Consumer complaint received 2017-03-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
XXXX ALREADY CONFIRMED THAT XXXX WERE MISLEAD ON THE TRUTH IN LENDING AND LOAN DISCLOSURE STATEMENTS. SHE UPLOADED COPIES OF THE INACCURATE AND FRAUDULENT LOAN DISCLOSURE DOCS ALREADY. 

XXXX |Nationstar Mortgage, Customer Relations Specialist - Customer Relations ... IS GUILTY OF CRIMINAL FRAUD ON XX/XX/2017 .. HE SAID " Please understand that Nationstar can not comment on the actions of XXXX. We have enclosed a copy of the HUD-1 Settlement Statement and Truth in Lending Disclosure Statement which are both signed by XXXX. " THIS IS A LIE ... XXXX PROVIDED A COPY OF THE FRAUDULENT HUD ... IT CLEARLY SHOWS AN ILLEGALLY DISCLOSED LOAN WITH LENDER REQUIRED ITEMS MISSING. THEY HAVE THE EVIDENCE AND PROOF AND THEY WERE STUPID ENOUGH TO BUY A LOAN THAT WAS NEVER VALID. NOT OUR ISSUE AND IT 'S THEIR PROBLEM TO PAY FOR ***PLEASE NOTE ... XXXX AT XXXX LIED TO FEDERAL INVESTIGATORS IN A PREVIOUS CFPB RESPONSE ... SHE IS CONTRADICTING HER OWN, PREVIOUS TESTIMONY*** SHE ALREADY PROVIDED EVIDENCE AND CONFIRMED THE CRIMES WE ALLEGE***THE DENIAL NOW IS A DESPERATE ATTEMPT TO MISLEAD FEDERAL INVESTIGATORS AND INTENTIONALLY DEFRAUD THE US GOVERNMENT. XXXX XXXX ALREADY CONFIRMED THAT XXXX WERE MISLEAD ON THE TRUTH IN LENDING AND LOAN DISCLOSURE STATEMENTS. SHE UPLOADED COPIES IF THE INACCURATE AND FRAUDULENT LOAN DISCLOSURE DOCS ALREADY. THIS LOAN DISCLOSURE FRAUD WAS ALSO CONFIRMED BY XXXX AT NATIONSTAR. 

THIS ELDERLY COUPLE WAS GIVEN THE WRONG MONTHLY PAYMENT AMOUNT. LENDER REQUIRED ITEMS WERE LEFT OFF THE HUD/TRUTH IN LENDING STATEMENT MAKING THE PAYMENT APPEAR TO BE A BETTER DEAL THAN IT WAS. THERE WERE ALSO OTHER LOAN DISCLOSURE ERRORS ON INSURANCE AND OTHER ITEMS. IT WAS NOT EVEN CLOSE TO LEGAL, VALID OR ACCURATE. 

XXXX CONFIRMED THEY WERE MISLED. MISLEADING A CONSUMER IS FRAUD. 

LOAN ORIGINATION FRAUD IS ILLEGAL, THE ERROR ON THE DOCUMENTS NEEDS TO BE CORRECTED AND ALL LOAN PAPERWORK NEEDS TO BE RE-GENERATED AND RE-SIGNED BY ALL PARTIES. IF THIS IS NOT DONE, THERE IS NO LOAN. THIS IS THE LAW. 

ESCROW FRAUD IS ILLEGAL. ESCROW THEFT IS ILLEGAL. XXXX / XXXX CONFIRMED BOTH OF THESE ACTS WRITING. 

XXXX SOLD A LOAN THAT WAS ALWAYS FRAUDULENT, NEVER VALID AND ALWAYS ILLEGAL. KNOWINGLY DOING THIS IS AN INTENTIONAL CRIMINAL ACT TO DEFRAUD THE U.S. GOVERNMENT ON AN FHA INSURED LOAN. 

IN ORDER FOR A PARTY TO DENY THE ACCUSATION, THEY MUST ALSO PROVIDE PROOF BACKING UP THEIR CLAIM AND IN THIS CASE, A LACK OF EVIDENCE WOULD BE NEEDED. 

IN THIS CASE, HOWEVER, XXXX PROVIDED PROOF OF THE CRIMES AND CONFIRMED THEM, BUT NOW, IN A BIZARRE DESPERATE MOVE, SHE DENIES THE ACTS SHE ALREADY CONFIRMED AND PROVIDED WRITTEN EVIDENCE OF. 

SHE IS NOW GUILTY OF A CRIME HERSELF NOW AND SHE RISKS PRISON TIME AND FINES BECAUSE THIS IS A GOVERNMENT RELATED INSTRUMENT AND INTENTIONAL CRIMINAL FRAUD. 

THIS LOAN WAS NEVER DISCLOSED PROPERLY, IT WAS NEVER VALID, IT WAS SOLD ILLEGALLY. 

NATIONSTAR NEEDS TO PRODUCE AN ACCURATE LOAN DISCLOSURE PACKET TO THE CFPB, WITH ALL SIGNATURES AND ACCURATE PAYMENT AMOUNTS ... AND IF NOT ... THEY NEED TO STOP ALL CLAIMS OF LEGALITY AND THEY NEED TO ACCEPT THE LOSS OF THIS ENTIRE LOAN AS REQUIRED BY LAW. 

PLEASE NOTE THAT THIS LOAN IS CURRENT, THIS IS NOT A DESPERATE ATTEMPT TO SAVE A HOME WE ARE LOSING OR ARE BEHIND ON IN PAYMENTS. THIS IS BASIC CONSUMER PROTECTION AND BASIC, FUNDAMENTAL JUSTICE. THESE CRIMINAL SCUMBAGS ARE STEALING HOMES, COMMITTING ILLEGAL ACTS ... KNOWINGLY ... .AND WILLINGLY.THEY ARE COLLECTING ON A CRIMINAL ACT, NOT A LOAN, AND WE SIMPLY WO N'T ACCEPT IT ... EVER. 

***MAKE NATIONSTAR PRODUCE AN ACCURATE AND COMPLETE LOAN PACKET WITH A HUD/ TRUTH IN LENDING FORM SIGNED BY ALL PARTIES**

Company response to consumer: Closed with explanation