Robin H.

The day my mortgage was sold to Mr. Cooper was the day that my nightmare began! Mr. Cooper didn't mail me statements for a year! Every time I called, I was told that they are not required by law to send statements, I will need to call every month and ask the amount of my payment. There were times that I send payments and Mr. Cooper claimed they never received the payments, which resulted in them charging me late fees. Every 1st of the month when I used to send payments, the checks were cashed after the grace period, and i was charged late fees. I put my property on the market on March 1st, 2019. On March 8th, the escrow title company requested Mr. Cooper the payoff amount including all fees, letting Mr. Cooper know that escrow will be closing on March 28th, telling Mr. Cooper that they need to calculate all interest and fees until March, 28th. Mr. Cooper faxed the payoff amount including the calculated interest until 04/01. They faxed it on March 13th. Escrow closed on March 28th, and Mr Cooper was wired the funds on March 28th. The property had a damaged roof that needed repair, the hazard insurance was informed, and send a check made out to both Mr. Cooper and myself. The check was send to Mr. Cooper. I had to pay $*******. 30 out of my own pocket. The roof was repaired, and inspection has passed. I have been calling the Loss and Drafts Department for 3 days, asking when are they planning to mail me my check. Every time I get a different answer, but today I told the rep that the property has no longer a loan, as the entire loan was paid off on March 28th. To my horror, the rep tells me, no, the loan hasn't been paid off, but she can't give me the details as I need to call the payoff department. I call them, and they tell me that I still owe money. I tell them that I'm looking at the all the documents as we speak, I see their statement and the date, I see their calculations until 04/01, and I see the wire transfer on March 28th. They tell me that they only calculated the payoff until March 8th and not until March 28th, when escrow closes. I tell them that I see in black and white in front of me the request for the payoff until March 28th, and their response for the payoff. That's when things started to get ugly, I was told that if I don't pay the rest of what I owe the property will be foreclosed on. I asked what is the amount that they claim that I still owe? I get told that they are not allowed to tell me over the phone, I will be charged $25 for them to email that to me. I slammed down the phone, called my attorney and the escrow title and explained the whole story. Keep in mind that I have all documents proving Mr. Cooper are liars. Both my attorney and the rep from the escrow title called Mr. Cooper and got told that there is $200 outstanding. The escrow title wired the $200 to Mr. Cooper today. By law a lender must call a few days before escrow closes to inform of any changes in the payoff amount, or to make sure that the right payoff amount is being paid. Mr. Cooper didn't do that. If I didn't call them today, they would have forclosed on the property without my knowledge. This can't carry on like that. Mr. Cooper is a scamming, cheating, bunch of liars company. No wonder they have over 400 reviews on Yelp with 1 star ratings.