Consumer complaint received 2018-08-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
, ***PLEASE NOTE THAT THEY ADMIT VIOLATION AFTER VIOLATION AND FRAUD AFTER FRAUD WITH NO EFFORT TO CORRECT IT IT IS A CRIMINAL CONSPIRACY AND IT INCLUDES SELLING HOMES THEY NEVER LEGALLY OWNED .. DEFINITELY AN OVERT ACT ... AND IT, MEETS THE THREE TIER TEST ~ " illegal agreement, criminal intent, and proof of an overt act. '' ~**** 923. 18 U.S.C. 371Conspiracy to Defraud the United States The general conspiracy statute, 18 U.S.C. 371, creates an offense " [ i ] f two or more persons conspire either to commit any offense against the United States, or to defraud the United States, or any agency thereof in any manner or for any purpose. ( emphasis added ). See Project, Tenth Annual Survey of White Collar Crime, 32 Am. Crim. L. Rev. 137, 379-406 ( 1995 ) ( generally discussing 371 ).

The operative language is the so-called " defraud clause, '' that prohibits conspiracies to defraud the United States. This clause creates a separate offense from the " offense clause '' in Section 371. Both offenses require the traditional elements of Section 371 conspiracy, including an illegal agreement, criminal intent, and proof of an overt act. ******ATTACHED IS THEIR RESPONSE PROVING THEY STOLE 2 HOUSE PAYMENTS IN DIRECT VIOLATION OF " Please note that Under the Covenants section on page three ( 3 ) of your Mortgage, it states that all payments accepted and applied by Lender shall be applied in the following order of priority : ( a ) interest due under the Note ; ( b ) principal due under the Note '' ALSO.. WIRE FRAUD BECAUSE THEY VERBALLY TOLD US ONE THING AND DIVERTED THE FUNDS WITHOUT PROPER CREDIT FOR PRICIPAL BY APPLYING AT A LATER DATE*** ***PLEASE NOTE NATIONSTAR/MR COOPER STOLE OUR XX/XX/2018 PAYMENT AND NEVERR ADDRESSED IT ***NATIONSTAR NEVER DELIVERED PROPER LOAN ORIGINATION DOCS LOAN ADVERTISING, DISCLOSURE AND ORIGINATION WERE ALL INTENTIONALLY MISLEADING AND FRAUD*** NATIONSTAR NEVER DELIVERED CORRECTED LOAN ORIGINATION DOCS*** COUNTLESS COUNTS OF MAIL FRAUD*** AND PEOPLE LIKE XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX THAT HAVE CHOSEN TO COMMIT ILLEGAL ACTS KNOWINGLY , WILLINGLY AND COLLECTIVELY XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, ***CONSPIRACY TO DEFRAUD A U.S. FINANCIAL INSTITUTION*** , ***DEFRAUDING A U.S. FINANCIAL INSTITUTION***, ELDERLY FRAUD/PREDATORY LENDING, SYSTEMATIC CONSUMER FRAUD, CRIMINAL THEFT, WIRE FRAUD,, MAIL FRAUD. CONSPIRACY TO DEFRAUD A U.S. FINANCIAL INSTITUTION, DEFRAUDING A U.S. FINANCIAL INSTITUTION I HAVE DOCUMENTED XXXX XXXX AND STAFF STEALING AND RE-SELLING HOMES THEY DO NOT OWN. THEY WORK TOGETHER IN A GROUP ON THESE CRIMES AND LOCK ARMS TO COVER ILLEGAL ACTS SO IT ALSO QUALIFIES AS CONSPIRACY. THEY HAVE BEEN INTENTIONALLY DEFRAUDING THE FEDERAL HOUSING ADMINISTRATION AND THE INSURANCE COMPANIES THAT COVERS PRIMARY MORTGAGE INSUTRANCE ELDERLY FRAUD/PREDATORY LENDING~ I HAVE DOCUMENTED XXXX XXXX AND STAFF MAILING TO AND WRITING FRAUDLENT LOANS TO ELDERLY CONSUMERS. THEY HAVE ALSO BEEN ORIGINATING LOANS WITH FALSE LOAN DOCUMENTS, THEY FAIL TO PROVIDE ACCURATE CORRECTIONS AS REQUIRED BY LAW, AND THEY PREY ON ELDERLY PEOPLE. WHEN CONFRONTED ON A RECENT CASE OF PREDATORY LENDING/ATTEMPTED HOME THEFT THE ANSWER FROM XXXX XXXX WAS, AND I QUOTE THE XXXX  YEAR OLD COUPLE " SHOULD HAVE KNOWN '' THEY SIGNED A FALSE AND MISLEADING LOAN DISCLOSURE SYSTEMATIC CONSUMER FRAUD ~ I HAVE DOCUMENTED XXXX XXXX INSTRUCTING THE STAFF TO ADD ILLEGAL UNEXPLAINED FEES TO A LOAN. I HAVE DOCUMENTED MULTIPLE CASES OF XXXX XXXX  AND STAFF TELLING CONSUMERS THEY WERE NOT BEING FORECLOSED UPON, WHEN IN REALITY THEY WERE USING WIRE FRAUD AND DECEPTION TO STEAL THE HOMES. CRIMINAL THEFT ~ I HAVE DOCUMENTED XXXX XXXX  AND STAFF STEALING MULTIPLE HOUSE PAYMENTS FROM CONSUMERS WITHOUT THEIR CONSENT, I HAVE DOCUMENTED THOUSANDS IN ESCROW THEFT, I HAVE DOCUMENTED FRAUDULENT ESCROW DISCLOSURES AND RE-EVALUATIONS WHILE ALSO USING OUR NEXT COMPLAINT WIRE FRAUD XXXX XXXX AND STAFF ROUTINELY LIES TO PEOPLE ON THE PHONE, THEY CALCULATE PAYMENT AMOUNTS, COLLECT IT FROM THE CONSUMER, AND THEN THEY APPLY THE FUNDS IN A COMPLETELY DIFFEFRENT MANNER LEAVING THE CONFUSED HOMEOWNER BEHIND ON PAYMENTS. THIS CONSPIRACY TO COMMIT WIRE FRAUD IS EVERYWHERE IN THE XXXX XXXX LED ORGANIZATION. I HAVE DOCUMENTED MULTIPLE CASES. MAIL FRAUD XXXX XXXX AND STAFF ROUTINELY AND CONSISTENTLY SEND OUT FALSE AND MISLEADING PAYMENT REQUESTS. MULTIPLE COUNTS AND SYSTEMATIC, INTENTIONAL WE WILL BE TAKING XXXX XXXX  AND STAFF INTO COURT IF THIS IS NOT RESOLVED ON THIS ATTEMPT, THEY WILL ALL BE RECEIVING PRE-TRIAL QUESTIONAIRES NEXT WEEK. AND WE WILL BE SEEKING DAMAGES BEYOND WHAT IS MENTIONED HERE. THESE ACTS I HAVE DOCUMENTED ARE CRIMINAL, INTENTIONAL, AND SYSTEMATIC XXXX XXXX HAS TO FEED A COMPANY THAT RELIES ON FORECLOSURES, CONSUMERS ARE PAYING THEIR BILLS. SO THIS GROUP HAS RESORTED TO MULTIPLE LEVELS OF CRIME TO STEAL FROM HONEST CONSUMERS SO THEY CAN FAKE A PROFIT. IF THIS COMPANY WAS PLAYING BY THE RULES PROFIT WOULD BE XXXX  AND I SUSPECT IT MAY BE A LOSS. CRIME IS THEIR BUSINESS AT THE MOMENT.

******NATIONSTAR CONFIRMED LOAN FRUD , ESCROW FRAUD AND THEFT OF PAYMENTS*** NATIONSTAR STOLE XX/XX/XXXX AND NEVER RETURNED IT*** NATIONSTAR REFUSES TO RELEASE TAPES OF THEIR FRAUD BUT WE HAVE IT ON PAPER/ EMAIL AND FROM TITLE 365, THEIR TITLE COMPANY*** PROOF OF THEFT/WIREFRAUD ~ XXXX XXXX ~ " Our records reflect that on XX/XX/XXXX, you contacted us and processed a payment in the amount of {$2800.00}, which completed the XX/XX/XXXX, and XX/XX/XXXX payments. The remaining {$930.00} was applied to late fees in the amount of {$610.00} and {$320.00} was applied to corporate advances. We reversed the {$930.00} on XX/XX/XXXX, from late fees and corporate advance fees and applied it to the XX/XX/XXXX payment as intended, making the account next due for XX/XX/XXXX.

Also note that a payment was received on XX/XX/XXXX, in the amount of {$2800.00}. This amount satisfied the XX/XX/XXXX payment of {$930.00}, and theXX/XX/XXXX payment of {$930.00}. Of the remaining {$930.00}, {$610.00} was applied to late fees and {$320.00} was applied to corporate advance fees. However, on XX/XX/XXXX, we reversed the funds totaling {$930.00}, and applied those funds to theXX/XX/XXXX, payment to bring the account due for XX/XX/XXXX. ''

Company response to consumer: Closed with explanation