Consumer complaint received 2015-08-09
Company: NATIONSTAR MORTGAGE LLC
State: WA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I sent and served a RESPA Qualified Written Request ( " QWR '' ) /Debt Dispute Letter and a Cease & Desist Notice dated XXXX/XXXX/2015 to Nationstar Mortgage , LLC ( " Nationstar '' ), as purported loan servicer, and XXXX XXXX XXXX XXXX ( " XXXX XXXX '' ), as Trustee for XXXX XXXX XXXX XXXX , Mortgage Pass-Through Certificates, XXXX XXXX ( hereinafter, the XXXX XXXX ) - a special purpose vehicle ( " SVP '' ) organized as a qualified special purpose entity ( " QSPE '' ) and formed as mortgage-backed securities trust ( " MBS trust '' ). This MBS trust, which was created under an operative securitization agreement called the Pooling and Servicing Agreement ( " PSA '' dated XXXX/XXXX/2015 ) in accordance with and governed by the trust laws of the State of XXXX, has an election and continuing qualification as a real estate mortgage investment conduit ( XXXX ) pursuant to the U.S. Internal Revenue Code ( IRS ) section 860. 

I copied the Consumer Financial Protection Bureau ( CFPB ) with said QWR/Debt Dispute letter, which was duly received by Nationstar on XXXX/XXXX/2015 ( referenced USPS Form XXXX No. XXXX XXXX XXXX XXXX XXXX ) and XXXX on XXXX/XXXX/2015 ( referenced USPS Form XXXX XXXX. XXXX XXXX XXXX XXXX XXXX ). See attached QWR/Debt Dispute letter and Cease & Desist Notice dated XXXX/XXXX/2015, which provides in details and facts, with full specificity, why I dispute the debt and demand that Nationstar and XXXX to cease and desist its judicial foreclosure action against my subject home mortgage loan ( filed with the Superior Court of the State of XXXX, XXXX County under Case No. XXXX ). 

XXXX sent its response dated XXXX/XXXX/2015 ( also attached herewith ) which essentially just brushed aside my complaint and " passed the buck '' to Nationstar without addressing my demand for the validation of the loan that XXXX, as Trustee for the XXXX XXXX, claims it owns. XXXX just stated in its response that, " XXXX disagrees with your legal assertions and will not be producing the requested documents. " To date ( XXXX/XXXX/2015 ), in violation of the Real Estate Settlement Procedures Act ( RESPA ), codified as Section 2605 ( e ) of Title 12 of the United States Code, specifically under Section 1024.36 ( c ) of Regulation X of the Mortgage Servicing Act as amended by the CFPB pursuant to the Dodd-Frank Act, Nationstar failed to provide me within 5 business days with a response acknowledging receipt of my QWR/Debt Dispute letter. Also, pursuant to 1024.36 ( d ) ( ii ) ( 2 ) ( A ), Nationstar failed to provide me within 10 business days after receipt of said request and demand for information the identity of, and address or other relevant contact information for the true owner of my home mortgage loan. Finally, pursuant to 1024.36 ( d ) ( ii ) ( 2 ) ( B ), Nationstar did not also respond and provide all of the other information requested and on or before 30 business days. There was no letter whatsoever from Nationstar requesting for any extension of said deadlines. Nationstar just completely ignored my QWR/Debt Dispute letter.

Company response to consumer: Closed with explanation