Mr. Cooper

Like many others on here, my mortgage went to Mr. Cooper when Pacific Union Financial went out of business. Pacific Union didn't transfer my last 3 payments, November through January. When I tried to figure out what was going on, I was assured it was due to our chapter 13 bankruptcy. I told them on 15 different calls that the Chapter 13 did not involve the house. They kept telling me it's ok, your not behind and then send bills stating we're behind $1700. After the 15th time of trying to fix this my loan was sold to an even crappier company, Midland Mortgage. That's where loans go to die, with those scum bags.

Mr. Cooper reported them that I was behind $1700. I have never missed a payment in 5 years of owning my home. I call Mr. Cooper and ask why they said I was behind $1700. They pull it right up. Oh you missed November through January's payments. I have proof all payments were made and it was a transfer error. Regardless to say, now I have a lawyer to prove I have never missed a payment because Mr. Cooper company is a bunch of idiots.

Worse loan company ever. Do not ever use this company.

Mr. Cooper will RIP you off!
My Mortgage was sold to Mr. Cooper, immediately my Mortgage payment jumps 250.00?
They said it was due to Taxes and Ins. But it's NOT...I have proof!

Paid off my mortgage and told them to stop the automatic payment. They did not. I asked for a payoff amount. They sent a letter with the amount that arrive two days after the date that amount expired. Seven days after they were suppose to stop the automatic payment from my bank I was notified it had finally been done. I over paid by about 1500 dollars to be safe and then they got another automatic payment. They owe me about $2500. I asked that it me mailed to me since I did not get a clear payoff amount and they did not stop the automatic payments when requested and when I was told it would be done. I am still waiting for the money I'm owed (30 days now) that a supervisor told me would be mailed to me within a couple of days. Approimately 30 days out I get a letter letting me know they received my payoff. If you can get away from this company do so. Is anyone aware of any class actions against this company. CITI sold my mortgage to this company. I'm letting them know I will never do business with them when they sale people's mortgage to such a dishonest and crooked company. Even in the payoff they still grub for a few dollars.

My mortgage was recently transferred to this company with very little notification. I contacted Mr. Cooper once regarding a letter they sent. It was from refinancing which was not stated. The man who helped me was rude and so pushy. I explained that I recently got transferred and was just inquiring about the transfer and not refinancing. Today, three weeks later, I received a call from them. The man on the phone stated that he just wanted to verify some info. After doing so he asked me if I had any questions. I did. I had one and asked it. He did not really answer my question he seemed to be reciting something off of a script. I asked again in detail based on the info I had received from my previous lender and he interrupted me and was rather rude about it. He kept stating the same info one which did not relate to my question. He stated that he will just send info in the mail and I was trying to say there was no need but he would not listen. He also wanted to confirm a number, one that I don't have and would not listen to me. I had to hang up. It seemed I was talking to a robot. This was horrible. I dislike that this is who has my mortgage. I wasn't thinking about refinancing, but this has definitely made me consider it. I just don't trust them. I will be looking for another mortgage lending.

This is horrible! They have NO customer service. It's only a chatbot and phone prompts. I have emailed them 6 times and it's the same auto-generated email. Do not use them!

What a surprise! A failed (mortgage) company (with horrible ratings) changes its name, in this case from Nationstar to Mr. Cooper. They were lying cheats before and now they continue these practices. I am fortunate enough to be able to make my monthly payments and I also try to pay down the principal. However, every time I make extra payments toward principal, Mr. Cooper insists on misapplying the funds. This has happened each month for the last 6 months or so. Rats like this in the mortgage business that exist only to suck money out of consumers and that use illegal methods to do so need to be sanctioned and eliminated. Nationstar changed its name, but $$h! Tt can change its name, too, but it doesn't eliminate the stench. Most employees (of Mr. Cooper) that I talk to (I have to talk with them because Mr. Cooper continually misappropriates my payments) are reasonable and pleasant. It's sad that they have to defend such a corrupt parent corporation. Finally, they seem to be a secondary mortgage company (they buy up what you sign at the beginning). A solution is that mortgagors should have the option to preclude lying and manipulating companies such as Mr. Cooper from ever buying their loans. As a mortgagor, one should be able to block a servicer like that.

I do not think I have ever dealt with such an incompetant unit as the Mr Cooper Homeowners and Homeowners Escrow Department.

For the last several years, I had to make multiple phone calls, as did my agent, to Mr Cooper to get them to pay Stafford Insurance in Fall River. The way my home was insured they had to make 2 payments. This totally confused them year after year even though we wasted countless minutes on the phone explaining it to them.

So, in order to eliminate the confusion, I was able to cancel the escrow payments so I could handle matters on my own. In August of 2021 I made a payment of approx $3000 to Stafford Insurance. My agent faxed all the needed information to Mr. Cooper and to the fax number the department told her to use.

My reward, Mr Cooper! They are going to bill me $2900 because they say I have not provided proof of insurance.

We have contacted them several times stating I have full coverage and that we have sent the documents they requested. So here we are, "This is your final notice." I have 3 jobs, I own 4 houses, and I have two children. I am so tired of wasting what little free time I have trying to settle issues such as this. These people are totally incometant!

INCOMPETENT BANK. YOU'LL NEVER GET A CUSTOMER SERVICE REP. ITS ALL AUTOMATED. THEY STEAL YOUR MONEY JUST FOR MAKING YOUR REGULAR PAYMENT. THEY CHARGE YOU FEES FOR MAKING A REGULAR PAYMENT. HOW IN THE EFF CAN A COMPANY CONDUCT BUSINESS LIKE THIS. STAY AWAY.

They call themselves Mr. Cooper to make it sound more personal, like a human. However, they are no different than any other big corporation heartless and paralyzed by common sense decision making. I had a recent new loan with Mr. Cooper. Like the other five mortgages I had at the time, I tried to put Mr. Cooper on auto pay with my bank. Something happened and the auto pay didn't take. When I received the first contact from Mr. Cooper, I was 36 days late. I paid immediately, but not before my credit was dinged with a 30 day late. I sent the explanation to Mr. Cooper with proof of my five other auto pay mortgages and proof that I had $32,000 in my account at the time this payment was due. It was clearly a mistake and caused the only negative remark on my otherwise impeccable credit. I have made 599 timely mortgage payments over the last 30 years without ever being late. Mr. Cooper denied my request and insisted on keeping the negative reporting. Unfortunately for me, I was in the process of purchasing my home and will now be paying over $100 more a month for the next 30 years due to a higher rate ($36,000). Thanks Mr. Cooper! You should change your name to a more appropriate name like Mr. Corporate Greed Machine.