Consumer complaint received 2025-11-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Mr. Cooper Group Inc.
State: AL

Complaint narrative:
URGENT FORECLOSURE SALE SCHEDULED DESPITE ACTIVE DISPUTE AND MISDELIVERY OF DOCUMENTS Because a foreclosure sale is scheduled. I am requesting CFPB assistance on an urgent basis to prevent wrongful foreclosure due to the services error. 

My mortgage servicer, Mr. Cooper, has scheduled a foreclosure sale for XX/XX/XXXX, even though I have an active RESPA dispute and they have failed to respond properly to multiple Qualified Written Requests ( QWR ). 

I submitted a full QWR with supporting documents over two weeks ago. They never responded to the issues I raised. Instead, they issued a foreclosure notice and ignored the correction request I mailed.

The core issue is this : Mr. Cooper claims they mailed loan modification documents on XX/XX/XXXX. 
Their proof of delivery shows a RED brick house, which is NOT my home ( my house is WHITE brick ). 
I never received the modification packet and could not sign anything they claim I ignored. 
Instead of fixing the error, they treated me as if I refused to sign. 
They have reported me delinquent despite this being their servicing error. 
I mailed an additional letter requesting a payment pause and account correction, which they ignored. 

Now, despite the active dispute, they have posted a foreclosure sale date of XX/XX/XXXX, which is improper under RESPA because the servicing error has not been addressed and I still have open, unresolved requests for information and correction.

I am requesting that the CFPB intervene immediately to : 1. Stop or pause the foreclosure process while the dispute is active.

2. Require Mr. Cooper to correct their records and address the misdelivery evidence.

3. Require a proper RESPA-compliant response to my QWR.

4. Reverse all delinquency reporting caused by their error.

Attachments : Proof that their delivery photo shows the WRONG house ( red-brick ).

Photo of my correct home ( white-brick ).

QWR letter + certified-mail proof.

Payment-pause letter sent 2 weeks ago.

Foreclosure notice with sale date.

Any prior correspondence from Mr. Cooper.

I am acting in good faith and requesting immediate review so that a wrongful foreclosure does not occur due to XXXX XXXX errors. 

How the company responded Mr. Cooper ignored my QWR and instead sent my loan to foreclosure. I have now received a foreclosure notice from XXXX, XXXX XXXX XXXX ( signed by XXXX XXXX XXXX, XXXX. ) with a sale date of XX/XX/XXXX. The letter states the entire amount is now due and lists a total of {$270000.00}, but it does NOT provide a reinstatement amount, which prevents me from curing the alleged default. 

This is happening even though : The loan modification packet was misdelivered ( proof shows a red-brick house, not my white-brick house ). 
I never received the documents Mr. Cooper claims I ignored. 
I completed the trial payments in good faith.

Mr. Cooper has not corrected the servicing errors, has not addressed the misdelivery, and has not responded properly to my QWR.

By proceeding with foreclosure while my QWR and dispute are unresolved, Mr. Cooper is dual-tracking, which is prohibited under federal mortgage servicing rules ( 12 CFR 1024.41 ).

I am requesting immediate CFPB intervention to halt foreclosure and force the servicer to correct their errors Certified mail receipt will be uploaded as soon as I return home the letter was mailed more than two weeks ago, and Mr. Cooper has not responded appropriately. I am currently out of state and do not have the certified mail receipt with me, but I will upload it as soon as I return home.

Company response to consumer: Closed with explanation