Consumer complaint received 2018-03-09
Company: NATIONSTAR MORTGAGE LLC
State: OR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Back in XX/XX/XXXX, we purchased our home, we secured a FHA loan through XXXX our home purchase price XXXX, we put up XXXX cash down payment. Not long after we received notice our contract had been bundled and sold to Nation Star Mortgage, now Mr. Cooper. In XX/XX/XXXX we were met with demands for a crossing permit fee from a railroad, XXXX XXXX XXXX, XXXX XXXX XXXX.who 's tracks we must cross to access our homes, We reviewed the permit with a legal advisor and were told not to sign the demands as we surrender our property rights to this railroad. Not long after, we were met with a legal notice filed by the XXXX listing us as the defendant in a legal lawsuit filed against our property for " quite title trespass ''. Case # XXXX   in the Circuit Court in XXXX County Oregon. We purchased Title Insurance and our law firm sent a document direct to XXXX XXXX   company where between XXXX and XXXX we were told there is no way either were responsible for what happened to us? The XXXX  went back decades and found a flaw where one property owner neglected to retain a crossing permit on record in XXXX  County and the XXXX claims we, and all the Residents on our Country lane are trespassing to our own homes. We were advised to not make a payment until this matter is resolved. My first thought was contact Nation Star and have them work with us, to date, now going on six years later, we haven't been able to access Nation Star Mortgage, I had an office lady hang up on me when I tried to make arrangements on our home. We owe 29 months and Nation Star has foreclosed on our home, they want to sell our home but simply can't until this mess is settled. This mess was a direct result of the Oregon Legislature gifting millions of stimulus with no strings attached to the owner of XXXX, who pre planned to take away our properties, XXXX  was offered millions in more stimulus to drop this lawsuit and declined, we prevailed in Circuit court and currently awaiting the Oregon State Supreme court ruling, we have been advised this will never be over! Why did we put up XXXX  in down payment to become bad people? We didn't, we feel we are owed a way out of this mess via. NationStar, we could care less about getting our XXXX back, ( however, we think we are entitled to a full refund ) we just don't think we should be making payments on a home we are trespassing to access, we also can't understand how any bank could loan money if there is a title defect? XXXX  County Oregon also owns our access road called XXXX XXXX, should this XXXX buy this property from XXXX  County, it would restrict access via. any and all vehicles. This is insanity! Nation Star Mortgage wants nothing to do with us, we just want our credit history cleaned up and Nation Star to go away and we will gladly move. Why would we make a single payment if we can never sell this home and if we are trespassing to our home? I'm more than sure a bank will never loan a XXXX   on any property on our XXXX XXXX ever again. You can XXXX search ... XXXX XXXX XXXX vs. the People on XXXX XXXX in XXXX XXXX  Oregon for more details.

Company response to consumer: Closed with explanation