Consumer complaint received 2025-09-08 00:00:00
Product: Mortgage — FHA mortgage
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: DC

Complaint narrative:
Complaint Summary Nationstar Mortgage LLC has made irreconcilable and misleading statements about ownership of my loan and property. Nationstar has never documented how it acquired my mortgage from  XXXX  XXXX XXXX in XXXX, and every subsequent claim has conflicted with prior statements. I am requesting a full CFPB investigation into Nationstars acquisition, servicing, and foreclosure practices. 

Background and Contradictions XXXX. Unexplained Transfer from XXXX  XXXX XXXX ( XXXX ) MERS records showed XXXX  XXXX XXXX as the last servicer, deactivated XX/XX/XXXX, with XXXX XXXX as investor. Nationstar appeared suddenly in XXXX claiming assignment, but has never produced a HUD-1 settlement statement, FP-7/C transfer tax record, recorded assignment consistent with MERS, or BOA payment history. Within 30 days, Nationstar fabricated over \ {$300000.00} in arrears with no proof from XXXX accounting. 

XXXX. Conflicting Ownership Stories To CFPB : Nationstar said it was not a party in interest. 
In Court ( XXXX ) : Nationstars lawyer ( XXXX XXXX ) claimed Nationstar acquired my property in a XXXX foreclosure sale and sold it to First Hand Land, XXXX. 
Internal Ledger : Nationstar later produced a ledger claiming XXXX was the loan owner. 

XXXX. Debt Cancellation vs. Foreclosure Nationstar issued IRS Forms 1099-C in XXXX and XXXX, cancelling the debt. Despite this, it proceeded with foreclosure, eviction in XXXX, and later recorded a forged deed in XXXX. 

XXXX. Buyer Never Heard of Them First Hand Lands principal, XXXX XXXX, testified he had never heard of Nationstar. On a recorded call, Nationstar itself admitted it had no transfer or relationship with FHL. Yet Nationstars counsel still represented in federal court that a valid XXXX sale to XXXX occurred. 

XXXX. No IRA Approval The alleged sale involved a XXXX XXXX XXXX XXXX account XXXX No IRA trustee approval documents or federal compliance records were ever provided, despite being legally required. 

Harm to Me My property was foreclosed and later subjected to fabricated deeds and wrongful eviction. I lost equity, belongings, medical property, and reputation. I have endured years of litigation, contradictory filings, and confusion over who owns the loan. 

Requested Relief I request that the CFPB : XXXX. Investigate the XXXX transfer from XXXX  XXXX XXXX to Nationstar, including all HUD, MERS, and investor records. 

XXXX. Compel Nationstar to produce documentary proof of ownership, including recorded assignments, HUD-1 settlement statements, XXXX transfer tax records, and XXXX XXXX servicing transfer approval. 

XXXX. Investigate Nationstars contradictory positions : Not a party in interest to CFPB, Owner and seller in XXXX in federal court, XXXX is owner in its ledger. 

XXXX. Investigate fabricated arrears and false 1099-Cs, which amount to consumer fraud. 

XXXX. Refer matter for enforcement action against Nationstar and any affiliated law firms ( XXXX XXXX, XXXX XXXX ) for knowingly filing misleading statements.

Company response to consumer: Closed with explanation