Consumer complaint received 12/16/2017 about Debt collection (Mortgage debt) with NATIONSTAR MORTGAGE (VA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This complaint is against XXXX XXXX XXXX, XXXX ( XXXX ) for misrepresentation, fraudulent and forgery relevant to illegal collection activity on behalf of XXXX XXXX  XXXX ( Nationstar ) a/k/a Mr. Cooper ). This form did not have the specific category of complaint for me to select, therefore I selected debt collection for debt that I do not owe. In actuality, I do not owe this debt to XXXX XXXX XXXX XXXX ( XXXX XXXX ) as Trustee for XXXX XXXX XXXX XXXX XXXX as falsely stated by XXXX XXXX XXXX XXXX XXXX on behalf of Nationstar. 

In XX/XX/XXXX XXXX wrote me attempting to collection on an alleged outstanding mortgage debt. They claimed that the debt belongs to XXXX XXXX XXXX. I disputed the debt as I had disputed it over the years with the alleged servicer, Nationstar. I provided XXXX evidence showing that the mortgage note and loan application were fabricated and forged, but XXXX continued with illegal collection activity against me for the alleged debt. 

On XX/XX/XXXX, I went to see what XXXX alleged was the original mortgage note and at that time met with XXXX XXXX ( Loss Mitigation Supervisor ). I informed XXXX XXXX that the signature on that note was not mine and was forged. Again on XX/XX/XXXX, I went to review the note with my husband and daughter. We met with XXXX XXXX and XXXX XXXX ( Partner ) and while reviewing the signature the ink of the signature smudged/smeared. I told XXXX XXXX and XXXX XXXX that this note was obviously forged because the signature written with a ballpoint pen almost 12 years ago would not smudge. Neither XXXX XXXX nor XXXX XXXX responded to my accusation. I therefore believe that the note was forged/created just before our arrival to review it by XXXX XXXX and XXXX XXXX. 

I immediately filed a forgery complaint against XXXX and Nationstar with the XXXX XXXX Police Department ( XXXX ) stating that XXXX forged the document to facilitate collection on behalf of Nationstar and XXXX XXXX. Despite my repeated communications alerting them to the smudging of the forged note and the criminal complaint I filed against them, XXXX moved forward with foreclosure on XX/XX/XXXX through their counterpart XXXX XXXX, XXXX. In addition to disregarding my letters disputing the legitimacy of the debt and mortgage documents, I had also rescinded the loan on XX/XX/XXXX and XXXX XXXX al still ignored the rescission, which violated the law. In order to save my home, I was forced to file bankruptcy and this has had a detrimental impact on my credit and financial status. 

I again filed a 2nd rescission ( reminder ) on XX/XX/XXXX and once again XXXX and its clients/agents ignored the rescission. After my debts were discharged in bankruptcy, XXXX again persisted in its misrepresentation and illegal collection activities by scheduling another foreclosure on XX/XX/XXXX. I therefore filed a complaint with CFPB around this time period and filed a civil complaint XXXX ( attached ) with the Circuit Court of XXXX XXXX County. XXXX did cancel that foreclosure but its illegal activity with Nationstar and XXXX XXXX has damaged my credit, violated my rights and defamed my property and reputation. 

XXXX ( and their lawyer XXXX XXXX XXXX and XXXX XXXX ) misrepresentation and fraudulent activities violates forgery law, Consumer Fraud and Deceptive Business Practices Act, Fair Debt Collection Practices Act, Fraudulent Misrepresentation and Defamation. The attached copy of civil complaint has specific details related to the violations committed by XXXX et al. 

XXXX ( and others ) deliberately and fraudulent fabricated false mortgage documents to facilitate illegal debt collection on behalf of Nationstar despite all the valid evidence I gave them disputing the debt. 

I therefore ask that CFPB refer this complaint to the Virginia State Bar and any other  regulatory/disciplinary entity responsible for handling complaints against law firms and attorneys practicing law.

Company response to consumer: Closed with explanation