Consumer complaint received 2016-02-25
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX XXXX, XXXX, i received foreclosure and loan modification advisory letter from County of XXXX. This means Nationstar is trying to foreclose my home. I bought the house in XXXX and paid my mortgage frequently. XXXX XXXX, XXXX they raised my taxes from {$420.00} to {$940.00} that is a raise of {$510.00} per month. This is wrong. My whole taxes for a whole year is {$6100.00}. Dividing that in 12 months is {$510.00} minus what I pay regularly {$420.00} difference is {$87.00}. This means that my escrow from XXXX XXXX, XXXX need to go up with adding the {$87.00}. My regular payment from {$1800.00} when we add the escrow of {$87.00} my new mortgage payment should be {$1900.00}, not {$2300.00}. They are wrong in the amount of {$430.00}. XXXX XXXX, XXXX they took from my XXXX XXXX XXXX account {$1800.00} and statement is attached. XXXX XXXX, XXXX they cashed my XXXX XXXX check in the amount of {$1800.00} check # XXXX, attached is front & back of check. I mailed a check from XXXX XXXX in the amount of {$1800.00} dated XXXX XXXX, XXXX and they cashed the check one ( 1 ) day earlier, XXXX XXXX, XXXX, check # XXXX and statement attached. From XXXX XXXX, XXXX till XXXX XXXX, XXXX I paid 3 months mortgage. I was short in escrow for 3 months, in the amount of {$260.00}. XXXX and XXXX they returned my payments. Now I owe payments for XXXX, XXXX, XXXX and XXXX a total of 4 months. Monthly {$1900.00} X XXXX = {$7700.00} + XXXX the difference = {$8000.00}. To cover all months of their mistake to the end of XXXX is a total amount of {$8000.00}. If Nationstar Bank makes the corrections and email me the correct amount I have no problem to pay my mortgage. And I can forget NationStar 's mistake. Nationstar can give order to XXXX As Trustee or acting as Agent for the Beneficiary ( XXXX XXXX, Assistant Secretary & Vice President ) to stop the foreclosure and to stop harassing my family with the letters and postings. I have spoken to them many, many times from XXXX XXXX to present, I have faxed documents and proofs that they are wrong about 4-5 times and they make only one correction they charged me double payment in XXXX XXXX. And they returned my payment. It took them more than one year to make this correction. I do not like to have the same mistake happen again, because when I spoke to their research Department many many times they say they can not do a lot, I need to speak to the Tax Department, I spoke to Tax Department and explained the same and faxed the proof on XXXX XXXX, XXXX. The same day XXXX XXXX, XXXX I faxed the same documents to the research department. I tried to help them so we all could be on the same page so they make the correct corrections because my taxes went up only {$87.00}, and my correct monthly payment ( principal, Interest, taxes ) is total {$1900.00}, not as they say {$2300.00}. So I can continue to pay my mortgage.

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