Consumer complaint received 2021-05-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
Dear Mr. Cooper, Your response to the administrative procedure letter dated XX/XX/XXXX, aka CFPB complaint XXXX is both false and unacceptable. Upon reviewing the response provided to the CFPB by Mr. Cooper representative XXXX XXXX, I contacted XXXX XXXX. XXXX XXXX has stated they do not own the mortgage or the note. Mr. Cooper has stated in multiple documents that XXXX XXXX  owns the mortgage and the note and even stated that XXXX XXXX was the holder in due course of the mortgage and the note. XXXX XXXX is not the owner of the mortgage or the note. I have attached the emails to and from XXXX XXXX which show XXXX XXXX  is disputing Nationstar Mortgage XXXX dba Mr. Cooper in its claim that Fannie Mae owns the mortgage and the note. 
Nationstar Mortgage, XXXX has not provided the accounting ledger or the loan history from XXXX to the present. Nationstar Mortgage, XXXX has not proven any debt exists. Nationstar Mortgage, XXXX DID NOT hold the mortgage or the note when it filed a claim and wrongful foreclosure suit against me. The assignment of mortgage recorded by Nationstar Mortgage, XXXX was recorded FIVE DAYS AFTER the suit was filed for the SOLE PURPOSE of foreclosing. 
Article 9 requires the holder of the mortgage to be the owner of the debt as a condition precedent to enforcement of the mortgage. If the foreclosing party does not own the debt, the foreclosing party does not have the right to enforce the XXXX ) A party must prove it has standing to bring a mortgage foreclosure complaint by establishing an assignment or equitable transfer of the note and mortgage prior to instituting the complaint. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ). Nationstar Mortgage, XXXX can not and did not prove standing. There was no equitable transfer of the note and mortgage to Nationstar Mortgage, XXXX  by ANY PARTY. 
A mortgage has to be properly assigned to the named Trust in the following sequence : A ) Assignment from the originator who funded the loan, to the Sponsor. B ) Assignment from the Sponsor to the depositor. The sponsor is the party who organized the securitization process. C ) Assignment from the depositor to the trust. Which of these does Nationstar Mortgage, XXXX claim to be. 
XXXX XXXX response by XXXX XXXX to CFPB complaint XXXX states Mr. Cooper refutes any and all allegations of a wrongful foreclosure action as we can confirm that our servicing of the account was in accordance with all state and federal laws, as well as the terms outlined in the Note and Deed of Trust. While we regret that you remain dissatisfied with our previous responses sent, our position remains unchanged. Under Federal law, a servicer must be collecting and distributing the payments to the OWNER of the mortgage and note. Who was Nationstar Mortgage, XXXX collecting payments for? XXXX XXXX is NOT the OWNER of the mortgage or the note. Therefore, servicing errors DID occur and Nationstar Mortgage, XXXX was collecting payments and not distributing the payments to the lawful owner of the mortgage and the note. 
The assignment of mortgage provided by Nationstar Mortgage, XXXX in the CFPB complaint XXXX is null and void. The assignment to XXXX  XXXX XXXX XXXX XXXX XXXX was declared null and void, therefore, any assignment from XXXX XXXX XXXX XXXX XXXX XXXX to another party is null and void. XXXX XXXXXXXX XXXX XXXX, XXXX can not assign a mortgage to another party which it has no interest in. XXXX XXXX XXXX XXXX XXXX is not the owner of the mortgage or the note, has no interest to assign or transfer in the mortgage or the note. XXXX  XXXX XXXX XXXX, XXXX was not acting in a NOMINEE capacity for another party because no party exists. Nationstar Mortgage, XXXX employees prepared, executed and recorded the assignment. Nationstar Mortgage, XXXX can not act as both assignor and assignee and can not assign a mortgage to itself from a party that did not have legal capacity to transfer ownership. 
Nationstar Mortgage, XXXX can & will be held liable for its actions against the homeowner. Nationstar Mortgage, XXXX failed to provide a point for point response to the administrative procedures act letter. Nationstar Mortgage, XXXX, through its employees has continued to commit perjury and has refused to provide or offer an acceptable solution in regards to the wrongful foreclosure. Collecting payments on a debt which does not exist and stating the mortgage and note are owned by XXXX XXXX is unjust enrichment, thefy of property is a criminal act. 
I have attempted to resolve these matters according to the administrative procedures act and Nationstar Mortgage, XXXX has continued to provide me with evidence of perjury and theft. 
First and foremost, I want the title returned to me. The only other solution to remedy the theft of title is A. ) for Nationstar Mortgage XXXX to refund every single penny taken from the homeowners, which was taken under false pretense that XXXX XXXX owns the mortgage and the note, which they do not. B ) Pay me triple damages for the injury caused by Nationstar Mortgage, XXXX to the homeowner. That is my final offer.

Company response to consumer: Closed with explanation