Consumer complaint received 2025-07-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Fees charged
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
# RESPA COMPLAINT - SYSTEMATIC MORTGAGE SERVICING FRAUD * * Complaint Date : * * XX/XX/XXXX * * Case Reference : * * HUD Case # XXXX * * Loan Number : * * XXXX * * Property : * * XXXX XXXX XXXX, XXXX XXXX, CA XXXX * * Military Status : * * [ UPDATE : Approved/Not Service Member - specify current status ] # # SERVICER INFORMATION * * Company : * * Nationstar Mortgage LLC d/b/a Mr. Cooper * * Address : * XXXX XXXX XXXX XXXXXXXX, XXXX, TX XXXX * * Contact : * * XXXX Stranger XXXX XXXX Relations # # EXECUTIVE SUMMARY This complaint documents systematic mortgage servicing fraud perpetrated by Mr. Cooper/Nationstar Mortgage LLC involving theft of payments, fabrication of NSF reversals, foreclosure threats during cybersecurity vulnerability, and violations of multiple federal regulations. 

# # SECTION 1 : VANISHING PAYMENT EVIDENCE ( Direct Theft ) * * CRITICAL FINDING : * * Payment made XX/XX/XXXX that left complainant 's bank account but appears NOWHERE in Mr. Cooper 's detailed payment history. 

* * Evidence : * * - Mr. Cooper 's XX/XX/XXXX response letter provides complete payment history - Shows XX/XX/XXXX payment, then jumps to XX/XX/XXXX - * * NO RECORD of XX/XX/XXXX payment despite funds leaving complainant 's account * * - This constitutes direct theft of mortgage payment funds * * RESPA Violation : * * Section 6 - Failure to properly credit payments received # # SECTION 2 : SYSTEMATIC NSF REVERSAL FRAUD * * Pattern of Fraudulent Reversals : * * Mr. Cooper 's own records show suspicious pattern of posting payments, then reversing them days later : - * * XX/XX/XXXX : * * Payment reversed as NSF + {$15.00} fee - * * XX/XX/XXXX : * * Payment reversed as NSF + {$15.00} fee - * * XX/XX/XXXX : * * Payment reversed as NSF + {$15.00} fee - * * XX/XX/XXXX : * * Payment reversed as NSF + {$15.00} fee - * * XX/XX/XXXX : * * Payment reversed as NSF + {$15.00} fee - * * XX/XX/XXXX : * * Payment reversed as NSF + {$15.00} fee - * * XX/XX/XXXX : * * Payment reversed as NSF + {$15.00} fee - * * XX/XX/XXXX : * * Payment reversed as NSF + {$15.00} fee * * Criminal Pattern : * * Payments appear to clear, then are reversed with NSF designations despite sufficient funds. This creates false delinquency records and generates NSF fees. 

# # SECTION XXXX : CYBERSECURITY BREACH EXPLOITATION * * Timeline of Predatory Behavior : * * - * * XX/XX/XXXX : * * Mr. Cooper admits cybersecurity breach ( their letter ) - * * During breach period : * * Escalated fraudulent activities targeting vulnerable customers - * * XX/XX/XXXX : * * Initiated foreclosure proceedings during complainant 's identity theft recovery - * * Pattern : * * Increased fraud during complainant 's cybersecurity vulnerability * * RESPA Violation : * * Section XXXX - Unearned fees during customer vulnerability period # # SECTION 4 : FORECLOSURE EXTORTION SCHEME * * Current Threats : * * - * * XX/XX/XXXX : * * Demand letter issued - * * XX/XX/XXXX : * * Acceleration deadline threatened - * * Amount Demanded : * * {$8500.00} ( inflated with fraudulent fees ) - * * Pattern : * * Threatening foreclosure while holding payments in suspense accounts * * Evidence of Bad Faith : * * - Demanding payment while holding {$940.00} in suspense account - Threatening foreclosure despite payment history manipulation - Using foreclosure as leverage to extract fraudulent fees # # SECTION 5 : DOCUMENT WITHHOLDING VIOLATIONS * * Mr. Cooper 's Admission : * * Their XX/XX/XXXX letter states they enclosed 10 documents but * * FAILED TO PROVIDE : * * - Actual transaction history ( only summary provided ) - NSF documentation proving insufficient funds - Property inspection reports ( despite charging fees ) - Cybersecurity incident details affecting account * * RESPA Violation : * * Section XXXX - Failure to provide requested servicing documents # # SECTION XXXX : ESCROW MANIPULATION SCHEME * * Insurance Premium Fraud : * * - * * Mr. Cooper Claims : * * {$4100.00} annual homeowner 's insurance - * * Actual XXXXXXXX XXXX XXXX XXXX XXXX {$3100.00} annual ( Policy # XXXX ) - * * ANNUAL OVERCHARGE : * * {$940.00} ( $ XXXX stolen ) - * * Evidence : * * XXXX XXXX XXXX attached * * Artificial Shortage Creation : * * - * * Base Escrow : * * {$1000.00} monthly ( inflated by insurance fraud ) - * * Manufactured Shortage : * * {$990.00} spread over 12 months - * * New Payment : * * {$3000.00} ( increased by $ XXXX ) - * * Pattern : * * Creating artificial shortages through deliberate premium inflation Took A HUD loan that they said would bring me current, still charged me NSF for XX/XX/XXXX XXXX Mr. Cooper did not allow me to make payments past XX/XX/XXXX stating I was in foreclosure. That is a false payment. 

# # SECTION 7 : FEDERAL VIOLATIONS DOCUMENTED * * RESPA Section 6 Violations : * * - Failure to properly credit payments - Improper payment application procedures- Document withholding - False account statements * * RESPA Section 8 Violations : * * - Unearned NSF fees through false reversals - Excessive corporate advance fees- Property inspection fees without providing reports * * Truth in Lending Act Violations : * * - False account balance statements- Incorrect payment history reporting - Failure to provide accurate payoff information * * Fair Debt Collection Practices Act Violations : * * - False representation of debt amounts- Threatening foreclosure on manipulated balances - Harassment during cybersecurity vulnerability # # SECTION XXXX : REQUESTED RELIEF * * Immediate Actions Required : * * 1. * * # # SECTION 9 : EVIDENCE SUPPORTING CRIMINAL REFERRAL * * Wire Fraud Elements ( 18 U.S.C. 1343 ) : * * - Electronic transmission of false account statements - Intent to defraud through payment manipulation - Use of interstate commerce ( electronic systems ) * * Mail Fraud Elements ( 18 U.S.C. 1341 ) : * * - Mailing of false statements and demand letters- Scheme to defraud through false representations * * RICO Violations ( 18 U.S.C. 1961 ) : * * - Pattern of racketeering activity - Enterprise engaged in systematic fraud - Use of mail and wire communications # # CERTIFICATION I certify under penalty of perjury that the foregoing is true and correct to the best of my knowledge and belief. 


* * Date : * * XX/XX/XXXX * * XXXX

Company response to consumer: Closed with explanation