Consumer complaint received 2016-02-26
Company: NATIONSTAR MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I contacted Nationstar Mortgage about doing a loan modification. I was told that starting XXXX XXXX my payments would go to a modified amount of {$870.00} and would be in a trial period for the next 4 months. In XX/XX/XXXX, I still had not received any modification paperwork from Nationstar. I called Nationstar and spoke to someone and they told me to go ahead and make the {$870.00} payment which I did. I made {$870.00} payments in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. At that time, I decided that it was best to do a cash-out refinance with another company because I did n't like the way that things were going with Nationstar ; nor did I like the lack of contact with XXXX XXXX my " dedicated loan specialist ''. ( I emailed him numerous times and never received a response ). Starting XXXX XXXX, I went back to making the {$1000.00} mortgage payments and have done that since that time. I found out in XXXX XXXX Nationstar put on my credit that I had a 30 day past due balance of {$430.00}. Although they put that on my credit Nationstar mailed me a check in the amount of {$580.00} on XXXX XXXX, XXXX. I contacted Nationstar about this {$430.00} balance that they claimed I owed. I asked them if I owed money why was n't the {$430.00} taken out of the {$580.00} check before any money was mailed to me. The representatives answer was that the {$580.00} was n't enough to cover a mortgage payment so they mailed it back to me and {$430.00} was the remaining difference between the {$580.00} and the remainder of my mortgage payment. That is incorrect because {$580.00} and {$430.00} totals {$1000.00}, which is not enough to cover my mortgage payment. She also informed me that when I made the {$1000.00} mortgage payment in XX/XX/XXXX that money was put on my account for XX/XX/XXXX. ( Take it that I had already made the modified payment of {$870.00} in XX/XX/XXXX ). So every month that I have made my mortgage payment it has been posted for the previous month. So XX/XX/XXXX 's payment went towards XX/XX/XXXX, XX/XX/XXXX 's payment went towards XX/XX/XXXX, XX/XX/XXXX 's payment went towards XX/XX/XXXX, and so on. It now looks like I 'm a complete month behind on my mortgage payment when I am not! I do not see how they can put a payment on a previous month when it has already been paid. They have also given me several late fees, etc. Now they are saying that I owe over {$2000.00}. I disputed this on my credit report ( XXXX ) and the results came back on XXXX states that historical account information was deleted from my account and has been updated. It also states the prior paying history on this account has been updated. Nationstar has not updated anything! I have called them several times and can not get an accurate answer as to what is going on with my account. They have XXXX past 30 day marks on my credit report for XX/XX/XXXX and XX/XX/XXXX ( when I was in the modification period, as well as XX/XX/XXXX XX/XX/XXXX, and XX/XX/XXXX ). I have contacted everyone trying to get this situation cleared up and get these negative marks off my record.

Company response to consumer: Closed with explanation