Consumer complaint received 2024-07-12 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
Trustee : Federal Reserve Bank XXXX XXXX XXXX On XX/XX/XXXX at approximately XXXXXXXX XXXX EST. I received and opened 8 separate letters that have different names. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ; PRO SE. A consumer could construe that Mr. Cooper does not have a handle on customer service or account administration, the volume and letters and a lack of uniformity in naming convention for sending mail correspondence in addition to the wild variable accounting quotes. This is assumption is made from the above-mentioned correspondence enjoined with XXXX and the Notice of Data Breach that was sent out after the breach in XX/XX/XXXX. The shear amount of documentation that has arrived further illustrates that internal conflict and controversy, that only can come from the keeping of proper records physically and digitally. These stipulate on points of contention that I have made earlier in several affidavits all of which have not been responded observations are also being used to construe the : validation of debt. Even to include the most recent validation of debt letter dated XX/XX/XXXX. The following points of interest are stipulated, below : GINNIE MAE II MBS POOL XXXX XXXXXXXX, is mentioned as the MBS pool  that security is placed in, which means there is no note. See Exhibit XXXX XXXX XXXX XXXX XXXX  XXXX ( XXXX XXXX. ) XXXX ( XXXX ) : The key ruling that a mortgage is a mere incident to the debt, and the assignment of the note carries the mortgage with it. This statement defines a Trust investment vehicle that uses MBS. When the original promissory note was converted into a security in pool XXXXXXXX, it became a security and investment vehicle under a trust. The T ledger that was shared with the FTC in a recent complaint CFPB further evidences that this was not a money loan. In several sets of correspondence Nationstar Mortgage LLC claimed to be the Holder or As Owner. With the documentation that you provided today places those prior claims in jeopardy. 
The Ginne Mae Pool XXXX ( Prospectus ), CUSIP No. XXXX show The Federal Reserve Bank XXXX XXXX XXXX as the Depository and XXXX XXXX XXXX XXXX XXXX XXXXXXXX as the Central Paying and Transfer Agent. See Exhibit C Originally issued by XXXX XXXX XXXXXXXX XXXX, original wet ink signature promissory note ( page left blank intentionally, no note exists only a security interest in the original note exists, geolocation of said note has not be disclosed ). When, Mr. Cooper Group Inc et. al. assumed the security interest you failed to place the security into a REMIC and pay the taxes on this security. See Exhibit D, IRS FOIL Request. This places your investors and Trustees in a very bad position because you did not follow the proper procedure for REMICs. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX ( XXXX XXXX ) : A case reiterating the principle that a mortgage can only be enforced by the holder of the note. The Trustee was not assigned the note and mortgage and that assignment happens at XXXX XXXX level where the real property is recorded. XXXX and MERS are recorded at the County level. Secondly, Nationstar Mortgage LLC and MERS are listed on the MERS database, The Ginnie Mae prospectus discusses the two companies that are not assigned the note or mortgage on public record. 
Therefore, they also do not have any rights to enforce the mortgage or note, no record exists that is not privately held by your or their records custodian. 
1. The whole debt an none in part is in dispute. The promissory note is a now a security, a security that was not placed into a REMIC and properly taxed. The accord and satisfaction letter and draft note was Mr. Cooper was given draft note, and was asked to consider and accept for value. Deposit of said draft note has now created a taxable termination for Mr. Cooper Group et. al. A second letter of accord and satisfaction was sent and not deposited by Mr. Cooper. Mr. Cooper then sent several letters to demand that I pay XXXX XXXX either by direct wire transfer or cashiers check. They are Mr. Cooper Groups bank not mine. 
2. The name and address of the original creditor is requested along with who the person that holds the security. There can not be both a note and a security at the same time. At this point there only is interest in an MBS. 
3. Mr. Cooper will not assume that this debt is valid. No proof has been given to show otherwise in fact I have accumulated over 400 pages of mail and electronic communications that evidences otherwise. 
4. What remains is a breach of trust and a failure to move securities into the proper REMIC. 
5. The equity in the real property is not equity at all when a note is converted it is a secondary holding account. These cash payments are demanded, for a trust de son tort. 
This is overpayment, since the original note is a security. This violates TILA, RESPA, UTC, UCC, IRS, SEC, FAS, GAAP, and this list continues to grow. 

In the meantime, please ensure that you pay the proper taxes and have XXXX XXXX remit the value of the value of the note into my checking account. 
It appears that the same players are using the same plays, See NYS U.C.C. Section 3-804, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX ) whether, in the absence of physical possession of the original note or valid assignment thereof, the plaintiff, as a matter of law, lacks standing. The UCC also gives several means to cure, however, Nationstar Mortgage LLC and Mr. Cooper both are entrenched in stating Nationstar Mortgage LLC is As Owner, Holder, and have the note. The proper use term is Holder in Due Course. Mr.Cooper is not the holder in due course. See In re XXXX XXXX, XXXX XXXX XXXXXXXX. The originaldebt was a NEW LOAN NO CASH. The mortgage has been paid since day one! See XXXXXXXX XXXX XXXX XXXXXXXX XXXX ( XXXX XXXX. ) XXXX ( XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) Upon Receipt of this letter, it is requested that your tender me a letter of mortgage satisfaction. You have not validated the debt you have proven the exact opposite your statements in the letter invalidate your claim to recoup any debt claims. 
The reasonable receipt and response time of this correspondence will be 14 business days, upon receipt of this set of correspondence. Failure to respond with the mortgage satisfaction letter will result in the following agencies being noticed IRS for tax evasion, SEC for Securities Fraud, Federal Board of Trustees for a breach of trust, VA and GINNE MAE for considering removal of your company that can be accessed to the Veteran population. 
We will content with the issue of your lack of due diligence and due care for my PII at a later date but the controversy of you having possession of the note is evidenced here along with a current UCC 11 notarized by the XXXX County Clerk on XX/XX/XXXX. Without a shadow of a doubt shows that I am not the debtor. I am the Donor to your private trust vehicle. 
As the Donor to your Trust vehicle, I am utilizing the Power of Appointments Act of 1951, I am appointing myself as the Beneficiary to trust agreement you have created with my noteand did not inform me about, and then continue to conceal the use of my promissory note. 
Secondly, I will need a proper ledger that includes the full set of books and all the set of off books, bookkeeping to properly file the taxes on as IRS 709 and collect the tax credits for the 1099 OID, 8281, 1040v. Since it is my note, I am entitled to the derivatives of said note as a beneficiary, or the funds to that note in full. Either way the taxes will be assessed and paid to the IRS. 
The following records are requested : 3. The corporations records should be requested for discovery. These records show that Mr . 
Cooper Group et. al. has an offsetting liability to the debtor pursuant to FAS 95, GAAP and Thrift Finance Reports ( TFR ). These special disclosures are required to be reported to Ginnie Mae for VA home loans. These records include : a. FR 2046 balance sheet, b. 1099-OID report, c. S-1 registration statement, d. RC-S & RC-B Call Schedules, The IRS already reported that you havent placed this particular promissory note-nowsecurity into a REMIC for FATCA.

Company response to consumer: Closed with explanation