Consumer complaint received 2017-02-21
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Nationstar has illegally attempted to collect on a time barred debt. This has included multiple illegal actions in an attempt to enforce a time barred debt and the lien is expired by Operation of Law however Nationstar refuses to follow any and all applicable laws. The original " Note '' was a promissory note that originated with XXXX in XXXX XXXX '. The Note was called XXXX by XXXX in XXXX ' causing the maturity date to be shortened to XXXX XXXX XXXX '. XXXX XXXX together with XXXX XXXX ; the promissory note expired under XXXX & XXXX - ( Four Years Promissory Note Time Barred ) then after 8 years Nationstar instructed a 3rd party firm named, XXXX XXXX XXXX publish this debt as owed and has caused multiple defamatory publishings that are 'untrue '' and unlawful. This was caused by an untimely Notice of Default claiming that a " DEBT '' was owed. This was not true as this was time barred and the lien was also and is still also time barred and unenforceable. Under Ca marketable records laws ; See attached documents : from CA Legislative web site : pertaining to being time barred unenforceable lien due to the underlying debt is time barred. This is clearly written - XXXX : Expiration of the lien of a mortgage, deed of trust, or other security interest pursuant to this chapter or any other statute renders the lien unenforceable by any means commenced or asserted thereafter and is equivalent for all purposes to a certificate of satisfaction, reconveyance, release, or other discharge of the security interest, and execution and recording of a certificate of satisfaction, reconveyance, or release other discharge is not necessary to terminate evidence the termination of the security interest. Nothing in this section precludes execution and recording any time of a certificate of satisfaction, reconvenyance, release or other discharge. Thereby -- NATIONSTAR HAS FAILED TO RELEASE PER THE APPLICABLE LAWS. AND INSTEAD HAS RAMPED UP COLLECTION ACTS THAT ARE ILLEGAL. These have included criminal trespassing into property and causing a malicious damage with intent to discourage and harass the homeowner, cause fear and intimidation and has not ceased. This has caused over XXXX hospitalizations for " acute '' care to family member undergoing severe stress and multiple police reports for illegal acts in collecting this time barred debt. The actions have been non stop abuses and caused a later forcing into a bankruptcy in XXXX XXXX ' AFTER BEING TIME BARRED however Nationstar refuses to follow any laws and has caused horrendously abusive illegal acts including verbal threats and physical threats and continues to invade on homeowner and intrude and threats to intrude into her home " whenever '' deem I am not " in '' the home and have sent men to peak into my windows with telephoto lens and continue to harass and cause XXXX more hospitalizations just knowing they continue to send letters claiming they have rights to break into my home.

Company response to consumer: Closed with explanation