Consumer complaint received 2025-12-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
I am filing an emergency complaint against Mr. Cooper ( Nationstar Mortgage ) for what appears to be federal program fraud, false claims, and systematic mortgage servicing violations spanning years. Their handling of my loan is not a mistake it is a pattern of misconduct that caused the misuse of federal Homeowner Assistance Fund ( HAF/XXXX ) money and pushed my loan into false delinquency. 

I am requesting immediate CFPB oversight escalation and review for potential referral to federal enforcement agencies. 



1. Mr. Cooper supplied a FALSE arrears amount to XXXX  to obtain federal funds. 

XXXX approved {$49000.00} in federal assistance to reinstate my mortgage. 
Mr. Cooper provided the arrearage calculation. 

My ledger proves the arrears they reported were manufactured, not real. 

They created this false delinquency through : Retroactive payment reversals ( Reason XXXX, Reason XXXX, Reason XXXX ) Suspense account manipulation Fake escrow shortages Unexplained corporate advances Negative adjustments inserted months after payments Reversing escrow disbursements to inflate balances This is a false claim submitted to a federal program, which is a violation of : 18 USC 1001 ( False statements/ False claims ) 18 USC 641 ( Misappropriation of federal funds ) HAF Program Rules ( Misuse of XXXX relief funds ) 2. After receiving federal funds, Mr. Cooper continued to falsify my account. 

Instead of reinstating my loan with the HAF payment : They continued reversing payments Continued adding corporate advances Continued adjusting balances without explanation Continued manipulating escrow Continued creating negative balances Never restored my account to a current status Never provided a proper accounting of where the {$49000.00} was applied This violates : RESPA 1024.35 ( failure to correct errors ) RESPA 1024.17 ( escrow mismanagement ) CFPB 2020 Consent Order against Nationstar Federal HAF program guidelines for application of assistance Federal money was used improperly, and my account remains damaged. 



3. My ledger contains overwhelming evidence of servicing fraud. 

Across dozens of pages, I documented : Payment Reversal entries without cause Escrow disbursement reversals Suspense adjustments used to hide funds Corporate advances inserted into arrears Negative balances not tied to any billing Retroactive changes up to YEARS later Arrears that do NOT reflect actual payment history These actions CREATED the delinquency used to obtain federal funds. 

This is systemic mortgage servicing abuse, not borrower delinquency. 



4. Mr. Cooper benefitted financially from a delinquency THEY CREATED.

XXXX  funds should only cover actual past-due amounts. 

Instead : They inflated my arrears through manipulations Provided XXXX  with an inaccurate reinstatement quote Accepted {$49000.00} for arrears that were not real Failed to apply the money correctly Continued treating the account as delinquent anyway This is unjust enrichment and a violation of the American Rescue Plan Act ( ARPA ).

Company response to consumer: Closed with explanation