Consumer complaint received 2020-02-27
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
TH XXXX Consumer Financial Protection Bureau Complaint My name is XXXX XXXX. I am a resident of Pennsylvania. I am the late XXXX XXXX 's son and Financial and Assets Power of Attorney. XXXX XXXX passed away on Friday, XX/XX/XXXX. XXXX XXXX went from her Florida condo to living in a group home to the hospital, twice ; and, to a XXXX XXXX  and XXXX  within 11 months from XX/XX/XXXX to XX/XX/XXXX. 

XXXX XXXX 's Florida condo was possessed by her condo association via a Deed in Lieu of Foreclosure in XX/XX/XXXX due to missing condo fee payments for over a year. 
During the period between XX/XX/XXXX and XX/XX/XXXX, I verbally, and in writing, maintained contact with Seterus, her first mortgage and service company, emphatically advising them to foreclose on the condo immediately as I, and my brothers, do not have any financial, personal, or other interest in the condo. We are not on the condo mortgage and deed. 

Seterus sold the loan internally to Mr. Cooper during said period of time. I restated the same comments to Mr. Cooper as I did to Seterus, verbally and in writing. 

Mr. Cooper sold the mortgage in XX/XX/XXXX to XXXX XXXX XXXX XXXX XXXX and XXXX XXXX   XXXX XXXX, XXXX as a third-party creditor of the loan, with Mr. Cooper being maintained as servicing the mortgage. 

XXXX began contacting me both in writing and by phone calls to advise XXXX XXXX ( actually, me, at my home address ) they hold the mortgage note and are moving to collect on it. 

I contacted XXXX on several occasions during XX/XX/XXXX to advise them by recorded call that XXXX XXXX is deceased and to terminate the mortgage. 
Adding to the mix is that on XX/XX/XXXX, Nationstar d/b/a Mr. Cooper filed a Complaint in Foreclosure against XXXX XXXX, the condo association, family members of XXXX XXXX, including myself, and unbeknownst people to Nationstar d/b/a Mr. Cooper that may or may not have an interest in the condo. 

That Complaint was Voluntarily Dismissed without Prejudice on XX/XX/XXXX. 
Nationstar, d/b/a Mr. Cooper, XXXX and XXXX XXXX  XXXX XXXX, XXXX, all are using my name and information as part of their effort to collect the debt of the late XXXX XXXX. 

Nationstar, d/b/a Mr. Cooper, XXXX and XXXX XXXX XXXX XXXX, XXXX, all are using my name and information in such manner as to affect my credit and credit score, and with certainty other important aspects of my personal and professional life, even though I do not have personal and financial interest in XXXX XXXX 's condo and mortgage. 

Nationstar, d/b/a Mr. Cooper, XXXX and XXXX XXXX  XXXX XXXX, XXXX, all are using my name and information to move forward with the mortgage that even while the mortgage is not being paid by the late XXXX XXXX and me, the holding of the mortgage will eventually lead to another Complaint in Foreclosure at any given point in time by Nationstar, d/b/a Mr. Cooper, XXXX and XXXX XXXX   XXXX XXXX, XXXX, that will affect my credit and credit score, and with certainty other important aspects of my personal and professional life. 

And, finally, Nationstar, d/b/a Mr. Cooper, XXXX and XXXX XXXX  XXXX XXXX, XXXX, may eventually resell the mortgage to another party at any given time, thus creating another repetition of the cycle as described above. 

On or about XX/XX/XXXX, Nationstar, d/b/a Mr. Cooper, by and through XXXX, XXXX XXXX   XXXX, XXXX, their attorney, filed a Verified Amended Complaint in Foreclosure against XXXX XXXX, alleging, et alia, that XXXX XXXX may claim and maintains an interest in both the mortgage and condominium, even though XXXX XXXX copied Nationstar, d/b/a Mr. Cooper, by and through XXXX, XXXX and XXXX, XXXX, their attorney, in a letter to XXXX XXXX XXXX , XXXX, dated XX/XX/XXXX, clearly and emphatically stating he never did and does not have a financial, personal and any other interest in both the mortgage and condominium ; and, that should said companies have any questions, comments, and/or concerns about both the mortgage and condominium to contact XXXX XXXX, Executor of the Estate of XXXX XXXX. 

This Complaint is against Nationstar, d/b/a Mr. Cooper, as the said company by and through XXXX, XXXX XXXX XXXX, XXXX, their attorney, are making false allegations based on documents already in their possession that state the contrary of the litigation. XXXX XXXX, was never a party to the original transaction and subsequent transactions, including XXXX XXXX bankruptcy proceedings ; and, any related transactions concerning the mortgage and condominium up to XXXX XXXX incapacitation on or about XX/XX/XXXX when he then became XXXX XXXX Financial and Assets Power of Attorney from said date to XXXX XXXX death on XX/XX/XXXX. 

This Complaint is against Nationstar, d/b/a Mr. Cooper, as the said company is the second mortgage lender and mortgage servicer to XXXX XXXX mortgage when the mortgage passed from Seterus to Mr. Cooper during XXXX. Seterus is wholly owned by Nationstar as is Mr. Cooper. The Mr. Cooper Loan Number is XXXX. 

This Complaint is against Nationstar, d/b/a Mr. Cooper, as the said company by and through XXXX, XXXX XXXX  XXXX, XXXX, their attorney, refuses to acknowledge that XXXX XXXX does not have an interest in both the mortgage and condominium ; and, litigation arising from the mortgage default and condominium fee default. Said company, and their attorneys, also refuse to pursue the litigation by serving XXXX XXXX, Executor of the Estate of XXXX XXXX, to determine his interest in both the mortgage and condominium ; and, litigation arising from the mortgage default and condominium fee default, even though XXXX XXXX provided said company, by and through XXXX, XXXX XXXX XXXX, XXXX, their attorney, sufficient documentation that clearly and specifically claims XXXX XXXX, Executor of the Estate of XXXX XXXX. 

This must stop, now. 

Thank you. 

/s/ XXXX XXXX

Company response to consumer: Closed with explanation