Consumer complaint received 2017-10-13
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I starting noticing quite a bit of irregularities after XXXX XXXX fka Nationstar Mortgage LLC ( " Nationstar '' ) denied my request for HAMP in XX/XX/XXXX and was denied loan modification. Before I could appeal my denial I requested the full details of the denial and after many months of calling and writing, they finally apologized for not giving sufficient reasons for the denial but in the end they still did not provide the net present value data that we 've been requesting for. I also disputed the validity of the debt on XX/XX/XXXX because of conflicting information regarding the legal ownership of my note and deed of trust. They violated RESPA because they never sent the 5-day notice of receipt of communication and inquiry and which XXXX and I did a conference call to follow up on getting a valid hamp modification from Nationstar and inform them that they have not responded to my debt validation/dispute. On XX/XX/XXXX we spoke to a XXXX XXXX, Nationstars Customer Advocate Specialist, by telephone to follow up on my Debt Validation/Dispute Request on XX/XX/XXXX. XXXX XXXX confirmed that Nationstar did in fact receive it on XX/XX/XXXX in a letter dated XX/XX/XXXX. Nationstar finally responded in 49 days which would make that their second RESPA violation that I with regards to the Debt Validation/Dispute in XX/XX/XXXX. 

I sent a Qualified Written Request ( QWR ) on XX/XX/XXXX and I received a response on XX/XX/XXXX stating that they will respond no later than XX/XX/XXXX. I first received a respond on XX/XX/XXXX and more financial records and other relating to QWR on XX/XX/XXXX and XX/XX/XXXX. They did not give me time to review the records and decided to file/record a Notice of Default at the XXXX County Recorder 's Office on XX/XX/XXXX @ XXXX XXXX  which is only 1 or 2 days from the time I received the third part of my QWR response. To add insult to injury, on the exact same date and time the Notice of Default was recorded, a Subtitution of Trustee was also recorded. The Substitution of Trustee was executed but not recorded on XX/XX/XXXX. Nationstar violated California Civil Code 2934 ( b ) where they did not sent me a copy of the Substitution of Trustee in the same manner provided in Section 2924b and an Affidavit must be attached to the Substitution of Trustee. 

Nationstar violated RESPA and the California Homeowner Bill of Rights and other State and Federal Laws including the False Claims Act when they ( non-parties to my NOTE and Deed of Trust ) fraudulently recorded a Corporation Assignment of Deed of Trust. 

I am disputing the validity of the Corporate Assignment of Deed of Trust, Substitution of Trustee, Validity of the Debt and Fraudulent indorsement of the Note. 
Nationstar, the purported Trustee of the purported Trust, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX came show unbroken chain of title and valid and proper intervening assignments and indorsements of the instruments that they are claiming, they MUST CEASE AND DESIST from any further Trustee Sale Activities especially the need to cancel or postpone the fraudulent Trustee Sale scheduled next week Wednesday, XX/XX/XXXX at XXXX XXXX. The Trustee is XXXX XXXX XXXX and being assited by XXXX  XXXX, who turns out to be an indirect subsidiary of the puported sub-servicer of the XXXX XXXX, Nationstar Mortgage LLC See attached detailed complaint and explanation.

Company response to consumer: Closed with explanation