Consumer complaint received 2022-12-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: OH

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT To : NATIONSTAR MORTGAGE LLC dba MR. COOPER GROUP and all Agents., et al Attn : XXXX XXXX XXXX President MR. COOPER XXXX XXXX XXXX XXXX Chief Financial Officer, MR COOPER XXXX XXXX XXXX XXXX XXXX XXXX XXXX MR COOPER Ref. : Satisfaction of deed of trust Notification of challenge to outstanding debt claim : Your organization has made a claim that there is an outstanding debt associated with a deed of trust dated on or about XX/XX/XXXX, however, that deed of trust was satisfied upon deposit with the Federal Reserve agent- TITLE IV, sec . 401. the sixth paragraph of section 18 of the Federal Reserve Act is amended to read as follows : " Upon the deposit with the Treasurer of the United States ( a ) of any direct obligations of the United States or ( b ) of any notes, drafts, bills of exchange acquired under the provisions of this act, any Federal Reserve bank making such deposit shall be entitled to receive from the Comptroller of the Currency circulating notes. 

You have mistakenly documented that my property was security for the loan, this is contrary to the Federal Reserve act, the XX/XX/XXXX act, presidential proclamation XXXX as well as the official congressional record for XX/XX/XXXX. Under the provisions of that act, which is still valid and enforceable to the present day, the promissory note tendered to the Federal Reserve agent, that was duly notarized, and signed with a blank endorsement, constituting tender of payment via legal tender as prescribed in the aforementioned act. Please take special note of the law concerning promissory notes : when issued against the security of notes bills of exchange acquired under the provisions of this act, the amount thereof shall be equal to not more than XXXX percent of the estimated value of such notes, drafts, bills of exchange so deposited as security. Such notes shall be the obligations of the Federal Reserve bank ... shall be receivable at par in all parts of the United States for the same purposes as are national-bank notes, and shall be redeemable in lawful money of the United States on presentation at the United States Treasury or at the bank of issue The XX/XX/XXXX act, TITLE IV, sec. 401. Amending the sixth paragraph of section 18 of the Federal Reserve Act. 

See, it appears what you were failing to recognize is the law, coupled with the intent of Congress, is where Congress intended as did I, that promissory notes, as well as bills of exchange are the security deposits as noted above, and as such you are obligated to foreclose on that lawful Money ( The last section of the bill provides for the issuance of a new money, and so that no one would misunderstand what the new lawful money was, it was explained : this new money is to be handled. I refer to section 401, which reads : Upon deposit with the Treasurer of the United States of all contract obligations of the United States, or any notes. and so forth. Under the Federal Reserve Act obligations that are deposited as the security and gold for reserve notes are placed in the hands of the Federal Reserve agent. I would like to ask the chairman of the committee if this is a plan to change the holding of the security back of Federal Reserve notes to the Treasury of the United States rather than the Federal Reserve agent. 
XXXX XXXX. This provision is for the issuance of Federal Reserve bank notes ; not for Federal Reserve notes ; and the security back of it is the obligations, notes, drafts, bills of exchange, bank acceptances, outlined in the section ), and since this is law in the United States as of XX/XX/XXXX to the present day, it is received and redeemable at all financial institutions operating as agents of the federal reserve : When required to do so by the Secretary of the Treasury, each Federal Reserve agent shall act as agent of the Treasurer of the United States or of the Comptroller of the Currency, or both, for the performance of any of the functions which the Treasurer or the Comptroller may be called upon to perform in carrying out the provisions of this paragraph The Congressional record of intent for the XX/XX/XXXX act, TITLE IV, sec. 401. Amending the sixth paragraph of section 18 of the Federal Reserve Act.

Release : What the Lender Does After the Homeowner Pays Off the Mortgage. It is now time for the lender to release the lien. Within 3 weeks after I fully pay my loan off in Ohio State, for example, state law requires the lender to cancel the deed of trust and dismiss the trustee. 

As the homeowner, I was to receive a payoff verification letter from the lender, at which point the mortgage lien was to have been released or satisfied and officially recorded, why was this not done as required by Law? If, per the Federal Reserve act as amended by the emergency economic banking relief act, et al, the Note was the security and or the gold backing the issuance of the federal reserve notes ( Under the new law the money is issued to the banks in return for Government obligations, bills of exchange, drafts, notes, trade acceptances, and banker 's acceptances. The money will be worth XXXX XXXX XXXX XXXX XXXX because it is backed by the credit of the Nation. It will represent a mortgage on all the homes and other property of all the people in the Nation. ), why was my account not properly credited for the original NOTE security deposit as prescribed in law? 

As per the law I will need this alleged outstanding DEBT Validated and Verified, as well as proof that the original Note was not Legal Tender for the same purposes as are national-bank notes and shall be redeemable in lawful money of the United States on presentation at the United States Treasury or at the bank of issue.? 

This is to be received as an official Challenge and notice of intent to sue! This Qualifies as a written request and per law you must address the pertinent issues in law! 

If you rebut this notice, please contradict the attached preponderance of evidence as to what the Law is and the intent of the President and the US Congress via the right to contract clause agreement The NEW DEAL. 

I will expect the sale and Auction to be halted immediately and this matter resolved! 


XXXX. I require the following answers to my reasonable questions and all answers must be answered according to the following requirements. 

i ) Your answers must be in accord with TILA. 
ii ) Your answers must be truthful under oath under penalty of perjury. 
iii ) Your answers must be with a wet-ink signature and title of the representative. 
iv ) Your answers must be sent with delivery confirmation. 
v ) Your answers must be in plain, easy to understand language with a definition of all words used in your answers. 
vi ) Your answers will be reviewed by my attorney. I require your answers within fifteen ( XXXX ) days of your reception of this inquiry. 
XXXX ) Send your response to me and CFPB agents with delivery confirmation. 

I require answers to these questions because I believe that your bank has committed fraud against me per the information disclosed in the Federal Reserve Bank publication previously referenced. If what is disclosed by the FRBs publication is true, then there can be no question that fraud has been committed by your bank against me using my tradename-estate and identifiers. There is a commercial maxim of law which states, Fraud vitiates all contracts, rendering all moot. When fraud vitiates a contract, the contract no longer exists. Furthermore, any party agreeing to continue within a fraudulent contract after fraud is discovered commits fraud willingly. 
Sir, I will not participate in fraud. I now believe that no valid contract exists between my tradename-estate and your bank and your disclosure of answers to my expressed questions under penalty of perjury with your wet-ink signature will settle all controversy which now does exist. Should I not receive your written answers to my questions per the instructions of this Affidavit postmarked within fifteen days of delivery confirmation of Affidavit to your office, I will issue to you an Invoice for your action of estoppel by silence for the fee of {$500000.00} United States Dollars per estoppel by silence and per the instructions of this Affidavit. Said fees shall be payable in full to me within ten days of delivery confirmation of my invoice for fees. I will, additionally, file the following upon public record with our local county clerk of court for public record, as the following will become truth in commerce per your estoppel by silence and absence of a point-by-point rebuttal under oath : XXXX. Your non-response is an estoppel by silence and your bank will owe the stated fee to me on demand by invoice. 
2. Your estoppel by silence is your tacit admission to fraud.

3. Your admission to fraud vitiates all existing alleged contracts, agreements, and the like, under the maxim that fraud vitiates all per United States v. Throckmorton ( 98 U.S. 61, 25 L.Ed. 93 ) ; 4. Affidavit will stand as proof that unspecified fraud has been committed against me using my legal trade name and social security number.

5. All aforesaid actions will require a subsequent investigation and audit of your banking practices and release of our correspondences for the protection of the public.

Be noticed : should your bank attempt to steal my Private Property, foreclose on my home, etc. ( under the commercial term repossession or recovery or foreclosure ), such actions will be considered as hostile theft of property, unlawful commercial actions subject to prosecution, theft of property without cause, denial of due process, deprivation of rights, and criminal activity pursuant to but not limited to : Title 18 U.S.C 1001 & 1002 False statements ; Title 15 U.S.C 1692 ( E ) Fraud and misleading representations ; Title 28 U.S.C 1359 Loss of jurisdiction by collusion ; Title 18 U.S.C 241 Conspiracy, and 242 Criminal deprivation of rights ; Title 18 U.S.C 1341 Frauds and swindles ; Title 18 U.S.C 1512 Obstruction of the law ; Title 18 U.S.C 3 Criminal participation ( knowledge ) ; et al. Be noticed : any attempt to steal [ foreclose ] on my property will incur a {>= $1,000,000} Fee per Attempt or Actual Occurrence. Said fee will be payable in full upon demand and is subject to be converted from United States XXXX to United States XXXX XXXX at a face value of {$1.00} United States XXXX XXXX XXXX XXXX XXXX at a weight of XXXX XXXX ounces and at a purity of XXXX $ fine silver, with said conversion self-executing at a time of judicial filing of claim and is non-negotiable and is at your willful consent via this notice. You are hereby duly noticed This is a done in good faith and under a patent right.

Company response to consumer: Closed with explanation