NATIONSTAR MORTGAGE LLC CFPB Complaints

• Debt collection
• Other debt

• Attempts to collect debt not owed
• Debt was already discharged in bankruptcy and is no longer owed

• CA
• 95391

XXXX XXXX & XXXX XXXX AND DOES 1 THROUGH 10, INCLUSIVE Defendant ( s ). ) ) ) ) ) ) ) ) ) ) ) ) ) ) ) ) ) ) ) ) Case No : : XXXX COURT RECORD FROM XXXX XXXX XXXX IN AN AFFIDAVIT OF TRUTH FROM PROCEEDING ON XX/XX/XXXX. XXXX XXXX, XXXX MOTION FOR SUMMARY JUDGMENT FOLLOWING ILLEGAL FORECLOSURE SALE VIOLATING 12 USC 3707, SENT CERTIFIED MAIL, ALSO VIOLATIONS OF CALIFORNIA CIVIL CODE SECTION 2923.5/AND 2923.55 ( C ), PLAINTIFFS HAVE NO STANDING SINCE THERE IS NO CONTRACT OR MORTGAGE BETWEEN THEM OR ANY OTHER PARTY REGARDING XXXX PROPERTY, BY JUDGE XXXX XXXX XXXX DATE : XX/XX/XXXX TIME : XXXX DEPT:17 Complaint filed XX/XX/XXXX ) AFFIDAVIT OF TRUTH DECLARATION OF XXXX XXXX XXXX I , XXXX XXXX XXXX, declare and affirm and state as follows, I live on XXXX XXXX County, on California XXXX United States of America . XXXX participated in a court on the XXXX of XX/XX/XXXXas a live man special appearance, going into the court XXXX reserved all of their XXXX rights given, civil rights, common law rights, and constitutional protections, without prejudice UCC 1-308. They also invoked common law jurisdiction, the jurisdiction of the republic and did not give consent to solely be tried under law, but brought in law of equity since it, common law is supposed to have parity along side codes and statutes. Other then showing many corresponding prima fascia evidence proving fraud is taking place in the court, XXXX argument was about without prejudice UCC 1-308, and UCC at 1-103.6, the reservation of rights and the Blending of Law with Equity, since the auction sale on page two of XXXX XXXX XXXX XXXX exhibit 6 NOTICE OF TRUSTEES SALE, paragraph two explains that a lien ( interest ) is being sold and not the subject matter property, since the legal claim and complaint being put forth are that at the foreclosure sale of the house was being purchased which Judge XXXX did not want to get into, which is the center of the matter ; XXXX found this prejudicial to XXXX XXXX, XXXX XXXX Since, the interest of what was sold was not being defined, and XXXX XXXX, XXXX from there fraudulent manufactured were asked to come up with a contract with XXXX, and it could not be produced, or they just ignored XXXX. XXXX had also sent letters back to each party certified when XXXX were given notice ( XXXX EXHIBITS 9 ), since XXXX had not MORTGAGE on their property, each letter as far back when the default was recorded as far back as XX/XX/XXXX, none of the letters requesting validation of the alleged debt, or disputing the debt were ever responded to by any of the parties NATIONSTAR MORTGAGE, LLC/INC., or XXXX XXXX, XXXX, XXXXXX/XX/XXXX, or XXXX XXXX, and there were multiple letters sent to each. This proved that there were multiple violations invalidating the Alleged foreclosure sale and the interest that XXXX XXXX, XXXX is claiming to have purchased by credit bid, which is not lawful money. XXXX again found this prejudicial since they have no contract or agreement with NATIONSTAR MORTGAGE, LLC/INC., or XXXX XXXX, XXXX, XX/XX/XXXX, or XXXX XXXX XXXX, asked in court if such a contract exists please bring it forth, and no such contract was produced, and they judge just went on ignoring that XXXX asked for the single most important document, that XXXX XXXX XXXX does not have. Then, XXXX, as HOLDER OF THE WET INK NOTE, produced the NOTE ( XXXX EXHIBITS 1 ), and explained the payment mechanism of their home purchase ( XXXX EXHIBIT2 ), that they are in possession of and HOLDERS IN DUE COURSE OF the WET INK NOTE, so the DEED OF TRUST, that was just shown, is null an void and fraud was being put on the face of the court by XXXX XXXX, XXXX and Attorney XXXX XXXX. XXXX then remarked that they are not aware that they have any current debts, XXXX referred Judge XXXX XXXX XXXX to ( XXXX EXHIBITS 10 ) in where it shows that a debt search was performed for XXXX XXXX on the UCC database XX/XX/XXXX at XXXX that pulled data from the UCC database dating back to XX/XX/XXXX that showed no judgments to validate the alleged default, or that would have shown a mortgage for XXXX if one existed. It showed that no mortgage was ever taken out by XXXX, also that no current judgment against XXXX is present from a search of this database going back to before any fraudulent security was signed on XX/XX/XXXX or XX/XX/XXXX. Next, in ( XXXX EXHIBIT 10 ) a debt search was performed for XXXX XXXX on XX/XX/XXXX at XXXX that showed no judgment to validate the alleged default, and no mortgage showed up for XXXX. It showed that no mortgage was ever taken out and that no current judgment against XXXX are present from a search of this database going back to before any fraudulent security was signed XX/XX/XXXXor XX/XX/XXXX. These UCC searches are accompanied by a certificate of authenticity of XXXX XXXX Secretary of State, signed and sealedXX/XX/XXXX. This was all mentioned to Judge XXXX XXXX XXXX. Judge XXXX XXXX XXXX failed to recognize that at this point, XXXX produced a fatal piece of evidence, invalidating the claim of XXXX XXXX, XXXX since it was apparent at this time they lacked standing and had purchased interest that was undefined, and did not consist of any lien owned at any time by NATIONSTAR MORTGAGE, LLC. And, since XXXX had no debt, the lien purchased could not be theirs, it was fraud. XXXX provided a redacted Birth Certificate proving they are the beneficiaries of this case, and trust.XXXX provided documents showing they are the owners of the names XXXX XXXX XXXX and XXXX XXXX XXXX, and all name derivatives as recorded in ( XXXX EXHIBITS 10 ) XXXX XXXX County Records and the UCC. XXXX mentioned to Judge XXXX XXXX XXXX, that they have common law copyrights on their names as contained in ( XXXX EXHIBITS 12 ), there are two there. XXXX mentioned that XXXX XXXX, XXXX and there principals are Judgment debtors to XXXX and have violated XXXX, COMMON LAW COPYRIGHTS, in an amount of one invoice of {>= $1,000,000} sent to the certified dated XX/XX/XXXX, received XX/XX/XXXX in XXXX at XXXX. The second notice for invoices of {>= $1,000,000} was dated XX/XX/XXXX and was sent certified XX/XX/XXXX, these were in response to their illegal postings and mail fraud committed on XXXX. Letters and Invoices sent to XXXX XXXX, XXXX can be seen as ( XXXX EXHIBITS 3 ). XXXX made the point to XXXX XXXX XXXX XXXX, that XXXX XXXX, XXXX and its principals are judgment debtors to XXXX already with a perfected commercial judgment, and can not get a judgment on XXXX or an enforceable Unlawful Detainer since they XXXX XXXX XXXX are Judgment Debtors to XXXX. XXXX also pointed out to Judge XXXX XXXX XXXX, that they had provided documents of a redacted UCC showing the nature of their interest as the Paramount Interest Holder in THE NOTE, since they are holder in possession of the WET IN NOTE.XXXX further produced documentation of ( XXXX EXHIBITS 10 ), a certified document that shows as listed on the UCC DATABASE, XXXX are the owner of the property at XXXX XXXX XXXX, XXXX XXXX, CA XXXX. XXXX also explained to Judge XXXX XXXX XXXX, that a redacted UCC page is located in ( XXXX EXHIBITS 22 ) illustrating XXXX lien position on the property located at XXXX XXXX XXXX, XXXX XXXX, CA XXXX, they are the paramount interest holder in the property with beneficial interest, equitable interest and legal interest and underlying interest as the original purchaser, and the house is being held in the XXXX FAMILY TRUST private for XXXX benefit, all recorded on UCC since XX/XX/XXXXwith updates. XXXX even remarked to Judge XXXX XXXX XXXX, that they were forced into filing a bankruptcy that listed all parties claiming any mortgage interest in the subject property, and that this issue has already been decided at a higher jurisdiction in XXXX XXXX, by a Federal Judge when each party claiming interest in the property located at XXXX XXXX XXXX, XXXX XXXX, CA XXXX. It was apparent from this that all the recordations done by XXXX XXXX, XXXX in the county record were done fraudulently by XXXX XXXX XXXX, since they lacked standing to pursue these and they are in clear violation of GOVERNMENT CODE SECTIONS XXXX ; The False Claims Act.XXXX explained At this time Judge XXXX XXXX XXXX started trying to help the Attorney, by mentioning from the XXXX lengthly unlawful detainer rebuttal paperwork and exhibits that the Appeals court mentioned that no amended complaint was filed in an original case file. XXXX responded by saying that a motion was filed for a 20-60 day leave to amend the complaint but it was procedurally denied. Judge XXXX XXXX XXXX then mentioned in XXXX exhibits of the county recorder files that there were several judgments listed under XXXX. XXXX responded that all of the judgments you see in the county recorder files have been paid through the court, XXXX are secured party creditors, they have each been paid through the county comptroller. XXXX are current will all property taxes paying them themselves and have the documentations. XXXX also cary their own property insurance on their home. So, there are no judgments to enforce the default, and XXXX illustrated this in their ( XXXX EXHIBITS 10 ). XXXX required the contract be brought forth, No Alleged contract was or has been brought forth by Attorney XXXX, since there is no contract or agreement present between XXXX and any party, XXXX claim that XXXX XXXX XXXX has no standing to pursue this matter and it should be dismissed with prejudice, and that Judge should correct this issue by giving XXXX a Quiet Title to the said property, and have the Sheriff produce a new Sheriffs Deed.. The presumption that the lien that XXXX XXXX, XXXX is void and invalid, leading to the presumption that the unlawful detainer action has no legal basis or grounds to move forward, and is being orchestrated fraudulently with fraudulently created and recorded documents in the county records by XXXX XXXX XXXX of XXXX XXXX, XXXX. XXXX mentioned the XXXX XXXX case v. XXXX ( XXXX ) and XXXX v. XXXX, about law blended with equity. From Paragraph 2, NOTICE TO POTENTIAL BIDDERS, where it clearly states that a lien is being auctioned not the property. XXXX then brought up that according to UCC 1-103.6 it states that THE CODE IS COMPLIMENTARY TO THE COMMON LAW, a reservation of rights was also made under ICC XXXX. XXXX mentioned that UCC 1-103.6 states that, The Code can not be read to preclude a Common Law Action.XXXX. XXXX illustrated this with a Senate document from the XXXX CONGRESS, DOCUMENT XXXX, SESSION XXXX, Congress in XXXX, CONTRACTS PAYABLE IN GOLD, and brought up this point since the document speaks to liens and interest, where on page 13 he read a quote, The ultimate ownership of all property is in the State ; individual so-called ownership is only by virtue of Government, i.e. law, amounting to mere, user ; and use must be in accordance with law, and subordinate to the necessities of the State., from this excerpt XXXX XXXX explained that even the deed of trust, if it were valid is invalidated by this excerpt in that we only have liens on the contractual air space within housing. This this bolsters XXXX equity argument since he has beneficial interest, legal interest, and equitable and underlying interest of the original transaction purchase of the house, and has made improvements to the property. XXXX then pointed the judge to the ( XXXX EXHIBITS 22 ) in that XXXX XXXX compiled a listing of his financial interest in the property at XXXX XXXX XXXX, XXXX XXXX, CA XXXX ( XXXX EXHIBIT 22 ) that shows that they are the paramount interest holder of the subject property and already have a lien on the property with a large amount prior to XXXX, XXXX, XXXX XXXX XXXX then asked the judge if he insists proceeding with the case, he has made a legal determination that sections 1-308 and 1-103 of the UCC, which if the system of law that he is operating under, are they not valid law before the court. Then he just went back to as a matter of law. XXXX XXXX mentioned that he had filed multiple complaints with the CFPB, Governor, Attorney General, and Secretary of State, and DA and Sherriff and IRS, in a complaint format. We purchased a home from XXXX and XXXX XXXX and signed what has been revealed to us as a fraudulent security document first in XXXX then on XX/XX/XXXX. The NOTE that we signed was immediately monetized in XX/XX/XXXXnullifying any DEED OF TRUST or alleged mortgage, paying off the house. We had been paying out of reliance on this fraudulent security since our move in date on XXXX. It was not until recently that we filed multiple rescission ( 12 CFR 226.3 gives the right to rescind ) in XXXXXX/XX/XXXXtime frame and learned more about the transaction from a retired Wall Street banker and attorney that we hired to do a loan investigation clarifying the process around XXXX time frame. By filing the rescission letters in our paperwork we discussed the holding of the Supreme Court XXXX v. XXXX and how it nullifies the DEED OF TRUST, the document that is used to foreclose, thus with no deed of trust the unlawful detainer and fraudulent foreclosure sale is nullified..This documentation was back by ( XXXX EXHIBIT 5 ). XXXX also showed their NOTE which is their document of ownership and a CERTIFIED STAMPED DEED. All XXXX XXXX XXXX showed was copied documents from the county records. Everything was manufactured, and not original signatures and none embossed with authentic seals. XXXX objected to the evidence that it was false, fraudulent and manufactured, to the Judge XXXX XXXX XXXX. Attorney XXXX just said his paper perfecting the sale was in order. XXXX also had mentioned they hired a hand writing expert and XXXX XXXX to analyze many documents that were behind this agreement that were never disclosed to us. XXXX asked the judge if he understood about IRC XXXX Trusts involving IRC XXXX, and he has no knowledge of such things. XXXX then again made a jurisdiction argument that was not received well. One in particular XXXX spoke about a document that was used on this most recent foreclosure the THE CORPORATE ASSIGNEMENT OF DEED OF TRUST, that nullifys this current action. It was determined as being fraudulent and a manufactured document by hand writing expert XXXX XXXX, this document was brought forth in court on the XXXX for Judge XXXX XXXX to inspect. This one document nullifies the alleged forclosure as far as the ulawful detainer being based off of a fraudulent assignment since this case involved a IRC XXXX tax free IRS trust that was then fraudulently nullified in XXXX. And is a fraudulent document from expert testimony, and an invalid assignment because of the nature of the static trust it was in. Again, multiple documents that were sent our refuting any and all notices from Title 365, XXXX XXXX XXXX, and XXXX XXXX, XXXX. XXXX were sent out disputing the debt and asking for validation of the alleged debt as per 12 USC 3707 and none of the notices were responded to ( XXXX EXHIBITS 3 ). Also, XXXX mentioned that they were not contacted as per California Civil Code Section 2923.5/and 2923.55 ( C ) invalidating the chain of title of the foreclosure and this unlawful detainer action. XXXX explained that Nationstar, Title 365, XXXX XXXX XXXX recycled some paperwork from the county records from XXXX, and XXXX were never contacted for any loan counseling were it would have been determined that they did not have a loan. XXXX objected to Attorney XXXX XXXX XXXX abusing the legal process, since XXXX had already met the burden of proof for a jury trial in the XXXX Court with their exhibits and were scheduled for a JURY Trial, with Jury selection on the XXXX. XXXX also was filing fraudulent manufactured documents, while XXXX object, and XXXX filed rebuttals to all of the fraudulent documents that were not timely filed with XXXX for a proper response, some proof of services not signed by XXXX or with the incorrect plaintiffs name on the paperwork, and most all documents of XXXX XXXX, XXXX, lacking affidavits and declarations that they were authentic. Judge XXXX XXXX XXXX did not want to get into any of XXXX point by point rebuttal of affidavits, declarations or presentments of evidence by XXXX. XXXX brought up other evidence of their filings with the Consumer Financial Protection Bureau ( XXXX EXHIBITS 8 ), and he did not want to talk about any of the multiple letters sent to the XXXX XXXX XXXX DA, the California Attorney General, the California Secretary of State, or Sherriff of XXXX XXXX County XXXX XXXX putting them notice about the fraud with proof of the fraud. XXXX have contacted the FBI about this and filed a report and other Federal oversite has been contacted. XXXX reserved their rights without prejudice UCC 1-308, and other rights at without prejudice ICC 1-308, the commencement of this action and explained to the Court that they lacked jurisdiction in this matter ( XXXX v. XXXX ) in mentioned in XXXX paperwork, since the case has already been presided on by a Federal Judge as far as the interest in the property and NATIONSTAR MORTGAGE, LLC /INC was listed in XXXX bankruptcy ( XXXX EXHIBIT 9, back page ) and they failed to provide any proof of claim and were discharge without claim XX/XX/XXXX several years before any default judgment was filed against XXXX, or that XXXX were notified of. XXXX were not given a time to cross examine any witnesses that offered testimony or declarations or affidavits. XXXX proved from ( XXXX XXXX, XXXX EXHIBIT 6 ), that the house was not purchased ; but what was designated as an interest sale was some type of lien, but was not defined. XXXX brought up that XXXX XXXX XXXX had no standing because no contract or agreement existed between the parties. XXXX got cut off right before they were going to move the court because of XXXX XXXX, XXXX lack of standing to dismiss the matter. Recently it has been disclosed to us that we are a 3rd party beneficiaries to many of the documents that were not disclosed to us like the prospectus and the pooling in service agreements of the side running financial investment without our knowledge as part of Wall Street scheme, all nullifying any contract, for failure to disclose. We know now that there was never a valid deed of trust in place that was lawful to compel our payment, or to foreclose, and most of all of the reliance was done through mail fraud by XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX, XXXX. Nationstar Mortgage, inc./LLC whom we never have had any agreement with ( XXXX ). XXXX brought up in court that in XXXX credit reports Nationstar Mortgage had reported on XXXX credit report, that before the alleged foreclosure sale XXXX balance was at {$0.00} in a paid off status as far as 3 years prior with Nationstar. So there were no monies owed to foreclose on as per NATIONSTAR, since they reported as such after it was determined a fraudulent security.The Judge XXXX then tried to help counsel XXXX by saying the records of the county showed judgments, XXXX explained that each was for court fees that were paid by XXXX to the court, no evidence was brought forth to refute XXXX claims. Judge XXXX then started to dig in the appeal record, questioning why the complaint was not amended. XXXX XXXX replyed that he filed a 20 -60 day leave to amend the complaint but it was procedurally denied by judge XXXX in the prior case. The case by its own merits has been moved to the US SUPREME COURT from starting back in XX/XX/XXXXtill now. This whole time XXXX claiming standing as secured party creditors since they have filed their UCC-1 and other filings holding the property in trust. XXXX were cut off at that time not being able to ask to move the court for judgment of dismissal based on the prima fascia evidence that XXXX provided. They believe that Attorney XXXX is doing the Summary Judgment to avoid the already scheduled jury trial for the week of the XX/XX/XXXXthrough the XXXX, since XXXX had already met the burden of proof and paid the required {$150.00} fee this matter being tranfered out of the XXXX COURT. XXXX objected to the court that the process was not per the court rules and that they received XXXX XXXX, XXXX documents on the XXXX later in the day and returned them back with XXXX responses sent in the mail on the XXXX, refuting XXXX XXXX, XXXX claims was not enough time for the court to review, in fact in what XXXX XXXX observed they did not review them. XXXX were only given 3 business days to work on the paperwork and sent them in the mail served back on the XXXX, when XXXX were in court, the court still had not received their document service, neither had Attorney XXXX. XXXX strongly object to this process and find it prejudicial to XXXX XXXX, XXXX, and that it is abuse of process since this is the second time XXXX are being denied access to a Constitutional Protection and JURY PROCEEDING. This also damages the law since it is supposed to be base of public policy of jurys, WE THE PEOPLE.XXXX have thus filed a second 11 Amendment notice for damages, and have demanded the oath of office, XXXX Form and Replevin Bond of Judge XXXX XXXX XXXX. We estimate that these bad actors working in concert with the court have caused several millions of dollars in damages to the XXXX ( 3 ). XXXX XXXX then put the court on notice that, he would be appealing the legal determination. XXXX XXXX also asked Judge XXXX if he had a judicial bond, and if he could have a copy of it. He was not answered that was audible. This is another request for the Judicial/Replevin Bond of Judge XXXX XXXX XXXX. XXXX XXXX has given XXXX XXXX permission to communicate about this matter for her. WE DECLARE UNDER PENALTY OF PERJURY UNDER THE LAWS OF THE STATE OF CALIFORNIA THAT THE FOREGOING IS TRUE AND CORRECT. EXECUTED ON THIS XXXX DAY OFXX/XX/XXXX, AT XXXX, California. 1. The acts and omissions of Defendants, and their agents, each of them, caused Plaintiffs to suffer actual damages, bankruptcy, credit damage, emotional damages, loss of good title and accrued attorney fees, potential y loss of their home which is valued as over {$670000.00} and is a non negotiable instrument since XXXX have possession of the NOTE and are not wanted to sell it or negotiate it at this time. This means that Judge XXXX XXXX XXXX is commercially liable as per 452 B. R. 876. For XXXX damages from the non-negotiable instrument. XXXX will pursue a commercial remedy in this matter. 2. The acts and omissions of Plaintiffs, and their agents, each of them, continue to cause Defandants to suffer actual damages, emotional damages loss of good title and accrued attorney fees. PRAYER WHEREFORE, Plaintiffs pray for judgment against Defendants, each of them, as follows : 1 ) For a determination that Defendants, each of them, violated CIVIL CODE 2924 2 ) For an Order enjoining the sale or encumbrance or taking of possession of the subject property by Defendants of its agents or assigns until this matter is resolved, 3 ) For an Order cancelling the NOTICE OF DEFAULT, THE ( two ) NOTICES OF TRUSTEE SALE, and the SUBSTITUTION OF TRUSTEE, any ASSIGMENTS, and any TRUSTEE DEED UPON SALE. 4 ) For determination that Defendants, each of them, committed the tort of Intentional Misrepresentations against Plaintiffs, causing harm, 5 ) For determination that Defendants, each of them, committed the tort of Conspiracy against Defendants, causing harm, 6 ) For determination that Plaintiffs, each of them, have engaged in systematic unfair and deceptive business practices in violation of BUSINESS AND PROFESSIONS CODE Section 17200, 7 ) For determination as to the historical Chain of Title of the subject Note including a determination of who current owns the note, who has standing to foreclose or re-convey the deed of trust to XXXX and to Quiet TITLE to XXXX. 8 ) Damages in an amount to be proven at trial, 9 ) Punitive damages in an amount to be proven at trial, 10 ) For Restitution in an amount to be proven at trial, 11 ) For costs of suit and reasonable attorney fees herein incurred, in this commercial remedy. 12 ) For such other and further relief as a Court may deem proper. DATED :XX/XX/XXXX Respectfully submitted, _______________________________________ XXXX XXXX XXXX,, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX

• Mortgage
• Conventional home mortgage

• Struggling to pay mortgage

• FL
• 32822

• Mortgage
• Conventional home mortgage

• Trouble during payment process

• CA
• 92505

SIGNED BY XXXX XXXX XXXX AVP FOR XXXX XXXX XXXX XXXX AS TRUSTEE FOR THE CERTIFICATEHOLDERS OF THE SARM XXXX TRUST FUND BY XXXX XXXX XXXX XXXX ( XXXX ) AS XXXX XXXX XXXX XXXX ATTORNEY IN FACT NOTARY PUBLIC XXXX XXXX XXXX THIS NOTARY AS WELL AS XXXX XXXX XXXX ARE IN THE COMPREHENSIVE FORENSIC EXAMINTATION OF THE REAL PROPERTY RECORDS THAT SHOW FRAUD, INCONSISTENCY AND R.I.C.O. VIOLATIONS WAITING ON CERTIFIED OATH NOTICE OF DEFAULT XX/XX/XXXX DOCUMENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX ORDER XXXX XXXX XXXX XXXX XXXX. AS TRUSTEE FOR THE CERTIFICATEHOLDERS OF THE SARM XXXX TRUST FUND SIGNED BY XXXX XXXX XXXX, ASSISTANT SECRETARY XXXX XXXX XXXX HAS SIGNED WITH UNKNOWN SUSPECT ACTING AS NOTARY PUBLIC XXXX XXXX IN VIOLATIONS OF OF GOVT CODE 8214.1 ( d ) ( e ) ( o ) ( i ) ( l ) AND VIOLATIONS OF PENAL CODE 115 FALSE DOCUMENTS RECORDED IN SAID COUNTY, PENAL CODE 182 TWO OR MORE COMMITTING CRIMINAL ACTS, AND PENAL CODE 470 INTENT TO DEFRAUD NOTICE OF TRUSTEES SALE XX/XX/XXXX DOCUMENT XXXX XXXX XXXX XXXX XXXX TS NO. XXXX ORDER XXXX ASSIGNMENT OF DEED OF TRUST XX/XX/XXXX DOCUMENT XXXX FOR VALUE RECEIVED THE UNDERSIGNED XXXX XXXX XXXX XXXX HEREBY GRANTS TO NATIONSTAR MORTGAGE, LLC NOTICE OF TRUSTEES SALE XX/XX/XXXX DOCUMENT XXXX XXXX XXXX XXXX XXXX TS NO. XXXX ORDER XXXX XXXX SIGNED BY XXXX XXXX FORGERY COMMITTED BY UNKNOWN SUSPECT ACTING AS XXXX XXXX SEE DIFFERENT SIGNATURE AND PENDING SUIT PERTAINING TO FRAUD AND FORGERY IN VIOLATIONS OF PENAL CODE 115,182, AND 470 SIGNED BY XXXX XXXX ASSISTANT VICE PRESIDENT NOTARY PUBLIC XXXX XXXX XXXX WAITING FOR CERTIFIED OATH ORDERED XXXX SIGNED BY XXXX XXXX FORGERY COMMITTED BY UNKNOWN SUSPECT ACTING AS NOTARY PUBLIC XXXX XXXX SEE DIFFERENT SIGNATURE AND PENDING SUIT PERTAINING TO FRAUD AND FORGERY IN VIOLATIONS OF PENAL CODE 115,182, AND 470 TRUSTEES DEED UPON SALE XX/XX/XXXX DOCUMENT XXXX RECORDING REQT BY XXXX AND NATIONSTAR MORTGAGE LLC UNPAID DEBT {$800000.00} PAID DEBT {$720000.00} NO TAXES PAID XXXX XXXX XXXX XXXX HEREBY GRANTS TO XXXX XXXX XXXX XXXX XXXX, AS TRUSTEE FOR STRUCTURED ADJUSTABLE RATE MORTGAGE LOAN TRUST MORTGAGE PASS-THROUGH CERTIFICATES SERIES XXXX SIGNED BY XXXX XXXX NOTARY PUBLIC XXXX XXXX FORGERY COMMITTED BY UNKNOWN SUSPECT ACTING AS NOTARY PUBLIC XXXX XXXX IN VIOLATION OF GOVT CODE 8214.1 ( d ) ( e ) ( o ) ( i ) ( l ) AND VIOLATIONS OF PENAL CODE 115 FALSE DOCUMENTS RECORDED IN SAID COUNTY, PENAL CODE 182 TWO OR MORE COMMITTING CRIMINAL ACTS, AND PENAL CODE 470 INTENT TO DEFRAUD THIS DOCUMENT MUST BE EXPUNGED FROM THE COUNTY RECORDERS OFFICE President Elect Donald J. Trump XXXX XXXX XXXX XXXX XXXX, NEW YORK XXXX CERTIFIED MAIL XXXX XXXX XXXX XXXX XXXX ATTORNEY GENERALS OFFICE CALIFORNIA DEPARTMENT OF JUSTICE ATTN : ATTORNEY GENERAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX CERTIFIED MAIL : XXXX XXXX XXXX XXXX XXXX XXXX CONGRESSMAN XXXX XXXX XXXX XXXX IN PERSON ON XX/XX/XXXX AT 3XXXX XXXX WITNESS XXXX XXXX SPOKE TO XXXX XXXX STAFF ASSISTANT IN XXXX XXXX CA MOBILE OFFICE WRIT OF ERROR TO FORMER SHERIFF XXXX XXXX XXXX FILED XX/XX/XXXX IN DEPARTMENT 1 AT THE XXXX XXXX COURTHOUSE XXXX ATTACHED PACKAGE SENT ON XX/XX/XXXX RECEIVED XX/XX/XXXX REGARDING CRIMES COMMITTED TO THE PUBLIC AT LARGE 13 MILLION APPROX. PENDING FEDERAL BUREAU OF INVESTIGATION COMPLAINT FILED ON XX/XX/XXXX SUBMITTED BY PRIVATE ATTORNEY GENERAL XXXX XXXX FEDERAL BUREAU OF INVESTIGATION REPORT SUBMITTED VIA PHONE BY PRIVATE ATTORNEY GENERAL 42 U.S.C. 1988 XX/XX/XXXX XXXX FEDERAL BUREAU OF INVESTIGATION REPORT VIA PHONE XXXX XXXX SUBMITTED BY PRIVATE ATTORNEY GENERAL XXXX XXXX 42 U.S.C. 1988 ( RICO ) XX/XX/XXXX XXXX FEDERAL BUREAU OF INVESTIGATION REPORT SUBMITTED IN PERSON BY PRIVATE ATTORNEY GENERAL XXXX XXXX XX/XX/XXXX AT XXXXAGENT # XXXX FEDERAL BUREAU OF INVESTIGATION REPORT SUBMITTED IN PERSON BY PRIVATE ATTORNEY GENERAL XXXX XXXX IN THE UNITED STATES BANKRUPTCY COURT XX/XX/XXXX at XXXX XXXX approx IN THE CASE OF THE DEBTOR XXXX XXXX WHEREIN AS JUDGE XXXX XXXX ORDERED XXXX XXXX BY FORCE IN CONTEMPT OF THE COURT TO COME BACK IN AFTER JUDGE XXXX XXXX WAS DISQUALIFIED BY P.A.G. XXXX PENDING ( XXXX ) ON BEHALF OF THE PUBLICS INTEREST, SECURITY, FREEDOM FROM ORGANIZED CRIME WHICH WAS COMMITTED TO APPROX. 13 MILLION INHABITANTS IN THE UNITED STATES OF AMERICA VIOLATIONS OF RACKETEER INFLUENCED AND CORRUPT ORGANIZATION, MAIL FRAUD, WIRE FRAUD, MONEY LAUNDERING, TAX EVASION, FABRICATION OF FALSE DOCUMENTS, PENAL CODES 115, 182, 470 CCC 2934, 2924 CIVIL RIGHTS, WHITE COLLAR CRIMES.

OFFICE OF THE PRESIDENT XXXX REPUBLIC OF THE XXXX XXXX XXXX POINT OF CONTACT PRIVATE OFFICE OF THE PRESIDENT EMAIL PHONE APPOINTMENT REQUEST XX/XX/XXXX XXXX XXXX CALIFORNIA XXXX XXXX CASE Office of the Provost Marshal XXXX XXXX XX/XX/XXXX REQUESTING MILITARY ASSISTANCE DUE TO TREASON COMMITTED BY ELECTED OFFICERS OF THE COURT IN MULTIPLE COUNTIES DECLARATION OF STATE OF EMERGENCY AND CIVIL UNREST CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX RESPONDED NOTICED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX NOTICED XX/XX/XXXX Speaker of the House XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX phone XXXX fax Certified Mail # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Commission of Judicial Performance XXXX XXXX, Ca XXXX Spoke to XXXX XXXX and he stated he would send a letter pertaining to the investigation against the State Judges. XXXX XXXX NOTICE PENDING MAILED XX/XX/XXXX MAIL ID # XXXX Conclusion Yes No Not Required Comments OFFICE OF THE COMPTROLLER OF CURRENCY CASE # PENDING CONSUMER FINANCIAL PROTECTION BUREAU COMPLAINT # PENDING FEDERAL BUREAU OF INVESTIGATIONS VIA PHONE XX/XX/XXXX AT XXXX XXXX APPROX.SUBMITTED BY PRIVATE ATTORNEY GENERAL XXXX XXXX Judge Advocate General XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX XXXX DEPARTMENT OF TREASURY SPECIAL AGENT XXXX XXXX XX/XX/XXXX OPEN INVESTIGATION * COURT OF RECORD. To be a court of record a court must have four characteristics, and may have a fifth. They are : A. A judicial tribunal having attributes and exercising functions independently of the person of the magistrate designated generally to hold it [ XXXX v. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; Ex parte XXXX, XXXX XXXX XXXX XXXX, per XXXX, XXXX See, also, XXXX v. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] [ XXXX XXXX Law Dictionary, 4th Ed., 425, 426 ] B. Proceeding according to the course of common law [ XXXX v. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; Ex parte XXXX, XXXX XXXX XXXX XXXX, per XXXX, XXXX See, also, XXXX v. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] [ Black 's Law Dictionary, 4th Ed., 425, 426 ] C. Its acts and judicial proceedings are enrolled, or recorded, for a perpetual memory and testimony. [ 3 Bl. Comm. 24 ; 3 Steph. Comm. 383 ; The XXXXXXXX XXXX, C.C.Ga., XXXX XXXX XXXX ; Ex parte XXXX , XXXX XXXX XXXX ; XXXX v. U.S. , D.C.Ga., XXXX XXXX. XXXX XXXX XXXX XXXX ; XXXX v. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] Has power to fine or imprison for contempt. [ 3 Bl. Comm. 24 ; 3 Steph. Comm. 383 ; The XXXX XXXX, C.C.Ga., XXXX XXXX XXXX ; Ex parte XXXX , XXXX XXXX XXXX ; XXXX v. U.S. , D.C.Ga., XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX v. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] [ Black 's Law Dictionary, 4th Ed., 425, 426 ] E. Generally possesses a seal. [ 3 Bl. Comm. 24 ; 3 Steph. Comm. 383 ; The XXXX XXXX, C.C.Ga., XXXX XXXX XXXX ; Ex parte XXXX , XXXX XXXX XXXX ; XXXX v. U.S. , D.C.Ga., XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX v. XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ] [ Black 's Law Dictionary, 4th Ed., 425, 426 ] ***Private Attorney General Private attorney general is an informal term usually used today in the United States to refer to a private party who brings a lawsuit considered to be in the public interest, i.e., benefiting the general public and not just the plaintiff. [ 1 ] The person considered " private attorney general '' is entitled to recover attorney 's fees if he or she prevails. The rationale behind this principle is to provide extra incentive to private citizens to pursue suits that may be of benefit to society at large. Another example of the " private attorney general '' provisions is the Racketeer Influenced and Corrupt Organizations Act ( RICO ). RICO allows average citizens ( private attorneys general ) to sue those organizations that commit mail and wire fraud as part of their criminal enterprise. [ citation needed ] To date, there are over 60 federal statutes [ citation needed ] that encourage private enforcement by allowing prevailing plaintiffs to collect attorney 's fees. Attorneys who function as a private attorney general do so without compensation. The statutes permitting a plaintiff to recover attorneys ' fees have been held not to apply when the plaintiff is an attorney.

Definitions : ***18 U.S.C. 4 Whoever, having knowledge of the actual commission of a felony cognizable by a court of the United States, conceals and does not as soon as possible make known the same to some judge or other person in civil or military authority under the United States, shall be fined under this title or imprisoned not more than three years, or both. ***Penal Code 115.5 ( a ) Every person who files any false or forged document or instrument with the county recorder which affects title to, places an encumbrance on, or places an interest secured by a mortgage or deed of trust on, real property consisting of a single-family residence containing not more than four dwelling units, with knowledge that the document is false or forged, is punishable, in addition to any other punishment, by a fine not exceeding seventy-five thousand dollars ( {$75000.00} ). ( b ) Every person who makes a false sworn statement to a notary public, with knowledge that the statement is false, to induce the notary public to perform an improper notarial act on an instrument or document affecting title to, or placing an encumbrance on, real property consisting of a single-family residence containing not more than four dwelling units is guilty of a felony. - See more at : XXXX XXXX XXXX XXXX XXXX Both statutes [ RICO and Clayton Act ] bring to bear the pressure of private attorneys general on a serious national problem for which public prosecutorial resources are deemed inadequate ; the mechanism chosen to reach the objective in both the Clayton Act and RICO is the carrot of treble damages.

[ Agency XXXX XXXX v. XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) ] [ bold emphasis added ] In rejecting a significantly different focus under RICO, therefore, we are honoring an analogy that Congress itself accepted and relied upon, and one that promotes the objectives of civil RICO as readily as it furthers the objects of the Clayton Act. Both statutes share a common congressional objective of encouraging civil litigation to supplement Government efforts to deter and penalize the respectively prohibited practices. The object of civil RICO is thus not merely to compensate victims but to turn them into prosecutors, " private attorneys general, '' dedicated to eliminating racketeering activity. XX/XX/XXXX., at XX/XX/XXXX ( citing XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX , at XX/XX/XXXX ) ( civil RICO specifically has a " further purpose [ of ] encouraging potential private plaintiffs diligently to investigate '' ). The provision for treble damages is accordingly justified by the expected benefit of suppressing racketeering activity, an object pursued the sooner the better.

[ XXXX v. XXXX et al., XXXX XXXX XXXX ( XX/XX/XXXX ) ] [ bold and underline emphases added ] Attorney General, Private The private attorney general concept holds that a successful private party plaintiff is entitled to recovery of his legal expenses, including attorney fees, if he has advanced the policy inherent in public interest legislation on behalf of a significant class of persons. XXXX v. Housing Authority of City of XXXX, Ga., XXXXGa., XXXX XXXX XXXX XXXX. See also Equal Access to Justice Act.

[ XXXX Law Dictionary, Sixth Edition ] [ bold emphasis added ] Note : The following California State statutes were recently amended by voter approval of Proposition 64. We leave these provisions here, for comparative historical purposes.

Private Attorney General statutes, California Business and Professions Code Section 17204. Actions for any relief pursuant to this chapter shall be prosecuted exclusively in a court of competent jurisdiction by the Attorney General or any district attorney or by any county counsel authorized by agreement with the district attorney in actions involving violation of a county ordinance, or any city attorney of a city, or city and county, having a population in excess of 750,000, and, with the consent of the district attorney, by a city prosecutor in any city having a full-time city prosecutor or, with the consent of the district attorney, by a city attorney in any city and county in the name of the people of the State of California upon their own complaint or upon the complaint of any board, officer, person, corporation or association or by any person acting for the interests of itself, its members or the general public.

[ bold emphasis added ] Section 17535. Any person, corporation, firm, partnership, joint stock company, or any other association or organization which violates or proposes to violate this chapter may be enjoined by any court of competent jurisdiction.

The court may make such orders or judgments, including the appointment of a receiver, as may be necessary to prevent the use or employment by any person, corporation, firm, partnership, joint stock company, or any other association or organization of any practices which violate this chapter, or which may be necessary to restore to any person in interest any money or property, real or personal, which may have been acquired by means of any practice in this chapter declared to be unlawful.

Actions for injunction under this section may be prosecuted by the Attorney General or any district attorney , county counsel, city attorney, or city prosecutor in this state in the name of the people of the State of California upon their own complaint or upon the complaint of any board, officer, person, corporation or association or by any person acting for the interests of itself, its members or the general public.

XXXX 18 U.S.C. 2381 treason Whoever, owing allegiance to the United States, levies war against them or adheres to their enemies, giving them aid and comfort within the United States or elsewhere, is guilty of treason and shall suffer death, or shall be imprisoned not less than five years and fined under this title but not less than {$10000.00} ; and shall be incapable of ho

• Mortgage
• Conventional home mortgage

• Trouble during payment process

• CA
• 95765

• Mortgage
• Conventional home mortgage

• Applying for a mortgage or refinancing an existing mortgage

• CA
• XXXXX

• Debt collection
• Mortgage debt

• False statements or representation
• Attempted to collect wrong amount

• CA
• 95070

5. None of my court actions passed the motion the dismiss, inappropriately and incorrectly, therefore none of my declarations and exhibits in CFPB Case Number XXXX, were discussed or addressed in any court. 6. None of the courts that Mr. attorney cited, had or have jurisdiction, because they all were bribed based on facts on records, at USDC, in state court, in XXXX District court of Appeals and in the XXXX Circuit court of Appeals. Again, based on facts on records, those judges were bribed. 7. Here are some additional courteousy evidence to CFPB : attached are true and correct copies of first pages of two instruments filed in county of XXXX XXXX Recorder 's Office, namely : A ) Instrument Number XXXX which is a lease agreement between judge XXXX XXXX XXXX 's husband associate justice XXXX and XXXX University, and i : request that the court take mandatory judicial notice of all evidence presented to CFPB under Fed. Rule 201 ( d ). Pursuant to Fed. Rule 201 ( e ) ; And, B ) Instrument Number XXXX which is Deed of Trust where XXXX XXXX XXXX XXXX is the grantee and judge XXXX and her husband associate justice XXXX or their so called trust are the Grantor. As it is evident before CFPB, Judge XXXX and associate justice XXXX have obtained bribes of {>= $1,000,000} labeled as " loans '' on a leased property, which is clearly violation of Title 18 USC 1346. 8. Therefore, as it is evident before CFPB, judge XXXX XXXX XXXX not only obtained bribes labeled as " loans '' on a leased property but also XXXX while obtaining bribes labeled as " loans '' on terms that are not available to the public, also violated XXXX XXXX loan limits. In XX/XX/XXXX ( attached instrument Number XXXX ) when judge XXXX XXXX XXXX obtained her bribe labeled as a " loan '', the XXXX XXXX Loan limit was {$410000.00}, however, judge XXXX received more than XXXX XXXX of bribe labeled as a loan on terms that are not available to the public on a leased property which surpassed the XXXX XXXX Loan Limits by ~ 4 folds. How can judge XXXX rebut these facts? lower court 's judge XXXX has been cut red handed and can no longer be a public official with all these baggage, 18 U.S. Code 201 - Bribery of public officials and witnesses. 9. Based on facts on records obtained from the government following Petitioner 's demand under FOIA, Judge XXXX XXXX XXXX ( lower court judge ) received bribes of {$120000.00} as of XX/XX/XXXX, and judge XXXX XXXX XXXX received bribes of {$66000.00} as of XX/XX/XXXXfrom COUNTY OF XXXX XXXX while taking official actions. 10. Attorneys from XXXX XXXX XXXX XXXX brought the matter that the County Court judges were bribed and corrupt back to court in XX/XX/XXXX. In this case known as XXXX XXXX the three judge appellate court once again ruled in favor of XXXX, saying that the counties were violating state law. The appellate judges stated : The bottom line : Sec Section 68220 subdivision ( a ) plainly requires any county paying its judges supplemental benefits as of XX/XX/XXXX to continue to pay its judges supplemental benefits, including all judges who took office afterXX/XX/XXXX albeit subject to the right of the county in the first two sentences of subdivision ( b ) to terminate those benefits after specified notice. The county has no choice and no discretion to fix judicial compensation, which has thus been prescribed by the Legislature. The opt-out provisions of the first two sentences of subdivision ( b ) provide the only choice a county has in that situation, and even then theres no fixing of compensation, just a choice to pay the prescribed amount or not to pay any supplemental compensation at all.

XXXX XXXX shifted the dynamic. The burden is now on the judges including the administrative judges at CFPB, the Clerk and its deputies, the counties, the local courts, the U.S. Attorney General, the State Legislature, the State Attorney General, the District Attorneys, the Commission on Judicial Performance and the Supreme Court and others to enforce the law. Not only all the orders issued by these bribed judges are void as a matter of law at XXXX, Id but also the Superior Court judges must either give back all the monies received since XX/XX/XXXX if such were above the annual XX/XX/XXXX level, or the judges and the counties , county supervisors, local courts and presiding judges and employees of both face criminal prosecution on both the state [ California Penal Code Sections 96.5 and 182 ( a ) ( 5 ) ] and federal level [ 18 U.S.C. Section 1346 ]. Additionally, the judges may be impeached by the State Assembly and convicted by the State Senate for misconduct in office. Further, the judges may be removed from office by the Commission on Judicial Performance and the California Supreme Court for taking illegal payments. The question now is will these individuals and entities fulfill their obligations? judicial bribery while taking official actions, violation of 18 USC 1346. 11. Moreover, these judges have been acting in complete defiance of enacted California and Federal Laws, to wit : 12 CFR 226.15 d, ( 1 ), ( 2 ), and ( 3 ), TILA at 1635 et. seq., Reg Z. by Federal Reserve, and SCOTUS SCOTUS unanimous decision in XXXX XXXX XXXX XXXX XXXX XXXX., 729 F. 3d 1092 ( 8th Cir. 2013 ), cert. granted, 82 U.S.L.W. 3366 ( U.S. XX/XX/XXXX ) ( Docket No. XXXX, SCOTUS Unanimous decision XX/XX/XXXX, Author : Justice XXXX ) since i : already have my non judicial judgment at TILA 1635 et seq. and CFPB must zealously protect my legal rights at TILA, Id. 12. The biggest mistake lawyers make is jumping into the middle of a fact pattern instead of starting at the beginning. Most foreclosures involve trusts at some point in the chain. And most trust, just like the fake trust identified here, do not exist as " legal persons ''. Without a legal person there can be no " jural act. '' Hence the Court lacks and lacked jurisdiction to perform any act other than the ministerial act of dismissing the foreclosure action in judicial states or striking the substitution of trustee, the notice of default and the notice of sale in non-judicial states as a matter of law. 13. Any recorded document involving a nonexistent legal person should also be removed from the county records. 14. The fact is that many trusts do not exist as " legal persons. '' just like the fake trust indentified that had no money to pay to pay for anything and was never formed properly. The drafting of an instrument declaring the intent to create a trust does not create a trust until it is signed by a trustor. 15. A trust instrument that relies upon the attachment of exhibits does not create a trust until the exhibits are attached. 16. The signing of a trust instrument with all the necessary exhibits attached does not create a trust with legal standing to do anything until assets are transferred into the trust. 17. The alleged trust instruments relied upon by foreclosing parties ( complete strangers to the alleged financial transactions ) are unsigned. They never had all the exhibits attached, the most important of which of course would be the alleged mortgage loan schedule. And the fake REMIC trusts never, based on facts on records send to CFPB, contained any assets or loans. 18. The reason is quite simple. The pretender lenders never intended to use any of the trusts except as window dressing to cover their actual activities, which is money laundering and XXXX schemes. 19. The pretender lenders have been relying on misdirection in order to get CFPB and others to take the trust seriously. 20. Since the alleged trust was never completely and legally formed, it does not and did not exist as a legal person. This is a jurisdictional issue that can not be waived or ignored by any court. Since the trust does not exist and did not exist as a legal person then it does not have any of the rights claimed by Mr. attorney XXXX purporting to represent the alleged trust. It might just as well be XXXX XXXX a fictional character. And anyone who derives their authority from XXXX XXXX, has nothing -- - no rights, powers or obligations except the obligation to represent facts and arguments that are true to the best of the lawyer 's knowledge and belief. 21. All of this is well-known to foreclosure mills and XXXX XXXX XXXX. Instead of refusing to act on blatantly invalid void documents and instructions, XXXX proceed because he gets paid to proceed. If XXXX did n't proceed, XXXX would n't get paid. And they would lose a 5 star client. 22. By the admission of XXXX, the alleged trust is and was empty and never had any assets, no other evidence exists to the contrary. 23. CFPB is requested to send safe harbor letters ( frivolous litigation ) that would require both the attorney XXXX and his nonexistent client to pay fees for defending a completely bogus action. 24. The problem is not just that the real party in interest has not been named. The problem is that there is no party entitled to perform any legal act. Hence the jurisdiction of all courts are completely absent ; and any action taken by any of those courts as though the trust existed, is completely void and without any statutory or constitutional authority. 25. This is not a tactical objection in order to obtain a " free house '' for me. It is a direct challenge to all court 's authority to take any action other than issuing a summary judgment and payment of my damages. And it is an invitation to CFPB to take a close a look at foreclosure mills as they do to the low hanging fruit of solo foreclosure defense lawyers who get charged with " foreclosure rescue schemes. ''

• Mortgage
• Conventional home mortgage

• Trouble during payment process

• WA
• XXXXX

• Mortgage
• FHA mortgage

• Trouble during payment process

• NM
• XXXXX

• Mortgage
• Conventional home mortgage

• Struggling to pay mortgage

• CA
• XXXXX

• Mortgage
• Conventional home mortgage

• Struggling to pay mortgage

• CA
• 90740

During the prior 30 days from the NOD recorded by XXXX XXXX XXXX acting as a Sub of Trustee/recorded a 'NOD on XX/XX/XXXX ' with a FALSE Affidavit/Not reliable and since was wrong the first round in XX/XX/XXXX ' is still not reliable nor accurate. This affidavit was filed claiming efforts made 30 days " prior '' to the date it was signed and was to relate to the NOD being recorded. Obviously a Declaration from XX/XX/XXXX for an event of Pre-Foreclosure Steps in XX/XX/XXXX' are not true nor reliable as required under the laws. In fact the NOD pre-30 Days I was in a Forced into Ch XXXX from faulty acts being made caused a Bankruptcy stay in place and for the entire year from XX/XX/XXXX ' - Through XX/XX/XXXX this would be exempted from any possible attempts to make contact given the BK. Rather than follow the outlines of the laws by-passed and just attempted to reuse the prior faulty Defective Declaration knowing it was not true nor possible to be true.

Each detail since has ever more " odd '' and strange outcomes : On top of this a " Request for each Demand Letter '' that would correlate and Each Demand Letter from any hired firms. A Blank Letter arrived with a page one letter claiming here are the attached items as requested yet all pages are blank. 8 Pages Blank as to show some type of pre- 30 Day Letter of a Demand prior to recording a NOD. No documents provided. This makes no sense and is very odd.

Then on top of this Nationstar apparently failed to inform of my mailing address - to the " new '' Trustee and this caused the 5 Day Letter required after recording a NOD to have been sent to ONLY the Wrong Address ; Missing the 5 Days of any such Debt Validation. This appears may have been intentional since the same firm and Nationstar knew my address as I was " in '' the bankruptcy having " same '' address just 3 Days prior.

Additionally the Foreclosure Attorney firm named XXXX XXXX aka XXXX had my address as they were involved in the BK details and 3 Days earlier had my information and then claimed did not have it and that for some reason Nationstar failed to " give '' the correct mailing address. This defective Notice also caused XXXX XXXX AS TRUSTEE to file and PUBLISH wrong details of a debt claimed as owed/false accounting/and File a Status on their own Web site referencing an Auction Company named XXXX this firm is now publishing NON PUBLIC INFORMATION. PRIVATE INFORMATION TO THE PUBLIC ON MY NAME, PERSONAL DETAILS AND MY ENTIRE LOAN ACCOUNT. ( The letter attached explains this further - & both entities have been informed of this very illegal collection practice and have failed to respond ) allowing a continued publishing of my personal NON PUBLIC INFORMATION to be on a pubic website.

This XX/XX/XXXX- Notice of Default is filed inaccurately, defectively and is outside of CA laws, and outside of Dodd Frank Regulations ; the Publishing of Personal Information and a Claim of a Debt by XXXX is being instructed to 3rd parties thereby Violating Fair Debt Collection Practices and " Slandering my Reputation '' And Slandering Title as well as causing Private Confidential information to the Public as this violates the FDCPA AND VIOLATES CA. ROSENTHAL Debt Collection Act. Personal information is to be kept confidential.

This is causing great stress and over 20K views from other sites picking up the Auction details. This was informed to Nationstar to STOP PUBLISHING MY PERSONAL INFORMATION AND TO REVERSE THE NOD.

Both parties are ignoring the laws. XXXX XXXX XXXX says they are a Debt collector - acting for another ( another 3rd party - XXXX XXXX as Trustee of a Trust ) -- and the Debt was under Dispute however XXXX continued to make efforts to collect on a debt claimed as owed and instructed a 3rd party named XXXX to publish private NON Public Information. XXXX states they ONLY do as instructed by Nationstar however Nationstar knows this was " in dispute '' as still open dispute ongoing concerns that were raised and not answered previously. Nationstar continues to just disregard homeowner 's concerns. Stating they would look into the facts however never responds knowing this was a heightened and very wrong to publish NON Public information. Now further sends a new RMA yet never responds to the RMA that is provided and or all the documents provided. Each communication is ignored unless I bring to the Regulators Attentions. Then still typically are answered with non-answers. Or by passing the details raised.

Each communication is met with incompetent staff that seems any issues are out of their league or scope of comprehension. The internal staff keeps changing my One Pointed assigned person back and forth and back and forth. No Customer Escalation Teams are available when they state to contact them. Each attempt to reach out only results in new frustrations. No return calls or no responses to my concerns raised. Each time a new person at Customer Service says they will put notes and have the Escalation Team look into and also have the one person call back and no calls ever come. No Escalation Team answers. In the hurry to foreclose regardless of all concerns in regards to my unconscionable predatory loan by XXXX and many promised outcomes from each regulatory lawsuit that was to assist only results in ever new increased balances that have no relation to the agreements made. This has caused extreme harassment and unfair business practices. I feel my money was stolen and I can not even use my home from now it is damaged so badly after Nationstar ordered persons to break in and cause massive damages. This has been non stop. I deserve better treatment and respect than what is shown. My privacy should be protected and not part of a scheme to cause further embarrassment and harassment.

This is a pattern which interferes with my entire life as I am strung along waiting for them to make good on the Regulators Agreements pertaining to the USDOJ - and CA AG and the NMS agreements pertaining to my XX/XX/XXXX ' XXXX Origination loans.

The note was accelerated however since no understanding is found at any level - even the Attorney firms hired, state they are NOT Attorney 's they Do not check the laws and are not required to. This is causing a multitude of mistakes and entire laws to be disregarded in every sense. This is a Defective NOD filed and again, instructed to send to the Attorney firm ( per Nationstar ) then sent a letter and exhibits by email and back up as certified mail otherwise Nationstar says they never received. Then attorney firm states they are not " really '' the attorney firm - only acting as a Trustee that does not require to follow any laws. As if they are exempt from any and all laws. This pattern is horrendously abusive. The Trustee 's are not acting as unbiased parties as they are hired to only benefit the Servicer 's requests and do not look at the laws.

However all facts and details provided are ignored, and this is extremely frustrating as no accountability is found. The Attorney firm is advertising to be an expert in the Foreclosure process. However this appears to be a game that by passes all laws. To be hired for your expertise in one arena then claim you are not what you said.

Nationstar keeps referencing that the Attorney 's will review all applicable laws. The same attorney 's that state NO they do n't have to follow any laws and Do not have to review laws either. That all responsibility is that of the Servicer. However the Servicer appears to be flying blind. This makes no reasonable Business practice found.

The NOTICE OF DEFAULT WAS FILED DEFECTIVELY. THE DECLARATION IS NOT VALID NOR TRUTHFUL, OR RELIABLE. IT is obvious that it was used twice and is non compliant to the applicable laws.

To Publish personal information is a violation of the FDCPA. This is a request to Reverse the defective NOD and Stop publishing my personal information. Stop publishing my Full Loan Account Number ; Stop publishing my name ; stop publishing fake accounting figures claimed as owed. And stop acting on faulty defective Declarations that are signed under perjury. This has been burdensome.

And stop sending blank documents to suffice as if " real '' items are existing when no documents are found.

Your Immediate Attention to these concerns are appreciated. AND stop saying you 've answered a complaint when no answers came/and no details were yet raised.

This is a TOPIC that has NOT been Answered. The NOD is defectively filed as to rush with new trustee to hurry up to file a NOD regardless of events, timing and or any laws being followed caused this defective filing of a false affidavit twice used and having no reliability.

To instruct a 3rd party to record, publish and claim a debt is owed. To fail the CA strict requirements ; and to ignore the topic raised as if it 's not necessary to answer to the homeowner. To cause horrendously outrageous collection attempts that include the details raised in the Letter Dated : XX/XX/XXXX that was sent by Email to the Attorney firm/and Trustee who stated they will review letter and send to Nationstar.

See attached items. Both Versions of the twice used Declaration from XX/XX/XXXX' and again used in XX/XX/XXXX ' rather than taking the steps under the applicable laws. See attached Letter to both Nationstar 's cover letter of Two pages, and Six Pages to all parties : XXXX : XXXX XXXX and Nationstar. To correct by rescission. And stop publishing my personal loan information to public sites.

• Mortgage
• Conventional home mortgage

• Struggling to pay mortgage

• CT
• 06473

• Mortgage
• FHA mortgage

• Trouble during payment process

• LA
• 70448

• Mortgage
• Conventional home mortgage

• Trouble during payment process

• FL
• 33406

• Mortgage
• Home equity loan or line of credit (HELOC)

• Trouble during payment process

• NH
• 03301

• Mortgage
• FHA mortgage

• Trouble during payment process

• LA
• XXXXX

• Mortgage
• FHA mortgage

• Struggling to pay mortgage

• NJ
• 08043

• Mortgage
• Conventional home mortgage

• Trouble during payment process

• PA
• 190XX

• Mortgage
• FHA mortgage

• Trouble during payment process

• MT
• 59701

• Credit reporting, credit repair services, or other personal consumer reports
• Credit reporting

• Problem with a credit reporting company's investigation into an existing problem
• Their investigation did not fix an error on your report

• IN
• 470XX

• Credit reporting, credit repair services, or other personal consumer reports
• Credit reporting

• Problem with a credit reporting company's investigation into an existing problem
• Their investigation did not fix an error on your report

• IN
• 470XX

• Mortgage
• Conventional home mortgage

• Struggling to pay mortgage

• NY
• 142XX

• Mortgage
• Conventional home mortgage

• Applying for a mortgage or refinancing an existing mortgage

• FL
• 32065

• Mortgage
• Conventional home mortgage

• Trouble during payment process

• TX
• 77566

• Mortgage
• Conventional home mortgage

• Trouble during payment process

• DC
• 20009

• Mortgage
• FHA mortgage

• Closing on a mortgage

• FL
• XXXXX

• Mortgage
• Home equity loan or line of credit (HELOC)

• Trouble during payment process

• VA
• 23237

• Mortgage
• FHA mortgage

• Struggling to pay mortgage

• ID
• 83713

• Mortgage
• FHA mortgage

• Struggling to pay mortgage

• TX
• 77429

• Debt collection
• Mortgage debt

• Attempts to collect debt not owed
• Debt was result of identity theft

• CA
• 95070

• Mortgage
• FHA mortgage

• Trouble during payment process

• TX
• 77471

• Mortgage
• Reverse mortgage

• Struggling to pay mortgage

• NJ
• 07018

We were repeatedly told to forward all legal information to the legal department - which we did several times in XX/XX/XXXX and XX/XX/XXXX. In XX/XX/XXXX the account was later sold by XXXX XXXX XXXX to Nationstar d/b/a Champion Mortgage after being found guilty of fraud and predatory loan practices for reverse mortgages. We have never been contacted that the mortgage changed companies. My mother passed away on XX/XX/XXXX. Once again I reached out to find out what needed to be done with the home being that as her surviving family I was living with her to take care of her. We did not receive a response from either company. In the beginning of XX/XX/XXXX letters from Champion started arriving. They were statements of money owed. I reached out to Champion again to inform them that my mother had passed. They claimed during each call that it would be noted. However, it never was. They would send three party vendors to the home to speak to my late mother. I would tell them she passed away. They would jot information down on their notebooks but still return in the next couple of weeks. Eventually, they stopped ringing the bell and just tossed their literature on the porch and leave. A year went by as I continued to reach out for Champion, and still to no avail. I then enlisted the help of an attorney. He reached out to Champion in writing, and they refused to provide him with any information or items requestsed. The notices stopped, but I did not as I wanted to make sure that everything was handled properly. I was informed that I would be granted a certain amount of time after her passing to settle everything and decide if I wanted to keep the home. If I wanted to maintain the home, I was supposed to be able to buy it at a discounted price. I still reached out to Champion over the next five years to let them know A ) My mother passed B ) To supply them with the legal documents showing I was the handler of her estate C ) That I wanted to keep the home. During this time also due to my mother 's willing of the property to me, The probate court of NJ transferred the home to me and issued me a new deed. It officially became mines in XX/XX/XXXX. I continued to reach out to Champion, calling the numbers on the notices left and still would get the runaround. Told to fax my documents to legal and then being told they never got them. On XX/XX/XXXX, I called Champion as I normally had to again ask for guidance on what to do with the home. They again told me to fax over documentation. On XX/XX/XXXX, I received a notification that stated current resident. I started to throw it away as junk mail, but something told me to open it. It was a notification that the house was going up for sheriff 's sale on XX/XX/XXXX. My daughter looked it up on the county 's website, and it was confirmed. We were never notified about this until this advertisement. No official letters were sent, no one came by the house, no documents were left. I contacted Champion once again, and they stated the documentation never made it to them again. They asked could I please send it over one more time. On XX/XX/XXXX, I received a package from Champion stating that they received my request for information on satisfying the reverse mortgage loan balance. They stated they were willing to offer a discounted rate for sale, however, they could not mortgage it for me. On XX/XX/XXXX, I received another notification from Champion stating they had gotten the request to update the account authorization for the estate. I called and spoke to the same representative that had assisted me on XX/XX/XXXX. She told me to write a hardship letter and submit it to her. I wrote the letter and faxed it over that evening. The letter stated that I was requesting a postponement of the Sherriff 's sale so that I could find a mortgage or a way to purchase the house. I was told to give the letter some time. I did, nothing was resolved. I obtained another lawyer as my previous one retired during this whole drawn out process. My current attorney confirmed that the sale was not postponed. He requested the original documentation of the sale. I contacted Champion again to have them sent. On XX/XX/XXXX I went down to the XXXX County sheriff 's department and postponed the sheriff 's sale until XXXX/XXXX/XXXX. Also, I also finally received what was being alleged as the original paperwork. I question the originality of the documents sent to me by Champion because it states the amount of the mortgage at the signing was {$340000.00}. However, according to the documentation that was found by XXXX County court system, the actual amount XXXX XXXX XXXX claimed to have given her was {$220000.00} on XX/XX/XXXX. {$120000.00} of the {$340000.00} was paid to satisfy my mother 's debt with the bankruptcy court. The bankruptcy was then closed. However, does not leave a balance of XXXX. Instead, that leaves a balance of {$220.00}, XXXX that should have been given to my mother ( if a lump sum was paid ). Also, this would also mean that {$120000.00} would have been paid back to XXXX XXXX XXXX to lower the amount owed. In which case this becomes a regular mortgage, not a right reverse mortgage as my mother was lead to believe. Point of note a XXXX XXXX evaluation/appraisal of the property in XX/XX/XXXX stated the value of the asset was only {$87000.00}. There were no modifications or repairs made between XX/XX/XXXX and XX/XX/XXXX. Therefore the amount is highly questionable. Why would an organization give out so much money, on a property that did not have a value to this sum? Also, did they even pay for the original amount that was meant to go to my mother? Why were we not given proper notification? I have many questions and grievances with XXXX XXXX XXXX, XXXX XXXX, and Champion Mortgage. The predatory actions of all three companies have been documented, and this case should be investigated. They could not produce answers when I filed my first complaint, so they opted to state the person filing it ( my daughter ) was not an authorized person to speak to. This is AFTER they updated CFPB twice they were working on a response. They had no response, they were looking for a loophole to avoid this case being looked into any further.

• Debt collection
• Mortgage debt

• Attempts to collect debt not owed
• Debt was paid

• FL
• 32526

• Mortgage
• Conventional home mortgage

• Trouble during payment process

• GA
• 30096

• Mortgage
• Conventional home mortgage

• Applying for a mortgage or refinancing an existing mortgage

• NJ
• 08755

• Mortgage
• Conventional home mortgage

• Trouble during payment process

• VA
• 20191

• Credit reporting, credit repair services, or other personal consumer reports
• Other personal consumer report

• Improper use of your report
• Report provided to employer without your written authorization

• NM
• XXXXX

• Mortgage
• Conventional home mortgage

• Trouble during payment process

• CA
• XXXXX

• Mortgage
• Conventional home mortgage

• Trouble during payment process

• AZ
• 85331

• Mortgage
• FHA mortgage

• Struggling to pay mortgage

• OH
• 441XX

• Mortgage
• FHA mortgage

• Trouble during payment process

• FL
• XXXXX

• Mortgage
• Conventional home mortgage

• Trouble during payment process

• MN
• 55410

I have had over a dozen mortgages in my lifetime, 3 mortgages currently, ( One of which is Nationstar sadly ) several personal loans, credit cards, auto loans and more and have never ever once missed a single payment with any of these companies. SOMEHOW, EXCEPT OF COURSE NATIONSTAR..?? I purchased a home in XXXX and it was sold within a month and bought by Nationstar. Since they have taken over, I have had nothing but problems with them causing me so much money in fees, it makes me sick to think about. The last year has been the worse with them, from them holding my payments that were made, saying they have n't received them, or every person telling me something different, or telling me I have to speak with my assigned loan specialist XXXX XXXX ( WHO NEVER RETURNS ANY CALLS!! ), to putting me in a loan modification that I did n't even want to do, to using my so called NOT received monthly payments and applying them to fees being applied on my account, that ca n't be explained, by anyone of course, but by XXXX. I 've showed proof of payments, that they say were n't received and of course I was incorrect. Then the next person I speak to, says something different and tells me there is money ( Several months worth of payments ), that have n't been applied yet, but needs to do some research to find out why. She ca n't get answers for me, but says I need to again reach out to XXXX, who never calls back to get it figured out. I called back again and the next person says Oh, I see you were short {$.00} ( Yes, that 's correct XXXX XXXX cents ) and since a full payment was n't made, your payment has n't been applied. I then make this missing {$.00} payment, that my automatic payment somehow did n't make correctly, and it still does n't get applied. Making me late, yet another month of course, because now it 's the XX/XX/XXXX and the next month 's payment is due on the XXXX. I ended up paying the next month 's regular payment around the XXXX of {$1300.00} and all of the sudden, 4 prior month 's payments posted to my account..???? I call and ask what the heck is going on and they said, because I am in a loan modification, payments had to be a complete full modified payments and not partial payments, so payments were n't being applied and were sitting in an account. So when the {$.00} was short and I made the payment of the difference, they did n't apply the payment, because it was n't one full required modified payment. 2 months that they had received prior, went towards more fees, not the loan, over $ 3k!!! If you are confused at this point, DO N'T WORRY.. SO AM!! The modified payment, I did n't even want, but was somehow on, even without signing any papers. They told my daughter I had to do it in order to get my loan current or pay $ XXXX??. They spoke to my daughter who lives in the house. She was trying to figure out for us where the money is, from the payments that were made every month, is going and that she does n't have $ XXXX to get caught up, as she 's already been making her payments each month and does n't have extra money to pay 9 months of payments again all at once?? So, they ask what her household income is, not mine, the person on loan and apparently used that to decide, that we could do a modification, even though she told them, it 's not her loan, it 's my parents. They say oh it 's ok, it 's the address on the loans household income, so that is fine. I received the papers, asking me to sign the new loan documents, after they spoke with her. UMMM NO!!! I AM NOT SIGNING FRAUDLANT PAPERS, SO YOU CAN USE IT AGAINST ME LATER AND SAY I LIED AND TAKE MY DAUGHTERS HOME!!!! ..WHAT THE ACTUAL XXXX XXXX XXXX XXXX? Now, I am back to dealing with them and figuring out what is needed to get removed from the modification loan ( that again I did n't even sign papers to be on ) and caught up on regular payments. At this point, I plan to deal with the issues later, so I do n't get further behind and lose this house, because at this point it was in foreclosure status. I ask for an EXACT amount to be paid including fees, that will catch us up completely. They give me an amount of about {$9700.00} still, this is including money they still have in an account, not applied yet. XXXX???? You 've had my money for months, but were n't applying it and are just purposely not applying it, so you can charge me fees and take my money.? Anyhow, they send me a document, showing an amount they said I needed to pay to get caught up and be completely current, including any fees owed!! I go to my bank and WIRE them the EXACT AMOUNT TO THE PENNY, they said was owed. It gets applied and the next day it says I still owe another {$1400.00} or so in fees, that were n't included in the document. WAIT WHAT?? NOT GON NA HAPPEN!! I am finally showing current on my account, after fighting for almost a year now, however my statements still stay I owe more fees. I refuse to pay anymore fees, since I have a document of them telling me what needed to be paid to be current. It should n't be my fault they did n't give the correct number?? I am still working with them to get the fees removed, but have n't had any luck yet, but at least my loan is showing current now. OH, THE BEST PART. XXXX FINALLY CALLS AFTER 7 MONTHS AND SAYS, I WAS JUST MAKING SURE EVERYTHING GOT RESOLVED FOR YOU? REALLY???? THEY ARE A SCAM!

• Mortgage
• Reverse mortgage

• Struggling to pay mortgage

• CT
• 06606

• Mortgage
• Conventional home mortgage

• Struggling to pay mortgage

• NC
• 279XX

• Mortgage
• Conventional home mortgage

• Incorrect information on your report
• Account status incorrect

• CA
• 95377

• Mortgage
• Conventional home mortgage

• Struggling to pay mortgage

• FL
• 33033

• Mortgage
• Conventional home mortgage

• Trouble during payment process

• TX
• 75019

• Mortgage
• VA mortgage

• Trouble during payment process

• CO
• 80831

• Mortgage
• Conventional home mortgage

• Closing on a mortgage

• VA
• 20110

• Debt collection
• Mortgage debt

• Took or threatened to take negative or legal action
• Seized or attempted to seize your property

• TN
• 38118

• Mortgage
• Other type of mortgage

• Struggling to pay mortgage

• CA
• 95616

• Mortgage
• VA mortgage

• Trouble during payment process

• GA
• 30252

• Mortgage
• Conventional home mortgage

• Trouble during payment process

• CA
• 91356

• Mortgage
• Conventional home mortgage

• Trouble during payment process

• CO
• 80112

On XX/XX/XXXX I decided to change bank accounts from which my payment would be drawn. According to the Nationstar website, the auto-payment was successfully set up for withdrawal from the new account. In addition, I received a confirmation email from Nationstar stating that the auto payment was set up successfully. Nationstar gave me every indication that my long standing account was set up properly, and that auto payments would be made on time. Unfortunately, they did not give me the correct information.

Over the next four months, I never received any letters from Nationstar indicating a payment was late, or was in arrears. However, I did receive approximately 20 letters from Nationstar solicitating me to refinance my loan. I was later told by four different representatives of Nationstar that if my loan was late, I should have received calls from their payment department. I never received any late letters, nor did I receive any calls.

On XX/XX/XXXX I called Nationstar to inquire about refinancing to a 15 yr fixed. I spoke to XXXX, and was absolutely shocked to learn that my loan showed two late payments. XXXX stated that the XX/XX/XXXX payment was never recorded, but that XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX were made automatically and on time. My account had accrued late charges, and mortgage lates had been reported to the credit bureaus. XXXX said told me that it was Nationstar 's fault, that he would reverse the charges and request his supervisors retract the late payment reports from the credit bureaus. XXXX said I needed to make two payments online to bring my account current, and that it needed to be done before a refi could take place. I asked XXXX if autopay was set up, and he confirmed that it was, hence the auto-pay payments made XX/XX/XXXX through XX/XX/XXXX. I immediately made the payments on-line. This call was recorded by Nationstar. I also spoke with a Nationstar rep regarding the refinance. He offered a rate of 3.5 % plus approx {$2000.00} in rate discount fees for a HARP loan, with the only documentation required was one month 's bank statements, and the declaration page of my homeowner 's insurance. No other documents would be required.

On XX/XX/XXXX I spoke with XXXX XXXX, VP Nationstar Consumer Affairs, who confirmed that I should have received letters and calls. He believed that that the mix up in the system was due to changing the ACH auto payment accounts. He told me he would forward the information to a supervisor. Neither XXXX or a supervisor followed up with me. I have this call recorded.

On XX/XX/XXXX I spoke with a competing mortgage broker to compare rates. They offered 3.25 % and a {$750.00} ysp rate credit. They contacted me the next day to inform me that they could not offer me that rate, as Nationstar had reported two recent mortgage lates. Apparently, XXXX 's supervisor had not reversed the reporting.

On XX/XX/XXXX I again called Nationstar, and spoke with supervisor XXXX XXXX. XXXX was thorough, and researched the issue. He confirmed that even though the system confirmed that my autopay was successfully set up in XX/XX/XXXX, it never charged my account for a XX/XX/XXXX payment ( even though it confirmed a successful setup ). He also told me that the system had cancelled my autopay on XX/XX/XXXX, and per the system this was per a customer request from XX/XX/XXXX ( six months later? ). I never requested that my autopay be cancelled, yet again, Nationstar charged me another late fee. Nationstar 's system cancelled the autopay, I did not. XXXX also told me that it appeared XXXX had attempted to make a credit to my account back in XX/XX/XXXX, but he could not find that it was made. XXXX also said that XXXX did not follow protocol to reverse the mortgage lates. XXXX said that notices of late payments were sent to my inbox that I could have accessed had I logged into my on-line account, which I did once in seven years. He also told me that their records indicate that I requested zero communication from them during my talk with XXXX. This is not true, I requested all advertising stop, not any notices regarding my account. I have a recording of this call.

To the best of my knowledge, I am current on my mortgage and have reinstated autopay. However, Nationstar, by the fault of their system has caused me harm. I have made every good faith effort to pay them on time, yet they have charged me late fees and have reported me as late to the credit reporting companies. Their reporting me late has prohibited me from refinancing my home, a home that I had never made a late payment on before dealing with Nationstar.

I request the following actions from Nationstar : 1. Reverse all late fees charged to me account. 2. Reverse all reports to the credit bureaus that any late payments were made. 3. Refinance my loan on a 15yr fixed at 3.25 %, r ate and term, with a ysp credit of {$750.00}, on a HARP loan. These are the terms that I could have received if Nationstar had not been in error.

Again, I had perfect credit up until this issue. I never in my life had a late mortgage payment. I made every good faith effort to pay Nationstar on time, and in full for every payment. They failed to notify me that there was any issue per their own procedures.

• Mortgage
• Home equity loan or line of credit (HELOC)

• Trouble during payment process

• TX
• XXXXX

• Mortgage
• FHA mortgage

• Trouble during payment process

• MI
• 48313

The first time while Nationstar Mortgage, LLC. helped us secure a loan for the missed 2 payments, late fees and miscellaneous charges up to date and a second time when we were two months behind on our mortgage and sent in the next months payment Nationstar Mortgage, LLC. said it was applied the payment incorrectly and quickly reversed the 2nd foreclosure although we were still forced to pay for both of the foreclosure fees and Nationstar Mortgage, LLC. told us there was n't any way to remove those two foreclosure charges although no actual foreclosure was completed. We spoke with an attorney in XX/XX/XXXX and we decided to file for Chapter XXXX bankruptcy to get our finances in order and stop any possible future foreclosures.

Our Charter XXXX bankruptcy was recently XXXX in XXXX. Nationstar Mortgage, LLC. attorney, XXXX XXXX XXXX of XXXX XXXX XXXX, XXXX completed the Form XXXX Final Cure letter stating all of the debtor 's prepetition and postpetition payments consistent with 1322 ( b ) ( 5 ) of the Bankruptcy Code were up to date including escrow and any other fees or charges and the debtors were also up to date all payments. The debtor 's first payment must be paid on XX/XX/XXXX. The Nationstar Mortgage, LLC. attorney mailed a copy of the Form XXXX to the Chapter XXXX to the bankruptcy trustee XXXX XXXX XXXX, our attorney XXXX XXXX XXXX and to us.

I called Nationstar Mortgage, LLC. on XX/XX/XXXX after receiving the discharge and Nationstar Mortgage, LLC. stated that they were unaware that the Chapter XXXX bankruptcy was discharged. I also inquired if Nationstar Mortgage, LLC. had received our XX/XX/XXXX payment and our XX/XX/XXXX payments and they said they did but, my XX/XX/XXXX payment was used to pay the overdue payment for XX/XX/XXXX & the last bankruptcy trustee 's payment also paid on XX/XX/XXXX was used to pay the XX/XX/XXXX. Acording to Nationstar Mortgage, LLC. as of XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX payments had n't been paid by the Chapter XXXX Bankruptcy Trustee XXXX XXXX XXXX. The Form XXXX Response to Notice of Final Cure Payment states all payments were up to date. I asked how could all of those payments not have been paid if the attorney Nationstar Mortgage, LLC. hired to complete the Form XXXX told the court that they all are paid? Did the attorney lie to the court? No response from Nationstar Mortgage, LLC.

I called Nationstar Mortgage, LLC. numerous times in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to have Nationstar Mortgage, LLC. to explain why the attorney that they had hired XXXX XXXX XXXX, XXXX. stated all of the prepetition and post petition payments were paid up to date until my XXXX payment that is due on XXXX XXXX, XXXX but, Nationstar Mortgage, LLC stated that on XX/XX/XXXX I still owed for XX/XX/XXXX and XX/XX/XXXX. Nationstar Mortgage, LLC. stated that there are times in a bankruptcy that it takes a while for the payments to be posted properly and advised me to wait until XX/XX/XXXX and call back to see if everything is posted properly. When I called back on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Nationstar Mortgage, LLC. sill told me the same thing.

On XX/XX/XXXX Nationstar Mortgage, LLC. wrote a letter and mailed it to us on XX/XX/XXXX stating that we were at least 30 days past due on our mortgage payments to them.

I called Nationstar Mortgage, LLC. again on XX/XX/XXXX and I was advised again that we still owe for XX/XX/XXXX. I was also told by Nationstar again that my extra XX/XX/XXXX payment was for XX/XX/XXXX, The court paid Nationstar on XX/XX/XXXX and that XX/XX/XXXX payment from the court was posted for XX/XX/XXXX. My 2nd payment in XX/XX/XXXX on XX/XX/XXXX was posted for XX/XX/XXXX and my XX/XX/XXXX payment was posted for XX/XX/XXXX. My 3rd payment for XX/XX/XXXX sent on XX/XX/XXXX was posted on XX/XX/XXXX. Nationstar Mortgage, LLC. told meal I owe right now is for XX/XX/XXXX and XX/XX/XXXX payment is just late. I was informed by Nationstar Mortgage, LLC. there was approx. {$1300.00} in a " suspense '' account and all I needed to send is less than {$700.00} to pay for my XX/XX/XXXX payment to be paid.

I advised Nationstar Mortgage that I just got out of Chapter XXXX bankruptcy in XX/XX/XXXX and already made an extra payment on XX/XX/XXXX that the Trustee also paid on XX/XX/XXXX and I made 3 additional payments myself for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX so I actually wo n't have a payment due until XX/XX/XXXX and I do n't have the extra funds to even make a {$700.00} payment. I was told that I was wrong and that my last payment I paid on XX/XX/XXXX was posted for XX/XX/XXXX and my XX/XX/XXXX payment would be late after XX/XX/XXXX and I would be 2 months overdue on my payments.

I have contacted my bankruptcy attorney at XXXX XXXX XXXX on XX/XX/XXXX to try to get her help in resolving this poor record keeping by Nationstar Mortgage, LLC.

I received my 1st payment statement from Nationstar Mortgage on XX/XX/XXXX for the XX/XX/XXXX, XX/XX/XXXXand the XX/XX/XXXX payments for over {$4000.00}. There were several additional charges listed that I did n't understand but, one of the charges was a property inspection that appears is planning another foreclosure soon and are checking if I still live at the home.

Thanks in Advance, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Home Phone : ( XXXX ) XXXX Cellular Phone : ( XXXX ) XXXX

• Mortgage
• Conventional home mortgage

• Struggling to pay mortgage

• CA
• 92117

• Mortgage
• FHA mortgage

• Trouble during payment process

• FL
• 34293

• Mortgage
• Conventional home mortgage

• Trouble during payment process

• UT
• 84095

• Mortgage
• Conventional home mortgage

• Trouble during payment process

• CA
• 95965

• Mortgage
• Conventional home mortgage

• Struggling to pay mortgage

• IL
• 60804

• Mortgage
• FHA mortgage

• Struggling to pay mortgage

• NM
• 87114

• Mortgage
• FHA mortgage

• Trouble during payment process

• FL
• 34293

• Mortgage
• Conventional home mortgage

• Struggling to pay mortgage

• CA
• 91326

• Mortgage
• Conventional home mortgage

• Struggling to pay mortgage

• NJ
• 07712

• Mortgage
• Conventional home mortgage

• Struggling to pay mortgage

• CA
• 91326

• Mortgage
• FHA mortgage

• Trouble during payment process

• FL
• XXXXX

• Mortgage
• FHA mortgage

• Struggling to pay mortgage

• TX
• 77429

• Mortgage
• Conventional home mortgage

• Trouble during payment process

• MD
• 20785

• Mortgage
• Conventional home mortgage

• Closing on a mortgage

• CA
• 90016

• Mortgage
• Conventional home mortgage

• Trouble during payment process

• FL
• 33025

• Mortgage
• Conventional home mortgage

• Struggling to pay mortgage

• MD
• 210XX

• Mortgage
• Conventional home mortgage

• Applying for a mortgage or refinancing an existing mortgage

• WA
• 98375

• Mortgage
• VA mortgage

• Struggling to pay mortgage

• NC
• 28602

• Mortgage
• Conventional home mortgage

• Struggling to pay mortgage

• NJ
• 082XX

• Mortgage
• Conventional home mortgage

• Struggling to pay mortgage

• CA
• 91320

• Mortgage
• Conventional home mortgage

• Struggling to pay mortgage

• CA
• 91320

• Mortgage
• Conventional home mortgage

• Struggling to pay mortgage

• TX
• 770XX

• Mortgage
• Conventional home mortgage

• Struggling to pay mortgage

• MD
• 21403

• Mortgage
• Conventional home mortgage

• Struggling to pay mortgage

• VA
• 20110

• Mortgage
• Conventional home mortgage

• Trouble during payment process

• TX
• 75087

• Mortgage
• FHA mortgage

• Struggling to pay mortgage

• NJ
• 08046

• Mortgage
• FHA mortgage

• Trouble during payment process

• FL
• XXXXX

• Mortgage
• Conventional home mortgage

• Trouble during payment process

• NC
• 27529

• Mortgage
• Conventional home mortgage

• Trouble during payment process

• FL
• 34608

• Mortgage
• FHA mortgage

• Struggling to pay mortgage

• IL
• 60148

• Mortgage
• VA mortgage

• Trouble during payment process

• MO
• 64138

• Debt collection
• Mortgage debt

• Written notification about debt
• Didn't receive notice of right to dispute

• FL
• XXXXX

• Mortgage
• FHA mortgage

• Closing on a mortgage

• FL
• 34293

• Mortgage
• FHA mortgage

• Struggling to pay mortgage

• TX
• 75224

• Mortgage
• VA mortgage

• Trouble during payment process

• FL
• 33569

• Debt collection
• Mortgage debt

• Communication tactics
• You told them to stop contacting you, but they keep trying

• LA
• 70461

• Mortgage
• Conventional home mortgage

• Trouble during payment process

• TX
• 77096

• Mortgage
• Other type of mortgage

• Trouble during payment process

• CA
• 952XX

• Mortgage
• FHA mortgage

• Struggling to pay mortgage

• GA
• XXXXX

• Mortgage
• Conventional home mortgage

• Closing on a mortgage

• CA
• 932XX

• Mortgage
• Conventional home mortgage

• Struggling to pay mortgage

• MD
• 20774

• Mortgage
• Conventional home mortgage

• Struggling to pay mortgage

• AP
• XXXXX

• Mortgage
• Conventional home mortgage

• Trouble during payment process

• CA
• 92553

• Mortgage
• FHA mortgage

• Trouble during payment process

• FL
• 34293

• Mortgage
• FHA mortgage

• Trouble during payment process

• FL
• XXXXX

• Mortgage
• FHA mortgage

• Struggling to pay mortgage

• TX
• 77433

• Mortgage
• Conventional home mortgage

• Trouble during payment process

• FL
• 33174

• Mortgage
• Conventional home mortgage

• Trouble during payment process

• CA
• 90068

• Mortgage
• FHA mortgage

• Struggling to pay mortgage

• CO
• 80003

• Mortgage
• Conventional home mortgage

• Trouble during payment process

• TX
• 79423

• Mortgage
• FHA mortgage

• Trouble during payment process

• CO
• 81001

• Mortgage
• FHA mortgage

• Trouble during payment process

• KS
• 672XX

• Mortgage
• Conventional home mortgage

• Trouble during payment process

• NJ
• 080XX

NOW MY IM FACING FORECLOSURE BECAUSE NATIONSTAR IS REFUSING TO ALLOW ME TO ENTER INTO THE SAME HAMP OF XX/XX/XXXX WRON GFULLY AND XXXX STOLE HUNDREDS AND THOUSANDS FROM ME TO NOT EVEN NOTIFY ME ABOUT THE HAMP TOO OFFER FROM NATIONSTAR SO I COULD PAY, INSTEAD THEY COLLECTED, XX/XX/XXXX P AYMENT OF XXXX .

PRESENTLY MY LENDER NATIONSTAR HAS A COMPLETE HAMP APPLICATION UNDER REVIEW ANDI SHOULD BE ACCEPTED INTO THE SAME PROGRAM BAC K IN XX/XX/XXXX . SEE ATTACHED!

MY INCOME DOES SUPPORT THE AFFORDABILITY OF THE HAMP PROGAM PAYMENT AND I WILL MAKE THE PAYMENT ONCE APPROVED! IM ELIGIBLE DUE TO SUPPLEMENTAL DIRECTIVE 16-02 SEE ATTACHED I HAVE BEEN TRYING TO WORK WITH MY LENDER FOR A LOAN MODIFICATION/ATTORNEY GENERAL NATIONAL MORTGAGE RELIEF SETTLEMENT. MY LENDER HAS BEEN DELAYING CONSIDERATION OF THE MORTGAGE APPLICATION, " LOSING '' DOCUMENTS, CONSTANTLY REQUIRING ADDITIONAL ITEMS, MAKING ME SUBMIT NEW DOCUMENTS BECAUSE THE ONES ALREADY SUBMITTED ARE TOO OLD ( BECAUSE THE LENDER DRAGGED ITS FEET ), DUAL-TRACKING ( FILING A FORECLOSURE COMPLAINT WHEN A MODIFICATION With the new expansion to the making home affordable program specifi cally Supplemental Directive 12-02 EFFECTIVE S INC E XX/XX/XXXX !!!!!!!!!!. Based on the new HAMP guidelines from the Supplemental Di rective 12-02 d ate d XX/XX/XXXX , titled " Making Home Affordable Program- MHA Extensio n and Expansion '' by the Obama Administration which is effective now, here is a list of the some of the new changes : Expansion of eligibility : HAMP was designed to bring the debt ratio of mortgage borrowers down to 31 % of their income. Those whose mortgage payments were already below that level had been ineligible for a modification. They may qualify now. The new guidelines will allow for a more flexible approach that takes other debt into account when calculating debt-to-income ratios. Extension of eligibility to owners of rentals properties : The old HAMP rules applied solely to owner-occupied homes but now those who own rental properties may also qualify for a HAMP modification. Triple balance-reduction incentives : The new HAMP will pay between XXXX cents and XXXX cents for every dollar that lenders take off the mortgage principal, up from between XXXX cents and XXXX cents. Pay XXXX and XXXX the same incentives : Currently, XXXX XXXX and XXXX XXXX do not offer principal reduction plans as part of their HAMP modifications. To encourage this assistance, Treasury said it will pay the same principal reduction incentives to XXXX XXXX or XXXX XXXX if they allow servicers to forgive principal in conjunction with a HAMP modification. See attached 16-02 Supplemental directive 16-02 H AMP WAS ESTABLISHED IN XX/XX/XXXX BY OBA MA AND XXXX XXXX ACCEPTED TARP FUNDS TO ALLOW HOMEOWNERS FACING DEFAULT TO ENTER INTO AFFORDABLE HAMP PROGRAM. XXXX XXXX HAS BEEN DELAYING MY CONSIDERATION FOR THIS PROGRAM for years AND now! I N XX/XX/XXXX O BAMA INTRODUCED SUPPLEMENTAL DIRECTI VE 12-02 EXPANSION TO HAMP, AND XXXX XXXX AGAIN AVOIDED ALL HAMP PROGRAMS. IN XX/XX/XXXX , OBAMA EXTENDED THE HAMP PROGRAM THROUGH OUT XX/XX/XXXX onl y IF YOU SUBMITTED XXXX COMPONENT OF THE LOSS MIT APPLICATION TO XXXX XXXX IN XX/XX/XXXX , XXXX XXXX HAS TO MODIFY UNDER HAMP UNTI L XX/XX/XXXX , I submitted MULTIPLE COMPONENTS APPLICATIONS in XX/XX/XXXX . SEE AT TACHED

• Mortgage
• FHA mortgage

• Application, originator, mortgage broker

• AL
• 36609

• Mortgage
• Conventional home mortgage

• Struggling to pay mortgage

• MA
• 027XX

• Mortgage
• Conventional home mortgage

• Struggling to pay mortgage

• CA
• 91784

• Mortgage
• Conventional fixed mortgage

• Loan servicing, payments, escrow account

• NY
• 08755

• Credit reporting, credit repair services, or other personal consumer reports
• Credit reporting

• Incorrect information on your report
• Account status incorrect

• FL
• 336XX

• Mortgage
• Conventional fixed mortgage

• Loan servicing, payments, escrow account

• CA
• 922XX

• Credit reporting, credit repair services, or other personal consumer reports
• Credit reporting

• Problem with a credit reporting company's investigation into an existing problem
• Their investigation did not fix an error on your report

• IN
• 470XX

• Debt collection
• Mortgage debt

• False statements or representation
• Attempted to collect wrong amount

• UT
• 84062

• Mortgage
• Conventional fixed mortgage

• Loan modification,collection,foreclosure

• MN
• 558XX

• Mortgage
• FHA mortgage

• Struggling to pay mortgage

• MD
• 21228

• Mortgage
• FHA mortgage

• Loan modification,collection,foreclosure

• CA
• 95409

• Mortgage
• Conventional home mortgage

• Trouble during payment process

• NJ
• 07110

• Mortgage
• Conventional home mortgage

• Trouble during payment process

• NJ
• XXXXX

• Mortgage
• Conventional home mortgage

• Struggling to pay mortgage

• CA
• XXXXX

• Mortgage
• Conventional fixed mortgage

• Loan servicing, payments, escrow account

• FL
• 328XX

• Mortgage
• Conventional fixed mortgage

• Loan servicing, payments, escrow account

• OR
• 97229

• Mortgage
• Conventional adjustable mortgage (ARM)

• Loan modification,collection,foreclosure

• CA
• 91001

• Mortgage
• Conventional home mortgage

• Trouble during payment process

• CA
• 91355

• Mortgage
• FHA mortgage

• Application, originator, mortgage broker

• FL
• 34293

• Mortgage
• Conventional fixed mortgage

• Loan servicing, payments, escrow account

• CA
• 94112

• Mortgage
• Other mortgage

• Loan modification,collection,foreclosure

• CA
• 91001

• Mortgage
• FHA mortgage

• Loan servicing, payments, escrow account

• FL
• 34293

• Mortgage
• Conventional fixed mortgage

• Loan modification,collection,foreclosure

• AZ
• 85710

• Mortgage
• FHA mortgage

• Loan servicing, payments, escrow account

• OH
• 43220

• Mortgage
• Other mortgage

• Loan modification,collection,foreclosure

• CA
• 91350

• Mortgage
• FHA mortgage

• Loan servicing, payments, escrow account

• FL
• 34293

• Mortgage
• Conventional adjustable mortgage (ARM)

• Loan modification,collection,foreclosure

• CA
• XXXXX

• Debt collection
• Mortgage debt

• Attempts to collect debt not owed
• Debt is not yours

• VA
• XXXXX

• Mortgage
• FHA mortgage

• Loan servicing, payments, escrow account

• FL
• 34293

• Mortgage
• Conventional fixed mortgage

• Credit decision / Underwriting

• TX
• 77373

• Mortgage
• Other mortgage

• Loan servicing, payments, escrow account

• IL
• 60804

• Mortgage
• Conventional adjustable mortgage (ARM)

• Loan modification,collection,foreclosure

• GA
• 30017

• Mortgage
• Conventional fixed mortgage

• Loan servicing, payments, escrow account

• MD
• 217XX

• Credit reporting, credit repair services, or other personal consumer reports
• Credit reporting

• Incorrect information on your report
• Account status incorrect

• AL
• 357XX

• Mortgage
• Conventional fixed mortgage

• Loan modification,collection,foreclosure

• WA
• 985XX

• Mortgage
• FHA mortgage

• Loan servicing, payments, escrow account

• FL
• 34293

• Mortgage
• FHA mortgage

• Loan servicing, payments, escrow account

• FL
• 34293

• Mortgage
• Conventional fixed mortgage

• Loan modification,collection,foreclosure

• FL
• 33569

• Mortgage
• Reverse mortgage

• Loan modification,collection,foreclosure

• VA
• 233XX

• Mortgage
• Conventional fixed mortgage

• Loan modification,collection,foreclosure

• FL
• 334XX

• Mortgage
• Conventional fixed mortgage

• Loan modification,collection,foreclosure

• WI
• 541XX

• Mortgage
• Conventional adjustable mortgage (ARM)

• Loan modification,collection,foreclosure

• CA
• 91001

• Mortgage
• FHA mortgage

• Application, originator, mortgage broker

• FL
• 34293

• Mortgage
• Other mortgage

• Application, originator, mortgage broker

• NY
• 11691

• Mortgage
• FHA mortgage

• Loan modification,collection,foreclosure

• LA
• 70809

• Mortgage
• Conventional adjustable mortgage (ARM)

• Application, originator, mortgage broker

• CA
• 95688

• Mortgage
• Conventional fixed mortgage

• Loan modification,collection,foreclosure

• CA
• 95965

• Mortgage
• FHA mortgage

• Application, originator, mortgage broker

• TX
• 77904

• Mortgage
• Reverse mortgage

• Loan servicing, payments, escrow account

• TX
• 78028

• Mortgage
• Conventional adjustable mortgage (ARM)

• Loan modification,collection,foreclosure

• CA
• 94804

• Mortgage
• Home equity loan or line of credit

• Loan modification,collection,foreclosure

• DE
• 19709

• Mortgage
• Conventional adjustable mortgage (ARM)

• Loan modification,collection,foreclosure

• CA
• 95472

• Mortgage
• Conventional fixed mortgage

• Loan modification,collection,foreclosure

• LA
• 700XX

• Mortgage
• Conventional adjustable mortgage (ARM)

• Loan modification,collection,foreclosure

• FL
• 34202

• Mortgage
• Conventional fixed mortgage

• Loan modification,collection,foreclosure

• AL
• 83854

• Mortgage
• Conventional fixed mortgage

• Loan servicing, payments, escrow account

• CA
• 92504

• Mortgage
• Other mortgage

• Loan modification,collection,foreclosure

• CA
• 91364

• Mortgage
• FHA mortgage

• Loan modification,collection,foreclosure

• OH
• 435XX

• Mortgage
• Conventional fixed mortgage

• Loan modification,collection,foreclosure

• CA
• 92592

• Mortgage
• Conventional fixed mortgage

• Loan modification,collection,foreclosure

• MI
• 48168

• Mortgage
• Conventional fixed mortgage

• Loan servicing, payments, escrow account

• MA
• 021XX

• Mortgage
• FHA mortgage

• Loan servicing, payments, escrow account

• FL
• 34293

• Mortgage
• FHA mortgage

• Application, originator, mortgage broker

• FL
• 34293

• Mortgage
• Conventional adjustable mortgage (ARM)

• Loan modification,collection,foreclosure

• WA
• 98026

• Mortgage
• Conventional adjustable mortgage (ARM)

• Loan servicing, payments, escrow account

• AZ
• 85254

• Mortgage
• Conventional fixed mortgage

• Loan servicing, payments, escrow account

• NC
• 27516

• Mortgage
• FHA mortgage

• Application, originator, mortgage broker

• FL
• 34293

• Mortgage
• Conventional fixed mortgage

• Loan modification,collection,foreclosure

• CO
• XXXXX

• Mortgage
• Conventional fixed mortgage

• Loan servicing, payments, escrow account

• OK
• 73120

• Mortgage
• Conventional adjustable mortgage (ARM)

• Loan servicing, payments, escrow account

• NJ
• 088XX

• Mortgage
• Conventional fixed mortgage

• Loan modification,collection,foreclosure

• IL
• 60804

• Mortgage
• Conventional fixed mortgage

• Loan modification,collection,foreclosure

• OH
• 43123

• Mortgage
• VA mortgage

• Loan servicing, payments, escrow account

• VA
• 22408

• Mortgage
• Conventional fixed mortgage

• Loan servicing, payments, escrow account

• LA
• 70726

• Mortgage
• Conventional adjustable mortgage (ARM)

• Loan modification,collection,foreclosure

• FL
• 33177

• Mortgage
• Conventional fixed mortgage

• Loan modification,collection,foreclosure

• IL
• 60804

• Mortgage
• VA mortgage

• Loan modification,collection,foreclosure

• FL
• 322XX

• Mortgage
• Conventional fixed mortgage

• Loan modification,collection,foreclosure

• VA
• 23112

• Mortgage
• Other mortgage

• Loan modification,collection,foreclosure

• CA
• 93035

• Mortgage
• FHA mortgage

• Application, originator, mortgage broker

• FL
• 34293

• Mortgage
• Conventional fixed mortgage

• Loan modification,collection,foreclosure

• UT
• 843XX

• Mortgage
• Conventional adjustable mortgage (ARM)

• Loan modification,collection,foreclosure

• FL
• 32779

• Mortgage
• Other mortgage

• Loan servicing, payments, escrow account

• NV
• 89015

• Mortgage
• Conventional adjustable mortgage (ARM)

• Loan modification,collection,foreclosure

• CA
• 907XX

• Mortgage
• Conventional fixed mortgage

• Loan servicing, payments, escrow account

• NY
• 11213

• Mortgage
• Conventional fixed mortgage

• Loan servicing, payments, escrow account

• FL
• 338XX

• Mortgage
• Conventional fixed mortgage

• Loan modification,collection,foreclosure

• PA
• XXXXX

• Mortgage
• Other mortgage

• Loan servicing, payments, escrow account

• ME
• 045XX

• Mortgage
• Conventional adjustable mortgage (ARM)

• Loan servicing, payments, escrow account

• FL
• 33027

• Mortgage
• FHA mortgage

• Application, originator, mortgage broker

• TX
• 77459

• Mortgage
• Conventional adjustable mortgage (ARM)

• Loan modification,collection,foreclosure

• CA
• 92606

• Mortgage
• Conventional fixed mortgage

• Loan modification,collection,foreclosure

• CA
• 92078

• Mortgage
• Conventional adjustable mortgage (ARM)

• Loan modification,collection,foreclosure

• CA
• 92028

• Mortgage
• Conventional fixed mortgage

• Settlement process and costs

• PA
• 190XX

• Mortgage
• FHA mortgage

• Loan servicing, payments, escrow account

• FL
• 34293

• Mortgage
• FHA mortgage

• Loan servicing, payments, escrow account

• TX
• 79928

• Mortgage
• Conventional adjustable mortgage (ARM)

• Application, originator, mortgage broker

• FL
• 32258

• Mortgage
• Conventional fixed mortgage

• Loan modification,collection,foreclosure

• FL
• 33707

• Mortgage
• FHA mortgage

• Loan servicing, payments, escrow account

• OK
• 74135

• Mortgage
• Conventional fixed mortgage

• Loan servicing, payments, escrow account

• TX
• 75069

• Mortgage
• Conventional fixed mortgage

• Loan modification,collection,foreclosure

• MA
• 02151

• Mortgage
• Other mortgage

• Loan servicing, payments, escrow account

• CA
• 95070

• Mortgage
• FHA mortgage

• Application, originator, mortgage broker

• TX
• 77044

• Mortgage
• Other mortgage

• Settlement process and costs

• MD
• 20735

• Mortgage
• Conventional home mortgage

• Struggling to pay mortgage

• LA
• 70131

• Mortgage
• FHA mortgage

• Loan modification,collection,foreclosure

• GA
• 30017

• Mortgage
• Other mortgage

• Loan modification,collection,foreclosure

• FL
• 33324

• Mortgage
• Conventional fixed mortgage

• Loan modification,collection,foreclosure

• MN
• 55128

• Mortgage
• Conventional fixed mortgage

• Loan modification,collection,foreclosure

• DE
• 19701

• Mortgage
• Conventional fixed mortgage

• Loan servicing, payments, escrow account

• NC
• 285XX

• Mortgage
• Conventional adjustable mortgage (ARM)

• Settlement process and costs

• WA
• 98375

• Mortgage
• Conventional adjustable mortgage (ARM)

• Loan modification,collection,foreclosure

• TN
• 37069

• Mortgage
• Conventional home mortgage

• Struggling to pay mortgage

• HI
• 967XX

• Mortgage
• Conventional fixed mortgage

• Loan modification,collection,foreclosure

• FL
• 33707

• Mortgage
• FHA mortgage

• Loan modification,collection,foreclosure

• ID
• 836XX

• Mortgage
• Conventional adjustable mortgage (ARM)

• Loan modification,collection,foreclosure

• IN
• 460XX

• Mortgage
• FHA mortgage

• Loan modification,collection,foreclosure

• MA
• XXXXX

• Mortgage
• Other mortgage

• Loan modification,collection,foreclosure

• MD
• 206XX

• Mortgage
• Conventional home mortgage

• Struggling to pay mortgage

• NY
• 142XX

• Mortgage
• Other mortgage

• Loan servicing, payments, escrow account

• TN
• 77316

• Mortgage
• Conventional fixed mortgage

• Loan modification,collection,foreclosure

• NJ
• 07719

• Mortgage
• FHA mortgage

• Loan servicing, payments, escrow account

• FL
• 34293

• Mortgage
• Conventional fixed mortgage

• Loan servicing, payments, escrow account

• CA
• 91001

• Mortgage
• Conventional adjustable mortgage (ARM)

• Loan modification,collection,foreclosure

• IL
• 60626

• Mortgage
• Conventional fixed mortgage

• Loan servicing, payments, escrow account

• AL
• 354XX

• Mortgage
• Conventional fixed mortgage

• Settlement process and costs

• WA
• 985XX

• Mortgage
• Conventional fixed mortgage

• Loan modification,collection,foreclosure

• CA
• 91913

• Mortgage
• Conventional home mortgage

• Applying for a mortgage or refinancing an existing mortgage

• CA
• 91942

• Mortgage
• Conventional fixed mortgage

• Loan servicing, payments, escrow account

• GA
• 31405

• Mortgage
• Home equity loan or line of credit

• Loan modification,collection,foreclosure

• MA
• 026XX

• Mortgage
• Conventional adjustable mortgage (ARM)

• Loan servicing, payments, escrow account

• CA
• 90720

• Mortgage
• Conventional fixed mortgage

• Loan modification,collection,foreclosure

• WY
• 82801

• Mortgage
• Conventional fixed mortgage

• Loan servicing, payments, escrow account

• LA
• 708XX

• Mortgage
• Other mortgage

• Loan modification,collection,foreclosure

• FL
• 33414

• Mortgage
• Conventional fixed mortgage

• Loan servicing, payments, escrow account

• CA
• XXXXX

• Mortgage
• FHA mortgage

• Loan modification,collection,foreclosure

• TX
• 797XX

• Credit reporting

• Incorrect information on credit report
• Account terms

• FL
• 334XX

• Mortgage
• Conventional adjustable mortgage (ARM)

• Loan modification,collection,foreclosure

• FL
• 32773

• Mortgage
• Conventional adjustable mortgage (ARM)

• Loan servicing, payments, escrow account

• CA
• 91302

• Mortgage
• Conventional fixed mortgage

• Loan servicing, payments, escrow account

• CA
• 95307

• Mortgage
• Conventional fixed mortgage

• Loan servicing, payments, escrow account

• AL
• 350XX

• Mortgage
• Conventional fixed mortgage

• Loan servicing, payments, escrow account

• CO
• 804XX

• Mortgage
• Conventional fixed mortgage

• Loan servicing, payments, escrow account

• CA
• XXXXX

• Debt collection
• Mortgage

• Cont'd attempts collect debt not owed
• Debt was paid

• WA
• 98391

• Debt collection
• Mortgage

• Cont'd attempts collect debt not owed
• Debt was paid

• WV
• 259XX

• Mortgage
• Reverse mortgage

• Loan modification,collection,foreclosure

• NY
• 12804

• Mortgage
• Conventional home mortgage

• Trouble during payment process

• KY
• 40222

• Mortgage
• FHA mortgage

• Application, originator, mortgage broker

• FL
• 34293

• Mortgage
• Other mortgage

• Loan modification,collection,foreclosure

• CA
• 95616

• Mortgage
• Conventional adjustable mortgage (ARM)

• Loan servicing, payments, escrow account

• GA
• 30052

• Mortgage
• Conventional fixed mortgage

• Loan servicing, payments, escrow account

• CA
• 94531

• Mortgage
• Conventional fixed mortgage

• Loan servicing, payments, escrow account

• IL
• 60585

• Mortgage
• Conventional adjustable mortgage (ARM)

• Application, originator, mortgage broker

• CA
• 92024

• Mortgage
• Other mortgage

• Loan modification,collection,foreclosure

• CA
• 93550

• Mortgage
• Conventional adjustable mortgage (ARM)

• Loan modification,collection,foreclosure

• CA
• 93003

• Mortgage
• Conventional fixed mortgage

• Loan modification,collection,foreclosure

• MA
• 026XX

• Mortgage
• Other mortgage

• Loan servicing, payments, escrow account

• IL
• 60050

• Mortgage
• Conventional adjustable mortgage (ARM)

• Loan modification,collection,foreclosure

• FL
• 339XX

• Mortgage
• Other mortgage

• Loan modification,collection,foreclosure

• UT
• 84092

• Credit reporting, credit repair services, or other personal consumer reports
• Credit reporting

• Problem with a credit reporting company's investigation into an existing problem
• Their investigation did not fix an error on your report

• IN
• 470XX

• Credit reporting, credit repair services, or other personal consumer reports
• Credit reporting

• Problem with a credit reporting company's investigation into an existing problem
• Their investigation did not fix an error on your report

• IN
• 470XX

• Bank account or service
• Other bank product/service

• Account opening, closing, or management

• TN
• 37043

• Mortgage
• FHA mortgage

• Settlement process and costs

• LA
• 708XX

• Mortgage
• VA mortgage

• Loan servicing, payments, escrow account

• SC
• 29910

• Mortgage
• Conventional home mortgage

• Struggling to pay mortgage

• NJ
• 07748

• Mortgage
• Conventional home mortgage

• Struggling to pay mortgage

• VA
• 20169

• Mortgage
• Conventional adjustable mortgage (ARM)

• Loan modification,collection,foreclosure

• CA
• 91784

• Mortgage
• Conventional fixed mortgage

• Loan modification,collection,foreclosure

• NY
• 11003

• Mortgage
• Conventional adjustable mortgage (ARM)

• Loan modification,collection,foreclosure

• NV
• 89014

• Mortgage
• Conventional fixed mortgage

• Application, originator, mortgage broker

• TX
• 752XX

• Mortgage
• Conventional fixed mortgage

• Loan modification,collection,foreclosure

• FL
• 325XX

• Mortgage
• Conventional home mortgage

• Trouble during payment process

• MA
• 027XX

• Mortgage
• Conventional fixed mortgage

• Loan servicing, payments, escrow account

• TX
• 77373

• Mortgage
• Conventional adjustable mortgage (ARM)

• Loan modification,collection,foreclosure

• CA
• 92595

• Mortgage
• Other mortgage

• Loan modification,collection,foreclosure

• IL
• 62801

• Mortgage
• Conventional adjustable mortgage (ARM)

• Loan servicing, payments, escrow account

• FL
• 33138

• Mortgage
• Conventional fixed mortgage

• Loan servicing, payments, escrow account

• VA
• 242XX

• Mortgage
• Conventional adjustable mortgage (ARM)

• Loan servicing, payments, escrow account

• NY
• XXXXX

• Mortgage
• FHA mortgage

• Trouble during payment process

• CA
• 90802

• Mortgage
• Other mortgage

• Settlement process and costs

• CA
• 94590

• Mortgage
• Conventional fixed mortgage

• Loan modification,collection,foreclosure

• ME
• 04240

• Mortgage
• Conventional home mortgage

• Struggling to pay mortgage

• CA
• 91356

• Mortgage
• Conventional fixed mortgage

• Application, originator, mortgage broker

• MD
• 20850

• Mortgage
• Conventional home mortgage

• Applying for a mortgage or refinancing an existing mortgage

• OR
• 97007

• Mortgage
• Conventional fixed mortgage

• Loan modification,collection,foreclosure

• FL
• 334XX

• Credit reporting, credit repair services, or other personal consumer reports
• Credit reporting

• Incorrect information on your report
• Account status incorrect

• WA
• 98801

• Mortgage
• Other mortgage

• Loan modification,collection,foreclosure

• NY
• 11413

• Mortgage
• FHA mortgage

• Application, originator, mortgage broker

• FL
• 34293

• Mortgage
• FHA mortgage

• Loan servicing, payments, escrow account

• FL
• 34293

• Mortgage
• FHA mortgage

• Loan servicing, payments, escrow account

• CA
• 91402

• Mortgage
• Conventional fixed mortgage

• Loan modification,collection,foreclosure

• NC
• 286XX

• Mortgage
• Other mortgage

• Loan modification,collection,foreclosure

• CA
• 90803

• Mortgage
• Conventional home mortgage

• Struggling to pay mortgage

• NJ
• 07508

• Mortgage
• Conventional fixed mortgage

• Loan servicing, payments, escrow account

• IL
• 60005

• Mortgage
• Other mortgage

• Loan servicing, payments, escrow account

• FL
• 33173

• Mortgage
• Conventional home mortgage

• Trouble during payment process

• CA
• 94110

• Mortgage
• Conventional adjustable mortgage (ARM)

• Loan servicing, payments, escrow account

• TX
• 76109

• Mortgage
• Conventional fixed mortgage

• Application, originator, mortgage broker

• TX
• 752XX

• Mortgage
• Conventional adjustable mortgage (ARM)

• Loan modification,collection,foreclosure

• OH
• 44118

• Mortgage
• Other type of mortgage

• Struggling to pay mortgage

• CA
• 90069

• Mortgage
• FHA mortgage

• Loan servicing, payments, escrow account

• FL
• 34293

• Mortgage
• Conventional adjustable mortgage (ARM)

• Loan modification,collection,foreclosure

• WA
• 98042

• Mortgage
• FHA mortgage

• Loan modification,collection,foreclosure

• CA
• 92683

• Mortgage
• Conventional fixed mortgage

• Loan modification,collection,foreclosure

• WA
• 985XX

• Mortgage
• VA mortgage

• Loan modification,collection,foreclosure

• TX
• 76209

• Mortgage
• Conventional fixed mortgage

• Application, originator, mortgage broker

• TX
• 752XX

• Mortgage
• Conventional fixed mortgage

• Loan modification,collection,foreclosure

• FL
• 324XX

• Mortgage
• FHA mortgage

• Struggling to pay mortgage

• MD
• 206XX

• Mortgage
• Conventional adjustable mortgage (ARM)

• Loan servicing, payments, escrow account

• GA
• 30324

• Payday loan, title loan, or personal loan
• Title loan

• Struggling to pay your loan

• LA
• XXXXX

• Mortgage
• Conventional home mortgage

• Trouble during payment process

• VA
• 22304

She also told me there is an issue with my Master Condo Policy and HO6 ( Hazards insurance ). She transferred me to XXXX in the insurance department. XXXX did not know what was going on with my insurance. She stated I had Traveler as an insurer. I informed her it was XXXX and has always been. She said they didnt have my Master Condo Policy on file. I told her all of that should have come over from the previous lender. A lot of confusion talking to XXXX ; she understood there was an issue, but didnt have any answers. She asked me to have the Master Condo policy faxed to XXXX by the management office, which I did. The office gave me proof it was faxed, but when I called back they said they didnt have it. They also wanted me to have XXXX fax the HO6 to the same number. When I talked to XXXX, they said they had Nationstar as the lender and would send the policy again. To add to this insurance issue, XXXX said there wasnt a line item for the HO6 and I had to pay it XX/XX/XXXX. XXXX said my payment is due in XXXX, not XXXX. The HO6 has always been in my escrow. Two months was collected at closing, it was always covered in my escrow.

I called XXXX on XX/XX/XXXX to see if they could help figure this out. I spoke to Agent XXXX. All I got was a blame game and know answers. I called XXXX on XX/XX/XXXX. They said they didnt have anything to do with funds collected and to call XXXX XXXX. I called XXXX XXXX on XX/XX/XXXX. XXXX XXXX ( XXXX processor ) said I should call the person that did the loan, XXXX XXXX ( XXXX ). When I talked to her she understood it was a mess and said she would help. I explained I paid fees to them and XXXX to make sure things needed was done correctly at closing. Now my escrow is messed up and nobody seems to be of any help. She thought too much was paid for property tax. She told me she would have an answer when I returned from vacation on XX/XX/XXXX. When I reached out to her on XXXX XXXX, she said she could not find anything out.

I called the city about the taxes and they had not been over paid. Not only that, payment forXX/XX/XXXX XX/XX/XXXXfrom the previous owner did not get paid. Because they didnt get paid, I had to pay them, but I didnt know the funds came out of my escrow.

There was some confusion on the XXXX taxes. In XXXX I received a notice from the city stating taxes due XX/XX/XXXXnever was paid. There were late fees and penalties. The blame game again between XXXX and Nationstar. Finally Nationstar paid them and sent me a letter saying they were sorry they were late and I would not be accessed the fees.

In addition to this needing to be figure out, I feel I should not have to pay the extra money in XXXX. I hope you can help me.

• Mortgage
• Conventional fixed mortgage

• Settlement process and costs

• CA
• XXXXX

• Mortgage
• Conventional adjustable mortgage (ARM)

• Loan modification,collection,foreclosure

• CA
• 90241

• Mortgage
• FHA mortgage

• Loan servicing, payments, escrow account

• TX
• 77429

• Mortgage
• Conventional home mortgage

• Struggling to pay mortgage

• MI
• 488XX

• Mortgage
• Conventional fixed mortgage

• Loan modification,collection,foreclosure

• WY
• 82801

• Mortgage
• FHA mortgage

• Loan modification,collection,foreclosure

• LA
• 707XX

• Mortgage
• Other mortgage

• Loan modification,collection,foreclosure

• FL
• 33414

• Mortgage
• Conventional home mortgage

• Struggling to pay mortgage

• CA
• XXXXX

What we would like to see happen : 1 ) Allow XXXX XXXX to at least do a short sale if you are now, after several years, declining him for a loan modification -- - the illegal nature of his loan should at least afford him that. 2 ) Postpone the current foreclosure auction set forXX/XX/XXXX 3 ) Start complying with federal guidelines for loan modification processing -- - we continually hear the same complaints over and over again about lost paper work, phone calls not returned, incomplete work, etc. etc. 4 ) Start complying with State and Federal laws. If the homeowner cant qualify for a loan modification, give them alternatives that are actually realistic ( NOT DEED IN LIEUs as we both know you DO NOT DO them in California. Especially when there are second trust deeds involved ).

I know that this will likely fall on deaf ears as Nationstars goal has never been to actually service their clients loans in a legal are ethical nature ( Nationstar is the only lender that we currently deal with that our clients that are current on their mortgages actually refinance for the sole purpose of getting away from your Company and their ill-mannered and questionable demeanor and servicing tactics ). I realize that by changing your name to XXXX XXXX that you believe that the internet and the general public will not remember the ills of your past, I am here to tell you that until you figure out how to actually service mortgages in a legal manner this will never happen. I look forward to your response.

• Mortgage
• Home equity loan or line of credit

• Loan servicing, payments, escrow account

• FL
• 33024

• Mortgage
• FHA mortgage

• Loan modification,collection,foreclosure

• FL
• 32526

• Mortgage
• Conventional home mortgage

• Applying for a mortgage or refinancing an existing mortgage

• CA
• XXXXX

• Mortgage
• Conventional adjustable mortgage (ARM)

• Loan modification,collection,foreclosure

• CA
• 94589

• Mortgage
• Other mortgage

• Loan servicing, payments, escrow account

• FL
• 32233

• Mortgage
• Reverse mortgage

• Loan modification,collection,foreclosure

• TX
• 78028

• Mortgage
• Conventional adjustable mortgage (ARM)

• Loan modification,collection,foreclosure

• CA
• 92028

• Mortgage
• Conventional home mortgage

• Trouble during payment process

• VA
• 22304

• Mortgage
• Other mortgage

• Loan modification,collection,foreclosure

• AZ
• 852XX

• Mortgage
• Conventional home mortgage

• Struggling to pay mortgage

• FL
• XXXXX

• Mortgage
• Conventional fixed mortgage

• Loan servicing, payments, escrow account

• TX
• 75070

• Mortgage
• Conventional fixed mortgage

• Loan servicing, payments, escrow account

• FL
• 34243

• Mortgage
• Other mortgage

• Loan modification,collection,foreclosure

• MD
• 207XX

• Mortgage
• Conventional fixed mortgage

• Loan servicing, payments, escrow account

• CO
• 816XX

• Mortgage
• Conventional adjustable mortgage (ARM)

• Loan modification,collection,foreclosure

• AZ
• 863XX

• Mortgage
• FHA mortgage

• Loan modification,collection,foreclosure

• FL
• 33068

• Mortgage
• VA mortgage

• Loan servicing, payments, escrow account

• WI
• 53704

• Mortgage
• Conventional fixed mortgage

• Loan servicing, payments, escrow account

• CO
• 816XX

• Mortgage
• Other mortgage

• Loan servicing, payments, escrow account

• CA
• 91354

• Mortgage
• FHA mortgage

• Trouble during payment process

• GA
• 30060

• Mortgage
• Conventional fixed mortgage

• Loan modification,collection,foreclosure

• IL
• 601XX

• Mortgage
• FHA mortgage

• Struggling to pay mortgage

• IN
• 462XX

• Mortgage
• Conventional home mortgage

• Struggling to pay mortgage

• FL
• 34266

• Mortgage
• Conventional fixed mortgage

• Settlement process and costs

• CA
• 924XX

• Mortgage
• Conventional fixed mortgage

• Settlement process and costs

• CA
• 91748

• Mortgage
• FHA mortgage

• Loan modification,collection,foreclosure

• VA
• 22079

• Mortgage
• Conventional adjustable mortgage (ARM)

• Loan modification,collection,foreclosure

• MA
• 010XX

• Mortgage
• Conventional fixed mortgage

• Loan servicing, payments, escrow account

• MA
• 02445

• Mortgage
• FHA mortgage

• Loan modification,collection,foreclosure

• KY
• 40422

• Mortgage
• Conventional fixed mortgage

• Loan modification,collection,foreclosure

• NC
• 286XX

• Mortgage
• Home equity loan or line of credit

• Loan modification,collection,foreclosure

• FL
• 33311

• Mortgage
• Conventional fixed mortgage

• Loan servicing, payments, escrow account

• CA
• 91604

• Mortgage
• Conventional adjustable mortgage (ARM)

• Loan modification,collection,foreclosure

• NH
• 038XX

• Mortgage
• Conventional adjustable mortgage (ARM)

• Loan servicing, payments, escrow account

• OK
• 73012

• Mortgage
• Conventional fixed mortgage

• Loan servicing, payments, escrow account

• NV
• 89436

• Mortgage
• Conventional fixed mortgage

• Application, originator, mortgage broker

• CA
• 95969

• Mortgage
• VA mortgage

• Loan modification,collection,foreclosure

• NC
• 28547

• Mortgage
• Conventional home mortgage

• Struggling to pay mortgage

• NJ
• 07052

• Mortgage
• Conventional adjustable mortgage (ARM)

• Loan modification,collection,foreclosure

• IL
• 60626

• Debt collection
• Mortgage

• Disclosure verification of debt
• Not given enough info to verify debt

• WA
• 98052

• Mortgage
• Conventional adjustable mortgage (ARM)

• Loan servicing, payments, escrow account

• CA
• 90731

• Mortgage
• Conventional home mortgage

• Applying for a mortgage or refinancing an existing mortgage

• XXXXX

• Mortgage
• Conventional home mortgage

• Trouble during payment process

• FL
• 34205

• Mortgage
• FHA mortgage

• Loan servicing, payments, escrow account

• FL
• 34293

• Mortgage
• Other mortgage

• Loan modification,collection,foreclosure

• MO
• 64063

• Mortgage
• Conventional home mortgage

• Closing on a mortgage

• GA
• 305XX

• Mortgage
• Conventional adjustable mortgage (ARM)

• Loan servicing, payments, escrow account

• NY
• 117XX

• Credit reporting, credit repair services, or other personal consumer reports
• Credit reporting

• Incorrect information on your report
• Account information incorrect

• NJ
• 08873

• Mortgage
• FHA mortgage

• Trouble during payment process

• TX
• 78660

• Mortgage
• Conventional home mortgage

• Struggling to pay mortgage

• MI
• 49509

• Mortgage
• Conventional fixed mortgage

• Loan modification,collection,foreclosure

• FL
• 33444

• Mortgage
• Conventional fixed mortgage

• Loan servicing, payments, escrow account

• NY
• 10304

• Debt collection
• Mortgage debt

• Took or threatened to take negative or legal action
• Collected or attempted to collect exempt funds

• NM
• XXXXX

• Mortgage
• Conventional home mortgage

• Trouble during payment process

• VA
• 220XX

• Mortgage
• Conventional fixed mortgage

• Loan servicing, payments, escrow account

• IL
• 60616

• Mortgage
• Conventional fixed mortgage

• Loan servicing, payments, escrow account

• NH
• 032XX

• Mortgage
• Conventional home mortgage

• Struggling to pay mortgage

• NC
• 286XX

In XXXX we had a sale date of XXXX ; because of your intervention the sale date was postponed and ultimately cancelled. After continuous paperwork and submitting a financial package a modification was approved and my 1st payment was supposed to begin in XX/XX/XXXX . I made my 1st pa yment and 2 days before my 2nd w as due I received a letter stating that my modification paperwork had not been signed and dated on one of the pages. They were going to send me the page that they said was incorrect and told me to not make my 2nd p ayment until they had the documentation they needed to proceed. When I received the page, I signed and dated it and sent in back to them.

The next time I heard from them, they informed me that the modification was no longer valid because the payments had not been paid and there was a glitch in the paperwork. They said I needed to begin the process again so I sent them a complete financial package again ( RMA Package ) and waited for them to process the paperwork through their Underwriting Dept.

Soon after I received a Notice of Sale for the date of XX/XX/XXXX . When I called them up to inquire about the sale date I was told that there must be some mistake because my modification package was still in review. They were going to check into it and get back to me and assured me that it would get straightened out. 1024.41 ( b ) Receipt o f Loss Mitigation application - A servicer shall exercise reasonable diligence in obtaining documents and information to complete a loss mitigation application.

About 10 days after that conversation I received another letter stating that the sale date had been moved to XX/XX/XXXX instead of XX/XX/XXXX . I immediately called them to find out what was going on and told them that I was in review for a modification. They told me that the Underwriting Dept. needed a minimum of 37 days to review a homeowner for a modification so there wasnt enough time to modify the loan. Are you kidding me??? There was plenty of time to review until they moved the sale date up 30 days!!! Violation of The Real Estate Settlement Procedures Act ( Regulation X ) 1024.41 Loss mitigation procedures. The Consumer Financial Protection Bureau established rules to protect mortgage borrowers from costly surprises and runarounds by their servicers.

They now tell me there is nothing they can do to postpone the sale date or modify the loan. Nationstar continues to violate the Dodd-Frank Consumer Protection Act . They have dual-tracked my mortgage while avoiding an opportunity to work out something rather than foreclosure for us. 1024.41 ( g ) Dual Tracking is prohibited. Servicers can not start a foreclosure proceeding if a borrower has already submitted a complete application for a loan modification or other alternative to foreclosure. CFPBs mortgage servicing rules ensure that borrowers in trouble get a fair process to avoid foreclosure, borrowers shouldnt be surprised by the start of a foreclosure proceeding until they have had time to explore all available options.

Please help us again with this egregious, unlawful attempt by Nationstar to take our home that we love. The sale date is XX/XX/XXXX , PLEASE HELP!!!

XXXX XXXX & XXXX XXXX

• Mortgage
• FHA mortgage

• Credit decision / Underwriting

• NJ
• 08854

• Mortgage
• FHA mortgage

• Loan servicing, payments, escrow account

• FL
• 32526

• Mortgage
• Conventional fixed mortgage

• Loan servicing, payments, escrow account

• OK
• 73072

• Credit reporting, credit repair services, or other personal consumer reports
• Credit reporting

• Incorrect information on your report
• Account status incorrect

• FL
• 32825

• Mortgage
• Conventional adjustable mortgage (ARM)

• Loan servicing, payments, escrow account

• WA
• 98023

• Mortgage
• FHA mortgage

• Closing on a mortgage

• FL
• XXXXX

• Mortgage
• Conventional fixed mortgage

• Loan modification,collection,foreclosure

• OR
• 975XX

• Mortgage
• Conventional fixed mortgage

• Application, originator, mortgage broker

• IL
• 60637

• Mortgage
• Conventional fixed mortgage

• Loan servicing, payments, escrow account

• SC
• 29154

• Credit reporting, credit repair services, or other personal consumer reports
• Credit reporting

• Problem with a credit reporting company's investigation into an existing problem
• Their investigation did not fix an error on your report

• IN
• 470XX

• Debt collection
• Mortgage

• Cont'd attempts collect debt not owed
• Debt was paid

• UT
• 84067

• Mortgage
• Conventional fixed mortgage

• Loan modification,collection,foreclosure

• WY
• 82801

• Mortgage
• Conventional home mortgage

• Struggling to pay mortgage

• NY
• 11234

• Mortgage
• FHA mortgage

• Loan servicing, payments, escrow account

• FL
• 34293

• Mortgage
• Conventional adjustable mortgage (ARM)

• Loan modification,collection,foreclosure

• NC
• 28083

• Mortgage
• Other mortgage

• Loan modification,collection,foreclosure

• MN
• 557XX

• Mortgage
• Conventional home mortgage

• Trouble during payment process

• CA
• 92354

• Mortgage
• FHA mortgage

• Loan servicing, payments, escrow account

• GA
• 301XX

• Mortgage
• Conventional fixed mortgage

• Loan modification,collection,foreclosure

• CA
• 92336

• Mortgage
• Conventional fixed mortgage

• Loan servicing, payments, escrow account

• CA
• 91945

• Mortgage
• Conventional fixed mortgage

• Loan modification,collection,foreclosure

• CA
• 91604

• Debt collection
• I do not know

• Attempts to collect debt not owed
• Debt was already discharged in bankruptcy and is no longer owed

• CA
• 95391

This law firm XXXX XXXX XXXX SB # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX, CA XXXX telephone XXXX He is working with a company XXXX XXXX, XXXX to commit fraud on the XXXX FAMILY, this law firm and the above company is also working with a company named XXXX XXXX, and XXXX XXXX XXXX, whom XXXX had already wrote demand to validated the debt letters to, and letters disupting the debt. Even Though these letters were sent out the these entities XXXX XXXX, XXXX, XXXX XXXX, and XXXX DEFAULT SERVICES, none every responded to XXXX which was their Article/Title 5 responsibility to do. Once the fraud was committed by XXXX XXXX, and XXXX XXXX XXXX, then XXXX XXXX, XXXX was also sent the letters from XXXX and also did not respond. Currently, XXXX XXXX, XXXX, is working with XXXX XXXX XXXX that is creating fake documents with XXXX XXXX, XXXX to steal the XXXX home and property. XXXX sent out documents to rebut all presumptions of XXXX XXXX, XXXX. XXXX were supposed to have a jury trial till a summary judgement for unlawful detainer was filed. Currently XXXX had a judgment not in their favor, even thought they showed a judge evidence that they have not debt to foreclose on. And own the Note and are in possession of the note that invalidates the deed of trust that they are trying to foreclose on. There are other evidence that show there is no debt like a report from the secretary of state on the UCC that shows there is no debt since XX/XX/XXXX and no current debt owed. I have filed over 15 reports about that same senario but different parties doing this to us over and over again. The XXXX XXXX XXXX XXXX in this case was also trying to work for the Plaintiff and was rushing to judgment even though he did not look through the paperwork. Much of the paperwork prepared by XXXX XXXX XXXX was all manufactured fraudulent done by XXXX XXXX, XXXX. XXXX found out that the judge also has a pension based in mortgage backed securities and also retired back in XX/XX/XXXX. He has been out of active practice of law for 10 years, and XXXX asked him about certain cases he had no idea, not even knowledgable of IRC 860G and REMIC trusts so he was not qualified to judge this case. XXXX feel he acted prejudicail to XXXX XXXX, XXXX, since he was helping them craft arguments against XXXX. Each argument XXXX objection handled and diffused. Explaining that there was no mortgage to foreclose on, and that the Judgment listed in the count record was from court fees XXXX already paid through the court to the county comptroller. So there is no judgment or mortgage debt they could have purchased in a foreclosure auction. This is a new tactic since they did not respond to any of the other debt dispute letters/or demand for debt validation, any of the companies perpetrating this fraud were non-compliant to respond.

• Mortgage
• Reverse mortgage

• Trouble during payment process

• PA
• 19047

• Mortgage
• Conventional fixed mortgage

• Loan modification,collection,foreclosure

• MA
• 01906

• Mortgage
• FHA mortgage

• Loan modification,collection,foreclosure

• CT
• 06118

• Mortgage
• Conventional adjustable mortgage (ARM)

• Loan modification,collection,foreclosure

• CA
• 90043

• Mortgage
• FHA mortgage

• Loan modification,collection,foreclosure

• PA
• 19401

• Mortgage
• FHA mortgage

• Struggling to pay mortgage

• TX
• 76036

• Mortgage
• Conventional fixed mortgage

• Loan servicing, payments, escrow account

• OH
• 45011

• Mortgage
• Reverse mortgage

• Loan servicing, payments, escrow account

• OR
• 97068

• Debt collection
• Mortgage

• Taking/threatening an illegal action
• Threatened to sue on too old debt

• TX
• 752XX

• Debt collection
• Mortgage