Consumer complaint received 2025-04-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I, XXXX XXXX, submit this complaint against Rushmore Servicing ( hereinafter referred as to the Rushmore and Attorney Lender Services , Inc., ( hereinafter referred as to the Foreclosure Attorney for the wrongful foreclosure, violation of due process, and improper foreclosure proceedings. My entire patrimony with over {$500000.00} in equity will be lost as I am a victim of wrongful foreclosure. 

Public records indicate that the foreclosure sale was scheduled for XX/XX/XXXX. However, the Foreclosure Attorney proceeded with and finalized the foreclosure on XX/XX/XXXX, without providing proper notice, thereby depriving me of due process and the opportunity to address the foreclosure before the sale occurred. The foreclosure sale of my property located at XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, was conducted on XX/XX/XXXX, without proper notice and in violation of California foreclosure laws. On XX/XX/XXXX, I had a court hearing for an Unlawful Detainer Trial and was postpone for trail XX/XX/XXXX, in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX at XXXXXXXX XXXX case number XXXX. 

Complaint for Wrongful Foreclosure and Improper Foreclosure and Notice Issues. Public records always indicated that the foreclosure sale was scheduled for XX/XX/XXXX. This complaint is accompanied by supporting documentation from multiple sources that all indicated the date was scheduled for XX/XX/XXXX, including Property Radar, letter from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, another solicitation letter from another source, and text messages from realtors confirming the actual sale scheduled for XX/XX/XXXX, ( See Exhibit A ). The Foreclosure sale was wrongfully conducted XX/XX/XXXX, without notice. 

I have owned my home property since XX/XX/XXXX, and I Refinanced on XX/XX/XXXX, for {$320000.00}, with no subsequent refinances. My home was wrongfully foreclosed for {$300000.00}, The Attorney foreclosed on my home at auction without any bidders and returned to the bank as an XXXX XXXX XXXX XXXX Attached copy Trustee Deed Upon Sale Recorded/Filed in the Official Records Recorders Office , XXXX XXXX XXXX XXXX California Doc XXXX No. XXXX on XX/XX/XXXX, ( See Exhibit B ). 

I became delinquent with my mortgage payments due to curtailment of household income. A Notice of Default was Recorded/Filed in the Official Records Recorders Office XXXX XXXX XXXX XXXX XXXX XXXX ( Doc. No. XXXX ) on XX/XX/XXXX, indicating the arrears of {$28000.00} due as of XX/XX/XXXX, ( See exhibit C ). A Notice of Sale was Recorded/Filed in the Official Records Recorders Office XXXX XXXX XXXX XXXXXXXX XXXX XXXX on XX/XX/XXXX ( Doc. No. XXXX ), with the foreclosure sale scheduled for XX/XX/XXXX, ( See exhibit D ). The Foreclosure Sale was postponed scheduled for XX/XX/XXXX, and again the Foreclosure Sale was postponed scheduled for XX/XX/XXXX, ( See attached Exhibit A ). The Foreclosure Sale was executed on XX/XX/XXXX, without any notice. 

I filed XXXX XXXX Bankruptcy on XX/XX/XXXX ( XXXX XXXX. XXXX ) and the XXXX  ( a ) Meeting held on XX/XX/XXXX, via zoom. On XX/XX/XXXX, I called Rushmore and made the mortgage Bankruptcy Plan payment of {$3100.00} and was advised that I had no foreclosure sale date and was suspended with no sale date. 
I received a mortgage statement dated XX/XX/XXXX, showing {$6300.00} due XX/XX/XXXX. Attached is a copy of my mortgage statement ( See Exhibit E ).

The Wrongful Foreclosure was conducted without proper notice or procedure ; violates Civil Code 2924. Accepting payment and issuing mortgage statements indicates the debtor-creditor relationship was active. The Foreclosure occurred shortly after bankruptcy dismissal on XX/XX/XXXX, potentially violating federal bankruptcy laws. No written notice was provided for the XX/XX/XXXX, foreclosure sale date. 

There are Unfair Business Practices ( XXXX XXXX XXXX XXXX XXXX ) with Misrepresentation and misleading communication by Rushmore and by the Attorney. My entire family and I will suffer irreparable damage and irrevocable emotional harm if we lose our home into foreclosure. All of my children have spent their formative years of their lives in our home. I have worked very hard all my life to be able to make my mortgage payments.

I seek relief to Rescind the foreclosure trustee sale, allow me to apply for a loan modification for all the past due amount or allow me to reinstate the past due delinquency. Rushmore Servicing and Attorney
Lender Services Inc., acted unlawfully in foreclosing on my property. I request the Consumer Financial Protection Bureau to intervene and provide appropriate relief.

Company response to consumer: Closed with explanation