Consumer complaint received 2023-10-12
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Foreclosure

Complaint:
In XXXX of XXXX I applied for a loan modification. I already had a loan modification from XXXX which when Nationstar took over the servicing of the mortgage in XXXX they did not honor that loan modification and would not accept my mortgage payments which put me into foreclosure. I have been trying to deal with this for many years but they refuse to do anything and won't address the issues I have raised. I have had Notices of Error sent to them by a forensic loan auditor, I have had attorneys try to deal with them and I have tried to get a loan modification so that they would accept my payments. None of these have worked and they keep trying to steal my house. They tell me that they have all the documents I submit and act like they are going to evaluate me for a loan modification but then they ask me for more documents or to update the ones I have already submitted. They did this for over a year and then denied the modification but did not give me a good reason. They said it took too long and that now I owed too much to modify the loan. They caused it to take this long. I submitted every document they requested within 24 hours of when they requested it. 
My attorney sent them a letter asking them to appeal their decision. I did not receive the result of that appeal. I have been needing extensive dental work and I told them that in my hardship letter. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and a XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was told to get a lot of rest. On XXXX, XX/XX/XXXX, at XXXX am a man came to my door which rang my XXXX XXXX. It startled me and woke me up. I have not been sleeping continuously XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Having someone at my door and walking around my property so early in the morning when I am infirmed and not expecting it is a form of domestic terrorism. 

There are many mistakes in Nationstar 's ( Mr Cooper 's ) accounting of my loan. Numerous times I have asked them to correct these errors but they refuse to acknowledge any errors. I have proof that their accounting is not correct. They stopped sending me mortgage statements in XXXX but now they say that I owe way more than I should owe. They also have tried to pay for my home insurance but I always pay for it and my insurance company sends the money back to them if they try to pay for it. 

The CFPB has sued Nationstar aka Mr Cooper for the exact things that they are doing to me and I am sure there are many other people who are affected by their fraudulent and illegal acts. There should be some recourse for their breach of the settlement. 

I have lived in my house for almost 30 years. I have put a lot of money and time into this property and plan to retire here. I will be XXXX XXXX XXXX next month and I know all of my neighbors and feel safe here. I survived the XXXX XXXX fire, the XXXX XXXX debris flow, the XXXX pandemic ( I even had XXXX and survived it ), and now I am being terrorized and threatened by Nationstar Mortgage.

Company response to consumer: Closed with explanation