Consumer complaint received 2025-07-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
EMERGENCY DECLARATION IN SUPPORT OF JUDICIAL RECUSAL, QUIET TITLE, AND FEDERAL OVERSIGHT REGARDING SYSTEMIC MORTGAGE SERVICING FRAUD, TITLE LAUNDERING, AND LOAN NUMBER MANIPULATION, INCLUDING CORPORATE ASSIGNMENT UNAUTHORIZED WHILE IAM ON A BK XXXX XXXX VIA CFPB PORTAL XX/XX/XXXX WHICH I WAS NOT AWARE OF. ALSO RECORDS OF XXXX  DOCUMENT TAMPERING UNCOVERED XX/XX/XXXX AND URGENT OBJECTION TO FRAUDULENT JUDGMENT SCHEDULED FOR XX/XX/XXXX, AND URGENT OBJECTION TO FRAUDULENT JUDGMENT SCHEDULED FOR XX/XX/XXXX, WHICH REPRESENTS UNLAWFUL TITLE LAUNDERING, AND DE FACTO THEFT OF DEBTOR PROPERTY FILED PRO SE BY BORROWER WITH URGENT REQUEST FOR IMMEDIATE CFPB INVESTIGATION, INJUNCTIVE RELIEF, AND PROTECTION OF RIGHTS.UNITED STATES BANKRUPTCY COURT/CENTRAL DISTRICT OF CALIFORNIA XXXX XXXX XXXX URGENT OBJECTION TO FRAUDULENT JUDGMENT SCHEDULED FOR XX/XX/XXXX, WHICH REPRESENTS UNLAWFUL TITLE LAUNDERING AND DE FACTO THEFT OF DEBTOR PROPERTY Filed Pro XXXX by Borrower With Urgent Request for Immediate CFPB Investigation, Injunctive Relief , and Protection of Rights. INTRODUCTION, XXXX XXXX XXXX XXXX XXXX, submit this complaint and urgent objection as a XXXX, pro se borrower and self-represented litigant seeking federal and state agency intervention. This complaint exposes a systemic pattern of mortgage and loan fraud, title laundering, identity theft, bank account hacks, judicial misconduct, and civil rights violations uncovered after more than XXXX years of court records, mail, and electronic document investigations, including newly discovered evidence from the website and public filings.BACKGROUND AND ALLEGATIONS A. Fraudulent Corporate Assignment Discovery. On XX/XX/XXXX, I discovered critical corporate assignment assignments posted on the CFPB website, revealing unauthorized and backdated mortgage assignments being used to enable fraudulent collections and evade federal protections. 
XXXX XXXX Document Tampering. Newly additional fraudulent tampering of XXXX XXXX XXXX XXXX  ( XXXX  ) documents, including inactive and purged Mortgage Identification Numbers predating loan execution, confirming coordinated record suppression and title laundering. 
C. Synthetic Loan Number Fraud. The servicer fabricated and used a synthetic loan number ( XXXX ) unrecognized by HUD, Treasury, or IRS, leveraged to enforce illegal collections and cloud lawful title. 
D. Certified Payoff and Tax Fraud. HUD-certified payoff statements from XXXX have been ignored. False IRS Form 1098 filings have resulted in tax harm and misreported income, violating IRS statutes and tax laws. 
E. Mortgage Servicing and Escrow Manipulation. Forensic mortgage ledgers reveal missing escrow payments, payment reversals, and artificially manufactured defaults to justify foreclosure. 
F. Judicial Suppression and Procedural Abuse. Court allowance of unauthorized pleadings have obstructed my ability to defend my rights.G. Identity Theft and Retaliation. Since XXXX, coordinated identity theft, unauthorized financial withdrawals, and unlawful Social Security garnishment have been inflicted in retaliation for my reporting of fraud. Fraudulent Judgment Scheduled for XX/XX/XXXX while I have an open XXXX  XXXX XXXX and payments are all on file with Mr Cooper plus the trustee on the XXXX  XXXX XXXX at XXXX and XXXX  XXXX an unlawful judgment based on recycled, XXXX  discharge scheduled, representing an attempt to unlawfully seize my home via title laundering while Judge has ignored certified HUD payoff statement which proves that is it is a XXXX balance! XX/XX/XXXX and XX/XX/XXXX HUD US Treasury XXXX # XXXX. CLAIM has been discharged recycled under my name going on the XXXX round with the Judge and court. I discovered Iam a XXXX XXXX XXXX and XXXX XXXX XXXX as I never authorized or filed the use of my information on XX/XX/XXXX. I filed adversary claim against the Trustee for using my entity and falsifying COURT on the cases and dismissed with Prejudice on XX/XX/XXXX XXXX adversary XXXX. I have identified multiple case numbers and reference across XXXX  and court documents, including but not limited to : XXXX XXXX XXXX XXXX. XXXX has consistently being manipulated to obscure and hide the evidence and case tracking, to deliberate attempts to obscure filings, create confusion, and due process rights. This pattern of manipulation, recycling and recycling of identifiers, altered and recycled numbers, documents, and signatures is ongoing and has resulted in systemic procedural and due process violations.III. CASE NUMBER VARIANTS AND PACER MANIPULATION. I have identified multiple inconsistent and manipulated case numbers and references across XXXX  and court documents, including but not limited to : XXXX XXXX XXXX XXXX XXXX  has consistently being manipulated to obscure and hide the evidence and case tracking, to deliberate attempts to obscure filings, create confusion, and due process rights. These discrepancies appear and confuse the recordkeepers for discovery of any person to investigate. 
IV. EMERGENCY MOTION FOR JUDICIAL RECUSAL AND PACER MANIPULATION. I filed an emergency motion to recuse the presiding judge on XX/XX/XXXX, in case number XXXX, citing ongoing judicial bias, repeated due process violations and procedural abuse impacting my ability to obtain fair hearings within XXXX. My original filing to RECUSE the judge was manipulated on XX/XX/XXXX of approximately XXXX pages. That same day, my scanned filing recorded as XXXX pages, despite these tactics, I remain committed to seeking judicial fairness and federal intervention. Over the coming weekend, I plan to submit this comprehensive complaint and all supporting evidence to the CFPB and relevant agencies to secure the relief and protection I am entitled to under law. 
V. ONGOING HARASSMENT, IDENTITY THEFT, TITLE LAUNDERING AND JUDGE TRUSTEE JUDICIAL OBSTRUCTION. Since XX/XX/XXXX, my personal phone, email, and bank accounts have been subjected to unauthorized hacking and intrusion, severely impacting my ability to manage my legal affairs and personal finances. Despite my repeated and numerous filingsmotions, declarations, and complaintsthe presiding judge has consistently responded by labeling my submissions as incomprehensible or unintelligible, dismissing them with a lack of legal authority or clarity. Dozens of legitimate filings made on my behalf have been systematically ignored, obstructing my ability to obtain justice and undermining the fairness of the proceedings not to mention calling and painting my motions as INCOMPREHENSIBLE UNINTELLIGIBLE AND LACK OF AUTHORITY MATERIAL EVIDENCE which has included fraud XXXX098s, HUD CERT PAYOFFS, TRUSTEE FRAUD LEDGER larrge amounts of money and dates being rotated with different dates, RE-CONVEYANCES shows claim paid fraud corp assignments total XXXX plus XXXX endorsement timelines not matching Most RECENT DISCOVERY XX/XX/XXXX CFPB WEBSITE FRAUD ASSIGNMENT RECORDED XXXX XXXX RECORDING # XXXX AND MERS RECORD TAMRERING MERS DISCOVERY DOCS XX/XX/XXXX that has now changed versus to what appeared before on the website with over the XXXX  FILINGS AND MOTIONS I HAVE PROVIDED TO COURT.VI. LEGAL VIOLATIONS. I am prepared to provide all relevant documentation evidencing these violations to support my claims and request immediate intervention. 
Violation of Bankruptcy Code protections ( 11 U.S.C. 524, 362 ) Fraudulent recording violating California Civil Code 1095, 2932.5 Mortgage servicing violations under the Dodd-Frank Act, RESPA, TILA, and FDCPA False IRS filings and tax fraud ( 26 U.S.C. 7206, 7212 ) Criminal instrument violations under California Penal Code 115 Discrimination and retaliation violating ADA ( 42 U.S.C. 12132 ) and civil rights statutes ( 42 U.S.C. 1983 ) Federal mail fraud violations ( 18 U.S.C. 1001, 1341 ) VII. REQUESTS FOR RELIEF. Conduct a full forensic audit of all mortgage servicing, escrow, payoff, recording, and IRS documents related to my loan and property. Issue an immediate stay of all foreclosure, collection, garnishment, and eviction actions pending investigation. Initiate correction and civil investigations and prosecutions against all responsible parties. Order correction and expungement of all fraudulent loan numbers, assignments, and false IRS filings. Enforce full XXXX accommodations and protections from retaliation. Award monetary and exemplary punitive damages for fraud, identity theft, and civil rights violations. Provide me with regular updates and full participation rights in all proceedings. Grant emergency injunctive relief to stay or vacate the fraudulent judgment scheduled for XX/XX/XXXX, protecting my home from unlawful seizure.VIII. LEGAL ISSUES AND TIMELINE DISCREPANCIES. Post-Discharge Loan Modification ( XXXX XXXX, XXXX ). Under 11 U.S.C. 524 ( a ), the discharge releases the debtor from personal liability on discharged debts. Attempting to impose a loan modification after discharge is legally void and unenforceable. 
Improper County Recorder Filings ( XXXX XXXX, XXXX ) : Recording documents related to discharged debts improperly clouds title and may constitute fraudulent or unauthorized encumbrances harming the debtors property rights. 
Motions for Relief from Stay Filed After Discharge ( XXXX & XX/XX/XXXX ) : The automatic stay under XXXX U.S.C. XXXX terminates on discharge, rendering such motions moot and possibly abusive collection tactics. Fabricated Synthetic Loan Numbers and Ignored HUD/Treasury Payoffs : The servicers use of fabricated loan numbers unrecognized by HUD, Treasury, or IRS undermines lawful debt collection and tax reporting, violating consumer protection laws. Judicial Obstruction and PACER ManipulationRepeated denial of electronic filing access and XXXX accommodations, coupled with docket manipulation, impede fair adjudication and violate the rights of a pro se litigant. PHONE BANK ACCT AND EMAIL HAVE BEEN HACKED AS EARLY AS XX/XX/XXXX IN AN ATTEMPT TO STEAL PROPERTY AND USE STRATEGY IN COURT WITH BK CASE AND LAUNDER TITLE. PRO SE DEBTOR DISCOVERED THE FULL CLARITY ON XX/XX/XXXX BY MAILING COUNTY AND MR COOPER A CEASE AND DESIST LETTER DISCOVERY OF THE FRAUD 1098S WHICH SHED notified the courts with Motion along with the RECUSAL OF JUDGE. 
I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX IS THE FILING FOR RECUSAL OF JUDGE FOR XX/XX/XXXX FRAUD JUDGMENT TO LAUNDER TITLE AND MASK THE FRAUD TO STEAL PROPERTY COLLABORATION LAUNDER SCHEME WITH TRUSTEE XXXX XXXX AND XXXX XXXX

Company response to consumer: Closed with explanation