Consumer complaint received 2023-10-04
Company: Mr. Cooper Group Inc.
State: HI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Foreclosure

Complaint:
Nationstar Mortgage acted in real bad faith and committed FRAUD in Hawaii against my privately owned property by filing a foreclosure on a FAKE MORTGAGE ACCOUNT that they tried to pull off as the original debt. The foreclosure has now been confirmed to have been utterly FALSE and yet they prevailed in the court despite outrageous fraud on the court. I am not the borrower, I own the property since XXXX XXXX  when I purchased it from the distressed owner, who had initiated a loan with XXXX in XXXX. This is one of those old Zombie Mortgages from the pre-crisis era, and the 6 year Statute of Limitations expired prior to the case ever being filed. All the parties to the original contract are long gone. By the time it worked its way through the foreclosure case, XXXX, and it came to the date of the judicial auction sale, on XX/XX/XXXX, I called the Plaintiff to ask if it would postpone the sale and provide proof that Nationstar is working for them. The call was made to XXXX XXXX, XXXX. as Trustee for XXXXXXXX XXXX XXXX XXXX XXXXXXXX, MORTGAGE PASS-THROUGH CERTIFICATES, XXXX, who admitted to me on the phone that it is NOT THEIR LOAN and Nationstar is NOT WORKING FOR THEM because the debt is not theirs. Nationstar Lied to the Court in Hawaii and committed multiple violations of clearly established laws, and sought an illegal foreclosure in the name of a fake plaintiff, while it duped the court because it was not the servicer of the plaintiff. Nationstar did not make itself a party to the case, it just acted as an Imposter to sue on a FAKE MORTGAGE ACCT that it reinstated illegally in the name of the borrower, without their permission or authority. Nationstar violated 2 Court Orders including an Order that Compelled the Discovery, which they utterly ignored, and hastily moved for summary judgment. They also violated an Order from the XXXX XXXX that granted me a Temporary Stay of the foreclosure to post a bond. They knew the stay was active until XX/XX/XXXX, but they egregiously transferred the title to the property on XX/XX/XXXX, in violation of the Court Ordered Stay. I alerted them that they did this transfer illegally, but they ignored my attempts to get them to fix their wrongful acts. Once the debt was discovered to Not be owed to USB, and Nationstar was not its servicer, the court should have dismissed the case because it lost jurisdiction over a fake plaintiff. Nationstar and their counsel railroaded me and forced the false foreclosure after the XXXX expired on the debt. They persuaded a fake limitation statute of 20 years which applies only to adverse possession law, which directly impaired the contract rights and obligations of the original contract. They further listed the property for sale on XXXX  public Listing Service without ever having the confirmation sale yet, which is illegal since they were not the owner, I was the owner, and they concealed it from me until I started receiving many calls from realtors to buy the property. The XXXX XXXX XXXX told me it is illegal to list without approval from the owner. Their ledgers show massive double dipping of fees, and extortion fees that were never owed, showing entries of a foreclosure that never happened in XXXX, yet they charged massive fees for it despite that it was all fake entries. They duplicated and triplicated many inspection fees and double dipped on many attorney fees, as they colluded with the lawyers at XXXX to force the sale of the property, where there is absolutely no debt to repay at all because it expired. There is no remedy to stop them and they have committed Fraud on the Court, caused an Unreasonable XXXX  by way of foreclosure where no debt is owed. They seized the property for XXXX XXXX, well over the debt amount of XXXX, yet they took all the money and ran with it and never distributed any of it to the homeowner, which are ALL OVERAGES since there is no debt to repay. This is an outrageous Fraud based on a FAKE REINSTATED MORTGAGE which is only entitled to the borrower to reinstate. But Nationstar reinstated and then used that fake claim to seize my property based on a mortgage standing alone without any debt owed to anyone involved. This is much too stale a debt, and how has the court allowed this fraud from a non-party, self-proclaimed servicer, who used fabricated documents and false statements to deprive me of my valuable property. This case is so egregious, it requires review by the CFPB. Nationstar is acting as if it is above the law and the harm is irreparable.

Company response to consumer: Closed with explanation