Consumer complaint received 2025-01-01 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
This is a complaint against Rushmore Servicing ( Rushmore ) aka Mr. Cooper as dba for Nationstar Mortgage LLC where XXXX XXXX transferred the below-referenced " debt of {$200000.00} ''. 

Rushmore admits to violating RESPA and state laws by not acknowledging my qualified written request ( QWR ) within XXXX business days in response to my XX/XX/XXXX QWR. Failure to timely acknowledge XXXX necessitated additional mailing expenses on my part. 
Rushmore failed to validate and substantiate the below-referenced debt of {$200000.00} in accordance with federal, state and local laws, 2 ) none of Rushmores responses are responsive to the issues presented in my XXXX XXXX ) Rushmores responses are generalized boilerplate objections to my requests in response to which Rushmore failed to provide any resolutions. 

After a series of events including ( falsely ) reporting me as delinquent to XXXX on XXXX XXXX, XXXX, I submitted my XXXX dated XX/XX/XXXX to XXXX XXXX. XXXX XXXX response was a XXXX page letter along with a Proof of Claim in the amount of {$200000.00} filed in XXXX XXXX  bankruptcy case XXXX. Notably, this Proof of Claim for {$200000.00} was rejected and did NOT appear under the final bankruptcy trustee report ( attached ). 

Under the final chapter XXXX trustee report XXXX XXXX XXXX was entitled to {$1300.00}. Yet, XXXX XXXX claims that its XX/XX/XXXX response to my QWR was sufficient with its proof of claim for {$200000.00} which was rejected and did not appear under the final XXXX XXXX bankruptcy trustee report ( attached ). 

My Second Qualified Written Request was served on XXXX XXXX XXXX on XX/XX/XXXX and via certified mail. Instead of providing an answer, XXXX XXXX XXXX transferred servicing rights to Rushmore Servicing aka Mr. Cooper as dba for Nationstar Mortgage LLC as evident from Rushmore Servicing aka Mr. Cooper as dba for Nationstar Mortgage LLC initial communication to me in the form of Annual Escrow Account Disclosure Statement ( thereafter escrow analysis or Letter ) dated XX/XX/XXXX which I equally objected to and for the reasons stated in my subsequent QWR inclusive of my XXXX Qualified Written Request. 

In my multiple QWR I detail multiple issues with the documents, billing, the incorrect reporting of the escrow account balance due to miscalculation of the amounts due which caused RushmoreXXXX XXXX demand substantially more each month than was allowed under RESPA. I have a reason to believe that their miscalculation of monthly escrow payments also overstated my monthly installment and corresponding arrears if any. In my QWRs, I describe the use of " creative '' computational techniques that artificially inflate the amounts needed to pay escrow bills ( which is violative of RESPA ). 

In its letter dated XX/XX/XXXX XXXX XXXX refuses to respond to my XXXX QWR because issues were either addressed in the above referenced previous responses or indicated as proprietary, overly burdensome and duplicative. XXXX XXXX never disclosed specifically what question in any of my previously sent QWRs XXXX XXXX considers proprietary, overly burdensome and duplicative. XXXX XXXX simply refused to send an acknowledgment letter to my XXXX QWR and refused to respond to my XXXX QWR. XXXX XXXX further directed me to contact Rushmore whereas Rushmore, in its letter dated XX/XX/XXXX states that my XXXX QWR has no legal validity and as such is in a form that is not reasonably understandable. And enclosed letter dated XX/XX/XXXX. We have validated the debt multiple times in our prior responses dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. These letters are enclosed for your reference with the enclosures omitted.. Notably all XXXX of these letters are generalized, boiler-plate responses which appear without enclosures. 

I demand that Rushmore responds to each and every question in my XXXX Qualified Written Request ( attached ) as I continue to question the authority of the servicer to act as an agent for a party who is not corroborated as having ownership of an unpaid loan account, and it is the payments, interest, and balance due that are at stake. 

The Final Report by XXXX XXXX Bankruptcy Trustee accepting XXXX XXXX XXXX claim solely as to {$1300.00} is attached. Notably, Rushmores reliance on XXXX XXXX page response with its Proof of Claim for {$200000.00} which was rejected and did NOT appear under the final XXXX XXXX  bankruptcy trustee report is entirely misplaced as Rushmore continues its violative practices by refusing to respond to my qualified written request which Rushmore labels as having no legal validity. 




Attached are : Final Trustee Report in XXXX XXXX XXXX XXXX Proof of claim for {$200000.00} rejected and does not appear in Final Trustee Report. 
XXXX confirmation of XXXX XXXX falsely reporting delinquency on XX/XX/XXXX. 
Letter by XXXX XXXX XX/XX/XXXX XXXX QWR with attached original QWR dated XXXX XXXX XXXX sent to Rushmore with attached XXXX, XXXX, XXXX and XXXX QWR

Company response to consumer: Closed with explanation