Consumer complaint received 2017-04-29
Company: NATIONSTAR MORTGAGE LLC
State: TN
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
On   XXXX   XXXX   XXXX   I emailed a letter dated   XXXX   XXXX   XXXX   to Nationstar Mortgage. ( Exhibit A  )  The letter was emailed to  XXXX  XXXX  XXXX . This letter specifically asks for 1. A copy of the most recent letter of assignment or ownership upon which Nationstar bases its authority to notice me for collection activities.  2.  Full verification of the original debt asserted by the original creditor, and a copy of the original signed agreement between myself and that creditor.  3 . Verification of the complete amount of the currently asserted indebtedness, directly from the creditor and not from Nationstar files. I also included in the same email a letter dated   XXXX   XXXX   XXXX   a Qualified Written Request asking for specific information pertaining to my mortgage. ( Exhibit B ) .This email was received by  XXXX  XXXX  XXXX  and I received an email response asking  XXXX   at Nationstar fo r assistance. ( Exhibit C ). On   XXXX   XXXX   XXXX   I received a reply email from  XXXX   XXXX , Manager, Document Control-Default at Nationstar stating that Someone will be in contact with you to address your concerns ( Exhibit C ). None of the requests that I made in the letters I sent were addressed by Nationstar, and no person at Nationstar communicated with me concerning my requests because they are not able to prove the validity of the debt. The last communication that I had with  Nationstar  was with a customer service representative that told me the foreclosure has been postponed until   XXXX   XXXX   XXXX  , but that it was on a pause status and that they did not know what that meant or if a foreclosure would take place on   XXXX   XXXX   XXXX   or not. I assumed that it meant that Nationstar was gathering the requested information and I waited for Nationstar to reply but instead they performed an illegal debt collection in the form of a fraudulent foreclosure on my home. Prior to the illegal debt collection that took place on   XXXX   XXXX   XXXX   I mailed certified copies of a Notice to Cease and Desist to Nationstar Mortgage,    XXXX   XXXX   XXXX   , and copies to the Consumer Financial Protection Bureau  (  Exhibit D ) and opened complaint  XXXX . ( I tried to dispute their reply but had a computer error and could not and the case was closed  ) Nationstar  did not respond within 5 days to my  Cease and Desist an d I assumed they chose option  1  XXXX  that further debt collection efforts were terminated. Nationstar willingly violated my  Cease and Desist Order  by performing an illegal debt collection in the form of foreclosure on   XXXX   XXXX   XXXX   and at this time Nationstar is now using deceptive forms and harassment in an effort to continue their illegal debt collection. (  15 USC 1692e, 1692d, and 1692j  ) On   XXXX   XXXX   XXXX   I received a letter that appears to be from the law firm   XXXX   XXXX   XXXX   XXXX    (  Exhibit E ). The letter states that a foreclosure sale of my property has taken place and that This law firm represents  XXXX   XXXX , the new owner. Exhibit  E  falsely implies that an attorney at   XXXX   XXXX   XXXX   XXXX   is meaningfully involved in activities pertaining to my property located at  XXXX   XXXX   XXXX , TN  XXXX . The letter allegedly from  XXXX   XXXX   XXXX   XXXX  does not bear the signature of any attorney and specifically states not to call  XXXX   XXXX   XXXX   XXXX  directly. Exhibit E also falsely and deceptively states that  XXXX   XXXX  is the NEW OWNER of my property. There is no reference to  XXXX   XXXX  on any Deed of Trust paperwork filed in conjunction with the illegal debt collection performed by Nationstar. There is no record of  XXXX   XXXX  purchasing my home at any foreclosure auction, and no record of any quit claim deed or other transfer to  XXXX   XXXX . According to Nationstar, and the Deed filed  at t  he county  clerks office, the owner of  XXXX   XXXX   XXXX , TN  XXXX  is   XXXX   XXXX   XXXX   XXXX   as Trustee for  XXXX   XXXX . ( Exhibit F ). According to their website ( Exhibit G )  XXXX   XXXX  also known as   XXXX   is headquartered in  XXXX , Texas and was founded in  XXXX  an indirectly held, wholly owned subsidiary of Nationstar Mortgage  Holdings , Inc., a l eading provider of  residential mortgage services.  Additional Nationstar corporate information is available at www.nationstarholdings.com ( http : //www.nationstarholdings.com ). Clearly,  Nationstar  the servicer/debt collector who has NEVER held an ownership interest in my property is purposefully and deceptively lying to me as a consumer concerning the owner of my home being  XXXX   XXXX . This is a clear and willful violation of  15USC 1692e  numbers  ( 3 ), ( 6 ), ( 9 ), ( 10 ), ( 11 ), ( 12 ), ( 13 ), and ( 14 ) , and also a violation of  USC 1692j 812 (  a ) because they have in fact designed, compiled, and furnished a form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. Nationstar has also violated  15USC 1692d b ecause they are trying to coerce me to abandon my home so that their illegal debt collection activities  may  continue. There is currently a class action lawsuit filed in  US Dist rict Court for the  XXXX   XXXX   XXXX  Wisconsin  XXXX  Division filed against  XXXX   XXXX   XXXX   XXXX  for engaging in a pattern of the same deceptive practices. ( Exhibit H ). I have never been provided with proper documentation to prove that  Nationstar  is the legal collector of my alleged mortgage debt, and instead of providing the documentation, they willfully ignored my requests and performed an illegal debt collection in the form of a foreclosure.

Company response to consumer: Closed with explanation