Consumer complaint received 2022-03-28
Company: Mr. Cooper Group Inc.
State: NJ
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am currently in XXXX XXXX XXXXnkruptcy and made my last payment to trustee in XX/XX/XXXX and is awaiting a discharge from the court since I have completed all my required payments. 

On XX/XX/XXXX, my bankruptcy lawyer emailed me that Nationstar Mortgage, LLC d/b/a Mr. Cooper filed a Notice of Default on XX/XX/XXXX against me regarding default of the terms of the Order entered by the Court on XX/XX/XXXX. Mr. Cooper said that as of XX/XX/XXXX, I failed to pay the following : Payments of {$1800.00} from XX/XX/XXXX - XX/XX/XXXX = {$3700.00} XXXX XXXX XXXX ( {$480.00} ) TOTAL DUE = {$3200.00} They said that if said funds are not received, they will have no alternative but to proceed with any court action deem necessary due to this default. 

On XX/XX/XXXX, I responded to the email and said that I have attached all payments for the years XXXX and XXXX in zip file. The XXXX folder shows the checks, mortgage receipts, proof of check they deposited in the bank, and the date I went to the post office and mailed the checks out. I also called the mortgage company on Wednesday XXXX, XXXX to verify they received the checks because I saw only one check was deposited. Mr. Cooper Representative told me they received both checks and it was processed. On Thursday XXXX, XXXX I saw the other check processed in my bank account. 

On XX/XX/XXXX, my bankruptcy lawyer forwarded me an email from Mr. Cooper Lawyers saying the following : Attached please find Pay History as of XXXX. Debtor is still in default and showing due for the XXXX payment. 

On XX/XX/XXXX, I responded to the email and said the following : I looked over the pay history you sent me and reconciliated it to show proof I have made all my payments. I have also attached all my proof of payments for the years XXXX, XXXX, XXXX and XXXX. I have also included each monthly statements Mr. Cooper sent me showing the total payment I have to pay in which I paid. 
Attach is the XXXX reconciliation sheet, and all monthly statements from Mr. Cooper together with all my payments for each of the years XXXX to XXXX. 

On XX/XX/XXXX, my bankruptcy lawyer forwarded me an email from Mr. Cooper Lawyers saying the following : We just got the attached post-petition payment history in, which is current as of this morning. As you can see, the last payment of {$1900.00} received on XXXX was applied to the XXXX payment due. There is a {$1200.00} suspense balance. Debtor is still showing due for the XXXX and XXXX payments due. 

On XX/XX/XXXX, my bankruptcy lawyer also asked Mr. Cooper lawyers about the following checks : What about the other two checks my client sent to your client I don't see them on the payment history? I'm referring to check # XXXX cleared on XX/XX/XXXX in the amount of {$1900.00} plus XX/XX/XXXX, payment in the amount of {$1800.00} check # XXXX? 

On XX/XX/XXXX, Mr. Cooper lawyers responded to the email and said the following : The payment you state was mailed in on XXXX is not showing up yet. The other two payments of {$1900.00} each are already on the pay history, showing as received on XXXX and XXXX. 

On XX/XX/XXXX, I responded to the email from Mr. Cooper lawyers and said the following : I looked at Mr. Cooper pay history statement and I have attached proof I have paid XXXX, XXXX, XXXX and XX/XX/XXXX. 
XX/XX/XXXX payment I paid late which money order showed XX/XX/XXXX. I also attach to the money order Mr. Cooper statement in which I let them know that the payment was for XX/XX/XXXX. 
XXXX and XXXX Payment I wrote a check for {$3900.00} in which I added an extra {$200.00}, and I noted it was for the escrow account. I even included Mr. Cooper statement again showing that this check was for XXXX and XX/XX/XXXX. Check # XXXX XXXX payment I mailed in XXXX which again I also put Mr. Cooper statement letting them know that this was for XX/XX/XXXX. Check # XXXX Look at the attachment I have included with this email. 

I also emailed proof to Mr. Cooper lawyers showing my bank statements of the checks processed. The bank statements showed Mr. Cooper Deposited check on XX/XX/XXXX. Check # XXXX Amount {$1900.00}. 
Mr. Cooper Deposited check on XX/XX/XXXX. Check # XXXX Amount {$1900.00} I also noted the following to Mr. Cooper lawyers : on XX/XX/XXXX, Mailed Check # XXXX Amount {$1800.00} see proof of receipt from post office. Receipt notes that estimated delivery date is XXXXlook at the receipt. 

I have provided all mortgage statement Mr. Cooper sent me showing what they said my total payment was for each month. and showed proof via all receipts showing it was paid. I emailed all documents to Mr. Cooper lawyers. 

On XX/XX/XXXX, I also sent another email to Mr. Cooper lawyers with proof of payment and noted the following regarding the payment history they sent me : Look Mr. Cooper Statement showed my total payment was {$1100.00} for month of XX/XX/XXXX. XXXX XXXX for {$1100.00} was mailed XX/XX/XXXX and Mr. Cooper received it on XX/XX/XXXX but they did not applied it to XXXX XXXX they put it in suspense account. Look at the pay history. Look at Mr. Cooper statement showing {$1100.00}. This is where all the problems began because they did not applied my payment for XX/XX/XXXX. 

Look Mr. Cooper XXXX showed my total payment was {$1500.00} for month of XX/XX/XXXX. Money Order for {$1500.00} was mailed XX/XX/XXXX and Mr. Cooper received it on XX/XX/XXXX. Mr. Cooper went and applied this month XXXX payment as the payment for XX/XX/XXXX. Look at Mr. Cooper statement showing {$1500.00}. Look at Mr. Cooper pay history which showed this XXXX payment was applied for XXXX. 

On XX/XX/XXXX, Mr. Cooper lawyers responded to my email and said the following : We will send this information over to our client for review. 
In the meantime, here is another copy of the post-petition payment history we received earlier today from our client, which they had updated as of this morning. The left hand column shows the dates payments were received, the next column over shows the amounts received, etc. Payments are applied in the order they are received. As you can see, this payment history shows that the last two payments that were received of {$1900.00} each on XXXX and XXXX were applied to the XXXX and XXXX payments due. The payment you state was mailed in on XXXX is not yet showing on this payment history. 

On XX/XX/XXXX, Mr. Cooper lawyers sent an email to both me and my bankruptcy lawyer and said the following : Please be advised that we have closed our current Notice of Default ( NOD ) process. The attached updated pay history now shows debtor due for the XXXX payment ( less than 30 days delinquent ). Note that the amount due for the XXXX payment is {$650.00} ( {$1800.00} minus {$1200.00} suspense balance ). 

On XX/XX/XXXX, I responded to Mr. Cooper lawyers ' email with proof and said the following : Here is proof of check # XXXX and post office receipt below showing I have mailed today the amount they said I owe of {$650.00}. 

On XX/XX/XXXX, I received my XXXX mortgage statement in the mail from Mr. Cooper and it showed I am owing them {$2500.00}. 
The statement noted that the regular monthly payment is {$1800.00} I have a past unpaid amount of {$1800.00} and partial payment unapplied of {$1200.00} XXXX filed this complaint because am tired of Mr. Cooper in accurate information saying I owe when I do not. I have provided all documents showing proof I have paid all amounts and yet they say I have an unpaid amount plus a partial unapplied amount. There lawyers sent email on XX/XX/XXXX, noting the only money owing was {$650.00} for XXXX. Even thou I disagreed with this amount I paid it because of the stress and the effect this mortgage company is having with my mental health. And yet they continue to harass me for amounts that I do not owe. 

Mr. Cooper lawyers also sent me a Notice of mortgage payment change which they filed with the bankruptcy court noting my new mortgage payment. 
Date of Payment change XX/XX/XXXX New total payment {$1800.00} Effective XX/XX/XXXX. 
I am tired of Mr. Cooper decisive practices of taking advantage of me which is affecting my mental health and well-being.

Company response to consumer: Closed with explanation