Consumer complaint received 2016-11-28
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
*** PLEASE FORCE NATIONSTAR TO ANSWER THE QUESTIONS SO YOU CAN CONVICT THEM ... THEY ARE ILLEGALLY OPERATING ON EVERY LEVEL AND TOTALLY IGNORING THESE COMPLAINTS WHILE DECEIVING THE CFPB INTENTIONALLY***Nationstar has already confirmed loan origination fraud, embezzlement, loan service fraud, illegal collection of pre-payments, illegal fees, illegal foreclosure using deception, misrepresentation on the phone, failure to mail monthly statements, mailing false monthly statements, and lying about not owning this loan while providing a false owner and false account number ... .Nationstar stated on the phone Fridaythat they do not consider breaking the law a problem in any form ... and they went on to saythese acts ... although violations of state and federal law ... are not even thought of aserrors or wrongdoing. 

I HAVE SOME LOAN QUESTIONSFOR THEIR CEO~ XXXX ... WHO INHERITED THIS PROBLEM ... 

# 1 ) WHEN DID LOAN FRAUD BECOME LEGAL? 
# 2 ) WHEN DID IT BECOME LEGAL TO MISREPRESENT ACTUAL ESCROW CHARGES IN ORDER TO DECEIVE SENIOR CITIZENS INTO SIGNING A REFINANCE ON THEIR HOME? 
# 3 ) WHEN DID IT BECOME LEGAL TO ADD YEARS ONTO THEIR MORTGAGE AND HUNDREDS OF DOLLARS TO THEIR MONTHLY PAYMENT ... AGAIN USING FRAUD AND MIREPRESENTATION OF FACTS TO HIDE IT? 
# 4 ) WHEN DID EMBEZZLEMENT BECOME LEGAL? 
# 5 ) WHEN DID IT BECOME LEGAL TO TAKE MONEY OUT OF AN ESCROW ACCOUNT WITHOUT AUTHORIZATION AND WITHOUT NOTIFICATION? 
# 6 ) WHEN DID IT BECOME LEGAL TO STOP MAILING MONTHLY STATEMENTS AS REQUIRED BY LAW? 
# 7 ) WHEN DID IT BECOME LEGAL TO MAIL FALSE MONTHLY STATEMENTS AND REQUESTS FOR 5 MONTHS OF PAYMENTS FOR 60 DAYS OF OCCUPANCY? 
# 8 ) WHEN DID IT BECOME LEGAL TO DOUBLE A PERSON 'S HOUSEPAYMENT USING EMBEZZALEMENT, FALSE CHARGES, AND OTHER TYPES OF LOAN FRAUD? 
{$9.00} ) WHEN DID IT BECOME LEGAL TO ADD 2000 % ( 2000 % ) APR ON MONTHLY PAYMENTS? 
# 10 ) WHEN DID IT BECOME LEGAL TO SAY TO A CUSTOMER " PAY THIS AMOUNT AND YOUR LOAN IS CURRENT '' WHILE NOT BRINGING THE ACCOUNT CURRENT, LYING TO CUSTOMER, COLLECTING PRINCIPAL WITHOUT CREDIT, AND ADDING LATE FEES INTEREST AND INSPECTION AND ATTORNEY FEES ON AN ACCOUNT THAT IS CURRENT? 

NATIONSTAR AND ITS EMPLOYEES ARE INTENTIONALLY DEFRAUDING THE GOVERNMENT SOME OTHER FACTS NATIONSTAR HAS LIED ABOUT AND HIDDEN XXXX is the co-founder, principal, and co-chairman of the board of the directors of XXXX which is the majority shareholder of Nationstar. 
According to the most recent SEC filings, XXXX currently owns nearly 63 % of Nationstar. 

AS THE FBI AND CFPB XXXX EXPANDS ... XXXX SHOULD BE LOOKED AT FOR REIMBURSEMENT OF THE FHA FRAUD. 

THE CRIMES I DOCUMENTED WERE APPROVED AND ENDORSED FROM THE TOP DOWN OVER AND OVER AGAIN ... FOLLOWED BY ADDITIONAL CRIMES. 

ATTACHED ARE XXXX LOANS WITH THE SAME EXACT ISSUE ... DUE FOR XX/XX/XXXX AND XX/XX/XXXX. 

XXXX IS AN HONEST BANK, THEY COMPLY WITH THE LAW, THEY DO N'T ADD FEES JUST TO PAD THE BOTTOM LINE, AND THEY DO N'T LIE, CHEAT STEAL AS PART OF AN ORGANIZED CRIMINAL RACKETEERING SCAM. I WOULD RATE THEM AS 100 % ETHICAL AND 100 % COMPLIANT. 

NATIONSTAR CONTINUES TO LIE, CHEAT, AND STEAL WHILE BEING A VOID WHEN IT COMES TO ETHICS AND COMPLIANCE. I WOULD RATE THEM NEAR XXXX ON BOTH. 

THIS ACCOUNT WAS BROUGHT CURRENT AND COMPLETELY UP TO DATE IN XX/XX/XXXX WHEN THEY TOOK A SUBSTANTIAL PAYMENT OF SEVERAL XXXX DOLLARS. THEY LIED ON THE PHONE WHEN THEY TOOK THE PAYMENT AND THEY LEFT A BALANCE ... THEY USED THIS ILLEGAL ACT TO CONTINUE TO THREATEN FORECLOSURE AND THEY CONTINUE TO ADD LATE FEES AND ATTORNEY FEES AND INSPECTION FEES TO A LOAN THAT IS CURRENT. 

NATIONSTAR INTENTIONALLY USE SCARE TACTICS TO STEAL HOMES ILLEGALLY. 

NATIONSTAR PREYS ON THE LESS EDUCATED AND THE ELDERLY. 

COPIES OF " XXXX LETTERS '' WITH NO BASIS IN MATH AND NO EXPLANATION TO THE CONSUMER WERE PREVIOUSLY UPLOADED TO CFPB PREVIOUSLY COMPLAINT WITH A PDF TITLED " FBI FILE ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation