Consumer complaint received 2024-01-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc. (AL)

This is long i know, but what they did is elegantly complicated. it was easier to take excerpts out of my case i filed against them. It was dismiss rule 12 ( B ) The short explanation is : I legally inherited a home. I got a court order to pay them direct during the will contest. paid for 2 years or so. Balance got down to {$2400.00} and Nation Star Brand new Mr. Cooper blocked my payment stating i was not a party to the note and have no authority to pay them and ignored the court order. Immediately put an obscene amount of LPI on the home. Accelerated foreclosure procedures during the will contest as well. I probated will, put deed in my name. sent all rervelent info and docs in, and was still ignored. was given 6 different pay off amounts never the same number. I formally disputed the amount of LPI that was purchased as it was an illegal amount of insurance. Mr. Cooper told me to pound it, no negotiation. Since they continued Foreclosure procedures whilst this has went on, I sued them to stay the foreclosure. I was just dismissed last week on a rule 12 ( B ). This is all a bunch of BullS, and i need help. 

If you now want the complicated ins and outs, read the below. Since i researched this company and XXXX XXXX for over a year. i believe i stumbled on their formula for illegal foreclosures. 

XXXX. NationStar / Mr. Cooper have disenfranchised XXXX of any Due Right of notice per due process in the proposed litigation of said foreclosure of the above referenced property by failure too acknowledge the Plaintiff as a benefactor to real property in which debt is owed by Plaintiff with repeated violations of RESPA. 

2. NationStar / Mr. Cooper is in default by refusing monies from the plaintiff that would have otherwise satisfied the monies due in question. NationStar/Mr. Cooper did take XXXX  of dollars from the Plaintiff towards the note in question down to a principal balance of only {$2400.00}. Plaintiff had only SIX MONTHS left to the note. As soon as the Defendants took earnest monies from the plaintiff then failed and refused to take payment, it placed the Plaintiff as party to the note with vested interest and injury. Defendants took over {$12000.00} ( paid via a federal instrument ) from the plaintiff, whilst being a tangible valid benefactor of the deed in question. At which point defendants refused payments from the plaintiff. Payments ordered by this court too be paid from the plaintiff too the defendants, see XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The plaintiff is now a valid deed holder, with over {$12000.00} vested in too the Defendants with risk too losing all equity coupled with earnest money paid. ( {$68000.00} + loss too plaintiff ) The plaintiff is an injured party. ( Breach of fiduciary Responsibility ) ; Alabama Code Title 7. Commercial Code 7-3-307. 

3. NationStar / Mr. Cooper has purposefully with wanton disregard too fair and equitable billing practices : over insure the above property at distress to the plaintiff. Being the Deed Holder with lean by the defendants in such an egregious amount applied through trickery and fraud that which the Plaintiff is a responsible party too pay. This injures the Plaintiff as he is a responsible party with interest vested.

4. Mr. Cooper / Nationstar have improperly appraised the home in which has caused harm to the plaintiff. Universal Citation : AL Code 34-27A-60 ( 2013 ) This allowed a vehicle of fraud to inflate insurance premium sums owed under lean to the Plaintiff. Which in turn injures the Plaintiff financially. 

5. NationStar and Mr. Cooper have lied to the Plaintiff on several accounts concerning the servicing of mortgage that XXXX has inherited which is a clear violation of Truth in Lending Act and fair servicing of loans. ( CFB Alabama ) Now that the plaintiff is a valid legal deed holder with earnest moneys applied too, the Defendants

injured the plaintiff in this regard in turn injures the Plaintiff financially. 6. Nationstar and Mr. Cooper have purposefully charged the account
in MISC. fees to too gain ill gotten fruits and profits : in that ; have charged several XXXX dollars in home inspection fees whilst being an occupied dwelling XXXX XXXX XXXX  ), servicing fees, late fees, attorneys fees prior to foreclosure, XXXX. fees that are not definitive or labeled under RESPA. XXXX XXXX XXXX XXXX XXXX. Nationstar Mortgage LLC XXXX XXXX, case number XXXX, in the U.S. District Court for the Southern District of Florida . Being that the plaintiff is a responsible party to the debt, the Plaintiff is injured in this reguard in turn injures the Plaintiff financially.

7. Mr. Cooper and NationStar have disregarded all notifications from all council that was involved with the litigation of said property in its will contest, which has harmed the plaintiff by forcing the property deeper in to debt, a debt payable by the Plaintiff for real property. Plaintiff notified the defendants on several occasions that he is sole benefactor and beneficiary too the estate with earnest money applied too, and was still ignored in violation of XXXX XXXX XXXX act, Alabama Code Title 7. Commercial Code 7-3-307, in turn injures the Plaintiff financially. 

XXXX. Mr. Cooper / NationStar refused communication with the plaintiff which is a violation of Federal Mortgage Disclosure Requirements under the Truth in Lending Act, garn st. germain act, let alone rights afforded to Inherited benefactors of real property and beneficiary to in this state and county ; Alabama Code Title 7. Commercial Code 7-3-307.

9. The plaintiff has been injured by the wanton disregard of the plaintiffs earnest attempts in satisfying and negotiating the proposed debt that he is a deed holder too, in turn injures the Plaintiff financially. 

XXXX. Mr. Cooper and NationStar have completely failed in every aspect of proper notification of billing to said account, defendants blocked the plaintiff digitally by shutting his online access down, and blocking payments. See : Federal Mortgage Disclosure Requirements under the Truth in Lending Act and XXXX of this state. See District of Columbia ; XXXX XXXX. XXXX ) garn st. germain act, Alabama Code Title 7 . Commercial Code 7-3-307, and RESPA, these acts in turn injures the Plaintiff financially. 

11. Mr. Cooper and NationStar have secreted departments and engrossed themselves in deceptive loan servicing practices in violation of Alabama Fair trade and banking laws ( see bellow ) and RESPA. These activities injured the Plaintiff be rendering him remedy-less. 
12. Mr. Cooper / Nationstar have created negative Feed Back Loops too purposefully preclude an individual/ Customer from ever reaching a proper department that has proper authority to dictate policy and official billing. This has infringed on the plaintiffs rights of : Discloser, fair loan servicing rights too customers, infringes on the plaintiffs rights of Civil Due Process, and violates Federal Mortgage Disclosure Requirements under the Truth in Lending Act, the Alabama XXXX, and RESPA. This has injured the plaintiff and again left him remedy-less and in turn injures the Plaintiff financially injured. 

XXXX. Mr. Cooper and XXXX XXXX have illegally self insured the home. XXXX XXXX and Mr. Cooper / Nationstar have embedded themselves in each others companies to collude in the pursuit to illegally inflate XXXX on the Plaintiff by engrossing in XXXX  acts of conflicts of interests ( the comingling of XXXX XXXX / XXXX XXXX XXXX XXXX subsidiaries with Mr. Cooper at its core ). See XXXX XXXX Nationstar Mortgage LLC. XXXX XXXX has been harmed by these illegal actions in that he has suffered egregious financial hardship due to the illegal actions and conflict of interests regarding the billing and secret policies between XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ). The plaintiff is forced to pay these sales and monies applied to the above reference account. This act has harmed and injured the plaintiff and again is a direct avenue of fraud, as Plaintiff is a responsible party to these said above debts that are attached through the lean, through the Deed that the Plaintiff holds, and through the inheritance of all the above ; in turn injures the Plaintiff financially. 


XXXX. This is a civil action filed solely by the plaintiff against Nationstar Mortgage LLC, XXXX Mr. Cooper ( Defendant or Nationstar ) for alleged misconduct related to its servicing of a residential mortgage of XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX by The Plaintiff, to a deed in which the plaintiff holds with debts attached to by the defendants. 

XXXX. As described in the allegations above and below, Defendants conduct during the servicing of borrowers mortgage loan constituted unfair or deceptive acts and practices by Defendant, its vendors, and resulted in violations to the homeowners rights and protections including their benefactors and or beneficiaries ( plaintiff ). 

16. Defendant is a privately held wholly owned subsidiary of Mr. Cooper Group , Inc.

that services residential mortgage loans. It has its principal place of business in XXXX, Texas. Nationstar transacts or has transacted business in the State of Alabama and services a Mortgage on real property in this States County of XXXX with the plaintiff attached to said real property as the deed holder. 

6. In the course of Nationstars mortgage servicing activities, Nationstar engaged in the following unlawful acts and practices in this States County of XXXX : a. failing to properly oversee third party vendors retained for servicing, foreclosure operations, and insurance. ( Nation Star sub group subsidiarys and vendors in example ; Mr. Cooper, XXXX, XXXX XXXX XXXXXXXX debt collection team, XXXX XXXX XXXX, and others in conduct of home inspection and debt collection, billing and etc. but not limited too. 

b. failing to accurately service the payments made by the plaintiff. 

c. Threatening foreclosure and conveying conflicting messages to the plaintiff engaged in loss mitigation and not continue actions whilst plaintiff actively attempted pursuing loss mitigation in the plaintiffs deeded property through Right. The Defendants never Acknowledged XXXX XXXX as a direct benefactor and offer any remedy to cure default. The plaintiff earnestly pursued loss mitigation procedures and was unafforded. At which point, the defendants were again in default against the Plaintiff. Plaintiff is protected by this state and federal trade laws concerning mortgages, debt, Inheritance law of encumbered propertys afforded to the Plaintiff. 

d. Failure to comply with XXXX XXXX XXXX XXXX : Defendants never acknowledged the XXXX will, and the conveyance of property too the plaintiff. Defendants never enacted a due upon sale clause on death. XXXX ; the Defendants continued illegal foreclosure proceedings against the Plaintiff with out first entertaining the rights of the Plaintiff in reference too the mortgage and deed inherited by the Plaintiff. This is a direct Violation of the XXXX XXXX XXXX XXXX which further injured the plaintiff rendering him remedy-less in this capacity. 

e. Failure too comply with Alabama XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and transfer of the Property or a Beneficial Interest XXXX XXXX XXXX 

f. Failure too communicate with inherited Benefactory ( Plaintiff ) g. Failure to acknowledge the rights of the Inheritee ( plaintiff ) of said above property.

h. failing to properly process plaintiffs pleads for applications for loan modifications or offering services to remedy the plaintiffs interest in the property ; i. failing to properly review and respond to borrower complaints ; j. failing to identify and communicate with successors in interest ; k. failing to properly maintain escrow accounts.

I the plaintiff as a inherited and deeded owner of property due and am here by responsible to the note BY LAW so in turn the defendants are un able to deflect complaint and or any legal actions by the plaintiff, or plaintiff would be unafforded due process and render him Remedy-less. The attacks of the defendants do not negate or refute any reparations duly afforded to the property benefactor ( Plaintiff ), and they ( the Defendants ) are perpetuating this unlawfully. The Plaintiff is a Direct interested party to the note in reference by law, and thus affords him the ability to contest the defendants in Trial by Right. This is still being continued by the defendants by their actions in this court which further injures the plaintiff.

Nation star/ Mr. Cooper have hired many sleazy Attorney outfits in the USA. The main one is XXXXXXXX XXXX XXXX. Nation Star / Mr. Cooper have developed inbound call loops to secret policies and departments from their customers. They use the calendar as a weapon to defraud people out of their homes. They pretend to act on your requests but they do it in a well crafted time frames to keep a person behind any true pay off or stop of foreclosure. They without diligence XXXX XXXXXXXX hire XXXX XXXX XXXX to foreclose on your property. XXXX XXXX XXXX do not question the foreclosure at all. XXXX XXXX XXXX  bills {$5500.00} a crack to do an hour worth of work. XXXX XXXX  XXXX simply drafts you a letter of foreclosure, sends a copy to the newspaper and the customer. Which there is a template for. XXXX XXXX Foreclosure. If you say, stay or stem the foreclosure, XXXX XXXX  XXXX gets hired again to send out another letter for {$5500.00}. In XXXX 180 days a customer is hit with {$11000.00} in attorneys fees. XXXX XXXX XXXX  doesnt return calls or correspondences. XXXX XXXX  XXXX specifically states they do not take notices for their client or services. You cant even serve a notice to XXXX XXXX XXXX. They do indeed represent Mr. Cooper Nation Star in every regard of law, but pretend they are just a debt collector. They act as a double buffer for NationStar / Mr. Cooper. If you sue Mr. Cooper you may indeed go against XXXX XXXX XXXX XXXX XXXX XXXXXXXX dual and triple track in the area of law. Which is an illegal conflict of interest. They operate as a debt collector for Mr.Cooper under deeds of trust, and represent them as council in litigation they are being sued for concerning the root debt recovery generated by XXXXXXXX XXXX XXXXXXXX. In this particular situation, it benefits XXXXXXXX XXXX XXXXXXXX to XXXX in secret. There is no true bipartisan behavior. XXXX XXXX XXXX operates as a shield to protect Nation Star Mr. Cooper in their illegal foreclosures. XXXXXXXX XXXX XXXXXXXX is a Foreclosure XXXX operating in and with Mr. Cooper Nationstar. XXXX XXXX XXXX benefits in exorbitant fees and then when there is sever illegalities proposed they also represent against that. It is a blatant conflict of interest for XXXX XXXX  XXXX to litigate a improper foreclosure that they indeed originated and drafted. Dual Tracking. Mr. Cooper / Nation star take everything mail wise to their actual office location but for anything legal. Why would Mr. cooper take the most non official things to their actual office but not the most legal things like civil processes? Also why does a company underneath the guise of XXXX XXXX XXXX  out of Michigan clear across the country take all of their mail to their home office but for legal services directed too Mr. Cooper Nation Stars mail box in a Post office by the XXXX XXXX? I pose XXXX more question before the answer : why does a company in Michigan under investigation with the FBI for Mortgage Fraud use the same mail box as Mr. Cooper? How and why are they connected? If you are defrauding XXXXXXXX XXXX XXXX  of customers on a daily basis, you have to expect that some of them are smart enough to send you legal service to stop their foreclosures that are ticking on a Calander. So if a customer sends a legal binding instrument that has it own ticking clock attached to it to stem a foreclosure, you can easily say you never got it. Thats Why Mr. Cooper and XXXX have XXXX XXXX and others unnamed alike to mix up your mail. Mr. Cooper, Nationstar, XXXX XXXX XXXX, and XXXXXXXX XXXX XXXXXXXX figured out a way for all of them to remain ambiguous to their legal mail. If you didnt get legal notice, you can continue to accelerate a foreclosure. 
In short : Nation Star, Mr. Cooper, and XXXXXXXX XXXX XXXXXXXX ; play a calendar game on your payments. Issue pay off quotes in time frames they know can never be effectuated or fulfilled, so they can continue a foreclosure. If you are a inheritee of a financially vulnerable home they block your payments to force you in to legal default. Increase your insurance fraudulently to put you in default. Set up a crooked sleazy attorneys firms ( XXXX XXXX XXXX ) to act as a buffer between Nationstar, XXXX XXXX  XXXX, Mr. Cooper, and the customer. To then use the same attorney Mr. cooper uses as a shield to them. Create call system FEED BACK LOOPS to leave a customer remedy less and hide departments/ information from the customer. Have a bogus mail box down the street set up to deflect legal prosses, and use a loop hole in RESPA to steam roll a inherited person out of a legally inherited properties. All the while if you ever file suit against them, they use their own policies as a shield to Rule 12 ( B ) dismissals to claim you have no claim against them. Unfortunately these cases are so extremely complex circuit justices just toss them out on the face of 12 B instead of the person being able to take them to a trial. These companies are benefiting and profiting from American families whom are financially vulnerable. These companies prey on the down trodden and set up a rigged system to defraud the American people out of the American Dream. The dream of Home Ownership