Consumer complaint received 2015-05-01
Company: NATIONSTAR MORTGAGE LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My wife and I have been separated since XXXX of XXXX. She stayed in the house. In XXXX of XXXX, she informed me she was moving out and filing bankruptcy. The mortgage was 3 months behind. I contacted the Mortgage company-Nationstar and discussed getting the account current. XXXX XXXX ( first name, they will not give out full names ) informed me that if I made 3 consecutive payments that they would adjust my account current. This conversation took place at the end of XXXX. He stated that the payment due at the end of XXXX would be the first of 3 consecutive payments to bring the account current and that the first payment would count as my XXXX XXXX payment. Later I was told that the payment due at the end of the month was for XXXX and another payment was due the next day. I was very careful to insure that I would not have a payment due 2 days in a row. XXXX XXXX insured me this was not the case. He informed me the payment was {$1700.00} and due on the first of the month. I told XXXX XXXX that I was retired and on XXXX and that if my pension deposit, which is the XXXX of the month fell on the weekend or a holiday that it might take a few more days to get there. he stated that would nt be a problem because there is a 2 week grace period on there accounts. He also told me that because my wife was filing bankruptcy that they could n't send any paperwork to verify this agreement. I told him I was very uncomfortable sending such large amounts of money without the mortgage acknowledging this payment. He was adamant that this was the only way they could do it. I continued in XXXX faith and sent 4 monthly payments. I was not getting statements and had to call my pay ments in for electronic transfer. two months they gave me a payment amount which was about {$20.00} different from the one XXXX XXXX had given me, I inquired with the Nation star representative each time. They told that they database gave them this number and that was the only thing they could process. The computer would n't accept anything else. 
After phoning in 4 payments and paying what the representative told me to pay, I received a foreclosure notice. I called Nationstar immediately. I was told by the representative that they did n't get several payments. I had copies of my bank statement made and sent to Nationstar, XXXX through XXXX, I called back and the next representative pointed out that 2 payments were {$20.00} off and 2 were late, I told him that the payments were made on the phone with their representative who directed me to pay that amount. I told him that I had discussed the due date with XXXX XXXX and he told me the grace period allowed to the payments to arrive a few days late. This representative told me that was not true and this trial period only proved that I was not responsible enough to handle this account. I asked him if he would turn a family out of their home for a {$20.00} discrepancy and he said yes. This person was very belligerent. He indicated that the only recourse was at this point was to apply for a Making Homes Affordable loan. 
I sent the application package in XXXX XXXX, XXXX, sending duplicate copies of the entire package, one by E-mail and one by Fax. I have all receipts. I called back the next week and was told they needed more documentation, a better narrative, that was sent XXXX XXXX, XXXX. 
I called back the next week and was told that it was not received. I was told that more documents were needed. The form XXXX which they filled out with the year needed on it did not have the year XXXX. They filled this form out with the years they needed. They put the years needed on the original form and left out XXXX and now told me that I must update XXXX to the form even though they filled in the other years? They needed a quit claim deed which had already been sent twice. see closing

Company response to consumer: Closed with explanation