Consumer complaint received 2015-05-02
Company: NATIONSTAR MORTGAGE LLC
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
5 years ago I filed for bankruptcy in order to save my primary residence. At the time, my loan was by XXXX mortgage company but they 've sold the loan to multiple mortgage companies since. Now it is being serviced by NationStar. I completed my bankruptcy requirement and repaid everything stipulated by my bankruptcy agreement. So it has been discharged and I am now officially out of bankruptcy. However, when I first filed the bankruptcy 5 years ago, the agreement was that I would pay {$1300.00} ( principal + interest + escrowed taxes & insurance ) as regular monthly mortgage payments to the bank, PLUS, $ XXXX monthly to the bankruptcy trustee to cover everything I had in arrears ( everything that accumulated from my mortgage company, i.e, back-mortgage payments etc. ) In other words, the trustee payment covered everything the mortgage company said I accumulated while in arrears before filing bankruptcy. 
During my bankruptcy, the mortgage company neglected to pay my property taxes, even though it was part of monthly payment of {$1300.00}. They even tried to not pay my insurance. After arguing with them back and forth they then began paying the insurance, but still not the property taxes. As a result, the XXXX sued me on multiple occasions for non payment of property taxes. I explained to them that my taxes are included in my monthly payments to my mortgage company and they should have been paying the taxes but have neglected to do so. The XXXX attoney 's XXXX XXXX XXXX informed me that that was not the city 's concern and I had to pay the taxes. So, I entered an agreement with the city and paid approximately {$5000.00}? ( estimated ) over the corse of about a year and half but did not pay off the entire amount. I got a stay in payment because XXXX attorney found out that I was actually in bankruptcy. So, at that point, not only was I paying the mortgage company principal, interest, taxes and insurance in my monthly payment, The trustee was ALSO paying the mortgage company AND I was paying XXXX ( because the mortgage company refused to pay. ) For the entire 5 years, I had tried to have the mortgage company explain to me why the refuse to pay my property taxes even though I pay it every month in mortgage AND the my trustee payment covered everyhing that they claimed I owed them. I got the run around for 5 years. I XXXX of last year, Nationastar finally ( and out of the blue ) decides to pay my property tax balance. However, as of XXXX XXXX, 2015 ( mind you, I am no longer in bankruptcy, I 've paid everything and my bankruptcy is officially discharged, and I 've made every monthly mortgage payment to date ). All of a sudden, as of XXXX XXXX, 2015, NationaStar has decided to raise my mortgage by {$540.00}. So now, instead of paying {$1300.00}, They now say my monthy payment is {$1800.00}. They have given no reason why they 've raised it. I am on a fixed rate mortgage and has always been on a fixed rate mortgage since bankruptcy and Nationstar has decided to raise it because they can. Everytime I call to speak with them, they are rude, hostile and sometimes even hang up the phone. PLEASE HELP ME.

Company response to consumer: Closed with explanation