Mortgage -- Trouble during payment process -- Complaint #18753638
Complaint Overview
Complaint ID: 18753638
Company: Mr. Cooper Group INC.
Product: Mortgage
Sub-Product: FHA mortgage
Issue: Trouble during payment process
Sub-Issue: Escrow, taxes, or insurance
State: Georgia
ZIP Code: 30228
Date Received: 2025-11-21T12:00:00-05:00
Date Sent to Company: 2026-01-15T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am reporting multiple RESPA violations by Mr. Cooper related to the wrongful force-placement of insurance, inaccurate escrow calculations, and an inadequate written response that did not resolve the issue. RESPA Violations : XXXX. Failure to verify existing insurance before force-placing. Violates XXXXXX/XX/XXXXXXXX (XX/XX/XXXX ). XXXX XXXX XXXX policy was active ( XXXX ), yet Mr. Cooper relied only on fax attempts and never contacted me or the insurer properly. XXXX. Force-placing insurance despite continuous coverage. Violates XX/XX/XXXXXXXX (XX/XX/XXXX ). I had valid coverage, but they added a high-cost lender-placed policy anyway. XXXX. Failure to cancel force-placed insurance after receiving proof of coverage. Violates XXXXXX/XX/XXXXXXXX (XX/XX/XXXX ). I provided proof, and they still did not cancel the force-placed policy within XX/XX/XXXX days. XXXX. Failure to refund lender-placed insurance charges. Violates XXXXXX/XX/XXXXXXXX (XX/XX/XXXX ). No refund was issued even though I had my own policy during the entire period. XXXX. Improper and inflated escrow calculations caused by servicer error. Violates XXXX XXXX XXXX. Their wrongful force-placement created an artificial escrow shortage and significantly increased my monthly payment. XXXX. Failure to properly investigate and respond to my dispute. Violates XXXXXX/XX/XXXXXXXX ( Notice of Error ). Their written response did not address why the renewal information was mishandled or why the force-placement remained. XXXX. Issuing inaccurate escrow disclosures and statements. Violates XXXX XX/XX/XXXXXXXX (XX/XX/XXXX). The escrow statement was incorrect because it included the wrongful force-placed insurance charges. XXXX. Causing borrower harm through servicer negligence. Violates XXXXXX/XX/XXXXXXXX (XX/XX/XXXX). Their actions caused payment shock, financial strain, and risk of delinquency through no fault of my own.
Frequently Asked Questions
What is Complaint #18753638 about?
Complaint #18753638 was filed against Mr. Cooper Group INC. regarding Mortgage specifically about Trouble during payment process. It was received by the CFPB on 2025-11-21T12:00:00-05:00.
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.