Consumer complaint received 2025-03-25 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
Nationstar Mortgage LLC dba Mr. Cooper XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX RE : Cease and Desist Demand for Debt Validation and Proof of Legal Authority Notice To Agent Is Notice To Principal ; Notice To Principal Is Notice Agent This correspondence serves as a formal demand under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. You are hereby directed to cease and desist all collection activity related to any alleged debt you claim XXXX XXXX owes until proper and lawful validation is provided. Additionally, I am documenting and reporting what I believe to be harassing, coercive, and potentially unlawful conduct by your agent XXXX. 

On XX/XX/year>, at approximately XXXX XXXX, an XXXX identifying himself only as " XXXX '' arrived at my private residence, claiming to represent Mr. Cooper. The agent stated that an alleged mortgage was transferred to your company. However, the agent, XXXX refused to provide any identification, business card, or documentation to confirm his affiliation with Mr. Cooper, nor would he explain his legal capacity or authority for this visit. When asked to verify who he was, he became visibly hostile an act that I interpreted as intimidation. 

This unprofessional and aggressive behavior is wholly unacceptable, and it violates the FDCPAs prohibition against conduct that harasses, oppresses, or abuses any person ( 1692d ), including but not limited to : Unlawful in-person visits to a consumers home Refusal to identify oneself or confirm agency authority Let this serve as formal notice that Nationstar Mortgage LLC dba Mr. Cooper, XXXX nor XXXX assignees or third parties has no valid perfected interest, authority, or enforceable right to collect or act on any alleged debt unless and until the following are provided in writing : XXXX full and verifiable chain of title and assignment for the alleged debt, showing clear legal authority to collect or enforce, from the original alleged lender through all interim transfers to Mr. Cooper.

2.Proof of possession and control of the original note and security instrument.

3.All indorsements, allonges, and transfer documentation, including those allegedly furnished or authorized by XXXX XXXX XXXX XXXX previous holder, that establishes a lawful and properly executed transfer under the Uniform Commercial Code ( UCC ) and relevant mortgage assignment law. 
4.A complete validation of the debt, including the original agreement, the amount owed, and an accounting of all claimed charges.

5.A True and complete Forward Flow Agreement Until such proof is furnished, I am exercising my rights under 15 U.S.C. 1692c ( c ) to demand that you cease all communication and collection efforts immediately. You are not to call, visit, email, or otherwise contact me except to provide the requested documentation.

Failure to comply within 30 calendar days will result in all legal remedies including civil action for damages resulting from your violations of federal and state law.

You have now been put on notice. Cease and desist all activity unless you are able to lawfully validate your claim and authority. 

Sincerely, XXXX XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation