I had a horrific experience once again this morning. State Attorneys General will take action against any lending company that breaks the law and treats borrowers unfairly." . The notices did not estimate each class member's recovery. *Important Note from Diane: Everything on this web site is offered for educational purposes only and not intended to provide legal advice, nor create an attorney client relationship between you, me, or the author of any article. Thomas O. Nationstar serviced Warner's home loan and was the first mortgagee on his homeowners Insurance Policy insured by State Farm. and how the errors were resolved; Correct any errors and communicate the resolution to borrowers; and. home loan mortgage corporation, defendants. After I proved that they lied about the loan modification agreement they changed the story that the VA mortgage I have was not assumable because it was only in my husbands name who died March 21, 2019. he agreed to make the payment and I would start in May. To read the complaint and Stipulated Judgment and Order click below: Nationstar, aka Mr. Cooper, is one of the largest mortgage servicers in the country. They are also part of a larger government effort, which also includes assistance from the Special Inspector General for the Troubled Asset Relief Program (SIGTARP) and the United States Trustee Program, to address Nationstars alleged unlawful mortgage loan servicing practices. I hope someone will contact me before I get pushed over the edge again. Click Accept if you consent. WASHINGTON, D.C. Today the Consumer Financial Protection Bureau (Bureau) filed a complaint and proposed stipulated judgment and order against Nationstar Mortgage, LLC, which does business as Mr. Cooper (Nationstar). I was forced into Chapter 13 in order to try and save my home. I am now paying out my nose for rent THANKS MR COOPER!!!!!!! This website is not intended for viewing or usage by European Union citizens. SENT THE INFORMATION THEY ASKED OVER AND OVER KEEP SAYING I DIDNT SEND IT. They send people out to my property taking pictures all the time and everytime they charge 2,000 to 8,000 in fees. Though Class Members are not yet able to file claims, information about the case including the class action complaint and settlement agreement is available on the site. It should be going down not up. Compl. Arizona will receive more than $1.4 million in relief. The proposed judgment and order, which the court entered on December 8, 2020, requires Nationstar to pay approximately $73 million in redress to more than 40,000 harmed borrowers. The mortgage agreement required compliance with all applicable state and federal laws. SALEM, Ore. (KTVZ) -- Oregon Attorney General Ellen Rosenblum announced Monday that mortgage servicer Nationstar will pay $86.3 million to settle allegations that the company violated consumer. Sorry, there is more. I tried to make payments for the back due,, We had been with then for years. Providing credit unions with the best federal advocacy, education and compliance assistance in the industry. Nationstar Mortgage, LLC UNITED STATES DISTRICT COURT EASTERN DISTRICT OF WASHINGTON UPDATE: In March 2019 the Parties reached an agreement to settle the matter. CT-005376-14 Mary L. Wagner, Judge _____ No. We use cookies to improve functionality and performance, enhance user experience, and provide tailored content. The did it anyways. The consent judgment resolves allegations that Nationstar, which does business as "Mr. Cooper," violated consumer protection laws during its servicing of mortgage loans. 20-17114 (9th Cir. I would like to be contacted. My loan was transferred to them 3/4/19 and so far I had them fail to pay home owners insurance from escrow in July 2019 so it lapsed and I paid it myself as well as with property taxes being paid at the last minute. document.getElementById( "ak_js_2" ).setAttribute( "value", ( new Date() ).getTime() ); document.getElementById( "ak_js_3" ).setAttribute( "value", ( new Date() ).getTime() ); document.getElementById( "ak_js_4" ).setAttribute( "value", ( new Date() ).getTime() ); Please note: Top Class Actions is not a settlement Attorneys general from all 50 states and the District of Columbia and bank regulators from 53 jurisdictions covering 48 states and Puerto Rico, the Virgin Islands, and the District of Columbia settled with Nationstar the same day and their settlements are reflected in separate actions, concurrently filed in the United States District Court for the District of Columbia. It is probably the worse company I had to deal with. Nationstar allegedly failed to timely disburse borrowers tax payments from their escrow accounts and failed to properly conduct escrow analyses for borrowers during their Chapter 13 bankruptcy proceedings. WHAT HAPPENS AT THE END OF A COVID-19 FORECLOSURE FORBEARANCE? (ir) Download PDF They went up on my loan balance after taking over my mortgage loan. Mrs. Renfroe alleges that after this transfer, her monthly payments increased . If You Knew You Had a 20% Chance of Not Paying Parent PLUS Loans Would You Take Them Out? If you find yourself in a financial situation that you cant correct on your own, please Call Diane Drain as soon as possible. You must contact the I really wish they would not have bought my mortage. 7-8. Nationstar Mortgage must also submit a compliance plan to the regional director outlining the steps the mortgage servicer will be taking to ensure the actions mandated in the agreement are effectively carried out. Actions does not process claims and we cannot advise you on the Diane and Jay were a pleasure to work with, and it is obvious that they are passionate about helping people get their life back on track. My intention is to put you back in control of your life Attorneys general from all 50 states and the District of Columbia and bank regulators from 53 jurisdictions covering 48 states and Puerto Rico, the Virgin Islands, and the District of Columbia have also settled with Nationstar today and their settlements are reflected in separate actions, concurrently filed in the United States District Court for the District of Columbia. You folks are the BEST OF THE BEST in Arizona. According to the complaint filed by the CFPB, Nationstar Mortgage also known as Mr. Cooper engaged in alleged misconduct and abusive mortgage servicing practices spanning from 2012 to 2015 in violation of the Consumer Financial Protection Act of 2010. Nationstar allegedly foreclosed on borrowers to whom it had promised it would not foreclose while their loss mitigation applications were pending. The lead plaintiff is Martha Keen Stovall, whose mortgage payments are serviced by Mr. Cooper. ("Defendants") stopping a foreclosure sale scheduled for April 2, 2019. This is after my husband died and was having to deal with them constantly. Perform an annual lookback and remediation audit for four years following the effective date of the judgment in order to determine whether any borrowers have received permanent loan modifications with P&I payments that exceed the P&I payments in their trial modifications and redress any consumer harm. I need to be part of this class action law suite because I was mentally tortured in the past and present. Nationstar Mortgage agreed to settle an action commenced by the Consumer Financial Protection Bureau for $91 million to resolve allegations surrounding mortgage servicing misconduct and deceptive practices that resulted in financial harm to borrowers. . v. NATIONSTAR MORTGAGE LLC Appeal from the Circuit Court for Shelby County No. The district court granted summary judgment in favor of Legacy Estates and quieted title in favor of Padeshah. A proposed class action alleges Nationstar Mortgage LLCaka Mr. Cooperhas intentionally mishandled California borrowers' foreclosure-related loan modification requests in an apparent effort to prevent the individuals from pursuing loss prevention options. 8. The settlement came after a multi-year investigation which involved the efforts of the CFPB and state bank regulators. It has left me in a deep state of depression. It also requires Nationstar to pay a $1.5 million civil penalty to the Bureau. Know your options before making a decision not to pay your mortgage. Case 1:20-cv-03550 filed in the United States District Court for the District of Columbia. Subscribe to our RSS feed to get the latest content in your reader. This happend before the pandemic was announced but big bussiness saw china and I believe did this hoping to get over on many>>>>Unfortunatley this lawsuit only probably covers a fraction of the people the have ROBBED. When this all started, my husband passed away, I hired an attorney to do probate and theyve chosen to ignore probate findings. administrator or law firm. The way she handled my not typical circumstances was amazing. Attorneys general from all 50 states and the District of Columbia and bank regulators from 53 jurisdictions covering 48 states and Puerto Rico, the Virgin Islands, and the District of Columbia have also settled with Nationstar today and their settlements are reflected in separate actions, concurrently filed in the United States District Court for the District of Columbia. I was paying escrow, i noticed the escrow acct went from $300.00 to $0.00, i know nothing had been paid by them for this amount. Maryland Code, Commercial Law Article, 12-121. According to the complaint Nationstar : (1) failed to identify thousands of loans with existing in-flight modifications and, as a result, failed to recognize some transferred loans with pending loss mitigation applications or trial modification plans, or failed to identify and honor other borrowers loan modification agreements; (2) foreclosed on borrowers to whom it had promised foreclosure holds while they applied for loss mitigation relief; (3) improperly increased, CFPB and State Attorneys General Settle with Nationstar, aka Mr. Cooper, accused of unfair and deceptive practices, Consumer Financial Protection Bureau (Bureau). Nation Mortgage LLC et al Filing 34 JUDGMENT OF DISMISSAL WITH PREJUDICE by Judge George H Wu: The Court hereby DISMISSES all claims against Nationstar Mortgage LLC, Anthony H (Tony) Barone, and Christine Odom with prejudice. The trial court entered summary judgment in favor of the Defendant on most claims, and servicing, llc, and nationstar . New York State Attorney General | New York State Attorney General Coooer stole my home after 12 years of homeownership. Then I spent 13 months 3 days a week attepthing aloan modification That was turned downed to one piece of paper After several thousands of dollars I have a great law firm in SC Demott Law Firm.. As part of the Regulatory Compliance Team, he provides daily compliance assistance to member credit unions on a variety of topics. I am a disabled vet, I also fought with every dime and it saddens me to see so many people had the same problems or similiar ones as myself. 6 Order on Notice of Mortgage Payment Change, BK-ECF No. How can I join this lawsuit? I have had Mr. Cooper for 1 year and have been working on a streamline refinance with them since November to remove mortgage insurance and get a lower rate. I had nastionstar mortgage and mr cooper. Nationstar . The first case was brought pro se against Nationstar Mortgage, LLC, U.S. Bank National Association and McCurdy Candler. A copy of the . Todays action is the culmination of a multi-year effort working with our state partners to investigate Nationstars failings, which resulted in substantial consumer harm. The Consumer Financial Protection Bureau (CFPB) has filed a complaint and proposed a stipulated judgment and order against Nationstar Mortgage LLC, which does business as Mr. Cooper. 1. No identity verification. Defendants filed their appearance and answer including an affirmative defense and counterclaims on January 1, 2017. NATIONSTAR MORTGAGE LLC, Defendant-Appellee . expected to be mailed out. . The District Court subsequently entered judgment against Joseph on the claims against those two defendants. It also requires Nationstar to pay a $1.5 million civil penalty to the Bureau. I cant say enough good things about Diane. The Bureau alleges that Nationstar violated multiple Federal consumer financial laws, causing substantial harm to the borrowers whose mortgage loans it serviced, including distressed homeowners. Yo no estoy atrasada en los pagos y ahora me notific banco de Amrica que vendi la deuda a esta Nationstar Mortgage. I also have a Mortgage through MR Cooper( Nationstar) they have made our lives a living HELL. According to the complaint Nationstar : (1) failed to identify thousands of loans with existing in-flight modifications and, as a result, failed to recognize some transferred loans with pending loss mitigation applications or trial modification plans, or failed to identify and honor other borrowers loan modification agreements; (2) foreclosed on borrowers to whom it had promised foreclosure holds while they applied for loss mitigation relief; (3) improperly increased In 2006, Mrs. Renfroe refinanced her mortgage with Wilmington Finance, Inc. at a fixed rate of 7.75 percent for a 30-year term, with monthly payments of $998.68. Required fields are marked *. SHOULD I HAVE RECEIVED ANY PAPERWORK AT THIS POINT? The district court granted summary judgment to Nationstar on some but not allof Dorvil's claims. My mortgage was due on the 1st of Oct, on the 19th they sent a man over to my house to take pictures for forclosure and charged me for the service that the man provided. In its complaint, filed in federal district court in the District of Columbia, the Bureau alleges that Nationstar engaged in unfair and deceptive acts and practices in violation of the Consumer Financial Protection Act of 2010, violated the Real Estate Settlement Procedures Act (RESPA), and violated the Homeowners Protection Act of 1998 (HPA). Objection to Nationstar's Proof of Claim and Renewed Objection to Proof of Claim #17 to Clarify Their Request for an Adversary Proceeding, ECF No. Do you think Nationstar is going to pull millions of dollars out of their pockets to pay these fees and penalties? Joseph v. . The proposed settlement was filed in the United States District Court for the District of Columbia on Dec. 7, 2020. please contact the press office. The first case was brought pro se against Nationstar Mortgage, LLC, U.S. Bank National Association and McCurdy Candler. or have questions about the content, ; Document each error alleged in consumer complaints, notices of error, etc. Bankruptcy & Foreclosure Attorney servicing the state of Arizona, Trustees Sale & Foreclosure Law & Case Law, AZ Real Property Tax Liens Articles & Links, Nationstar, aka Mr. Cooper, is one of the largest mortgage servicers in the country. Joseph v. Nationstar Mortgage, LLC, et al., No.1: 13-cv-4122 (N.D. Ga.)(Joseph 1"). Consent Judgment constituting evidence against Defendant except as otherwise noted, and upon Ms. Choi's mortgage was thus assigned to Nationstar. Change Your Mindset. The Honest and Unvarnished Truth. I have reported nationstar to everyone for many years and I cant believe something has not been done.they have committed so many fraudulent practices it is unbelievable.they destroyed my life. A jury eventually rendered a verdict for Dorvil on his . The complaint contends that Nationstar Mortgage would then initiate attempts to collect on the deficiencies without getting the required permission from the bankruptcy court. Any information you obtain from this website should not be construed as legal advice, nor as grounds for forming an attorney-client relationship. Plaintiff Teresa Meaney ("Meaney") has brought suit against Defendant Nationstar Mortgage ("Nationstar") alleging violations of the Truth in Lending Act ("TILA"), 15 U.S.C. ; Have sufficient personnel to review and resolve consumer complaints, notices or error, etc. This case arises from a class action alleging that Nationstar Mortgage LLC violated federal and state consumer-protection laws in servicing the class members' mortgage loans. The Bureau alleges that Nationstar violated multiple Federal consumer financial laws, causing substantial harm to the borrowers whose mortgage loans it serviced, including distressed homeowners. Didnt know when they sent email which said if I made my first three payments of 1058 on time they would modify. We had a strong partnership with our state counterparts in this case and I thank them for all their support in this case., This settlement demonstrates the crucial role of state financial services regulators in ensuring that homeowners are protected as they obtain and pay down their mortgagesespecially homeowners who may be struggling with making their payments, said Illinois Department of Financial and Professional Regulation Secretary Deborah Hagan. Motion for Summary Final Judgment - IN MORTGAGE FORECLOSURE AND REFORMATION OF MORTGAGE AND REFORMATION OF WARRANTY DEADParty: Plaintiff Nationstar Mortgage, LLC March 17, 2015. When these issues were identified several years ago, we immediately made restitution to our impacted customers and invested in process improvements to prevent reoccurrence.. i was with aurora first wtih an interest only loan then sold to nationstar then sold to mr cooper and now just changed to rushmore loan services. They drove me to suicidal ideation and I was on the phone speaking with someone from HUD that I thought could help me and she called 911 and the Sheriffs office sent a police officer and EMS to my house and took me to the Psych Ward. (vomit). I HAD MONEY IN MY HAND they wouldnt take my money. Defendants Patric Warner and Nationstar Mortgage, LLC cross-move for summary judgment to determine who is entitled to insurance proceeds interplead by State Farm Fire and Casualty Company. The Bureaus action is part of a coordinated effort between the Bureau, a multistate group of state attorneys general, and state bank regulators. They have done everything they could..However due to Covid I llost 50@ of my income. your claim status, claim form or questions about when payments are Illinois Department of Financial and Professional Regulation Secretary Deborah Hagan stated in a CFPB press release, This settlement demonstrates the crucial role of state financial services regulators in ensuring that homeowners are protected as they obtain and pay down their mortgagesespecially homeowners who may be struggling with making their payments., In a statement concerning the settlement, Jay Bray, president and CEO of Nationstar Mortgage remarked, We are pleased to resolve this matter. 2023) :: Justia Justia US Law Case Law Federal Courts Courts of Appeals Ninth Circuit 2023 NATIONSTAR MORTGAGE LLC V. LEGACY ESTATES PROPERTY OWNERS, ET AL Judge Treat, and we were successful in getting a Temporary Restraining Order issued against Nationstar Mortgage, LLC and Wells Fargo Bank, N.A. 4617(j)(3) (the Federal Foreclosure Bar) prevented the foreclosure sale . Talking with the customer service personal this morning resembles conversations of the past. They held my payment pending for 15 days some months trying to wait for my bank account to hit negative from another random bill. The CFPB's action is part of a coordinated effort between the bureau, a multistate group of state attorneys general, and state bank regulators. I was granted a loan modification and paid the first payment on October 3, 2021 and they lied and said the modification was denied because the payment had to be in by October 9, 2021 to make the modification approved and they did not receive. 1:20-cv-03551 and Bureau of Consumer Financial Protection v. Nationstar Mortgage, Case No. I know me and my wife was done wrong with our house I been waiting for these people to be gotten its not right. Following protracted litigation, Nationstar, and the Robinsonsnegotiated a $3,0 00,000 settlement. If entered by the court, Nationstar would be required to immediately set aside about $15.6 million to pay borrowers it has not remediated prior to the orders effective date and to certify that it has already paid approximately $57.5 million in redress to other borrowers affected by the conduct alleged in the complaint. The Settlement was given Final Approval on May 3, 2019 by Hon. 92081-8 . Need a lawyer handling this class action lawsuit with nationstar, THEY TOOK MY HOUSE AND 80 ACES I FOUGHT WITH EVERY DIME I HAD LEFT. they woud not work at all with me. The $91 million Nationstar Mortgage settlement resolves allegations of mortgage servicing misconduct and . Specifically, the complaint alleges that Nationstar Mortgage, the third-largest mortgage servicer in the U.S., violated the law by improperly increasing permanently modified monthly loan payments, wrongfully foreclosing on mortgages, failing to honor loan modification agreements, and mismanaging escrow accounts. I cant deal with this anymore! I have spoken to them on the phone over and over again with no help. The settlement agreement also includes provisions for proper escrow management and analysis, servicing transfers, loss mitigation practices, communications concerning private mortgage insurance cancelations, as well as an annual lookback and redress plan. I tried to get a loan mod, i emailed, faxed, us mailed, the paperwork, approx 10 each, the claim they never received it. Nationstar is the country's fourth-largest mortgage servicer. Each of these acts or failures violated the law. 21. It is still happening with this company. I just got a loan modification from Mr Cooper who has doubled my property taxes. I have many stories about how they have treated me. I have been told the most ridiculous things about how the paperwork is not sent in properly. Nationstar also allegedly improperly increased borrowers permanent, modified monthly loan payments, mispresented to borrowers when they would be eligible to have their private mortgage insurance premiums canceled, and failed to timely remove private mortgage insurance from borrowers accounts. Nationstar counterclaimed seeking the same, and the matter proceeded to a bench trial. How to Get Out of Debt Without Getting Scammed and What to Do if You Have Been, The Beach Misses You: A Financial Fable For Happiness And Internal Peace, Get Out of Debt Guy Podcast - Reader Questions - AMEX Arrrgh, Getting Out of Debt and Making Lots of Extra Money is Easy When You Do This One FREE Thing, Is Your Debt Relief Company a Scam and How to Make an Extra $800 a Month to Make Ends Meet. A. The proposed judgment and order, if entered by the court, would require Nationstar to pay approximately $73 million in redress to more than 40,000 harmed borrowers. The settlement. The website for the Nationstar Mortgage settlement is now live. It would also require Nationstar to pay a $1.5 million civil penalty to the Bureau. document.getElementById( "ak_js_1" ).setAttribute( "value", ( new Date() ).getTime() ); My Guide to Getting Out of Debt With Proven Methods and Smart Ideas, Major Changes to All Your Federal Student Loans to Be Eliminated in Bankruptcy, Those That File Bankruptcy Do Better Than Those That Dont, Why Income-Based Student Loan Payments Can Be a Terrible Trap. Why they find it necessary to defraud their customers is beyond me. WHEREAS, Nationstar Mortgage LLC d/b/a Mr. Cooper ("Nationstar") is a Delaware limited liability company with headquarters located in Coppell, Texas and an assigned NMLS identifier number of 2119.. Ever since Hurricane Katrina this company changed their names several times each worsen then the previous.. Just today I called to ask about the tune up checkoffer on line. 131. I need to be added to this Class Action lawsuit. The Arkansas Securities Department, along with state and federal government partners, have closed a multiyear investigation of Nationstar Mortgage LLC, doing business as "Mr. Cooper", the agency announced today. I was charger more money for my home an I had forced-placed insurance, on the home, at that time, an no adjuster came out. I believe i qualify for many Law suits againest them. Mr. Cooper, also known as Nationstar Mortgage, is facing a class action lawsuit lodged by a North Carolina resident for allegedly making several unauthorized withdrawals from her bank account and failing to adequately investigate or fix the issue. The proposed judgment and order, if entered by the court, would require Nationstar to pay approximately $73 million in redress to more than 40,000 harmed borrowers. Gross, unethical, greed in my opinion! Thank you. The Bureaus action is part of a coordinated effort between the Bureau, a multistate group of state attorneys general, and state bank regulators. 3 Nationstar filed a mortgage foreclosure action against defendants on August 5, 2016, alleging that they defaulted on their mortgage and accelerated the full principal amount of the loan as due and payable. The proposed judgment and order, if entered by the court, would require Nationstar to pay approximately $73 million in redress to more than 40,000 harmed borrowers. David joined NAFCU in September 2018. Because we conclude that the trial court properly denied Ms. Torruella's motion, we affirm. 9 Subscribe to our email newsletter. I also would like to know how to join this lawsuit! It was our first home and we just decided to stay so everything familiar was really gone now since I sold my house I feel lost I just want to go home. Attorney Advertising. As of today 12/9/20, property taxes are still outstanding and will be deliquent at 5 p.m. tomorrow 12/10/20. In or about June 2016, while Ms. Choi was still living in the home she purchased, Defendant purchased Plaintiff's mortgage loan from Nationstar's Predecessor-in-Interest. Copyright | TheLaw Office of D.L. Joseph v Nationstar Mortgage, LLC. The consent judgment, filed in the U.S. District Court for the District of Columbia, provides approximately $79.2 million in relief affecting 55,814 loans nationally. I dont know what the 1058 was. Even though I was on a payment plan, they still reported me as late. Consumer Financial Protection Bureau and Multiple States Enter into Settlement with Nationstar Mortgage, LLC for Unlawful Servicing Practices, Explore guides to help you plan for big financial goals, For many struggling mortgage borrowers with home equity, selling their home could be an alternative to foreclosure, CFPB Takes Action Against Carrington Mortgage for Cheating Homeowners out of CARES Act Rights. Discussing finicial rapists! And changed my 30 year note to a forty year note. The orders in the Bureaus and the States actions have yielded nearly $85 million in recoveries for consumers to date and over $6 million more in fees and penalties. Theyve refused my my payments consistently. Nationstar asked the District Court For information on deleting the cookies, please consult your browsers help function. The stipulation mandates that the mortgage servicer maintain a consumer complaint form online that is accessible to borrowers, and provide accurate information to borrowers concerning how they may submit their complaints. Mortgage servicers are entrusted with handling significant financial transactions for millions of Americans, including struggling homeowners. If approved by the court, the stipulated judgment will resolve a number of claims raised by the Consumer Financial Protection Bureau and Attorneys General in every state against Nationstar Mortgage concerning wrongful conduct in connection with the servicers alleged compliance violations and purported history of operational failure. on my property when this started, now with all their fees they have it up to 149,000 + whatever they want to add on. Additionally, the Attorneys General allege in their complaint that the mortgage servicer violated state consumer protection laws which prohibit unfair practices and deceptive acts, as well as the Consumer Financial Protection Act of 2010. How to Try to Get a Refund From a Debt Relief Company, The Ultimate Guide to Dealing With Student Loans You Cant Afford. My dad saved me, I had all the money in bank tried to make the payment they said wait until the 1st and make them all at once then i call on the first and they say im in forclosure. Cooper wouldnt work with her to refinance or even reply to requests for help. Please add meI am the estate for my deceased parents home. Identify the root cause of any errors or issues that Nationstar believes may be caused by systemic issues; Conduct annual escrow account analyses at the end of the escrow account computation year as required by section 1024.17 of Regulation X and send escrow account statements and periodic statements that contain accurate information about borrowers escrow accounts; Pay escrowed items in a timely manner as required by section 1024.17(k) of Regulation X; Implement policies and procedures designed to comply with the requirement in section 1024.38 of Regulation X to have policies and procedures reasonably designed to facilitate transfers of information during servicing transfers; Refrain from offering permanent loan modifications for which the monthly principal and interest (P&I) payment exceeds the P&I payment under a trial modification, unless applicable law, the applicable modification program or investor requirements permit doing so or the borrower fails to make all the required payments due under a trial modification; Provide accurate communications to borrowers about when PMI may be cancelled or terminated; and, Cancel and terminate PMI as required by the Homeowners Protection Act; and. I have called and called and no answers. In its complaint, filed in federal district court in the District of Columbia, the Bureau alleges that Nationstar engaged in unfair and deceptive acts and practices in violation of the Consumer Financial Protection Act of 2010, violated the Real Estate Settlement Procedures Act (RESPA), and violated the Homeowners Protection Act of 1998 (HPA).