Consumer complaint received 2016-05-12
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
CONSUMER FRAUD XXXX Nationstar is billing for a service it does n't provide and it is guilty of misleading government investigators while attempting to cover-up numerous XXXX by their counterparts in the racketeering scam. I was the victim of loan origination fraud and Nationstar knows the Truth in Lending Act was violated. They do not answer consumer questions so I will present them below, on public record. 
EMBEZZLEMENT XXXX Our Escrow funds were stolen and misused. A proven fact covered up by Nationstar. 
EXTORTION ~ While pretending to help, they rack up the payments and blindside the consumer, even when they XXXX a loan that contains crime like the XXXX on XXXX XXXX XXXX, XXXX, FL RACKETEERING ~ Without the teamwork between LoanCare, XXXX Mortgage and Nationstar, consumer rights and laws would be followed. Their entire business model starts and ends with crime. 
CRIMINAL INTENT TO DEFRAUD A XXXX GOVERNMENT FINANCIAL INSTITUTION, A CRIME PUNISHABLE BY PRISON AND FINES AND EASILY PROVEN HERE. ~ CRIMINAL INTENT TO DEFRUAD THE FHA AT THE HIGHEST LEVELS OF ALL XXXX CORPORATIONS ... UP TO AND INCLUSING THE CEO 'S XXXX XXXX INTENT ... OR NOT??? 
Your Honor, There are XXXX possible scenarios here and the BIG question is criminal intent to defraud the XXXX Government ... or no criminal intent? 
Scenario # 1 ... no criminal intent You have an isolated incident where XXXX elderly couple was accidently misled on loan disclosure and any errors were corrected immediately. An honest company would write off the loan since loan disclosure and escrow fraud are XXXX highly illegal and it would investigate itself internally to insure this dangerous legal scenario involving numerous acts of fraud at numerous levels never happens again. That would be no criminal intent whatsoever. 
Unfortunately, your honor, everyone chose scenario # 2 ... individual and systematic criminal intent to defraud the XXXX taxpayer and consumers. We have documented systematic corruption at all levels. We have customer service people that intentionally lie and mislead the customers. We have intentional stalling, games from their legal department, and months of unreturned phone calls on imaginary escalations of complaints In this particular case we have people issuing a 30 year FHA loan to my husband XXXX XXXX XXXX husband with a XXXX ... who died within XXXX months. Next they committed escrow fraud repeatedly on this grieving, XXXX XXXX XXXX widow in an attempt to steal my home at the absolute lowest point in her life. Broke and alone ... they attacked. 
They have shown ; NO REGARD for the Truth In Lending Act in any form, No regard for documentation regulations on what she needed to receive from a mortgage company, No regard for proper escrow management and no penalties on themselves when they made errors ... BUT .. thousands and thousands of dollars in penalties were billed to this elderly widow and mystery fees were added over and over again with no written or verbal explanation. I am NEVER told why my payment went up, ever. And when the initial payment spike of several hundred dollars a month did n't XXXX me out of the home they wanted so badly? This criminal racketeering group paid someone else 's property taxes with my money to create an artificial escrow shortage, and billed me for it. My HOUSE PAYMENT NEARLY DOUBLED TO $ XXXX/MONTH ... TWICE ... most recently on XXXX 2016! I had a complete and total nervous breakdown and was bedridden with tears over the stress intentionally created by this predatory lending group. It has taken a serious toll on my physical health as I approach XXXX XXXX XXXX. 
I have many questions about my account, the wrongdoing and cover up, and this is their only answer now. ~ & gt ; " No further responses will be provided. XXXX XXXX Customer Relations Manager Nationstar Mortgage ''. 
Yes, customer service has decided to never answer another question.

Company response to consumer: Closed with explanation