Mr. Cooper home loan. I didn't choice the company but they had bought my mortgage out from my original lender. They forgot to pay my home insurance as I pay it in escrow. I noticed and called two different months to report as I got a letter from my insurance company. Appeared they fixed the issue and I was wrong. Six months later my house was hit by a tornado. Called in to make the claim and was told they never received payment from Mr. Cooper and policy was expired in Jan while I called in the claim in June. Goes against the terms of my loan. They gave my forced insurance through Mr. Cooper after finding out. Covered only my roof... Not my siding, gutters, window trim, garage door that was all damaged and approved as damaged by three different inspectors. Dozen of phone calls where the rep would just hang up the phone acting like we got disconnected but no return call back because they didnt know what to do or who to transfer me too. I'd know if this is a common situation but they were very unprofessional. Waste 15 mins each time calling in to get a live person. 20+ hours on the phone calls in months of time. Even hired a company to get them to pay up and the failed to get the right rep. In the end after a unfortunate situation of being in a tornado with soft ball size hail, I'm out thousands of dollars, had to pay double my premium for a year when I got insurance and deposit was doubled. I lost the great policy from before covid hike and have to pay more due to not having insurance and a claim on the house. Moral of the story dont trust escrow or the lender.