Consumer complaint received 2023-12-14
Company: Mr. Cooper Group Inc.
State: NM
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Nationstar sent XXXX XXXX and XXXX XXXX to capture XXXX on top of the other checks they knew they were sent by XXXX XXXX and XXXX XXXX XXXX XXXX ( XXXX ) and myself XXXX XXXX XXXX, to the bank to payooff the XXXX loan and sent us applications for reifnance, modificaiton assumption and did not respond and declined the loss mitigation options to us as homeowners since XXXX Aside from keeping the money which would have paid CASH THE loan that was bought by XXXX XXXX XXXX, nationstar decided to create a new loan no cash as " investment FHA loan " wiht the prior XXXX owners XXXX and XXXX. Then after 10 years of discharge of the loan, the attorney included XXXX for his " fees for loss mitigation efforst '' with XXXX XXXX and demands now XXXX from her cash. Not happy with that, confused the courts that are on appeal right now, and used a old masters report in appeal ( the case has not yet been decided by superior court ) nor heard on the district court on the case because XXXX XXXX nor XXXX XXXX XXXX were named as defendants and are not signors on the mortgage fraud. 
See HUD letter attached XXXXXXXX XXXX  interst has not been satisfied as she wants to keep the home she raised me and my grandkids for the last 15 years. We have paid taxes and insurance home insurance because it is vested in the homeowners name not the old borrowers of the nationstar discharged debt of XXXX that they are thrying to collect now. 

This is my house how did it go from my name to the bank 's name without my signaure, are they keeping XXXX casdh and the eqity of my house and the title that is an economical abuse of an elderly person. Neither my late husband ( military ) or I were served for the debt or oinformed of what we owe. 
A spreadsheet of the attorney sfees is not enough The bank " bought his loan back for XXXX we not only bid on their auction for XXXX but also sent a letter to XXXX the bank 's envoyee or ambassador for the debt vollection. Now the atttoney wants XXXX cash the embassador of nationstar wants XXXX and the salcedos ' want the payoff of the real estate contract that they agereed with XXXX XXXX, another embassador attorney of nationstar, to collect funds of. 
the house is only worht XXXX and we have recently paid XXXX to repair the heating system and roof, and electrical and windows per the last letter of mr cooper asking ius to do repairs. and now they want th ehouse too. I have been here with my daughter for 15 years it is mine. The " borrowers '' of your s of XXXX are not going to pay you a dime, you did a loan not including allthe owners and of course us, in XXXX and XXXX XXXX rescinded or denied you have mortgage insurance for tha tloan, hence the attoenys are not paid by title and now they want to charge us? This is a fraudulent loan. and a judgment that is uncollectqable. We offered to pay the difference bettween the rec in a refinance end we even refinanced application with you hnatiohnstar and the loan, the modificaiton assumption offer was never extended in good faith, i understand now that you only wanted to keep on billing u s monthlyk, keep the cash and return only XXXX that is not wwhat we deposited in your bank as. security deposit for th acash purchase. 
the bank nationstar never NEVER ANSWERED THE OFFERED ASSUMPTION MODIFICATION ON XXXX BECAUSE THEY SAID " THE PROEPRTY IS IN LITIGATION '' BY XXXX XXXX AND XXXX XXXX BUT GLADLY ACCEPTED PAYMENTS IN CASH AND ONLY RETURNED XXXX OF THE XXXX WE PAID IT CASH ALREADY, IF THERE IS A DISCREPANCY OF XXXX THAT THE BANK BID ON " THEIR LOAN OF XXXX THEY ARE COLLECTING FROM US THIRDPARTIES '' THEN THE DIFFERENCE IS ONLY ABOUT XXXX. IF IT IS A SALE TO US T OSELL IT AGAIN FOR THE SECOND TIME FOR MORE THAN THE ORIGINAL LOAN WHICH WAS XXXX OW THEY WANT XXXX WE OFFERED XXXX ALREADY AS THE HIGHER BIDDER WITH 'ACCCESS TO CASH ; ' AS ADVERTISED, HOWEVER, THERE IS OTHER XXXX OF THE XXXX THAT IS OWED TO COURT REGISTRY TO APPLY AGAINST IT, WITH THE XXXX DOWN PAYMENT IN COURT, THEN THE LETTER OF ACCESS TO CASH BY XXXX XXXX IS ATTACHE DHERE AS PRE APROVAL, BUT NO THE BANK NATIONSTAR HAS IN MIND TO MAKE MORE MONEY ON LOUR EQUITY, TO TAKE THE HOUSE XXXX KEEP THE XXXX CPAID ALREADY AND MAKE 350 % OF THEIR INVESTMENT ON MY BACK ON MY WORK AS A XXXX ON THIS COMMUNITY AND ON MY DEAD HSUBANDS ' BLOOD THAT HE PAID FOR ALL OF US TO HAVE RIGHT TO FREEDOM, PRIVATE PROPERTY AND PURSUIT OF HAPPINESS, YOU. DI DNOT EVEN SERVE HIM N XXXX WHEN HE WAS ALIVE. DID NOT DO GOOD ON THE OFFER OF MODIFICAITON ASSUMPTION IN XXXX AND DID NOT DO GOOD ON THE COVID 19 MODIFICAITON MAP PROGRAM AND DID NOT PARTICIPATE ON THE NMFA COVID XXXX ASSISTANCE THAT WOUL DHAVE PAID YOUR XXXX ATTORNEYS AND DEBT COLLECTORS, INSTEAD YOU WANT IT ALL. THE HOUSE THE MONEY AND GAVE US 10 YEARS OF XXXX. THAT IS NOT RIGHT OR ETHICAL.. AND SENDING YOUR ATTORNEYS TO FORECLOSE ON OUR REC AND TAKE OUR HOUSE WITH WHAT AUTHORITY AND KEEPING THE ZOMBIE TITLES AND THE MONEY IS NOT JUST THIS IS OUR HOME WE PAID AND WE ARE ELIGIBLE FOR LOANS AND ELIGIBLE FOR HELP FROM XXXX XXXX BUT THEY TOLD US THE BANK ( SENT XXXX XXXX TO SEIZE ASSETS FROM ESCROW ) IS THE OWNER OF THE XXXX  AND DOES NOT WANT TO PARTICIPATE TO HELP MY MOM WHO HAD COVID IN XXXX WITH FEDERAL FUNDS HELP. INSTEAD WNATS A WIN AND TO TRIPLICATE PROFIT. MY FAMILY WILL BE HOMELESS AND WE SHOULD NOT WE HAVE BEEN HERE MOE THAN 10 YEARS IS OUR HOME. I HAVE NOT SIGNED OVER MY HOUSE. I WILL PAY THE REMAINDER OF THE XXXX  OR THE AMOUNT YOU SENT A XXXX XXXX O N OUR DOOR FOR WHAT HE WANTS XXXX BUT HE DOES. NOT WANT THE FUNDS FROM A MORRGAGE COMPANY HE WANTS CASH TO SELL IT TO A BUDDY OF TH EFIRM OR TH E BANK AND STIFF ME IN MY SILVER YEARS.

Company response to consumer: Closed with explanation