Consumer complaint received 2021-10-23
Company: Mr. Cooper Group Inc.
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2021 I, a CONSUMER, a NATURAL PERSON wrote a letter according to 15 USC 1692g to inform Nationstar/Mr. Cooper, an organization, that I was disputing and requesting Validation for an alleged debt. I also informed Nationstar/Mr. Cooper, an organization, that If they reported any invalidated information to the 3 major credit -reporting agencies ( XXXX, XXXX and XXXX XXXX that their actions may constitute fraud under federal and state laws. 

I also wrote Nationstar/Mr. Cooper, an organization, a Cease and Desist according to 15 USC 1692c ( c ) informing Nationstar/Mr. Cooper that I was refusing to pay the alleged debt and to cease all forms of communication with me through any and all mediums. I informed Nationstar/Mr. Cooper that I, a CONSUMER, the original creditor was invoking my special remedy according to 15 USC 1692c ( c ) ( 2 ) demanding they XXXX out the balance of the account, grant me my property deed lien free, pay the attached invoice and to delete from all Consumer reports. I instructed them to provide me with the name and address of the alleged creditor, name of the alleged debtor, alleged account number, address of alleged debtor, amount of alleged debt, date the alleged debt became payable, date of original charge of delinquency, was the debt assigned to a debt collector or purchased, amount paid if debt was purchased, commission for debt if collection efforts are successful. 

I instructed Nationstar/Mr. Cooper, an organization, to attach the agreement that granted the collection agency the right to collect the alleged debt, the signed agreement debtor made with debt collector or other verifiable proof of contractual obligation to pay debt collector, any agreement that bears the signature of the debtor agreeing to pay creditor, all statements while account was open, have any insurance claims been made by any creditor regarding the account, have any judgments been obtained by any creditor regarding the account, and the name and address of the bonding agent for the debt collector. 

I informed Nationstar/Mr. Cooper, that they had 30 days to return the form I sent completed along with all requested information, assignments or other transfer agreements, which would establish their right to collect the alleged debt from the date of receipt of my letter. 

I informed Nationstar/Mr. Cooper that their claim could not and would not be considered if any portion of the form was not completed and returned with copies of all requested documents. 

XX/XX/2021 I, a CONSUMER, a NATURAL PERSON sent the letter to Nationstar/Mr. Cooper, an organization, by way of U.S. Postal Service, CERTIFIED MAIL RECEIPT. 

XX/XX/2021 I, a CONSUMER, a NATURAL PERSON checked the USPS website to track the letter sent on XX/XX/2021 and saw that it was delivered XXXX, XXXX to XXXX XXXX TX XXXX I did not receive a CERTIFIED MAIL RECEIPT from Nationstar/Mr. Cooper notating it had been received by an agent of Nationstar/Mr. Cooper. 

Nationstar/Mr. Copper has not complied with the Cease and Desist and has continued to contact me through mail and other means, Violating 15USC 1692c ( c ).

Company response to consumer: Closed with explanation