Consumer complaint received 2026-01-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXn\nConsumer Financial Protection Bureau (CFPB) \nP.O. Box 27170 Washington, DC 20038\n\nDate: XXXX XXXX XXXXn\nRe: Formal Complaint  Wrongful Foreclosure, Property Misidentification, Improper Conveyance, and Title Clouding Involving XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXn\nWe submit this joint complaint to report wrongful foreclosure activity, property misidentification, improper conveyance, and title clouding involving our two separate properties, 5108 Alexander Avenue and 5090 Alexander Avenue, in Union City, Georgia.\n\nCritically, U.S. Bank National Association had no vested interest in either property at the time of foreclosure, and the bank had already acknowledged in a prior court filing that the collateral description in the 2007 Security Deed was defective. \n\nIn Civil Action XXXX, U.S. Bank admitted:\n\nDue to mistake, the legal description of the Property contained in the Security Deed contains an incomplete description of the Property. The Security Deed incorporates an unrecorded survey plat attached as Exhibit A thereto, rather than a metes and bounds description of the Property. The survey plat attached as Exhibit A appears to inverse the lot numbers shown in the Plat.\n\nThis admission confirms that U.S. Bank knew the property it foreclosed on in XXXX was incorrectly identified and that the Security Deed did not contain a valid legal description of any real property.\n\nFurther, the Lis Pendens filed by U.S. Bank in XXXX XXXX XXXX XXXX XXXX which cross referenced the defective XXXX Security Deed in XXXX XXXX XXXX XXXX XXXX, was withdrawn and voluntarily dismissed without prejudice on XXXX XXXX XXXX This withdrawal occurred one month after U.S. Bank executed a Quit Claim Deed Release (XXXX XXXX XXXX XXXX XXXX) on XXXX XXXX XXXX which also cross referenced the same defective XXXX Security Deed and divested the bank of any remaining interest in the collateral described therein.\n\n XXXX XXXX  purchased the property XXXX XXXX XXXX  sold to her by XXXX XXXX identified by Parcel ID XXXX XXXX XXXX XXXX.  This property is the same collateral described in the Quit Claim Deed Release that U.S. Bank National Association divested their remaining interest in and voluntarily withdrew the Lis Pendens.\n\nDespite:\n\tadmitting the legal description was incorrect,\n\tacknowledging the survey was unrecorded and inverted,\n\twithdrawing the Lis Pendens, and\n\texecuting a Quit Claim Release that extinguished its interest,\n\nU.S. Bank proceeded with foreclosure activity on XXXX XXXX XXXX using the wrong parcel ID, the wrong legal description, and the wrong subdivision, resulting in foreclosure and dispossessory actions against properties that were never part of the mortgage chain. \n\nThese actions have clouded the titles of XXXX XXXX XXXX XXXX XXXX XXXX and has caused ongoing harm.\n\nI. Background  Three Distinct Properties Wrongly Treated as One\nThrough review of the XXXX XXXX XXXX XXXX the XXXX XXXX, recorded deeds, and county parcel assignments, we confirmed that the following are three separate tracts:\n\n1XXXX XXXX XXXX XXXX XXXX XXXX Property\n\tDefined by a metes and bounds description beginning XXXX XXXX XXXX XXXX XXXX XXXX XXXX.\n\tDoes not include XXXX XXXX XXXX XXXX  of the XXXX XXXX\n\tDoes not match the foreclosure footprint.\n\tHas never been part of the parcel ID used in the foreclosure filings.\n\n\n2. XXXX XXXX XXXX XXXX XXXX XXXX Property\n\tA separate tract southeast of XXXX\n\tHas its own chain of title.\n\tWas incorrectly associated with foreclosure activity despite no legal connection.\n\n\n3. Parcel XXXX  Introduced Only After Foreclosure\n\tParcel XXXX did not appear in any Security Deed, Lis Pendens, foreclosure advertisement, foreclosure deed, or dispossessory filing.\n\tParcel XXXX was introduced only after the foreclosure, when U.S. Bank National Association used it to create the Special Warranty Deed to XXXX XXXX XXXX XXXXThe foreclosure filings and dispossessory action were based on XXXX XXXX belonging to XXXX XXXX XXXX not XXXX XXXX XXXX is a third, unrelated tract that U.S. Bank later used to fabricate a conveyance to XXXX XXXX XXXX XXXX, despite having no lawful basis to do so.\n\XXXX XXXX references the XXXX XXXX footprint that is associated with XXXX XXXX XXXX XXXX XXXX XXXX  Deed.\n\nII. Parcel ID Mismatch and Legal Description Conflicts\n\nThe foreclosure filings and dispossessory action relied on:\n\tParcel ID XXXX XXXX XXXX XXXX parcel\n\tThe defective Security Deed (XXXX XXXX XXXX XXXX)\n\tA foreclosure deed describing a different tract entirely\nXXXX XXXX was not used in the foreclosure or dispossessory filings. It appeared only later, when U.S. Bank created the XXXX XXXX XXXX XXXX  Special Warranty Deed, despite:\n\tno foreclosure having been conducted on Parcel XXXXn\tno Security Deed referencing XXXX XXXX,\n\tno legal description tying XXXX XXXX to the mortgage chain,\n\tand no court order authorizing reassignment of the foreclosure to Parcel XXXX\nThese actions demonstrate systemic misidentification, not clerical error.\n\n\nIII. Improper Dispossessory Action and Vacated Writ XXXX XXXX, U.S. Bank National Association applied for a Writ of Possession in XXXX XXXX Magistrate Court, Case No. XXXX relying on the Foreclosure Deed Under Power of Sale recorded XXXX XXXX XXXX and referencing Parcel ID XXXX  the parcel belonging to XXXX XXXX XXXX\nThe Writ also referenced the defective Security Deed recorded in Deed Book XXXX XXXX XXXX  and listed the property as XXXX XXXX XXXX XXXX XXXX XXXX XXXX despite the foreclosure deed describing a completely different tract in the XXXX XXXX XXXX XXXX\n\nOn XXXX XXXX XXXX the Magistrate Court vacated the Writ, confirming that the dispossessory action was improperly filed and based on misidentified property.\n\n\nIV. Improper Conveyance to XXXX XXXX XXXX XXXX  Without Lawful Possession\nU.S. Bank National Association conveyed property to XXXX XXXX XXXX XXXX using Parcel ID XXXX, even though:\n\tParcel XXXX was not the parcel foreclosed upon,\n\tParcel XXXX  was not referenced in the Security Deed,\n\tParcel XXXX was not referenced in the foreclosure deed,\n\tParcel XXXX was not referenced in the dispossessory filings,\n\tParcel XXXX was never part of the mortgage chain,\n\tand the Writ of Possession had been vacated.\nThe High Equity deed did not cross reference the foreclosure deed. Instead, it improperly referenced:\nXXXX XXXX name,\n\tthe XXXX XXXX XXXXXXXX XXXX XXXX XXXX\n\tand the corrective easement recorded in XXXX XXXX XXXX XXXX XXXX\n\n\nThese references belong to XXXX XXXX XXXX XXXX XXXX XXXX This demonstrates that U.S. Bank conveyed property it did not own, using a legal description belonging to a different parcel, thereby contaminating the chains of title for both XXXX XXXX XXXXn\n\nV. Plat Based Findings (Revised Pending ALTA Survey)\n\nUsing the XXXX XXXX XXXX XXXX XXXX XXXX Survey, and the recorded deeds for both XXXX XXXX XXXX XXXX XXXX we confirmed:\XXXX XXXX, and the foreclosure tract are three separate parcels.\n\tThey do not overlap and do not share boundaries.\n\tThey are located in different subdivisions.\n\tThey have different legal descriptions, different parcel IDs, and different chains of title.\nThese findings are based solely on recorded plats and deed descriptions. We are awaiting a formal XXXX Land Title Survey from Ironstone Surveying to independently confirm these findings.\n\nVI. Requested CFPB Action\n\nWe respectfully request that the CFPB:\n\n1. Investigate the servicers use of incorrect parcel IDs, incorrect legal descriptions, and incorrect subdivision references.\n2. Investigate the illegal foreclosure activity conducted against the property owned by XXXX XXXX XXXX XXXX XXXX XXXX.\nU.S. Bank National Association:\n\tIllegally foreclosed on XXXX XXXX XXXX property after divesting its interest through the XXXX Quit Claim Deed Release.\n\tHad her parcel coded in the XXXX XXXX Tax Assessors system as a Verified XXXX XXXX XXXX which is not applicable to her property and appears to have been used to suppress or misroute foreclosure notifications.\n\tNever notified XXXX XXXX XXXX  of any foreclosure proceedings, nor was she included in any public notice, advertisement, or mailed communication regarding the pending foreclosure.\n\tCaused XXXX XXXX to remove the foreclosure record from her parcel (XXXX) and reassign it to Parcel ID XXXX   without any court order, judicial authorization, or statutory basis.\n\tUsed Parcel ID XXXX (a parcel never foreclosed upon) as the basis for creating the Special Warranty Deed to XXXX XXXX XXXX XXXX despite the foreclosure being initiated using XXXX XXXX XXXX  parcel ID.\n\tCaused XXXX XXXX XXXX XXXX XXXX irreparable harm to their credit and limited their ability to conduct financial transactions as a result of a wrongful foreclosure\n\tCaused slander on the title of XXXX XXXX XXXX property\n\nThese actions demonstrate:\n\twrongful foreclosure,\n\tmisidentification of collateral,\n\tfailure to provide statutory notice,\n\timproper parcel reassignment,\n\tunauthorized alteration of county records,\n\tand transfer of property without lawful possession or standing.\n\n3. Require correction of county records and removal of clouded title conditions.\n\n4. Require the servicer to cease all foreclosure or dispossessory activity until the property identities are corrected.\n\n5. Require the servicer to provide a full accounting of how the parcel misidentification occurred.\n\n6. Require U.S. Bank National Association to Void the XXXX foreclosure and the XXXX Deed to XXXX XXXX XXXX XXXX. Closing\n\nWe appreciate the CFPBs attention to this matter. The errors described here have caused significant distress, legal exposure, and title confusion for both of us. We are submitting this jointly because the misidentification has impacted both properties and both chains of title.\n\nAdditionally, these errors have resulted in substantial financial burden, including but not limited to:\n\tAttorneys fees, including those incurred for the Quiet Title Action required to correct the clouded title conditions created by U.S. Bank National Association and XXXX XXXXn\tSurveying costs required to verify boundaries and correct the record\n\tIncreased property taxes for XXXX XXXX XXXX resulting from improper parcel coding and reassignment\n\tHas exposed XXXX XXXX to potential property loss due to overreach and land theft by U.S. Bank National Association and the liens taken out against the property by XXXX XXXX XXXX XXXX\n\tHas caused financial harm to both XXXX XXXX XXXX XXXX XXXX XXXXn\tHas placed XXXX XXXX XXXX in a position of double jeopardy as she still maintains a Mortgage with XXXX that is tied to XXXX XXXX XXXX\tEncroachment by XXXX XXXX XXXX XXXX  onto both XXXX XXXX XXXX XXXX XXXX, caused by U.S. Banks improper conveyance and the countys unauthorized parcel reassignment\n\nThese harms are ongoing and directly attributable to the servicers actions and the countys improper handling of parcel data.\n\nWe are available to provide any additional documents, plats, or historical deeds upon request.\n\nSincerely, \n\XXXX XXXX XXXX also known as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation