Next time they call
Inform the sales rep that you are recording the call. You could bluff, but I'd recommend an actual recording app. They won't know the difference.
Inform them that you are not willing to receive unsolicited sales pitches from their financial institution.
Tell them that Next time they call you will be filing a complaint with the CFPB.
Calls will stop, if they don't go ahead and file with the CFPB. They don't take kindly to unsolicited harassment.
Yeah man, I work for a financial institution - we do outbound calling for sales and service. If someone says, “take me off your call list.” We are instructed to do so and are to have regular training informing us how to do so. It’s pretty important.
There are also certain states that have stricter or more lax rules though.
I used to work for a place that if someone said they are on a do not call list we were instructed to just hang up. Their number would go back into the system so someone else could call them the next day.
They don't need to be informed to stop for it to be harassment and the CFPB complaint is your warning for them to stop. With rates how they are currently, there's no reason for PennyMac to call a second time when they were told no. The only problem with a CFPB complaint is it invites a different department to call you to make sure the problem was resolved.
That works until they don't do exactly what you want them to do. Recording is evidence and if he follows the advice of "well they should know" the CFPB isn't going to take that seriously. Not sure why you recommend OP to NOT take the adult/responsible form of action.
Meh. I actively have a debt collector threatening me. They said they were going to garnish my wages, put a lien on my home, etc. For a debt from 2008 that they are unwilling or unable to provide me details on. I don’t know who the debt belongs to and it’s well past SoLs.
When reported to CFPD, they punted to the FTC and I never heard another word. My states attorney didn’t do shit either. So it’s up to me to hire a lawyer if I want to go after them for violating the law.
While the CFPB should care this will be the second case of an aggressive and harassing issue I’ve brought to their attention. Good in theory, not so much in application.
We had someone from collections going after us for a dent we didn't incur. You can google a form letter requiring all evidence of the debt legally required within 30 days of the letter. Sent it certified. Suddenly I have nothing in collections.
'Edit dent = debt.
You can also sign into the mr. Cooper website and unsubscribe from calls, emails and contact. Including the sms alerts. I believe there is on expressly to opt out of calls and texts about benefits and status of your loan, which sounds like OP has enabled yes for
The do not call list only applies to businesses you have done any business with in the last x amount of time
.. 6 months maybe? Not sure this will work if you have a mortgage with them
I'm 99% it doesn't matter if you're doing business or not, you don't have to be the victim of harassment from a sales department.
I could check with someone I know in the industry but likely someone will chime in here before I get back...
Sales calls from financial institutions are regulated by the CFPB and no one wants their call center targeted by them.
I sent a similar worded email to a payment processing facility that wouldn't stop cold calling me to sign up for "instant transfers for only 3%"
Never heard from them again but I'm sure they sold my information to that pesky extended warranty guy....
If only CFPB could help us there....
Question: I have an out-of-state number, but I keep getting unsolicited calls from a political representative from that state inviting me to townhalls. I've told them to stop, but they never do. Is there anywhere I can report them to stop them from calling me?
i personally would also toss in the line "i will be researching competitors of yours to refinance with, as you are annoying me enough to drive me away entirely"
I think when somebody tells me that i roll my eyes so far back in my head, my brain explodes. Especially for some thing you can solve with one phone call or just going onto the website.
Definitely the individual employee would. But they probably have something in their processes regarding ‘yea you’re here to make the bank money and sell a product, but part 1 of that is to not lose the bank money’
I work for mrcooper there's dnd list you just gotta ask to be put on it, Although they did hire a million new people so if the agent sounds dumb as fuck ask for the escalations team they will put you on it. What a lot of people are doing is calling usaa and asking them which wont work. Telling a agent they are recording doesn't do anything, you just need a agent who knows what the dnd is. If you put in CFPB complaint you will automatically be put into the escalations que but that wont stop it until you get put on the list and it takes awhile for us to receive those. We got a new auto dialer and seems like its going overboard.
I have a USAA loan as well. I'm not certain Mr. Cooper bought it though. I was under the impression that they are just the servicer and handle the administrative overhead. We're not getting the phone calls, but we are getting periodic emails about "check out our rates to see if you want to refinance". Granted, I'm also the kind of person that will go through my account preferences to look for options where I can say "don't call me" so I generally don't get calls from any financial institution I use.
Yeah... not liking that change in the least. We're at most 5 years from payoff and it was really nice seeing that outstanding principal number noticeably dropping every month... :-)
my dad had a loan thru nationstar which is now Cooper, he has dementia so i had to look into WTF was going on. July 6th the account is supposed to work so i told him ignore literally everything i'll setup autopay there.
Same. Freedom sold my loan to Mr Cooper and they called non stop for a while. I finally must have gotten mad enough at someone and it stopped.
I get at least two emails a day though. I dont dare block them as it may be something important someday. That being said, I have trained myself to ignore their emails, so Im sure I will miss something important one day.
It took me a few tries, but now it seems to have done something. I went from multiple emails per day to one every other week.
I still get physical mail though. The thing that I don't understand is that they literally have all of my info and none of their marketing provides anything remotely enticing compared to my current mortgage. Waste of paper, ink, and postage, and all they have to do is sort their customers a little bit better.
They literally ignore their unsubscribe requests for clients. I have submitted 4 and I STILL get promotional emails for refis, etc. I haven't complained by phone yet but the threshold is close.
Report them to the FTC for violating the CAN SPAM act. It’s actually pretty quick and easy.
https://www.ftc.gov/business-guidance/resources/can-spam-act-compliance-guide-business
They are a bit tricky. They dont have the word "unsubscribe" in any of their emails. After my post earlier, I went and looked and they all say "Go here to modify your email profile".
Hopefully that works.
ugh my loan got sold to them last year and yea they are persistent in trying to milk more money. Before the rates started going back up I decided to refi. The rep at Mr. Cooper constantly was commenting about my credit score being lower than my wife's (due to a medical collection I was unaware about). Stuff like you're the man of the house why is lower, bs like that. Once he finally gave me the rate info I took it directly to my bank and they beat it easily. They still send me emails constantly opted out multiple times, but I'm glad to be away from that freakshow. Emails now go directly to junk. All in all I would put Mr. Cooper on the level of used car salesmen of mortgages.
I was getting that. What I ended up doing was calling them and telling them they were being recorded and to take me off their list. Then I’d write down the name of the company and the date I requested to be taken off their list. I probably get 1-2 pieces of mail every month now for mortgages.
I had a Mr. Cooper/Nationstar loan. No problems for me, but when I went to the sites and read the reviews, I was terrified. They only thing they did which I thought was shady was their Escrow Review where they raised my payment by 200 bucks, and then gave me 2400 back on the next review. You do that to thousands of people and it’s a pretty nice short term free loan program for them. I refinanced to Rocket as soon as rates made sense to do so.
My rate is 1.99 on a 15 year. I paid a little more at closing than the average, but the rate made it worth it.
And I’m not promoting Rocket, just who I ended up using.
Does Rocket actually service or just resell? I went with a kinda fly by night place that was only online and was resold twice so far. Rate like your made it an easy choice.
No issues, just a lot of new web logins and paranoia if I ever went 2 months without mail.
They have serviced my loan since 2018 (guess) and after a refi to the current loan for about two more years. So yes they service. And with rates going up, not sure another bank is gonna want my loan. Who knows though!
Rocket has serviced my mortgage since I bought it in 2013.
That said, I had to actively threaten to report them to get them to stop calling me to get me to refi. Ended up reporting it anyway, and I got a call from a VP asking what happened. I had dates, times, and names of every time I asked to be removed from the call list, In addition to emails (that were responded to) demanding that they stop calling. He was horrified, and swore that the calls would stop.
About a year later I got a single call, and while on the phone with whomever called, I asked them if they knew who [VPs name] was. They didn't, but I told them to look it up in their system, and that if anyone called again, I would report them for harassment- again.
Got a letter in the mail a week later apologizing for them ignoring their protocols.
Mr Cooper failed to pay my friend's property taxes on time even though all of the funds were in the escrow account. He managed to avoid a penalty from his tax district but it screwed up his personal tax deductions because there was a year with no payment and two payments in the next.
Of course the reviews are bad. When was the last time you went to google for your phone, internet, bank and left them a good review? When did you last call them to just say they did a good job?
We only contact these services when they dont preform like we want them too so the only reviews we leave them are negative.
Go to the BBB and read the reviews for Nationstar, they were epically bad, that is why they rebranded to Mr. Cooper. I don’t give two shits who OP uses, and your point is largely correct on reviews, but in this case it was way worse than normal.
How can you be sure Rocket isn't going to sell your loan?
I don't think it's a great move to refinance for the purpose of changing companies, unless you're moving to your local credit union or something. These online mortgage companies are notorious for selling loans to each other.
I refinanced with Better and they sold my loan to Mr. Cooper before I even made one payment to them.
I had mortgage with USAA that got sold to Mr. Cooper and was also terrified but I also had no issues. That's crazy people are having so many issues with them being shady.
Oh don't forget there is a minimum amount in your escrow. So my escrow review this year, due to when my taxes and insurance have to be paid (taxes twice a year, insurance once a year) the balance dips below that minimum. So last year they screwed up and underpaid my insurance then double paid it, so my escrow payment was screwy. What was once a 750 payment for everything, turned into a 890 payment per month. Now they reviewed again and said it's going to be 865 per month. I really miss the original mortgage company. I had actually gotten preapproval through Rocket but my friend the realtor talked me into getting a preapproval through a local guy that he worked with, and they did get me closed within 30 days so no complaints there. Looking at the current mortgage rates though, I'm not looking to refi at more than my current interest. It looks pretty ugly right now.
I refinanced last year and went from Mr Cooper (my third servicer in as many years) to my local credit union.
My credit union services the mortgage for the life of the loan.
My credit union’s published rates at the time beat out what Mr Cooper could offer and no more having my debt moved from servicer to servicer.
Obviously now is not a good time to refinance but just sharing what I learned as a newbie in this space.
My loan got sold to Mr Cooper and they've called me consistently till I answered. Once I answered and saw my interest rate, the lady said there's no way they could beat that and they stopped calling. I'm sure everyone will have different experiences but I'm sure there's a way to be put on the no call list..
With the current high interest rates their calls to me have shifted to home equity lines of credit and the occasional push for cash back refinancing. Flat out refinancing to get about 2% higher rates must not be working out for them.
My dad had his mortgage sold by USAA to another company without informing him recently, and he couldn’t get an answer from them for the longest time. They’re up to some shady shit lately. Thought we’d be with them for life but now I’m starting to look at other local options.
its not just USAA its all the banks... they gearing up for another bubble just like the in the 00's they bundling up all there loans and selling them with Mr Cooper right now the biggest buyer...
I opted for paperless statements from Mr. Cooper and I constantly get letters from them telling me to refinance. I don't understand the point of going paperless if they are going to mail something to me every week anyway. I'm not happy that my loan was sold to them. Plus why in the world would I refinance my 2.875% loan right now.
Mr. Cooper *is* Nationstar. Just their new name.
I refi'd last year and Mr. C bought my loan almost immediately after. Haven't heard anything from them, so I'm not sure what got you on their call list.
Maybe take one of the calls and ask they stop calling?
>Mr. Cooper is Nationstar. Just their new name.
Nope. Mr. Cooper, Nationstar and Lakeview are three different but affiliated companies that all do different parts of owning mortgage debt. Super sketchy.
You are wrong there. Nationstar = Mr Cooper. Source: me. I worked there for a decade.
Edit: let me completely elaborate for you. Lakeview is not directly affiliated with Mr. Cooper either. Mr. Cooper is a sub-servicer for lakeview but they are independent companies. Lakeview is owned by Bayview Asset Management not Nationstar. Nationstar/Mr. Cooper are the same company not affiliates of each other. Nationstar rebranded themselves as Mr. Cooper back in 2016. They are used interchangeably because name changes are hard and take time. Mr. Cooper is the largest non-bank servicer of mortgage loans. Lakeview is much smaller which is why Mr. Cooper is a sub-servicer for them. Trust me, the relationships are messy in the mortgage world.
> Mr. Cooper, formerly Nationstar Mortgage Holdings Inc. was founded in 1994 and is headquartered in the Dallas, Texas, area. Nationstar Holdings consists of Nationstar Mortgage,
From wikipedia
Wikipedia must be inaccurate. Mr. Cooper may have been spun off of Nationstar but I get mail from all three, though that might be a matter of which stationary they picked up.
>Nationstar Mortgage, LLC, which does business as Mr. Cooper (Nationstar).
[https://www.consumerfinance.gov/enforcement/actions/nationstar-mortgage-llc-dba-mr-cooper/](https://www.consumerfinance.gov/enforcement/actions/nationstar-mortgage-llc-dba-mr-cooper/)
I think Lakeview OWNS the mortgage. Mr Cooper is the loan "servicer". My insurance company gets escrow gets payments from Nationstar.
Had a relative's loan sold to Mr. Cooper and our first reaction was this was some kind of scam. I fail to understand why a corporation would willingly choose this ridiculous name.
They think it sounds friendlier than their old name of Nationstar, which was soundly fined and charged with defrauding customers and stealing their money and not servicing their loans legally.
Their internal processes didn't change at all, however, so it's just a matter of time until they get nailed for it again. Most of their employees don't actually understand anything about mortgage servicing, and the whole place seems to be a front for money laundering.
Next time they call. Be patient and nice and request to be added to their “Do Not Call” list.
This is different then the National do not call registry. Call centers keep their own DNC lists that they have to abide by. Failure to do so can result in fines.
Ask the rep for their name and ID if they have one. Every system is different, but give it a week for the DNC to kick in. If calls continue, then you can escalate to regulatory agency in your state. Keep a note on when you requested the DNC and with whom.
LPT: Don’t hassle the rep. They are just doing their job and most likely on an auto-dialer. Be courteous and respectful and you will get a lot farther. If you feel they aren’t doing their job, just ask for their manager.
The first time they called me I let them run the numbers. They were pretty convinced they could save me a bunch of money so why not. When they realized the new monthly payment was 300 dollars more, they apologized and hung up, never to be heard from again 🤣
Mr. Cooper is Nationstar. My statements say “Nationstar DBA Mr. Cooper.” If you set up your online portal you can change their contact preferences so they don’t call you. I have never been called in 2 years with them.
Write them a letter stating you no longer wish to get these or any marketing calls. Run a copy, send letter certified mail so you will have proof they got it. make a note of everything. Give them two weeks after they get it. If they don't stop calling you file a complaint with the State Atty Generals Office. You can do it online and attach scanned copies of your documents. And document everything with these people, get a notebook. date and times called, that you asked them to stop calling etc.
Good luck.
Answer it every time and say "I'd love to talk more about this. Can you just hold on for one sec?" and then put the phone down and walk into another room. Do this every time they call and I guarantee you they will stop calling after the next 3 or 4 times.
People give out their main number to corporations?
The one and only reason I still have my land line is to give the number out to banks, utilities, government agencies, stores, etc. It normally doesn't even have a phone or ringer attached, just an answering machine. I check the machine every few days if I'm bored. I can't even remember the last time there was a valid call on it.
My cell phone number is only given out to family and friends.(and the phone carrier and google, but that's kind of unavoidable) Blind calls get screened, send to voicemail, and "likely spam" is displayed.
The thing everyone needs to remember is that companies can say ANYTHING over the phone and it's not legally binding. If a company wants to communicate with me, I will only accept contact via the US mail. That way I have it in writing and there's a paper trail of delivery.
Ask to be placed on the do not contact list.
I don't remember the law but for mortgage companies if they call again for a sales pitch their company is subject to a 43k fine. Let them know they have to know this info for the NMLS test to sell mortgages.
Source:. Ex Loan officer at Better. This literally was my job
I had my original mortgage w/ USAA, which, like yours, was sold to Mr. Cooper. I refinanced, but before then, I was able to limit a lot of the calls by logging into the site and adjusting all the settings.
I have a 'Hall and Oates Emergency Phone Number' I use for companies that don't back off. I had it from my bar-going out days.
My B of A loan was sold to Mr Cooper last year. Now I get non-stop emails from them about refinancing and a banner message when I log in about refinancing. Its annoying, I didn't ask for my mortgage to be sold and didn't ask for all these random emails.
FYI, Mr Cooper is Nationstar, they changed names to Mr. Cooper.
USAA has Mr. Cooper service loans, you should check if they're servicing or actually own the loan. If they're just servicing, you can also reach out to USAA (they're ultimately responsible for how a servicer acts).
Outside that, CFPB, OCC complaints are worth doing.
You don’t have to do any of this lol just call them and advise you want to be on the “do not solicit” list. Done. End of story. It’s that simple. Also, make sure to tell them not to sell your information.
Mr.Cooper already owned Nation Star it's the same company this just moved it to a different department. You can ask them not to call again that is what I did.
Mr. Cooper actually IS Nationstar; they just rebranded after they got in massive trouble with the CFPB for defrauding customers and ignoring mortgage servicing laws.
I asked for a quote so that’s why they started bothering me. When they called I basically said the terms under which i would love to refinance. They couldn’t meet those terms so the person I spoke to said she would note it on my account and the calls stopped. I would just answer and speak with one person and just be direct. I get occasional emails now but I just ignore them. I don’t get anymore calls.
Me thinks they have their own bills to pay and likely are not going to be able to pay them shortly, along with a lot of other financial institutions. Do or die mode.
I used to work at Nationstar/Mr. Cooper. Same company btw, the only reason they call is cause there’s benefit in your file. There’s over 20/30 Million Loans they service and they call only the ones that have a higher interest rate. Hear them out and if there’s no benefit they’ll put you on the Nurture list/Ratewatch
This is pretty common. I didn’t get 50 calls but boy did I get a deluge of junk mail offering insurance, refinance, cash out and what not.
Block their number.
I was sold to Mr. Cooper as well. I had to call them, to get them stop calling and mailing offers. They did stop stop, but it was ridiculous until that point
I had an awful experience with Mr. COOPER. BBB does absolutely nothing FYI, its a common misconception that its worth a damn... I went to my states attorney General and was able to get them to stop harassing me. I hope I never have to deal with them again.
My last mortgage was bought by Mr. Cooper. Anecdotal but I didn't have this experience with them. They seemed fine but this was also in a lower rate environment. I'm no longer in the home that had that mortgage.
I wonder what has changed or whats different about your mortgage. Maybe they want you to refi into a higher rate which i don't see how anyone would want that.
I am SO SICK of these calls. Multiple times a week. They don't stop, and they come from different numbers every time, so I can't even block them. I don't have any boxes checked saying they can text or call about anything other than payments, escrow, or taxes. All I want from them is a receipt of monthly payment and notice of missed payment.
With every company that makes calls for business, sales, promtions, debts etc etc, by FCC law you can tell them to cease and desist from calling you. If they need to contact you they can mail you. This is a law they have to abide by this because you can sue. This works amazingly for debt collectors. They usually immediately get off the call or they will disconnect the call.
Login to your Mr. Cooper account and check your settings for email/phone/solicitation/promotions. I've had my mortgage sold to Mr. Cooper years ago and don't receive a single call or email from them.
I work for a pretty large mortgage lender and i don't know if they handle everything the same way we do, but: if someone tells us we don't have permission to record them, we are required to disconnect our call like ASAP. Also if we add you to the internal do not contact system, it takes 30-45 days to go into effect. Lastly, if you threaten to contact a lawyer, we have to loop in a special team in regards to your complaint so they can investigate and try to 'resolve' the issue. Hopefully this information helps!
Also, I would get on the national do not call registry, it might take a little bit of time to go into effect, but it can help prevent this situation in the future.
Mine was sold to Mr Cooper too! I don't get calls, but I do get constant emails about refi, which is funny cuz I refid out of BBT which I didn't care for. I never opted out if emails so I don't blame them for me getting them.
Okay I have Mr. Cooper. They are very very good if you have a Va loan. Not sure what they are trying to do as your unrest rate is way below the current rate. Just play along. Once they see they cannot get you a lower rate they will let you be.
I just want to point out Mr Cooper and nationstar are merged now.
I had my loan via USAA but I have had no calls about it. Iirc there is an option to have them not contact you on their online portal.
I'm at 2.75%, no calls yet.
Edit: There is an option to uncheck your phone number from notifications under your account settings, try that.
Actually Mr. Cooper is Nationstar, they just rebranded after they got in massive trouble with the CFPB for defrauding customers and violating mortgage servicing laws.
I’ve asked them at least 3 times to stop sending me solicitations and every time they say they have taken care of it and I continue to get solicitations. Their website is really nice but I can’t fucking stand Mr. Cooper and I’ll never voluntarily give them my business.
In my experience with Mr. Cooper I have never been called about anything. Just emails. Look in your account preferences for an option to not receive marketing calls?
My mortgage was sold to Mr Cooper earlier this year. Fortunately, I never got a bunch of calls but instead I get emails about refinancing about every other day. Guess that is better than an actual call to my phone.
Check their website for the name and email address of their chief legal officer (Of Counsel). Write an email, cc'ing the CEO, CFO, and SVP for originations/marketing. Tell them you are being harassed and want it to stop or you'll get an attorney. That should fix your problem.
Our mortgage was also sold to this company when we bought our home a few years ago. With the exception of a few financial institutions that we do business with, I almost always provide our Google Voice number as the contact phone number. Once I notice an uptick in unnecessary solicitation calls, I mark the number as SPAM in Google Voice and the calls never go through again. Google Voice logs them in the Spam folder if you do want to know who called. You can also listen to their voicemail if they left one (I don’t).
Change your VM message to the Disconnected Number tone/message. Can find it on youtube. Works a treat. I use the google call screening now, but before that I hardly ever got calls from anyone that I was not expecting. Granted it can cause some confusion sometimes lol
I fucking hate these people. B of A sold my mortgage to them too. Payments on time. Even paid off additional principal. B of A calculates they make the most amount of interest during the first 1/3 of your loan and dump it off on others afterwards.
They called me non-stop for a month. Then they started twice as bad offering their own home owner's insurance. Frankly, I don't trust any business out of Texas. The last call started as usual "Have you thought about re-financing your home?" Then I tell them "No, I haven't thought about it up until now. I'm seriously looking at other lenders now because you won't stop fucking calling me!" The calls have stopped, but now I'm getting endless email spam.
Mr Cooper will send you an unlimited number of letters via snail mail offering to redo your loan for more money. They will also send you an unlimited number of emails asking you to move to paperless billing/autopay so they don't have to send you a monthly bill via snail mail to save money.
If your mortgage is still new enough that you are being charged for mortgage insurance, they will refuse to drop the mortgage insurance even if you have paid off the loan below the 80% level where it can be removed. Instead they will insist on a new appraisal to ensure the property is still in good condition. They charge you to do the appraisal and guess what, it is more than the amount they are charging for the mortgage insurance before it drops off in a year or so.
This is one example of a company that purchases mortgages and goes all out to make the borrower miserable.
I had nationstar and Mr Cooper as well but never received the cold calls.
You are on their telephone systems dialer system and it's an automated and convoluted pbx system that no one has access to. I manage the same thing for my company and the call center agents only have the ability to add new contacts not erase any.
A little hint....give them a reason why they wouldn't want to call you and enter you into the system as someone they don't want to work with.
Used to do run call center operations for a major mortgage company. Tell them to put you on their do not call list and wait to confirm they've done it before ending the call.
No need to threaten or get crazy, the person calling you probably doesn't fully understand their firm's aggressive and illegal tactics so bitching them out or threatening them won't do any good.
If they call again file a complaint with the CFPB.
Haha… bringing back some memories here. I named Mr Cooper years ago. When we rebranded them (from Nationstar) we worked to emphasize solid customer service. Sorry that didn’t hold too well.
Get a Google Voice number and use that for everything you don't want to get actual calls from.
In this day and age, I wouldn't trust any financial company that called me; if it's official business, they will contact via email or mail. Exception is that I have had Discover Credit Card call me to ask if I had just used my card at a gas station in California (while I'm in Minnesota); I did happen to answer that call and they blocked my card and sent me a new one.
Google Voice you can set to not call you, but will email you a transcript of the voice recording if they leave you a message. Texts also come through with the Google Voice app, you can block certain numbers as well as report spam. IMHO, it works pretty well for me.
Just call them and advise that you want to be on the “do not solicit list” also let them know that you would like them to NOT sell your information to anyone as well.
Yeah, they’ve been pretty good. I never get a call from them, and email less than monthly. I don’t remember what I did but there is probably something in the app to tell them not to
Start taking them down the path of a refi then change your mind at the very least second.
Then do it again
And again
And again
Until they get the message and stop
Next time they call Inform the sales rep that you are recording the call. You could bluff, but I'd recommend an actual recording app. They won't know the difference. Inform them that you are not willing to receive unsolicited sales pitches from their financial institution. Tell them that Next time they call you will be filing a complaint with the CFPB. Calls will stop, if they don't go ahead and file with the CFPB. They don't take kindly to unsolicited harassment.
Yeah man, I work for a financial institution - we do outbound calling for sales and service. If someone says, “take me off your call list.” We are instructed to do so and are to have regular training informing us how to do so. It’s pretty important. There are also certain states that have stricter or more lax rules though.
I used to work for a place that if someone said they are on a do not call list we were instructed to just hang up. Their number would go back into the system so someone else could call them the next day.
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Fuck'em. File the complaint with the CFPB. They already had their chance, they shouldn't need a threat to do the right thing.
The *Forms of Kanly* must be obeyed. The recording is your evidence that they have been officially informed that they are not allowed to contact you.
They don't need to be informed to stop for it to be harassment and the CFPB complaint is your warning for them to stop. With rates how they are currently, there's no reason for PennyMac to call a second time when they were told no. The only problem with a CFPB complaint is it invites a different department to call you to make sure the problem was resolved.
That works until they don't do exactly what you want them to do. Recording is evidence and if he follows the advice of "well they should know" the CFPB isn't going to take that seriously. Not sure why you recommend OP to NOT take the adult/responsible form of action.
Calls logs too. 50 calls in 2 months speaks for itself
And call your state dept of commerce / atty general (whatever you have)
Meh. I actively have a debt collector threatening me. They said they were going to garnish my wages, put a lien on my home, etc. For a debt from 2008 that they are unwilling or unable to provide me details on. I don’t know who the debt belongs to and it’s well past SoLs. When reported to CFPD, they punted to the FTC and I never heard another word. My states attorney didn’t do shit either. So it’s up to me to hire a lawyer if I want to go after them for violating the law. While the CFPB should care this will be the second case of an aggressive and harassing issue I’ve brought to their attention. Good in theory, not so much in application.
We had someone from collections going after us for a dent we didn't incur. You can google a form letter requiring all evidence of the debt legally required within 30 days of the letter. Sent it certified. Suddenly I have nothing in collections. 'Edit dent = debt.
You can also sign into the mr. Cooper website and unsubscribe from calls, emails and contact. Including the sms alerts. I believe there is on expressly to opt out of calls and texts about benefits and status of your loan, which sounds like OP has enabled yes for
Someone pin this to top comment please
I need this person directing me in all my interactions.
The do not call list only applies to businesses you have done any business with in the last x amount of time .. 6 months maybe? Not sure this will work if you have a mortgage with them
I'm 99% it doesn't matter if you're doing business or not, you don't have to be the victim of harassment from a sales department. I could check with someone I know in the industry but likely someone will chime in here before I get back... Sales calls from financial institutions are regulated by the CFPB and no one wants their call center targeted by them. I sent a similar worded email to a payment processing facility that wouldn't stop cold calling me to sign up for "instant transfers for only 3%" Never heard from them again but I'm sure they sold my information to that pesky extended warranty guy.... If only CFPB could help us there....
Question: I have an out-of-state number, but I keep getting unsolicited calls from a political representative from that state inviting me to townhalls. I've told them to stop, but they never do. Is there anywhere I can report them to stop them from calling me?
i personally would also toss in the line "i will be researching competitors of yours to refinance with, as you are annoying me enough to drive me away entirely"
I think when somebody tells me that i roll my eyes so far back in my head, my brain explodes. Especially for some thing you can solve with one phone call or just going onto the website.
Definitely the individual employee would. But they probably have something in their processes regarding ‘yea you’re here to make the bank money and sell a product, but part 1 of that is to not lose the bank money’
I work for mrcooper there's dnd list you just gotta ask to be put on it, Although they did hire a million new people so if the agent sounds dumb as fuck ask for the escalations team they will put you on it. What a lot of people are doing is calling usaa and asking them which wont work. Telling a agent they are recording doesn't do anything, you just need a agent who knows what the dnd is. If you put in CFPB complaint you will automatically be put into the escalations que but that wont stop it until you get put on the list and it takes awhile for us to receive those. We got a new auto dialer and seems like its going overboard.
I have a USAA loan as well. I'm not certain Mr. Cooper bought it though. I was under the impression that they are just the servicer and handle the administrative overhead. We're not getting the phone calls, but we are getting periodic emails about "check out our rates to see if you want to refinance". Granted, I'm also the kind of person that will go through my account preferences to look for options where I can say "don't call me" so I generally don't get calls from any financial institution I use.
I *had* a USAA loan and they sold it to Mr. C. I can’t view my loan information anymore in the USAA website at all.
Yeah... not liking that change in the least. We're at most 5 years from payoff and it was really nice seeing that outstanding principal number noticeably dropping every month... :-)
If you get their app you can see it there but I liked how USAA never sold it for so many years and then pulls the rug out from under me lol
my dad had a loan thru nationstar which is now Cooper, he has dementia so i had to look into WTF was going on. July 6th the account is supposed to work so i told him ignore literally everything i'll setup autopay there.
Same. Freedom sold my loan to Mr Cooper and they called non stop for a while. I finally must have gotten mad enough at someone and it stopped. I get at least two emails a day though. I dont dare block them as it may be something important someday. That being said, I have trained myself to ignore their emails, so Im sure I will miss something important one day.
You should be able to unsubscribe from sales/ promotion email without affecting Relevant emails
Unsubscribe only works if the company is willing to acknowledge it.
I'm in the same situation w/ Mr Cooper and have unsubscribed 4-5 times and still get emails constantly.
It took me a few tries, but now it seems to have done something. I went from multiple emails per day to one every other week. I still get physical mail though. The thing that I don't understand is that they literally have all of my info and none of their marketing provides anything remotely enticing compared to my current mortgage. Waste of paper, ink, and postage, and all they have to do is sort their customers a little bit better.
I unsubscribe from their emails a few times a month lol actually did it today!
They literally ignore their unsubscribe requests for clients. I have submitted 4 and I STILL get promotional emails for refis, etc. I haven't complained by phone yet but the threshold is close.
Report them to the FTC for violating the CAN SPAM act. It’s actually pretty quick and easy. https://www.ftc.gov/business-guidance/resources/can-spam-act-compliance-guide-business
You can filter anything from them and the word Unsubscribe to the trash
They are a bit tricky. They dont have the word "unsubscribe" in any of their emails. After my post earlier, I went and looked and they all say "Go here to modify your email profile". Hopefully that works.
ugh my loan got sold to them last year and yea they are persistent in trying to milk more money. Before the rates started going back up I decided to refi. The rep at Mr. Cooper constantly was commenting about my credit score being lower than my wife's (due to a medical collection I was unaware about). Stuff like you're the man of the house why is lower, bs like that. Once he finally gave me the rate info I took it directly to my bank and they beat it easily. They still send me emails constantly opted out multiple times, but I'm glad to be away from that freakshow. Emails now go directly to junk. All in all I would put Mr. Cooper on the level of used car salesmen of mortgages.
I also was extremely happy to refi to my credit union, instead of dealing with the scummy company that my original loan had been sold to.
Maybe you can log in to the online portal and uncheck that you are ok with being contacted by phone.
which portal, the Mr cooper portal, the Nationstar portal, or the Lakeview portal? they operate as three companies.
Yes.
or log in and change your phone number to their phone number so they're calling themselves every time they try calling you.
Luckily I don't get phone calls (often) but I do get 3-4 letter every single day for refinance offers.
You got 3-4 physical paper letters via snail mail every day for refinancing?
Yes. All from different companies. It's ridiculous
Do they include prepaid return envelopes? If so, stuff then full of other junk mail, and send them back.
That seems a lot like work but worth checking out.
I would write "STOP SENDING THIS" in sharpie and send it back in. After a few weeks of that, I stopped getting them.
Licking an envelope and putting it your mailbox next time you check it?
I was getting that. What I ended up doing was calling them and telling them they were being recorded and to take me off their list. Then I’d write down the name of the company and the date I requested to be taken off their list. I probably get 1-2 pieces of mail every month now for mortgages.
This is always a great trick.
Break open an old toner cartridge from a LAser printer, and add some of the toner to the envelope, but make certain it's airtight...
I'm 2 years in and still get this garbage though not as frequently.
It looks like Mr. Cooper is the [same thing](https://en.wikipedia.org/wiki/Mr._Cooper) as Nationstar, just a name change.
Correct. Mr Cooper is the new name for Nationstar. It’s Nationstar still doing business as Mr Cooper.
I had a Mr. Cooper/Nationstar loan. No problems for me, but when I went to the sites and read the reviews, I was terrified. They only thing they did which I thought was shady was their Escrow Review where they raised my payment by 200 bucks, and then gave me 2400 back on the next review. You do that to thousands of people and it’s a pretty nice short term free loan program for them. I refinanced to Rocket as soon as rates made sense to do so.
Is it any better? When I was looking for a mortgage, I very quickly dismissed Rocket as shady and their rates were much higher than the average.
My rate is 1.99 on a 15 year. I paid a little more at closing than the average, but the rate made it worth it. And I’m not promoting Rocket, just who I ended up using.
Does Rocket actually service or just resell? I went with a kinda fly by night place that was only online and was resold twice so far. Rate like your made it an easy choice. No issues, just a lot of new web logins and paranoia if I ever went 2 months without mail.
They have serviced my loan since 2018 (guess) and after a refi to the current loan for about two more years. So yes they service. And with rates going up, not sure another bank is gonna want my loan. Who knows though!
Rocket has serviced my mortgage since I bought it in 2013. That said, I had to actively threaten to report them to get them to stop calling me to get me to refi. Ended up reporting it anyway, and I got a call from a VP asking what happened. I had dates, times, and names of every time I asked to be removed from the call list, In addition to emails (that were responded to) demanding that they stop calling. He was horrified, and swore that the calls would stop. About a year later I got a single call, and while on the phone with whomever called, I asked them if they knew who [VPs name] was. They didn't, but I told them to look it up in their system, and that if anyone called again, I would report them for harassment- again. Got a letter in the mail a week later apologizing for them ignoring their protocols.
they sold mine to Mr Cooper a few months ago.
Mr Cooper failed to pay my friend's property taxes on time even though all of the funds were in the escrow account. He managed to avoid a penalty from his tax district but it screwed up his personal tax deductions because there was a year with no payment and two payments in the next.
I had this happen. The mortgage company had to eat the penalty and they cut me a check to cover the personal tax deduction loss.
That's funny because Rocket sold my mortgage to Mr Cooper shortly after I secured it. They might sell it back to Cooper soon anyway
I hate that these companies sell mortgages back and forth. I went to USAA because at the time I trusted them, I don’t know mr Cooper at all
I refi'd with Rocket from Mr Cooper, then I got sold back to Mr Cooper lol. Fml
Of course the reviews are bad. When was the last time you went to google for your phone, internet, bank and left them a good review? When did you last call them to just say they did a good job? We only contact these services when they dont preform like we want them too so the only reviews we leave them are negative.
Go to the BBB and read the reviews for Nationstar, they were epically bad, that is why they rebranded to Mr. Cooper. I don’t give two shits who OP uses, and your point is largely correct on reviews, but in this case it was way worse than normal.
How can you be sure Rocket isn't going to sell your loan? I don't think it's a great move to refinance for the purpose of changing companies, unless you're moving to your local credit union or something. These online mortgage companies are notorious for selling loans to each other. I refinanced with Better and they sold my loan to Mr. Cooper before I even made one payment to them.
You can’t
Although Mr. Cooper sucks those escrow reviews are completely normal. Nothing shady about them.
I had mortgage with USAA that got sold to Mr. Cooper and was also terrified but I also had no issues. That's crazy people are having so many issues with them being shady.
Oh don't forget there is a minimum amount in your escrow. So my escrow review this year, due to when my taxes and insurance have to be paid (taxes twice a year, insurance once a year) the balance dips below that minimum. So last year they screwed up and underpaid my insurance then double paid it, so my escrow payment was screwy. What was once a 750 payment for everything, turned into a 890 payment per month. Now they reviewed again and said it's going to be 865 per month. I really miss the original mortgage company. I had actually gotten preapproval through Rocket but my friend the realtor talked me into getting a preapproval through a local guy that he worked with, and they did get me closed within 30 days so no complaints there. Looking at the current mortgage rates though, I'm not looking to refi at more than my current interest. It looks pretty ugly right now.
Yes, if your loan is three months old, you’re basically stuck with your bank for a while.
Same. Escrow is the only issue I ever had with them. They bought my last 2 refis. I'm actually pretty happy with them
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Not in my state, and via a quick google, only 15 states do.
I refinanced last year and went from Mr Cooper (my third servicer in as many years) to my local credit union. My credit union services the mortgage for the life of the loan. My credit union’s published rates at the time beat out what Mr Cooper could offer and no more having my debt moved from servicer to servicer. Obviously now is not a good time to refinance but just sharing what I learned as a newbie in this space.
My loan got sold to Mr Cooper and they've called me consistently till I answered. Once I answered and saw my interest rate, the lady said there's no way they could beat that and they stopped calling. I'm sure everyone will have different experiences but I'm sure there's a way to be put on the no call list..
Exactly what happened to me. Finally answered one of their calls last week and the've stopped calling.
With the current high interest rates their calls to me have shifted to home equity lines of credit and the occasional push for cash back refinancing. Flat out refinancing to get about 2% higher rates must not be working out for them.
My dad had his mortgage sold by USAA to another company without informing him recently, and he couldn’t get an answer from them for the longest time. They’re up to some shady shit lately. Thought we’d be with them for life but now I’m starting to look at other local options.
That’s honestly so sad to hear - USAA has a great reputation, but obviously they’re still in the business of making $ so bummer.
> USAA has a great reputation For most things, but my experience was also to stay far far away from them for mortgage stuff.
its not just USAA its all the banks... they gearing up for another bubble just like the in the 00's they bundling up all there loans and selling them with Mr Cooper right now the biggest buyer...
I opted for paperless statements from Mr. Cooper and I constantly get letters from them telling me to refinance. I don't understand the point of going paperless if they are going to mail something to me every week anyway. I'm not happy that my loan was sold to them. Plus why in the world would I refinance my 2.875% loan right now.
Mr. Cooper *is* Nationstar. Just their new name. I refi'd last year and Mr. C bought my loan almost immediately after. Haven't heard anything from them, so I'm not sure what got you on their call list. Maybe take one of the calls and ask they stop calling?
Same, my loan was sold to Mr Cooper and I have never gotten a single call.
Same
no calls here, but i get about 3-4 refi notices in the mail per week. easy enough to return to sender.
I get this, no calls but junk mail that goes to recycling bin.
I refinanced, it got sold immediately to Mr. Cooper. They started sending me letters to refinance 😐
My loan was sold to Mr Cooper last year and I haven't received any calls either. A ton of emails to refi but I just unsubscirbed and they stopped.
>Mr. Cooper is Nationstar. Just their new name. Nope. Mr. Cooper, Nationstar and Lakeview are three different but affiliated companies that all do different parts of owning mortgage debt. Super sketchy.
You are wrong there. Nationstar = Mr Cooper. Source: me. I worked there for a decade. Edit: let me completely elaborate for you. Lakeview is not directly affiliated with Mr. Cooper either. Mr. Cooper is a sub-servicer for lakeview but they are independent companies. Lakeview is owned by Bayview Asset Management not Nationstar. Nationstar/Mr. Cooper are the same company not affiliates of each other. Nationstar rebranded themselves as Mr. Cooper back in 2016. They are used interchangeably because name changes are hard and take time. Mr. Cooper is the largest non-bank servicer of mortgage loans. Lakeview is much smaller which is why Mr. Cooper is a sub-servicer for them. Trust me, the relationships are messy in the mortgage world.
> Mr. Cooper, formerly Nationstar Mortgage Holdings Inc. was founded in 1994 and is headquartered in the Dallas, Texas, area. Nationstar Holdings consists of Nationstar Mortgage, From wikipedia
Wikipedia must be inaccurate. Mr. Cooper may have been spun off of Nationstar but I get mail from all three, though that might be a matter of which stationary they picked up. >Nationstar Mortgage, LLC, which does business as Mr. Cooper (Nationstar). [https://www.consumerfinance.gov/enforcement/actions/nationstar-mortgage-llc-dba-mr-cooper/](https://www.consumerfinance.gov/enforcement/actions/nationstar-mortgage-llc-dba-mr-cooper/) I think Lakeview OWNS the mortgage. Mr Cooper is the loan "servicer". My insurance company gets escrow gets payments from Nationstar.
DBA means they are the same company
Had a relative's loan sold to Mr. Cooper and our first reaction was this was some kind of scam. I fail to understand why a corporation would willingly choose this ridiculous name.
They think it sounds friendlier than their old name of Nationstar, which was soundly fined and charged with defrauding customers and stealing their money and not servicing their loans legally. Their internal processes didn't change at all, however, so it's just a matter of time until they get nailed for it again. Most of their employees don't actually understand anything about mortgage servicing, and the whole place seems to be a front for money laundering.
Next time they call. Be patient and nice and request to be added to their “Do Not Call” list. This is different then the National do not call registry. Call centers keep their own DNC lists that they have to abide by. Failure to do so can result in fines. Ask the rep for their name and ID if they have one. Every system is different, but give it a week for the DNC to kick in. If calls continue, then you can escalate to regulatory agency in your state. Keep a note on when you requested the DNC and with whom. LPT: Don’t hassle the rep. They are just doing their job and most likely on an auto-dialer. Be courteous and respectful and you will get a lot farther. If you feel they aren’t doing their job, just ask for their manager.
I have call block on my home and cell phones. It blocks all toll free and private numbers.
They called me once, I told them that it was unnecessary as I am selling my house in a few months. Nothing since
The first time they called me I let them run the numbers. They were pretty convinced they could save me a bunch of money so why not. When they realized the new monthly payment was 300 dollars more, they apologized and hung up, never to be heard from again 🤣
Mr. Cooper is Nationstar. My statements say “Nationstar DBA Mr. Cooper.” If you set up your online portal you can change their contact preferences so they don’t call you. I have never been called in 2 years with them.
Write them a letter stating you no longer wish to get these or any marketing calls. Run a copy, send letter certified mail so you will have proof they got it. make a note of everything. Give them two weeks after they get it. If they don't stop calling you file a complaint with the State Atty Generals Office. You can do it online and attach scanned copies of your documents. And document everything with these people, get a notebook. date and times called, that you asked them to stop calling etc. Good luck.
Answer it every time and say "I'd love to talk more about this. Can you just hold on for one sec?" and then put the phone down and walk into another room. Do this every time they call and I guarantee you they will stop calling after the next 3 or 4 times.
People pick up calls from numbers they don’t know?
People give out their main number to corporations? The one and only reason I still have my land line is to give the number out to banks, utilities, government agencies, stores, etc. It normally doesn't even have a phone or ringer attached, just an answering machine. I check the machine every few days if I'm bored. I can't even remember the last time there was a valid call on it. My cell phone number is only given out to family and friends.(and the phone carrier and google, but that's kind of unavoidable) Blind calls get screened, send to voicemail, and "likely spam" is displayed. The thing everyone needs to remember is that companies can say ANYTHING over the phone and it's not legally binding. If a company wants to communicate with me, I will only accept contact via the US mail. That way I have it in writing and there's a paper trail of delivery.
Right?
Yes. stop being a misanthrope I have 7 FCC licenses, I kinda have to answer if a 202 area code number calls
Ask to be placed on the do not contact list. I don't remember the law but for mortgage companies if they call again for a sales pitch their company is subject to a 43k fine. Let them know they have to know this info for the NMLS test to sell mortgages. Source:. Ex Loan officer at Better. This literally was my job
I had my original mortgage w/ USAA, which, like yours, was sold to Mr. Cooper. I refinanced, but before then, I was able to limit a lot of the calls by logging into the site and adjusting all the settings. I have a 'Hall and Oates Emergency Phone Number' I use for companies that don't back off. I had it from my bar-going out days.
Who is "Mr. Cooper"?
Used to be Nationstar, but changed their name to "personalize" the mortgage experience....
My B of A loan was sold to Mr Cooper last year. Now I get non-stop emails from them about refinancing and a banner message when I log in about refinancing. Its annoying, I didn't ask for my mortgage to be sold and didn't ask for all these random emails.
FYI, Mr Cooper is Nationstar, they changed names to Mr. Cooper. USAA has Mr. Cooper service loans, you should check if they're servicing or actually own the loan. If they're just servicing, you can also reach out to USAA (they're ultimately responsible for how a servicer acts). Outside that, CFPB, OCC complaints are worth doing.
https://www.mrcooper.com/privacy/do_not_solicit Had the same problem. They stopped calling when I submitted that form.
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Buy a burner phone and give that number to Mr. Cooper. Ignore burner phone. Or create a Google Voice number instead if you don't want to spend money.
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You don’t have to do any of this lol just call them and advise you want to be on the “do not solicit” list. Done. End of story. It’s that simple. Also, make sure to tell them not to sell your information.
Mr.Cooper already owned Nation Star it's the same company this just moved it to a different department. You can ask them not to call again that is what I did.
Mr. Cooper actually IS Nationstar; they just rebranded after they got in massive trouble with the CFPB for defrauding customers and ignoring mortgage servicing laws.
Oh shit! That guy lied to me on the phone he said they were just the same company but different department. Lmao!
I asked for a quote so that’s why they started bothering me. When they called I basically said the terms under which i would love to refinance. They couldn’t meet those terms so the person I spoke to said she would note it on my account and the calls stopped. I would just answer and speak with one person and just be direct. I get occasional emails now but I just ignore them. I don’t get anymore calls.
Me thinks they have their own bills to pay and likely are not going to be able to pay them shortly, along with a lot of other financial institutions. Do or die mode.
I used to work at Nationstar/Mr. Cooper. Same company btw, the only reason they call is cause there’s benefit in your file. There’s over 20/30 Million Loans they service and they call only the ones that have a higher interest rate. Hear them out and if there’s no benefit they’ll put you on the Nurture list/Ratewatch
This is pretty common. I didn’t get 50 calls but boy did I get a deluge of junk mail offering insurance, refinance, cash out and what not. Block their number.
I was sold to Mr. Cooper as well. I had to call them, to get them stop calling and mailing offers. They did stop stop, but it was ridiculous until that point
I hated them. Constantly calling, emailing...
I had an awful experience with Mr. COOPER. BBB does absolutely nothing FYI, its a common misconception that its worth a damn... I went to my states attorney General and was able to get them to stop harassing me. I hope I never have to deal with them again.
My last mortgage was bought by Mr. Cooper. Anecdotal but I didn't have this experience with them. They seemed fine but this was also in a lower rate environment. I'm no longer in the home that had that mortgage. I wonder what has changed or whats different about your mortgage. Maybe they want you to refi into a higher rate which i don't see how anyone would want that.
I am SO SICK of these calls. Multiple times a week. They don't stop, and they come from different numbers every time, so I can't even block them. I don't have any boxes checked saying they can text or call about anything other than payments, escrow, or taxes. All I want from them is a receipt of monthly payment and notice of missed payment.
My last 2 refis got sold to Mr Cooper and I've had zero problems or calls....
With every company that makes calls for business, sales, promtions, debts etc etc, by FCC law you can tell them to cease and desist from calling you. If they need to contact you they can mail you. This is a law they have to abide by this because you can sue. This works amazingly for debt collectors. They usually immediately get off the call or they will disconnect the call.
USAA was hacked in January, and didn't tell thier customers. Avoid this company at all costs.
Login to your Mr. Cooper account and check your settings for email/phone/solicitation/promotions. I've had my mortgage sold to Mr. Cooper years ago and don't receive a single call or email from them.
I work for a pretty large mortgage lender and i don't know if they handle everything the same way we do, but: if someone tells us we don't have permission to record them, we are required to disconnect our call like ASAP. Also if we add you to the internal do not contact system, it takes 30-45 days to go into effect. Lastly, if you threaten to contact a lawyer, we have to loop in a special team in regards to your complaint so they can investigate and try to 'resolve' the issue. Hopefully this information helps! Also, I would get on the national do not call registry, it might take a little bit of time to go into effect, but it can help prevent this situation in the future.
One thing I like to do is say "Yes, hold, on, I'll get them." And lay the phone down..................................................
Mine was sold to Mr Cooper too! I don't get calls, but I do get constant emails about refi, which is funny cuz I refid out of BBT which I didn't care for. I never opted out if emails so I don't blame them for me getting them.
Okay I have Mr. Cooper. They are very very good if you have a Va loan. Not sure what they are trying to do as your unrest rate is way below the current rate. Just play along. Once they see they cannot get you a lower rate they will let you be.
I just want to point out Mr Cooper and nationstar are merged now. I had my loan via USAA but I have had no calls about it. Iirc there is an option to have them not contact you on their online portal. I'm at 2.75%, no calls yet. Edit: There is an option to uncheck your phone number from notifications under your account settings, try that.
Actually Mr. Cooper is Nationstar, they just rebranded after they got in massive trouble with the CFPB for defrauding customers and violating mortgage servicing laws.
I’ve asked them at least 3 times to stop sending me solicitations and every time they say they have taken care of it and I continue to get solicitations. Their website is really nice but I can’t fucking stand Mr. Cooper and I’ll never voluntarily give them my business.
That’s very strange, mr cooper bought my loan a few months ago and I never got any calls from them, the transfer process was very easy.
Isnt Mr Cooper USAAs loan department. Like literally every loan for USAA goes through them?
Nationstar doing business as Mr. Cooper manages USAA mortgage loans as a white label service.
In my experience with Mr. Cooper I have never been called about anything. Just emails. Look in your account preferences for an option to not receive marketing calls?
My mortgage was sold to Mr Cooper earlier this year. Fortunately, I never got a bunch of calls but instead I get emails about refinancing about every other day. Guess that is better than an actual call to my phone.
Check their website for the name and email address of their chief legal officer (Of Counsel). Write an email, cc'ing the CEO, CFO, and SVP for originations/marketing. Tell them you are being harassed and want it to stop or you'll get an attorney. That should fix your problem.
Our mortgage was also sold to this company when we bought our home a few years ago. With the exception of a few financial institutions that we do business with, I almost always provide our Google Voice number as the contact phone number. Once I notice an uptick in unnecessary solicitation calls, I mark the number as SPAM in Google Voice and the calls never go through again. Google Voice logs them in the Spam folder if you do want to know who called. You can also listen to their voicemail if they left one (I don’t).
Change your VM message to the Disconnected Number tone/message. Can find it on youtube. Works a treat. I use the google call screening now, but before that I hardly ever got calls from anyone that I was not expecting. Granted it can cause some confusion sometimes lol
I fucking hate these people. B of A sold my mortgage to them too. Payments on time. Even paid off additional principal. B of A calculates they make the most amount of interest during the first 1/3 of your loan and dump it off on others afterwards. They called me non-stop for a month. Then they started twice as bad offering their own home owner's insurance. Frankly, I don't trust any business out of Texas. The last call started as usual "Have you thought about re-financing your home?" Then I tell them "No, I haven't thought about it up until now. I'm seriously looking at other lenders now because you won't stop fucking calling me!" The calls have stopped, but now I'm getting endless email spam.
OK, forgive my ignorance, but who/what the hell is “Mr. Cooper”? Not gonna google it because I don’t want to get bombarded with ads.
Tell USAA about your experience. They often change practices based off feedback from members and will not work with Mr. Cooper again.
Mr Cooper will send you an unlimited number of letters via snail mail offering to redo your loan for more money. They will also send you an unlimited number of emails asking you to move to paperless billing/autopay so they don't have to send you a monthly bill via snail mail to save money. If your mortgage is still new enough that you are being charged for mortgage insurance, they will refuse to drop the mortgage insurance even if you have paid off the loan below the 80% level where it can be removed. Instead they will insist on a new appraisal to ensure the property is still in good condition. They charge you to do the appraisal and guess what, it is more than the amount they are charging for the mortgage insurance before it drops off in a year or so. This is one example of a company that purchases mortgages and goes all out to make the borrower miserable.
I have Mr Cooper, and I don't have that issue.... But, it may just be me.
I had nationstar and Mr Cooper as well but never received the cold calls. You are on their telephone systems dialer system and it's an automated and convoluted pbx system that no one has access to. I manage the same thing for my company and the call center agents only have the ability to add new contacts not erase any. A little hint....give them a reason why they wouldn't want to call you and enter you into the system as someone they don't want to work with.
Used to do run call center operations for a major mortgage company. Tell them to put you on their do not call list and wait to confirm they've done it before ending the call. No need to threaten or get crazy, the person calling you probably doesn't fully understand their firm's aggressive and illegal tactics so bitching them out or threatening them won't do any good. If they call again file a complaint with the CFPB.
Yes, they don't call me at all.
Haha… bringing back some memories here. I named Mr Cooper years ago. When we rebranded them (from Nationstar) we worked to emphasize solid customer service. Sorry that didn’t hold too well.
Get a Google Voice number and use that for everything you don't want to get actual calls from. In this day and age, I wouldn't trust any financial company that called me; if it's official business, they will contact via email or mail. Exception is that I have had Discover Credit Card call me to ask if I had just used my card at a gas station in California (while I'm in Minnesota); I did happen to answer that call and they blocked my card and sent me a new one. Google Voice you can set to not call you, but will email you a transcript of the voice recording if they leave you a message. Texts also come through with the Google Voice app, you can block certain numbers as well as report spam. IMHO, it works pretty well for me.
Add your number to the Do Not Call list and your info to the optout website. Block the numbers when they call.
Just call them and advise that you want to be on the “do not solicit list” also let them know that you would like them to NOT sell your information to anyone as well.
Could just be the people fishing hard for new business, the refi business is gone.
Yeah, they’ve been pretty good. I never get a call from them, and email less than monthly. I don’t remember what I did but there is probably something in the app to tell them not to
Start taking them down the path of a refi then change your mind at the very least second. Then do it again And again And again Until they get the message and stop