Consumer complaint received 2025-01-08 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
UNSWORN DECLARATION UNDER PENALTY OF PERJURY State of [ Your State ] County of [ Your County ] Declarant : XXXX XXXX : [ Your Address ] I, XXXX XXXX, declare under penalty of perjury pursuant to 28 U.S.C. 1746, that the following is true and correct to the best of my knowledge : 1. XXXX XXXX XXXX. My full legal name is XXXX XXXX. My contact address is XXXX XXXX XXXX XXXX, XXXX XXXX, Texas XXXX. 
XXXX. This declaration serves as an amendment to FTC Identity Theft Report XXXX. XXXX, originally filed on XX/XX/XXXX, regarding a fraudulent real estate loan. 
2. Summary of Identity Theft 2.1. On XX/XX/XXXX, a fraudulent real estate loan ( XXXX XXXX : XXXX ) was created using my personal information without my knowledge, consent, or authorization. 
2.2. The fraudulent loan purports to reinstate a Federal Housing Administration ( FHA ) loan related to my property located at [ Property Address ]. However, the original foreclosure sale on XX/XX/XXXX, was declared void by court order on XX/XX/XXXX, making the creation of the XX/XX/XXXX, loan unlawful. 
2.3. The fraudulent loan has caused continuous harm, including false reporting to the credit bureaus, unauthorized collection actions, and wrongful foreclosure proceedings. 
3. Nationstar Mortgage LLCs Role in Fraud 3.1. The servicing of the fraudulent loan ( Loan Number : XXXX ) was transferred to Nationstar Mortgage LLC ( operating as Mr. Cooper ) on XX/XX/XXXX. Nationstar Mortgage LLC knowingly participated in servicing and attempting to collect payments on this fraudulent loan. 
3.2. Nationstar Mortgage LLC violated the False Claims Act ( 31 U.S.C. 3729 ) by submitting false or fraudulent claims to HUD regarding this FHA loan : Nationstar knowingly misrepresented the status of the FHA loan to HUD and other entities, claiming the loan was delinquent as of XX/XX/XXXX, despite the foreclosure sale in XXXX being declared void in XXXX. 
By falsely certifying the loan 's validity, Nationstar improperly sought federal funds or FHA insurance benefits related to this fraudulent loan. 

3.3. Nationstar sent a mortgage statement dated XX/XX/XXXX, reflecting a reinstated balance of {$350000.00}, which is tied to the fraudulent loan. This action perpetuated fraud and caused emotional and financial distress. 
3.4. Nationstar Mortgage LLC also caused HUD to issue an incorrect statement in its XX/XX/XXXX, response to Congresswoman XXXX. HUDs response inaccurately portrayed the loan as delinquent since XX/XX/XXXX, further perpetuating the false claim narrative. 
3.5. On XX/XX/XXXX, Nationstar Mortgage LLC materially misrepresented facts to the XXXX Courts, resulting in me being declared a vexatious litigant. This action was a calculated effort to silence me, deny my constitutional right to access the courts, and facilitate the theft of my homes. 
3.6. The vexatious litigant status resulted in significant defamation of character, public embarrassment, and the loss of employment opportunities. As a XXXX XXXX XXXX XXXX XXXX, the vexatious litigant designation and the stress from this ongoing fraud severely impacted my career over the past XXXX years. 
3.7. The sustained stress and anxiety from this fraudulent activity directly contributed to my suffering a XXXX in XX/XX/XXXX. 
4. Timeline of Key Events 4.1. XX/XX/XXXX : Original foreclosure sale conducted ; later declared void. 
XXXX XXXX, XXXX : Fraudulent real estate loan created without my knowledge or consent. 
XXXX XXXX, XXXX : Court voided the XX/XX/XXXX, foreclosure sale and Trustees Deed. 
XXXX XXXX, XXXX : Declared a vexatious litigant due to Nationstars misrepresentations. 
XXXX XXXX, XXXX : Filed FTC Identity Theft Report No. XXXX. 
XXXX XXXX, XXXX : Received a fraudulent mortgage statement from Nationstar Mortgage LLC . 
XXXX XXXX, XXXX : HUD issued an inaccurate response to Congresswoman XXXX based on Nationstars fraudulent representations. 
XXXX XXXX : Suffered a XXXX due to the XXXX  of prolonged fraud and litigation. 
5. Violations and Harm Caused 5.1. Nationstars actions violated the following : 5.2.False Claims Act ( 31 U.S.C. 3729 ) : Knowingly submitting false claims regarding the status and eligibility of the FHA loan to HUD. 
5.3.Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 ) : Engaging in deceptive collection practices on a void and fraudulent loan. 
5.4.Truth in Lending Act ( TILA, 15 U.S.C. 1601 ) : Misrepresenting the legal status of the loan in communications and account statements. 
5.5.Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ) : Falsely reporting the status of the fraudulent loan to credit bureaus, resulting in the need for disputes and removals. 

5.6. Harm caused by these violations includes but is not limited to : Emotional distress due to repeated foreclosure threats and harassment. 
Damage to my creditworthiness, requiring prolonged disputes with credit bureaus. 
Legal and financial burdens related to combating fraudulent claims. 
Denial of access to the courts due to the vexatious litigant designation. 
Defamation of character and public embarrassment caused by the vexatious litigant designation. 
Loss of employment opportunities and adverse effects on my career as a XXXX XXXX XXXX XXXX XXXX 
Physical health consequences, including a XXXX in XX/XX/XXXX caused by XXXX 
6. Request for Action 6.1. I respectfully request : An investigation into the fraudulent creation of the XX/XX/XXXX, loan. 
Immediate cessation of collection and foreclosure activities related to Loan Number : XXXX. 
Comprehensive oversight by HUD and related federal agencies regarding Nationstar Mortgage LLCs conduct. 
6.2. Furthermore, I request that all entities involved in perpetuating fraud be held accountable under applicable federal and state laws.

7. Statement of Truth I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. 
Executed on : XX/XX/XXXX ] Signature : XXXX XXXX XXXX

Company response to consumer: Closed with explanation