Consumer complaint received 2026-02-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
My mortgage account has been mishandled due to ongoing servicing and foreclosure process failures. Payments and assistance funds intended to cure arrears and stabilize the loan were not properly reflected in servicing records, resulting in inconsistent statements and a disputed delinquency status.

Foreclosure activity proceeded while servicing disputes and loss mitigation activity were ongoing, constituting dual tracking. During this same period, servicing was transferred to Mr. Cooper and new loan numbers were created and used without proper notice, which obscured continuity of the account and servicing history.

At the same time foreclosure activity was being pursued, the XXXX XXXX XXXX portal reflected a principal balance of {$0.00}. This conflicting system information existed concurrently with delinquency reporting and foreclosure-related actions. 

Foreclosure documents contained material defects and inconsistencies. The initial Notice of Default listed an incorrect property APN and identified the foreclosing party as Nationstar Mortgage LLC f/k/a Homepoint, which conflicted with the known servicing and ownership history of the loan. The Notice of Default was issued by the same trustee whose authority was in question. A Substitution of Trustee was recorded but was never provided to me and relied on XXXX records that were inactive and identified an incorrect beneficiary.

The same Trustee Sale Guarantee ( TSG ) number was reused across foreclosure documents and continued to be used even after a rescission was recorded, creating further inconsistencies in the foreclosure record. Required foreclosure documentation, including an affidavit of publication, was not properly recorded.

The same entity communicating with me as a debt collector in connection with this account is also acting as the foreclosure trustee. This dual role was not clearly disclosed and created confusion regarding authority, neutrality, and the accuracy of foreclosure-related communications. 
In addition, Nationstar Mortgage LLC has presented itself as the lender in communications and representations made to debt collectors and to the PMI carrier, despite acting as the mortgage servicer. These representations further obscured the identity of the actual creditor and contributed to inaccurate servicing, collection, and foreclosure actions.

Most recently, servicing of the loan was transferred again to XXXX XXXX  without proper advance notice or a clear explanation of the transfer. I was first made aware of XXXX XXXX  involvement through delinquency-related communications rather than through required transfer notices. This further disrupted my ability to understand who was servicing my loan, what information was accurate, and how to address the alleged default.

These servicing and process failures prevented me from understanding the true status of my loan or meaningfully responding to the alleged default. Despite repeated attempts to resolve these issues, I have not received clear, consistent, or reliable information regarding the servicing and foreclosure actions taken on my account.

I am requesting correction of servicing and foreclosure process failures, proper notice, and written confirmation of the current loan status going forward.

Company response to consumer: Closed with explanation