Consumer complaint received 2015-07-09
Company: NATIONSTAR MORTGAGE LLC
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XX/XX/XXXX, I entered a no penalty re-payment plan with Nationstar Mortgage, to pay XXXX month mortgage payment of {$2200.00} ; which they claim they had never received when my mortgage transitioned to them and they became the servicer. I spoke with service representative " XXXX '' who communicated, that in order to start the re-payment plan I would have to pay the current month mortgage payment to him in the form of an automatic payment from my checking account in the amount {$2200.00} ( informed that there was an increase in escrow ) and XXXX monthly payments of {$370.00} added to my monthly mortgage. I agreed to let him debit my checking account for {$2200.00} and in XX/XX/XXXX I sent Nationstar a check in the amount of {$2500.00}. During the month of XXXX I was inundated with telephone calls and debt collection letters from Nationstar, stating that I was XXXX months behind in my mortgage ; and they would start foreclosure if I did not pay the sum of {$4700.00}. Upon reaching Nationstar Mortgage XX/XX/XXXX, I spoke with service representative " XXXX ''. I informed XXXX that I was on a repayment plan beginning in XX/XX/XXXX and had authorized an automatic debit from my checking account to Nationstar for my XXXX mortgage and sent my XX/XX/XXXX mortgage payment in along with {$370.00} repayment amount. XXXX explained, for some unknown reason the prior representative ( XXXX ) failed to make the transaction. But, since I had made the XX/XX/XXXX mortgage payment along with the repayment amount he could restart the repayment plan ; if I would make an electronic debit payment with him today in the amount of {$2200.00}, which would care for the XX/XX/XXXX failed transaction. The service representative ( XXXX ) also stated that I would also have to agree to a XX/XX/XXXX automatic debit of my XXXX mortgage payment plus the {$370.00} re-payment and a {$10.00} service fee ; which I agreed to all. In XX/XX/XXXX I received a postcard from Nationstar to confirm a verbal authorized payment back on XX/XX/XXXX in the amount of {$2500.00} plus a {$10.00} fee amount ; which was more than I verbally agreed to. Also in the same time frame I received a letter congratulating me on being approved for a repayment plan. The letter has a page XXXX that enclosed a XXXX month schedule starting XX/XX/XXXX to XX/XX/XXXX, which should have been XXXX month schedule ; because my first original re-payment was made in XX/XX/XXXX along with XX/XX/XXXX monthly mortgage payment. Another issue with the schedule is that it has an increased un-agreed re-payment of {$380.00} ; this would add up to more than the amount owed. Thinking we could correct the issues later I continued to make the requested payments. Nationstar continued to mail the threating foreclosure letters and make daily calls to me, leaving no message. Contacting Nationstar, I was told that I was never on a re-payment plan because I failed to make a payment in XX/XX/XXXX ; I was also told that I was XXXX months behind in my mortgage. After having some serious communication with Nationstar, they said if I could produce my bank statements showing auto debit and monthly mortgage payments they would take a look and get back to me. I agreed and faxed them XXXX pages of banking info. It is now XX/XX/XXXX I have satisfied my re-payment obligation in XX/XX/XXXX, Nationstar had sent me a certified letter threating to start foreclosure if I do not pay them {$4300.00} XX/XX/XXXX.

Company response to consumer: Closed with explanation