I applied for loan modification. They said I had to be 90-days behind and for me to stop paying the mortgage. So I did. Long story short, I declined their modification. It was $200 more than regular payment due to the tax and hazardous insurance in escrow. Since I did not sign for the modification, they are still paying my insurance and taxes. I called 3x and said to stop and to return the account back to normal. I am current. They failed to report my payments to the credit bureaus. So my credit score dropped 80 points instantly. So, now they are paying my taxes. They are already paid. Now I have to get the refund and pay mr cooper in escrow every month. This is preventing me from paying into my loan principal because of the outstanding escrow. I need help suing this company. They dont want me to pay into the principal until the escrow is paid. So wrong. I never signed anything with this company I denied the modification, not them.