Consumer complaint received 2016-10-18
Company: NATIONSTAR MORTGAGE LLC
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Dear Examiner, Homeowners just received this alarming letter from Counsel from XXXX for and on behalf of Nationstar dated XXXX XXXX, XXXX. ( Ex A ) Within said correspondence XXXX state : " for a status update ... as to whether the property is scheduled for sale '', this is unacceptable given the following and Homeowners XXXX demand to know if XXXX for and on behalf of Nationstar intend to schedule a sale based upon the Notice of Default ( NOD ) issued on XXXX XXXX, XXXX : Further several erroneous assertions are made within the accompanying documentation XXXX for and on behalf of Nationstar have provided. 

The Nationstar letter to XXXX dated : XXXX XXXX, XXXX. Pertaining to : No. 1 " ... The Notice of Default ... is a valid document ... '' However the XXXX opinion ( Ex B ) asserts this is clearly incorrect, wherein : " ... The Notice of Default issued by Respondent on XXXX XXXX, XXXX involving the residential real estate located at XXXX XXXX XXXX XXXX XXXX WA XXXX does not appear to satisfy the strict content requirements of RCW 61.24.031 ( 2 ) and RCW 61.24.030 ( 8 ) ( f ) ... '' Further, " ... Based on these omissions from the Notice of Default, Respondent is in apparent violation of RCW 31.04.027 ( 13 ) for violating any applicable state or federal law relating to the activities under the act. Because Respondent issued a Notice of Default that did not include all content required under Washington 's Deed of Trust Act, Respondent is in apparent violation of the Deed of Trust Act ... '' No. 2 " ... for pool # XXXX ... '' This appears to be intentionally false and misleading as the XXXX Milestones ( Ex : C ) provided by Nationstar in correspondence at an earlier date to Homeowners XXXX provides : Pool Number XXXX, So which is it? Is Nationstar attempting to deceive the Homeowners and subsequently XXXX? Do Nationstar enjoy violating the Good Faith Doctrine when communicating with government entities such as the XXXX? Providing incorrect information to Homeowners XXXX who like to do their due diligence, purposely misleading them is by far no where in the ball park of a good faith effort by any means. And must be held accountable and sanctioned for such. 

No. 3 : Point 1 - Incorrect. ( See Ex B ) ; Point 2 - In light of Point 1 - Incorrect. ( See Ex B ) ; Point 3 - The Notice of Pre Foreclosure Options ( NOPFO ) Dated XXXX XXXX, XXXX, is a pitiful attempt to deflect from the fact that Nationstar failed to provide Homeowners XXXX with a mandatory NOPFO prior to the NOD of XXXX XXXX, XXXX. Beside the fact the NOPFO is approximately FOUR years old, it was rendered obsolete when the NOD around that time was rendered at fault and the surrounding foreclosure actions were canceled. Further the main and unmitigated reason the XXXX XXXX, XXXX NOPFO has no standing prior to the XXXX XXXX, XXXX NOD is that Homeowners XXXX entered into a Loan Modification subsequent to the XXXX XXXX, XXXX NOPFO, XXXX County record Auditor File # XXXX of XXXX/XXXX/XXXX, therefore rendering the XXXX XXXX, XXXX NOPFO of no effect, therein denying Homeowners XXXX mandatory rights afforded to them by way of the NOPFO as set forth by way of the WA legislature and in violation of the WA XXXX and XXXX and XXXX regarding the current attempted foreclosure. XXXX were and are deprived of their rights under the protections afforded under the NOPFO, therefore Nationstar and their allies such as XXXX are in violation of the XXXX, XXXX and subsequently the XXXX et seq. As Nationstar nor XXXX can show any bona fide evidence of a recent NOPFO immediately prior ( 30 days prior to, there or about ) to the NOD of XXXX XXXX, XXXX sent out to Homeowners, XXXX, therefore denying XXXX the protections afforded under the 30 day provisions of the XXXX. 
Point XXXX - XXXX see answers to points XXXX - XXXX above, Nationstar 's responses are invalid given the answers to points XXXX - XXXX above. XXXX

Company response to consumer: Closed with explanation