Mortgage -- Struggling to pay mortgage -- Complaint #8181552
Complaint Overview
Complaint ID: 8181552
Company: Mr. Cooper Group INC.
Product: Mortgage
Sub-Product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-Issue: Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
State: Georgia
ZIP Code: 305XX
Date Received: 2024-01-15T12:00:00-05:00
Date Sent to Company: 2024-01-15T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
The company continuously deflects responsibility and is practicing deceptive practices against me as a consumer trying to modify my loan or get a forbearance. Every-time I ask them to reach out to the original lender XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX are the servicing lender for to help work out a payment plan due to a predatory loan they ignore me and say they are just the servicing lender and refuse to give me contact info for them ir refuse to help negotiate and try to take a neutral stance. They continuously deceive me and lead me to believe I can possibly modify the loan by sending me letters and calling only to be declined stating the loan matured now. It is a circus and they are trying to deceive me on the phone and bully me with perdonal opinions ifvreps from their modification department criticizing of why i am behind which is discriminatory and unprofessional of a banking institution fuecto my age they are trying yo intimidate me to give up my home instead of trying to help me. They want to collect XXXX but sellout on the steps for XXXX. They are deceptive and tell me to apply for modification and depending on who you get on the phone then say i should not apply. They are unfair practices and i am asking for the CFPB to also give this file to the attorney general of Georgia since Mr cooper is under investigation by over 40 other states. This is pushing me as a consumer into a foreclosure. The CFPB should sue them as Mr. Cooper has cost me several XXXX dollars in interest payments as in addition to this if a customer is in modification they can not get thru the phone lines and I was not allowed to make my payments online making it an unfair and deceptive to the consumers. I am asking them to reduce my payment by giving me a 30yr loan and not interest only like I have. I want an amortized loan as every modification the payment was higher not lower but yet they deceive you saying their modification will lower your payment when in fact they increased it. I believe they should credit me XXXX dollars in interest and modify the loan for the same XXXX! that they want to foreclose on me for.
Frequently Asked Questions
What is Complaint #8181552 about?
Complaint #8181552 was filed against Mr. Cooper Group INC. regarding Mortgage specifically about Struggling to pay mortgage. It was received by the CFPB on 2024-01-15T12:00:00-05:00.
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.