Consumer complaint received 2025-04-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Mr. Cooper Group Inc.
State: DC

Complaint narrative:
I am filing this complaint against Nationstar Mortgage LLC ( dba Mr. Cooper ) and its foreclosure attorney XXXX XXXX XXXX, as well as a third-party entity, XXXX XXXX XXXXXXXX XXXX XXXX XXXX and its financier, XXXX XXXX XXXX for wrongful foreclosure, mortgage servicing abuse, fraudulent deed filings, and misuse of IRA funds XXXX take control of my home without a valid sale or legal authority. 

I have lived in and maintained my home in XXXX, DC since XXXX. Nationstar became my servicer after XXXX  XXXX XXXX, and I was in the process of a valid loan modification under the Making Home Affordable Program. Despite having completed all steps and documentation with XXXX and XXXX XXXX XXXX, Nationstar failed to honor the approved terms and claimed I was in default. They then submitted false and inflated balances, refused to provide a full payment history, and referred the loan to XXXX XXXX XXXX, who initiated a foreclosure based on those misrepresented figures. 

The foreclosure was based on inaccurate information and lacked proper documentation. Nationstar issued a payoff letter in XX/XX/XXXX for approximately {$140000.00}, yet previously claimed balances over {$300000.00}. The foreclosure went through under disputed circumstances, and no valid trustee deed was recorded showing a proper chain of title or foreclosure sale. 

In XXXX, an entity called XXXX XXXX XXXX, XXXX appeared, claiming to have purchased my property from Nationstar. However, they filed XXXX conflicting deeds : XXXX unrecorded deed submitted in court, and another deed that was recorded in XXXX XXXX listing different sales prices and questionable notary details. Neither deed contains proper seals, and XXXX contains forged or inconsistent signatures. Both were used to assert ownership and initiate eviction proceedings against me, despite no notice and while the property remains under active legal dispute. 

The purchase by XXXX XXXX XXXX, XXXX was allegedly funded through a self-directed IRA account controlled by XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX or another custodian, which raises serious concerns. These transactions do not appear to have gone through a valid title company, escrow process, or compliance review, and may constitute abuse of IRA investment systems to fund unlawful property XXXX. 

I believe Nationstar facilitated this unlawful transfer and may have coordinated with XXXX XXXX XXXX and First Hand Land to unlawfully deprive me of my home. The documents submitted to the land records and courts violate XXXX property law, consumer protection standards, RESPA, and potentially federal fraud statutes. 

I respectfully request the CFPB investigate the following : Nationstar 's false reporting of balances and refusal to honor a prior loan modification Foreclosure irregularities and fraudulent filings by XXXX XXXX XXXX Submission of conflicting, forged, or unlawful deeds by XXXX XXXX XXXX, XXXX The role of XXXX XXXXXXXX XXXX in financing this disputed transfer Any systemic abuse of mortgage servicing standards, foreclosure law, or consumer rights This situation has caused me extreme stress, harmed my credit, and placed me at risk of displacement from my home, despite years of effort to resolve this matter in good faith. I have also filed complaints with HUD, XXXX, XXXX, and the FBI due to the severe nature of this misconduct.

Company response to consumer: Closed with explanation