Consumer complaint received 2016-01-08
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
***Nationstar is now guilty of additional fraud and intentionally misleading a government official by filing false information in a Government report. *** FIRST LIE ~ " Please note that we are unable to attest to any actions of the prior servicer. '' ~ They have a full accounting of every action that happened, every date, signature and payment. They are FULLY aware the first loan was generated with dishonesty and a fraudulent HUD/Truth in Lending Statement because they told us. 
SECOND LIE XXXX " Overall, no errors were identified during the course of our investigation. '' This is a flat out lie. They KNOW we have a false HUD. They KNOW this loan was obtained using fraud and they also know it is not valid and needs to be written off. This is simply a desperate attempt to escape the inevitable. 
THIRD LIE ~ " Escrow shortage '' ~ Every payment has been made and most of them were substantially higher than we were told in the loan disclosure process. This has been a criminal scam from day XXXX. I am amazed at the lying, fraud and intentional cover-up I am witnessing now. 
FOURTH LIE XXXX " They provided evidence of a crime and presented it as evidence of innocence. ... See XXXX prior service EA '' The attached form clearly shows a monthly payment of XXXX {$500.00} less then the XXXX XXXX payment of {$1300.00}. It is amazing that they have the ability to lie while presenting proof of guilt. That shows how far out of control this company is. No fear of anyone, especially the CFPB. 
FIFTH LIE ~ " Please reference the enclosed Escrow Analysis dated XXXX XXXX, XXXX, which reflected an Escrow Shortage in the amount of XXXX " Every payment was made on this loan yet, somehow, we were over 1 year behind in escrow? They know why and this is more evidence of the crime. 
SIXTH LIE XXXX " Our records indicate that you also spoke with a representative on XXXX XXXX, XXXX, who confirmed the aforementioned to you. '' ~ Their customer service is intentionally unhelpful and they were dishonest and breaking several laws when I spoke with them. Once they identified the fraud and the crime it was their LEGAL OBLIGATION to correct it by writing it off and apologizing. Since that date all we have seen is crime and cover-up and, obviously, lies, lies, and more lies. They have harassed me, abused me, and sent people by to embarrass me by hanging notices on my door, with no legal right to collect. 
Summary ~ IT IS 100 % ILLEGAL to profit from a criminal act. These companies have broken so many laws it 's tough to keep track of all of them. 
ADDITIONAL FACTS ~ IT APPEARS TO BE A CRIMINAL ENTERPRISE I believe all of these other fraudulent activities are part of their long term business plans. They are too consistent and too well organized to be accidents. Huge escrow errors send the consumers scrambling and make them unable to pay the payment. Next, the servicer fails to help intentionally. These organizations are full of people with XXXX Degrees. We have to believe that A ) None of them can do any math, even the most basic or B ) It 's intelligent people perpetuating a criminal fraud on helpless, unsuspecting consumers. IF they are simply inept, excuse " XXXX '' does not exempt them from legal compliance nor does it protect them from prosecution and fines.

Company response to consumer: Closed