Consumer complaint received 2019-08-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
The Consumer Financial Protection Bureau (“CFPB”) has noted, in its Official Interpretations of this provision, that a QWR “is not required to include both types of requests. For example, a qualified written request may request information relating to the servicing of a mortgage loan but not assert that an error relating to the servicing of a loan has occurred.” See 12 C.F.R. Part 1024, Supp. I, § 1024.31.Even if the note had been originally valid, you can void it by altering it. If you and the debtor renegotiate the terms and sign off on the changes, that's fine; if you make a change without the debtor's approval, it's not going to fly. If you bought the note from someone else and it was altered or void before you took ownership – too bad. The fact that you purchased the note in good faith won't make it valid.“MR. COOPER”  XXXX XXXX XXXX, TX XXXX Dear Mr. Cooper, Regarding the letter I sent you datedXX/XX/2019 via Certified U.S. Mail # XXXXXXXX, the letter titled “QUALIFIED WRITTEN REQUEST, COMPLAINT, DISPUTE OF DEBT AND VALIDATION OF DEBT LETTER, TILA REQUEST”. The letter was received and signed for by your representative on XX/XX/2019. (See U.S. Postal Receipt below)On XX/XX/2019 your company received a 14-page Official letter from Property OwnerXX/XX/XXXX. In part that letter read, “I hereby demand absolute 1st hand evidence from you of the original uncertificated or certificated security regarding account #XXXXXXXX.”Do you now claim, that your company (doing business as Mr. Cooper), has answered all the requested documents demanded in the letter that you acknowledge receiving on XX/XX/2019, and that you completely and honestly responded in full, and you declare under penalty of perjury that you answers all my questions truthfully and you have supporting documentation for your claims? Please answer Yes or No, did you respond to this QWR? If not, Why?On the Color Copy of what you claim is the Original Promissory Note, there is a yellow area right of the alleged Bank Stamp which is unexplained and appears to be a Post note or similar item? Please explain what that is in detail?Please explain why the Promissory Note signature page on the item you claim is the Original is missing a big X from the original copy I have from the original signing and now there is a alleged stamp signed by an alleged person who is alleged to be affiliated with a bank company? I am demanding, and expecting, that your company does not report any negative comments or missed payments to any Credit Reporting Companies as you have Failed to prove the Authenticity of your Security.Please provide me with the documents I have requested and a detailed answer to each of my questions within the lawful time frame. Upon receipt of the documents and answers, an exam and audit will be conducted that may lead to a further document request and answers to questions under an additional RESPA Qualified Written Request letter.Sincerely,XX/XX/XXXX

Company response to consumer: Closed with explanation