Consumer complaint received 2021-02-04
Company: Mr. Cooper Group Inc.
State: NC
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Shortly after acquiring our mortgage account in XX/XX/2019, NationStar/Mr. Cooper started calling me via telephone and having their representatives visit our home regarding our mortgage account prior to XXXX and after XXXX on any given day Sunday through Saturday. For several months, I repeatedly asked NationStar/Mr. Cooper to stop the telephone calls and home visits. Around XX/XX/2019, NationStar/Mr. Cooper stopped calling me, but the home visits from their representatives continued, and they stopped providing us monthly mortgage statements. Around the same time, NationStar/Mr. Cooper continued their attempts to collect debt not owed through their representatives, they began negatively reporting mortgage information and mortgage payments, they began making false statements and false representations in attempts to collect wrong mortgage payments, they increased our mortgage monthly payments, they began sharing improper information regarding our mortgage account, they threatened to contact local court officials in our state to share information with them that would force us into an unagreed upon settlement agreement ; wherein, we ( and all our heirs ) would be prohibited now and forever from filing claims and making complaints against NationStar/Mr. Cooper and any other names under which they " do business as '' to any state/federal agencies or otherwise ; thereby, disclosing what has and is happening to us. They have also threatened to initiate foreclosure proceedings, to seize our property, and personally sue us in further attempts to collect un-owed debt they have created as debt through their inappropriate and unlawful loan servicing practices and to further damage us through negative credit reporting unless we pay the ever-increasing debt they request to be paid. To support their efforts in the aforementioned, NationStar/Mr. Cooper has utilized a check one-time payment for multiple unauthorized electronic payment processing ( ACH check payment, electronic payment, and autopay charge ) within the same month with created a overdraft of our bank account by several thousands of dollars ; at which time NationStar/Mr. Cooper placed a " dishonored check fee '' and insufficient fees/charges on our mortgage account. A payment intended for one month was unauthorizedly processed multiple times. NationStar/Mr. Cooper deliberately provides multiple incorrect mailing addresses for sending monthly mortgage payments and when mortgage payments are mailed, NationStar/Mr. Cooper is deliberately holding payments days/weeks after receipt ; all for the purpose of delaying payment credits to our mortgage account so that late fees, and other charges can be charged to our mortgage account. Those fees and charges accrue interests daily and accrue compounded interest every 30 days. The loan servicing practices of NationStar/Mr. Cooper has and continues to create debt that would otherwise not exist. To date, NationStar/Mr. Cooper is requesting approximately {$10000.00} in un-owed debt.

Company response to consumer: Closed with explanation