Consumer complaint received 2025-07-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Lien release
Company: Mr. Cooper Group Inc.
State: NC

Complaint narrative:
This complaint is being submitted against Nationstar Mortgage LLC doing business as Mr. Cooper for deceptive mortgage servicing practices, securitization misconduct, and violations of both federal and North Carolina state law. 

On XX/XX/XXXX, Nationstar Mortgage executed a Loan Modification Agreement claiming to be the Lender. However, there was no recorded assignment from the original lender, XXXX XXXX, at that time. The Corporate Assignment of Deed of Trust to Nationstar was not recorded until XX/XX/XXXX, XXXX XXXX months laterrendering their modification act unauthorized and in violation of North Carolina contract law, securitization protocols, and RESPA disclosure requirements. 

On XX/XX/XXXX, I issued a formal * * debt validation demand and interrogatory request * * to Nationstar. The request cited RESPA ( 12 USC 2605 ( e ) ), TILA ( 15 USC 1601 et seq. ), and requested the original promissory note, the full chain of assignments, and clear investor identification. In response, Nationstar sent only * * payoff statements * *, willfully ignoring over 50 interrogatories. They never provided the original Note or lawful validation. Their repeated failure to validate the debt is a clear breach of RESPA 's mandatory response provisions and constitutes administrative default.

Despite this active dispute and pending regulatory demand, Nationstar issued a 45-Day Pre-Foreclosure Notice dated * * XX/XX/XXXX * *. Proceeding with foreclosure under these conditions is both * * deceptive and unlawful * *. It constitutes a violation of 12 U.S.C. 2605 ( e ), as well as deceptive practices under N.C.G.S. 75-1.1. 

Additionally, MERS shows the MIN status as Inactive and lists * * XXXX XXXX as the investor * *. This raises additional concern over * * standing * * and * * securitization transparency * *. Nationstar has not demonstrated lawful holder-in-due-course status or legal standing to collect or foreclose. 

Nationstar also hand-delivered a letter dated XX/XX/XXXX, acknowledging their failure to reach me and recommending I contact * * HUD * XXXX and the * * CFPB * * for debt management and foreclosure prevention. This letter functions as their own acknowledgment that dispute resolution was appropriate and ongoing. That letter, coupled with their non-response, constitutes an open offer to negotiate or resolve the matter that Nationstar failed to honor.

This pattern of abuse is consistent with prior cases including * * Robinson v. Nationstar ( 2023 WL 3138203 ) * *, * * Campbell v. Nationstar * *, and * * McGinnis v. Nationstar * *, which demonstrate a repeated pattern of misconduct.

This complaint is submitted after exhausting all good-faith administrative steps. Certified notices were sent via USPS with tracking, including formal * * Presentment Packages * *, * * Affidavits of Non-Response * *, and * * Notices of Administrative Default * *. All documents will be made available to the CFPB. 

I am now seeking enforcement action, formal investigation, and immediate intervention. Nationstar Mortgage LLC doing business as Mr. Cooper continues to ignore regulatory compliance duties and threaten foreclosure without authority, all while refusing to validate the debt as required by law.

Company response to consumer: Closed with explanation