Consumer complaint received 2021-09-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (CA)

This is an updated version of this complaint that was filed earlier today. 

Nationstar Mortgage LLC, d/b/a Mr. Cooper is engaging in : 1 ). an unlawful invasion of my privacy in violation of California Penal Code Sections 631 and 632 2 ). an unlawful intrusion into my private affairs, and 3 ). a violation of my right to privacy under the California Constitution. 

In her email message to me on XX/XX/2021, Mr. Cooper 's Vice President, Associate General Counsel XXXX XXXX XXXX WROTE in part : " ... ..Not sure what else you would like in writing or why this is an issue. Our calls are recorded, so records exist. '' The above sentence by Ms. XXXX was in response to my numerous requests to have all future forbearance, and post-forbearance-related discussions between myself and Mr. Cooper reduced to email correspondence. I had continued to request that all post forbearance negotiations between myself and Nationstar Mortgage LLC, d/b/a Mr. Cooper be done by email, to create a written record of our discussions available to both parties in writing and because I did not want to have Mr. Cooper recording our telephone discussions. 

This recording of our telephone negotiations by Mr. Cooper would provide Mr. Cooper with an unfair, one-sided advantage of having recordings of our discussions that they could easily manipulate and would not provide to me unless I was willing to spend tens or hundreds of thousands of dollars that I do not have, getting a subpoena or suing them and going through the discovery process. 

There are less than 60 days left on my present forbearance. To avoid foreclosure and access the post forbearance programs available to me through XXXX XXXX, and benefit from the post forbearance remedies made available to California borrowers in forbearance by the Consumer Financial Protection Bureau 's recent post forbearance amendments to the Real Estate Settlement Procedures Act ( RESPA ), Regulation X. ( 12 CFR Part 1024 ) Federal Register /Vol. 86, No. 123 /Wednesday, June 30, 2021 /Rules and Regulations ; MR. COOPER IS REQUIRING ME TO SPEAK WITH A MR. COOPER " DEDICATED LOAN SPECIALIST '' OR OTHER MR. COOPER EMPLOYEES ON RECORDED PHONE LINES. I HAVE NOT AND WILL NOT GIVE MR. COOPER, MY PERMISSION TO RECORD OUR PHONE CONVERSATIONS. 

Therefore, during these dangerously stress ridden, frenetic times when California residents like me are struggling to survive and avoid forclosure, Nationstar Mortgage LLC, d/b/a Mr. Cooper, as XXXX XXXX 's loan servicer and representative, is ACTIVELY denying California residents, such as myself, access to XXXX XXXX and other Federal Benefits unless we surrender the privacy protections provided to us under the California Constitution and California Penal Code Sections 631 and 632. Benefits that we are desperately in need of.

In my opinion, thousands, tens or hundreds of thousands of similarly situated Californians may also be having their California privacy protections guaranteed to them under the California Constitution ripped away from them by Nationstar Mortgage LLC, d/b/a Mr. Cooper in violation of California Penal Code Sections 631 and 632.

Nobody should have to sacrifice their Constitutional rights and legal protections to obtain benefits provided by government agencies that a sinister, rogue company like Nationstar Mortgage LLC, d/b/a Mr. Cooper, is administering.