Consumer complaint received 2016-12-31
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
NATIONSTAR sold my past due loan mortgage to XXXX on XX/XX/XXXX. XXXX XXXX XXXX transferred ownership to law firm of XXXX XXXX XXXX, dba XXXX XXXX XXXX to process foreclosure on the residence. 
XX/XX/XXXX, I received a DEBT VALIDATION NOTICE from CLEAR XXXX XXXX. 
XX/XX/XXXX I faxed a DISPUTE to XXXX XXXX XXXX XXXX - Please be advised that I, XXXX XXXX, dispute the validity of the stated {$880000.00} debt or a portion thereof ... Please provide a line item detail [ including the names of all parties, entities that charged fees for services i.e., inspections, maintenance, attorney fees, escrow amounts, etc. and whom received 'corporate advances ' validating the above-stated debt total dating back to XX/XX/XXXX, when NATIONSTAR acquired the debt from XXXX XXXX, to present to me via the address of the property listed above. 

XX/XX/XXXX I received via US Mail, XXXX XXXX XXXX response to my XX/XX/XXXX debt dispute ; " Please be advised that XXXX is the foreclosure trustee and not the lender or servicer of your loan. Any information regarding the servicing of your loan, including requests for payment accounting and/or history, should be directed to XXXX. '' ISSUE : When NATIONSTAR sold my loan to XXXX XXXX I received a XXXX page numbered list of 'advances, adjustments, disbursements ', etc. which requires extensive explanation. I 've shown this document to a mortgage auditor and he believes the document requires forensic accounting to clarify that the fees are not fraudulent and the amount that has been added to the mortgage total. 

XX/XX/XXXX XXXXNEW LOAN NOCASH PRINCIPLE = $ XXXX TOTAL = $ XXXX # 1 ) what is $ XXXX for? 
# 2 ) ALL ITEMS under these categories need explanation ; XXXXCORPORATE ADVANCE ADJUS ; XXXXCORP ADV NOCASH ADJ ; XXXXCORP ADV DISB ; All ESCROW & COUNTY TAX advances and disbursements # 3 ) I have not received a detailed accounting from XX/XX/XXXX though XX/XX/XXXX - the date NATIONSTAR sold my loan to XXXX XXXX. 
Please see the types of 'disbursements ' that NATIONSTAR has listed on numerous dates ; NO EXPLANATION XX/XX/XXXX LINE XXXX XXXXCORP ADV NOCASH ADJ $ XXXX LINE XXXX XXXXCORP ADV NOCASH ADJ $ XXXX LINE XXXX XXXXCORP ADV NOCASH ADJ $ XXXX- XX/XX/XXXX LINE XXXX XXXX ADVANCE ADJUS {$99000.00} LINE XXXX XXXX ADVANCE ADJUS {$99000.00} LINE XXXX XXXXCORPORATE ADVANCE ADJUS {$5000.00} LINE XXXX XXXXCORPORATE ADVANCE ADJUS $ XXXX LINE XXXX XXXXCORPORATE ADVANCE ADJUS $ XXXX ESCROW XX/XX/XXXX LINE XXXX XXXXCOUNTY TAX ADVANCE {$4800.00} LINE XXXX XXXXCOUNTY TAX DISBURSED $ XXXX XX/XX/XXXX LINE XXXX XXXXESCROW ADJ {$9900.00} LINE XXXX XXXXESCROW ADVANCE $ XXXX LINE XXXX XXXXESCROW ADVANCE {$9900.00} LINE XXXX XXXXESCROW ADJ $ XXXX- XX/XX/XXXX LINE XXXX XXXXESCROW ADVANCE $ XXXX- Am I not entitled to an accounting that makes sense and to be treated honestly and fairly regarding the validity of the total debt according to FDCPA XXXX? 

FDCPA 1692 G : Validating debts Bill collectors are required to validate debts before continuing collection efforts according to section G of the FDCPA. SECTION 1692G ( a ) Validation | Proof is required if debt is disputed SECTION 1692G ( b ) Cease Collections + Verify Debt| Requires that 1 ) Should the consumer dispute the debt or requests identification of the original creditor in writing 2 ) The Collector must cease collection efforts 3 ) until he verifies the debt and mails a response. 

Thank you.

Company response to consumer: Closed with explanation