Consumer complaint received 2024-10-23
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Mr. Cooper Group Inc. (IL)

Filed by : XXXX XXXX Address : XXXX XXXX XXXX  XXXX Email : XXXX Mortgage Loan Number : Original Loan No. XXXX, Nationstar Loan No. XXXX Related Case : XXXX, XXXX Notice to agent is notice to principle and notice to principle is notice to agent I am filing this QWR and complaint regarding my mortgage serviced by Nationstar Mortgage LLC ( Mr. Cooper ). There are significant discrepancies in the servicing of my loan, including multiple versions of the promissory note, improper and missing assignments, and a Mortgage Loan Purchase and Sale Agreement from XXXX that was not disclosed during foreclosure proceedings. I have submitted a Qualified Written Request ( QWR ) under RESPA and TILA, but I am seeking CFPB oversight to ensure compliance see Exhibit 9, which was received by Nationstar on XX/XX/XXXX. 
Summary of Complaint : I am submitting this complaint against : Nationstar Mortgage LLC ( Mr. Cooper ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for engaging in fraudulent foreclosure practices, improper mortgage servicing, record tampering, and attempting an eviction based on fraudulent documentation. These actions constitute violations of RESPA, TILA, probably HMDA, and federal consumer protection laws. 
This complaint is being submitted to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) due to the severity of the fraudulent activity, potential criminal violations, and significant consumer rights violations. I request urgent investigation and intervention, as the actions of these entities threaten to deprive me of my home through fraudulent eviction proceedings.

Exhibits : 1. Exhibit 1 : Conflicting promissory notes and multiple assignments.

2. Exhibit 2 : Mortgage Loan Purchase and Sale Agreement ( MLPSA ) from XXXX. 
3. Exhibit 3 : FOIA response proving the non-existence of XXXX  XXXX XXXX, which was used to justify the foreclosure and eviction. 
4. Exhibit 4 : Fraudulent assignment recorded in XXXX, filed by XXXX  XXXX XXXX even though it doesnt exist. 
5. Exhibit 5 : Evidence of missing and altered court records, showing tampering by Nationstar in the foreclosure process. 
6. Exhibit 6 : Filing from XX/XX/XXXX, outlining the record tampering and multiple notes. 
7. Exhibit 7 : XX/XX/XXXX eviction notice, based on a fraudulent assignment from XXXX  XXXX XXXX, a non-existent entity. 
8. XXXX XXXX 9. XXXX  Files 1. Fraudulent Foreclosure and Conflicting Documentation : Nationstar Mortgage LLC has failed to provide valid documentation proving its legal right to foreclose. Throughout the foreclosure process, Nationstar submitted multiple conflicting versions of the promissory note, fraudulent assignments, and has provided no explanation for the inconsistencies in their claims of ownership. A Mortgage Loan Purchase and Sale Agreement ( MLPSA ) dated XX/XX/XXXX, was only disclosed at trial in XXXX, contradicting Nationstar 's prior claims that it owned the loan since XXXX. 
# Statutory Violations : - 12 U.S.C. 2605 ( b ) & ( c ) ( RESPA ) : Failure to provide accurate documentation of loan ownership and transfers. 
- 15 U.S.C. 1641 ( f ) ( 2 ) ( TILA ) : Failure to verify the loans ownership and disclose assignments. 
Specific Issues : - Conflicting Promissory Notes and Assignments : Throughout foreclosure, XXXX XXXX have used multiple servicers and have produced XXXX different versions of the promissory note, with varying endorsements and dates, suggesting forgery and lack of proper chain of title. There are notes with no allonges or stamps, notes with just blank endorsed stamps, notes with just allonges, both XXXX and XXXX allonges. 
- Exhibit 1 : Conflicting notes submitted during foreclosure.

- Contradictory Transfer Documentation : The MLPSA from XX/XX/XXXX, reveals a transfer from XXXX XXXX to XXXX XXXX, which contradicts Nationstars previous claim that it purchased the loan in XXXX. 
- Exhibit 2 : MLPSA contradicting Nationstars ownership claim. 
- Exhibit 10 : pg XXXX. Nationstar is claiming to get assignment of note and mortgage from XXXX in XXXX, XXXX. 
Nationstar has been claiming they were the legal holder of the note since, as of XX/XX/XXXX ( see XXXX XXXX pg XXXX ), this assignment doesnt make sense because there is an assignment of note and mortgage from the unlicensed originator XXXX XXXX XXXX to XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX ( ex XXXX pg XXXX ) XXXX only had an assignment XXXX mortgage only from mortgage from XXXX XXXX XXXX, executed on XX/XX/XXXX ( ex XXXX pg XXXX ). XX/XX/XXXX is roughly 5 months after XXXX  XXXX XXXX voluntarily dissolved on XXXX ( see exhibit XXXX ). Further more Nationstar causes further confusion by also filling an assignment to both XXXX XXXX  ( ex XXXX pg XXXX ) and XXXX XXXX ( ex XXXX pg XXXX ). As if recorders office fillings werent confusing enough, Exhibit XXXX is the mortgage purchase agreement between XXXX XXXX and XXXX XXXX dated XX/XX/XXXX. Exhibit XXXX Is the Bill of Sale between XXXX XXXX and XXXX XXXX  also dated XX/XX/XXXX. Keep in mind that Nationstar filled for foreclosure on XX/XX/XXXX. We are confused on how Nationstar ever had standing? How are they involved between exhibit XXXX and XXXX? 
XXXX. Fraudulent Assignments and Forged Documents : Nationstar relied on a fraudulent assignment from XXXX XXXX XXXX from XXXX. FOIA requests confirm that XXXX  XXXX XXXX does not exist in XXXX, yet an assignment from this entity was used to justify both the foreclosure and the eviction. Additionally, the new law firm XXXX XXXX XXXX XXXX has not properly filed an appearance in the case yet is attempting to enforce an eviction. 
# Statutory Violations : - 12 U.S.C. 2605 ( e ) ( RESPA ) : Failure to provide information about loan servicing and ownership.

- 18 U.S.C. 1001 ( Fraudulent Statements ) : Submission of false and fraudulent statements in a legal proceeding.

- 12 C.F.R. 1024.35 : Prohibits moving forward with foreclosure and eviction when there are unresolved errors in loan documentation. 
# Specific Issues : - Fraudulent Assignment by a Non-Existent Entity : Nationstar relied on a XXXX assignment from XXXX XXXX XXXX  ( from XXXX  ) to obtain judgment and eviction. XXXX  XXXX XXXX has never existed in XXXX. It has existed in XXXX, but was dissolved on XXXX. 
- Exhibit XXXX : FOIA response proving the non-existence of XXXX XXXX XXXX in XXXX. 
- Exhibit XXXX : ILSOS print out of XXXX  XXXX XXXX. Showing XXXX XXXX was dissolved on XXXX. 
- Exhibit XXXX : Fraudulent assignment recorded in XXXX. 

3. Record Tampering and Missing Documents : Throughout the foreclosure process, Nationstar and its attorneys have tampered with court records, resulting in missing or altered documents that are crucial to my defense. Defendants have tried to bring it up on XXXX filings. Ironically, that filling was clearly tampered with. Originally XXXX different notes were uploaded as exhibits and electronically filled. But soon afterwards a court audit revealed that there are missing filings from XXXX. Defendants noted that at least XXXX exhibits in the court 's online portal are missing when compared to what was uploaded. Suggesting manipulation and destruction of evidence. We would like the court to conduct a more thorough investigation and elaborate whats missing, and how did it disappear? Why does this keep happening? See filling from XXXX and XXXX # Statutory Violations : - 12 U.S.C. 2605 ( e ) ( RESPA ) : Failure to respond to requests for correction of loan servicing errors.

- 18 U.S.C. 2071 : Criminal penalties for the willful destruction or concealment of court records.

# Specific Issues : - Missing Court Filings and Exhibits : Multiple documents that would prove the fraudulent nature of the foreclosure have been tampered with or removed from the court record. 
- Exhibit XXXX : Documentation showing missing and altered court filings. 
- Exhibit XXXX : XX/XX/XXXX, filing highlighting record tampering. 
4. Fraudulent Eviction and Improper Foreclosure : XXXX XXXX XXXX XXXX, is attempting to evict me based on fraudulent documentation. The XX/XX/XXXX eviction notice is based on an assignment from XXXX  XXXX XXXX, a non-existent entity. Further, XXXX XXXX XXXX XXXX has not properly filed an appearance or provided me with any documentation from them that was filed in court, which violates Illinois Supreme Court XXXX XXXX requiring that all parties be notified of legal representation and changes. The timing of XXXX involvement is highly unusual. - Lack of Notice from XXXX XXXX XXXX : XXXX XXXX sent a demand for possession letter on XXXX, interestingly, the very next day, they filed a form with ilsos to change their name. Serious questions about due process and proper representation in this case. 
# Statutory Violations : - 12 C.F.R. 1024.35 ( RESPA ) : Prohibits servicers from pursuing foreclosure when there are unresolved errors.

- Illinois Supreme Court Rule 13 ( c ) : Attorneys must file an appearance to act in any legal proceeding, and failure to do so makes their participation invalid. 
# Specific Issues : - Fraudulent Eviction Based on Invalid Assignment : The eviction notice is based on an assignment from XXXX XXXX XXXXXXXX, which doesnt exist. 
- Exhibit XXXX a : The letter doesnt indicate who possession is demanded by? It was intentionally left blank. 
-Exhibit XXXX b : Who is the attorney? Where is the ARDC #? Is this demand even made by an attorney? 
-Exhibit XXXX c : XXXX  print out of XXXX did they recently just become activated on XXXX? 
-Exhibit XXXX d : Why did XXXX change their name the very next day after sending me a demand for possession? 
Requested Action from CFPB and FTC : 1. Immediate Stay of Eviction : I request that the CFPB and FTC investigate and intervene to issue an immediate stay of the eviction, as the foreclosure and eviction are based on fraudulent filings, improper mortgage servicing, and unresolved title disputes. These actions have deprived me of my due process rights. 
2. Comprehensive CFPB/FTC Investigation XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX and alleged clients like XXXX, Nationstar, XXXX XXXX XXXX XXXX. have violated numerous federal statutes and engaged in fraudulent mortgage servicing practices. I request a full audit and investigation into their foreclosure practices, record tampering, and failure to comply with RESPA, TILA, and probably HMDA too. 
3. Referral for Civil and Criminal Penalties : Given the fraudulent actions, tampering, and potential criminal violations committed by Nationstar, and their legal representatives, I request that these entities be referred for civil and criminal penalties, including charges of fraud, forgery, and record tampering. 
4. Compensation for Damages : Due to Nationstars fraudulent actions, I have incurred significant financial losses, legal expenses, and emotional distress. I seek maximum statutory damages under RESPA, TILA, HMDA, and other consumer protection laws, as well as compensation for the emotional and financial harm caused by the fraudulent foreclosure and eviction.