Consumer complaint received 2025-09-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mr. Cooper XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX \nMr. Cooper and employees ignored my original FHA Mortgage Loan with XXXX XXXX XXXX XXXX during the transfer on XXXX XXXX XXXX; the transfer date is posted on FTC website. (See Exhibit 2) \nI submitted several complaints to CFPB against Mr. Cooper and employees for ignoring FHA/HUD Mortgage and Loan transferring guidelines.  Mr. Cooper and employees continue to manipulate federal government guidelines behind a close door system.  This closed-door system prevents consumers from filing legal litigation against Mr. Cooper and employees.  Please review response letters from Mr. Cooper and employees on April 11, 2025, (See Exhibit AA). \nThe final and formal complaint against Mr. Cooper Mortgage and employees has not been resolved since XXXX.  This fraudulenXXXX XXXX XXXX XXXX  was established XXXX XXXX XXXX, as a Private Mortgage Insurance Premium (PMI) where additional mortgage insurance was collected; during the transfer of my original FHA/HUD Loan with XXXX XXXX XXXX XXXX which was established on XXXX XXXX XXXX.\nPlease review all complaints on my behalf against Mr. Cooper and employees inside Consumer Protection Burera database to present.  \n\nIntroduction: \n1. Facts: Year XXXX\nMy original FHA/HUD loan was with Dovenmuehle Mortgage, Inc., servicer for XXXX XXXX XXXX XXXX established on November 28, XXXX, under FHA/HUD guidelines. \nI requested legal documents from XXXX XXXX XXXX XXXX on November 8, 2018, before the transferring of my FHA/HUD Loan with Mr. Cooper. Please see (Exhibit A1 & A2).   \n\n2. Facts: Year XXXX  to XXXX\nAs a homeowner, I selected to pay the upfront MIP amount on XXXX XXXX XXXX, to XXXX XXXX XXXX  Loan server for XXXX showing on my Mortgage Interest Form 1098 Copy B in XXXX. My Mortgage Insurance Premium (MIP) was Paid from XXXX \nPlease see Exhibits listed below for XXXX XXXX XXXX  1098 Form for year XXXX XXXX XXXX  MIP (Exhibits). \n\nXXXX XXXX XXXX  1098 Mortgage Interest Form-Copy B Exhibits:\na.\tExhibit A3: XXXX\t\t\t1098 Form-Upfront FHA/HUD (MIP)-Paid $ XXXX\nb.\tExhibit A4: XXXX XXXX XXXX\t\t1098 Form- FHA/HUD (MIP)-Paid\nc.\tExhibit A5: XXXX & XXXX\t\t1098 Form- FHA/HUD (MIP)-Paid\nd.\tExhibit AA6: XXXX\t\t1098 Form (FHA/HUD (MIP)-Paid: met conditions of 78% LTV-MIP and was removed from 1098 Form Box 5).\n\ne.\tExhibit A6: XXXX\t\t1098 Form (FHA/HUD (MIP) was Paid both years. \n\n\n3. Facts: \nMy complaint is based on a fraudulent XXXX XXXX XXXX XXXX created by Mr. Cooper and employees during the transferring of my FHA/HUD loan on XXXX XXXX.  Be mindful that my original FHA/HUD loan was already established with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and met FHA guidelines for removal of Mortgage Insurance Premium. \n\nMr. Cooper and employees continue posting inflated Yearly Private Mortgage Insurance (MIP) premium; into a new escrow account on February 1, 2019.  Mr. Cooper and employees continue collecting (Private Mortgage Insurance (PMI) for additional (5) years after the transferring of my original FHA/Loan with XXXX XXXX XXXX XXXX  on XXXX XXXX XXXX\n\n** Please review Mr. Cooper original response letter stipulating I had a Private Mortgage Insurance (PMI) loan account on XXXX XXXX XXXX   See (Exhibit AA) again.    \n\nExhibit (A6): XXXX XXXX, was during the transferring of my FHA/HUD mortgage loan between XXXX XXXX XXXX XXXX and Mr. Cooper on XXXX XXXX XXXX\nMr. Cooper and employees continue collecting for additional five years under a Phantom new mortgage loan for a Private Mortgage Insurance (PMI) escrow account: XXXX  1098 Mortgage Interest Form-Copy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX showing I meet the conditions of 78% LTV under a Fraudulent Phantom mortgage loan under a Private Mortgage Insurance (PMI) loan; from  XXXX XXXX XXXX XXXX XXXX XXXXMr. Cooper and employees ignored the United State Department of Housing and Urban \nDevelopment guidelines and violated Mortgage Insurance Premium regulation and refuse to acknowledge Mortgage Letter 00-38 dated XXXX XXXX XXXX See (Exhibit A10). \n\nAccording to Mortgage Letter 00-38 \n Shortened UFMIP Refund Schedule Currently, borrowers paying off (or refinancing) their FHA loans within seven years from the date of closing, are entitled to a partial refund of UFMIP paid at closing.  The refund schedule is now being shortened for loans closed on or after XXXX XXXX XXXX, to a five year time period.  The new refund schedule will be issued in a separate Mortgagee Letter.\n\nCanceling FHAs Annual Mortgage Insurance Premiums\nIn the past, some FHA borrowers have paid annual mortgage insurance premiums throughout the life of their mortgages.  Effective for all loans closed on or after XXXX XXXX XXXX FHAs annual mortgage insurance premiums will be automatically canceled under the following conditions:  \n\n\tFor mortgages with terms more than 15 years, the annual mortgage insurance premiums will be canceled when the loan to value ratio reaches 78 percent, provided the mortgagor has paid the annual mortgage insurance premiums for at least five years. \n\nConclusion:\nAfter doing a complete audit and investigation regarding my original FHA loan with Pacific Union Financial on XXXX XXXX XXXX.  I was able to understand the structure and design of what a fraudulent Phantom loan process looks like and how it was implemented by Mr. Cooper and employees for so many years; from XXXX XXXX  to XXXX XXXX. \nMr. Cooper intentionally ignored potential red flags and failed to perform due diligence on my FHA Mortgage loan transfer on XXXX XXXX XXXX.  Mr. Cooper and employees intentionally misrepresenting my FHA Mortgage Insurance Premium loan cancelation under FHA Mortgage Letter 0038.\nMr. Cooper is in violation of FHA noncompliance requirements. Mr. Cooper also intentionally ignored potential red flags and lacked knowledge of the difference between Private Mortgage Insurance (PMI) and FHA/HUD Mortgage Insurance Premium (MIP). Mr. Cooper must be held accountable under Federal Housing Authority (FHA) and the U.S. Department of Housing and Urban Development for ignoring circumventing (FHA)Oversight. \nMr. Cooper falsely certified a Phantom mortgage loan that does not comply with FHA underwriting standards and when borrower was eligible for MIP removal in 2017 but continue to apply a new (PMI) payment for a total of ten (10) years under an original FHA/HUD mortgage loan that was established on XXXX XXXX XXXX  \n1. Substantial evidence shows that my original FHA Mortgage Loan started on XXXX XXXX XXXX with XXXX XXXX XXXX  2. Substantial evidence shows I paid Upfront Mortgage Insurance Premium (MIP) in 2012.  3. Substantial evidence shows my Mortgage Insurance Premium MIP was removed in XXXX  on copy B; and showing total amount of (MIP) upfront Mortgage Insurance Premium (MIP) was paid for year 2017 the amount of XXXX XXXX\n\nXXXX XXXX XXXX against Mr. Cooper and Employees:\n\nI am submitting a short synopsis of what, when, how and why Mr. Cooper Company created a new fraudulent mortgage Phantom loan transaction without my knowledge that executed a Private Mortgage Insurance (PMI) payment into a new loan/ escrow account over five years from XXXX. (these criminals got paid). I want my money from XXXX  to XXXX.  \nThe new XXXX  fraudulent mortgage loan transaction was created during and after the transferring of my FHA Mortgage Loan with XXXX XXXX XXXX XXXX on XXXX XXXX XXXX by Mr. Cooper/employees.\n\n1.\tWhat Happen:\n\na.  Mr. Cooper created a new mortgage loan without my knowledge permission or signature, which is identity theft and mortgage fraud.  \nb.  Pacific Union Financial and I both know that my original FHA/HUD Mortgage loan was established on XXXX XXXX XXXX, and the original conditions remain the same under the umbrellas of FHA/HUD guidelines (See CFPB Exhibits). \n\n2.\tWhen: \n\nc.\tMr. Cooper and employees created a Phantom Loan that was established before the transfer date of XXXX XXXX XXXX   Mr. Cooper as the new mortgage servicer lender utilized the Phantom Loan method under false pretense to increase financial revenue internally.  \nd.\tMy original FHA/HUD loan date, schedule and Amortization Principal balance was changed by Mr. Cooper/employees during the mortgage loan transferring in XXXX XXXX  through XXXX XXXX XXXX \ne.   Mr. Cooper and employees ignored FHA/HUD guidelines during loan transferring and fail to report a new mortgage loan that was not created through FHA/HUD Mortgage notification database system from XXXX XXXX XXXX XXXX XXXX.  \nf.   Instead, Mr. Cooper/employee concealed the original FHA mortgage loan creation without the knowledge of XXXX XXXX and Federal Housing Authority (FHA) for five years to present.  \ng.\tAlso, Mr. Cooper utilized a fraudulent hidden agenda against every Federal Lending Government Mortgage institution and agency; by an invisible system that was based on embezzlement and loan filtering, sifting, and mortgage lending manipulation when using transferring loans calculations implantations from XXXX XXXX to XXXX XXXX XXXX.      \nh.\tWhen Mr. Cooper/employees created this XXXX XXXX, a fraud scheme under section code 18 U.S.C 1010 was implemented which is illegal to make false statements to influence FHA-insured transactions against Charlotte DeVance FHA/HUD Mortgage Loan that was established in XXXX XXXX \ni.\tIn XXXX XXXX XXXX XXXX Mr. Cooper/employees failed to notify me about a new mortgage loan being reinstated. This would be considered as a fraudulent second mortgage loan based on the creation, loan application, legal documents and signatures for mortgage approval missing. \nj.\tInstead, Mr. Cooper/employees created under false pretense a second mortgage loan even though my original FHA/HUD loan didnt change, because my FHA loan was protected under FHA loans guidelines that were established between XXXX XXXX and XXXX XXXX.  So, Mr. Cooper/employees continue to manipulate financial calculations by utilizing additional Mortgage Insurance Premium that started XXXX XXXX XXXX \nk.\tMr. Cooper Mortgage and employees use my original XXXX XXXX  FHA/HUD loan identifier number, to create a new mortgage loan without my signature, permission or knowledge.  Mr. Cooper and employees fail to obtain an official Mortgage Amortization Schedule which would show manipulation calculations in Mr. Cooper database on XXXX XXXX XXXX. (See CFPB Exhibits).\n3.\tHow:\nl.\tIn XXXX XXXX, during the transferring of my original loan Mr. Cooper and employees utilized the method of the XXXX XXXX  The XXXX  XXXX  was based on consumers identity theft and mortgage fraud through a constructed financial method; and on the possibility of securing additional revenue funds for the network of criminals within Mr. Cooper organization.  \nm.\tMr. Cooper and employees were cognitive when creating fraudulent principal balances, payment posting history, fraudulent mortgage Amortization statement and fraudulent PMI escrow account.  Mr. Cooper and employees continue with FHA mortgage loan services manipulations by creating a new loan to force FHA/HUD Mortgage Insurance Premium (MIP) revenue by continuing applying MIP to XXXX that had stopped in XXXX. (See Exhibit-XXXX Tax Form)\n\n4.\tWhy:\nn.\tThe reason for Mr. Cooper/employees creating a Phantom: loan and fraud was characterized by a material misstatement, misrepresentation and omission in relations to a new mortgage loan coverup because some consumers dont view mortgage documents and lack knowledge of FHA/HUD guidelines; during a mortgage loan transfer.  I never request to refinance or complete a second mortgage loan application. \no.\tMr. Cooper/employees were very aware that under Federal Mortgage Fraud | 18 U.S. Code 1014, which specifically addresses fraud and false statements to financial institutions has severe penalties.  But Mr. Cooper/employees ignored those severe fraudulent penalties after being sued numerous times for mortgage loan violations over the years.\np.  Mr. Cooper/employees were not aware that I had already requested my legal Pacific Union Financial FHA/HUD Mortgage documents from XXXX XXXX to XXXX XXXX  I made sure I received all my legal mortgage documents regarding my XXXX XXXX XXXX  original FHA/HUD loan before the transferred to Mr. Cooper on XXXX XXXX XXXX. \n\n\nThank you,\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXnExhibits in Chronological Order based on current Years of events:\n\n1. Exhibit A10: Year XXXX  \t\tHUD Mortgage Letter 00-38 dated XXXX  27, 2000\n2. Exhibit A3: Year XXXX\t\t1098 Form-Upfront FHA/HUD (MIP)-Paid $XXXX\n3. Exhibit A4: XXXX  & XXXX\t\t1098 Form- FHA/HUD (MIP)-Paid\n4. Exhibit A5: XXXX  & XXXX\t\t1098 Form- FHA/HUD (MIP)-Paid\n\n5. Exhibit AA6: XXXX\t\t\t1098 Form (FHA/HUD (MIP)- Paid met conditions of 78% \nLTV-MIP. MIP removed/from 1098 Form Box 5.\n\n6. Exhibit A11: XXXX-XXXX\t\tXXXX XXXX District Appraisal Property Value\n7. Exhibit A6: 2018 \t1098 Form-FHA/HUD showing- FHA/MIP Reinstated.\n\n8. Exhibit A1: Nov-18-2018\tRequested FHA mortgage loan information. XXXX XXXX XXXX response back; XXXX XXXX XXXX  (front page).\n\n9. Exhibit A2: XXXX\tRequested FHA mortgage loan information. XXXX XXXX XXXX response back; XXXX XXXX XXXX (back page).\n\n10. Exhibit 2: XXXX\tFederal Trade Commission (FTC) information on Transfer between Mr. Cooper and XXXX XXXX XXXX XXXX XXXX XXXX XXXX.\n\n11.Exhibit A7: XXXX XXXX XXXX \t1098 Form- Removed FHA/MIP/ Reinstated (PMI)\n12.Exhibit A8: Year XXXX  \t1098 Form- Removed FHA/MIP/ Reinstated (PMI)\n13.Exhibit A8: Year XXXXt1098 Form- Removed FHA/MIP/ Reinstated (PMI)\n14.Exhibit AA: XXXX XXXX\tI requested FHA Mortgage Insurance to stop through CFPB website; received response back on XXXX Mr. Cooper employee stated I had a (PMI) instead of an FHA MIP loan.\n\n15.Exhibit AA: XXXXtI requested FHA Mortgage Insurance to stop through CFPB website; received response back on XXXX Mr. Cooper employee stated I had a (PMI) instead of an FHA MIP loan.\n\n16.Exhibit AA: XXXX XXXXI requested FHA Mortgage Insurance to stop through CFPB website; received response back on XXXX  Mr. Cooper employee stated I had a (PMI) instead of an FHA MIP loan.\n17.Exhibit A9: XXXX \t\t1098 Form- Private Mortgage Insurance (PMI) stopped.\n** showing I meet the conditions of 78% LTV under a Fraudulent XXXX mortgage loan under a Private Mortgage Insurance (PMI) loan; from XXXX  to XXXX.\nReferences: CFPB Complaints-\n\n1.\tSee- Consumer Finance Government Complaint for:\nXXXX XXXX Complaint #XXXXXXXX\nTo: Nationstar Mortgage LLC, d/b/a Mr. Cooper \nXXXX XXXX XXXX XXXX XXXX Texas. XXXXn\nRegards To: MIP Cancellation Request on: XXXX XXXX XXXX\nAttention: Mr. Cooper Corporate Office Executives: XXXX XXXX XXXX Compliance, JXXXX XXXX, Senior Vice President Business Management, Mr. XXXX XXXX XXXX-Founder, President & CEO, XXXX XXXXChief Financial OfficerXXXX XXXX XXXX XXXX & Chief Production Officer, Human Resources and United States HUD.\n\nSTATUS: Submitted to the CFPB on XXXX\nWe received your complaint. Thank you. CLOSED (XXXX\n2.\tSee- Consumer Finance Government Complaint for: XXXXnXXXX XXXX Complaint #XXXX\nTo: Nationstar Mortgage LLC, d/b/a Mr. Cooper \nXXXX XXXX XXXX XXXX XXXX, Texas. XXXX\n\nRegards To: MIP Cancellation Request on: XXXX\nAttention: Mr. Cooper Corporate Office Executives: XXXX XXXX XXXX Compliance, XXXX XXXX, Senior Vice President Business Management, XXXX XXXX XXXX XXXX-Founder, President & CEO, XXXX XXXXChief Financial Officer. XXXX XXXX XXXX & Chief Production Officer, Human Resources and United States HUD.\n\nSTATUS: Submitted to the CFPB on XXXXnWe received your complaint. Thank you. CLOSED- XXXXn3.\tSee- Consumer Finance Government Complaint for:\nXXXX XXXX Complaint #XXXX\nTo: Nationstar Mortgage LLC, d/b/a Mr. Cooper \nXXXX XXXX XXXX XXXX XXXX Texas. XXXX\n\nRegards To: MIP Cancellation Request on: XXXX\nAttention: Mr. Cooper Corporate Office Executives: XXXX XXXX XXXX Compliance, XXXX XXXX, Senior Vice President Business Management, XXXX XXXX XXXX XXXXFounder, President & CEO, XXXX XXXXChief Financial Officer. XXXX XXXX XXXXMD & Chief Production Officer, Human Resources and United States HUD.\n\nSTATUS: Submitted to the CFPB on XXXX\nWe received your complaint. Thank you. CLOSED- (XXXXnReferences Continue: CFPB Complaints-\n\n4.\tSee- Consumer Finance Government Complaint for: XXXX\nXXXX XXXX Complaint # XXXX-XXXX\nTo: Nationstar Mortgage LLC, d/b/a XXXX XXXX  \nXXXX XXXX XXXX XXXX XXXX Texas. XXXX\n\nRegards To: MIP Cancellation Request on: XXXX\nAttention: Mr. Cooper Corporate Office Executives: XXXX XXXX XXXX Compliance, XXXX XXXX Senior Vice President Business Management, XXXX XXXX XXXX XXXXFounder, President & CEO, XXXX XXXX-Chief Financial Officer. XXXX XXXX XXXX & Chief Production Officer, Human Resources and United States HUD.\n\nSTATUS: Submitted to the CFPB XXXX\nWe received your complaint. Thank you. CLOSED- XXXX\n\n5.\tSee- Consumer Finance Government Complaint for: XXXXnXXXX XXXX Complaint #\nTo: Nationstar Mortgage LLC, d/b/a Mr. Cooper \nXXXX XXXX XXXX XXXX XXXX Texas. XXXX\n\nRegards To: Mr. Cooper Mortgage XXXX  Loan Fraud: \nAttention: XXXX XXXX Corporate Office Executives: XXXX XXXX XXXX Compliance, XXXX XXXX Senior Vice President Business Management, XXXX XXXX XXXX XXXXFounder, President & CEO, XXXX XXXXChief Financial Officer. XXXX XXXX XXXX  & Chief Production Officer, Human Resources and United States HUD.\n\nSTATUS: Submitted to the CFPB on \nWe received your complaint. Thank you. CLOSED- XXXX Department of Housing and Urban Development (DHUD)\n2. Office Of Inspector General\n3. Federal Trade Commission (FTC)\n4. FHA Mortgagee Review Board (MRB)\n5. Department of Justice (DOJ)'

Company response to consumer: Closed with explanation