Consumer complaint received 2015-03-25 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: NY

Complaint narrative:
I, XXXX XXXX residing at XXXX XXXX XXXX, XXXX, New York XXXX hereby states for the record with the Consumer Financial Protection Bureau that Nationstar Mortgage LLC and any predecessor as servicer to a mortgage attached to XXXX XXXX XXXX, XXXX, New York was handled abusively during a numerous modification processes. Nationstar Mortgage LLC has assigned a foreclosure process pertaining to a note and mortgage originally procured with XXXX XXXX Mortgage in XXXX with XXXX XXXX XXXX as master servicer to a New York XXXX law firm for foreclosure. 
There are several criteria established that proves that the entire transfer of the note and mortgage were fraudulent, along with an original foreclosure filing in XXXX where I was never personally served. The fact that it took nearly five ( 5 ) years after this initial filing for the legal entity to re-file the original complaint is highly suspect that the note and mortgage are not in any legitimate position to foreclose. 
I was approached by the mortgage servicer on at least XXXX XXXX XXXX XXXX occasions with a modification pre-trial arrangement, all of which resulted in a declination by the servicer. There was never a legitimate reason given for the modifications being declined. 
The collection processes were abusive at all levels against all Fair Debt Collection Practices Act guidelines to remedy a debt. 
The real estate meltdown highly affected my property valuation in XXXX through XXXX, all of which should have been taken into consideration during the modification process, mostly due to the fact that the ultimate responsibility to make the debt whole to investors would fall upon the taxpayers of the United States. Real estate securitizations have become an area that is under attack for using fraudulent means to an end for the American banking institutions. The original note was fractionalized whereas there are multiple owners located in several securitization trances. 
The note and mortgage were split on a level XXXX forensic on public record by MERS, and once again by XXXX XXXX XXXX Corporation as the note was positioned into XXXX XXXX XXXX XXXX several years after the securitization trust was closed in XXXX. 
I will take this matter to an administrative court to offset the foreclosure action in New York XXXX if deemed necessary. However, the letter attached to my submitted modification state on record that I am willing to re-modify the existing mortgage or sign a new mortgage if there is a considerably reduction in principal and interest rate. 
I also request that the Consumer Financial Protection Bureau to monitor the entire modification process that I have submitted to evaluate if Nationstar Mortgage LLC is operating within the amended FDCPA guidelines on modification/foreclosure workouts as of XXXX XXXX, XXXX. ( GUIDELINES ATTACHED )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation