Consumer complaint received 2024-07-29 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Mr. Cooper Group Inc.
State: NM

Complaint narrative:
I learnt that the US constitution grants certain individual rights and liberties. We were denied rights to freedom of expression, exercise of religion, and the right to be secure in our homes, persons and papers as well as other protections. What recourse does a family, including elder members with disabilities, and special needs members have when this rights are violated? We had filed an injunction during cover where the elder was hospitalized and at the same time multiple filings were made by Nationstar during the time of XXXX and hospitalization of the homeowner. This was to prevent future harm that we see the creditor collector have done in our state hopefully will prevent harm of other families in the future and to give remedies and alternative ways for families to protect them and their households by this type of abuse of the creditors position. ( See police report and order of the court ). XXXX XXXX is an affiliate of Mr Cooper and as such XXXX XXXX XXXX XXXX  XXXX and her husband, XXXX XXXX are employed by the affiliate Mr Cooper ( see letter ), they also are private persons coming with other armed persons acting under color of state law despite knowing that they need a search warrant and knowing they violated the familys rights through trespassing breaking window, and forcing locks and breaking screens of the personal residence of the XXXX, XXXX XXXX, XXXX family of the last 16 years, which they have held statutory title ( 10 years for NM state title laws ). The conduct of this parties was in violation of clearly stablished statutory or constitutional rights of which a reasonable person would have known. 

Nationstar actions has or should have relied upon the state statute and the help of the sheriff, Nationstar actions were considered state action. A state sheriff was involved and the statute provided a self-help option for creditors, then Nationstar is classified as a state actor. this involves a presumptive knowledge of and respect of basic unquestioned constitutional rights, acting intentionally and with malice, ( XXXX ) depriving and violating homeowner occupants of those rights of which a reasonable person would have known. XXXX vs NY citydept of social services, 436, US ( 658 ) 1978. This actions have become so prevalent in XXXX that when I inquired who the plaintiff was, they told me at XXXX XXXX that there are dozens of cases and that I need to specify the case as they have many and grouped as entities ( Nationstar? servicelink? XXXX XXXX XXXX of XXXX banker? ) that has become a custom ; however I do believe it is a matter of training and education and could be prevented in future for other families like us. I understand that single decision is not enough without considering all interests of the parties, hence the appeal. However, these XXXX XXXX or XXXX XXXX  XXXX  has subjected the dwellers of XXXX XXXX XXXX XXXX, XXXX, NM XXXX to excessive force, and constitutional violations as far to order the water to cut off that feeds the air cooler in 99 degree weather to a household that has a XXXXyear old elder with XXXX and XXXX and on XXXX, gone to the treasury to produce vesting preliminary paperwork for a special warranty deed that Mr Cooper sent to file through their attorneys XXXX and XXXX XXXX XXXX XXXX to New Mexico XXXX bernalillo XXXX XXXX government that exhibits deliberate indifference to the constitutional rights of its citizens. The XXXX XXXX clerk has a officially-adopted policy of permitting filing that XXXX include the particular constitutional violation ( RESPA, TILA, HOEPA ) as it has a race status. ( XXXX v XXXX XXXX XXXX XXXX XXXX, XXXX XXXX cir XXXX. We had declared homestead in XXXX and military exceptions and since then we paid taxes and insurance and occupied the home and we were set up on a monthly basis for payment of taxes about 2 years ago. The county ( Teasurer ) adopted an official policy that caused a constitutional violation, and violated the 14th amendment equal protection cause under 42 USC 1983 claim. Any communications were intercepted by the affiliate that was offered privilege pricing on the home of someone else and it was not received. My mother lost the keys and went to the post office to have keys made and was told to have the mail retained at the post office until keys are made. We got a lender confidential notice that was sent to OUR address, so because the borrower did not ever lived at our home for the last 16 years, we gave it back UNOPENED to the post office. Then a correspondence from Nationstar AKA mr Cooper, was sent to us at our home and addressed to my mother, XXXX XXXX, at the same time 2 other notices came, the same day ( electronic verification -see exhibit ) and while one post office clerk told the other give them all the mail to their address the other ( see photo ) allegedly withheld one pice. From Mr Cooper that was later told to us that was mistakenly returned to the sender Mr Cooper ) A report with the AG/USpostmaster was made and investigation was opened on that particular piece ( s ) of mail. There have been over the last 16 years mail directed to other people using our personal residence postal address, that were sent back and received by the post office and resent to us and sent back as not at this address to the sender. We now have discovered that those were used for allegedly fraudulent FHA and other loans using our address fraudulently as those actors never lived here.

42 U.S.C. 1983 states Every person who, under color of any statute ordinance, regulation, custom or usage, of any territory, subjects, or causes to be subjected, any citizen of the United States or other person within the jurisdiction thereof to the deprivaton of any rights or privileges, or immunities secured by the Constitution and laws, shall be liable to the party injured in an action at law, suit in equity brother proceeding for redress.

Company response to consumer: Closed with explanation