Consumer complaint received 2017-08-30
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
URGENT ATTENTION REQUIRED XX/XX/XXXX XXXX. XXXX/Nationstar Mortgage XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Attention : Customer Relations this is a case of Dule tracking RE : Homeowner, XXXX XXXX XXXX - Loan # XXXX T.S. # XXXX ONE ADDRES IS ALREADY ON THE LETTER HERE IS THE OTHER ADDRES This is a qualified written request under Section 6 of the Real Estate Settlement Procedures Act ( RESPA ). ( Tital 12, Chapter 27 of the United States Code, 12 U.S.C.
I am XXXX XXXX XXXX, Loan number home loan # XXXX, T.S. # XXXX, ( Phone number XXXX. Address XXXX XXXX XXXX XXXX XXXX CA XXXX.
Foreclosure Sales Date XX/XX/XXXX.!!!!! 4  business days from now It is my requirement to give you Notice to self remedy before we will be allowed to seek relief up to and including the full market value of the Home In question and other potential damages.
Request : Please open a case & stop foreclose pending resolution of this matter.
You are in violation of the California Home Owner Bill of Rights restriction on dual track foreclosure.
Facts : On XX/XX/XXXX, You opened an offer to me for modification in a call with your staff XXXX. XXXX XXXX ( XXXX ). On XXXX, i talk to XXXX ( XXXX ), when he wonders why he had not yet received the application promised on XX/XX/XXXX, XXXX told me to keep waiting for the USPS mail. On XX/XX/XXXX, in a call with XXXX XXXX, ( XXXX ), she sent me 2 emails with modification applications that same day. My client both faxed on XX/XX/XXXX, ( See proof of fax confirmation attached ) and mailed with USPS expired priority mail received by Nationstar on Monday, XXXX XXXX, my full requested documents & application. ( See USPS proof of delivery attached ).
In a Nationstar letter dated XX/XX/XXXX, you confirm receiving my correspondence dated XX/XX/XXXX, that my requested Modification document and application. it took me only 13  days after he received the application to mail and fax it in to Nationstar. Nationstar ALSO dated another conflicting letter XX/XX/XXXX, from XXXX XXXX, Advocacy Manager ostensively saying Nationstar did not receive the Application / Documents for modification and preceded in that new letter to open up another NEW offer for modification & enclosing another unnecessary application. Her letter was an attempt to help me However, it shows substantial confusion on the part of Nationstar and has confused me i needs to understand if you have LOST my submission?
Notwithstanding all of the above, Nationstar sent a Notice of XXXX XXXX for XX/XX/XXXX, XXXX XXXX, with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX.
On one of the two, Nationstar later dated XX/XX/XXXX, mentioned above tell you received his requested modification submission dated XX/XX/XXXX, BUT YOU WILL RESPOND NO LATER THEN XX/XX/XXXX?!! 4 days AFTER the set trite foreclosure sales date?
According to our talks with Consumer Financial Protection Bureau AND The U.S. Dep OF HUD, regarding the Real Estate Settlement Procedures Act ( RESPA ), Dual Tracking is when a mortgage servicer, is simultaneously evaluating a consumer for loan modifications or other alternatives at the same time that it prepares to foreclose on the property. This is also a violation of the California Bill of Rights law of XX/XX/XXXX, designed for fairness in the Foreclosure process for homeowners. According to this Law recovery of damages will be available following a foreclosure sale.
As I stated above, It is my requirement to give you Notice to self remedy before we will be allowed to seek relief up to and including the full market value of the Home In question and other potential damages. This letter serves that purpose.
I understand that under Section 6 of RESPA you are required to acknowledge my request within 20 business days and must try to resolve the issue within 60 business days i have requested a case be opened at RESPA.
Director, Office of RESPA US Department of Housing and Urban Development XXXX XXXX XXXX XXXX XXXX XXXX XXXX DC XXXX XXXX i have requested a case be opined with the Consumer Financial Protection Bureau ( CFPB ), Director  XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX D.C.
Under the law, it is Illegal to threaten civil litigation. Please let me advise you my client has informed me he wishes to move forward with such action if ever his home is sold without the opportunity to receive the Keep You Home California ( KYHC ), $ 100K Principal Reduction Program Grant,  that he was once approved for and has just re-opened that government grant program only as of this XX/XX/XXXX, the KYHC, office will need time also to evaluate and re-approve my client once more. As well as any opportunity Nationstar will offer in its response to the XX/XX/XXXXsubmitted modification application/documents.
i was a Former California Official of the highest ranking. i am a man of means and can pay a proper home loan mortgage payment reflective of the massive los of value in his home and his hardship story that combined created this situation. I will help him all i can to fix the damage the seeds to be coming because of Nationstar design or mistake.
I will wait for you cancelation of the pending sales date.
Please resolve or call me at once.
Sincerely, XXXX XXXX XXXX home owner phone XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Total 3 pages

Company response to consumer: Closed with explanation