Consumer complaint received 2019-05-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: AZ

Complaint narrative:
I hereby as a matter of urgency, want to report illegal wrongful foreclosure procedures by lender Mr Cooper a.k.a. Nationstar   mortgage ( of XXXX XXXX XXXX XXXX, XXXX, TX XXXX ), as well as their attorneys, the XXXX XXXX XXXX ( of XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CO, XXXX ) The scope of their lies goes way beyond negligence and mistakes. 

I bought my house in XX/XX/XXXX. Due to financial hardship in XXXX, I fell behind on my mortgage payments. I have been attempting to communicate effectively with the lender about my hardship and willingness to pay the arrears since XX/XX/XXXX. 

Subsequently, on XX/XX/XXXX, I submitted an application for loan modification. I received a letter from the lender, dated XX/XX/XXXX, stating " the evaluation period for loss mitigation options has now begun and is generally 30 days. Because you timely submitted a complete Borrower Response Package, you are entitled to certain foreclosure protections during the evaluation period and, as applicable, either we will not commence or initiate foreclosure proceedings or if foreclosure proceedings had already been commenced or initiated prior to our receipt of your application, we will not move forward with a foreclosure sale before evaluating your complete application. '' I was furthermore informed by the lender that they also informed their lawyers, the XXXX XXXX XXXX, on XX/XX/XXXX, to put my case on hold. On several occasions the lender confirmed, in writing, that my case was still on hold. However, during this same period, between XX/XX/XXXX and XX/XX/XXXX, while the case was on hold ( as they confirmed numerous times, in writing ), their lawyers wrongfully and deliberately continued with dual tracking foreclosing proceedings, arranging and advertising the foreclosure sale, running up unnecessary costs and fees in the amount of approximately {$4600.00}. ( {$2200.00} attorney fees, plus {$2400.00} Trustee fees and costs ), which they are now trying to force me to pay or sell my property. 

Their wrongful procedures and deceptive tactics of steering the case to a foreclosure sale, while the case is on hold, is blatant illegal dual-tracking. As a result of their wrongful dual tracking procedures, I never had the opportunity of exercising my legal right to any loss mitigation options that was by law supposed to be available to me. Neither was I allowed my right to reinstate my loan for the correct amount. 

I have stated to the lender on several occasions that I am fully willing and able to re-instate my loan, by paying all outstanding mortgage payments and reasonable fees. However, I am vigorously contesting the illegally, unreasonable and unnecessary fees charged by this lender and their law firm in their unscrupulous practices. 

By law, this lender is not relieved from its obligations by their lawyers actions. Their law firm are still proceeding with this wrongful attempted foreclosure sale, scheduled for XX/XX/XXXX through the XXXX County Public Trustee, while the lender fraudulently keeps informing me that the case is on hold and that all foreclosure proceedings has been halted. 

I have also mailed the Notice of error to the lender on XX/XX/XXXX. Nevertheless my numerous attempts to have them correct their mistakes and re-instate my loan as per my legal right, this lender and their lawyers are continuing with fraudulent foreclosing proceedings, violating our agreement and all applicable laws, causing me severe harm in the process. 

I therefore as a matter of urgency request that you step in and help protect me against the unfair practices by lender, Mr Cooper ( also known as Nationstar Mortgage ) and their Lawyers, the XXXX XXXX XXXX.

Company response to consumer: Closed with explanation