Mr. Cooper Reviews

I have been a loyal customer for 8 years! Since 2017 I have paid on time and even paid 100 Over each month. I have found myself in a financial bind so called to get some help. NOT WITH MR COOPER. They won’t accept a credit card payment. And will not work with you until it’s 30 days overdue! Then your credit score is ruined. Will be looking into another mortgage company as this is unacceptable!

My experience with Mr. Cooper’s equity loan process has been nothing short of a nightmare. Instead of wiring funds directly to creditors like any modern financial institution, Mr. Cooper—shockingly—cuts physical checks and mails them to you, the customer, expecting you to figure out which check goes to which credit card company and then mail them yourself. The checks are labeled with confusing acronyms that make it nearly impossible to identify the correct accounts.

Mr. Cooper has no customer service, I cannot get a live Representative on the phone, they only to use telephone prompts, however I need to speak with a person live to handle my insurance problem that was cause by Mr. Cooper. There is no option to select a customer representative to speak with. I have had my problem since May of 2025. I try to send information to update my homeowner’s insurance online and even got confirmation from Mr. Cooper, however they never changed it as it still shows an insurance company that I have never used, they even paid this insurance company as well as my current insurance company which they paid first, so basically, they paid two insurance companies. I had to reach out to an insurance company that I never signed up with to get my refund. I will be trying to get rid of my mortgage with Mr. Cooper as they are absolutely the worse company that I have ever dealt with. Mr. Cooper is the worst!!!

We are not satisfied with your service since Mr.Cooper or LakeView Both Star Flag Calling Us 1,5. We feel intimidation and harassment from you and a hostile environment. We cannot work properly because Mr. Cooper calls us 24/7 every day, which feels intimidating. We asked the call center to make payment bi-weekly. The answer was that we have to submit two payments to be authorized. We field a Home Owner; we are limited. We hope the government sees what they are doing and helps Home Owners...

Our escrow was dropped December 2025 and it's now September 2025 and we STILL haven't had this resolved. They are impossible to communicate with and their customer services just blows hot air at us. We have filled out their stupid reinstatement forms THREE times and it is YET TO BE RESOLVED!! I'm so over them!

It looks like our account has been transferred again to another company called Cross country mortgage. We're very disappointed about this and we find it very unprofessional. This will be the third loan place that we've been transferred to just to make our payments for our house. I tried to sign up on their page with the new loan number they provided, and I am unable to. I just wanna be able to pay my bill monthly and not having to keep sign up every few months with a new loan company. It’s a waste of my time and very unprofessional.

I have been reaching out to Mr. Cooper since my father's passing. After notifying them of his death, I requested the payoff amount of his home loan via email (per their instructions). I also asked that they send the information via email to make sure I received it as soon as possible. Additionally, I offered my home address if they had to send the request by US mail, as I could not retrieve mail from my father's home address. I received an automatic reply stating that my request required additional investigation and was being escalated to their research team. However, I received nothing. Upon my THIRD request for the payoff amount, I also requested a copy of his signed agreement. Surprisingly, I finally received the payoff amount I had begun requesting three months earlier, but NOT the signed contract. Also, that payoff request was sent to my father's home address, so I received it four days before it expired.

Fraudulent Criminal Financial Institution. Many have lost their homes to foreclosure.. It appears they prey on Seniors and veterans.. Do not bother with a class action lawsuit. They settle out of court paying a nominal fee. Seek legal counsel with a competent Real Estate attorney.

When our mortgage was transferred from Flagstar, my wife was just diagnosed with two types of blood cancer. We were away at Moffitt Cancer Center. For whatever reason we paid both Mr Cooper and Flagstar for two months. They said they would mail a check for the overpayments within 2 business days. I called back ten days later and was told the check went out and I should wait 10 business days before calling back. I called back after twelve business days and was told they would resend the check. I said I would pay for overnight mail. They said I can't do that. Then they said, only one extra payment would be sent because a mortgage payment was due in fifteen days. I told them we have auto pay from our bank set up. I accused them of never mailing the first one. It's been twenty days, and I have not received the letter with my check. They are liars. I would bet they say now that another mortgage payment is coming due.

Beware!!!! Nefarious business, I was unwillingly set up with this company. Wells Fargo sold my mortgage to Mr. Cooper. Mr. Cooper is impossible to reach, letter after letter, call after call, hours spent trying to figure out why my payment went from $467.39 to 1089.00. Mr. Cooper doubled the value of my home, and bought insurance on that value, adding contents, exterior buildings (that are non- existent) My escrow from Wells Fargo has disappeared. Mr. Cooper is unreachable. I am disabled, my income is fixed, I only owe Mr. Cooper one sixteenth of what they say my house is worth. I am going to have to sell my home because of them. It's an absolute nightmare for someone alone and in my golden years.

Calling their automated system is crap! Can’t get ahold of an actual person. Even asking for an operator is not help with the stupid automated systems. GET REAL PEOPLE TO ANSWER YOUR COMPANY NUMBER!!!

Very shady company! They bought my mortgage from Wells Fargo, where I had my taxes and insurance in escrow. There was a $4000 balance from Wells Fargo and they simply absorbed it. I asked for a check and they said they needed 2 months to do an escrow analysis, what a line of BS! They are simply sitting on my money, bunch of pirates. I've never received a nickel or a follow-up phone call or email. This is the absolute worst finance company I've ever seen. DO NOT DO BUSINESS WITH Mr Cooper!

1 day into our loan being transferred to Mr Cooper. Tried to take our flood insurance out of escrow and they just closed our escrow account instead and sent an email reflecting that. It’s ridiculous that we’re subjected to this company against our will.

My mortgage was transferred to Mr Cooper and I was required to escrow for my new flood insurance. I told them I had a savings account earning good interest that I'd prefer to use, but this was disallowed. Well, my first flood premium with Mr Cooper is due on 9/21/2025 in the amount of $1509. My worst nightmares are fulfilled. They issued a check to the insurance on 8/5/25 in the amount of $1625 (wrong amount, great job). To compound the problem, they issued a second payment to the insurance company on 8/11/25 in the amount of $1639 (wrong amount, great job). Beyond the fact that they are incompetent in paying the actual premium amount, they paid twice!! And 2 different amount!! My current escrow is now negative and I'm sure they will shortly harass me to make up the escrow shortfall.

Unfortunately I got moved to a flood zone and Mr. Cooper requires me to escrow instead of utilizing my savings account and earning interest. This is the first year for them to pay my flood insurance and they completely did it wrong. My payment of 1509 is due on 9/21. On 8/5, they paid the insurance 1625. Then, they paid them another 1639 on 8/11. Now I have a negative escrow balance and I’m sure they will harass me to bring it current. I tried to call the insurance department but their phone system is prohibitive to reaching a human. Called regular customer service who got someone on the phone after 10 minutes. They had no clue and came up with excuses like - we received a letter with an amount 3 months ago and just paid that. Really? You paid twice and neither was the correct amount.

In 2024 Mr Cooper paid the wrong amount to my insurance company; which screwed up my escrow. I attempted to call several times to resolve the issue, but could not get the issue resolved. Finally I used an attorney and got the issue fixed. In 2025 30 days before my insurance was due I sent Mr Cooper my new insurance company information and they still paid the old insurance company and that screwed up my escrow. I have been asking for assistance since May 2025 and all I get is automated messages claiming my payment is late. Mr Cooper uses their automated customer service to attached fines and fees. I reported this to the CRFP but they did nothing. Mr Cooper and the CRFP NEED TO BE FIRED

Failed to pay our property taxes, issued multiple wrongful surplus checks instead, by the final instance when property taxes were actually paid it caused a major negative in our escrow because they just kept sending surplus checks. Raising our mortgage substantially and they are refusing any accountability on their end.

MR. Cooper does not allow me to pay off the shortage on my escrow. They simply want to keep adding more to the monthly due to the shortage. This seems like a scam to me. Why can’t I pay off the mortgage myself? They are unable to give me a reason, and simply say that’s their policy.

Rude customer service agents. Poor business practices. My loan is paid off but they want to send back the over payment and want me to wire them funds, even though the funds are in their possession now.

Literally the worst mortgage company ever. The new Freddy Mac. They try their hardest to get you to borrow against your home and they continually raise your mortgage rate until you’re almost at the point of losing your home because you can’t pay. Garbage company, garbage customer service and terrible, inhumane business practices. I’d literally go to a loan shark before I ever do business with them again!! Unfortunately Wells Fargo sold my mortgage and I have no control over the situation.

1-Star Review: Final Mortgage Payment Disaster. I just made the final payment on my mother’s mortgage with Mr. Cooper, and the experience has been nothing short of outrageous. I used the exact same online payment method we’ve always used — the same method Mr. Cooper accepted for years. But this time, they rejected the payment without any prior warning and then charged us $1,000, claiming the last payment had to be sent to a "different account" via certified funds.

Probably the worst customer service I have ever experienced. What they do with insurance borders on fraud and their employees attitude is abysmal. If Nationstar/Mr. Cooper buys your mortgage pay it off or find another lender. I can't find words to describe how bad they are.

Absolutely terrible company.... There's not enough characters to say what I need too.... Shady.... all the way around the board. They can never explain any breakdown of why the escrow is short.... They just want $$$ or else.

As a real estate professional I cringe if I have to do a deal with them. The absolute worst. Worst communication, worst transparency, the lack of state to state knowledge is incredible. Please please please - choose another lender. Talk to your RE Agent - offers using Mr. Cooper as the lender automatically become less desirable. The stress this company causes with their less than knowledgeable processors and mortgage officers is beyond my comprehension.

Updated on 07/15/2025: I just got off the phone with Mr Cooper. We have been trying to get our funds since June 3rd for a house fire that we had last September. After being on the phone again for far too long they told me that there is no request for funds. Our initial request for an inspection was on June 3rd. They scheduled us for the 13th. It was a Friday. They didn't show up. They rescheduled us for the 27th and they showed up. Here it is July 15th, I was on the phone last Tuesday for an hour and a half trying to get a status of when they're going to send our funds. I am so sick and tired of them saying 2 to 5 business days for every little thing. Then all of a sudden they needed blueprints and the contractors bid, so we submit that last week.

I have my mortgage with Mr. Cooper for years with my due date the 22nd of the month for the reason I only can pay it with my social security check. Now they changed it to the 15th of the and I can't pay it by then because my check comes 3rd Wednesday of the month. So now it's accumulating late charges and it's not my fault. I called twice and they won't change it back.. Not accommodating to a customer at all. TERRIBLE CUSTOMER SERVICE!!!! I hope Rocket Mortgage that bought them straightens them out..

Good luck trying to speak to a human being via phone. It won't happen. The contact number you call is nothing more than an automated menu that will not allow you to speak to a human. Live chat with PAKISTAN or INDIA was of no help in putting me in voice contact with a human. I am beyond angry. Companies that intentionally try and prevent direct customer contact (and there are many) deserve to be audited yearly by the IRS. I would not do business with them, but have no choice due to loan transfer. Another issue in itself....

Since our loan was transferred from Wells Fargo to Mr Cooper early in 2025, we have experienced nothing but challenges with this lender. Trying to reach a live agent is like trying to personally see God face to face...IMPOSSIBLE. They send "collections notices" in texts when the mortgage isn't paid right on the first of the month, though we have never gone beyond the late date. June 9, 2025, I called six times and tried to reach a live agent after my wife received one of these "collection" notices.

Absolutely awful company. I did not choose them, my loan was sold to them and I would refinance to get it out of this company if my rate wasn't so amazing. They do not have a way to get in touch with anyone unless you tell their automated system you would like to make a complaint, they take their sweet time getting your insurance payment back to you after a major loss so just hope if your roof takes a hit that you don't get rain while you wait on them to do their part so it can be fixed, tarps are great, but after nearly a month... well, IYKYK.

Nothing but headaches since they acquired my mortgage two years ago. Two times now they have not paid my homeowners insurance to AAA. My statement clearly says my mortgage payment includes taxes and insurance. Did they pocket my money? I have no recourse and getting help with this has been impossible. The agents have zero answers nor offer any kind of resolution. Fraud at its finest. BEWARE OF THIS COMPANY.

Wish I could do zero stars. Ongoing issues with Mr. Cooper. They recently bought my mortgage and started charging outrageous additional escrow per month (pre-accrual escrow above my actual taxes and insurance to anticipate future increases in taxes and insurance.) Can’t reach a live person.… I cancelled my escrow account last month, received letter that escrow account closed. While awaiting my escrow refund I learned they went ahead and made my insurance payment for me at an inflated rate of $1,000. Now can’t get the insurance payment back and Mr. Cooper just gives runaround. Chat “help” is useless. Hopeless. Cannot resolve issue with WHY they paid my insurance! Cannot talk to anyone! I wouldn’t recommend Mr. Cooper (Nationstar) to my worst enemy. I wish someone else would buy my mortgage.

We have been a customer of Mr. Cooper for the past year, d/t our lenders selling our mortgage. We have had excellent customer service with them, and every time we've had to contact them over any details, they've been very transparent and helpful. I would recommend them as a lending agent to anyone, whether you're getting a new loan, refinancing, or equity loans. They're awesome!

They sent us a letter letting us know that they would charge us for not having homeowners insurance despite us having uploaded the documents on 3 separate occasions and calling them on the phone multiple times. They FINALLY sent us a letter saying they received it, but couldn't find us having insurance for a out 4 months. Now we're having to send them the documents they already have, that they didn't READ so they won't charge us almost $900. Seriously considering paying to have someone else carry our mortgage. At least with Wells Fargo they only open accounts in your name without your knowledge, but at least they never do this!

My loan was sold to Mr Cooper, and I have not had one positive experience with them since that time. Customer service representatives promise one thing and cannot deliver. Recently sold my house and they continued to draw money for automatic payments and are now making me wait 30 days to get my money back, despite the loan being paid in full. What a crock. NEVER work with this company if you can help it.

Mr. Cooper has the worst customer service of any company that I have ever encountered. It is truly impossible to get a person on the phone. The only way I could get to a person is to prompt the automated system with the word “complaint”. Most unprofessional company I have ever encountered. Truly a joke. Stay far, far away.

Received some remedy this week allowing me to move forward with finalizing affairs. Thank you.

I have had the unfortunate experience of having my mortgage loan bought out by Mr Cooper, and they are by far the worst in every way. First, they failed to pay my homeowners insurance (despite being set up correctly to come from escrow), they then failed to notify me of this until AFTER my current insurance was cancelled. I attempted for two full days to speak with a live representative but their automated system is set up to ensure you do NOT get to speak to anyone. I only had success getting a live person when I lost my temper and the automated system could no longer understand me. I also attempted to live chat - which kept giving me a message saying no one is available at this time - try again later. This was something I could not handle through an automated system or online - I needed to speak to someone to clarify what was happening.

I have been ‘trapped’ in a relationship with Nationstar a.k.a Mr Cooper for about 17 years when they bought my mortgage. They are a debt collector company that was successful enough to branch into a mortgage lender but never stopped with the aggressive debt collector attitude with filters into their agents. If it wouldn’t cost me thousands to refinance with a different lender, I would have years ago. I have never been late but have always been treated like a second class low life dead beat when I call in. It takes days to speak with a supervisor IF YOU CAN GET ONE TO CALL YOU BACK. I highly recommend avoiding doing business with Nationstar a.k.a Mr Cooper.

Ever since my mortgage servicing company was switched to Mr. Cooper, I have experienced the most frustrating situations with their customer service. It is almost as if they don't even exist. I say this because I have tried every possible way to communicate with someone regarding an issue, and no matter how many different numbers I've tried, from the ones they provide to the ones I've found online, you are sent into a never-ending cycle of options, none of which really apply to your situation. After spending over 20 minutes pressing the options that they provide and being led from one option to another, the system hangs up on you when you press zero to try to speak to a real person. How is this company in business? I repeat, how is this company still in business?

The customer service line has no way to direct you to a live team member, the complaint form covers the Submit button with a live chat option, and their live chat option kicks you off because all team members are busy.

There's really only one issue that I've had over and over again. I often send in extra money to go towards the principal when I send in my monthly mortgage amount. Each time they have promised they will put in my file that all excess money I send in will go towards the principal. Instead they will frequently take out two mortgage payments, and then apply the left over towards the principal. This provides them money in interest that wasn't actually earned. I frequently have to call them to get this corrected.

Couldn't get a real person by phone. Just a runaround by a phonebot and the customer service person online could not answer a very basic question, which was simply about what do they have the appraised value of my home. Very questionable.

I have had terrible experiences with Mr. Cooper overall;

It’s a worst mortgage company to deal with. My bank sent payment to Mr Cooper but there was no credit on my account. I tried to call Mr Cooper but You can never reach a real person on the phone. The automated phone system plays circles forever. It’s a terrible experience.

I wish this company would go away. One star rating is one star too many. ZERO customer service. I've spent hours trying to get an issue with my escrow resolved and have been unable to get ahold of somebody. I ended up filing a complaint with the attorney general. My recommendation is to avoid them at all costs, and to put a clause in any new mortgage paperwork prohibiting selling your loan to them.

I bought a rental property in Rochester NY. Plaza home mortgage held the original mortgage. I set up autopay with Plaza as I do with all my mortgages. They sold my loan to Mr. Cooper. Mr. Cooper sent my note to the rental property address for 2 plus months without giving me a call, sending me a text, email, nor smoke signal. After I found out, reached out to them via chat and they had NONE of my correct info but somehow Plaza had all my info. THEN they had the acuity to report me late for 60 and my credit score dropped by a whopping 73 points. I would NEVER and I DO MEAN NEVER suggest Mr. Cooper to anyone.

It is beyond impossible to reach a person. The 800 numbers do not allow you to speak to anyone. The 'Chat" solves nothing. Do not use this company if you have any other choice. I wish I had seen this site before we were used this company. I agree with every complaint on here.

I was forced into a chapter 13 because I was lied to through Mr. Cooper, now that I have a buyer of my home all of a sudden my payoff is 10,000 more than I owe, how can they get away with this? I had a good cash offer. Still forced to stay in the chapter 13 until this is resolved, it's been a NIGHTMARE with even talking to the right person. They transfer you to all the wrong depts, say they will call you back and they don't, I am disabled, senior. The home is falling apart and I can't put another dime in it, I have fault so hard for my land, the home has no value, now that I have a good cash offer it's like they want to keep me in this mortgage. Need help please.

I was given forbearance by Mr. Cooper for 3 months. I was still having financial difficulties so I wanted to extend the forbearance for an additional 3 months. When I was asked if I had any money coming in I told them only social security right now. They told me that if I had ANY money coming in that I was not eligible to extend the forbearance. That is ridiculous! I had social security coming in previously. The social security only covers living expenses not any mortgage payment. To just stop me from getting forbearance solely for that reason is absurd!!

I cannot access my account because Mr. Cooper's website has incorrect two-step verification configuration. It tells you to select an option to receive your code and gives "no options" to select to send code to. Looks like they don't want to provide live customer service help, AI bots as chat help and now, when you add security feature "they provide on their website", it locks you out of your account. SMH.

ONE OF THE WORST COMPANY I'VE ENCOUNTER.... They switch me to a subservice called Lakeview - where live agent are near impossible to get ahold of, continuous issue with payments charging me hundreds of dollars in fees.

If I could leave zero stars I would. This is a scam of a business. Wells Fargo sold our loan to them. They harass us monthly claiming we don’t have adequate flood insurance (yet we do) and they threaten they will start charging us for coverage (underwritten by their subsidiary). Our HOA covers that insurance and we provide proof… They write us that we are ok now yet we keep getting automatic emails that say we need more proof. A complete waste of time…. I think they are trying to get us to pay off our loan early but was interest (mostly paid off and just principal now) and we have no interest in falling for that. Run!!! They have no scruples. And the emails they send are from unmonitored mailboxes making it hard to reply!!

I've applied for a loan modification/mortgage assistance due to the loss of my job. The job loss is no fault on my own. Mr. Cooper keeps saying I have not provided proof of unemployment benefits. I have submitted everything the unemployment office has given me and every day I get a denial kick back. I've been on the phone for days and hours trying to get more forms and the unemployment office informed me they don't write letters, and I only need to provide the documents I was given when I started my unemployment claim. That's the determination letter with dates, wages and periods that I would be granted unemployment.

My VA loan was transferred to them, when Flagstar dumped all their mortgages. This company has a horrible reputation of not paying property taxes and homeowners insurance. I asked my previous lender to waive escrow. They transferred it to Mr. Cooper and Mr. Cooper was supposed to remove it. Debt ratio is below 80% and they refuse to remove it. All other requirements were met. They hold an amount in excess of what my property taxes and homeowners' insurance is, and I am making those payments myself because I can't trust them to make timely payments. I was able to speak to a representative after swearing at the machine repeatedly, but she was smug, would not answer my questions and hung up on me. I'm working with VA and trying to get refinanced with another company.

Been transferred to this company from Jan, and they messed up my payments (only THREE payments). They started with wrong monthly billing amount on statement compared to my previous lender. What is worse is they messed up all the additional principal payments, totaling 180 thousands. Their accounting have no common sense, they made about 90 adjustments in my account and told me they cannot reverse those incorrect adjustments, so stupid that they can make it wrong but cannot make it right.

Horrible service. Mr Cooper put the wrong address on my final payout quote and therefore lost my cashiers check for the final payment of my home loan. It took 3 months and a lot of wasted time - including writing this review - to finally get my money back. It's impossible to talk to a real person there. If I could give Mr Cooper zero stars I would. They have bought a life-time of bad advertising from me.

Did not pay part of my taxes for 2024. Was due by September. Didn't know until I got a letter. Contacted them 3 times since January 27th. 1st time promised to get back to me in 7 working days. Didn't. Called again and said it would be paid by February 12th. Nope, didn't happen. Called again and said they would research and get back to me in one to two days. Still waiting, it's Day 4. I did not go thru Mr. Cooper for my loan. It was thru another company I had for years with no problem. Last company then sold my mortgage to Mr. Cooper. RUN!

Customer service is awful. It has been over a month since I have been trying to fix an issue they made. Every person gives different answers. They love to put you on hold for long periods and come back with no information all to put you on hold again and again. They always say the problem is going to get fixed and to call back in 24-48 hours. Every time I call back they say the person didn't get it done and they will fix and to call back in 24-48 hours. The run-around for an entire month. Hours spend on the phone, mostly on hold. One guy even answered the phone with a huge sign like I was inconveniencing them by calling. These reps are not trained well at all.

Bank Of America sent my last check for final lump sum payoff on Friday Feb 7, 2025. Mr Cooper received the check on Feb 14 , 2025. Mr cooper still has not processed my final payment. There is NO live person to talk with in person.

On February 7, 2025, from 3:48 PM to 5:04 PM CST, I had a conversation with Connor, a member of the escalation team based in Arizona. During this call, he confirmed that a customer representative DID NOT input the correct number of digits for my February payment withdrawal on January 9, 2025. Instead of entering the required 13 digits, the representative only input 12. Connor confirmed that Mr. Cooper LACKS A METHOD TO VERIFY account information, AS THERE IS NO SECOND manual input for verification.

Mr Cooper purchased my loan. Not of my choosing. Would have never selected this company to manage my cat's litterbox. It is next to impossible to speak to a person. Their automated system is specifically and intentionally designed to make it as miserably hard to speak with a person. Once able to get hold to someone after going through a different department, they were of no help. It took almost 2 hours to get to that point. Mr Cooper sends in the mail a statement for the mortgage payment containing all loan information. Yet that customer service person was unable to pull my account up.

My 30 year conventional fixed rate mortgage was sold by Flagstar to Mr. Cooper. I am extremely unhappy with Mr. Cooper on several levels:

Due to how our bi-weekly income post every month we are not able to pay directly on the 1st of the month. We pay extra total of $115.42 for late fees and the mortgage. Obviously like any family who has other bills as well, we cannot be on time every month. We pay every month late and would received phones call before the month is over asking when we will pay. There is a history showing how we pay and they still call. I am just trying to understand why it's okay to lower our credit score because we are late and pay a late fee. They are receiving a transaction already for being late. Why would they think it's okay to affect our credit? It's not like we get points for being on time! No one gets rewarded for but it's okay to penalize customers when there is a fee for the lateness.

We have had a number of mortgage companies over the years, and Mr. Cooper is hands down the worst. On a scale of 1-5 stars, giving them even a 1 star is giving them too much credit. No customer should ever have to go through what we have experienced. As with many other reviews listed here, our loan was sold to Mr. Cooper about 9 months ago. I'm all too familiar with the packaging and selling of loans but wish ours had been left with our previous servicer. The lack of Mr. Cooper's proper accounting of our payments, both regularly scheduled and made in advance, coupled with our pre-paid interest issue, has been an absolute nightmare.

I, also, did not choose Mr. Cooper as my mortgage company. Currently, I am trying to find an address for the escrow department. Somehow, I always have a shortage. Customer service is horrible. There are 3 payments for the year to pay out of my escrow account, Hazard Insurance, Spring taxes and Fall taxes, totaling approximately $4600. This shouldn't be so difficult. Unfortunately, I have an FHA loan and cannot pay my taxes and insurance on my own. Which, I find that insane. Also, I can always see on my statements where the money is taken out but never can see the amounts deposited. Honestly, I believe Mr. Cooper should be investigated.

This is the second year in a row they complete an Escrow analysis and tell me my monthly payment is going to go up again by $100.00 because I have a shortage and I can't get anyone to give me a rational explanation and that is IF, and a big if, I can get anyone from customer service on the phone. I have over $1400.00 on Jan 1, 2025 in my Escrow account (I add some every payment). They tell me I need to have a minimum of $527.88 in that account at all times and I have never fallen below yet they raise my monthly claiming I will be $443.27 short.

Cannot get a custom message through via voice message, email, or any other manner except by US Mail. They deposited a check but did not record it. They mistakenly recalculated the escrow payment and it tripled using wrong data. I did not select this provider. They bought out the mortgage that I purchased from another lender.

Unfortunately my mortgage was taken over by Cooper (not by my choice) and they have ruined me financially. Ever since I bought my house I have always paid my own taxes (on time - never defaulted) rather than through an escrow. It saved me a lot of money doing so since I did not have to pay a high interest rate on taxes and it kept my monthly payments low.

Mr Cooper has asked for my insurance info over and over (the same company I have had since inception of the loan from Bank of America that sold to Nationstar/mr cooper) - I have mailed, it emailed it, certified mailed it, uploaded it. And yesterday I now get another email from them saying they are Force Placing insurance so they can make money off of that - very peculiar that they do this all of a sudden after all these years (HMMM - motive? - I think we all know that). When you call customer service - you can NOT talk to anyone. Just get recorded information, the Chat area is useless as it is a robot, when you try to create a help ticket you can NOT upload anything. Never experienced such a NON compliant company for customer service - so now onto making formal complaints with the appropriate agencies.

I was notified that Mr. Cooper had purchased my mortgage loan from my previous mortgage company. On 18DEC2024 I was contacted by Mr. Cooper to inform me that my payment (my very first for this new mortgage) was late. I received the voicemail and I made a considerable amount of attempts to contact them to resolve the issue. No way to get a hold of a live operator. Made additional attempts to contact them on 19DEC 2024. Again, after spending hours trying to get to a LIVE OPERATOR to assist me. NOTHING! Each and EVERY time I was hung up on by the automated system. This is my first payment for this mortgage and the LAST time I will ever be put in this situation.

You cannot speak with any human for a unique problem they create. Literally have not switched insurance companies. They said my policy is expired (when it’s just a new yr. Renewed) then I submit the declaration online, yet MY INSURANCE IS THREATENING TO CANCEL MY POLICY BECAUSE THEY ARE NOT PAYING OUT OF MY ESCROW ACCOUNT AS REQUIRED. And you can’t get ahold of anyone. I have had over 12 mortgage companies and there should be laws in place for how terrible this one is. I should have to spend hours on the phone and online every yr. Trying to get them to pay either taxes, or insurance FROM MY ESCROW ACCOUNT. Stay very clear. And if your loan transfers here, hopefully your interest rate is close so you can refinance to get away from them.

I am trying to make a principal payment in the app and I can't, I call customer services and the system doesn't have the option to make the payment and never communicates with a representative, very poor customer service.

Mr. Cooper mortgage is a mess. They have screwed up my escrow account and entered the incorrect information into their systems. My escrow account produces a shortage after they paid out my tax bill. My escrow account was due for review instead of fixing the amount they decided to keep it the same and keep then shortage going. None of the escrow representatives were able to do the math. Me being a business major was more competent at doing the math than their company that specializes in it. This company is a disgrace and un-organized.

Fact: Keep this in mind when you look at MR. Cooper. They will not call, email or text you if your payment goes up. If you are like most people, you more than likely to put your payment on auto pay for peace of mind. As you can tell where this is going taxes did go up and was not notified of such my payment did go out and cashed. Cashed but not put towards my payment. They held on to my money for 30 days until I got a late payment which in my history have never had. Not only a late payment but also got a ding on my credit. Over 100 points from 810 to 702 for $60 that my taxes went up. Wonder how much money they made on my payment they didn't put towards my account. All I can say is very cautious if you have this so called financial institution. Many of us don't have a choice when they buy up loans and stuck with them. Still looking to find a way to fix my credit.

I stared at this screen for a few minutes because I don’t know how to express my complete disdain for this disgusting and inept company. They prey on people that are facing hardships, especially veterans. They lie over and over again, and they refuse to work with you. I was on a special forbearance after becoming disabled where I’m unable to work. I’ve kept in contact with them giving them updates at least 2-3 times a month. Loss mitigation department stated to me numerous times when I get my ssdi retro pay I can pay the arrears. This past April I was awarded full disability after approximately 2.5 years as well as I am 100% p&t disabled veteran. I received my ssdi retro in July.

If I could give this company a zero rating I would do that. I totally agree with all of the other folks that unfortunately were sold to this horrible company. We never received their “Welcome packet” and it took me awhile to realize “Mr Cooper” mortgage co was not spam - who in this day of constant email spam names a mortgage company something that does not sound real.

I received a notice to write checks to Mr. Cooper. I feel so uncomfortable as if this is a scam. I received a sketchy letter regarding moving of my mortgage. It is difficult to trust a company by that name.

Updated on 11/19/2024: In a recent review I just did exposing the falsifying of documents by Mr Cooper as the loan servicer for Bank of America, the withholding of information and documents to cover up them withholding my rebuild money from a fire that occurred over 10 years ago, their realtor breaking into my property through the locked gates, breaking in through the window of a studio where a renter has resided since 2020, stealing the mail and changing the locks, attempting to bribe the renter to immediately vacate, then transferring title of my property on October 24th 2024 to Bank of America who stated they relinquished all interest in the loan in 2012, someone responded to that review from Mr Cooper named Kaylie **.

Mr Cooper recently purchased my mortgage from Flagstar. Their transfer letter stated clearly to make the payment directly to Mr. Cooper. However, 10 days later I receive another letter saying not to pay Mr. Cooper until the transfer is complete in mid-November. Too late, I have already made the payment. Now the clowns at Mr. Cooper have no idea where my money went. I have already spent time on two calls with no fix. If Mr Cooper reads this, please don't refer me to a generic customer service phone number where no one can answer a question. I have no intention of making another payment this month. If I get late charges, I will sue. I know of at least 10 other people with the same problem.

My home was damaged by a tornado in March 2024. Because I have a mortgage, Mr. Cooper is party to any payments made by my insurer. As of today, Mr. Cooper is holding over $100K of my repair funds, despite my outstanding balance on my mortgage being just over $70K. In other words, they are holding nearly $30K of my money from my insurance company to fix my home. For over a month, I've been promised that "the overage" will be sent to me, but I have received nothing. Last week, when I called (again), I was transferred to the mortgage department, where I was told that, for a fee of $25, I would be given my payoff amount on my mortgage. In other words, I was asked to pay them to let me know how much money I owe so I could know how much of my money they're holding!

Mr. Cooper is scam. Do not use them unless you want to be screwed over. Good luck getting anyone on the phone that speaks English or knows what's going. Wells Fargo sold my mortgage loan to Mr. Cooper and they have been nothing but TERRIBLE. They are refusing to pay my insurance out of my escrow because it is not rated "B+". I have had this insurance for 5+ years and they refuse to all me to continue my policy with them. They told me if I don't find a new insurance in 5 days they will assign one and make my house payment increase significantly. How is this ethical? I received a call from my insurance company regarding my insurance not being paid and Mr. Cooper was just not going to pay it and not tell me. This company is unethical and SUCKS.

This company is abysmal. They acquired my mortgage toward the beginning of the year, but the account displayed as closed, so my credit took a nearly 30-point hit. They send you nearly a dozen marketing emails a week but don't actually contact you about things that matter—like the fact that they had a glitch in their automated payment system, so my mortgage payment didn't go through. You can't get through to anyone on their automated phone system, so you have to message them through social media to get a number that actually works.

What a horrible mortgage company! Mr. Cooper took over my loan about a year or so ago. It's been nothing but headaches. I received a letter in the mail saying I need to obtain homeowner's insurance or they will charge me for coverage... Uh EXCUSE ME?! What are the escrow payments I'm making?? Don't YOU require me to pay you so YOU can ensure I have coverage?? I auto-renew with USAA for the past 6 years I've owned my home, if anything my previous lenders overpaid and I received refunds.

Worse company ever! I've tried so hard to talk with a live person. It keeps me in the Voice Automation loop. I wanted to let them know that I've decided to pay my own insurance and taxes. The voice automated system keeps saying that it understands complete sentences but it keeps only giving me 3 options in the automated system.

Terrible, cold corporate entity. Their system is so unfriendly to use, so difficult to communicate and resolve issues. I have tried repeatedly to call only to get caught in an automated system that will never let me speak to a representative.

Whatever you do, don't escrow your insurance with Mr. Cooper. Our mortgage has been serviced by Mr. Cooper for 3 years now and they have paid our insurance bill late every year, subjecting us to late fees and letters from the insurance company threatening to cancel our insurance. Well this year, they actually did cancel our insurance for non-payment and have refused to reinstate it due to historical late payments. Now we haven't had home insurance for weeks, have been scrambling to get new insurance (many won't insure us now due to a lapse in coverage).

For as long as I’ve had a mortgage loan with various lenders (40+ years 8 companies) I find myself here so irritated, annoyed, and wanting to express my absolute displeasure about Mr Cooper. My loan servicing was recently transferred to a “servicer” that offers automated service ONLY!! Spent over an hour trying to make contact with a live human without any success. Same circle in the phone queue, not one human response. It is only here I find myself writing this and come across a number that should be posted to all their customers. I called 1-888-509-2432 and a live person answered my call. What a delight. I truly look forward to the next notification of a servicing transfer. Not many years in my life, this kind of torture is not needed. Side note, my dad has his servicing with Mr Cooper also. Six months ago he was told their phone system was in the works for updating and this problem would be resolved. Yeah Right!!

If I could give zero, I would. HORRIBLE, the worst, customer service. Only able to confirmed that my old, UWM loan moved to these cats, but then could not speak with any one on the phone, all automated. The same lack of customer service while attempting to get answers via the web site. Both phone and website, are AI generated "help" (lack of I should say), no one to speak with. No one and no AI, could answer my loan questions. Ended up spending a few bucks and moved my loan to another lender, who, by the way, has LIVE people to discuss loan information with. Thanks for nothing Mr Pooper. I have heard from several folks that Mr Cooper came about due to this exact poor service via Northstar Mortgage.... hmmm... seems even a name change can not correct the problems??? Date of experience: July 2024.

I needed a new escrow analysis. Instead of being able to get online and request this one must call. It’s a virtual assistant and very difficult to get a real person. It required multiple calls and time on the phone. I wrote a letter, recommended they make this process available on the website. I got some ridiculous letter back stating my escrow analysis was correct. I had already gotten a new analysis and it was correct. I never disputed that. So essentially I got a response to something I didn’t complain about.

Worst company to deal with. They will call you unnecessarily. Call you and waste your time. One of the worst services in the industry. Will not recommend to anyone to use this bootleg company. Totally unprofessional!

Terrible customer service. It is very difficult and time consuming to reach a human representative. I can't get confirmation that I uploaded documents they requested and I'm not receiving answers to my questions. I'm frustrated and fed up.

The worst mortgage company out there. I was with United Wholesale Mortgage, and Mr. Cooper bought my loan. I read into this company when notified of the transfer. Everything I read is coming to life with this company. They adjusted my escrow by $270 in June, yet taxes and insurance didn't change. I've seen that they have paid out almost $200 million so far this year, 2024, in lawsuits. They are creating foreclosures by raising mortgage payments. I'm so new to my loan that I can't drop my insurance and taxes. I'm going to refinance just to get away from these individuals. I don't understand how they are still in business with such questionable practices. All I can say is I want out as soon as possible, and that's not soon enough. Very frustrating.

They do not allow comment on their social media accounts. That says it all. Horrible, terrible, service nonexistent. Scam overcharging frauds. They have charged me for 4 inspections thus far and telling me I need another while withholding my funds. How is this company allowed to do this? Maybe a class action suit is needed again. There are pages titled Mr. Cooper sucks etc. You don't see that for reputable companies.

I accidentally paid twice and now my bank account is overdrawn. All I need is a refund for the payment but I'm getting the runaround. I'm a senior lady who lives on social security. They said I should have it back in my account in 24 hrs but it's been a week of calling them. People do make mistakes. This is the first time I did. I don't understand why they said they would refund the money and then they don't. Now my dogs and I will not have any food until the next month. 404.61 may not seem like a lot of money but I'm on a fixed income. Please refund it please. ☹️

How this awful company gets more than 1 star I'll never know. It's almost as if you're dealing with a fake company. Loses payments, charges dumb fees, and totally disorganized. The worst mortgage company I've ever dealt with. I've never been late on a payment and they still can't get those stuff together.

Thank you for letting me know that Mr. Cooper nor its investors support disabled veterans that have reached out to you countless times for assistance. You are the main reason disabled veterans like myself end up homeless. I appreciate you and your investors taking the time, once again, to show your lack of support for the military veterans. How hard would it have been to just add my amount I owe on the back end and extend my mortgage by a few months? Instead, after missing 2 payments, due to the Mr. Cooper software messing up, Mr. Cooper and its investors would like to put a disabled veteran under more stress by making sure that it is more difficult for said veteran to ever get help. I have missed 2 payments in the past BOTH due to billing software problems on the Mr. Cooper end. Thank you, once again for showing EXACTLY why veterans end up homeless.

I absolutely HATE MR COOPER. Every time I call customer service (when I actually can talk to someone) they give me a new issue with my VA Exemption. I have been having issues with them for years trying to put my VA Exemption through. It's either the customer service rep has no idea what to do or I'm either waiting on their third party branch CORELOGIC to update the system.

Updated on 09/13/2025: The worst mortgage company I've ever dealt with!!! Tonight it won't let me on their website to pay on my principal. It says I have the wrong user name or password. I triple checked it and it was right. The last time it said my code was wrong over and over again. I finally called in and the only reason I reached anyone is because I was given a women's office number because I could never get anyone when I called. And that wasn't until I filed complaints with the government. Their website is messed up with no IT personnel you can call. Can't wait to pay my loan off and be done with them!!!

They sell you the Moon in the application process and on the back end they cannot deliver. I pay my payments weekly (monthly mortgage / 4 = $500 ea wk). I send in and they put it into a holding account. My payment is due on the 1st and no fee is due till the 15th but they hold off and don't make the payments till after the 16th and then they take a fee out of the overage I send in ea month (4.3 wks/mo). When you call in for answers and a reversal of the fees they tell you the fees have already been paid/applied - too bad for you. Not people friendly. Volume only. "We handle 4.3 million loans...." Too big I would say for any worthy customer service. And this is supposed to be from USAA /a Veteran friendly company = go to Navy Federal.

This is one of the worst mortgage companies that I have ever used. Unresponsive with customer service. I called to pay off my home and they told me to send a cashier's check in a certain amount. I did that, but they used my escrow instead to pay off the loan and then will not give me the check back and told me to go to my bank to get it back and their letter stated that they will shred the check. My bank said that is not how it is done. When you try to call customer service after you have paid your loan off, it only gives you 3 options and none of them are to talk to a representative. I had to call another number and choose that I wanted to buy/sell so I could talk to a representative. I have gotten the runaround and they are still refusing to give my money back. I consider that theft of money. Never ever use this company. This is just one of many issues that I have had with them.

I am writing this review to express my frustration with Mr. Cooper's policy of empowering employees to manage and solve problems in real-time. Background: The State of MS overcharged my property taxes. They were notified and corrected the problem right away, and they issued a refund to Mr. Cooper on January 18th. I called about two weeks later and talked to someone who said I must wait 8-10 weeks for refunds. It seemed a bit long for a check to clear, but I guess I have to wait. Moving forward to 11 weeks, no refund still shows I'm negative on my escrow.

Mr. Cooper has repeatedly messed up our auto payments, and has had multiple data breeches. Then in Jan 2024 we had a radiant floor leak resulting in 207K worth of damage to our home. We have been displaced from our home since January. Insurance has been very difficult refusing to release payments and restarting our claim 2 months into the project. As a result we have had to pull 52K of our own money to fund construction purchases to keep the project moving. The insurance company has finally released two checks totaling 100K. The insurance payments must be sent to Mr. Cooper to sign off before we can send the money to our contractor. The insurance is already holding funds based on milestones and this 100K portion is only to purchase materials, not complete work.

Is very disappointing that I follow all the instruction and they can not sent a very important document with tracking number, I sent an enveloped from UPS and they didn't use it, they said was rejected. And also is so frustrating that when you make a phone call, is so hard to get to talk with a human being. This company is so awful. Very irresponsible.

This company exists to robocall its customers. We pay our mortgage directly from our bank on the same day each month. Never late. Always the right amount. Nevertheless, Mr Cooper robocalls us twice a day claiming our account is past due. We've called. They acknowledge that our account is fine. But then the phone rings . . . They deserve a class action suit.

As soon as I can get away from them the better. You can't talk to a real person when you call them. They raise my mortgage every single year because my escrow is short EVERY YEAR. I tried to refinance with them last year and had to pay $500.00 for the appraisal. They knew the entire time the loan would not work they just wanted a sale. They were not at all concerned about my mortgage. Now they have been hacked, so every thing I have a jeopardized. They sell my information to third party's maybe they should stop selling customers information. The escrow this year is $72.00 short per month yet my mortgage is going up double that.

I had a escrow shortage which I paid, yet Mr. Cooper still raised my monthly mortgage payment. I tried calling them for an explanation but the automated machine just keeps putting me thru a loop and denied me to speak to a live representative. The online chat was the same. Unfortunately, I cannot move my mortgage to another servicer. I advise everyone not to get into a relationship with this company. They are the worse.

So Mr Cooper was hacked in Oct 2023, took them quite a while to provide credit monitoring. So they sent a letter with a code for Mytrueidentity in Jan 2024, owned by Transunion. When I entered the code, I was denied the account. I called Mytrueidentity as instructed and got the Philippines. Honestly, this is an insult to put my credit monitoring overseas by an American company. With all the fraud and a company that was hacked, my information is at an increase for theft.

My mortgage has been sold three times. I have ended up in the hands of our scam artist uncle known as Mr. Cooper. The customer service representatives that answer the call line are kind and friendly I will say BUT good luck trying to get in touch with your "dedicated loan specialist" listed on the statement. During the pandemic my husband and I were both out of work due to the virus and lost a job and wages. Reached out to them to see what my options were. They did let me know I could do a forbearance but of course once that is over the full amount is due!

The recording states my tax documents were mailed 1/31/24. Not rec'd by me 3/9/24. All attempts to communicate shut down. Then I cannot speak to a person. This MUST be illegal. They are denying me access to tax documents.

I have been a home owner for many years and have dealt with many mortgage companies over my lifetime. Mr. Cooper hands down is the very worse company. My mortgage was sold to them. I would have NEVER selected them as my mortgage. In two months I have been with them, the following has occurred: My insurance was not paid. I had to call them to pay it out of my escrow. I was placed on hold for 20 minutes. When the representative returned to the call, she stated that it had been sent over. I assumed digitally. It was MAILED. NOTE: The payment to my insurance, State Farm, whom I have been with for over 4 decades, is now over a month late.

I have received voicemails from them saying that it was urgent that I get in touch with them about my account. But when I call the number they gave me, there is no option to speak to someone. It is only the automated system and there is no option to speak to someone. I cannot believe that this company survives. I will be looking for another mortgage company ASAP.

My mortgage was sold to Mr. Cooper. I had so many problems with the transfer. I have realized the company has back door deals with insurance companies. I have records of conversations with the staff regarding escrow, insurance and double billing insurance. After countless calls, and arguments, I was able to get my money back from their deliberate double billing.

My loan was transferred to Mr Cooper company in April 2021. Unfortunately, I did not know at that time whom I would deal with. Their customer service representatives are not knowledgeable, not trained, and do not care about you. They are unable to answer any question without researching than reading the instructions back to you. They lie, twist your words, change their stories, and say some common phrases. I requested the specific forms via their website mailbox last summer, and I had never got them. They been sending me nonsense papers, but not the forms. Moreover, there is no saved incoming or outgoing emails in their mailbox. It is very hard to get in touch with a supervisor. However, even you get one on another end, it does not mean that you will be correctly and fully informed.

My experience is long but the gist of it is is Rushmore sold our mortgage to these people and it has been a nightmare ever since. We get different information from different people. They put forced placed insurance on us before notifying us our homeowners insurance company filed bankruptcy and was up until a few months ago but they still claimed it was lapsed. They refused to refund us our fees for the lapse & fees so instead they raised our mortgage payment a few hundred bucks for about six months which in turn forced us to file bankruptcy.

Back in 2019 I became sick with covid and subsequently lost my job. Mr. Cooper had taken my mortgage over and that was the start of my life being literally destroyed by these people. You cannot speak to a human because this company is nothing but a website. What documentation I could get on what I owed before they stole my mortgage and subsequently my house was way off from what I originally owed. I also applied for a forbearance 3 times using their online form (Because again, you cannot speak to a human it's all online.) and I never got an answer from them. They never processed any of the three forms I submitted. And every time I tried to contact them to get an update I got stonewalled. Long story short, they stole my house and I owed approximately $150K. I can prove this because I kept all my documents.

Mr. Cooper is a loan servicing company that services mortgage loans all over the US. In November of 2023 they experienced a security breach which compromised millions of loans and data and transactions associated with those loans. The company was inoperable for over a week due to the security breach. The settlement on my property was delayed for 2 weeks due to the inability to reach Mr. Cooper to request a payoff amount and once reached their inability to provide a payoff amount. Once the security breach was resolved and they were accepting payoff requests, the payoff amount incorrectly included an “expedited fee”.

Appears Community Banks of Colorado sold my home loan to this enterprise. I have not received any notice from Mr. Cooper nor able to call them: their systems were locked because they hacked. I called Community Banks of Colorado. They confirmed that the loan eff 11-01-2023 was sold to Mr. Cooper. I could not reach Mr. Cooper via phone, nor the system recognized a new loan. The letter that I have received from Community Banks of Colorado stated: "the law requires that the present servicer send you this notice at least 15 days before the effective date of transfer. Your new servicer must also send you this notice no later than 15 days after the effective date or at the closing." Mr. Cooper send the notice to the property I used to own back in 2018 and that was sold in 2019.

I had Mr. Cooper purchase a Mortgage I own. What an awful company! This company is the epitome of what's wrong in the housing industry as they buy large swaths of mortgages sight unseen and then hold individuals assets hostage while they profit from them. We all work our tails off to try to advance and create future growth for ourselves. Unfortunately this company will hold your equity and not let you access it. The worst and most corrupt company I have ever seen.

Disabled Veteran DOES NOT RECOMMEND them. My loan was transferred to them years ago. I've paid on time every time and built my credit strong to refinance and they are running me thru circles to refinance and get MY CASH OUT MY EQUITY! I'm tapping into my equity to keep these cancer treatments and medications coming for my wife to get better and they are not timely on follow up and not clear on what's needed to expedite the process. I will hear nothing all week and Every Friday like clockwork I'll call to find out where I am only to get an request for more documents that are not necessary and needed.

Mr. Cooper erroneously objected my approved funds from the state Mortgage assistance program (ERMA). I applied for the ERMA program February 2022. The state notified Mr. Cooper of my approval July 2022 & Mr. Cooper erroneously sent an objection letter to the state in Aug 2022. As a result, I received a letter from the state ERMA stating: "Your mortgage servicer has objected to your inclusion into the program". I have several recorded and noted conversations with Mr. Cooper which confirm that Mr. Cooper had NO reason to oppose my acceptance into the ERMA program.

Our loan was transferred to Mr Cooper. It's been a constant struggle. Most recently my payment was increased. The first CSR gave me a myriad of reasons. Which were easily refuted. Her last try was saying my Escrow account had been depleted. AGAIN wrong.. according to all my statements I have retained well over the 2 month reserves. The CSR's are the most inept I have ever dealt with. After reading 1000's upon 1000's of similar complaints on various sites as well as discovering 2 class action lawsuits.. We're now working with an Attorney.. This may very well be another Class Action lawsuit.

They acquired my mortgage from Wells Fargo and it has been a nightmare just to set up biweekly payments. They do not have updated technology or the capability to do this without utilizing old methods, such as cancel checks, hardcopy, documents, and snail mail. I feel as if I have been punished by my previous mortgage holder for whatever reason, and now have to deal with his ass backwards company. I will be sharing my experience with everyone, I know in finance.

Mr. Cooper bought my mortgage from PHH Mortgage. I never had a single issue with PHH in the past. During the first week of owning the mortgage, they withdrew the original monthly payment but did not show it on the website. I changed the autopay to make an adjustment to my additional principal amount, which resulted in two additional payments (3 payments in total) being withdrawn from my checking account in the span of one week. I called them and asked to reverse the two additional payments, which resulted in more bad math and miscalculations of principal vs. interest. This company's financial systems and practices need to be investigated by Federal authorities.

I've reached out to this company on several occasions only to be shrugged off. They can not seem to keep my escrow intact. Ever since they bought out my loan it's been nothing but a miserable experience. Will not report to credit agencies. Never contact me about escrow payments or lack off. Every year I always owe more and more to escrow. Which in case runs my payments up anywhere from 80 to 100 dollars every year. It would be better for me to pay my own insurance, because apparently they cannot. Worst experience ever for the last 2 years. If there's another mortgage company out there with better customer service PLEASE buy out my loan from Lakeview.

This company is a complete trash. I am being forced to sue them. It's my understanding under Colorado law it can be a class action if there are two similar complaints. So I researched. It was very fast research. They have had a class action lawsuit yearly for the last 3 years. Obviously, I am not the only one they try to screw over. I will be suing for treble damages. You have been warned. Just google them.

I purchased a home in June and my loan was sold, unbeknownst to me to Mr. Cooper. In January I received notice my escrow was short 881 dollars. I paid the escrow shortage and sent in the bill as well as the wrote to escrow on the check. It was instead applied to my principal, not the escrow account. I called them and they said they would fix it. Then In March I got a bill showing my payment was going up 80, which was only supposed to happen if I didn't pay the escrow shortage, again I called them and they said they would fix it.

My mortgage was sold to Mr. Cooper 5 months ago, and it has been a complete nightmare dealing with their incompetence since Day 1. I had bi-weekly autopay set up with my previous lender with no issues. When I tried to set the same up with Mr. Cooper, they made me pay a double payment so the mortgage would be paid one month in advance. I did so, and they couldn't figure out how to set it up. A month went by, and I had to pay another double payment so they could try to set up autopay again. I did so, to no avail. Another month went by without it being set up.

My mortgage was sold to Mr. Cooper and I've had nothing but problems. Don't willingly use this company. They locked me out of the site without any explanation...I found out that despite being the sole owner on the title, my ex (on the mortgage from 8 years prior) claimed Chapter 13 and listed the house. They locked me out, the non-bankruptcy filer for the duration and then took anything I paid and put it towards HIS legal fees. I was charged $2500 in legal fees...

Horrid customer service. My mortgage was sold by Amerifirst to Mr. Cooper and it has been one frustration after another dealing with this new lender. The website is like a carnival page with constant ads asking you to buy more of their services once you log in, and their customer service message center is a joke. Not a single ticket has been addressed, all they do is post some generic canned response that is not even remotely connected to the question posted. Then they mark the ticket as closed, so you can't post any follow-up messages. They also don't report to the credit bureaus in a timely manner, so be prepared to see your credit score drop unnecessarily.

So, I was currently in chapter 13 bankruptcy and discharged as of November 1st, 2022. Then as agreed upon with the court until its finally discharged I was told to start making payments starting May 1st of 2022 until my final decree was approved and finalized which was November 1st, 2022. After being able to access my account in August of 2022. Mr. Cooper had me at a payment behind. I called and called about the error that Mr. Cooper was reporting on my credit.

They were amazing. The people who helped me were so easy to reach out to by email. They respond really quickly. Also, they were very thorough at explaining things so I could understand them. The main representative who helped me was the sweetest. She always called and left me updates. It was a smooth process. Doing the refi with them has given me more peace of mind.

The application process with Mr. Cooper was short. In terms of their communication, they could have let me know where I'm in the process and what they were waiting on. At one point, they didn't realize that I had to reach out to my insurance company. So, I was just waiting. They usually call, they ask questions, and if I needed help, then I could have sent it to them. It's just it sounded like they had a lot on their plate. So, whenever they were available, they will get back to me. The response time was somewhat okay. There was another guy that I could reach as well and he was available. When I didn't get him, then the other girl took a little longer time, but it was okay. I got a lower interest rate but it could have been lower. Overall, the process was much easier than I thought it would have been.

I was online, looking around, trying to see about refi. Because I had that goal of mine, refinance my house in three years. Mr. Cooper called me within 5 or 10 minutes. We ended up closing that day because interest rates were lower that day than normal. And the entire process was good. The only thing that got held up a bit was I had a lien. It had been satisfied. It was a second mortgage for a grant that I got. But Mr. Cooper was on it. I did what I was supposed to. And everything was expected.

They have great customer service. Up to the time of refinancing, you deal with different people, but it was consistent. They were kind, patient and understanding. Overall, I would recommend them.

The application process took about 30 days and Mr. Cooper made it easy and very detailed. The rep answered my questions every time I sent her an email very quickly. So, it saved time. Refinancing with Mr. Cooper freed up some income, so I could pay down bills. I'm a busy woman and it was quick.

We've been a customer with Mr. Cooper for a long time. I've had questions and the correspondence with customer service people over the years, and they've always treated us fairly. They answered all our questions, and they made it a pretty smooth process. The application process this time seemed a lot faster than the one we had 20 years ago when we first went to Mr. Cooper. The payment went up a little bit but to be able to get out from underneath some credit card bills and some other things, it's really helped us. Everything went great. We were very pleased.

They're very customer-friendly and customer-service-oriented.

The process at Mr. Cooper was easy as could be. We didn't even have to go sign paperwork at an office on the other side of town. They sent somebody out to our house to sign paperwork. It was wonderful. Our rate was a little high. But it was still one of the better rates that we were able to find. They've been also really good. Any time we had any questions, if they were not able to answer on the phone, they would get back to us within 24 hours. Everything's been perfect.

I went on a forbearance plan during COVID. I was allowed NOT to make payments for a year. Illegally, Mr. Cooper made derogatory remarks on my credit every month for a year. They ruined my credit unnecessarily! Forbearance was a national/global forgiveness period. Eventually, I got back on track but they simply ignore my requests to fix my credit. The entire process with them was delayed, unusual, unprofessional. I was surprised. There is something wrong behind the scenes. I am still trying to fix my credit through the bureaus. Stay away from Mr. Cooper!!! (Nationstar Mortgage)

The reps were very communicative and easy to get in contact with, whoever it was I needed to, within the process. It was a great experience. Mr. Cooper is a very good company to work with. If they service your loan, it's really easy to pay your mortgage online through them. You'll be in good hands and they'll walk you through the process as needed. They definitely have your best interest in mind whenever they're walking you through everything and are very good at explaining what things mean if you don't know.

I was on a forbearance plan due to an illness. I was told I didn’t have to pay until that was up, but I still paid a little bit monthly. I had always been a good customer and always paid on time. Even though I was on the forbearance plan, I still paid as much as I could monthly yet they still reported me to the credit companies. You can’t just change your mortgage company without changing your rate so you’re stuck with a company who doesn’t care whether they ruin your credit or not.

The application process was very easy. My employment records were all accessible by my social, and Mr. Cooper didn't need very many documents. I found it all in a timely manner, and it turned over really quick. The first person that I talked to was expedient, but she was taking some time off in a few days, so that might have helped with how efficient she was. Still, it was good. I was done with her within a week, then I waited another week for everything to be finalized.

We refinanced our loan to get cash out for home projects, and the process was relatively easy. We had a bunch of stuff, so it was just mostly emailing our attachments to our provider. We had one hiccup with the portal though. It wouldn't take one of the documents, so we had to email the person and they uploaded it to the portal. It wasn't a hassle at all, and the reps were very good. They were quick to respond and thorough on explaining the whole situation. We got to increase the value of the house as well. That was nice. Overall, I'd recommend the company because we've had no bad interactions with them.

I needed some cash and in the end, I got what I wanted out of Mr. Cooper. Their communication was okay. The biggest problem I had with them was their privacy was lacking. They use the last four digits of your Social Security as a password. They didn't seem to be too concerned about privacy at all.

When I started talking to Mr. Cooper's loan officer, he was easy to work with and the rate was good at the time. Also, the process went through quickly. Rates have gone up a lot. But give the loan officer a call and see what he can do for you. He was good.

Refinancing with Mr. Cooper was quick and easy and everything fell into place in a timely manner. They walked me through the application process. The two people I worked with were good. They knew what they were doing.

I had bought the house and remodeled it and done a lot of remodeling on a credit card, so I had a lot of credit card debt. I assumed that since the house was worth more, I would be able to refinance it, but for some reason, no one wanted to refinance it. Since Mr. Cooper had bought my mortgage and I had a very low interest rate, I thought, "Well, it might be good for them to refinance too, because they're gonna get a better interest rate now that the rates were up." So, I contacted them, and they looked at it and said they would refinance, and everything went smoothly. It was a very easy process.

The Mr. Cooper rep I worked with was very knowledgeable and kept in contact with me. When I had questions, he got back with me within the same day. He was very aware of what I was trying to do and he was very concerned. As far as the underwriting, one of the young ladies that I was working with at first all of a sudden disappeared. Every time I tried to get in touch with her, she was never there. So, they gave me to somebody else in that department and he worked out pretty well. He still didn't get back to me like the representative did, but he made sure that when he was on the phone with me that the person from that office was also on the phone with me. Overall, working with Mr. Cooper managed to get rid of the whole bills I had. I would do it again. Try Mr. Cooper before you go anywhere else.

I was very pleased with how everything turned out and with everyone that worked with me at Mr. Cooper. We did it all through email. The rep was very clear. If I had any questions, they were available. I didn't have one bit of a problem. They had to send a notary public out to finish it all off and she was also excellent. I was very impressed and I would definitely recommend them. I'm very happy with them.

If your mortgage is taken over by Mr. Cooper (formerly Nationstar) …. *January 2023…run - don’t walk – to refinance with another company. Better yet, pay off your house as quickly as you can. I’m definitely not venting, but only trying to inform others of their heinous business practices. Had we known in advance that no one in Mr. Cooper is capable of communicating, I might have taken a different stance.

The process at Mr. Cooper was flawless. They were wonderful. There were two people I worked with and they were both amazing. They answered all my questions, got me my forms, told me what I needed to do. Mckenzie was very customer service-oriented. She wanted to make sure I had a good experience. She took her time and was very patient and kind. I felt very supported.

The reps at Mr. Cooper were very helpful. Since my refinance, it's easy to pay my bill online and see how much I owe.

We have an existing loan with Mr. Cooper and I just uploaded some stuff that they asked for. I would encourage people to use them because it was much simpler than having to go through somebody local to refinance. With using somebody local, the process takes longer. You have to jump through a lot more hoops and you have to go to them. With Mr. Cooper, it was all done over the phone and the computer, and then somebody came to my house to sign the papers.

The refinance process was good. Mr. Cooper is easy to use.

Everything was seamless with Mr. Cooper and their process was streamlined. Their reps were excellent and prompt. They answered my questions and if they haven't, they've been able to get somebody else to do so.

They are required by law to assign a 'Dedicated Loan Specialist' for each mortgage holder. They assign that person but then you can NEVER get a hold of your 'Dedicated Loan Specialist'. You cannot call that person or email them and when you call in and ask for that person to call you back they pretty much never do. So in effect, Mr. Cooper just regularly breaks the law. They are gangsters, if they can get together then they can get above the law, I think they call it strength in numbers but it is actually scamming with numbers!

Mr. Cooper is easy to work with. Every instance with their customer service has been very helpful. We're happy.

Mr. Cooper messed up our title when we paid off our mortgage. They transferred title to the wrong trust name. This mistake makes ownership of our home unclear. We had a death in the family, so we did not catch the mistake until much later. When we tried to fix this with Mr. Cooper, we got the runaround. After two months, they finally said that they could not do anything about it. Now we have to fix it with the County and a lawyer.

The refinance process with Mr. Cooper was very smooth. It wasn't stressful. I provided all the documentation and it was really good. They were very helpful from start to finish. They were very professional. They were truly efficient and it was a very fast process. Also, they were trustworthy and very honest. I got a good rate for what I did. Mr. Cooper is really great. I'd recommend them if anyone asks.

From application to closing, our experience with Mr. Cooper went really well. The original person I talked to was really good, very friendly and helpful. The girl that was emailing me and talking to me about all the loan stuff was really great, too. The only thing is we didn't plan on refinancing. We planned on getting a home equity. We did it because when we were trying to sell our house, they found out we had septic issues and we had to have it all replaced. So, that was close to 30,000. What was suggested by the original person I talked to is to just do a refinance rather than get a home equity. So, I wasn't really happy about that because it made our rate go up.

My refi experience with Mr. Cooper was fine. It was not the first one that I've done with the company, so I was familiar with what was going to be required of me. The initial rep I worked with was Chavonn, and she was great. She was very good at keeping me informed of things. On the other hand, the second individual, the loan processor, was not as easy to work with. I didn't appreciate working with him at all.

My refi went really smoothly. There was great communication with the loan officer. They were also very courteous and nice. Any questions I had, they helped.

Sadly, the interest rate wasn't where I wanted it to be. But that's not their fault. It’s just how things are right now. Refinancing was super fast and really easy. I didn't really have to go anywhere and deal with anything. I just did it right from my phone so that was very convenient. The reps were all great. Our rep Lisa was very attentive and helpful. I had a lot of random questions because I wanted to make sure it was the right thing for my family, and she was able to help me through all of it.

The application process was fine. The rate was a little higher than expected but the market was influx at the time so it may have snuck up on me. We didn't get as much back on the refi as we were expecting. Other than that, refinancing with them gave peace of mind. I was able to get some bills paid off.

I am a new customer and I was reported to the credit bureaus :( because the Mr. Cooper team did 2 wrong escrow analyses. I kept making auto-payments from my bank acct but still Mr. Cooper reported me late and ruined my credit score!! PLS FIX THIS... CFPB # ** Kumar **.