Consumer complaint received 2022-10-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: RI

Complaint narrative:
Mr. Cooper was sold my mortgage information from XXXX XXXX XXXX on. XX/XX/XXXX. I submitted a validation of debt request XX/XX/XXXX. They responded with a statement of account and a copy of my note and mortgage. XX/XX/XXXX, I sent the second request for validation of debt under the FDCPA. Again, they reply with a statement of account and copy of my mortgage and note. Mr. Cooper has no contract with me. Below is a list under Title 15 of all the violations they have committed : 1. 1605 ( a ) Minimum Payment Charge 2. 1692b ( 2 ) False representation. All caps name, stating consumer owes debt 3. 1692b ( 5 ) Using a symbol on any correspondence 4. 1692c ( a ) Communication without prior consent 5. 1692d Harass and oppressive use of XXXX about alleged debt 6. 1692d ( 2 ) Obscene/profane language accusing me of owing an alleged debt 7. 1692e Using false, deceptive or misleading representations 8. 1692e ( 2 ) ( A ) False Representation 9. 1692e ( 8 ) Communicating false debt 10. 1692e ( 9 ) Use/distribution of communication with authorization or approval 11. 1692e ( 10 ) False deceptive means to collect a debt 12. 1692e ( 12 ) False representation/implication 13. 1692f Unfair practices 14. 1692f ( 8 ) Using symbol or language on envelope when communicating 15. 1692f ( 6 ) ( 8 ) Threatening to disable or dispossess property 16. 1692e ( 2 ) ( A ) False representation of the amount of any debt 17. 1692e ( 5 ) Threat to take illegal action All of these violations come with a {$1000.00} fine and I request that I receive restitution for these violations dating back to XX/XX/XXXX. 
I also submitted a Request for Accounting Via Mr. Cooper website portal on XX/XX/XXXX pursuant to Rhode Island General Laws 6A-9-210 U.C.C. 9 210 and other applicable laws. This communication is with reference to the alleged contractual relationship, I have a right to an authenticated record of accounting. I am not requesting a statement of account. I am asking for an authenticated record of the accounting. I am also requesting all initializing documents including a copy of the REMIC filing. I am hereby disputing the alleged debt, and to require that you provide the requested information within the time allotted by law, which is 14 calendar-days. They are still sending me statements in the mail. This is supposed to be estoppel. I have no Contract with Mr. Cooper. They have no security interest and can not validate or verify any alleged debt. I fired any and all powers of attorney with regard to my property in XXXX of XXXX. They had a duty and/or obligation to respond with the appropriate information within the time frame allotted and or permitted by law, in conjunction with other related laws and/or statutes of limitations. Because this is associated with a debt that is being reported the following principles associated with my rights applies respectively, THE FAIR DEBT COLLECTION PRACTICES ACT, THE FAIR CREDIT REPORTING ACT, and/or THE TRUTH IN LENDING ACT, penalties and assessments and/or failure to act and/or failure to comply with the statutory requirements.

Company response to consumer: Closed with explanation