Consumer complaint received 2016-07-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
PROVEN RACKETEERING, PROVEN LOAN ORIGINATION FRAUD, FAILURE TO FOLLOW THE TRUTH IN LENDING ACT, PREDATORY LENDING, INTENTIONALLY DEFRAUDING THE US GOVERNMENT NOTHING WAS INADVERTENT. EVERYTHING WAS INTENTIONAL ~ EVIDENCE ATTACHED EXHIBIT A ~ Evidence XXXX ~ PROOF THAT XXXX CLAIMS TO BE INNOCENT NO MATTER WHAT AND THEY HAVE NO BEARING OR RESPONSINBILITY, EVEN THOUGH THEY HANDLED ALL OF THE CASH AND MISLEAD US THROUGH FRAUD. Evidence XXXX ~ PROOF OF LOAN ORIGINATION FRAUD .. Evidence XXXX ~ PROOF OF ESCROW MISAPPROPRIATION AND EMBEZZLEMENT EXHIIBT B ~ Evidence XXXX ~ ILLEGAL LOAN TRANSFER WITH LATE NOTIFICATION, WE WERE UNABLE TO PAY, WE TRIED ON XXXX XXXX, AND WE HAD LATE FEES BY THE TIME NATIONSTAR MAILED A STATEMENT TO US. THIS LETTER IS DATED XXXX AND IT CAME XXXX CLASS FROM TEXAS. Evidence XXXX ~ ALTHOUGH IT SAYS WE ARE CURRENT ON OUR LOAN, WE HAVE A {$3000.00} ESCROW SHORTAGE AND THE PAYMENT SPIKES. Evidence XXXX NO ABA ( AFFIILATED BUSINESS AGEEMENT ) WAS DISCLOSED DURING THE LOAN TRANSFER. MAKING OUR TRANSFER TO THIS CRIMINAL SCAM THAT IS ALSO A CORRUPT MONOPOLY CALLED NATIONSTAR ILLEGAL EXHIBIT C ~ BY NOT MAILING MONTHLY STATEMENTS AND ALSO BY FABRICATING MYSTERY CHARGES NATIONSTAR IS ILLEGALLY STEALING PRINCIPAL PAYMENTS WITHOUT LEGAL CREDIT. 
EXHIBIT D ~ XXXX ~ PROOF OF ILLEGAL PRE-PAYMENT COLLECTION AND FORECLOSURE THREAT. WE WERE NEVER NOTIFIED ABOUT THE THEFT AS REQUIRED BY LAW, THE ONLY REASON WE KNOW TODAY IS BECAUSE THE CFPB FORCED THEM TO ANSWER. WITHOUT THE INVOLVEMENT OF THE CFPB THIS SCAM WOULD HAVE ROLLED OVER US LIKE A STEAMROLLER. OUR PAYMENT WAS {$840.00} A MONTH YET WE OWE ALMOST 4 MONTHS OF PAYMENTS IN 60 DAYS. THIS HAPPENS AGAIN OVER AND OVER. EVIDENCE XXXX ~ WITHOUT EXPLANATION OR NOTIFICATION WE ARE PAYING AN ADDITIONAL {$760.00} IN ESCROW FOR A {$1400.00} LOAN PAYMENT ... ALL BECAUSE THESE A**HOLES STOLE OUR ESCROW THE MONTH AFTER MY HUSBAND DIED. EVIDENCE XXXX ~ THEY NEVER TOLD US ABOUT THE MONEY LEAVING OR COMING BACK. THEY FAKED CUSTIMOER SERVICE AND THEN SOLD THE LOAN TO THE PEOPLE THAT FLUSH THEIR TROUBLED FILES FOR THEM. NATIONSTAR AND FREEDOM MORTGAGE ARE VERY CHUMMY, THEY ARE THE ONLY ONES THEY ANSWER THE PHONE FOR AND THEY ARE CRIMINALS. 
EXHIBIT XXXX ~ NATIONSTAR IS GUILTY OF CONSUMER FRAUD AND LOAN FRAUD. THEY KNEW WE ARE SUING THEM AND THEY CLAIMED OVER AND OVER AGAIN, ILLEGALLY, THAT XXXX IS THE OWNER OF THE LOAN. THIS CLAIM IS IN WRITING BUT EXHIBIT XXXX CLEARLY SHOWS NATIONSTAR IS THE OWNER AND THEY HAVE LIED TO US FOR OVER A YEAR. THEY TOLD US BEFORE THAT " XXXX OWNS THE LOAN ''. HONESTY IS XXXX. 
EXHINBIT XXXX XXXX I HAVE A NATIONSTAR SUBCONTRACTOR STATING, UNDER OATH, THAT HE HAS WITNESSED CRIMES AND IS WILLING TO TESTIFY IN ANY COURT IF NEEDED. ATTACHED IS PROOF OF A LISTING AGREEMENT HE HAD. 
EXHIBIT XXXX ~ MISUSE OF GOV RESOURCES, INTENTIONALLY DEFRAUDING THE US GOV, FAKE CUSTOMER SERVICE, FAKE RESOULTION, FAKE = FRAUD AND FAKE AND FRAUD ARE ALL WE SEE. 
EXHBIT I ~ XXXX 2016 XXXX IN RESPONSE TO OUR CFPB COMPLAINT WE GET AN ILLEGAL COLLECTION LETTER AND A REQUEST, YET AGAIN, FOR ILLEGAL PRE-PAYMENTS. NATIONSTAR AND XXXX BOTH FOLLOW THE SAME GAME PLAN. THEY MAKE INTENTIPNAL ERRORS AND HOPE THE CONSUME XXXX TOO STUPID OR TOO LAZY TO FIGHT BACK. WHEN PEOPLE ARE DOWN? XXXX XXXX. WHEN THERE IS A DEATH? THEY BECOME PREDATORY AND BREAK LAWS FIGURING THE WIDOW OR WIDOWER WILL DIE SOON ALSO. 
**A NATIONSTAR SUB SPEAKS**It has taking me a year to piece together this XXXX view from the inside all the way to the victim on the outside but here is how it works. If they can get the initial loan origination fraud past the consumer they have already created a racketeering scam that defrauds, embezzles, misleads and constantly abuses the consumer forever and it is all illegal, especially their math. The goal from day XXXX is to steal the home. Customer service is never the goal with these people. That " service '' part is a front

Company response to consumer: Closed with explanation