Consumer complaint received 2021-07-15 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
I was given a Line Of Credit through XXXX  XXXX XXXX on XX/XX/XXXX after trying to consolidate my bills with them. I am an elderly woman XXXX years old and I guess I didn't understand what happened. My home was paid for by my son before receiving the card they gave me for {$50000.00}. XXXX  XXXX XXXX used my home as collateral, which I didn't want to do, but they said I had to for the consolidation to take place. I used about {$7000.00} off the card and paid minimum payments, but never missed a payment. It is still showing from an online statement I had my friend print out on XX/XX/XXXX as having a balance of {$5600.00}. After a few months I started getting letters to foreclose if the balance wasn't paid in full. I learned they had put my house in the newspaper from my son who was told by a friend and he moved back home with me to see what was going on. XXXX XXXX XXXX sold my account to Nationstar. My son helped me file Bankruptcy sometime around XX/XX/XXXX I believe, and paid them out of his pocket.The attorney XXXX XXXX in XXXX handled it. It took five years to pay what I thought was for my creditors consolidation, and to stop foreclosure caused by not paying the full balance every month on the card which I only used {$7000.00} or less, but because it was my house used as collateral, they found an easy way to foreclose on it. I didn't understand at the time if I only made minimum payments, they could default the loan and request full payment or put the house in foreclosure. I received the final cure payment notice on XX/XX/XXXX. My son helped me pay {$1100.00} a month for five years and now I have a paid in full statement from Nationstar. As soon as I thought it was over, around XX/XX/XXXX, Mr. Cooper started sending me a statement for over {$19000.00} threatening foreclosure and Specialized Servicing for over {$5000.00}. XXXX  XXXX XXXX sold servicing to them in XXXX. It's very confusing because I remember receiving statements from Mr. Cooper back in XX/XX/XXXX labeled Mortgage payoff statement and the payment due date was XX/XX/XXXX. The total amount to pay the loan in full then thru XX/XX/XXXX was {$33000.00}. I never had creditors that were even close to that kind of money put together. How did that type of money come about. My home was paid for during my son 's last two years of Military service, so there was no Mortgage payments. All I should have had to pay was for the line of credit full amount of a little over {$7000.00} plus interest, my creditors consolidation which I asked XXXX  XXXX XXXX to handle for me, for which I was given the {$50000.00} card that came in the mail, and the servicing of the account. Where did {$66000.00} come from because that's what we have ended up paying and they're still threatening us to pay more from these two companies. For What! I have had a XXXX in the past and all this is stressing me out and I don't want to have another. I get {$700.00} a month. If it weren't for my son, I couldn't do it. Why am I still paying these people for a mortgage that never was, only as collateral, and servicing when the account is paid in full. I don't understand a lot, and my friend is helping me contact you. She has been a blessing to me. She found online about the lawsuits against Nationstar/Mr. Cooper and said it sounds like fraud. I don't even know how I was even charged over {$66000.00} and they are still threatening to take my house. My son just sent Mr. Cooper more money last month and this month to prevent that from happening because we don't know what to do. We can't keep paying these people and we shouldn't owe anything at all. There is no account to be serviced, it is paid in full, so what are they servicing. They had been paying Hazard Insurance and taxes, which I understand, and I see where they paid Flood Insurance, but my son just took out a Flood Insurance Policy also. Nationstar is the same as Mr. Cooper, so how can they collect in both names. I can't seem to get an understanding from them. I took the statement from Mr. Cooper to XXXX XXXX the Bankruptcy Attorney who handled my payments to Nationstar sometime in XXXX, and she told me if I get any more tear them up because I am paid in full. I'm afraid to not pay due to the foreclosure threats. My son sent a payment in both XXXX and XXXX I think it was. {$1500.00} one payment and about {$1000.00} I believe before that.. You will be corresponding with me through my friend who has a computer and is very knowledgeable. I feel we have been frauded out of a lot of money. They keep sending them and threatening foreclosure. What can I do. It's getting unbearable. I haven't had a day of peace since I received my paid in full statement from Nationstar. I had my friend help me send a message online to Mr. Cooper and as of XX/XX/XXXX I believe, but have no response. I received a call from a gentleman yesterday who said he was from Mr. Cooper and he would be calling me today XX/XX/XXXX and putting my son and I on a three way with my friend who helps me to explain and answer any questions. Noone called yet.

Company response to consumer: Closed with explanation