Consumer complaint received 2024-05-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: SC

Complaint narrative:
Nationstar Mortgage assumed my loan for my current residency mortgage in XXXX of XXXX during a Mortgage Foreclosure procedure on a pervious home that was " HOA foreclosed upon '' in XX/XX/XXXX and sold on XX/XX/XXXX which I find to be either harassment or passive harassment having been committed by a lender in order to intimidate me into silence. 

On XX/XX/XXXX, a Mr. Cooper representative notified me during a call I had placed to notify Mr. Cooper I was moving out and leaving the keys on the counter that Mr. Cooper had had unauthorized contact with an " XXXX Attorney '' when I was not in an HOA. The individual informed me that Mr. Cooper had engaged in a conversation with an " XXXX Attorney '' on XX/XX/XXXX, roughly a week before Mr. Cooper locked me out of the online portal I was using to make and monitor my voluntary mortgage payments following my bankruptcy of XXXX, accepting and using information pertaining to me from this unknown " XXXX attorney ''. As I was " pro se '' and the Judge had terminated any HOA related relationship in XX/XX/XXXX, just like the unauthorized, undisclosed contact that an Attorney XXXX XXXX XXXX, a.k.a. Attorney XXXX XXXX XXXX XXXX had engaged in with XXXX Bank ( i.e. posing as a title company following without my knowledge as " pro se '' ), Mr. Cooper accepted and acted upon whatever information had been exchanged without making disclosure until after the fact.. As a result of waiting for a decision to be issued by the correct and being locked out of my account, I stopped making the voluntary payments on a XXXX debt, purchasing the new property which Mr. Cooper has now seen fit to interfer with in an effort to intimindate and harass me further. 

Mr. Cooper notified me via the XXXX XXXX XXXX in XXXX that the loan was in default last year, or words to that effect, and that I had 30 days in which to respond to the letter. I was not allowed the full 30 days, I was served with a Mortgage Foreclosure Complaint dated XX/XX/XXXX on Sunday, XX/XX/XXXX. In the complaint as a cause of action, Mr. Cooper was looking to " back date '' a defective deed to XXXX to " legitimize '' the Sale of the property by the builder to the original buyers, effectively erasing me, my life, and my complaints and the struggles and hardships I have endured over the years as a XXXX, XXXX XXXX XXXX waiting for Justice to prevail as a result of the perjury and subordination of perjury that was committed by the XXXX Attorney and XXXX XXXX company in seeking to undermine the Declaration. The disclosure by Mr. Cooper after the fact on a XXXX XXXX Loan which I don't believe would have been granted in purchasing the home, is disheartening, especially as a Veteran because bottom line, Mr. Cooper did not seek to assist me in staying in the home or in achieving justice for the wrongs committed to me, quite the opposite. Mr. Cooper sought to aid and abet those seeking to " kick me out of my home and the neighborhood '' which they were successful in doing in XX/XX/XXXX with Mr. Cooper, picking up their mantle following the event of XX/XX/XXXX, now seeking the means to coverup what I have noted as misconduct which include disparaging comments being made against me and Veterans in general, or the misuse of XXXX XXXX tools by Mr. Cooper 's hired legal representation that continues to try and " belittle me '' in front of others as XXXX XXXX did in email today seeking to try and " pick a fight with me ''.. 

While my previous complaint against XXXX is tied to this one, I wanted to follow up with CFPB in providing the two emails that I provided last week and the one today. We went to court on Thursday and Mr. Cooper prevailed in having the " defective deed '' ( which I believe resulted in an unclean title, i.e. cloud or XXXX of title ) that I had paid to have searched during the orgination of the original loan, back dated to XXXX rather than correcting the defective deed to the date of the hearing on XX/XX/XXXX ; Mr. Cooper which purchased my Mortgage from XXXX in an effort to " remind '' me of Mr. Cooper 's absolute power in the way of intimidation and harassment, passive or otherwise seeks to either committ mortgage fraud and mortgage fraud against the Department XXXX XXXX XXXX, or has already committed fraud or mortage fraud as an accessory to XXXX XXXX 's misconduct involving " fraud, misrepresentation, or other misconduct as an adverse party '' for the past 12 years or so. 

( please note, email pdf dated today combines XXXX separate emails that were submitted as part of the XXXX complaint. ) I have the notifications that Nationstar Mortgage purchase the servicing of my conventional loan in XX/XX/XXXX, and received a notification letter last week, prior to the hearing, that informed me that Mr. Cooper had assumed the loan effectively locking me out of accessing any Mortgage financial information until on or after XX/XX/XXXX the date of the " Notice of Servicing Transfer '' I received in the mail on XX/XX/XXXX at XXXX, the day before the court hearing which I believe was to harass and upset me ; purchased access to my Mortgage history on my XXXX, SC XXXX in lieu of ( or circumventing discovery ) in a Mortgage Foreclosure case that is the result of fraud committed by the XXXX attorney ). 

As I had informed Mr. Cooper not to contact me at my physical address, with the purchase of my current mortgage, Mr. Cooper is now contacting me at both addresses for the two properties, one of which I believe Mr. Cooper to be an accessory to fraud committed against me by the XXXX Attorney, choosing to ignore me requests and dismissing any allegations of fraud in order to profit off the actions of Attorney XXXX XXXX XXXX by committing addition perjury and the subordination of perjury by making and\or filing false statements with the court.

Company response to consumer: Closed with explanation