Please keep in mind that I am a XXXX, who is extremely knowledgeable about RESPA and other consumer credit/mortgage related matters/laws [ See, e.g., XXXX v. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX ), in which I was plaintiff 's counsel ] and have successfully litigated many such claims. The details of my saga are best explained in the attached documents, but the following is a very short summary : the servicing of the loan on my primary residence, which I 've had for 18 years, was transferred in or around XXXX XXXX from XXXX XXXX to Nationstar Mortgage. For the most part, everything went fine at the outset - I signed up for Nationstar 's auto-pay system by providing my banking account info., and the first few payments were made without a problem - and I have all kinds of documentation, screenshots, etc. to support this. 

After a few months, despite having plenty of money in my banking/payment account, I noticed via my online Nationstar account that my payments were being reversed - payments that were timely submitted and in full for the complete amount due. I inquired about this on countless occasions, sent countless Qualified Written Requests per RESPA ( via fax, email, online and 1st Class Certified USPS Mail ), detailed disputes and inquiries, etc. Some of my correspondence was acknowledged and responded to, and promises of correction were made. But I never received legally ( or otherwise ) adequate responses/explanations, no corrections were ever made and my most recent QWR - sent via Certified Mail, fax and email - on XXXX/XXXX/XXXX, wherein I detailed my situation at length, enclosed copies of many of the previous exchanges and offered to tender payment - was not responded to, despite having USPS Certified Mail Return Receipts, fax confirmations and email confirmations of receipt by Nationstar. 

Then recently ( XXXX-XX/XX/XXXX ) I began receiving inaccurate statements and notices re : alleged late/non-payments, etc. And to add insult to injury, today ( XXXX/XXXX/XXXX ) I received a letter ( dated XXXX/XXXX/XXXX ) from Nationstar informing me that my HAMP mortgage modification - FOR WHICH I NEVER APPLIED NOR REQUESTED, NOR WOULD I WANT OR SEEK - was approved! It also mentioned foreclosure of the property, yet I have received no notice of any foreclosure proceedings, publications, demands for payment ( from any law firm or third party ), etc. So not only is my account not in default whatsoever, but if they are pursuing foreclosure, they are certainly failing to comply with Georgia state statutes regarding foreclosure procedures, etc. 

In sum, Nationstar has been grossly negligent, if not acting intentionally, in the handling of my loan, my inquiries, disputes, etc. and has wholly and repeatedly failed to comply with numerous federal and state statutes - including, but not limited to, the Real Estate Settlement Procedures Act and Regulation X ( and CFPB rules ). As such, it owes me money for statutory damages, actual damages and attorney 's fees and needs to correct my account/loan info. ASAP! It should also not transmit any derogatory information to any credit reporting agency. 

Please see attached documents, which are just SOME of the many I have pertaining to this matter.