Complaints

This profile includes complaints for Mr. Cooper's headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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  Mr. Cooper

  800 State Highway 121 Bypass Lewisville, TX 75067

  
• 

  Mr. Cooper

  8950 Cypress Waters Blvd Coppell, TX 75019-4620

  
• 

  Mr. Cooper

  750 State Highway 121 Bypass, Suite 101 Lewisville, TX 75067

  
• 

  Nationstar Mortgage LLC

  1164 Bishop St Ste 1211 Honolulu, HI 96813

  
• 

  Nationstar Mortgage, LLC

  38777 Six Mile Road, Suite 114 Livonia, MI 48152

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:05/22/2025

  Type:Order Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  On 03/11/25 I sent NationStar Mortgage aka Mr. Cooper, and Rushmore Servicing a certified letter about a modification loan in the amount of $10,903.53 that I do not owe and Rushmore Servicing had 30 days to respond and when they responded to my certified letter they told me they needed more time and then would respond by 05/15/25 Rushmore Servicing still haven't responded. I spoke to ******** and ***** on 05/19/25 They told me Rushmore Servicing sent out a letter stating they needed more time it's been over 2 months and Rushmore Servicing still haven't sent me a contract of a modification loan of $10,903.53 that I do not owe with my signature where I signed a modification loan. And also Rushmore Servicing have not posted 28 of my principal payments out of my monthly payment which I pay $688 a month. This has been a very stressful process and no Rushmore Servicing never solve my problems.

  Business Response

  Date: 05/28/2025

  Please see the attached
  summary of our response. A response will be sent under separate cover to
  our customer. Thank you for allowing us the opportunity to assist you.

  Customer Answer

  Date: 05/29/2025

  I filed a complaint against MR. COOPER. I AM NOT SATISFIED WITH THE RESULTS AND THE ISSUES IS NOT SOLVED. 

  Business Response

  Date: 06/06/2025

  Please see the attached summary of our response. A response will be sent under separate cover to our customer. Thank you for allowing us the opportunity to assist you.

  Customer Answer

  Date: 06/11/2025

  To whom it may concern: My issue is not resolved with Rushmore Servicing, Mr.Cooper, and NationStar Mortgage LLC. This mortgage was in Bankruptcy 2019 until 2025 payment was being made by the Bankruptcy court our payments was applied correctly until Rushmore Servicing changed their name to Mr. Cooper and NationStar Mortgage LLC. It states in the contract thst the interest rate will decrease by one quarter of a percent 13th month every 12 consecutive month. This loan was established in 2006 and Rushmore Servicing, aka Mr. Cooper, and NationStar are trying to put the interest rate at the original contract which that contract and interest is no longer available it was ruled out. On My statements each month they have the interest rate at 12.45% and they said they was going to change my interest rate to 12.95% and they applied several months of my payments of $688 to interest. Since the loan was established in 2006 most of my payment should be going to my principal they have added so many different things  to my mortgage one of the things they added was a suspense payment they said it kept in a separate account in case you don't pay or if you didn't have good credit..ALL of my payments should be applied to my account. I have never had any trouble with my account until Rushmore Servicing changed their name to Mr. Cooper, and NationStar Mortgage LLC they have been trying to take advantage of my account and me.

  Customer Answer

  Date: 06/11/2025

  To whom it may concern: My issue is not resolved with Rushmore Servicing, Mr.Cooper, and NationStar Mortgage LLC. This mortgage was in Bankruptcy 2019 until 2025 payment was being made by the Bankruptcy court our payments was applied correctly until Rushmore Servicing changed their name to Mr. Cooper and NationStar Mortgage LLC. It states in the contract thst the interest rate will decrease by one quarter of a percent 13th month every 12 consecutive month. This loan was established in 2006 and Rushmore Servicing, aka Mr. Cooper, and NationStar are trying to put the interest rate at the original contract which that contract and interest is no longer available it was ruled out. On My statements each month they have the interest rate at 12.45% and they said they was going to change my interest rate to 12.95% and they applied several months of my payments of $688 to interest. Since the loan was established in 2006 most of my payment should be going to my principal they have added so many different things  to my mortgage one of the things they added was a suspense payment they said it kept in a separate account in case you don't pay or if you didn't have good credit..ALL of my payments should be applied to my account. I have never had any trouble with my account until Rushmore Servicing changed their name to Mr. Cooper, and NationStar Mortgage LLC they have been trying to take advantage of my account and me.

  Business Response

  Date: 06/20/2025

  Please see the attached summary of our response. A response will be sent under separate cover to our customer. Thank you for allowing us the opportunity to assist you.

  Customer Answer

  Date: 06/20/2025

  To whom may concern: I received my response from Rushmore Servicing, aka Mr Cooper and NationStar Mortgage my deferred balance of $10,903.53 was waived on May 272025. My problem was. resolved. Thanks BBB for helping me resolve my issues. I am a very satisfied customer. Thanks Rushmore Servicing aka Mr. Cooper, and NationStar Mortgage LLC for your cooperation.But I still have another issue that I am waiting on Rushmore Servicing, Mr. Cooper, and NationStar Mortgage LLC to resolve.

  Customer Answer

  Date: 06/25/2025

  I have reviewed the business’ response and accept this
  resolution. 

• Initial Complaint

  Date:05/22/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  My house has gone into foreclosure the bank Mr. Cooper has taken the account in April 2025. Me and my husband are still legally married, and both of our names are on the deed to house and mortgage. I have gotten myself as a successor on the account with **********************. I moved out in 2018 due to complications between us and he passed away in Dec 2023. His 2 brothers moved into the house a year before his passing and are living there currently. There was a will filed but not probated leaving everything to his sister but if she couldn't it was left to the neighbor. It was also a small estate will and was made out 3 days before his passing and he was in hospice care he did not fill out the will himself and he was incoherent. The neighbor has used his information such as SSN to create an account with ********************** and has gotten herself as a successor of the account also. She also has done a Modification application with Mr. Cooper and listed herself as his daughter which is not correct, she is not related in any way to him, and she has listed the 2 brothers living there as renter occupancy which is not correct. I have sent them a 30 day notice to vacate from myself which the last day of that is May 25th and I will continue with court eviction process. Mr. Cooper is telling me that they will not take the neighbors name back off of the account and they are just giving me a runaround every time I contact them. I cannot do anything to get the house out of foreclosure with her name on the account. I am the rightful owner of the house, and I would like my house back. I have all paperwork and documentation of everything including emails to and from Mr. Cooper, the application sent into **** Cooper, the will that's not probated, marriage license, death certificate, original deed to the house with both of our names listed. I have sent all of this to Mr. Cooper also.

  Business Response

  Date: 05/23/2025

  Ms. ***** -   Please see the attached response.  We will send you the enclosures under separate cover.  Thank you. 

• Initial Complaint

  Date:05/21/2025

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am writing to formally express my extreme frustration with the mortgage assumption process Ive been attempting to complete with Mr. Cooper. This process has been ongoing for well over two years since my divorce, during which my ex-wife and I legally agreed that I would keep the house. Despite having all necessary legal documentation, I have encountered repeated delays, poor communication, and a lack of accountability from your team.The first time I contacted Mr. Cooper to initiate the assumption process, I was told the necessary documents would be mailed to me. After waiting 23 weeks without receiving anything, I called back to report the delay, and a second case was opened.This time, the documents were sent via email. I promptly filled them out and returned them with a delivery receipt to confirm receipt on your end. Once I received confirmation that the documents were delivered, I followed up with the Assumptions Departmentonly to be told it would take weeks to review them.After another 3-week wait, I finally received a notice in the mail indicating that a single signature was missing. I corrected the issue and mailed the document back immediately. Just a few days later, I received another letter informing me that my case had been closed yet again.I contacted your office once more and was told that I would now need to resubmit all documents from the beginning. This has become an endless, circular process with no progress made, despite my repeated efforts to meet all your requirements promptly and completely.This level of service is completely unacceptable. I am doing everything I can to follow through with the process, and yet it seems your internal systems are making it nearly impossible. I am requesting immediate attention to this matter and a direct point of contact who can oversee this case through to resolution.I am tired of being passed around departments with no accountability or *********** email is: ********************

  Business Response

  Date: 06/03/2025

  Please find our summary attached. A resolution response is being sent to our customer under separate cover. We appreciate the opportunity to assist you.

• Initial Complaint

  Date:05/21/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I summitted for a recast of my mortgage in January of 2025. I have contacted Mr. Cooper Morgage numerous times beginning in February for information regarding this recast. I have been told now that even though there were errors by Mr. Cooper employees multiple times via both chat and phone calls, (which there are transcripts and notes that Mr. Cooper customer service can see, and have admitted that I have been given information that I have followed) my loan is now in default with extra fees and penalties for non payment even though I paid exactly as I was told by Mr. Cooper employees. They are now threatening foreclosure and collections which will now affect my good credit score. I paid the exact amount requested for both April and May as I was told the new amount would begin in April. I am attaching a file with the letter I submitted to Mr. Cooper. I have been on chat with them once since sending this letter to see if they have a solution, and was once again told to give them "3-5 days to fix the issue". It is still not settled.

  Business Response

  Date: 06/12/2025

  
  Please see the attached summary of our response. A response will be sent under separate cover to our customer. Thank you for allowing us the opportunity to assist you.

• Initial Complaint

  Date:05/21/2025

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  ************** Policy 5/24/2024 - 5/25/2025 Total $4278.91 for ****************************** (document attached)Mr ********************** Mortgage Statement Escrow - $4765.55 *************** (Doc ************************************ put the wrong numbers in and they were informed in October 2024 by myself and ****. I managed the call.4/01/25 Mr ********************** changed my USAA Escrow to $5,184.74. My USAA policy of $4765.55 has not changed. Mr ********************** customer service refuses to help me and I have been asking for a manager for 3 ******** ********************** is charging me late fees and miscalculating my insurance in my escrow. I am a 100% Disabled Veteran Priority One and I do not pay property tax. My only escrow is my ************** and Mr ********************** can not bill or record properly.Responses from ****************************************** have been "too sad too bad".I am requesting a total review of my mortgage, close the escrow, and fix the customer service.Thanks ****** *******

  Business Response

  Date: 05/30/2025

  
  Please see the attached summary of our response. A response will be sent under separate cover to our customer. Thank you for allowing us the opportunity to assist you.
  

• Initial Complaint

  Date:05/20/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  My account was switched from ******** to Mr.Cooper, never once did I have any issues with Flagstar. Once I was switched over I made sure to notify all parties with the mortgagee clause and my loan number. I started receiving notifications in February 2025 that they did not have active hazard insurance for account, I reached out to my insurance provider who sent it to them, this went on for a few months. I even submitted it on their website most recently. My policy is active from 10/24-10/25. They charged me $9,080 in 02/25 and another $9,080 in 05/25. I just called them and she said she has my policy right here told me the provider and policy number. So why was I charged $9,080 twice for hazard insurance if my policy was on file this whole time?

  Business Response

  Date: 05/30/2025

  Please see the attached summary of our response. A response will be sent under separate cover to our customer. Thank you for allowing us the opportunity to assist you.

• Initial Complaint

  Date:05/20/2025

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I mailed my mortgage payment to Mr. Cooper (the stamp reads 3 May 2025 ******* NJ). Today (20 May 25) I found that the payment was unopened and marked "Not deliverable" despite using the payment coupon from the mortgage.I attempted to call Mr. Cooper twice, wasting an extremely long time and unable to get a human on the phone.I mailed my payment in good faith before May, and I refuse to be forced to make a payment to a computer AI generated voice, with an accompanying late fee. They need to inform their borrowers of changes in their address, not send off coupons with invalid return addresses.

  Business Response

  Date: 05/27/2025

  Please see the attached summary of our response. A response will be sent under separate cover to our customer. Thank you for allowing us the opportunity to assist you.

  Customer Answer

  Date: 05/27/2025

  I am rejecting this response because:   
  

  It is currently 4;03 pm on 27 May 25.
  

  I have not received a statement for June, and will not be sending the current returned payment until I receive the June statement. Both payments will be sent on the same day.

  Please note - the automated system sounds nice as referenced; yet takes a considerable time to actually speak to a live agent  Furthermore, I prefer not to be forced to create another account to receive communications   
  

  Representatives will not send simple emails with live addresses without a pre-approved form letters which require that I create a Jew account   
  

  In fact, the respondents have not provided an address to which the payment should be sent   
  

  I find this suspicious   Please inform me which address is valid for payments; please do so to the BBB.  
  

   

   

  Business Response

  Date: 05/30/2025

  Please see the attached summary of our response. A response will be sent under separate cover to our customer. Thank you for allowing us the opportunity to assist you.

  Customer Answer

  Date: 05/30/2025

  I want to emphasize that Nationstar Mortgage (Me. Cooper) has removed the ** Box in ** from their website 

  The agent told me to use a different address.  
  

  The company has yet to provide (in writing) the address their agent referred to during the exchanges we are having. 
  

  I am going to close this case; I believe there are other circumstances which include **** impacting this situation.

  However, the company needs to communicate more directly with customers to resolve concerns.  

  Customer Answer

  Date: 06/04/2025

  I have reviewed the business response and accept this resolution. 

• Initial Complaint

  Date:05/20/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  We paid our Mobile Home off on October ******* in the amount of $36,360.50. The business has not sent us a release of Lein or Title.I sent them documents in March 2025 and received a letter from their company stating we would receive a response no later than May 7, 2025.We have no access to their website and when calling customer service cannot speak to a live person. It's all AI.We would appreciate your help in receiving the required documents.

  Business Response

  Date: 05/21/2025

  Please see the attached summary of our response. A response will be sent under separate cover to our customer. Thank you for allowing us the opportunity to assist you.

  Customer Answer

  Date: 05/22/2025

  The letter from  Rushmore Servicing received in your reply is an absolute lie. We Never received any letter from them in November 2024. As far as the information requested in their reply to you. They were the leinholder and finance company they have this information.  This seems like another attempt to defraud their company 

  Sincerely,

  ****** and ******* Rush 

  Customer Answer

  Date: 05/22/2025

  The letter from  Rushmore Servicing received in your reply is an absolute lie. We Never received any letter from them in November 2024. As far as the information requested in their reply to you. They were the leinholder and finance company they have this information.  This seems like another attempt to defraud their company 
  
  Sincerely,
  
  ****** and ******* ****

  Business Response

  Date: 05/23/2025

  Please see the attached summary of our response.A response will be sent under separate cover to our customer. Thank you for allowing us the opportunity to assist you.

• Initial Complaint

  Date:05/19/2025

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  My monthly statements are never updated correctly. I have been charged late penalties when in fact, I have been 1 to 3 months early in my payment. In my transaction activity, they are showing multiple reversal payments in escrow and in principle. Many of them multiple times in the same date. Almost like it's a computer glitch. It is nearly impossible to reach a person by phone. I want written confirmation that these late charges will be erased from my credit history and refunded

  Business Response

  Date: 06/09/2025

  Please see the attached summary of our response. A response will be sent under separate cover to our customer. Thank you for allowing us the opportunity to assist you.

  Customer Answer

  Date: 06/16/2025

  I have reviewed the business response and accept this resolution. 

• Initial Complaint

  Date:05/19/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I spoke with 3 different customer service representatives over the last 6-7 weeks who told me that a forbearance agreement had been approved on the mortgage. I kept asking them to send me a forbearance agreement letter in the mail it never came. I kept calling in asking them for the confirmation letter telling me that the forebearance agreement had been approved, they kept telling me that they were working on it and their systems were very slow but the letter should be sent soon. The letter never came. Finally I called them back and spoke to a man who said that the forebearance agreement was never approved and that the 3 employees that what the 3 different employees told me was not true. He didn't have an explanation as to why they strung me along, tricked me and wasted my time. He said he would put a request in for the manager to do something about it and call me back to discuss, the manager never called back and did not follow up in anyway. I asked the representative that I spoke to, to credit our account for any late fees or interest charges that may have been incurred, because we didn't make the payments on the account because we were told that we had a forbearance agreement. The representative kept changing the subject and talking about everything except crediting the account and making credit adjustments on the account. He apologized for me being mislead 3 different times about the forebearance agreement being approved and said the supervisor would have to issue me the credit or adjustments to the account. I asked him what happens to the 3 different employees that purposely mislead me and took up a lot of my time because each time I was on the phone for over and hour with those 3 employees, He said he didn't know but he would report it.

  Business Response

  Date: 05/27/2025

  Please see the attached summary of our response.A response will be sent under separate cover to our customer. Thank you for allowing us the opportunity to assist you.

  Customer Answer

  Date: 06/02/2025

  Yes, in the initial call I was informed that a forbearance agreement would need to be approved by the investor, but you failed to mention that I called 3 more times after that and was told by each representative that the forbearance agreement was approved. They even went as far as to say they had good news for me because the forbearance agreement was approved. 
  
  
  YOU also failed to mention that I kept asking each representative if the forbearance agreement was approved if they could send a letter in the mail confirming this and each time, I was given an excuse as to why a letter could not be sent in the mail confirming this, which is what is why I became doubtful that the forbearance agreement was really approved and I kept calling back.
  
  
  The loan was brought current on May 9th because after being told by the last representative that the forbearance agreement was really not approved and that each employee had given me wrong information, we found a way to obtain the funds necessary to bring the loan current. 
  
  
  I have examined the document that you sent showing that no late fees were charged to the loan since you have been servicing it, and indeed you are correct on your statement of this. But what about the additional interest that we may have incurred on the monthly payment because of the payment not being made on time because of the false and misleading information that we were given by your 3 employees? I could get no answers to this question when I called this is why I filed this complaint because I could get no answers, the supervisor didn't call back and to bring awareness to how your employees are giving false information to customers, taking up way too much of their time, and tricking them into believing something that simply that is just not true. If there was additional interest charged to this account because of the false information we were given, we are requesting that it be credited back to the account. If there was no additional interest charged to the account, we are requesting proof and an itemized statement showing no additional interest was charged on the account because of the false and misleading information given by your 3 employees. 
  
  At this time we are not interested in having the loan submitted to the investor for consideration because of the hurricane. If the investor didn't care about the death of one of the borrowers and the hardship it caused and the unemployment of my husband, we don't want to submit the loan for consideration because of the hurricane damage, because at this point, it has been made obvious to us and everyone else that is aware of this situation, that the investor's only interest is in obtaining money for the note and the investor could care less about the condition or unfortunate circumstances that the borrowers may find themselves in, who are left to pay for this mortgage, so we do not want to waste our time for another "consideration"!  And as for the lateness of the payment not being on our credit report, that wasn't our concern anyway, because the mortgage is not in our name, so even if we choose to never or not pay it, it won't be on our credit report. 
  
  
  
  
  
  
  Thank you for your reply rushmore servicing,
  ***** Schmidt 
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  

  Business Response

  Date: 06/11/2025

  Please see the attached summary of our response. A response will be sent under separate cover to our customer. Thank you for allowing us the opportunity to assist you.

  Customer Answer

  Date: 06/17/2025

  I am rejecting this response because:   I need to see proof that the account was only charged $3.75 late interest because the payment was not made on time. I read your response but I did not see any documents included showing that the account was actually charged $3.75 late fee additional interest. Without seeing this proof, I am left to just take your word for it. 
  
  Please send an itemized report showing how you arrived at the $3.75 late fee adjustment or if you are unable to provide proof, please explain the method you used to arrive at this late fee credit adjustments.

   

  Worth mentioning is the fact that the $3.75 adjustment isn't much considering what this situation has caused us in terms of the amount of time this took up, the false hope given,  the disappointment, and the suffering we have experienced as a result of this. 
  
  
  Thank you,

  
  ***** Schmidt