Consumer complaint received 2016-09-22
Company: NATIONSTAR MORTGAGE LLC
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My loan has been messed up since XX/XX/XXXX and I have tried to resolve with my new mortgage broker who has not only tried to foreclosed on me but also was aware that at the transfer of the loan the originating principal balance was not correct. There was an error in the transfer of documents per Nationstar but they corrected it. Wrong, they simply were able to get my monthly dollar amount correct but not the past due they still stated I owed from the previous lender. The loan was not even correct when it transferred from XXXX which I have shown Nationstar and who refuses to acknowledge any of it. This company also, entered my home without my consent or knowledge, listing my home as a rental with the county assessors office which increased my property taxes. They listed themselves as the owners and me as a renter in my own home. Nationstar reported me to the credit bureau as deliquent even though they were aware of the error their company had generated and caused when I was told this would not happen. I had conversations with the company where they were suppose to correct the interest and principal payments since the late payments I had made were not my error and was told would be waived by them. I do have this recorded as well via phone conversations but again Nationstar has refused to acknowledge any of this. I even had to file bankruptcy to keep my home from being foreclosed on with them because they refused to work with me in any way. They dragged out my request for a modification for over 5 months while all along still trying to foreclose on me. My loan transferred to Nationstar in XX/XX/XXXX and XX/XX/XXXX I had already recieved foreclosure prevention letters from them when I had never even been late nor missed a payment with my previous lender. My credit was ruined once they reported me 60-90 days past due and its has been all downhill from there. My lines of credit were halted, and all revolving lines of credit was cancelled leaving me with no options and no way to get refinanced. This company has been the ruin to my credit score and all my open lines of credit that I worked for my entire life. The previous lender springleaf also placed lender insurance on my account XX/XX/XXXX when I had already had insurance since XX/XX/XXXX the same insurance carrier since I bought the home and never notified me of this until right before the transfer of the loan which of course I was disputing because I had been arguing with this company about the credits they kept placing on the account instead of applying it towards principal as I had requested. So the lender placed insurance they put on my account basically used up all of my credit which was over a XXXX that should of been placed on principal only originally. But they could n't seem to do this for some reason once my mortgage had transferred to their corp office in Indiana so I was calling in to have it corrected monthly but still never resolved it with XXXX then the account was transferred now leaving me with over 3 years of payments showing no principal hardly because of the issues all stemming back to XX/XX/XXXX lender placed insurance by springleaf. It has been a chain reaction and was only compounded 100 times more by nationstar who has not even attempted to resolve or even help in the matter.

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