Consumer complaint received 2023-01-21
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (OH)

Attention To XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, XXXX This Notice of Default and Opportunity to cure. This Notice of non-Response to numerous Qualified Written Requests that have not been in accordance with the Truth in Lending and Uniform Commercial Codes. 

This is a " qualified written request '' under the Federal Servicer Act, which is a part of the Real Estate Settlement Procedures Act, 12 U.S.C. 2605 ( e ). This request is made by me, as the above-named borrower ( s ), based on a dispute that has arisen with regard to my loan account. 
I am writing to you to complain about the accounting and servicing of this mortgage and my need for understanding and clarification of various sale, transfer, funding source, legal and beneficial ownership, charges, credits, debits, transactions, reversals, actions, payments, analyses and records related to the servicing of this account from its origination to the present date. 
To date, the documents and information I have, from origination and those that you have sent me, and the conversations with your service representatives have been unproductive and have not answered my questions. Needless to say, I am very concerned. With all the news lately regarding the stories of predatory lending and servicing, you have left me feeling that there is something you are trying to hide. I worry that potential fraudulent and deceptive practices by unscrupulous mortgage brokers ; sales and transfers of mortgage servicing rights ; deceptive and fraudulent servicing practices to enhance balance sheets ; deceptive, abusive and fraudulent accounting tricks and practices may have also negatively affected any credit rating, mortgage account and/or the debt or payments that I am currently, or may be legally obligated to. 
In order to ensure that I am not a victim of such predatory practices I need to conduct an examination and audit of this loan. I need to have full and immediate disclosure including copies of all pertinent information regarding this loan. I also request that you conduct your own investigation and audit of this account since its inception to validate the debt you currently claim I owe. 
Specifically, I am writing to request : Copies of all documents pertaining to the origination of the mortgage including : Settlement Statement HUD-1 Appraisal Loan Application All Right to Cancel Forms All Good Faith Estimates Commitment Letter FHA Mortgage Insurance Certificate FEMA Flood NotificationHazard/Flood Policy 30 ARM Program Disclosure CHARM Booklet Title Commitment First Payment Letter Adverse Notice Purchase Agreement Buydown Agreement Mortgage Broker Agreement Privacy Policy Credit Documents All State Specific Disclosures Closing Instructions Lock In agreement Section 32 Disclosures Original Note Signed Affidavit Statement Mortgage/Deed of Trust All Truth In Lending Disclosure Statements HELOC Agreement & Disclosures Private Mortgage Insurance Certificate Asset Verification Documentation Income Verification Documentation Gift Fund letters and verification Itemization of Amount Financed Special Information Booklet on Closing Costs Controlled Business Arrangement Disclosure A copy of the loan history including all payments made, all fees incurred, what has been paid out of the escrow account, and how all payments were applied. This information should cover the entire life of the loan. 
Additionally, this letter shall serve as my written request under TILA 15 USC 1641 ( f ) ( 2 ), which mandates that you, as the servicer, provide me the identity of the true note holder, including their name, address and telephone number of the owner of this obligation. 
The reason for obtaining this information is to assure that the terms and conditions are reasonable and affordable throughout the term of the loan and that I was not a victim of predatory lending and/or servicing practices. 
You should be advised that you must acknowledge receipt of this qualified written request within 15 business days, pursuant to 12 U.S.C. Section 2605 ( e ) ( 1 ) ( A ) and Reg. X, Section 3500.21 ( e ) ( 1 ). 
Thank you in advance for taking the time to acknowledge and answer this request as required by the Real Estate Settlement and Procedures Act ( section 2605 ( e ) ). 
Sincerely, XXXX XXXX XXXX, XXXX