2025-03-05T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am submitting a formal complaint against Rushmore Servicing LLC for engaging in unfair mortgage servicing practices that led to the wrongful foreclosure of my home at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX The foreclosure sale occurred on XX/XX/year>, through a nonjudicial auction, where the property reverted to Rushmore Servicing after failing to receive third-party bids. However, I was never provided proper notice of default or foreclosure by certified mail, email, or personal service, violating federal and Texas foreclosure laws. Furthermore : I have resided in this home for XXXX years and was approved for a {$47000.00} Texas state grant during the XXXX XXXX for mortgage assistance. I have documented financial hardship due to a car accident, which should have been considered before foreclosure. Upon calling Rushmore Servicing on [ Insert Date ], I discovered they did not even have my correct phone number on file, proving that I was never properly notified of my foreclosure. Rushmore Servicings actions violate : 1. The Real Estate Settlement Procedures Act ( RESPA ) XXXX U.S.C. XXXX, which mandates proper loan servicing and borrower notification. 2. The Fair Debt Collection Practices Act ( FDCPA ) XXXX U.S.C. XXXX, which prohibits deceptive and unfair mortgage servicing practices. I request that the CFPB investigate Rushmore Servicing LLC for predatory foreclosure practices and require them to : 1. Reverse the foreclosure sale and reinstate my mortgage. 2. Provide a written explanation of why I was not notified properly. 3. Offer foreclosure alternatives, such as loan modification or repayment plans. Enclosed, I have attached : My correspondence with Rushmore Servicing. Documentation of my financial hardship. Proof of residence and my XXXX Texas government grant assistance in the amount of XXXX paid towards my mortgage before the nonjudicial sale of the home without notice
Frequently Asked Questions
What is Complaint #12341334 about?
Complaint #12341334 was filed against Mr. Cooper Group INC. regarding Mortgage specifically about Struggling to pay mortgage. It was received by the CFPB on 2025-03-05T12:00:00-05:00.
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.