Consumer complaint received 2016-12-07
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: NATIONSTAR MORTGAGE LLC (CA)

I received a mortgage through XXXX XXXX, XXXX. and then transferred to XXXX XXXX XXXX. XXXX on XXXX/XXXX/XXXX by XXXX stated on The Deed of Trust and Adjustable Rate Note, and M.E.R.S as the beneficiary under this security instrument. The Note and Deed have me with and Adjustable Rate Note ( MTA-Twelve-month interest - Payment caps ) with a Prepayment penalty amendment. The Prepayment Penalty Amendment on my Adjustable Rate Note has a forged signature. I have attached a side by side picture of the Deed and Note. The Deed states XXXX as the owner of the Deed and therefore XXXX and or XXXX do n't have the right to sell my house. The company that originated the loan, was charged with felony loan fraud and are all in prison. I was called as a witness for the Federal Governments Defender ; as one of my loans was in their evidence of fraud. I have seen another fraudulent signature personally, my best friend was charged in the same trial, her husband worked at the company. She asked me to look at a signature on my loan application file and it was n't mine, someone else had signed part of the loan application documents. I met my lender, through her ex-husband. He knew I was just widowed, with a baby. My husband was military and was XXXX and I had just gotten his life insurance. I feel I was taken advantage of. The bank stated that my last modification application was rejected for insufficient income. They admitted that they had made a mistake in that modification by miscalculating my income in their statement. Their new calculation was still inaccurate by thousands of dollars. My income in which I submitted proof of, from various government agency 's : The Veterans Affairs Department, The Dept. of Defense financial services, Social Security and others documents showing the receipt of my income of around {$6000.00} per month. I was told they were looking into it and would contact me. Shortly after they sold my house. I was not notified of the sale or the sale date of the XXXX of XXXX. I learnt from advertising mail of a list of actions against my house. My first notice from the bank on the sale of my house was the eviction notice. I never received the notice of sale that XXXX submitted, stating postponement to the XXXX of XXXX. It was n't posted on my house or sent certified like all the previous times. They would serve a notice of sale, then postpone it. They never mailed me about the postponement, I was always told over the phone. When modifications were denied due to lack of paperwork or a mistake, it would have to be redone and the long process would assume continue for years. You can see the pattern on the list of auction actions. The Bank then postponed it again on the XXXX and then sold it to themselves the same day. The legal name of company listed as the Plaintiff in this case, and XXXX Loans ending in XXXX is also listed on the roster of lenders that did fraudulent mortgages, the exact same name and year of my loan origination. The documents from the lender provides the year of loan origination, matching exactly the reference in the XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX had my loan after XXXX and then XXXX had it after that. They have been servicing my loan and using misleading actions to illegally sell my house to Deutsche Bank. My Deed of Trust stated my original loan amount as {$630000.00}, the amount alleged owed as to this action is over {>= $1,000,000}. I have suffered extreme emotional distress as to the constant fluctuating of security in my life, I take medication every day for extreme anxiety.I have a developmentally XXXX daughter and the fear of having to leave the only home she 's know has irrevocably and negatively affected my standard of living and ability to live a normal happy life.