Consumer complaint received 2017-07-05
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
A Defectively filed Notice of Default was filed and a CFPB Complaint filed XX/XX/XXXX as Complaint No. XXXX. This NOD was reversed due to being wrongly filed and defective as had been stated in the prior complaint. However Nationstar hired a " new '' firm as their Attorney Foreclosure Firm - Yes reversing the prior NOD and then filing a " new '' Defective Notice of Default by being in too big a hurry to pay attention and thereby utilizing a twice used California Declaration that is mandatory requirement under CA Civil Codes. I 'll attach the Civil Codes for Review as Nationstar is by passing the application of the laws. <P/>During the prior 30 days from the NOD recorded by XXXX XXXX XXXX acting as a Sub of Trustee/recorded a 'NOD on XX/XX/XXXX ' with a FALSE Affidavit/Not reliable and since was wrong the first round in XX/XX/XXXX ' is still not reliable nor accurate. This affidavit was filed claiming efforts made 30 days " prior '' to the date it was signed and was to relate to the NOD being recorded. Obviously a Declaration from XX/XX/XXXX for an event of Pre-Foreclosure Steps in XX/XX/XXXX' are not true nor reliable as required under the laws. In fact the NOD pre-30 Days I was in a Forced into Ch XXXX from faulty acts being made caused a Bankruptcy stay in place and for the entire year from XX/XX/XXXX ' - Through XX/XX/XXXX this would be exempted from any possible attempts to make contact given the BK. Rather than follow the outlines of the laws by-passed and just attempted to reuse the prior faulty Defective Declaration knowing it was not true nor possible to be true. <P/>Each detail since has ever more " odd '' and strange outcomes : On top of this a " Request for each Demand Letter '' that would correlate and Each Demand Letter from any hired firms. A Blank Letter arrived with a page one letter claiming here are the attached items as requested yet all pages are blank. 8 Pages Blank as to show some type of pre- 30 Day Letter of a Demand prior to recording a NOD. No documents provided. This makes no sense and is very odd. <P/>Then on top of this Nationstar apparently failed to inform of my mailing address - to the " new '' Trustee and this caused the 5 Day Letter required after recording a NOD to have been sent to ONLY the Wrong Address ; Missing the 5 Days of any such Debt Validation. This appears may have been intentional since the same firm and Nationstar knew my address as I was " in '' the bankruptcy having " same '' address just 3 Days prior. <P/>Additionally the Foreclosure Attorney firm named XXXX XXXX aka XXXX had my address as they were involved in the BK details and 3 Days earlier had my information and then claimed did not have it and that for some reason Nationstar failed to " give '' the correct mailing address. This defective Notice also caused XXXX XXXX AS TRUSTEE to file and PUBLISH wrong details of a debt claimed as owed/false accounting/and File a Status on their own Web site referencing an Auction Company named XXXX this firm is now publishing NON PUBLIC INFORMATION. PRIVATE INFORMATION TO THE PUBLIC ON MY NAME, PERSONAL DETAILS AND MY ENTIRE LOAN ACCOUNT. ( The letter attached explains this further - & both entities have been informed of this very illegal collection practice and have failed to respond ) allowing a continued publishing of my personal NON PUBLIC INFORMATION to be on a pubic website. <P/>This XX/XX/XXXX- Notice of Default is filed inaccurately, defectively and is outside of CA laws, and outside of Dodd Frank Regulations ; the Publishing of Personal Information and a Claim of a Debt by XXXX is being instructed to 3rd parties thereby Violating Fair Debt Collection Practices and " Slandering my Reputation '' And Slandering Title as well as causing Private Confidential information to the Public as this violates the FDCPA AND VIOLATES CA. ROSENTHAL Debt Collection Act.  Personal information is to be kept confidential. <P/>This is causing great stress and over 20K views from other sites picking up the Auction details. This was informed to Nationstar to STOP PUBLISHING MY PERSONAL INFORMATION AND TO REVERSE THE NOD. <P/>Both parties are ignoring the laws. XXXX XXXX XXXX says they are a Debt collector - acting for another ( another 3rd party - XXXX XXXX as Trustee of a Trust ) -- and the Debt was under Dispute however XXXX continued to make efforts to collect on a debt claimed as owed and instructed a 3rd party named XXXX to publish private NON Public Information. XXXX states they ONLY do as instructed by Nationstar however Nationstar knows this was " in dispute '' as still open dispute ongoing concerns that were raised and not answered previously. Nationstar continues to just disregard homeowner 's concerns. Stating they would look into the facts however never responds knowing this was a heightened and very wrong to publish NON Public information. Now further sends a new RMA yet never responds to the RMA that is provided and or all the documents provided. Each  communication is ignored unless I bring to the Regulators Attentions. Then still typically are answered with non-answers. Or by passing the details raised. <P/>Each communication is met with incompetent staff that seems any issues are out of their league or scope of comprehension. The internal staff keeps changing my One Pointed assigned person back and forth and back and forth. No Customer Escalation Teams are available when they state to contact them. Each attempt to reach out only results in new frustrations. No return calls or no responses to my concerns raised. Each time a new person at Customer Service says they will put notes and have the Escalation Team look into and also have the one person call back and no calls ever come. No Escalation Team answers. In the hurry to foreclose regardless of all concerns in regards to my unconscionable predatory loan by XXXX and many promised outcomes from each regulatory lawsuit that was to assist only results in ever new increased balances that have no relation to the agreements made. This has caused extreme harassment and unfair business practices. I feel my money was stolen and I can not even use my home from now it is damaged so badly after Nationstar ordered persons to break in and cause massive damages. This has been non stop. I deserve better treatment and respect than what is shown. My privacy should be protected and not part of a scheme to cause further embarrassment and harassment. <P/>This is a pattern which interferes with my entire life as I am strung along waiting for them to make good on the Regulators Agreements pertaining to the USDOJ - and CA AG and the NMS agreements pertaining to my XX/XX/XXXX ' XXXX Origination loans. <P/>The note was accelerated however since no understanding is found at any level - even the Attorney firms hired, state they are NOT Attorney 's they Do not check the laws and are not required to. This is causing a multitude of mistakes and entire laws to be disregarded in every sense. This is a Defective NOD filed and again, instructed to send to the Attorney firm ( per Nationstar ) then sent a letter and exhibits by email and back up as certified mail otherwise Nationstar says they never received. Then attorney firm states they are not " really '' the attorney firm - only acting as a Trustee that does not require to follow any laws. As if they are exempt from any and all laws. This pattern is horrendously abusive. The Trustee 's are not acting as unbiased parties as they are hired to only benefit the Servicer 's requests and do not look at the laws. <P/>However all facts and details provided are ignored, and this is extremely frustrating as no accountability is found. The Attorney firm is advertising to be an expert in the Foreclosure process. However this appears to be a game that by passes all laws. To be hired for your expertise in one arena then claim you are not what you said. <P/>Nationstar keeps referencing that the Attorney 's will review all applicable laws. The same attorney 's that state NO they do n't have to follow any laws and Do not have to review laws either. That all responsibility is that of the Servicer. However the Servicer appears to be flying blind. This makes no reasonable Business practice found. <P/>The NOTICE OF DEFAULT WAS FILED DEFECTIVELY. THE DECLARATION IS NOT VALID NOR TRUTHFUL, OR RELIABLE. IT is obvious that it was used twice and is non compliant to the applicable laws. <P/>To Publish personal information is a violation of the FDCPA. This is a request to Reverse the defective NOD and Stop publishing my personal information. Stop publishing my Full Loan Account Number ; Stop publishing my name ; stop publishing fake accounting figures claimed as owed. And stop acting on faulty defective Declarations that are signed under perjury. This has been burdensome. <P/>And stop sending blank documents to suffice as if " real '' items are existing when no documents are found. <P/>Your Immediate Attention to these concerns are appreciated. AND stop saying you 've answered a complaint when no answers came/and no details were yet raised. <P/>This is a TOPIC that has NOT been Answered. The NOD is defectively filed as to rush with new trustee to hurry up to file a NOD regardless of events, timing and or any laws being followed caused this defective filing of a false affidavit twice used and having no reliability. <P/>To instruct a 3rd party to record, publish and claim a debt is owed. To fail the CA strict requirements ; and to ignore the topic raised as if it 's not necessary to answer to the homeowner. To cause horrendously outrageous collection attempts that include the details raised in the Letter Dated : XX/XX/XXXX that was sent by Email to the Attorney firm/and Trustee who stated they will review letter and send to Nationstar. <P/>See attached items. Both Versions of the twice used Declaration from XX/XX/XXXX' and again used in XX/XX/XXXX '  rather than taking the steps under the applicable laws. See attached Letter to both Nationstar 's cover letter of Two pages, and Six Pages to all parties : XXXX : XXXX XXXX and Nationstar. To correct by rescission. And stop publishing my personal loan information to public sites.

Company response to consumer: Closed with explanation