Mr. Cooper is facing another complaint over its fees, from plaintiffs claiming over $15 million in damages.
Two borrowers filed the class action lawsuit this week in Ohio, including parent company
The case piggybacks off a 2022 lawsuit in the same Ohio forum where plaintiffs are still pursuing claims against the megaservicer. Consumers have targeted Mr. Cooper for other fee disputes in recent years, although the company last year successfully batted away one of those claims regarding
The plaintiffs in the new filing, Madeline McCabe and John Blair, each say they were wrongly charged the $20 fees when they paid off their mortgages in 2022 and 2024, respectively. Their filing cites the 2022 case, in which a Mr. Cooper executive in charge of servicing declared that the hundreds of thousands of borrowers in question were charged the fees between 2016 and 2022.
McCabe and Blair argue that the 36 states where the prospective class members reside "do not provide" for the charging of the fees.
An attorney for the pair declined to comment Friday, while a spokesperson for Rocket didn't respond to a request for comment.
Mr. Cooper's fee battles in federal courts
The 2022 version of the complaint has survived several iterations, as the court has forced those plaintiffs to amend their case. Those borrowers raised accusations that the fees in question violated the Real Estate Settlement Procedures Act. Mr. Cooper contested that charge, and a judge agreed, dismissing that and other counts but leaving a breach of contract claim intact.
The Texas-based firm meanwhile successfully argued to a Washington federal judge last year that its current $25 expedited payoff quote statement fees passed legal muster. Borrowers who likened those charges to
Those borrowers have appealed that decision and the case is pending in a federal circuit court.
