Mortgage -- Trouble during payment process -- Complaint #7729826
Complaint Overview
Complaint ID: 7729826
Company: Mr. Cooper Group INC.
Product: Mortgage
Sub-Product: FHA mortgage
Issue: Trouble during payment process
Sub-Issue: Paying off the loan
State: Florida
ZIP Code: 33167
Date Received: 2023-10-19T12:00:00-05:00
Date Sent to Company: 2023-10-19T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Older American
Consumer Narrative
I have a loan with Mr. Cooper, on XXXX I was about to loose my home, Mr. Cooper offered me something call : LOAN MODIFICATION, I was desperate, I don't speak, write or read English good. A man came to my house with the loan modifications papers ( more or less XXXX pages ), I signed the papers, then on about XXXX, I had another modification, a lady came and I signed papers. I am a single woman with a XXXX XXXX XXXX son with XXXX living with me, in XXXX, I was about to loose my house again and I tried bankruptcy but since I could not come with the {$2200.00} plus monthly payment the bankruptcy was dismissed. Every time I owed 2 months mortgage, I paid 1 month, I was struggling to keep my house. On XXXX of XXXX, I retired from my job because I am XXXX XXXX XXXX and when I got my retirement FRS investment check, I took it and sent {$90.00} to Mr. Cooper. I said to myself, I will not be able to pay {$890.00} out of $ 1183 monthly Social Security Income, the best thing to do is to pay off the mortgage, to my surprise, Mr. Cooper 's representative told me there is a second mortgage in my house with somewhere call HUD. They gave me the information and they claimed that I did 3 loans modifications, I said I did 2, they sent me the forms that I signed which are for 2 loans modifications but HUD FHA said there are 3 modifications and since the first mortgage is paid off, I must pay {$24000.00} immediately or they will start foreclosure process, I have no way to pay that sum, I never told when I did the modification, Mr. Cooper took a loan on my behalf, I don't know what to do, I don't want to sell my house and I was told that HUD don't give monthly payment, I have to pay or else, even tough I have a lot of equity, my lender Mr. Cooper told me that because of my credit score they won't help me. If I knew about that loans with HUD, I would have not paid the {$90.00} I would have saved it and not paid the house. PLEASE HELP ME!
Frequently Asked Questions
What is Complaint #7729826 about?
Complaint #7729826 was filed against Mr. Cooper Group INC. regarding Mortgage specifically about Trouble during payment process. It was received by the CFPB on 2023-10-19T12:00:00-05:00.
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.