Consumer complaint received 2025-12-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
A " Qualified Written Request ( QWR ), Notice of Error, and Request for Information 'XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Texas. XXXX Mortgage account number. XXXX To : All Federal Government Agency : Attention Mr. CooperXXXX XXXX XXXX XXXX : XXXX XXXX President and Chief Executive Officer, XXXX XXXX XXXX  : Chief Executive Officer XXXX XXXX and XXXX XXXXChief Business Office, Consumer Financial Protection Bureau ( CFPB ) , Federal Trade Commission ( FTC ) , FIDC.gov , Department of Justice ( DOJ ) , Federal Housing Authority ( FHA ) , Housing and Urban Development ( HUD ) , Texas Department of Savings and Mortgage Lending , U.S. Attorney General Protection Division, United States Bankruptcy, FBI and United States Civil Rights Division . 

The Nature of the Inquiry : I am requesting for documentation proving the application and signing of a " New Conventional Loan with PMI and No Cash Back including proof of Original Note contract. 

Attention Mr. CooperXXXXXXXX XXXX and Federal Government agencies , the company 's response was inadequate, and the servicer was uncooperative. 

I am Escalate a Government Complaints : While I have already filed complaints multiple times, the servicer Mr. CooperXXXXXXXX XXXX and employees did not comply with the regulatory agency 's process. Therefore, I am informing all Federal Government agencies immediately. 

The Servicer 's Mr. CooperXXXXXXXX XXXX is Non-Compliance : The fact that the Servicers Mr. CooperXXXXXXXX XXXX are refusing to provide the documentation of a New loan No Cash Back application; I allegedly signed is powerful evidence that no such document exists. 

I am requesting for a " Loan Audit '' as a Notice of Error QWR/NOE and a Request for Information ( RFI ). I am requesting mandatory servicer response timelines and duties, from Mr. CooperXXXXXXXX XXXX and employees. 

I am Requesting a comprehensive " Loan Audit '' from Mr. CooperXXXXXXXX XXXX the servicer, a formal procedures under the Real Estate Settlement Procedures Act ( RESPA ) to compel a response and gain legal protection. 

Identifying Information : I am Requesting a Loan Audit : for a full breakdown of all payments, fees, escrow, yearly taxes, interest calculations errors ; before and after the transfer date on XX/XX/XXXX. Including related to Originated Loan ( Note ) date XXXX established with XXXXXXXX XXXX XXXX XXXX XXXX XXXX. 

Mr. CooperXXXXXXXX XXXX Servicer and employees is Liable for Non-Compliance and for all transactions and servicing actions under their management. Their liability extends to : 1. Honoring the Original Contract : Violation of Ensuring all statements and actions align with the original XX/XX/XXXX, FHA Loan agreement. 

2. Accurate Record Keeping : Violation of Maintaining accurate records and being able to prove the legitimacy of any alleged changes. 

3. Complying with RESPA : Violation of Responding fully and timely to my formal requests for information and notices of error. 

CC : 1. Consumer Federal Protection Bureau ( CFPB ) 2. Department of Housing and Urban Development ( HUD ) 3. Office Of Inspector General ( OIG ) 4. Federal Trade Commission ( FTC ) 5. Federal Housing Authority ( FHA ) Mortgagee Review Board ( MRB ) 6. Department of Justice ( DOJ ) 7. Texas Attorney General 8. Texas Saving and Mortgage Lending 9. Texas United States Northern Bankruptcy This is a Qualified Written Request ( QWR ) to Mr. CooperXXXXXXXX XXXX/Employees and designated department for all mortgage notices regulations violations : regarding the fraudulent Conventional Mortgage loan created with a No Cash Back, A Phantom Loan with additional Private Mortgage Insurance ( PMI ) charges violation of deception lending under 18 U.S.C. 1014, false statements on loan application 18 U.S.C 1010 ( HUD and FHA transactions ), and 15 U.S.C. 1639b prohibits unfair deceptive and abusive lending practices. 

Thank you, XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation