Consumer complaint received 2018-07-13
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
LOAN ORIGINATION FRAUD ~ FRAUDULENT SALES DOCUMENTS, FRAUDULENT PRELIMINARY CLOSING DOCUMENTS AND FRAUDULENT TRUTH IN LENDING STATEMENTS AND FRAUDULENT ESCROW DISCLOSURES WERE ALL CONFIMREMED TO HAVE BEEN USED. NO CORRECTIONS WERE OFFERED AS REQUIRED BY LAW. UNDER U.S. FEDERAL CONSUMER LAWS WE HAVE EXERCISED OUR RIGHT TO LOAN CANCELLATION DUE TO FRAUD AFTER PROVING IT, BUT THIS JUST TRIGGERED MORE CRIME FROM THIS CRIMINAL ORGANIZATION.

THEY PRETEND TO OPERATE A LEGITIMATE BUSINESS AND THEY ALSO PRETEND THAT THEIR SYSTEMATIC, PRE-PROGRAMMED INTENTIONAL FRAUD AND CONSPIRACY TO DEFRAUD THE U.S. FEDERAL GOVERNMENT IS AN ACCIDENT. 
ESCROW FRAUD ~ XXXX WAS STOLEN FROM OUR ACCOUNT, WE WERE NEVER NOTIFIED WHEN IT WAS STOLEN OR REPLACED AS REQUIRED BY LAW. THIS IS ALSO FRAUD AND MISAPPRPOPRIATION OF FUNDS. THEY STOLE THE MONEY ... THEN DOUBLED THE HOUSE PAYMENT ON A GRIEVING WIDOW. 
WHEN THE ESCROW FRAUD AND LOAN ORIGINATION FRAUD WERE DISCOVERED, NATIONSTAR PRETENDED TO INVESTIGATE, ASSURING ME IF THE CORRECTED LOAN ORIGINATION DOCUMENTS WERE NOT LOCATED, THEY WOULD TAKE APPROPRIATE ACTION. THEY ALSO COMMITTED ANOTHER COUNT OF FRAUD BY ASSURING US THAT NO FORECLOSURE WAS TAKING PLACE WHILE THEY REVERSED THE OBVIOUS FRAUD THEY HAD CONFIRMED THEMSELVES AFTER YEARS OF PRESSURE TO RELEASE THE TRUTH. 
WE HAVE YET ANOTHER INTENTIONAL FRAUD IN THE AREA OF ESCROW WHEN IT CAME TIME TO TELL US THE TRUTH ABOUT THE LOAN ORIGINATION. FOR YEARS ... NATIONSTAR CLAIMED TO HAVE NO RECORD OF ANY TRANSACTION PRIOR TO COLLECTING ON THE LOAN THEMSELVES. THIS IS ALSO WIRE FRAUD BECAUSE IT WAS DONE OVER THE PHONE. 
IN THE PAST 12 MONTHS, NATIONSTAR HAS STOLEN THOUSANDS OF DOLLARS FROM US AND THEY CONSTANTLY STEAL PRINCIPAL WITHOUT CREDIT. I HAVE THEM ON TAPE TELLING ME THEY ARE TAKING MONTHLY PAYMENTS, CALCULATING THE AMOUNT TO THE PENNY, DEBITING MY ACCOUNT, AND STEALING THOUSANDS OF DOLLARS REPEATEDLY.

WHEN PUSHED THEY WILL PUT THE MONEY BACK BUT IT IS NOT CREDITED PROPERLY AND THEY WERE ABLE TO STEAL MONEY BY COLLECTING ON INTEREST THAT WAS NOT DUE. 
WE HAVE ASO CONFIRMED THAT NATIONSTAR CHARGES 100 % OF THE INTEREST, AN ILLEGAL, PRE-PAYMENT PENALTY, IF YOU PAY YOUR LOAN AHEAD. ON THE ONE OCCASION THEY DIDN'T STEAL A WHOLE PAYMENT, THEY STILL OVERCHARGED FOR INTEREST AND COLLECTED MONEY THAT WAS NOT THEIR 'S WITHOUT PROPER CREDIT. 
NATIONSTAR HAS COMMITTED WIRE FRAUD BY STEALING OUR XX/XX/XXXX HOUSE PAYMENT BY LYING ON THE PHONE. 
NATIONSTAR HAS COMMITTED FRAUD BY STEALING OUR XX/XX/XXXX HOUSE PAYMENT. 
NATIONSTAR JUST STOLE OUR XX/XX/XXXX HOUSE PAYMENT. 
NATIONSTAR COMMITTED FRAUD BY COLLECTING INTEREST THEY WERE NOT OWED WHILE STEALING PRINCIPAL WITHOUT INTEREST. 
NATIONSTAR DEFRAUDED THE US GOVERNMENT AND THE LOCAL AND STATE GOVERNMENT IN XXXX COUNTY AND FLORIDA RESPECTIVELY BY SELLING A HOME THEY NEVER LEGALLY OWNED THROUGH THEIR ONLINE AUCTION WEBSITE DBA XXXX. THIS ADDRESS IS XXXX XXXX XXXX  IN XXXX FLORIDA. THEIR TITLE COMPANY DBA XXXX XXXX CONFIRMED IN WRITING THAT NATIONSTAR NEVER HAD A CLEAR TITLE TO TRANSFER DESPITE YEARS OF EFFORT AND SOLD IT THROUGH A SHADY PAPER SHUFFLE KNOWN AS PORTFOLIO TRANSFER. 
WHEN CONFRONTED ABOUT THEIR WRONGDOING NATIONSTAR SAID, AND I QUOTE, THE XXXX YEAR OLD CONSUMERS " SHOULD HAVE KNOWN '' THAT PREDATORY LENDING WAS OCCUURING AND THEY SHOULD HAVE EXPECTED THIS TYPE OF DISHONESTY AND CRIME. 
ALTHOUGH WE CAN FIND SPECIFIC LAWS, RULES AND REGULATIONS TO BACK UP EVERY FRAUDULENT ACT, THIS CORRUPT ORGANIZATION RUNNING ON COMPUTER FRAUD CAN NOT ADMIT DOING ANYTHING WRONG. UP UNTIL NOW, THEY HAVE BEEN ABLE TO STEAL MILLIONS AND MILLIONS OF DOLLARS UNABATED BY SIMPLY SAYING IT IS AN ACCIDENT WHEN CHALLENGED AND " CONSIDERING THE MATTER CLOSED '' WITHOUT DOING ANYTHING BUT TERRORIZING THE CONSUMER.

NATIONSTAR COMMITTED ADDITIONAL FRAUD BY COMPLETING A FORECLOSURE THAT THEY SAID WAS NOT OCCURRING.

NATIONSTAR COMMITTED MAIL FRAUD BY MAILING FALSE STATEMENTS DURING MOST OF THEIR LOAN SERVICE. 
NATIONSTAR COMMITTED FRAUD BY STOPPING ALL PAYMENT REQUESTS WHILE PRETENDING NOT TO FORECLOSE. THIS IS A SICK GAME AND RUTHLESS. THE CONSUMER NEVERS SEES IT COMING. WHILE PRETENDING TO BE NICE ON THE PHONE, YOU SEE NOTHING IN THE MAIL, UNTIL THE COURT NOTICE THAT YOU HAVE BEEN FORECLOSED. THEY ARE STILL TRYING TO COLLECT THE ATTORNEY FEES FROM THIS FORECLOSURE THEY LIED ABOUT. EVERY MONTH THE COMPUTER PUTS OUT A DEMAND LETTER FOR A PAYMENT ON THE FORECLOSURE EVEN THOUGH WE ARE AHEAD ON PAYMENTS

Company response to consumer: Closed with explanation