Consumer complaint received 2022-08-03
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Mortgage Complaint Forclosure Sale Date Set for XX/XX/XXXX This is a Request for Enforcement action on Mr Cooper LLC, Mortgage Loan Co in TX. 

Dual-Tracking - Mr Cooper Continues to have an Active  XXXX XXXX , ongoing and publicly announced Trustee Forclosure Sale date Before During and After my completed modification application was received. The sales date continues to be active according to the Trustee and public notices during and after Mr Cooper approved me for Modification. During trial payment times as well as my current pending Appeal to the modification offer. ( The Modifacation offer self expired after 14 days of the date of the offer without it being recevd by me with time to respond within 14 days. ) Cooper likely did not mail it on the date the offer was written-thus using up my days required to respond ). The CFPB examiners found servicer that sent notices of intent to foreclose to borrowers already approved for trial modifications were in violation. The CFPB found this type of dual-tracking could mislead consumers/borrowers to believe the servicer ( Mr Cooper ), had abandoned the trial modification. Because of Mr Cooper system error, I received notices to me ( From Cooper Trustee ), while I am in good standing pending loan modification proceedings saying that foreclosure would be imminent. My Appeal is also pending..

As of today, I have an active and pending appeal without any response from Mr Cooper. In a letter from Cooper dated XX/XX/XXXX, Cooper confirmed receiving my appeal dated XXXX XXXX XXXX XXXX XXXX, by FAX. ( Also USPS tracking- XXXX shows it was also delivered XXXX XXXX. The Cooper letter told me I will get a response on my appeal before XXXX XXXX- I did not. I have no response to the pending appeal from Cooper and no new re-offer do to the mod offer self expiring. YET I HAVE AN ACTIVE FORECLOSURE SALE DATE ON XXXX XXXX XXXX, - This is the Definition of Dual-Tracking. When you ask Cooper - They will tell you the sale is on HOLD but this is not true. The Trustee representing Cooper tells me in writing and on the phone the sale date is active. They also make a public announcement of this active sale date of XXXX XXXX  This is disingenuous on the part of Mr Cooper. And lead to confusing and conflicting information. Who will enter into trail payments. Anyway if a pending Forclosure sale date is still active. The current foreclosure sale date of XXXX XXXX XXXX is overlapping with BOTH my pending modification approval and appeal. 

Cooper is Not Answering XX/XX/XXXX, Qualified Written Request signed by an Attorney. My jointly signed 6 page QWR letter has never been answered by Cooper. This Letter was jointly sign by my Attorney friend. ( Take Note : Mr Cooper Staff XXXX XXXX in a XXXX XXXX call - She told me all letters Jointly signed by ME & my Attorney will be responded to directly to me as long as the Attorney never fills out the 3rd party Authorization. Form - He never did ). Our joint signed Letter dated XXXX XXXX was signed by me. In that letter also signed by my Attorney. He tells Cooper in that letter 2 times to respond directly to me since I am signing that letter also. He told them It should be deemed Comming from me. Mr Cooper has in fact respond to ALL XXXX XXXX XXXX Attorneyletters without any problem. These past letters are also jointly signed letters. To be responded directly to me. Why change that agreed protocol is mystery. Mr Cooper has refused to respond to that important pending XXXX XXXX Attorney Letter letter signed by me. We need the answer from Cooper for historic legal continuity. My Attorney also told them in that XXXX XXXX Letter he does not represent me on any Loan Modifacation or Collection matter with Cooper. He will only will represent me in a future Post Forclosure case to recover full market value of my home should it be sold in Error under the California Dual-Tracking Home Owner Bill Of Rights law. ( Supported by Federal law also. ) State law requires WE notice Mr Cooper to self correct before we are allowed to recover damages in court for the sale. Cooper would have to sell my home in that Dual-Tracking active sale date during the modification process including appeals & other loss mitigation options. I also sent this same XXXX XXXX, letter to Cooper under my cover letter with only my signature and not the Attorneys signature-still no response from Cooper. ( This letter dated XXXX XXXX-delivered XXXX XXXX USPS - XXXX XXXX ). NO RESPONSE FROM COOPER YET. Cooper is insisting the attorney represent me. This is in violation of how hey have always handled this type of letter from BOTH Me Attorney before.

This is a partial list ++. I have attached a 5 page letter with all pending matters Thank You

Company response to consumer: Closed with explanation