Consumer complaint received 2022-01-14
Company: Mr. Cooper Group Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Nationstar Mortgage, LLC dba Mr. Cooper sent letters to my residence requesting I provide proof of hazard insurance from XX/XX/XXXX to XX/XX/XXXX. I have never had a mortgage with Nationstar Mortgage, LLC dba Mr. cooper. Nationstar Mortgage, LLC dba Mr. Cooper has never been the owner of my mortgage or note. Neither I or my spouse have ever received a loan, or a line of credit from Nationstar Mortgage, LLC dba Mr. Cooper. Nationstar Mortgage, LLC dba Mr. Cooper brought a wrongful foreclosure action against me & my spouse, XXXX XXXX XX/XX/XXXX. A final judgment was entered and we were informed by the judge, as well as the attorney for Nationstar Mortgage, LLC, that the judgment cancelled the alleged mortgage. Nationstar Mortgage, LLC refuses to record a satisfaction or lien release on the property at XXXX XXXX XXXX XXXX, Fl XXXX and is still trying to collect hazard insurance from XX/XX/XXXX to XX/XX/XXXX. There is no mortgage. Nationstar Mortgage, LLC dba Mr. Cooper, threatened to charge my spouse for insurance and purchase the plan for us for XX/XX/XXXX to XX/XX/XXXX. Nationstar Mortgage, LLC dba Mr. Cooper also stated in the letter, we received the hazard insurance information you provided but we are unable to verify coverage from XX/XX/XXXX to XX/XX/XXXX. I never sent proof of insurance coverage to Mr. Cooper. Who sent it? 
I filed bankruptcy on XX/XX/XXXX & received a discharge under chapter XXXX on XX/XX/XXXX. Nationstar Mortgage, LLC dba Mr. Cooper was listed as an unsecured creditor and my homestead property was claimed exempt from sale by judgment or third party debt collectors. Nationstar Mortgage, LLC dba Mr. Cooper has engaged in theft, unjust enrichment and has continued to harass me. Nationstar Mortgage, LLC dba Mr. Cooper allegedly sold the property XXXX XXXX XXXX XXXX, FL XXXX to another party sometime in XXXX. Why would we owe insurance to Mr. Cooper from XX/XX/XXXX to XX/XX/XXXX, when Nationstar Mortgage, LLC dba Mr. Cooper claims to be the owner of the property from XX/XX/XXXX to XX/XX/XXXX? This is a form of insurance fraud. Why hasn't there been a lien release recorded? Nationstar Mortgage, LLC sent my spouse a 1099A on XX/XX/XXXX. The property was never abandoned and Nationstar Mortgage filed a false/fraudulent tax form to the IRS in regards to real property. 
I have recorded affidavits in the official records of XXXX XXXX Florida disputing the certificate of title, verification, certification of possession of original note, assignment of mortgage etc. The affidavits are undisputed. Pretending to originate a loan and executing and recording documents that contain fictitious, misrepresentations or fraudulent statements which results in theft of property, is a crime in florida and is a third degree felony. Fl a. Stat. 817.535 ( 8 ) ( a ) provides that any person adversely affected by an instrument filed in the official record which contains a materially false, fictitious, or fraudulent statement or representation has a civil cause of action. Upon a finding that the instrument contains a materially false, fictitious, or fraudulent statement or representation such that the instrument does not establish a legitimate property or lien interest in favor of another person the court may declare the instrument null and void ab initio and may order the instrument sealed and removed from any searchable electronic database. See 817.535 ( 8 ) ( b ) ( 1 ). FL 817.535 - Unlawful filing of false documents or records against real or personal property. ( 2 ) ( a ) A person who files or directs a filer to file, with the intent to defraud or harass another, any instrument containing a materially false, fictitious, or fraudulent statement or representation that purports to affect an owners interest in the property described in the instrument commits a felony of the third degree, punishable as provided in s. 775.082, s. 775.083, or s. 775.084 I have requested who Nationstar Mortgage, LLC dba Mr. coopers Errors & omissions insurance provider several times and have been ignored. I sent an administrative procedure letter and was ignored

Company response to consumer: Closed with explanation