Consumer complaint received 2025-04-24 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: LA

Complaint narrative:
This letter is in reference to communication received from The Law Offices of XXXX XXXX XXXX XXXX, XXXX on behalf of Rushmore Servicing regarding a mortgage loan. Rushmore Servicing has retained this firm to pursue foreclosure proceeding.

I have been trying to validate this debt for some time now. This home was owned by my mother. She passed away in XXXX. After her passing, we assumed that either her home was paid off, or there was a significantly lower balance than what we eventually discovered later. After some time, we began receiving mortgage statements at her address from a company called XXXX XXXX and another company that I can not recall at the moment. The monies owed to the latter company was roughly $ XXXX {$2000.00}, and after providing them with the original borrower 's death certificate, they did not continue to pursue the debt. 

When it came to the remaining debt with XXXX XXXX, I continued to make payments in order to keep the home out of foreclosure while we sorted through the intricacies of dealing with a family members death, however, the balance owed roughly amounted to the original balance, so I just assumed that my mother took out another loan using the home as collateral but no such documentation has been provided. The only documentation provided by any of the loan servicers has been the original documents that were signed and filed in XXXX. 

I have contacted this company on more than XXXX occasion requesting the validation of the debt that they say is owed. None of the servicing companies that I have been forced to deal with due to servicer transfers were able to provide me with any documents other than the original mortgage document signed in XXXX. 

My issue is, the balance owed in XXXX was very close to the balance owed in XXXX when my mother passed away and there is no concrete documentation proving that balance. After over a decade of payments from my mother and another decade from myself, there is no way that the balance at the time of my mothers death should have been as high as it was/is, even factoring in missed and/ or late payments. I have requested itemized documentation from the inception of the loan until the present but the response letter that I received from Rushmore Servicing states that they can not provide that information. It is the responsibility of the servicer to validate debt that they acquire. 

I am in the process of obtaining documentation from the company that serviced the loan prior to Rushmore Servicing ( Caliber Home Loans, now XXXX ) to see what documentation they have regarding the debt. The company that serviced the loan when my mother passed away was XXXX XXXX, they then changed to XXXX XXXX. After doing some research, I have learned that XXXX XXXX filed for bankruptcy some time ago, therefore, I am unable to gather any information from them. 

Any payments made after my mothers death were simply to keep the home out of foreclosure while I sorted through her affairs and dealt with the grieving process.

Company response to consumer: Closed with explanation