Consumer complaint received 11/15/2017 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (FL).
Issue: Trouble during payment process

Complaint: ***NATIONSTAR NOW DBA AS MR COOPER HAS NEVER, EVER ADDRESSED THE ISSUES THAT HAVE BEEN BROUGHT UP ... IN ADDITION ... NUMEROUS EMPLOYESS HAVE BROKEN THE LAW COVERING UP NUMEROUS CRIMINAL ACTS THAT ARE SHOCKING AND ILLEGAL TO US ... BUT DAILY PROFIT FOR THESE CRIMINAL XXXX**** TO SUMMARIZE ~ NATIONSTAR CONFIRMED LOAN FRAUD, ESCROW FRAUD, AND MISAPPROPRIATION OF FUNDS. THEIR ANSWER? LIE TO CONSUMER, ADD FEES ILLEGALLY THAT DON ; T EXIST, AND ATTEMPT A FORECLOSURE BEHIND THEIR BACK TO STEAL HOME AND TERRORIZE HELPLESS, UNEDUCATED VICTIMS. 

***NATIONSTAR IS TARGETING AND PREYING ON ELDERLY AND MINORITIES*** IN THE MOST RECENT CFPB REPLY, NOT ONLY DID THEY LIE AGAIN, THEY ALSO CHANGED A STORY AND FABRICATED A FLORIDA STATE LAW CHANGE THAT NEVER HAPPENED. 

XXXX XXXX, CUSTOMER RELATIONS MANAGER, REPEATED FEDERAL LAW TO ME IN XXXX XXXX ... THE LOAN ORIGINATOR HAD 30 DAYS TO PRODUCE A CORRECTED AND SIGNED LOAN DISCLOSURE PACKET ... OR THE LOAN WAS NULL AND VOID AND ANY ATTEMPTS TO COLLECT ARE VIOLATIONS OF FEDERAL LAW. WHILE WE WAITIED FOR THEM TO PRODUCE PAPERWORK WE KNEW DID N'T EXIST ... THE LEGAL TEAM DID THEIR ILLEGAL GAME OF LIE, CHEAT, AND STEAL ... NEVER FOLLOWING ANY OF THE FEDERAL LAWS EITHER. 

SPECIFIC VIOLATIONS AND WIRE FRAUD ... 
# 1 ) TAKING PAYMENTS ON THE PHONE, TELLING THE CONSUMER THEY ARE GOING TOWARDS PRINCIPAL AND INTEREST ... AND DIVERTING THEM WITHOUT THE CONSUMERS KNOWLEDGE. 
# 2 ) TELLING A CONSUMER THAT NO FORECLOSURE IS OCCURRING ON THE PHONE, WHILE A FULL FORECLOSURE IS ACTUALLY OCCURRING AND, WHEN NATIONSTAR DECIDES TO STEAL THE HOME, IT 'S TOO LATE FOR THE AVERAGE CONSUMER AND THEY ARE JUST ANOTHER CORPSE THEY DEVOURED. I HAVE DOCUMENTED THIS ON NUMEROUS OCCASIONS. THIS IS STANDARD OPERATING PROCEDURE. PEOPLE HAVE NO IDEA THEY ARE LOSING A HOME. 
# 3 ) AFTER FABRICATING FEES OR ADDING FEES LIKE ATTORNEYS THAT ARE NOT SUPPOSED TO BE INVOLVED, THEY STEAL PRINCIPAL, STEAL INTEREST BY STEALING THIS PRINCIPAL, AND KEEP WHAT WOULD BE AN UP T DATE HOMEOWNER IN CONSTANT DELINQUINCY WITH A CONSTANT THREAT OF FORECLOSURE # 4 ) STEALING {$1500.00} FROM A XXXX XXXX ESCROW ACCOUNT WITHIN DAYS OF HER HUSBAND 'S XXXX, MAKING IT APPEAR LIKE SHE CA N'T AFFORD THE HOME. 
# 5 ) ON THE RECENT RESPONSE, NATIONSTAR / XXXX XXXX ( THEY ARE FULL OF XXXX ... IT FITS ) FABRICATED A FLORIDA LAW CHANGE TO JUSTIFY THE ORIGIAL LOAN FABRICATION. SPECIFICALLY, WIND INSURANCE WAS ALWAYS ON THE HOME, IT WAS ALWAYS IN THE ESCROW, AND IT HAS BEEN MANDATED BY THE LENDER FOR DECADES ... AND THE ONLY PLACE IT DISAPPEARED FROM WAS THE LOAN DISCLOSURE PROCESS. NATIONSTAR/ MR COOPER DEFRAUDED THE CONSUMER FROM THE VERY FIRST MAILER . THEY NEVER COULD HAVE SAVED THEM A DIME AND THE LOAN WAS ALWAYS GOING TO COST THEM MORE MONEY. THE WORST PART??? GOING FROM AN HONEST LOAN SERVICER TO THESE CRIMINAL SCUMBAGS. THE MONEY IS ONLY A SMALL PART OF THE OVERALL LOSS. 
# 6 ) XXXX XXXX HAD A FULL BLOWN, CERTIFIABLE, NERVOUS BREAKDOWN BECAUSE OF THE DIRECT AND INTENTIONAL CRIMINAL ACTIONS OF XXXX XXXX, XXXX, NATIONSTAR AND NOW MR COOPER,  WITH SPECIFIC CRIMINAL ACTS BY XXXX XXXX, XXXX XXXX, XXXX XXXX AND OTHER EMPLOYEES I HAVE DOCUMENTED. 
# 7 ) XXXX XXXX AND XXXX XXXX DID ATTEMPT TO COMPLY, BUT THE CRIMINAL INTENTIONS OF XXXX XXXX AND THE MISSING PROFIT HE IS HIDING FROM SHAREHOLDERS, MAKES ALL OF THE MONETARY DECISIONS. STATE, LOCAL AND FEDERAL LAW DOES NOT EVEN REGISTER A BLIP ON THEIR RADAR.. 

NATIONSTAR HAS CONFIRMED LOAN ORIGINATION FRAUD AND THEY HAVE FAILED TO PRODUCE A CORRECTED, SIGNED, LOAN PACKET. THEY HAVE VIOLATED FEDERAL LAW NUMEROUS TIMES, AND IN NUMEORUS WAYS,  SINCE THAT TIME. 

NATIONSTAR/ MR COOPER HAS NEVER DENIED THE VIOLATIONS BUT THEY ALSO CREATED ANOTHER IMAGINARY LAW ON THIS TOPIC .... I CALL IT THE " OOOPS FACTOR LAW ''. ACCORDING TO THESE MENTAL MIDGETS, YOU CAN STEAL WHATEVER YOU WANT, LIE, EMBEZZLE, EXTORT AND TERRORIZE ... AS LONG AS YOU CALL IT AN INADVERTANT ERROR. THIS LAW NEVER EXISTED BUT WE DO HAVE THE REAL ESTATE SETTLEMENT AND PROCEDURES ACT WHICH, SPECIFICALLY, LEAVES ALL OF THE EMOTION OUT. 

NATIONSTAR / MR. COOPER HAS TO DO ONE THING UNDER RESPA ... SAME THING WE HAVE BEEN WAITING 2 YEARS FOR ... AND THAT IS TO PRODUCE THE CORRECTED, PROPER, SIGNED LOAN PACKET ... AND SIGNED CORRECTION FOR EVERY MISAPPROPRIATION ... WHICH EVERYONE KNOWS DOES N'T EXIST ... BECAUSE NONE OF THIS EXISTS ... THEY NOW HAVE TO STOP ALL COLLECTION EFFORTS AND REFUND ALL PAYMENTS THEY TOOK ILLEGALLY AND KNOWINGLY TOOK IN VIOLATION OF FEDERAL LAW. 

THE AVERAGE CONSUMER IS UNAWARE OF THE LAW ... I AM NOT THE AVERAGE CONSUMER AND I WANT THEIR XXXX PROSECUTED TO THE FULLEST EXTENT ... WHICH HOPEFULLY INCLUDES PRISON FOR THE COUNTLESS, INTENTIONAL CRIMINAL ACTS OF XXXX XXXX AND THE EXECUTIVE TEAM. 

IF NATIONSTAR/ MR COOPER FOLLOWS THE LAW ... ALL PROFITS WILL VANISH AND THE STOCK PRICE WILL CRASH .... XXXX XXXX XXXX HOLDING UP A HOUSE OF CARDS ... WITH CRIME ... .. SADLY ... THAT IS THE FACTUAL REPORT THIS WELL TRAINED XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX VETERAN ... HAS TO REPORT TO THE CFPB, SEC AND SHAREHOLDERS. NATIONSTAR IS A FRAUD .... XXXX XXXX KNOWS THIS .... THE SHAREHOLDERS ARE FULLY UNAWARE AND MISLED ... BIG TIME!!! 

LOOK AT THE CRIME IN THIS ONE ACCOUNT ... THOUSANDS OF DOLLARS STOLEN, OVER AND OVER ... AND A HOME THEFT ALSO THAT WE THANKFULLY AVOIDED ... BUT ONLY BECAUSE I WAS SMART ENOUGH TO COPY THE CFPB.

Company response to consumer: Closed with explanation