Consumer complaint received 2020-03-16 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: HI

Complaint narrative:
Nationstar/Mr. Cooper lied to me that on XX/XX/XXXX case # XXXX they sent an original note signed in blank. Nationstar Mr. Cooper sent to me via US MAIL and VIA email to me from XXXX XXXX page 73-75. Hard copies were sent postmarked XX/XX/XXXX sending the copy of original Note signed in blank. See exhibit A : letter from XXXX XXXX. 

See Exhibit B : Note signed in blank ( hard copy and email are the same ) Nation star/Mr. Cooper lied again on XX/XX/XXXX in the response to ourcomplaint XXXX at CFPB that MERS mortgage electronic registered system had a record of keeping track of the loan in question case # XXXX. 

Their response Was signed by XXXX XXXX dated XX/XX/XXXX in correspondence to our complaint filed XX/XX/XXXX. 

See Exhibit C : XXXX XXXX letter confirming MERS information. 

As you can see Miss XXXX states it was never in the MERS system. See her signed letter bullet MERS stating : " Your correspondence mentioned the mortgage electronic registration system, As you can confirm by the note and mortgage this loan was not part of the MERS system, therefore any requests related to the MERS are invalid, as this loan was never in the MERS system. '' Then See bullet Your correspondence mentions " the mortgage electronic registration system MERS as you can confirm by the executed note and mortgage, at origination of the loan you agreed to designate MERS as a nominee on the loan. Please be advised that MERS, did not have any servicing duties towards this loan but only acted in its function as a nominee in that function the duties of MERS included Tracking ownership and servicing rights to the loan. MERS did not affect validity, ownership of the loan or standing of a servicer two foreclose but merely tracked its ownership. Moreover, any assignments issued by MERS remain valid. '' As you can read in Exhibit C her two statements are absolutely conflicting ( contradictory ). Nationstar/ Mr Cooper employees have no correct information regarding this mortgage in question and are fabricating falsified documents to fraudulently establish legal standing which they dont have. 

Please refer to XXXX XXXX Resolution letter case # XXXX from XXXX XXXX page 4, stating As you can confirm by your note and mortgage, this loan was not part of the MERS system, therefore any requests related to MERS are invalid, As this loan was never in the MERS system. 

See exhibit that Nationstar/Mr. Cooper sent as their response to our complaint # XXXX To CFPB dated : XX/XX/XXXX That is fraudulent and a lie. Now Nationstar/Mr Cooper through their attorneys XXXX XXXX   have committed perjury In the state of Hawaii second circuit court. 

Furthermore for back up documentation on XX/XX/XXXX on recorded phone call with nationstar Mr. Cooper employee XXXX XXXX stated that the loan was in The mortgage electronic registration system ( MERS ). XXXX initiated Mr. Cooper to send us documents via XXXX dated shipping date XX/XX/XXXX. In the documents was another letter dated XX/XX/XXXX From Nationstar/Mr. Cooper employee XXXX XXXX. COOPER NUMBER : XXXX The Letter States your correspondence mentioned the mortgage electronically registration system XXXX  as you can confirm by your executed note and mortgage, at origination of the loan you agreed to designate murders as a nominee on the loan. Please be advise that MERS, did not have any servicing duties towards this loan, but only active in its function as Nominee on the loan. 



The letter from Miss XXXX XXXX also states XXXX XXXX was the investor Which was a fraudulent statement because because a recorded assignment was never established in Hawaii land Court. 



XXXX, XXXX, Nationstar loan services and Mr. Cooper never had legal Rights to collect. 

Nation star committed perjury through their attorneys XXXX XXXX in the second circuit court By filing a lawsuit with no legal standing and stating to the court that they have the original mortgage note signed in blank in a safe in XXXX which is a lie.

Company response to consumer: Closed with explanation