Consumer complaint received 2020-02-10
Company: Mr. Cooper Group Inc.
State: VA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Struggling to pay mortgage

Complaint:
DUAL TRACKING VIOLATION ( S ) AGAINST - Nationstar Mortgage LLC d/b/a Champion Mortgage Company Servicer : Nationstar Mortgage LLC d/b/a Champion Mortgage Company Loan # : XXXX Estate of XXXX XXXX XXXX / XXXX XXXX XXXX XXXX ( Legally Named Heir ) Property Address : XXXX XXXX XXXX, XXXX, VA XXXX Trustee Sale Date : XX/XX/2020 To whom it may concern : This is my 2nd CFPB Complaint against Nationstar Mortgage LLC d/b/a Champion Mortgage Company ( Champion ) regarding the subject property. I have an open and active loss mitigation file with Champion Mortgage Company ( Champion ) wherein I am working with a Short Sale Specialist to refi my deceased parents reverse mortgage regarding the above-referenced property ; or in the alternative purchase same for 95 % of current market value. Yet the foreclosing attorney has scheduled a sale date for XX/XX/2020. 
This is an open and active loss mitigation file. On XX/XX/2020 I received an email from Champions Short Sale Specialist stating that my Appraisal had expired and that she would need to order another one. As it turns out, that was a drive-by Appraisal to be conducted by one of Champions in-house Appraisers. 
As recent as XX/XX/2020 I emailed the Short Sale Specialist requesting info about the Appraisal as I needed to give it to XXXX XXXX whom I had been working with to purchase/refi the XXXX XXXX XXXX property. On the same day, XX/XX/2020, she responded to me stating that a drive by Appraisal wouldnt work and she would order full appraisal from Champions in-house Appraiser. 
On XX/XX/2020 I received notification from the Client Service Specialist from XXXX advising me that Champion had placed an appraisal order for XXXX XXXX XXXX and they had assigned it to one of their appraisers. 
As a result of all the information and activity described herein above, there is no reason for me not to believe that I am still in Loss Mitigation with Champion. No  one has informed me that I am no longer in Loss Mitigation. I have not received any communication via email, letter, telephone or otherwise that my file is closed and no longer open! Yet, Champions foreclosing attorney has scheduled a Trustee Sale date for XX/XX/2020 however, Ive not been notified by anyone. I was told by Champions Short Sale Specialist that she would let me know if a sale date was scheduled and to date she has not advised me of any sale date, especially not XXXX XXXX. Let me emphasize that this is the same Champion Short Sale Specialist who just ordered the appraisal to determine the payoff amount for my lender. 

I am being treated unfairly. I am complying with everything they have requested of me, yet they are trying to take the property which I inherited from my late father. I have kept the insurance and property taxes current throughout this entire process and they are still current today. I need help to stop this foreclosure immediately! I have an open lawsuit with U.S. District Court Eastern District of Virginia and I feel that I need the additional protection that is provided by the CFPB. The CFPB 's mortgage servicing rules ensure that borrowers in trouble get a fair process to avoid foreclosure. Restricted Dual-Tracking : Under the CFPB 's new rules, dual-tracking when the servicer moves forward with foreclosure while simultaneously working with the borrower to avoid foreclosure is restricted. Again, I need CFPBs assistance in stopping this sale as soon as possible. Please help me. If you need any additional information from me to assist you in quickly resolving this matter, please contact me at Thank you.

Company response to consumer: Closed with explanation