Consumer complaint received 2015-07-27
Company: NATIONSTAR MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
XXXX This is not a Duplicate XXXX has repetitively ignored fraud activities and now has forged documents to hide some of the fraud activates on my accounts. 

On XXXX NationStar provided me a document for the loan modification my tenant made without my awareness or consent. This was before I brought it to their attention that this activity was Fraud. I aware that there was another loan modification made sometime in XX/XX/XXXX by my tenant, but NationStar rather not provide me with any further proof of fraud activities. On XX/XX/XXXX, NationStar responded to my escalation of fraud activities, again ignored the fraud activities, but provided an EDITED VERSION of the loan modification document. This time, they removed page XXXX which was the fax cover page showing that it was faxed by my tenant from her place of work. The original was a .TIF of XXXX pages and the NationStar filtered version is a .PDF of XXXX pages. NationStar has always suppressed the providing of certain documents which would further proof fraud, and now they are forging documents. There was a falsified letter written by my Tenant requesting authorization over my accounts pretending to be me. I have requested page XXXX which is the fax cover page, but NationStar repetitively refused to provide me with that piece of evidence as well as the document for the loan modification on XX/XX/XXXX as well as phone calls recordings which would show the XX/XX/XXXX phone call of my tenant calling NationStar and removing bank account information from my loan after I had wrote a letter to NationStar revoking access to my tenant and changed online access. 
I have requested XXXX things from NationStar, 1 ) to secure my account and prevent further fraud on my account 2 ) to correct the harm caused out of fraud activities. 

Up until today, NationStar has not complied with either request. I have asked for a password to be placed on my account on XX/XX/XXXX, up until today, that password is not enforced. I have recording of me calling NationStar and not being prompted for the password. This means that anyone with my information can call and STILL ACCESS my account. 
NationStar claims I granted authorization over my accounts to my tenant. I HAVE NOT GRANTED AUTHORIZATION TO MY TENANT. If there is such falsify phone call evidence, they are made out of fraud activities. There was a falsify letter written on XX/XX/XXXX written by my tenant, and the allege phone call was probably done by herself as well. NationStar records all phone calls, Can NationStar provide me with the recording so that I can identity who was pretending to be me. 

I 've been a victim of Identity Theft. Someone forging my signature, and acting as if it was me during any transaction is Identity Theft and is considered fraud. 

I have provided an Identity Theft affidavit as well as a police report which has full details of the fraud activities caused on my NationStar 's accounts. It is by law that NationStar has a certain amount of days to remove the fraud activities from my credit report. 

There are a few questions I have:1 ) I wrote a revoke access letter on XX/XX/XXXX and confirmed it was received. Why was my tenant allowed to remove banking information from my mortgage account around XX/XX/XXXX? 
2 ) On XX/XX/XXXX, XXXX XXXX wrote a falsified letter. The phone number on the letter is her cell phone number. Why NationStar refused to provide me with XXXX XXXX of the cover sheet fax? 
3 ) Why did NationStar edite a .TIF document into a .PDF and removed page XXXX which was the fax cover sheet showing XXXX XXXX 's name? 
4 ) I 'm assuming there are other fraud activities due to NationStar lack of security. Why is NationStar playing ignorant at taking actions to correct the harm causedThere have been multiple times which I have escalated the fraud activities to NationStar and provided an affidavit Identity Theft report as well as a police report.

Company response to consumer: Closed with explanation