Consumer complaint received 2016-07-16
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
***THESE ARE NEW CRIMES FOR THE WEEK OF XX/XX/XXXX - XX/XX/XXXX ... THEY CAN NOT BE EXPLAINED BY ANY PREVIOUS ANSWER OR CFPB FILING*** PLEASE BE ADVISED THAT NATIONSTAR AND XXXX HAVE XXXX FACES ... THE ONE THEY FAKE FOR THE CFPB AND FHA ... AND THE OTHER ONE, WHICH IS NON COMPLIANT, UNHELPFUL, A CRIMINAL FRAUD, AND AN ILLEGAL, MONOPOLISTIC SCAM THAT HAS NO BUSINESS TOUCHING ANY FHA ASSET OR CONSUMER EVER AGAIN Criminal/compliance offense # 1 ~ ***WE HAVE DOCUMENTED NUMEROUS ATTEMPTS TO ILLEGALLY DEFRAUD THE CONSUMER AND THE U.S. FEDERAL GOVERNMENT*** These include failure to mail monthly statements for nearly a year now, numerous illegal fees without explanation, and illegal collection letters that no one can source and find in the file on their end. 
Criminal/compliance offense # 2 ~ **WE HAVE DOCUMENTED AN ILLEGAL ATTEMPT TO STEAL THE HOME AS A VINDICTIVE RESPONSE TO OUR MOST RECENT CFPB FILING*** We have 2 letters dated XXXX XXXX from the same office. One is acknowledging our CFPB complaint was received and the other is an illegal collection letter extorting and demanding {$4500.00} in a one time payment in certified funds or they take the home. 
Criminal/compliance offense # 3 ~ ***NATIONSTAR AND XXXX XXXX ARE CHARGING A 3,600 % INTEREST RATE ON LATE FEES INSTEAD OF THE {$25.00} IT 'S SUPPOSED TO BE ON OUR PAYMENT. IT IS A SCAM THAT IS ILLEGALLY FORCING PREPAYMENTS ON OUR LOAN THAT THEY POCKET WHILE SIMULTANEOUSLY STEALING PRINCIPAL PAYMENTS WITHOUT LEGAL CREDIT*** This is a XXXX offense legal and compliance violation. 
Criminal/compliance offense # 4 ~ ***NATIONSTAR IS ADDING LATE FEES BEFORE THE PAYMENTS ARE LATE ... THEY ARE NOT ONLY 3,600 %, THEY ARE ADDED ON THE XXXX DAY OF THE MONTH*** Criminal/compliance offense # 5 ~ ***NATIONSTAR IS GUILTY OF NOT MAILING A MONTHLY STATEMENT OF ANY KIND IN 2016, DESPITE OVER XXXX REQUESTS FOR THE STATEMENTS TO BE MAILED AS REQUIRED BY LAW*** Criminal/compliance offense # 6 ~ ***WHEN ASKED ABOUT THE MONTHLY STATEMENTS XXXX OF THE " LOAN SPECIALISTS '' WE TALKED WITH AND ONE SUPERVISOR TOLD ME, AND I QUOTE, " WE DO N'T HAVE TO MAIL A MONTHLY STATEMENT OR BREAKDOWN THE FEES YOU OWE*** Criminal/compliance offense # XXXX ~ ***WHEN I CALLED TO ASK ABOUT THE XXXX PAYMENT FOR 2016 ( BECAUSE THEY REFUSE TO MAIL STATEMENTS ), A {$400.00} LATE FEE WAS ADDED TO THE PAYMENT BY THE XXXX DAY OF THE MONTH EVEN THOUGH I CONFIRMED THE LATE FEE IS {$25.00} AFTER THE XXXX Criminal/compliance offense # 8 ***NATIONSTAR IS GUILTY OF EXTORTION. THEY WO N'T EXPLAIN WHERE THE {$400.00} CAME FROM, OUR PAYMENT IS {$990.00} A MONTH, BUT THEY WANT {$1400.00} AGAIN*** Criminal/compliance offense # 9 ***THIS IS THE 5TH TIME WE HAVE HAD A {$1400.00} PAYMENT ON A LOAN THAT WAS ILLEGALLY DISCLOSED AS {$840.00} WITH LOAN ORIGINATION FRAUD*** Criminal/compliance offense # 10 ~ ***NATIONSTAR AND XXXX ARE BOTH GUILTY OF INTENTIONALLY MISLEADING A GOVERNMENT INVESTIGATION OVER AND OVER AGAIN. WE HAVE PEOPLE WHO WERE NOT THERE, AND NEVER KNEW THE GUILTY PARTIES, STATING ON PUBLIC RECORD THAT THESE PEOPLE THEY NEVER MET WERE OF IMPECCABLE CHARACTER AND THEY ARE ABSOLUTELY 100 % POSITIVE NO ONE EVER HAD A BAD INTENTION IN THE MORTGAGE INDUSTRY. WORDS CAN NOT DESCRIBE HOW LAUGHABLE THAT CLAIM IS*** Criminal/compliance offense # 11 ***NATIONSTAR AND THE PREVIOUS SERVICERS HAVE ALL FAILED TO FOLLOW THE 45 DAY RULE ON MAKING US AWARE OF LOAN ORIGINATION FRAUD, FORCED INSURANCE, ESCROW THEFT AS JUST A FEW EXAMPLES*** Criminal/compliance offense # 12 *** ENABLING/DIRECTING A CRIMINAL, CRIMINAL AND CIVIL RACKETEERING ~ IF XXXX XXXX OF NATIONSTAR AND XXXX XXXX OF XXXX XXXX BOTH HAVE THE FIRSTHAND KNOWLEDGE OF ALL OF THE ILLEGAL ACTS AS THEY HAPPENED AND THEY WERE THERE, THAT MEANS THEY NOT ONLY HAD FIRSTHHAND KNOWLEDGE OF THE CRIMES, THAT ALSO MEANS THEY DIRECTED AND MATERIALLY PARTICIPATED IN THE ILLEGAL ACTS IN ADDITION TO THE ENSUING COVER-UP.

Company response to consumer: Closed with explanation