Consumer complaint received 2023-11-05
Company: Mr. Cooper Group Inc.
State: LA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
Nationstar Mortgage LLC ( Nationstar ) is a service provider that engaged in unfair, deceptive, or abusive act or practice causing unlawful foreclosure on family property. 

Nationstar caused substantial harm through the loan it serviced. Nationstar violated multiple federal consumer financial laws such as 12 U.S. Code 5536 ( a ) ( 1 ) ( B ) that states, It shall be unlawful for any covered person or service provider to engage in any unfair, deceptive, or abusive act or practice ;. Nationstars deception damaged my mother the consumer mortgagor who transitioned XX/XX/XXXX and myself one of the rightful Heirs to the XXXX XXXX. 

Nationstar received and deposited monthly loan payment funds and then deceptively returned the loan payment funds to unlawfully enforce foreclosure by EXECUTORY PROCESS on our family property. 
Several attempts by the consumer mortgagor and the XXXX XXXX to have the accounting errors corrected, were repeatedly ignored and deceptively evaded by Nationstar Mortgage LLC. 

During ongoing attempts to communicate and correct or modify the loan payment, Nationstar sends a mortgage contract statement reading Total {$4200.00} due.You must pay this amount to bring your loan current. 
On XX/XX/XXXX Nationstar received the full amount of funds they requested to bring the loan current through XXXX XXXX Bank check # XXXX in the amount of {$4200.00} and this check was deposited into Nationstars Wells Fargo bank account. 

XX/XX/XXXX, ( XXXX ) days after contractual acceptance and deposit of the funds through check # XXXX, a letter was written by Nationstar stating We are returning these funds to you per your request or a request made on your behalf. 

Nationstar was deceptive because the XXXX XXXX DID NOT request loan payments to be returned on a loan they were paying off. Nationstar acted deceptively when they NEVER disclosed or showed proof of the alleged person or entity that requested the funds, or payment to be returned. Nationstar could not return the consumer mortgagors original check from XXXX XXXX  because it was deposited into their XXXX XXXX bank account, so they deceptively issued the Unauthorized Return of mortgage payment funds on their Nationstar company check from XXXX XXXX XXXX. 

XX/XX/XXXX is the new written due date on Nationstars monthly mortgage statement contract saying you must pay a total of {$5500.00} to bring your loan current.. This amount includes the funds of {$4200.00} that were deposited and deceptively returned. 
In the same month that Nationstar deposited and deceptively returned the payment funds of {$4200.00}, Nationstar received and stamped a cashiers check from the XXXX XXXX on XX/XX/XXXX in the amount of {$5500.00} to bring the loan current as stated in their XX/XX/XXXX mortgage statement contract. 

On XX/XX/XXXX, Nationstar Mortgage LLC stated in a letter, We are returning these funds as they are insufficient to bring your account current and the cashiers check for loan payment funds of {$5500.00} was returned. 
So, while the XXXX XXXX was actively trying to correct XXXX escrow accounting errors such as over-payments that were made, but, not being applied to the loan, and approval of loan modification process, Nationstar conspired to foreclose on family property. 

On XX/XX/XXXX foreclosure by EXECUTORY PROCESS was filed with XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 107 days after Nationstar deceptively returned the deposited monthly loan payment funds to initiate an unlawful foreclosure alleging non payment as the reason. 

XX/XX/XXXX after unauthorized return of loan payment funds and several failed attempts to talk with someone inside Nationstar to correct the escrow accounting errors and to cease the unlawful enforcement of foreclosure by EXECUTORY PROCESS, the family property was sold without DUE PROCESS at XXXX XXXX XXXX XXXX. 

XXXX XXXX must be filed in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX within ( XXXX ) days of Nationstar Mortgage LLC XXXX this Consumer Financial Protection Bureau XXXX XXXX XXXX XX/XX/XXXX. * Thank You for your time and concern in this ongoing matter.

Company response to consumer: Closed with explanation