Consumer complaint received 2017-08-30
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
URGENT ATTENTION REQUIRED XXXX XXXX, XXXX Mr. Cooper/Nationstar Mortgage XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX 
Attention : Customer Relations RE : Homeowner, XXXX XXXX XXXX - Loan # XXXX T.S. # XXXX This is a qualified written request under Section 6 of the Real Estate Settlement Procedures Act ( RESPA ). ( Tital 12, Chapter 27 of the United States Code, 12 U.S.C. 

I am XXXX XXXX XXXX, Loan number home loan # XXXX, T.S. # XXXX, ( Phone number XXXX. Address XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. 

Foreclosure Sales Date XXXX XXXX, XXXX. 

It is my requirement to give you Notice to self remedy before we will be allowed to seek relief up to and including the full market value of the Home In question and other potential damages. 

Request : Please open a case & stop foreclose pending resolution of this matter. 

You are in violation of the California Home Owner Bill of Rights restriction on dual track foreclosure. 

Facts : On XXXX XXXX, XXXX, You opened an offer to my client for modification in a call with your staff XXXX XXXX XXXX ( XXXX ). On XXXX, I talk to XXXX ( XXXX ), when he wonders why he had not yet received the application promised on XXXX XXXX, XXXX told me to keep waiting for the USPS mail. On XXXX XXXX, in a call with XXXX XXXX, ( XXXX ), she sent me 2 emails with modification applications that same day. I both faxed on XXXX XXXX, ( See proof of fax confirmation attached ) and mailed with USPS expired priority mail received by Nationstar on Monday, XXXX. XXXX, his full requested documents & application. ( See USPS proof of delivery attached ). 
In a Nationstar letter dated XXXX XXXX, you confirm receiving my correspondence dated XXXX XXXX, that was my requested Modification document and application. It took me only 13 days after I received the application to mail and fax it in to Nationstar. Nationstar ALSO dated another conflicting letter XXXX XXXX, from XXXX XXXX, Advocacy Manager ostensively saying Nationstar did not receive the Application / Documents for modification and preceded in that new letter to open up yet another NEW offer for modification & enclosing another unnecessary application. Her letter was an attempt to help me. However, it shows substantial confusion on the part of Nationstar and has confused my client who needs to understand if you have LOST my submission? 

Notwithstanding all of the above, Nationstar sent a Notice of Trustee Sale for XXXX XXXX, XXXX, XXXX XXXX, with XXXX XXXX services, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. 

On of the two, Nationstar later dated XXXX XXXX mentioned above tell me you received my requested modification submission dated XXXX XXXX, BUT YOU WILL RESPOND NO LATER THEN XXXX XXXX?!! 4 days AFTER the set trite foreclosure sales date? 

According to my talks with Consumer Financial Protection Bureau AND The U.S. Dep OF HUD, regarding the Real Estate Settlement Procedures Act ( RESPA ), Dual Tracking is when a mortgage servicer, is simultaneously evaluating a consumer for loan modifications or other alternatives at the same time that it prepares to foreclose on the property. This is also a violation of the California Bill of Rights law of XXXX XXXX XXXX, designed for fairness in the Foreclosure process for homeowners. According to this Law recovery of damages will be available following a foreclosure sale. 

As I stated above, It is my requirement to give you Notice to self remedy before we will be allowed to seek relief up to and including the full market value of the Home In question and other potential damages. This letter serves that purpose. 

I understand that under Section 6 of RESPA you are required to acknowledge my request within 20 business days and must try to resolve the issue within 60 business days I have has requested a case be opened at RESPA. 
Director, Office of RESPA US Department of Housing and Urban Development XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX hsg-respa@hud.gov I Have requested a case be opined with the Consumer Financial Protection Bureau ( CFPB ), XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX. 
XXXX, XXXX XXXX Under the law, it is Illegal to threaten civil litigation. Please let me advise you I wish to move forward with such action if ever my home is sold without the opportunity to receive the Keep You Home California ( KYHC ), $ XXXX Principal Reduction Program Grant, that he was once approved for and has just re-opened that government grant program only as of this XXXX XXXX, the KYHC, office will need time also to evaluate and re-approve me once more. As well as any opportunity Nationstar will offer in its response to the XXXX XXXX, submitted modification application/documents. 

I am a Former XXXX XXXX XXXX of the highest ranking. I am man of means and can pay a proper home loan mortgage payment reflective of the massive los of value in his home and his hardship story that combined created this situation. I will seek legal help to fix the damage the seems to be coming because of Nationstar design or mistake. 

I will be prepared to move forward ASAP. 
I will wait for you cancelation of the pending sales date. 
Please fix these administrative and civil law violations mentioned above. 



Please resolve or call me at once. 



Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Phone : XXXX cell Total 3 pages

Company response to consumer: Closed with explanation