Consumer complaint received 2021-07-28
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
1. My XX/XX/2021 mortgage statement from Mr. Cooper ( a.k.a. Nationstar Mortgage ) said I owed {$92.00} by XX/XX/2021 so I sent a check for {$92.00} with the payment stub to their address on the payment stub in City of Industry CA and they cashed my check on XX/XX/2021. 

2. On XX/XX/2021, I received a high-pressure call from this guy XXXX XXXX at Mr. Cooper demanding that I pay more money for fees that I do not actually owe. I told XXXX that he could send me something in writing that states what the fees I allegedly owe are, but that I am not going to randomly succumb to his high-pressure tactics to try to get me to pay random amounts of money immediately since literally, my {$92.00} had already been cashed and it was not even due until XX/XX/2021. 

3. XXXX emails me a totally unsolicited payoff quote with completely fake math that literally makes no sense whatsoever because not only were they trying to make me pay for the items that they literally had already cashed my check for, but their line items for these alleged fees that I owe were for : {$91.00} ( remaining principal that they already had in their possession because they had cashed my check the previous day ) {$0.00} ( recalculated interest on the remaining principal and they already had this in their possession as well since the check they cashed the previous day included {$0.00} for interest since the check was not actually due until XX/XX/2021 and this {$0.00} was for a shorter time since this fake payoff quote was " valid '' until XX/XX/XXXX, so the time was shorter compared to XX/XX/XXXX ) {$30.00} ( payoff quote preparation fee, which is the statutory maximum for a payoff quote fee in Californiahilarious since I did not request a payoff quote and they had literally already cashed my check for the entire remaining balance from the XX/XX/2021 statement ) {$180.00} ( county recording feemy property is located in XXXX XXXX county and I did not actually look up the county recording fee for XXXX XXXX county, but I am willing to bet this is totally wrong as well ) {$20.00} ( reconveyance preparation fee ) and the most hilarious part was that the " grand total '' they said I owed was {$220.00} for the above line items. I am not aware of any kind arithmetic ( aside from fake-Trump-math??? ) that causes the above values to come out to ( a ) a number that ends in XXXX cents ; and ( b ) a number that is LESS than the actual value of XXXX + XXXX + XXXX + XXXX + XXXX, which according to the type of arithmetic I learned in first grade actually adds up to {$320.00}. 

4. On XX/XX/2021 I received in the mail a check dated XX/XX/2021 from Mr. Cooper 's XXXX account for {$92.00}. I am not stupid and I did not cash this check because obviously they are trying to trick me into accepting a " refund '' of the {$92.00} so they can then claim I did not make my very last mortgage payment that is not technically due until XX/XX/2021 and that they have ALREADY cashed my check for back on XX/XX/2021, so they can probably try to start some kind of foreclosure proceedings or at least try to extract some kind of " late '' fee. 

Mr. Cooper/Nationstar is VERY SHADY and these illegal shenanigans are already known to the state of California because I found these consent orders against Nationstar : https : //dfpi.ca.gov/enf-n/nationstar-mortgage-llc/ Also, I already reported this attempted fraud to the FBI and state of CA dept. of financial protection and innovation ( see https : //dfpi.ca.gov/file-a-complaint/ ), however, I am kind of worried they will try to use some kind of loophole or fake high-pressure tactic to illegally scam me out of money I do not owe in order to " save '' myself from going into foreclosure or whatever and since XX/XX/2021 is right around the corner, I am not sure what to do to protect myself from this scam since I literally have paid off the entire balance.

Company response to consumer: Closed with explanation