Consumer complaint received 2019-09-10
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Re : Loan XXXX Address : XXXX XXXX XXXX XXXX XXXX, Ca XXXX To All Concerned ; I am the current owner of XXXX XXXX XXXX XXXX, XXXX Ca XXXX ( The Subject Property ) mentioned above. I have incurred substantial financial losses in an effort to cure my mortgage debt. The purpose of this letter is to inform the [ bank ] and initiate a dialogue, seeking remedy for excess fees I incurred as a result of the Banks error. The financial losses I am seeking to remedy, initiated during my Bankruptcy filing which was extended due to the banks error. Please rest assured I am not implying intentional error on the [ Banks ] part, rather it is my fiduciary responsibility to attempt to redeem what I am sure you will find is a fair claim. The details of my claim are listed below : - XX/XX/XXXX, I took ownership of the property and dealt with Nationstar. Exhibit 1 I have been involved in a Chapter XXXX Reorganization, and this property was included in the filing. 

- XX/XX/XXXX- I was ordered to make payments to XXXX XXXX for this mortgage. The payments were sent as directed and addressed in the Court Order. XXXX XXXX, returned the checks uncashed. Exhibit 2 After several attempts to pay, XXXX XXXX   asked that I please STOP sending payments and stated they would help clarify the correct address and payee. Mr. Cooper was the new servicer, but their agents refused to acknowledge me as the property owner, thus refusing to give me access to the account. Exhibit 3 I have made several attempts to rectify this. However, until this day, Mr. Cooper does NOT acknowledge my ownership of the property. Exhibit 4 -  XX/XX/XXXX- The property went through an extensive remodel, in preparation for sale once the Court confirmed the Chapter XXXX reorganization. Monies for repairs and remodel are still owed to the contractor who is expecting to be paid through Escrow. Exhibit 5. The property was in poor condition at the onset of the Bankruptcy Filing, see appraisals. In order to make the property more marketable, repairs and upgrades were very necessary. The equity that was gained due to these repairs have been negated by the extra costs incurred. 

- XX/XX/XXXX- Mr. Coopers ( XXXX XXXX ) attorney filed a Motion with the Court, requesting a Dismissal of my case given the lack of payment to them. Even though I had documented that the payments were sent but returned by the XXXX XXXX. In turn, the judge converted my case to a Chapter XXXX Liquidation. Exhibit 6 - XX/XX/XXXX, Prior to XXXX XXXX  opposition, a unit in the subject property had remained vacant, making it more appealing and salable, at the conclusion of the Chapter XXXX. Once the Filing was Converted to a Chapter XXXX, with the sale no longer an option, I rented out that unit to a young family with a XXXX child. I am now liable to pay Relocation of {$17000.00}, to that family in order to vacate the unit and sell the property. Exhibit 7.  Had XXXX XXXX not filed the opposition, I would have sold the property with a vacant unit and achieved a better financial result. 

- XX/XX/XXXX- During the Chapter XXXX process, the Chapter XXXX Trustee attempted to Extort me for a large amount of money while perjuring himself. Charges have been filed against him. Currently the Department of Justice, the US Trustees Office and the Ca State Bar Association are investigating the matter. He took over the XXXX Property and collected the rents in the amount of {$15000.00}. Exhibit 8. The Trustee demanded an excessive settlement payment from me in order to allow me to keep my properties. 

- XX/XX/XXXX- The case has been re-converted to a Chapter XXXX. I incurred approximately {$24000.00} in additional Legal Fees directly related to the delay caused by XXXX XXXX opposition to my filing. Exhibit 9 Your attorney can confirm that {$54000.00}, via Cashiers Check, was paid to Mr. Cooper in court bringing my mortgage current. The past due balance was demanded and paid despite the fact that I was NOT allowed to collect rents. 

- XX/XX/XXXX, At the present time, I would like to sell off the property and pay my debts incurred. The Lawyer is expecting the balance of his fees due to be paid through Escrow, and the contractor will need to be paid for the services provided. In addition, tenants are expecting their relocation monies. I just want to walk away from this property and recover some of my losses.

Company response to consumer: Closed with explanation