Consumer complaint received 2016-11-08
Company: NATIONSTAR MORTGAGE LLC
State: LA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My husband and our home outright with no mortgage company attached to the title. In XXXX we came across hard times and my husband took out a {$30000.00} loan with a note of approximately {$520.00} a month for 15 years. We always paid our mortgage on time until we came across even harder times in XXXX when our XXXX year old son was XXXX. Our payment on this loan was no more than 2 months behind when I received a phone call from a friend letting us know that our home was in the paper for sale and up for foreclosure. {$520.00} a month paying for 10 years totals {$62000.00} that was paid towards the small {$30000.00} we borrowed against our home which was worth much more than this. Not only did XXXX take our home from us when we were 60 days or so late but they never informed us of any of this and they also sued us for {$26000.00} in XXXX of XXXX plus so called interest, fees and advances. It 's hard to comprehend how after paying {$62000.00} towards a loan of only {$30000.00} that our balance could still be {$26000.00}. That means that of the {$62000.00} paid, less than {$3000.00} went to the principal balance of our mortgage. All of this being said the judgment was filed prior to the house ever going up for sheriff sale which finally took place in XXXX of XXXX and should 've satisfied the unfair judgment rendered against my husband and I. Our mortgage just so happen to be a part of the investigations brought about by the Department of Justice against XXXX XXXX Loans and we were actually written a check because we were part of this law suit. This judgment showing up in public records has prevented me from being able to purchase a home and has cost me {$1000.00} 's in appraisal fees etc. My scores are qualifying but because I am attached to this " unsatisfied '' judgment because I was on the deed of the property, no title company will approve me. I have tried and tried to contact this company but every number on line gives me a busy signal. Nation Star and XXXX have no records of the loan which is who XXXX sold to. The lawyer that XXXX stated earlier this month that the file was closed in her office, HOWEVER, was not satisfied and because XXXX had not contacted her after the sheriff sale to release the judgment that she could not release it until she heard from them. I asked if the attorney could possibly contact them and she stated she had no way of contacting them because they had gone out of business. I asked what the balance was in order to satisfy the judgment and she could n't give me that either because XXXX had not contacted her. I do n't understand how a judgment is filed prior to sheriff sale, then a sheriff sale takes place, and suddenly the lender disappears and no one has any answers for me about something that is detramental to my life and ever being able to purchase a home again. They have cost me money, time, and their entire loan process was fraudulent from the beginning and still I am the one that suffers and I am left in the dark on what to do next or how to get this taken care of. I 've even had an attorney look into this which cost me another {$500.00} but he too was at a loss because it was impossible to find any contact information for XXXX to get answers. Finally on XXXX XXXX, XXXX I found a number that allowed me to leave a voicemail which I did leave with a lady named XXXX. Not too much later that afternoon someone from XXXX contacted me back. She stated that the judgment should be satisfied and she did n't understand why it was not reflecting that way with the court house. Unfortunately I was at work so I did n't have good service and we ended up getting disconnected before I had a chance to request the release of judgment from her. I thought maybe they would send this to the attorney representing them but as of today they have not and I 've left several more messages and they 've yet to respond again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation