Consumer complaint received 2024-04-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
The property was signed over to me on XX/XX/XXXX. I am unaware of several equity lines of credit and mortgages on my land records. The current issue of the unlawful foreclosure relates to the alleged mortgage dated XX/XX/XXXX iao {$170000.00} in favor of XXXX XXXX XXXX. The action was initiated on XX/XX/XXXX by XXXX, XXXX XXXX XXXX. in the name of XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX. 
The complaint did not include a copy of the original promissory note but included the first page of an equity line for {$49000.00}. There was no evidence, affidavits or assignments attached to the complaint stating XXXX XXXX XXXX XXXX XXXX sold, transferred, delivered or negotiated the promissory note to XXXX XXXX XXXX XXXX XXXX before the merger of XXXX XXXX XXXX and its subsidiaries with XXXX XXXX XXXX XXXX, a XXXX XXXX XXXX subsidiary in XX/XX/XXXX proving it was the holder of the promissory note at the time of filing the case. Therefore the state court did NOT and still does NOT have jurisdiction of the subject matter or the parties. Yet, the property was illegally sold in XXXX with the assistance of the corruption of court officials and its judiciary by employing documentation fraud and perjury. 

On XX/XX/XXXX, XXXX XXXX XXXX XXXX, a company owned by the foreclosing law firm, XXXX XXXX XXXX XXXX, fabricated and recorded a fraudulent, forged Assignment of Mortgage ( XXXX XXXXXXXX ) backed-dated to XX/XX/XXXX, but effective XX/XX/XXXX, assigning the mortgage from XXXX XXXX  as nominee of XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. On page five of the document are the instructions to return the document to XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX 
XXXX XXXX XXXX XXXX was the sister company of XXXX, XXXX XXXX XXXX and both were found guilty of filing fraudulent foreclosures between the years XXXX and XXXX. These behaviors by these companies are the behaviors they were found guilty of in XXXX XXXX. XXXX XXXX XXXX. XXXX of American v Rosicki, Rosicki & Associates, Case No. : XXXX. XXXXXXXX XXXX XXXX ). It is reasonable to assume my XXXX foreclosure filed by XXXX fraudulently used evidence fabricated by XXXX XXXX XXXX XXXX and required investigation that the foreclosure judgment was obtained through fraud. 

During the foreclosure and before the XXXX default judgment was entered the following was happening with parties claiming ownership but never presented in the case. 

On XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX sent me a Notice of Assignment, Sale or XXXX XXXX XXXX of Mortgage XXXX to XXXX XXXX XXXX as owner and servicer. ) On XX/XX/XXXXXXXX XXXX XXXX XXXX  sent me a letter stating that they sold the servicing rights to my loan to XXXX XXXX XXXX XXXX XXXX. 

On XX/XX/XXXX, XXXX XXXX XXXX, XXXX sent me a letter stating that my mortgage loan was sold on XX/XX/XXXX, to XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

On XX/XX/XXXX, an assignment of mortgage dated XX/XX/XXXX, was recorded ( XXXX XXXXXXXX ) from XXXX XXXX XXXX XXXX by XXXX XXXX XXXX XXXX XXXX XXXX, a Division of XXXX XXXX XXXX XXXX XXXX XXXX, not in its individual capacity but as Trustee, a division of XXXX XXXX XXXX. 

On XX/XX/XXXX, an assignment of mortgage dated XX/XX/XXXX, was recorded ( XXXX XXXXXXXX ) from XXXX XXXX XXXXXXXX XXXX  by XXXX XXXX XXXX XXXX XXXX to XXXX XXXX, a Division of XXXX XXXX XXXX XXXX XXXX XXXX, not in its individual capacity but as Trustee, a division of XXXX XXXX XXXX. This is an assignment duplicating parties. 

On XX/XX/XXXX, the state court judge ordered the Plaintiff to bring the Original Promissory Note to the XX/XX/XXXX, hearing. Counsel for the Plaintiff appeared in court but did not have a note, original or otherwise and on XX/XX/XXXX, the court dismissed the foreclosure pre-note. It is obvious there are several entities claiming ownership of the mortgage ( ownership of the note is undetermined ) during the time XXXX XXXX XXXX XXXX XXXX was suing me for foreclosure. 

On XX/XX/XXXX, XXXX XXXX XXXX, XXXX sent me a Notice XXXX XXXX XXXX to XXXX XXXX XXXX XXXX. ( Exhibit L ) XXXX and XXXX XXXX are both servicers for Fannie Mae. There are two distinctly separate chains of lien ownership, and no one is presenting evidence of record they are holder of the promissory note. 

There were two consents to change attorneys during the course of the foreclosure case. On XX/XX/XXXX, the law firm XXXX filed a Motion to Restore the Case based on hearsay and with no factual evidence their client XXXX XXXX XXXX XXXX XXXX  was the holder of the promissory note. Nevertheless, the case was restored. 

On XX/XX/XXXX, XXXX XXXX sent me a Notice of Sale of Ownership of Mortgage Loan to XXXX XXXX XXXX as Legal Title Trustee for XXXX XXXX XXXX XXXX XXXX with XXXX XXXX as the servicer. 

On XX/XX/XXXX, an assignment of mortgage dated XX/XX/XXXX, was recorded ( XXXX XXXXXXXX ) from XXXX XXXX, a Division of XXXX XXXX XXXX XXXX XXXX XXXX, not in its individual capacity but as Trustee, a division of XXXX XXXX XXXX to XXXX XXXX XXXX as Legal Title Trustee for XXXX XXXX XXXX XXXX XXXX. 

On XX/XX/XXXX, XXXX XXXX XXXX, XXXX filed a Consent to Change Attorney to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is still the named XXXX. 

XXXX XXXX, XXXX was substituted in my foreclosure for the XXXX XXXX property in XXXX. Now, in XXXX, XXXX XXXX, XXXX is representing different plaintiffs in both my foreclosures. 

On XX/XX/XXXX, an Order Confirming Referee Report and Judgment of Foreclosure and Sale in the name of XXXX XXXX XXXX as Legal Title Trustee for XXXX XXXX XXXX XXXX XXXX. 

On XX/XX/XXXX I filed XXXX XXXX bankruptcy. 

On XX/XX/XXXX, XXXX XXXX of Gross Polowy filed her Notice of Appearance on behalf of XXXX XXXX XXXX XXXX ( XXXX ) regarding its interest my property. XXXX XXXX is now representing XXXXXXXX XXXX and XXXXXXXX XXXX XXXXXXXX XXXX , in this case for each of my properties. 

XXXX XXXX worked for XXXX, XXXX & XXXX before being employed by XXXX XXXX. 

On XX/XX/XXXX, XXXX XXXX of XXXX XXXX  filed an Objection to the Confirmation of the XXXX XXXX Plan on behalf of her client, XXXX XXXX XXXX XXXX, XXXX servicing agent for XXXXXXXX XXXX XXXX XXXX as Legal Title Trustee for XXXX XXXX XXXX XXXX XXXX ( secured creditor ) On XX/XX/XXXXXXXX XXXX XXXX  of XXXX XXXX filed Proof of Claim # 5 in the name of XXXXXXXX XXXX XXXX as Legal Title Trustee for XXXX XXXX XXXX XXXX XXXX with XXXX XXXX XXXX XXXX as the servicer . 

On XX/XX/XXXX, XXXX XXXX filed a Motion to Lift the Automatic Stay ( XXXX XXXX XXXXXXXX ) on behalf of XXXX XXXX XXXX XXXX  as Legal Title Trustee for XXXX XXXX XXXX XXXX XXXX. 

On XX/XX/XXXX, ( XXXX XXXX XXXX ) I filed my objection to the Motion to Lift the Automatic Stay. 

On XX/XX/XXXX, XXXX XXXX filed a Transfer of Claim other than for Security transferring servicing from XXXX XXXX  to XXXX XXXX XXXX XXXX XXXX Now XXXX is the servicer for different alleged creditors and XXXX XXXX is representing them all as they relate to both of my properties. 

The Transfer of Claim other than for security was never completed pursuant to F.R.B.P. 11 U.S.C. 1111 ( a ) and Notice pursuant to Rule 3001 ( e ) ( 2 ), Fed. XXXX XXXX XXXX There is no proof the Clerk of Court executed and mailed out the Notice of Transfer of Claim other than for Security providing parties an opportunity to object. 

Proof of Claim # 5 is fraudulent and any transfers complete or not are null and void. 

An illegal foreclosure sale was commenced on the Property and is currently being challenged. 

XXXX XXXX, XXXX. ( herein known as XXXX ) acted as referee for the illegal foreclosure sale. 

XXXX filled in and signed a Foreclosure Auction Surplus Monies Form. 

XXXX XXXX XXXX is the listed purchaser on the Foreclosure Action Monies Surplus Form. 

XXXX XXXX is an employee of XXXX XXXX XXXX, the foreclosing law firm. 

NO party has ever present the original wet-inked promissory note or any affidavit of authenticity along with evidence of transfer, sell, delivery or negotiation of said note or any endorsements form the original alleged lender prior to going out of business.

Company response to consumer: Closed with explanation