Consumer complaint received 2019-03-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
FELONY MORTGAGE FRAUD CONSPIRACY TO DEFRAUD U.S GOVERNMENT, CRIMINAL CONVERSION ... 
IN THE CIRCUIT COURT FOR XXXX COUNTY FLORIDA PETITION FOR CANCELLATION OF MORTGAGE DUE TO FRAUD ON OR BEFORE XX/XX/XXXX XXXX XXXX ( Deceased ) AND XXXX XXXX WERE VICTIMS OF MORTGAGE FRAUD, PREDATORY LENDING AND CONSPIRACY TO DEFRAUD SENIOR CITIZENS IN FLORIDA PETITINER ALLEGES several violations of Florida Statute 817.545 ... Mortgage fraud. 
VIOLATION OF FLORIDA STATUTE 817.45 SECTION 1 ... We have a lender that proviced Fraudlulent loan applications, fraudlent loan disclosures, and fraudulent HUD-1 Statements in addition to commiting and admitting Escrow fraud ... They committed the following violations of 817.45 Section 1 " Documents involved in the mortgage lending process include, but are not limited to, mortgages, deeds, uniform residential loan applications, or other loan applications ; HUD-1 settlement statements ; any required disclosures. '' VIOLATION OF FLORIDA STATUTE 817.45 SECTION 2, 2 ( A ) ... They committed the following violations of Florida Statute 817.45 2, 2A ... " A person commits the offense of mortgage fraud if, with the intent to defraud, the person knowingly : ( a ) Makes any material misstatement, misrepresentation, or omission during the mortgage lending process with the intention that the misstatement, misrepresentation, or omission will be relied on by a mortgage lender, borrower, or any other person or entity involved in the mortgage lending process '' ... 
These senior citiznes were decieved with false payment estimates, mail fraud, wire fraud and false loan disclosures, A follow up investigation determined that the homeowners insurance was never included in the loan estimate, payment estimate or the HUD-1 Statement.  This is probably the oldest trick in the mortgage book of crime ... false disclosures. 
The Entire Truth in Lending Act was written specifically to prevebnt these types of crimes agaiunst consumers. The defendants knowingly issued an FHA loan in direct violation of all state and Federal loan dosclosure laws, they later collected on a ; oan that was illegally disclosed nd never corected as required by law when a fraudlent loan occurs FOR ANY REASON. It has always been illegal tom issue a loan with false, fraudulent or missing information. 
The defendants in this case all knowingly committed a conspiracy to defraud the consumers and the Mortgage Insutrancethis conspiracy. The defendants also tried to illegally steal the home from these senior citizens using numerous fraudulent acts that I will disclose and provide evidence for also in this petition. 
VIOLATION OF 817.45 SECTION 2 C ... Receives any proceeds or any other funds in connection with the mortgage lending process that the person knew resulted from a violation of paragraph ( a ) or paragraph ( b ). 
GENERAL INFO ... MORTGAGE FRAUD UNDER 817.45 ( 4 ) For the purpose of venue under this section, any violation of this section is considered to have been committed : ( a ) In the county in which the real property is located ( b ) Any person who violates subsection ( 2 ), and the loan value stated on documents used in the mortgage lending process exceeds {$100000.00}, commits a felony of the second degree, punishable as provided in s. 775.082, s. 775.083, or s. 775.084. 

SUPPORTING EVIDENCE, CASE HISTORY, EXHIBITS WE BEGIN WITH THE LOAN ORIGINATION FRAUD, WE HAVE LOAN ORIGINATION FRAUD ON ALL DOCS AND ALL DISCLOSURES IN VIOLATION OF FLORIDA STATUTE 817.45. THE ENTIRE SALES PITCH OF " LOWERING YOUR PAYMENT '' IS MAIL FRAUD ( EXHIBIT K ) AND THE ENTIRE TRANSACTION VIOLATES FLORIDA STATUTE 817.45 AND THE FEDERAL TRUTH IN LENDING ACT, IF A LOAN IS NOT PROPERLY DISCLOSED ( SEE FALSE LOAN DISCLOSURES USED BY DEFENDANTS ON EXHIBITS C, D, G, I ), IT MUST BE CORRECTED WITHIN 30 DAYS AND SIGNED BY ALL PARTIES. THIS WAS NEVER DONE ... XXXX XXXX, XXXX, NATIONSTAR MORTGAGE, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, AND XXXX XXXX ALL CONFIRMED THE REPEATED COUNTS OF MORTGAGE FRAUD OCCURRED BUT ALL OF THEM REFUSED TO COMPLY WITH STATE AND FEDERAL LAWS. *** IF ANY OF THIS WAS AN ACCIDENT/NOT A CRIMINAL CONSPIRACY IT WOULD HAVE BEEN CORRECTED, APOLOGIES WOULD HAVE BEEN OFFERED TO THE SENIOR CITIZENS AND THE LOAN WOULD HAVE BEEN CANCELLED IMMEDIATELY AS REQUIRED BY STATE AND FEDERAL LAW. INSTEAD, THE OPPOSITE HAPPENED. THE HOUSE PAYMENT FOR THIS ELDERLY COUPLE ON A FIXED INCOME DOUBLED SEVERAL TIMES AS A DIRECT RESULT OF LOAN FRAUD. THEY STOLE {$1500.00} FROM THE ESCROW ACCOUNT WITHOUT AUTHORIZATION ( SEE EXHIBIT D ), THEY ALSO PRETENDED TO CORRECT/CANCEL THE LOAN VIA EMAIL AND PHONE BUT ILLEGALLY FORECLOSED ON THE ELDERLY COUPLE WITHOUT NOTICE. ALTHOUGH WE STIPPED THE FORECLOSURE THAT NEVRR SHOULD HAVE HAPPENED, AS YOU SEE HERE THEY ARE STILL TRYING TO COLLECT ATTORNEY AND SERVICE FEES FOR THE FORECLOSURE AND THEY COMMIT MAIL FRAUD ONCE AGAIN BY LISTING THEM AS LATE FEES BILLED ON ONE DAY BUT THEY ARE CLEARLY LABELED " LEGAL FEES '' UNDER LENDER PAID EXPENSES ON THE SAME STATEMENT ( SEE EXHIBIT V ) TO COLLECT THESE ILLEGAL FEES THEY USED WIRE FRAUD AND COLLECTED PRINCIPAL WITHOUT PROPER CREDIT 3 DIFFERENT TIMES. THIS ELDERLY COUPLE MADE 3 HOUSE  PAYMENTS AT ONCE, THREE DIFFERENT TIMES ... CONFIRMED ON THE PHONE WITH XXXX XXXX AT CORPORATE OFFICE ... AND THEY WERE STOLEN XXXX DIFFERENT TIMES. REQUESTS FOR COPIES OF THE RECORDINGS OF THE PHONE CALLS WERE DENIED, THEY SAID WE HAD TO SUBPEONA THEM, WE WILL NEED THE COURT 'S ASSISTANCE ON THIS MATTER BUT IT IS NOT NECESSRY BECAUSE WE STILL HAVE WRITTEN PROOF ( SEE EXHIBIT P ). XXXX XXXX XXXX CLAIMS TO HAVE DONE THE LOAN CORRECTLY BUT THEIR DOCUMENTS ALSO SHOW THE MISSING HOMEOWNERS INSURANCE AT LOAN DISCLOSURE ( SEE EXHIBIT J ). THEY CLAIMED WIND INSURANCE WAS LEFT OFF THE LOAN INADVERTENTLY ALSO BUT THEY CLEARLY HAVE A COPY ( SEE EXHIBIT W ) ... THE SENIOR CITIZENS PAID XXXX XXXX AND XXXX XXXX THOUSANDS OF DOLLARS TO GET RIPPED OFF BY THIS GROUP COLLECTIVELY. THEY INTENDED TO FINISH THIS SCAM BY COLLECTING THE PRIMARY MORTGAGE INSURANCE AND SELLING THE HOME THEY ILLEGALLY FORECLOSED ON. ... 
THE FOLLOWING EXHIBITS ARE ENTERED AND LISTED BY NAME ... 
EXHIBIT A/B ... ILLEGAL FORECLOSURE ... EXHIBIT C, TRUTH IN LENDING ACT VIOLATION ... EXHIBIT D ... NATIONSTAR CONFIRMING ALL ILLEGAL ACTS BUT REFUSING TO COMPLY WITH VICTIM 'S RIGHT TO IMMEDIATE LOAN CANCELLATION, SIGNED BY XXXX XXXX ... EXHIBIT ... VIOLATION OF CONSURE LAW/TRUTH IN LENDING ACT ... EXHIBIT F, VICTIMS ... EXHIBIT G, TRUTH IN LENDING ACT VIOLATION.. EXHIBIT H, CONTACT INFO FOR UNRESPONSIVE TITLE CO ... EXHIBIT I, TRUTH IN LENDING ACT VIOLATION ... EXHIBIT J, XXXX   FUNDING GOOD FAITH ESTIMATE FRAUD/TRUTH IN LENDING ACT VIOLATION ... EXHIBIT K, MAIL FRAUD, XXXX  ... EXHIBIT L, TRUTH IN LENDING ACT VIOLATION XXXX FUNDING ... EXHIBIT M, NATIONSTAR CONFIRMING THE CONSUMERS WERE VICTIMS OF PREDATORY LENDING AND FRAUD BUT REFUSING TO COMPLY..EXHIBIT N ... TRUTH IN LENDING VIOLATION XXXX ... EXHIBIT O, XX/XX/XXXX, NATIONSTAR CONFIRMS CRIMES BUT REFUSES TO COMPLY AND CONTINUES TO COLLECT ILLEGALLY ... EXHIBIT P, VICTIMS MADE 3 PAYMENTS BUT ONE WAS STOLEN TO PAY FOR LEGAL FEES THAT WERE ILLEGALLY ADDED ... FEES WERE ADDED LONG AGO WHEN THEY ALSO COMMITTED ANOTHER WIRE FRAUD, LYING TO CONSUMER ABOUT COMPLYING WITH RIGHT TO LOAN CSNCELLATION BUT SIMULTANEOUSLY FORECLOSING WITHOUT NOTICE.,, EXHIBIT Q,  XXXX  PARTICIPATING IN FINAL LOAN FRAUD ... EXHIBIT R, FRAUDUKENT GOOD FAITH ESTIMATE FROM XXXX ... EXHIBIT S, XXXXFRAUD ... EXHIBIT T, XXXX  FRAUD EXHIBIT U, XXXX GOOD FAITH ESTIMATE FRAUD ... EXHIBIT V ... NATIONSTAR COLLECTING LEGAL FEES BUT ILLEGALLY BILLING THEM AS LATE FEES ... EXHIBIT W, WIND INSURANCE COPY ... THEY CLAIM THEY NEVER HAD IT .... THIS WAS THEIR COPY ... EXHIBIT X, FRAUDLENT HUD 1 AND FRAUDULENT FHA LOAN APPLICATION, TRUTH IN LENDING ACT VIOLATION.. XXXX XXXX ... EXHIBIT Y, REFUSAL TO COMPLY, CONSPIRACY TO DEFRAUD CONSUMER/FHA/U.S. GOV, XXXX XXXX ... EXHIBIT Z ... PROOF NATIONSTAR HAS BEEN FULLY AWARE OF THIS FRAUD SINCE XX/XX/XXXX/ PROOF OF XXXX XXXX  STEALING ESCROW AND ILLEGALLY DOUBLING THE HOUSE PAYMENT ( EXHIBITS PREVIOUS, Y UPLOADED TO CFPB )

Company response to consumer: Closed with explanation