Consumer complaint received 2024-01-26 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Mr. Cooper Group Inc.
State: HI

Complaint narrative:
On XX/XX/XXXX, I filed a complaint with the CFPB after being extremely harmed by Nationstar Mortgage due to a false claim they made to the court that they are entitled to foreclose on a property that they claimed was their right to service and foreclose in the name of XXXX XXXX  as trustee for a XXXX XXXX. After learning from XXXX XXXX  directly that the debt is not theirs and Nationstar is not working for them, Nationstar continued to seize the property by lying to the court, concealing the truth that they do not represent any claimant that owns the right to enforce anything. They used falsely created documents and a falsely reinstated debt to pull off their counterfeit loan scheme, which resulted in an illegal and wrongful foreclosure that the courts utterly failed to stop despite it being fraud on its face. When the plaintiff trustee admits the debt is not theirs, how can the lying servicer continue to falsely seize a property in the name of the false plaintiff that states they lied? 
Nationstar went even further to commit illegal and deceptive acts by repeatedly violating court orders entered by the courts in Hawaii. While the appellate court ordered a stay of the foreclosure until XX/XX/XXXX, Nationstar seized the title of the property on XX/XX/XXXX, while it was clearly protected in my favor by court order. They further did it stealth so that I would not find out until the time expired to directly impeach their illegal taking. This was a despicable act of fraud and after I presented to Nationstar and their lawyer that there was a court ordered stay in place by a higher court and they must transfer title back to me due to it being an illegal seizure without authority to do so, and done against a court order thereby causing undue and irreparable harm, they ignored my request and refused to fix their fraudulent taking. It has caused incredible prejudice to my rights to own my property, which I have owned since XXXX, and I'm not the borrower on that loan. The borrower is long gone, the debt has long ago expired and yet Nationstar seized the property in the name of a false plaintiff in spite of it. 
That caused me to file with the CFPB a complaint after becoming a victim of their fraudulent taking that they knew was false, yet proceeded to steal my property through a wrongful set of illegal acts that they got away with because of the incredible biased in the courts against pro se litigants. Nonetheless, fraud and illegal acts that deprive homeowners of their homesteads when no right exists to that entity to make any claim, must not be allowed to stand, and yet no justice has been served because Nationstar has ignored its obligation to act in good faith and fair dealing, and they utterly lied to the courts and judges to seize land based on a counterfeit debt that does not have any attachment to the property at all. This account was so old and beyond the Statute of Limitations which Nationstar ignored also despite the acceleration event in XXXX, which then caused the debt to expire XXXX years later. 
Once the CFPB got the prior complaint on XX/XX/XXXX, Nationstar then lied to both myself and the CFPB by acknowledging the complaint and saying they would respond by XXXX XXXX, XXXX. But no further response was ever provided. This complaint has different exhibits to it than the prior complaint because it is for the purpose of showing the CFPB that Nationstar has figured out how to get around the CFPB review process by inserting their first response to be one that gives nothing but a promise to respond shortly, which they never fulfill, making that also false on its face. Therefore, this complaint is being filed to show the CFPB that Nationstar is exploiting their regulatory review process by falsely committing to giving the consumer a response when in fact they have no intention to do so. I have been irreparably harmed by Nationstar 's false claim based on a fake mortgage account that does not exist, that expired a long time ago, that they falsified to the court and the appellate court, then violated court orders to steal a property that they had absolutely no right to claim. XXXX can not be allowed to stand especially with such willful and oppressive acts as I have fallen victim to with this hostile taking of my land. I have been unable to get any justice, or achieve any protection from the courts or regulators and this is outrageous if mortgage servicers can lie to this extent and still be granted homesteads where there is absolutely NO DEBT TO REPAY. They committed identity theft, fraud in the court, theft of property, theft of title, wrongful foreclosure, all based on a falsely reinstated debt that is not even the same terms of the original loan. Nobody authorized their counterfeit creation and yet it is impossible to get Nationstar to respond to their illegal acts taken in the name of a false creditor. XXXX XXXX said they are lying and they do not have any record of this debt, but somehow they succeeded at their criminal seizure of my homestead without any regard for the consequences of their actions.

See Exhibit A, which includes my urgent notice to Nationstar informing them of my learning of their illegal transfer of title, and Exhibit B, which includes XXXX different letters from Nationstar promising they will respond by a certain date, which they completely ignored and left me without any further response. They are exploiting the CFPB process and exploiting consumer rights by unfairly deceiving regulators and courts with their false statements and acts taken as an imposter, acting in the name of a fake creditor. There is no way to resolve this anymore without assistance from the CFPB. I pray for justice and for assistance to stop these illegal acts.

Company response to consumer: Closed with explanation