Consumer complaint received 2020-02-28
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
WHEN THE LAW BREAKS THE LAW, WHAT DO YOU DO? WHO DO YOU TURN TO? 
It is almost impossible to write a short synopsis of the struggles of the past 10 years as I have volumes of documents in chronological order. 
XXXX : I was diagnosed with XXXX XXXX XXXX XXXX and XXXX. 

My mortgage was with XXXX XXXX which I faithfully paid the first year, all my savings. While very sick, I called daily to get help with modification. The Co. claimed paperwork was lost resulting in my being a victim of the " HUSTLE MORTGAGE PROGRAM ''. ( Mass Mortgages were sold to other Servicers causing delays in modifications as well as proper recording with the county until XXXX. ) XXXX : Senator XXXX expedited my XXXX. 

XXXX : Applied to XXXX XXXX XXXX XXXX XXXX and Mortgage Co. refused negotiation. 

XXXX : Served with Foreclosure papers, Legal Aid assigned me Loan Lawyers as Pro Bono Attorney. First : my Attorney failed to file required XXXX  paperwork within the required time frame. On initial LL contact with ( XXXX ) the Servicer, their reply to LL was a blatant refusal for information, ( breaking the Federal Law, The Truth in Lending Act ) leading to a Federal lawsuit ( Truth in Lending Act ). We won this case. During my XXXX XXXX, LL Attorney called to tell me I was late for a mediation between LL, XXXX XXXX XXXX and XXXX XXXX. I WAS NEVER NOTIFIED of this meeting. LL Attorney offered modifications based on incorrect income information from UNKNOWN sources, resulting in an amount that was much higher than my XXXX  Income. This LIE risked my benefits, XXXX XXXX and medical care, resulting in an UNETHICAL VIOLATION and FRAUD upon the Court per XXXX XXXX XXXX XXXX. 

XXXX : Mortgage Co. could not prove they had True Title to my home so they dismissed the case voluntarily. In a XXXX Suit : XXXX XXXX vs XXXX XXXX XXXX, my name was incorrect, as my name is XXXX XXXX XXXX. XXXX XXXX XXXX does exist in South Florida but is not a relative or known to me. Numerous documents in that name were submitted to the Court with no connection to me. Then it appears that XXXX XXXX, signor as  Assistant Vice President of XXXX XXXX DOES NOT EXIST. XXXX XXXX Mortgage did not record the deed for four years and the mortgage had been sold countless times. 

XXXX : More filings by XXXX XXXX costs and Attorney fees. Through many emails and phone calls I was told by my LL paralegal that I COULD NOT talk to my Attorney until two weeks prior to Court date. 

XXXX : There were many Court dates set and many postponements resulting in a Court date of XX/XX/XXXX, with members of the Press and others scheduled to come. 



Continued : XX/XX/XXXX, MONDAY : I received a phone call late afternoon, that there had been a meeting between LL Attorney, XXXX XXXX Attorney and Judge XXXX who instructed the Attorneys to " work it out ''. I tried to reach my Attorney through email and phone calls for one week. Frustrated, I appeared in person with two witnesses, XXXX  XXXX and XXXX XXXX to meet. He told me that they were still negotiating and wanted to know my parameters. In accordance with Florida Law I can only be worth {$2000.00} to keep my benefits, long term waiver, XXXX  and XXXX. 
LL Modification Specialist contacted me with the SUPPOSED NEGOTIATED AMOUNT of {$2100.00} and then it was changed to {$2100.00}. There was actually, NO NEGOTIATION ON MY BEHALF, putting my benefits, XXXX  XXXX  waiver, XXXX and XXXX  at RISK. My LL Attorney recommended me to bring in a roommate off the street to share the Modification Cost. To have this amount of money in my account is a direct violation of my Social Security Extra Help Laws ( Copays for Medication ) and Long Term Waiver which precludes me from having more than {$2000.00} at any given moment. 

Twice I had to forgo Section 8 Housing Voucher as my house was still in my name. 
Finally, I received a letter of XXXX XXXX from my LL Attorney and I assumed when documents were signed that was the final figures.

I received a letter via my LL Attorney that there had to be more dollars added to the Modification regarding my property and windstorm insurance. Seterus has been paying this all these years and my XXXX XXXX XXXX has confirmed that. 

As I shared with you in our conversation today, there are countless errors and irregularities to include flagrant discrimination in this entire fiasco. My health has declined tremendously and I graciously appreciate your assistance in this horrible overwhelming situation as I am completely out of resources and at risk of losing my aforementioned benefits. 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation