Consumer complaint received 2025-01-29 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Mr. Cooper Group Inc.
State: VA

Complaint narrative:
Rushmore Servicing used XXXX XXXX XXXX to perform a Wrongful Foreclosure with Mortgage Servicing Abuse to auction my property to the highest bidder at a non-judicial foreclosure on XX/XX/XXXX, in the State of Virginia. The State of Virginia has precise guidelines that must be followed for a legal foreclosure sale. Not one legal step was followed by Rushmore Servicing or XXXX XXXX XXXX, their Trustee. 

XX/XX/XXXX, about twelve hours before the auction of my home, was the first time I learned about any foreclosure proceedings of my property. I received a phone call from the State of Alabama informing me that my house was to be sold the next morning at XXXX XXXX on the courthouse steps due to my mortgage being foreclosed. I was completely blindsided by this news. 

XX/XX/XXXX, I called Rushmore Servicing to inform them that I could prove my documented income so we could proceed with my loan modification. I asked how should I send it to them. I could send them a letter or a bank statement showing the corrected deposits from XXXX XXXX income. The Rushmore representative would never answer my question. He told me that they had many plans for people in my situation. I tried to set an appointment to go over the different programs with him but he would not commit. He told me that he would get in touch with me in a few weeks. I never heard from Rushmore Servicing again. No letters, no phone calls, no monthly statements, or any certified mail, was ever delivered to my address. 

After XX/XX/XXXX, the date my property was auctioned, I filed complaints with every Statewide and Federal agency informing them about this illegal proceeding. Every agency has responded and is watching to see how this situation is concluded. I would not have filed so many complaints unless I knew I was correct in my position. 

After receiving copies of the papers that I should have received but did not, some of them just didn't appear clear with their intent. The more I examined documents from XXXX XXXX XXXX, the Trustee who handled this Wrongful Foreclosure, the dates or their documents are physically impossible. 

A letter dated XX/XX/XXXX, is the Notice of Sale of my property on XX/XX/XXXX. That letter was time stamped into the United States Postal Service system on XX/XX/XXXX. The time stamp on XX/XX/XXXX is marked " REFUSED ''. I would never refuse a certified letter. How could I " REFUSE '' a letter that was written the previous day? Additionally, included with the letter written and " REFUSED '' on XX/XX/XXXX and XX/XX/XXXX of XXXX, is a signature page, showing the authorization of the foreclosure attorney that is notarized. The signature page is dated XX/XX/XXXX. The letter is attesting to the delivery of the XX/XX/XXXX letter. Interestingly, the signature page is generate. It simply states " The above referenced property. '' There is no specific address mentioned on this Notarized document. This notarized signature page could be used for many different files that would fit into the specific timeframe. Was I supposed to have received all of the furnished documentation declaring I received this Notice of Sale from XXXX XXXX XXXX together in a Certified Letter marked " REFUSED '' on XX/XX/XXXX. The notarized signature page was signed five days before the auction of my property took place. 

The processing of XXXX XXXX XXXX 's letters are physically impossible. Their certified letter is currently lost in the USPS system as of today. It can not be located anywhere according to their tracking service. 

Not one step of the very specific guidelines required by the State of Virginia for any type of Foreclosure was followed. I have all of the proof. 

Just for everyone 's information, I have lived in my home for twenty-three years. After I informed my Mortgage Servicing Agency of my XXXX status and my XXXX income source. A quiet fast-forward foreclosure process began with the assistance of their henchmen of XXXX XXXX XXXX XXXX All of this was done without my knowledge. I was not afforded due process. Not XXXX letter concerning this subject ever reach me. I believe I should have received three Certified letters along with copies through First Class Postage. They were never delivered either. 

One last thing, I have to be out of my house, of twenty-three years, before XX/XX/XXXX. This entire situation is fraudulent and I will not stop calling out all these wrong behaviors. Nothing about this situation is ethical or legal. I hope justice will prevail! 

Thank you for reading this statement of events.

Company response to consumer: Closed with explanation