Consumer complaint received 2021-09-16
Company: Mr. Cooper Group Inc.
State: NC
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I'm a XXXX XXXX XXXX veteran. I have been fighting foreclosure since XXXX. Nationstar/Mr. Cooper continues to refuse to acknowledge my complaint because I was represented by an attorney that is now deceased. I sent Nationstar/Mr. Cooper and North Carolina Bar an obituary notice to confirm the death of my attorney, XXXX XXXX. They still refuse to talk to me, however, the last mortgage notice I received from them indicates I have to pay {$77000.00} as of XX/XX/XXXX. I originally refinanced {$80000.00} in XXXX with XXXX XXXX. XXXX XXXX transferred my mortgage documents to XXXX XXXX. XXXX XXXX negotiated my mortgage documents to XXXX XXXX for a derivative. XXXX XXXX did not follow the securitization rules and did not transfer my Deed of Trust to XXXX XXXX until 8 years after the fact. 

In XXXX, XX/XX/XXXX I checked in to the XXXX XXXX in XXXX XXXX, TN. I was released, free of XXXX XX/XX/XXXX. When I returned to my home it had been " stripped '' and I was notified XXXX XXXX XXXX was foreclosing. I responded by demanding a jury trial and filed an insurance claim against the forced-placed insurance with the bank. An insurance adjuster determined there was {$20000.00} in damages to my home. XXXX XXXX mailed a check to XXXX XXXX XXXX in the amount of {$9800.00} and change. XXXX XXXX XXXX refused to release any of the funds and insisted I hire a contractor. If the funds had been released I could have stopped the foreclosure and repaired the damage to my home. Due to XXXX 's refusal to release any of the insurance payout the foreclosure continued. The lawyers representing XXXX  utilized unconstitutional statutes and forgery ( robosigner ) to obtain an erroneous judgment. That judgement was reversed and remanded by the NC Court of Appeals. In an opinion titled- In Re Garvey, 772 S.E. 2nd 747, 748. ( N.C.Ct App. 2015 ). The following year the lawyers representing BoA utilizing the same unconstitutional statutes and another judge to obtain an erroneous second judgement. While I was in the NC Court of Appeals for the second time the lawyers notified me of a foreclosure sale. So I filed bankruptcy to protect the property. To no avail. In XXXX of XXXX, the lawyers sold the property on the Courthouse steps for {$57.00}. Please see Exhibit A. Note the red arrow pointing to {$57000.00}. Go to Exhibit B and notice that under PRINCIPLE RECONCILIATION applied balance debtor paid {$2200.00}. See arrow. Under INTEREST RECONCILIATION interest paid the debtor paid {$3000.00}. 

Go to Exhibit C. Under PRINCIPLE RECONCILIATION the applied balance indicates {$180.00} was paid. See arrow. Under INTEREST RECONCILIATION for XXXX interest paid was {$160.00}. See arrow. 

Pursuant to Exhibit D debtor paid {$8300.00} through the bankruptcy trustee to the mortgage company. See arrow. 

Under Exhibit E Nationstar/Mr. Cooper is now demanding {$77000.00} to reinstate the mortgage. 

In summary and conclusion. In light of the fact the indebtedness was {$57000.00} in XXXX of XXXX. Taking into consideration Exhibit D from the bankruptcy court the payment of {$8300.00} does not equal {$77000.00}. It appears Nationstar/Mr. Cooper is utilizing unfair and fraudulent debt collection practices to extort {$20000.00} in unjustified funds to reinstate the mortgage. 

Debtor respectfully asks that Nationstar/Mr. Cooper reconsider reinstating the mortgage for a correct principle balance and {$15000.00} available for payment to Nationstar/Mr. Cooper

Company response to consumer: Closed with explanation