Consumer complaint received 2019-04-18
Company: Mr. Cooper Group Inc.
State: WY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My Mortgage Servicer, Mr. Cooper/Nationstar, and I have been in negotiations, working toward a Pay-Off Settlement. We had agreed that they would accept a single payment to settle my mortgage. The due date was XXXX. Because the pay-off settlement acceptance letter had been in the form of an email only, my private investor required that Mr. Cooper provide a hard copy of this letter, which would be sent through the postal service with a dated postmark. This was to confirm the validity of this acceptance letter. Mr. Cooper did comply with sending the hard copy of the letter. However, it did not arrive until XXXX, and did not possess a dated postmark. I immediately asked for an extension of the Pay-Off Settlement. In addition, I offered to pay any fees or interest which may have accrued between XXXX and the new Pay-Off Settlement date. Mr. Cooper has not yet granted this extension. 

On XXXX, unbeknownst to me, NATIONSTAR MORTGAGE LLC, became the Assignee/Owner of my mortgage, and remained the Assignee/Owner until XXXX. During this time, while I conversed with Mr. Cooper/Nationstar associates, many of them informed me that the owner of my mortgage was instead : XXXX XXXX XXXX XXXX, As Trustee XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Md XXXX XXXX. 
I also have written documentation in which Mr. Cooper/Nationstar informed me that the owner of my mortgage was XXXX XXXX XXXX XXXX, As Trustee. When in fact, Nationstar Mortgage LLC was the documented Assignee/Owner during that time period. 

On XXXX I spoke with a Nationstar employee, XXXX XXXX. She informed me that Nationstar was the first lien holder of my mortgage. She added that XXXX was the current investor. I then contacted Nationstar Customer Relations to request documentation of these changes. I received written correspondence, dated XXXX, from Nationstar Customer Relations stating that instead, the current owner was : XXXX XXXX XXXX XXXX, As Trustee XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Md XXXX XXXX There is a signed and notarized document which has been recorded at my local courthouse which documents that Nationstar was indeed the owner of my mortgage between the dates of XXXX and XXXX. Although I have many documented letters from XXXX XXXX, in which they have stated that the owner was : XXXX XXXX XXXX XXXX, As Trustee XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Md XXXX XXXX at that time. 

On XXXX, Nationstar reportedly placed my mortgage back into to the trust : XXXX XXXX XXXX , XXXX XXXX, AS TRUSTEE FOR XXXX XXXX XXXX ALTERNATIVE LOAN TRUST XXXX MORTGAGE PASS-THROUGH CERTIFICATES, SERIES XXXX at XXXX XXXX XXXX XXXX, XXXX, TX XXXX. I find it interesting that though my mortgage has reportedly been placed back into the same TRUST as prior to XXXX, the address has now changed from the state of Maryland to Texas. 
Interestingly, Nationstar Mortgage LLC 's address is also in XXXX, Texas. 

I am disputing that Mr. Cooper/Nationstar/XXXX XXXX has the right to foreclose, due to the fact that I have not seen proof that my mortgage was ever in the trust they claim it has been in and is currently in. When my loan originated on XXXX, the cut-off date for my mortgage to be added to the Pooling and Servicing Agreement Trust, was XXXX. However, the Assignment of Mortgage ( my personal mortgage ) was executed on XX/XX/XXXX, in the state of Texas, by XXXX XXXX, who was an Officer of XXXX XXXX XXXX, N.A. This document was delivered and assigned to XXXX XXXX XXXX XXXX as trustee for the holders of XXXX XXXX XXXX Alternative Loan Trust XXXX XXXX Mortgage Pass-Through Certificates, Series 2006 05 ( 'Assignee ' ) This Assignment was notarized, but was NEVER recorded at my local Courthouse. I do not believe my mortgage made it into this Alternative Loan Trust, due to the fact that it did not meet the cut-off date. The U.S. Securities and Exchange Commission has strict rules and regulations regarding deadlines. 

There is a second Assignment of my Mortgage which was executed on XX/XX/XXXX, in the state of New York, and signed by XXXX XXXX, who was a Vice President of XXXX XXXX XXXX, XXXX. A simple XXXX search reveals that XXXX XXXX is an alleged Robo Signer. This document was also transferred and assigned to XXXX XXXX XXXX XXXX as Trustee for the Certificate-Holders of XXXX XXXX XXXX Alternative Loan trust XXXX. This document was also notarized and was recorded in the Official Records in the County Recorder 's Office. This Assignment appears to be somewhat more legitimate, in that it is recorded. However, it misses the required cut-off date by 4 years. Why were there two assignments, dated 4 years apart, only to be assigned to the same Trust? The main difference I can see in the two assignments is that the first assignment uses the name " Bank '' and the second assignment uses the name " Banc ''. 

After my loan originated with XXXX XXXX XXXX, on XXXX, XXXX sold the note to XXXX XXXX XXXX XXXX, as trustee for the holders of the XXXX XXXX XXXX Alternative Loan Trust XXXX Mortgage Pass-Through Certificates, XXXX XXXX. The Note was stamped and signed by XXXX XXXX XXXX, who was an assistant Vice President of XXXX XXXX XXXX XXXX. Ironically, Ms. XXXX is also an alleged Robo Signer. There is no date of when this transaction took place. It was neither notarized nor dated. 

The trail of my mortgage over the previous 13 years has taken a winding and deceptive path. After years of research, untold hours of phone conversations with XXXX XXXX XXXX, XXXX XXXX XXXX, Nationstar, and Mr. Cooper associates, the pieces of the puzzle are beginning to fit together. 

I am asking that Mr. Cooper/Nationstar/XXXX XXXX halt any foreclosure proceedings, and honor their commitment to the Pay-Off Settlement, to allow me the opportunity to finally once and for all settle my mortgage for the amount we agreed upon for XXXX. My family and I are more than ready for this 13 year, terror-filled roller coaster ride to come to a halt and to live in peace in our home.

Company response to consumer: Closed with explanation