Mortgage -- Struggling to pay mortgage -- Complaint #4720624
Complaint Overview
Complaint ID: 4720624
Company: Mr. Cooper Group INC.
Product: Mortgage
Sub-Product: VA mortgage
Issue: Struggling to pay mortgage
State: Texas
ZIP Code: 768XX
Date Received: 2021-09-14T12:00:00-05:00
Date Sent to Company: 2021-09-14T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Older American, Servicemember
Consumer Narrative
XX/XX/XXXX of 2019 my last job ended leaving me with zero income. I left that job because I was not getting paid on time and sometimes had to wait weeks or a month for my pay which was making me late for my house payments. At that time, as you can see by the XX/XX/2019 statement, I was current. Unknown to me, in a few days ( approximately 60 ) the entire global economy would shut down making it impossible to find work. Here we are nearly 2 years later, and I'm trying to come out of my mortgage forbearance only to be denied for insufficient income and I still can not find software work even though I have sent out nearly 100,000 emails to all of the high tech companies hiring people like myself as shown on this page that I developed. https : XXXX Mr. Cooper did not even use my income to make this statement. My income is {$1100.00} per month via early social security which is expected to increase by approximately {$75.00} with the cost of living allowance. Knowing I was in trouble, I moved into my garage and rented out my house for {$850.00} per month to wonderful tenants who pay on time every time. And they pay half of the utilities as well, so my income is about {$2200.00} per month instead of the net income they show me having of {$1100.00}. And the car payment of {$600.00} per month is no longer because I let it be repossessed in order to save the house. I was denied the first time, so I appealed only to be denied for insufficient income and told that I was ineligible for a forbearance modification because I was delinquent before the forbearance period was approved. I have nowhere to turn and I do not want to be another homeless veteran statistic and now I have my renters to consider as well. If you know of anybody who can help, please share this with them as Mr. Cooper seems to only want the house to profit from my situation. I have written to the VA 's own counselors at the following website but never even received a response. https : XXXX I have attached all the documentation I have on this and I desperately need help. Respectfully, XXXX XXXX
Frequently Asked Questions
What is Complaint #4720624 about?
Complaint #4720624 was filed against Mr. Cooper Group INC. regarding Mortgage specifically about Struggling to pay mortgage. It was received by the CFPB on 2021-09-14T12:00:00-05:00.
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.