Consumer complaint received 2015-05-21
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been addressing these issues since XX/XX/XXXX when I was granted the attached loan modification by XXXX XXXX XXXX prior to the XXXX XXXX XXXX purchase and subsequent takeover followed by XXXX XXXX XXXX nullifying the loan modification after years of payments in XX/XX/XXXX, violating my consumer and constitutional rights with no recourse. 

I have addressed these issues both in writing and orally to Nationstar Mortgage but the account history discrepancies have been met with only resistance to include a " pass the buck '' mentality and strategy by Nationstar Mortgage and a simple refusal to provide requested information or to even open an investigation with regard to the loan modification history on the mortgage loan per the attached. 

As a result of Nationstar 's blatant refusal to honor my claims to the point of investigation, Nationstar has left me with no choice but address these issues with the CFPB to finally get some answers as to how XXXX can execute a loan modification on my mortgage loan that neither XXXX XXXX XXXX nor Nationstar has any proof of when I possess the attached supporting documentation. I am confident that the actions would be of interest to the regulatory and government agencies that oversee the mortgage lending and mortgage servicing industries, which is why I have chosen to address this with the CFPB. 

NOTICE OF ERRORXXXX. I successfully entered into a permanent loan modification agreement with XXXX XXXX XXXX in XX/XX/XXXX beginning XX/XX/XXXX as evidenced by the attached notarized and fully executed loan modification agreement between me and XXXX XXXX XXXX. 

XXXX. I am asserting that XXXX XXXX XXXX breached the loan modification agreement in XX/XX/XXXX when XXXX XXXX XXXX refused to honor the loan modification and refused all future payments from me, resulting in breach of contract and wrongful foreclosure - Nationstar refuses to address it. 

XXXX. I am asserting that Nationstar Mortgage has taken no action in the " breach of contract '' matter and has turned a blind 's eye to the serious consumer and constitutional mortgage servicing violations and breach of contract to further perpetuate the wrongful foreclosure of my property over and over again. 

REQUEST FOR INFORMATIONI would like for Nationstar as the current mortgage servicer on my loan to answer the following questions since XXXX XXXX XXXX has stated that they no longer own the loan and refuse to address these loan modification issues:XXXX Did I execute a loan modification agreement with XXXX XXXX Loans back in XX/XX/XXXX as evidenced by the attached? 

XXXX. When my mortgage loan was transferred from XXXX XXXX XXXX to XXXX XXXX XXXX, did XXXX XXXX XXXX honor the loan modification and if so, how long did XXXX XXXX XXXX honor it for and if canceled, please provide the reasons for cancelation. 

XXXX. Please provide a complete accounting of the mortgage loan from origination with XXXX to the XXXX XXXX XXXX transfer to the Nationstar Mortgage service transfer and please provide all documentation notifying me of each transfer and validating the mortgage loan balance for each transfer with each servicer. 

XXXX. Please provide a detailed explanation as to why XXXX XXXX XXXX accepted the modified mortgage loan payments from XX/XX/XXXX to XX/XX/XXXX but refused to accept any further modified payments beginning XX/XX/XXXX ; please also outline the reasons for all actions commensurate with a cancelation of the attached loan modification agreement. 

XXXX. Please provide a detailed explanation of the actions that Nationstar Mortgage has taken in an effort to determine if the XX/XX/XXXX loan modification agreement was valid and why it was canceled upon receipt of many letters submitted by me detailing the situation to include proof of everything to support her claims of breach of contract. 

Thank you!

Company response to consumer: Closed with explanation