This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

CFPB complaint data Grade F 457 complaints

Mr. Cooper Group Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 41 states, reputation grade F.

Complaints by issue type

What consumers report about Mr. Cooper Group Inc.

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

F

Grade F · 49.4/100 composite

This collector has a failing complaint record with very high complaint volumes and poor response rates.

Based on consumer-filed CFPB complaints, not proven violations or a court finding of wrongdoing.

The verdict

A reputation grade of F: Mr. Cooper Group Inc. ranks ahead of 14% of the 5,283 collectors PlainCollector grades - 86% keep a cleaner CFPB record, on 457 all-time complaints and a 100% timely-response rate.

14th pct
reputation rank of 5,283 graded collectors
457
CFPB complaints, all-time
100%
answered inside the CFPB window
41
in the last 12 months (falling)

Grades are relative: every collector is ranked against the others, so an A reflects a cleaner record than peers, not a clean bill of conduct. A complaint is a consumer filing, not a proven violation.

What do CFPB complaints reveal about Mr. Cooper Group Inc.?

Mr. Cooper Group Inc. has accumulated 457 total CFPB complaints across 41 states, with 41 filed in the most recent 12 months against 416 historical complaints before that window. The trailing-12-month volume represents 9.0% of the full complaint history, a falling pattern that implies either tighter collection practices, portfolio sell-offs, or improved dispute handling.

The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Debt is not yours". The company posts a 100% timely-response rate.

Complaints have been recorded across 41 states, led by California with 72 and Florida with 56. Normalized against the full CFPB collector database, the reputation score of 49.4/100 places Mr. Cooper Group Inc. in grade band F.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

457

mid-volume (CCDB)

Last 12 months

41

9.0% of all-time complaints

Falling ↓

States active

41

multi-region footprint

Timely response rate

100%

excellent band

Reputation grade

F

49.4/100 composite

How does Mr. Cooper Group Inc.'s reputation rank nationally?

Reputation score vs. every graded collector

PlainCollector composite reputation score (0–100, higher = cleaner CFPB record)

49 Bottom 14% higher than 14% of 5,283 graded collectors

0–10: 0 graded collectors (0%). Below this entry. 10–20: 3 graded collectors (0%). Below this entry. 20–30: 29 graded collectors (1%). Below this entry. 30–40: 160 graded collectors (3%). Below this entry. 40–50: 583 graded collectors (11%). This entry sits in this band. 50–60: 1,469 graded collectors (28%). Above this entry. 60–70: 1,364 graded collectors (26%). Above this entry. 70–80: 871 graded collectors (16%). Above this entry. 80–90: 660 graded collectors (12%). Above this entry. 90–100: 144 graded collectors (3%). Above this entry. This collector 0 100 every graded collector, bucketed by value

Each bar is a band; taller bars hold more graded collectors. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source PlainCollector composite of CFPB Consumer Complaint Database · 2013–2026

Response-quality profile

Mr. Cooper Group Inc. versus the debt-collection vertical average.

Timely response within SLA 99.8%
Vertical avg

CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.

State coverage breadth 73.2%

Share of US states + territories with at least one filed complaint against this collector.

How does Mr. Cooper Group Inc. compare to its peers?

How does Mr. Cooper Group Inc. compare? Versus a similar-volume peer and the national average, drawn from 10 collectors with a comparable complaint count
Mr. Cooper Group Inc. National average
Complaints (last 12 mo)lower is better
41
1
268
Timely-response ratehigher is better
100%
100%
91%
Consumer-dispute ratelower is better
0%
24%
19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2021-01 2026-01

Issue Detail Breakdown

Issue Sub-Issue Complaints
Attempts to collect debt not owed - 180
Took or threatened to take negative or legal action - 88
Written notification about debt - 83
False statements or representation - 73
Communication tactics - 28
Threatened to contact someone or share information improperly - 4
Electronic communications - 1

Where do complaints against Mr. Cooper Group Inc. come from?

Mr. Cooper Group Inc.'s own per-state count, not a national baseline.

Top states by complaints against Mr. Cooper Group Inc.

Across 41 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if Mr. Cooper Group Inc. contacts you

A grade of F signals how Mr. Cooper Group Inc.'s CFPB record compares to peers, here is how to act on it.

  • Demand written debt validation within 30 days of first contact, collectors must prove the debt is yours. Validation letter
  • Confirm the caller is really Mr. Cooper Group Inc. and not an impostor before paying anything. Verify a collector
  • Know your FDCPA rights, you can stop calls and report harassment. Your rights
  • See how Mr. Cooper Group Inc. ranks against every other collector by complaint record. Browse rankings

Complaint counts and grades reflect the public CFPB record, not a regulator's finding of wrongdoing or legal advice. For your specific situation, consult a licensed attorney.

Frequently Asked Questions

What is the most common complaint against Mr. Cooper Group Inc.? ▼

The most common issue consumers report about Mr. Cooper Group Inc. is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 457 complaints filed with the CFPB.

Are complaints against Mr. Cooper Group Inc. increasing or decreasing? ▼

Complaints against Mr. Cooper Group Inc. are falling. The company received 41 complaints in the last 12 months, showing improvement over prior periods.

What is Mr. Cooper Group Inc.'s reputation grade? ▼

Mr. Cooper Group Inc. has a reputation grade of F (score: 49.4/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Mr. Cooper Group Inc. respond to consumer complaints? ▼

Mr. Cooper Group Inc. has a 100% timely response rate to CFPB complaints.

In how many states does Mr. Cooper Group Inc. operate? ▼

Mr. Cooper Group Inc. has received CFPB complaints from consumers in 41 states, with the most complaints from California (72 complaints).

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial

Every figure on PlainCollector is rendered directly from federal source data, no number is typed in by an editor. This page draws directly on federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.