Consumer complaint received 2019-04-23
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Hello, my name is XXXX XXXX and I am writing you today to try and explain the unbelievable and outrageous circumstances, for which I have no control and I have been subjected to, in dealing with several of these large Mortgage Companies. When I try to ask what the XXXX is going on with my loan, they keep switching my loan numbers, selling the Mortgage to different people and increasing the amounts by the Thousands every time! 
On XX/XX/XXXX, I purchased and currently own the home at XXXX XXXX XXXX in XXXX XXXX Florida, XXXX. My original Mortgage with XXXX XXXX XXXX, loan # XXXX, was signed and closed on that day. Shortly thereafter, I received another mortgage paper saying that I now owe {$67000.00} and was never signed by me but it was Notarized on XX/XX/XXXX and I was sent a copy. This paper makes no mention of the original loan number but instead refers to the loan as instrument # XXXX. 
XX/XX/XXXX, XXXX XXXX XXXX buys my Loan fro. XXXX XXXX XXXX and I am given paperwork telling me that I now am dealing with XXXX XXXX XXXX. 
After an examination of my loan Amortization papers that I had received from XXXX XXXX XXXX, I discovered I was in payment number 115 of a 180 installment loan at the time XXXX  XXXX XXXX acquired my loan from XXXX. I have been unsuccessful in my attempts to convince the lenders they have made errors on my loan! The biggest is being that it was a 15-year note, NOT a 30-year note! When I complained to XXXX XXXX XXXX, they sold my loan to Nationstar Mortgage on XX/XX/XXXX. When I complained to Nationstar Mortgage, they sold my loan to XXXX XXXX on XXXX XXXX. When I complained to XXXX XXXX, they sold my loan to XXXX XXXX XXXX XXXX, who is now my current home loan provider. 
Upon request on XX/XX/XXXX, my payment history records were sent to me from XXXX. It was my payment history since XX/XX/XXXX and everything looked like it was valid until I realized that we hadnt even closed on the house until XX/XX/XXXX! My original payment for the 15-year note which included escrow payments for homeowners insurance and property taxes was {$490.00} / month. I had trouble getting homeowners insurance due to the cast iron pipes that are under the slab in the home and was forced to buy homeowners insurance through XXXX  XXXX XXXX which increase my loan amount to {$610.00} a month. 
XXXX  provided me with statements of payments made from XX/XX/XXXX to XX/XX/XXXX. I was told they could not find any records for my Loan from XX/XX/XXXX to XX/XX/XXXX. What happened to those records? The payoff amount indicated at that time was {$51000.00}. XXXX also changed the loan to # XXXX. To make matters even more complicated, the Loan # on the payment history statements I received was now # XXXX? I received in the mail a payoff demand statement from XXXX XXXX XXXX on XX/XX/XXXX saying that XXXX had purchased the loan for {$51000.00}. 
Apparently, some thing happened between XX/XX/XXXX and XX/XX/XXXX because my principal balance jumped to {$98000.00} supposedly recorded on XX/XX/XXXX. They have called it an instrument # XXXX. I never signed a refinance agreement and to this day no bank or mortgage company can provide any documentation to me as to why my loan was added approximately another {$44000.00} to it! I have bank records that indicate I was paying XXXX XXXX XXXX until XX/XX/XXXX and that all my payments were current and up-to-date. I had even paid double payments on some months. Another thing, somehow my payments jumped from {$610.00} per month to XXXX a month! 
When I complain, XXXX XXXX XXXX sells my mortgage to Nationstar Mortgage on XX/XX/XXXX and I am sent a letter telling me to direct my payments to Nationstar Mortgage, who also by the way, change my loan # to XXXX! 
Again, when I try to get things sorted out, Nationstar sells my Mortgage to XXXX XXXX on XXXX XXXX and, by the way, changes my account number to # XXXX. 
All the while trying to resolve this whole mess with Nationstar Mortgage, these XXXX stop answering our phone calls and I have to hire a lawyer at this point. Nationstar Mortgage and XXXX mortgage have refused to deal with me on this matter and literally forced me into bankruptcy in order to save the home. Now whats the new balance? Almost {$120000.00} and of course a new loan number because XXXX XXXX sold the mortgage to XXXX XXXX XXXX XXXX. The new Loan number is now # XXXX. I have included copies of the original mortgage I signed with XXXX and the loan modification agreement I signed under duress with Nationstar, in order to save my home from foreclosure. 
I would appreciate any help you can provide in this matter. I can be reached by this email or by phone at XXXX.

Company response to consumer: Closed with explanation