Consumer complaint received 2020-01-14
Company: Mr. Cooper Group Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Mr. Cooper XXXX. XXXX XXXX XXXX, TX XXXX XXXX : Customer Service Specialist XXXX XXXX Dear Nationstar Mortgage, LLC d/b/a Mr. Cooper Correspondence from you dated XX/XX/XXXX states that XXXX XXXX  owns the note but the subject note is not part of a securitization trust. Please explain this statement. XXXX XXXX does not loan money to individuals and if XXXX XXXX   owns the note, it would be because the note was securitized in a remic trust. So, I respectfully ask you to elaborate on your statement. Please provide proof that XXXX XXXX owns the note. What records are in your possession to prove XXXX  XXXX owns the note? What records are being referred to? 
You also stated that the collateral file with the wet ink signature is in the possession of Mr. Cooper as of XX/XX/XXXX. This is a direct discrepancy with court records filed with the court, as Mr. Cooper filed a note claiming it to be the original wet ink signature in XXXX. Furthermore the endorsements on the note are facsimile endorsements by unauthorized parties signing as " attorney in fact '' with no power of attorney to sign for the company. 
You stated that MERS assignment by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is a valid assignment. It is not and never will be valid. The assignor, and the recorder and the preparer are all from different states, are different companies and the assignment was post dated and not filed until a year later. You also state that the loan originated with MERS. MERS DOE NOT, NEVER HAS AND NEVER will originate loans, as MERS does not loan money and has ZERO employees. 
The letter goes on to state that MERS issued the assignment to Nationstar Mortgage, LLC. MERS  can not issue an assignment to anyone, nor can MERS transfer interest to anyone. MERS can not accept payment for a mortgage, therefore, there is no value paid. Nationstar employee, XXXX XXXX assigned the mortgage from MERS to Nationstar. This is fraud, as the assignor and the assignee can not be the same party in a mortgage assignment. 
You further state that Nationstar Mortgage d/b/a Mr. Cooper has the right to enforce the note because you state the mortgage follows the note. The right to enforce the note is completely different than the right to enforce the mortgage. To enforce the mortgage, you must show payment for the loan. Please provide proof of payment for the loan. 
Stealing someone's home with falsified and forged documents is a crime. Your employee XXXX XXXX signs documents as the vice president of Mortgage Electronic Registration Systems , Inc and as assistant secretary of the same. XXXX XXXX signs documents as the assistant secretary of XXXX XXXX  XXXX. She also signs as assistant secretary for Nationstar Mortgage, LLC. You also have XXXX XXXX signing as vice president of Mortgage Electronic Registration Systems , Inc. Both of these women are also notarizing documents for Nationstar Mortgage, LLC d/b/a Mr. Cooper. This is fraud. Unless you can provide power of attorney from all of those companies giving these women the authority to sign documents on their behalf with an unauthorized and false title. 
Payment history does not prove ownership of a loan. Provide proof of who owns the loan. The previous answer you gave " Some information you have requested does not pertain directly to the servicing of the loan such as proof of owner and custodian, does not identify any specific servicing errors, and/or is considered proprietary and confidential. Therefore, this information is considered outside the scope of information that must be provided. ", is UNACCEPTABLE. The right to service a loan for the owner of the loan, is different than forcing the sale of someone's home for unjust enrichment. Nationstar does not own the note or the mortgage and has admitted they do not own the loan, never gave value for the loan and never loaned anything to XXXX or XXXX XXXX. A servicer 's job is to collect payments for the owner of the loan. To enforce the mortgage, payment for the loan must be proven. 
Furthermore, the last complaint filed with the CFPB on XX/XX/XXXX was responded to by Nationstar Mortgage, LLC doing d/b/a Mr. Cooper with an " Original Document File Review Checklist '' and I would like to draw your attention to the Mortgage/deed of trust section on the document where it specifically states that the chain of assignments are not complete and there is a missing assignment from MERS to XXXX. This is dated XX/XX/XXXX, with the signature of XXXX. So, you are contradicting yourself when you claim the chain of title is complete. This is an incomplete chain of title. Who is XXXX? 
Furthermore, Nationstar 's own annual report shows Investor XXXX as XXXX XXXX and the trust is XXXX XXXX which is the trust I have been told my mortgage is linked to but I find this odd since the investor and seller were allegedly XXXX XXXX and XXXX XXXX. 
I look forward to your response.

Company response to consumer: Closed with explanation