Consumer complaint received 2017-11-07
Company: NATIONSTAR MORTGAGE LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Nationstar Mortgage LLC ( Nationstar ), the alleged servicer on our mortgage account, is illegally pursuing foreclosure against me on XX/XX/XXXX. In addition to committing various state and federal crimes with reference to my home, Nationstar has also violated the basic foreclosure procedure for non-judicial state. I have repeatedly disputed the loan documents, including the promissory note and loan application on which they forged my signature. The allege that my refinance loan me and my husband though we took in XX/XX/XXXXwith XXXX XXXX  XXXX XXXX XXXX " XXXX '' ) is currently owned by a XXXX XXXX XXXX XXXX ( " XXXX XXXX '' ) as trustee for XXXX XXXX XXXX. In addition to the fraudulent forged documents that discredit their claim, XXXXXXXX XXXX wrote me denying ownership of the loan and denying any affiliation with Nationstar. Since we closed on our loan on XXXX, we consistently paid our mortgage until my husband lost his job midXX/XX/XXXX We were told that we needed to stop making payments for 90 days in order to qualify for loan modification. We repeatedly attempted to make payments after realizing they had trapped us into being late but the then alleged servicer, XXXX XXXX XXXX ( XXXX ) send back the entire {$16000.00} payment we made. Since then they have attempted two previous times to foreclose on us. First attempt on XX/XX/XXXX was stopped when a lawyer we contacted informed them that the foreclosure was illegal due to no endorsements on the note proving that XXXX XXXX was the owner of the loan. The loan was then transferred to XXXX XXXX XXXX ( " XXXX '' ) and then to current alleged servicer, Nationstar. It was during this time that another fraudulently forged copy of the note was given to us as proof of ownership by XXXX XXXX. Over the years we have written numerous qualified written requests giving details of the forgeries and fraud, which included misappropriation of our first mortgage payment and overstatement of our mortgage balance. Nationstar insists of having their attorney, XXXX XXXX XXXX, illegally move forward with foreclosure proceedings despite the fact that we have submitted two TILA rescissions in defense of foreclosure. Recently, Nationstar lawyer, XXXX, again forged my signature on the note. We knew this because while reviewing the alleged original note, the signature, that is allegedly mine, began to smudge. They provided us no response when we questioned why a signature that was written with a ballpoint pen would smudge/smear after almost 12 years. We therefore filed a forgery complaint ( XXXX ) against Nationstar/XXXX  with XXXX XXXX Police Department ( XXXXPD ) and even though XXXXPD has contacted XXXX/Nationstar and the case is under investigation, Nationstar has disregarded the criminal complaint against it and is moving forward with the illegal foreclosure onXX/XX/XXXX. All evidence we have shows that we do not owe XXXXXXXX XXXX, Nationstar of any entity they may represent. The evidence also shows that we were never really in default ( though forced by then servicer ) because the loan documents were forged since alleged inception of the loan. We recently wrote a cease and desist letter requesting accounting documents to validate their claim of debt and ownership but we got no response. Nationstar and XXXX has breached and violated numerous state and federal laws relative to this matter and the illegal foreclosures. They should not be allowed to foreclose on our home using fraudulent documents ( two different notes - one which contains forged borrower signature and forged endorsements, fake/forged loan application and fraudulent deed of trust/assignment of deed of trust ). We need help immediately to stop the foreclosure. We are not trying to get a free house but neither should Nationstar under the disguise of representing XXXX XXXX. This would not be a free home for us because in 7 years we invested more than {$260000.00} in mortgage payments on our home ( down payment of {$42000.00} ). This is also not a free home because both my husbands and me excellent credit has been destroyed by the Nationstars illegal collection activity on a loan they do not own and is not owned by XXXX XXXX. This is also not a free home because since they destroyed my credit, I was could not find a job for more than four years due to bad credit. I also currently risk losing my job as a cyber security analyst because I was forced to file bankruptcy due to their fraudulent claims of ownership of my home. Like thousands of others preyed upon by these thieving entities, we simply want CFPB to investigate this matter to determine the true lender of the alleged loan taken on our home, if any. Please help us now so that our children do not lose the only home they know. Thanks!

Company response to consumer: Closed with explanation