Consumer complaint received 2017-07-15
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Nationstar LN XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX An attempt was made to allow our client, XXXX XXXX, to complete a short sale. XXXX XXXX has attempted for YEARS to get a loan modification on his like illegally produced pay option arm loan ( please see attached brief dating back to XXXX illustrating the illegal nature of these types of predatory loans and their illegal use and lack of legal disclosure under State of California and Federal law ). It appears that for years Nationstar has required that XXXX XXXX resubmit documents over and over again only to lose them multiple times, and on at least 5 occasions demanding that he start over from scratch. It was also interesting to find out that the person whom XXXX XXXX was assigned to had only rarely returned his phone calls ( at the beginning of the loan mod process ) and then stopped speaking with him all together. Nationstars blatant disregard for FDCPA guidelines even drove XXXX XXXX to hire attorneys to help secure a loan modification with no avail. Recently, XXXX XXXX attempts to save his home were greeted with a denial and immediate Notice of Trustee action. I find this odd as Nationstar is still in the process of sorting out the illegal nature of XXXX XXXX loan with legal counsel. ( See attached document - XXXX XXXX loan has been declared ILLEGAL under California State Law. ) We further find it odd that Nationstar has refused to comply State and Federal law by refusing to speak with XXXX XXXX about other forms of loss mitigation if a loan modification would not work.
Now, I know how Nationstar will portray this complaint. They will claim that everything we bring up is a lie but will offer no proof. They never do and I find it odd that they claim that the tens of thousands of CFPB complaints are all lies and that they are blameless for countless examples of loan and servicing fraud and malfeasance contained in not only the CFPBs files but the > 50,000 hits on XXXX when the term Nationstar Fraud is typed in ( apparently a vast conspiracy against Nationstar is taking place ).
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What we would like to see happen : 1 ) Allow XXXX XXXX to at least do a short sale if you are now, after several years, declining him for a loan modification -- - the illegal nature of his loan should at least afford him that.
2 ) Postpone the current foreclosure auction set forXX/XX/XXXX 3 ) Start complying with federal guidelines for loan modification processing -- - we continually hear the same complaints over and over again about lost paper work, phone calls not returned, incomplete work, etc. etc.
4 ) Start complying with State and Federal laws. If the homeowner cant qualify for a loan modification, give them alternatives that are actually realistic ( NOT DEED IN LIEUs as we both know you DO NOT DO them in California. Especially when there are second trust deeds involved ).
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I know that this will likely fall on deaf ears as Nationstars goal has never been to actually service their clients loans in a legal are ethical nature ( Nationstar is the only lender that we currently deal with that our clients that are current on their mortgages actually refinance for the sole purpose of getting away from your Company and their ill-mannered and questionable demeanor and servicing tactics ). I realize that by changing your name to XXXX XXXX that you believe that the internet and the general public will not remember the ills of your past, I am here to tell you that until you figure out how to actually service mortgages in a legal manner this will never happen.
I look forward to your response.

Company response to consumer: Closed with explanation