Consumer complaint received 2017-01-13
Company: NATIONSTAR MORTGAGE LLC
State: MO
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
So, I get back from 6 years in the XXXX. Before that I spent 6 Years as a XXXX. Although I am no longer on XXXX, and from this point forward I will be addressed as such and that will show me, and well demonstrate your respect for my service to you and our Country. 
Recently, XXXX XXXX 2016 my Mortgage was sold from XXXX to Nationstar Motgage. Nationstar, apparently, by some unknown method obtained a debit writing from XXXX and fraudulently used that debit writing to portray to my bank that I had given authorization to Nationstar Mortgage to withdraw ACH Electronic funds from my bank account. Nationstar did this 5 times even though I called them and asked them to stop. The only way I could get Nationstar to stop was to make written complaint at my bank and stop them by electronic means. I called Nationstar, to ask them why they were taking electronic funds when the Note is very specific about the 3 forms of acceptable payments and ACH Electronic debit transfers is not one of the 3 forms of acceptable payments. I told Nationstar that if they would send me something in writing, that they would accept the ACH transfer in lieu of the acceptable forms of payment ( cash, check, or money order ) and there would be no back charges of any kind, I would allow them to continue to debit the account electronically, but Nationstar refused. 
As I looked over my note, I noticed that there was a problem with the Borrowers Covenant, so I sent Letter and E-mail, No response - No action. I sent complaint Letters, request letters, and demand letters only to receive a computer generated letter response that promised some response at some future date. When I call Nationstar no one there can answer my questions, not supervisors, not the Customer relations personnel, nay, not one person there can answer even the most basic question. 
I have asked them for a payment coupon with my statement so I can from time to time make extra payments, but no, even after months, no payment coupon. I have to go searching for numbers and past invoices to get address to post the check. 
Because of all of this, when I am in honor, with my loan, never late, paying ahead, much more equity in the property than debt ; I do feel something crooked is going on here. I feel that Nationstar is acting in Bad Faith ( with cause for action ), trying to dispossess me of my estate to realize the extra gain of profits, instead of sending me a statement with payment coupon so I can pay monthly, on time, as I have always done. 
I have tried to work with these people, but they have no honor. They refuse to honor my service by addressing me by my well earned and given title of XXXX. They refuse to answer any of my questions, save 1, they did give me one answer, but I have asked many questions without response. I expect better, I deserve better, and I will receive better treatment. I have a RIGHT to expect better and I will enforce that RIGHT to the full extent the Law will allow. 

Respectfully, XXXX

Company response to consumer: Closed with explanation