Consumer complaint received 2017-10-20
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX : XXXX passes away at XXXX. Nationstar starts writing that we are behind in payments after 7 years of paying on time. Nationstar places insurance ( forced ) on property, when insurance was active. Nationstar pays property tax, before we paid or check gets returned. Nationstar creates escrow account, not part of original agreement. Nationstar sends back our monthly payment stating it does n't cover the outstanding balances, force created by Nationstar. XXXX XXXX to XXXX XXXX we send demand for proof of claim letter, beneficiary statement and QWR to Nationstar. Nationstar identifies itself as the XXXX of a XXXX XXXX. Nationstar identifies the Trustee of the XXXX XXXX. Nationstar shows a XXXX spreadsheet that starts an accounting in XXXX, when the agreement started the debt obligation in XXXX. Nationstar provides a certified copy of the Deed of Trust and PRomissory Note. Nationstar provides no other validation of authority and is not a party to the original agreement documents. Nationstar provides ( records Clerk Recorder 's Office and proffers as evidence XXXX XXXX XXXX California ) names of parties with a right to enforce and a right to collect, that do not have a lawful identity in XXXX XXXX California XXXX of XXXX, IRS, SEC, FDIC, or NiC ) or otherwise. Nationstar claims a right to collect on a debt that should have been paid off ( based on Nationstar submitted documents XXXX years ago. 
Nationstar claims to work for an entity that has no lawful identity. Nationstar claims to be a servicer for a XXXX XXXX that does n't exist. Nationstar has recorded documents that are a slander of title and are preventing us from selling the property in question ( XXXX we have been in escrow ). XXXX XXXX We mailed certified a TILA Notice of Rescission to the Principal Parties identified by Nationstar in their response to the Demand of Proof of Claim, and the QWR. 
XXXX XXXX XXXX to Date ) ; We sent XXXX copies to the same parties over the XXXX calendar year. 
XXXX XXXX XXXX Nationstar records a XXXX XXXX of Deed of Trust. Assigning an unspecified interest in the subject property from MERS to " an unlawful entity '' and " unlawful XXXX ''. Signed by a Nationstar employee. XXXX XXXX XXXX We recorded the TILA Notice of Rescission in the XXXX XXXX Clerk Recorders office. We recorded the Notice of Intent to Preserve Interest in the XXXX XXXX XXXX office with Exhibits related to the TILA rescission notice. XXXX XXXX XXXX Nationstar as Attorney in Fact for " unlawful entity '' substitutes the original Trustee for XXXX Foreclosure XXXX. XXXX Foreclosure XXXX as '' substitute trustee '' files a Notice of XXXX. We send XXXX a " proof of claim demand and a beneficiary statement demand '' and notify them of the XXXX rescission filing and recording. 
Additionally, we notified them of the " set-off '' created by said filing. XXXX responds with XXXX pages of alleged proof of claim ... showing a certified original copy of the promissory note and deed of trust with a promissory note allonge ... the allonge shows a different debt obligation with the proper reduction of original debt principal. the allonge shows " specific endorsements '' to a current entity that Nationstar alleges a relationship with and alleges to work for. XXXX ' information shows claims for an amount equal to what the original debt obligation should have been and yet they are claiming amounts far in excess to what their documents show could be the balance owed. Which we do n't agree with at any level. XXXX additionally shows that the promissory note ( original ) has NO ENDORSEMENTS ON IT to anyone who could claim to be a lawful creditor of the debt obligation.

Company response to consumer: Closed with explanation