Consumer complaint received 2022-10-31 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
I entered a forbearance plan with XXXX XXXX  XXXX who approached me with a plan to lower my initial 3.51 % interest rate they said they would lower that to 2.1 % saving me {$500.00} per month due to XXXX hardship if I qualified. I filled out all their paperwork and got accepted. I had a mortgage note with XXXXXXXX XXXX for {$2000.00} per month. I purchased the home in XX/XX/XXXX. Its a XXXX XXXX XXXX I was to pay {$1400.00} per month at the new rate. I paid that money to XXXX XXXX XXXX without fail never missing a payment. I paid the money primarily to XXXX XXXX and XXXX XXXX. They submitted a fedex label each month so I could send the money to them. I paid them for 19 months. When I inquired about a lower interest rate ( I ended up being offered as low as XXXX so I expected them to match it or release me so I could accept it. I asked about my equity and my escrow they, said I would receive all that and it was pending. I never received any of the money. They just swept it under the rug telling me to not worry myself about itthey would take care of it and make sure I would receive all of it as soon as they found me a mortgagee. I inquired when the first forbearance allegedly ended what was my position? They said they had not found me a mortgagee and that I was to keep paying my mortgage payment to them. This was near the end of XXXX. In XX/XX/XXXX I recieved a letter from Mr. Cooper that said Certified. I opened up and discovered that I was behind in my payments and was facing an imminent foreclosure. If you cant imagine how this devestating information affected a XXXX Era XXXX XXXX, Rated at 100 % XXXX Veteran, who is single and lives alone and who fought from XXXX to XXXX to finally receive his benefits he earned in the service of his country I was kept at 0 % in XXXX I was 30 % by XXXX and beyond I was superficially stuck at 60 % until going before the XXXX XXXX XXXX XXXX and prevailing and reaching 90 % rated at 100 % Permanent & Total, which allowed me to purchase my home at XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Texas XXXX. At any rate I contacted Mr. Cooper and was told by them after XX/XX/XXXX that they were my mortgage holders. I was stunned. XXXX XXXX XXXXXXXX had told me nothing whatsoever about MR. COOPER. That was what they had pledged to do. Inform me when I had a mortgagee. My interest rate was supposed to last the life of the loan at 2.1 % and was locked in. They asked me had I mailed the XXXX payment and sent the fedex label. During that time I learned from MR. COOPER that XXXX XXXX XXXX XXXXad not given them a penny that I paid each month to the tune of around {$29000.00}. Now. I am a victim of XXXX. It is beyond the scope of human imagination. I understand the futility of life for some people who dont expect this kind of treatment against any American citizen. To steal the XXXX XXXX. Perpetuated by Demons who pretend to be human because they can disguise their true evil countenance so easily online. And these criminals dont have the faintest idea of what you had to go thru to get where you are until their rotten XXXX came along and stole your dreams and ambitions by taking away your domicile your pad your home sweet home the place you go to and declareIm so glad Im home! Well I immediately hired a attorney thru an online third party named XXXX who told me he represented XXXX XXXX XXXX XXXX and they specialized in stopping foreclosure. It would cost me a total of {$3000.00}. I paid the money and XXXX XXXX summarily dumped me because I did not move fast enough to provide papers. They all acted like I was already in foreclosure and pushed immediacy upon me, something I had some difficulty in dealing with. I was so ill prepared for the quagmire this matter threw me in. I went thru a MAJOR XXXX EPISODE. My Double XXXX kept me in a catatonic state for quite a while. I finally pulled out of it and started responding to the demands ( which are artificial because I was told by XXXX who handles their law firms side hustle which is to charge the duped forclosure suckers who know nothing about forclosure and are afraid of it ) by the policy of having a place to dump you. She dumped me. They give you a loan modification for XXXX XXXX dollars that MR. COOPER immediately offered me for free. Its a XXXX side hustle alright. Shes on XXXX and had never mentioned the return of my money period. You see once they know you have been screwed by scammers they will seek to scam you too. If they know you are and older person they will seek to make you a victim. I turned XXXX on the XXXX of XXXX. Come on you can visualize it gentlemen and ladies. XXXX gets on the phone to XXXX and says, We got a live one! And she proceeds to use any means necessary to steal my money preying on peoples fear of forclosure and losing their homes. So now Im on a preforclosure list and I am due to be foreclosed on on XX/XX/XXXX or XXXX XXXX. I dont want the modification because in filling it out I felt like I was being made to feel like a criminal trying to get away with something. Additionally MR. COOPER is trying to tack XXXX on the end of my note. Im not down with that. I paid the money. Im the victim of both XXXX XXXX XXXX AND MR. COOPER. Now Ive asked the lawfirm to return my money so I can get a real lawyer who can handle this looming foreclosure and realize if I pay you for your services you work for me and should give me your utmost consideration or dont step up to the plate. They need to return my money as they did nothing but steal it. Additionally MR. COOPER rejected my concerns about this FRAUDLENT mortgage theft and acted like I better pay. They rejected what I told them about the matter. I sent them copies of all the cashiers checks I sent to XXXX XXXX XXXX as payment I sent them copies of all or at least most of the XXXX LABELS that XXXX XXXX  XXXX sent to me each month to get me to send the money. Now people and organizations ask me if I have ever missed a payment. I havent ever missed a payment but after all thiswhat am I suppose to say? In the final analysis ladies and gentlemen I told these people about XXXX XXXXS XXXX back in XXXX. I obviously was not believed as they wanted to get that erroneous like you would not believe XXXX more. They are criminal. They were formerly Nationstar and had to be rescued by the government and now I guess to make up for their previous indiscretions they decide to stick it to a senior citizen ( they probably can be beaten into submission out of fear and online ignorance, an easy target. To a XXXX Era Veteran means I went into the military service during war at a time when men were burning their draft cards and running to hide out in XXXX. I volunteered. 
I dont deserve this treatment. XXXX XXXX. XXXX who was the first person I contacted at MR. COOPER and told my info to was commiserating with XXXX said he would see that my details got to MR. COOPERs fraud department. I found out they dont have a Fraud Department XXXX Instead I get word from MR. COOPERS minions that the evidence I submitted on my behalf and proof that I paid was not sufficient. They did not give me any idea what sufficiency would be required. They just left me hanging like I was a liar. Well come to find out that the Federal Trade Commission has closed down XXXX XXXX  XXXX effective in XXXX of this year. Shows you how ineffective this lawyer is as they know nothing of this fact and probably are still finding XXXX forclosure suckers. The firm is XXXX XXXX XXXX XXXX. XXXX XXXX, Attorney Address : XXXX XXXX XXXX XXXX, XXXX, Texas XXXX. The FTC has frozen all assets for XXXX XXXX  XXXX. My money is there. Please help me get itplease help me find another mortgage services due to the fact that I dont trust MR. COOPER as I feel they are culpable and are in cahoots with XXXX XXXX  XXXX XXXX Please let me know how I can stop this illegal forclosurepast presidents have put out decrees to have no homeless veterans I think by XXXX. They are trying to make me homeless thru no fault in any way of my own. People like theseneed to be crushed and left on the moon. I dont think they are even human. 
I hope this info can help bring them to justice. 
Thank you for your kind consideration and attention to detail in this letter. I thank you. 

XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation