Consumer complaint received 2016-07-09
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
WE HAVE BEEN THE VICTIMS OF FRAUD ON A HOME LOAN AT XXXX XXXX XXXX. XXXX, FL XXXX IT BEGAN WITH LOAN ORIGINATION FRAUD AND PREDATORY LENDING. IT CONTINUED WITH ESCROW EMBEZZLEMENT AND ESCROW FRAUD, PROGRESSED ONTO LOAN SERVICING AND CONSUMER FRAUD. 

DESPITE PAYING XXXX DOLLARS A YEAR MORE THAN DISCLOSED ON LOAN DISCLOSURE AND ESCROW DISCLSURE DOCS FOR 4 YEARS ... WE STILL HAVE AN ESCROW SHORTAGE IN OUR ACCOUNT. 

THEY ADDED 2 YEARS TO THE LOAN IN ADDITION TO THE THEFT, CRIME AND PREDATORY BEHAVIOR. 

CUSTOMER SERVICE HAS BEEN A CRIMINAL FRAUD. BELOW XXXX ALL THE WAY TO XXXX STYLE EXTORTION. 

THEIR DEFENSE HAS BEEN " OOPS ... WE MADE XXXX ACCIDENTS ... ALL IN OUR FAVOR BUT IT 'S OK BECAUSE EVEN THOUGH ALL OF THEM HURT YOU PROFUSELY AND HELPED OUR INTRICATE CRIMINAL SCAM .... THEY ARE ACCIDENTS AND WE ARE ALWAYS INNOCENT BECAUSE IT WILL ALWAYS BE YOUR FAULT AND YOUR OBLIGATION TO CORRECT OUR ERRORS. '' I WILL PROVE ... ONCE AND FOR ALL .. THAT THIS IS CRIMINAL FRAUD AND A RACKETEERING SCAM. 

IF IT WAS AN ACCIDENT SOME OF THE MISTAKES WOULD FAVOR THE CONSUMER. THERE HAS NEVER BEEN AN ERROR THAT FAVORED THE CONSUMER. INSTEAD, WE HAVE A CALCULATED CRIMINAL PLAN TO DEFRAUD THE U.S. GOVERNMENT AND INTENTIONAL ACT AFTER INTENTIONAL ACT ENABLING THEIR THEFT OF EQUITY, HOME AND LIFE IN MANY CASES. 

HERE IS YOUR 100 %, UNDENIABLE, UNREFUTABLE PROOF OF CRIMINAL FRAUD ~ Introduction to Probability and Statistics ~ Calculation and Chance .... 
Suppose you ask a subject to guess, before it is flipped, whether a coin will land with heads or tails up. Assuming the coin is fair ( has the same probability of heads and tails ), the chance of guessing correctly is 50 %, so you 'd expect half the guesses to be correct and half to be wrong. 

The probability of XXXX correct guesses out of XXXX is about 2.8 %, which means that if we do a large number of experiments flipping XXXX coins, about every XXXX experiments we can expect a score of XXXX or better, purely due to chance. 

But suppose this subject continues to guess about XXXX right out of a XXXX, so that after XXXX runs of XXXX tosses -- XXXX tosses in all, the subject has made XXXX correct guesses. The probability of that happening purely by chance is less than XXXX in XXXX XXXX. 
THAT 'S RIGHT ... THE ODDS OF XXXX OUT OF XXXX OR XXXX OUT OF XXXX IS XXXX IN XXXX XXXX!!! 

THE ODDS OF GOING XXXX FOR XXXX OR XXXX FOR XXXX LIKE THESE CRIMINALS??? XXXX ... NO CHANCE NOT EVEN A STATISTICAL CHANCE. 

THESE CRIMINALS WANT US TO THINK THEY SCORED XXXX OUT OF XXXX IN THEIR FAVOR BY ACCIDENT!!! THE ODDS OF THAT IS 0.0 %. IT IS MATHEMATICALLY IMPOSSIBLE TO SCORE 100 % ON AN EQUAL RISK EVENT LIKE INADVERTENT ERRORS. 
HERE IS JUST SOME OF THE FRAUD ~ OUR ORIGINAL HOUSE PAYMENT WAS NOT {$840.00}, IT WAS {$1000.00} AND THEY HID THIS FACT USING FRAUD. 
THEY FAILED TO FOLLOW THE 45 DAY RULE ON ACCOUNT DISCLOSURE NUMEROUS TIMES. 
OUR ESCROW ACCOUNT DID NOT HAVE A {$4500.00} SHORTAGE IN XXXX ... CRIMINAL FRAUD OUR REAL HOUSE PAYMENT WAS NOT XXXX IN XXXX AS DISCLOSED TO US ... CRIMINAL FRAUD. 
THEY WERE ILLEGALLY COLLECTING EXTRA PAYMENTS ... USING FRAUD ODDLY ENOUGH, THE ESCROW THEFT HAPPENED THE MONTH AFTER ONE OF THE BORROWERS DIED, SO THIS IS PROOF OF PREYING ON AN ELDERLY WIDOW USING FRAUD. YES ... THEY XXXX GRANDPA AND WANTED TO MAKE XXXX XXXX WHILE SHE WAXS GRIEVING ... .USING FRAUD AND DECEPTION. SCUM IS A COMPLIMENT TO THESE PEOPLE. 
THE HOUSE PAYMENT WAS NOT XXXX IN XXXX ... THIS WAS A SCARE TACTIC USING CRIMINAL FRAUD. 

THE CUSTOMER SERVICE NEVER ANSWERS OR RETURNS PHONE CALLS. MORE CRIMINAL AND CONSUMER FRAUD. 

THEY STOLE OUR MONEY, USED DECEPTION, FRAUD AND EXTORTION ... .OVER AND OVER AGAIN THIS IS AN INTRICATE, WELL PLANNED, RACKETEERING SCAM FOCUSED ON HOME THEFT WHILE DRFRAUDING THE US GOVERNMENT. 

THIS IS NOT ALL OF THE CRIMES SO PLEASE FINE THESE CRIMINALS AND TAKE AWAY THEIR LICENSE TO OPERATE FOREVER BEFORE WE HAVE MORE VICTIMS

Company response to consumer: Closed with explanation