Consumer complaint received 2022-07-29 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
In 2015, the US Federal Agency investigation acknowledged and concluded that I am a victim of identity theft and mortgage fraud. The 2006 mortgage was procured by fraud.

The Credit Bureau 's separate internal investigation concluded the same. 

The investigation resulted in removing the mortgages and federal tax liens from my credit report, tax transcripts, and public records in FL and NY. 

The NY XXXX XXXX XXXX referred my case to the FBI due to multiple jurisdictions being involved. 

In 2015, the FBI worked diligently in pursuing charges against the loan originator for 3 months until the Federal Statute of Limitations expired on the 2006 mortgage. 

In 2020, 5 years after the Federal Investigation, I was blindsided by a " Notice of Sale '' mailed to my po box .

I was forced to file for bankruptcy to stay the sale of my home and cancel scheduled XXXX. 

I filed a complaint with the CFPB. A company by the name of Mr. Cooper responded. 

Mr. Cooper acquired the Mortgage debt in 2016. 
( 8 ) years after Default, 2008 ( 2 ) years after Statute of Limitations Expired on the mortgage debt, 2014.

( 1 ) year after the Federal Investigation acknowledged I'm a Victim of Identity Theft and Mortgage Fraud, 2015 Mr. Cooper 's response to CFPB complaint was deceptive and convoluted.

Mr Cooper acquired The Mortgage debt in 2016.

Mr. Cooper knowingly and deliberately withheld the knowledge of being a third-party debt collector attempting to collect a debt. Governed under the FDCPA Mr. Cooper deliberately withheld knowledge of the State Statute of Limitations to collect the debt had expired in 2014. 

Mr. Cooper and their attorneys XXXX XXXX engaged in fraudulent and deceptive business practices violating GBL 349 In 2018, XXXX XXXX misrepresented material facts to the court, committing fraud upon the court. 

XXXX XXXX was unauthorized to file a motion seeking Summary Judgment of Foreclosure XXXX XXXX, attorneys representing the third party debt collector, deceptively claimed to represent the named Plaintiff /Lender they chose. 

In 2018, XXXX XXXX was erroneously granted Summary Judgment of Foreclosure on behalf of the Plaintiff/Lender ( Wrong Bank , Note ) On XX/XX/XXXX Application for index # was filed By XXXX XXXX XXXXXXXX XXXX XXXX XXXXeported Type of Action : NOP On XX/XX/XXXX The Clerk of Court recorded XXXX XXXX  XXXX NOP Remarks XXXX No Note, Wrong Bank Assignments of Mortgage : Confirmed XXXX XXXX  XXXX XXXX XXXX wrong Bank. There is no Note On XX/XX/XXXX Bank XXXX XXXX XXXX ( Amended ) On XX/XX/XXXX The XXXX XXXX XXXX recorded XXXX XXXX XXXX XXXX ( Amended ) Remarks : No Note, Wrong Bank Assignments of Mortgage : Once again, XXXX XXXX XXXXXXXX was confirmed as the wrong Bank. There is no Note XXXX XXXX  XXXX did not have standing. 

XXXX XXXX XXXX did not initiate a Foreclosure Proceeding under New York State Law. 

Mandatory required documents to initiate a Foreclosure Proceeding in New York were never filed with the Court. 

Most importantly, XXXX XXXX XXXXXXXX was not represented by XXXX XXXX. Confirmed by court documents. 

Furthermore, Mr. Cooper confirmed being represented by XXXX XXXX in a written response to my CFPB complaint. 

Mr. Cooper did confirm that I was not served the " alleged '' Amended Complaint. 
Stating : " No person was found, or otherwise served at the property address, '' Mr. Cooper alleges I was represented by Council.

Mr. Cooper 's claims are illogical. If I were not served, I would not know to contact and retain an attorney. 

It serves Mr. Cooper to believe the narrative that the Perpetrator of Identity Theft and Mortgage Frauds attorney ( XXXX XXXX ) appeared on my behalf. However, it is unlikely that any reasonable person would believe the Perpetrator 's attorney showed up to protect my best interest. 

CPLR 320 : Unauthorized Appearance by an Attorney Does Not Confer Personal Jurisdiction upon a Defendant XXXX XXXX XXXX XXXX XXXX XXXX XXXX, In 2022, XXXX XXXX filed a " certified '' to be a true copy of the original document. Requesting the Federal Bankruptcy Court to lift the stay. 

The " certified document '' is ALTERED, FORGED, and FRAUDULENT. 
XXXX XXXX altered my name as it was typed on the original mortgage document. Changing my married name to my maiden name. 

XXXX XXXX had the audacity to forge my signature. 

XXXX XXXX removed the NOTARY SEAL, making the mortgage unable to be recorded. 
Resulting in a " void '' mortgage Mr. Cooper and XXXX XXXX violated my rights. Through deception and fraud. Having devastating financial and medical consequences. Re-victimizing me as a victim of Identity Theft and XXXX. 

XXXX XXXX is the new loan servicer. XXXX XXXX does not have information that I am on the mortgage. They sent a letter to my home address stating that the XXXX of Limitations to collect this debt has Expired. 


The unnecessary delay in XXXX has left me permanently disfigured. Re-victimized as a victim of identity theft and fraud. Thankfully there are bureaus such as the CFPB and the FTC. I am grateful for the government investigating the complex Financial crimes committed in my name. The individuals involved have no idea how deception and fraud have the ability to destroy someone's life not only financially. I hope that compliance is enforced. Individuals who have been given the power and authority to enforce the law and not to abuse the law should be held accountable for their actions. Once a person takes advantage of the privilege they have been given it is no longer a privilege they deserve. 

Thank you for your time and assistance in this matter.

Company response to consumer: Closed with explanation