Consumer complaint received 2016-03-04
Company: NATIONSTAR MORTGAGE LLC
State: NV
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Wrongful Foreclosure was initiated by Nation Star Mortgage and XXXX XXXX XXXX XXXX XXXX by recording a Notice of Default To Sell under Deed of Trust. The Lender, Trustee failed to follow State of Nevada statutory requirements or procedures in good faith. The Lender, Trustee did not notify or send any foreclosure documents of Notice of Default nor a foreclosure Mediation enrollment form by regular mail, registered mail or certified mail to the property owner, borrowers address, after the recording and mailing described above per Nevada legislative all homeowners in default " SHALL '' be notified and become eligible for the Mediation program with proper notice. Lender, Trustee is using their shady deceptive aggressive debt collection tactics of non-compliance with notifications to illegally foreclose. Section XXXX thru XXXX of the Nevada Revised Statues specifies procedures that must be followed for non-judicial foreclosures. A Lender, Trustee sale may be set aside for lack of substantial compliance with any of the requirements of XXXX Nev. Re. Stat. XXXX ( XXXX ) ( a ) ( b ) ( c ), damages may be awarded if the foreclosing party has failed to comply with specified waiting periods or with notice and recording requirements specified in XXXX, were improper. Borrower has had previous mediation 's over the years and was issued from the State of Nevada Supreme Court Foreclosure Mediation Program a Certificate of No Foreclosure, Will Be Issued for the property, every time we went to mediation. Lender, Trustee never recorded a Rescission of Declaration of Default and demand for sale notice. Lender, Trustee is constantly and consistently recording Notice of Default to Sell Under Deed of Trust and Affidavit of Authority to exercise the power of sale is erroneous, false, fictitious, and fraudulent documents. There is suspected Robo-Signed assignments and documents via XXXX, XXXX, XXXX , XXXX, etc.. Who have literally destroyed the entire financial banking industry with their bogus fraudulent assignments. Thus recording requirements were not met. We have spoken with and have email correspondence with XXXX, who has stated they do not own the loan and have no say in any disposition of the loan or modifications. Loan Modifications were denied ( 6 ) times over the years. The Lender, Trustee, beneficiary have no standing, nor is the correct party in interest to seek or bring a foreclosure action. The reason they have lost at mediations. They have no authority to enforce any loan if any exist, due to Breach of Contract. This foreclosure is initiated after the Statue of Limitations has expired seven years in Nevada XXXX XXXX.The Lender, Trustee claim is invalid and not entitled to foreclose. They have clouded the owners, grantors Chain of Title by repeatedly recording a wrongful Notice of Default and Election to Sell Under the Deed of Trust. Requesting SANCTIONS against Nation Star Mortgage and XXXX XXXX XXXX XXXX XXXX. XXXX XXXX ( XXXX ) ( XXXX ), for unfair lending practices.

Company response to consumer: Closed with explanation