Consumer complaint received 2019-12-10
Company: Mr. Cooper Group Inc.
State: WY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have filed multiple complaints regarding violations and conflicting information from my Servicing/mortgage company. ****Note to Mr. Cooper Associates**** PLEASE read and  answer this ENTIRE complaint. Also, PLEASE read attachments!!!! 
I have attempted to settle mortgage and pay-off issues with my Servicing company. So far, I have had no success. As I have stated in former complaints, my Servicing company is quick to reply and then prematurely close the case. However, the issues are still unresolved. 
My Servicer REFUSES to admit they they or their predecessors have made violations and errors in regard to my mortgage. Previous owners and servicers of my mortgage have made multiple violations, including the following : 1 ) Nationstar Mortgage DBA Mr. Cooper has provided fraudulent and conflicting information regarding the address of the Assignee/Owner of my mortgage. When XXXX XXXX once again became the Owner/Assignee on XX/XX/XXXX, the recorded Assignment of Mortgage lists an FRAUDULENT address for XXXX XXXX. The address is recorded with the XXXX County Clerk as  XXXX XXXX XXXX XXXX, XXXX, Texas XXXX. This is NOT the address of XXXX XXXX or Nationstar/Mr. Cooper. XXXX XXXX XXXX XXXX, XXXX, Texas XXXX is the address belonging to XXXX XXXX XXXX, as confirmed by Mr. XXXX, who is the Facilities Coordinator of XXXX XXXXXXXX XXXX. I am attaching a letter from Mr. XXXX, in which he states that XXXX XXXX XXXX  is the sole tenant of the building at XXXX XXXX XXXX XXXX, XXXX, Texas XXXX. 2 ) Nationstar Mortgage DBA Mr. CooperXXXX XXXX can not prove ownership of either the Note or the Mortgage. There was failure to follow the proper chain of title while securitzing the Note and the Mortgage. 3 ) When the Note and Mortgage were pledged as collateral to a securitized trust, there was no physical transfer and delivery of the asset, which was in direct contravention of the trust 's governing document, which was the Pooling & Servicing Agreement. 4 ) When initially transferring my mortgage into the assigned trust, the cut-off date was missed by 4 years. ( See attached documents ) 5 ) XXXX XXXX XXXX XXXX  XXXX XXXX XXXX can not prove that they first purchased assets from XXXX XXXX XXXX, XXXX. before the securitization of my mortgage. 6 ) Nationstar Mortgage DBA Mr. Cooper has been deceptive about who actually owns my mortgage. 7 ) Mr. Cooper failed to comply with settlement agreement and refuses to renew this settlement agreement. 8 )  Not only is XXXX XXXX unable to produce the original Note, the copies of the Note have been signed and stamped by alleged Robo Signers. 9 ) My mortgage loan was initially set up improperly in XXXX, adding the impossibility of refinancing or loan modifications, and making a pay-off extremely difficult. 10 ) There is apparent alteration of the Note, when it was stamped after its origination. At some point after the origination of the loan, the Note was stamped with the name of alleged Robo Signer, XXXX XXXX XXXX. This stamp is not accompanied with a Notary Stamp to confirm a date or its validity, and appears ABOVE the signature of the Borrower. As specified by Uniform Comercial Code 3-407.  ALTERATION. 
( a ) " Alteration '' means ( i ) an unauthorized change in an instrument that purports to modify in any respect the obligation of a party, or ( ii ) an unauthorized addition of words or numbers or other change to an incomplete instrument relating to the obligation of a party. 11 ) In XXXX, I was advised by XXXX XXXXXXXX XXXX ( who was at that time the owner/servicer of my mortgage ) to default on my mortgage in order to complete a loan modification. I soon learned this was the worst advise I have ever received. This is the precise reason my wife and I have have gone through this XXXXXXXX experience for the previous 10 years. This experience over the past 10 years has taken a great toll on my wife 's health as well as my own. It is extremely cruel of Mr. Cooper to refuse to allow this pay-off settlement to take place.

Company response to consumer: Closed with explanation