Consumer complaint received 2024-10-04 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Mr. Cooper Group Inc.
State: WA

Complaint narrative:
This is a complaint filed in response to previous complaint filed on XX/XX/XXXX XXXX where Mr Cooper , in another fraudulent tactic to avoid responding, falsely stated my complaint was submitted by or includes an unauthorized third party. They stated they are unable to respond to the complaint without the authorization of the consumer ( me ).

There is an AUTHORIZED THIRD PARTY on my account that I included in the complaint and I am the only consumer listed on the account. After speaking to XXXX with the CFPB, he advised I file another complaint because Mr Cooper did not provide any information of who needed to be contacted out of the numerous departments, names, phone numbers and email addresses I have been provided over the last approximate 10 years of dealing with their fraudulent and deceptive practices ( as documented by the AUTHORIZED attorney on my account who has been assisting since XXXX of this year and documents they provided to the Department of Financial Protection and innovation. 

Because Mr. Cooper used this deceptive tactic to avoid having to respond to my complaint filed on XX/XX/XXXX, I will copy and paste that again here. 

After 9 years of being in the loan modification process as a result of violations found by The Independent Foreclosure review and other errors, Mr Cooper finally modified my loan in XXXX. During this time, in XXXX, my home was destroyed in a fire. Mr Cooper has held approximately {$200000.00} of my insurance money in my escrow account preventing me from rebuilding my home. 
As soon as the loan modification went through, I was able to secure a contractor to begin the work which started in XXXX after Mr Cooper released some rebuild money. However, the contractor had to walk off the job because Mr Cooper falsely stated that only 3 % of the work was done. I was in a dispute with Mr. Cooper over this. I had to stop making payments due to an uninhabitable property and home that had no permanent power or certificate of occupancy and the cost to rebuild was now probably double to three times more than what was paid out. I had to stop making payments on a temporary power pole and the utility bills. 
Mr. Cooper corrected their error and changed the amount of work done to 10 %. They then corrected that amount to 15 % and after a last inspection occurred in XXXX of last year which also included asbestos removal that I believe had been omitted in other reports, the percentage of rebuild work that was correctly reported was listed at 30 % which was enough to release more rebuild money to me to allow me to continue the rebuild of my home. That last report was signed by the inspector and the witness. 

Mr Cooper then falsely stated to the Department of Financial Protection and innovation that I requested another inspection because I didn't like that 30 % inspection. They falsely stated another inspection occurred at my property approximately a week later which never occurred. They then dropped the percentage of work down to 10 %, and started foreclosure. 
Since that time I have requested the inspection reports and other information which they failed to provide while bombarding me with hundreds of pages of information I never requested. 

In XXXX I retained an attorney who requested the same information. At the end of XXXX there was a scheduled foreclosure sale and they called the day before requesting a new inspection. On the day of the sale they bombarded my attorney with documents and had planned to foreclose but postponed it. Those documents did not include the requested information. 
They continued on with foreclosure proceedings that they scheduled for XX/XX/XXXX while withholding the information and documents my attorney requested. The day before this most recent foreclosure, they sent my attorney a bogus email that was not what he requested and stated they provided everything to him. I spent hours on the phone being transferred from agent to agent with Mr Cooper on XX/XX/XXXX and XX/XX/XXXX in an effort to stop the Foreclosure particularly with a new scheduled inspection date of XX/XX/XXXX but they stated they were going to foreclose. 
My attorney sent Mr. Cooper and their foreclosure attorneys this email yesterday and I included the thread from XX/XX/XXXX of an email he also sent them : Account # XXXX XXXX XXXX Good day to all : Please be advised that the only correspondence I received yesterday related to Mr. Cooper was this strange undecryptable email. 

Also as said on XX/XX/XXXX, the only question answered from my requests was the first one - and possibly the fifth one about inspection reports ( if there were no legitimate inspections, which appears to be the case here ). 

It appears further inspections ( maybe ones that will be properly signed ) are being planned. 

If so, it would not make sense to go through with a foreclosure sale today. 

I therefore request that a foreclosure for today be canceled on the property related to the above mentioned account. 

Thank you XXXX XXXX, XXXX. 

For XXXX XXXX XXXX On Wed, XX/XX/XXXX at XXXX XXXX XXXX XXXX wrote : Account # XXXX XXXX XXXX XXXX have agreed to allow my client, XXXX XXXX XXXX to have another inspection at her property which is in the process of being scheduled at the request of Mr. Cooper. I expect the previously requested original, unaltered inspection documents and inspection/inspector information to be received at least a week prior to that for my review. Although you have sent volumes of documents relating to the first request perhaps, I have yet to receive what was requested. Let me go through the requests : 1. PLEASE PROVIDE ALL INSPECTION DOCUMENTS THAT WERE PREVIOUSLY MAILED TO XXXX XXXX. 


You answered the first one. Thank you.

2. PLEASE PROVIDE THE DATES OF EACH INSPECTION THAT OCCURRED TO ASCERTAIN THE PERCENTAGE OF WORK COMPLETED. 
XXXX. PLEASE PROVIDE THE NAME OF EACH INSPECTOR, PROOF OF THEIR LICENSING AND THE COMPANY FOR WHICH THEY WORKED. 
4. PLEASE PROVIDE THE PERCENTAGE OF COMPLETION OF WORK THAT EACH INSPECTOR REPORTED. 


The above XXXX needed some type of statement for each. No responses were received. 


5. PLEASE EMAIL COPIES OF EACH SIGNED INSPECTION REPORT CONTAINING THE SIGNATURES OF BOTH THE INSPECTOR AND THE WITNESS THAT BACKS UP THE ABOVE INFORMATION. 


For the above question, these documents were not provided at all, so I must conclude that there were no signed inspection reports. 

So I have to conclude that the property was never properly inspected. So if you do not show these documents by the next inspection, I must conclude that Mr. Cooper never had any legitimate inspection documents to begin with, which is what we suspected all along. 

6. PLEASE PROVIDE THE NAME OF THE REPRESENTATIVE FROM YOUR INSURANCE DEPARTMENT THAT YOU CLAIM MS XXXX SPOKE TO ON XX/XX/XXXX REQUESTING A SECOND INSPECTION. 

7. PROVIDE THE NAME OF THE REPRESENTATIVE THAT YOU ALLEGE XXXX XXXX SPOKE TO FROM YOUR INSURANCE DEPARTMENT ON XX/XX/XXXX. 

For the final two, no statements were given.

Please focus on the bold, and send me the documents -- or tell me that they do not exist, which is probably the reality. 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation