Mortgage -- Trouble during payment process -- Complaint #18356400

Complaint Overview

Complaint ID: 18356400

Company: Mr. Cooper Group INC.

Product: Mortgage

Sub-Product: Conventional home mortgage

Issue: Trouble during payment process

Sub-Issue: Paying off the loan

State: Florida

ZIP Code: XXXXX

Date Received: 2025-12-29T12:00:00-05:00

Date Sent to Company: 2025-12-29T12:00:00-05:00

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Tags: Older American

Consumer Narrative

I have received a signed Affidavit from renowned Forensic Auditor XXXX XXXX of XXXX XXXX that Rushmore Servicing has overcharged me {$16000.00}. at closing. According to XXXX XXXX XXXX XXXXXXXX at XXXX, {$79000.00} was owed at the time of closing on XX/XX/XXXX Yet Rushmore Servicing demanded a total payoff amount of {$96000.00} on XX/XX/XXXX. XXXX XXXX knowing the amount was greatly errored called Rushmore Servicing from the Title Company, to no avail. Title Company advised XXXX XXXX to later have all the statements audited. This was predatory as the amount correct due at closing according to forensic auditors at XXXX was {$79000.00}, and refund now due to XXXX XXXX equals a total of {$16000.00} from months of extensive investigations and calculations with a signed Affidavit to support their findings. SUMMARY OF FINDINGS AND EXPERT OPINION STATEMENT " Based on my examination and analysis of the data as described above, and over 40 years of professional loan auditing experience and my educational background, it is my expert opinionn that as described above, the lender ( s ) has been unresponsive to your numerous inquiries and is unable or unwilling to provide you with a correct and concise loan payment history report in an understandable and clear format. This suggests that some of the actions on the part of the lender ( s ) may indeed have been incorrect or predatory. Please advise if you have any questions whatsoever. XXXX XXXX XXXX XXXX XXXX,,, '' AFFIDAVIT OF XXXX XXXX XXXX STATE OF MARYLAND COUNTY OF XXXX } } } SS. I, XXXX XXXX XXXX, of lawful age, after having been duly sworn, upon oath states : XXXX. I am the founder and president of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The matters contained in this affidavit are based upon my personal knowledge. XXXX. I have over 40 years of experience in the mortgage auditing field and my educational background includes a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. On XX/XX/XXXX, I completed a mortgage audit for XXXX XXXX, for a mortgage secured by property with an address of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. In the preparation of this audit report, I examined numerous mortgage disclosures and documents that were provided to me by the borrower. XXXX. The report is based on my education, training and knowledge obtained from my experience in performing various types of loan audits. FURTHER AFFIANT SAITH NOT : XXXX XXXX XXXX Subscribed and sworn to before me this XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX Expires : XXXX XXXX, XXXX Commission Number : / A XXXX XXXX XXXX Notary Public - State of Maryland XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX According to XXXX XXXX XXXX also concluded Rushmore Management was poorly servicing the XXXX mortgage loan under Mr. Cooper from studied statements only to be rebranded as Rushmore Servicing in XX/XX/XXXX still continuing the confusing miscalculations and statements with lack of clarity. There was also an overreach for private documents when given documents that legally sufficed. They continued to ignore the letter of errors. They continued to ask for entire Trust document for months. XXXX XXXX was legally advised to contact your office showing documents after sending a copy of the entire Trust to Rushmore Servicing which was both faxed and mailed early XX/XX/XXXX. I hope XXXX XXXX XXXX keeps your office open as I respect your office who especially protects XXXX over XXXX like XXXX XXXX from predatory mortgage servicing. Thank you. ( XXXX ) XXXX.

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