Consumer complaint received 2015-03-19
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Foreword Explanation : I am aware my husband, XXXX XXXX, has already filed a similar grievance this morning but I am more familiar with the details because I often pay the bills and keep records of payments and updates. I spoke to XXXX and he agreed that we should add this complaint because it is important for you to understand the history and the reasons why things turned out the way they did. 

What Happened : We believe Nationstar Mortgage set us up to increase our monthly payment from {$1200.00} to {$1600.00} in order to mark our loan as delinquent and proceed to collect on the Non-interests Bearing Principal Balance of {$86000.00} knowing this is a significant amount of cash we have to produce immediately hoping we ca n't so move to proceed with foreclosure and possession of our condo. 

In XX/XX/XXXX, my husband applied for and was granted a loan re-modification by XXXX giving us a stay on the {$86000.00} amount to reduce our payments to prevent foreclosure and to save our mortgage. XXXX XXXX XXXX was the server who immediately sold our loan to Nationstar. 

From the get-go, Nationstar showed their true colors by increasing our payments immediately by about $ XXXX/month. I called daily until I found someone senior enough and honest enough to tell me there was no reason for that increase. This meant we had a surplus payments of {$120.00} which we agreed I could deduct off our monthly pays until that amount was equalized. However Nationstar continued to send us statements with late fees and interests added for 1 ) not paying the additional {$35.00} and 2 ) for not paying off the late fees and penalties in every statement. Needless to say, Nationstar wrapped up our time, days and months with their subterfuges of " Yes, you are right, we will take off the charges '' to still sending the same statements and increasing charges, fees and interests. Finally after many months of persistence Nationstar finally admitted they paid off the {$120.00} toward our Non-interest Bearing Principal Balance of {$86000.00}. I reminded them this balance was to be left as is and any payments toward this balance is not part of the signed agreement. This is our first encounter Nationstar desires to get this unpaid balance off their books one way or another. 

I checked up on our escrow history before writing this letter to write this summary. In XX/XX/XXXX, our escrow was off balance by a few hundred dollars. By XX/XX/XXXX, our escrow was in the minus of {$1500.00} and by now Nationstar has increased our monthly payments from {$1100.00} to {$1200.00} to {$1200.00}, they intentionally did not actively alert us nor adjusted our escrow enough to make up for this deficiency. Our only constant are the daily phone calls from the XXXX of the Month to the date they received our payments telling us we are late transforming these calls into a constant harasser since we knew payments were already made. 
In XX/XX/XXXX, I received a notice from Nationstar that our monthly payments for XX/XX/XXXX will be {$1200.00} which I immediately put into our online recurring payments. In XX/XX/XXXX I opened a letter stating we are in serious delinquency with Nationstar. I checked that all payments were made in timely fashion and then called them. This was the first time I realized our payments went up because our escrow doubled in XX/XX/XXXX. I told XXXX of XXXX TX to send me a breakdown of the year-end escrow immediately as I never received one at year end. The papers did not come until XX/XX/XXXX. As of this date, we have a shortage of {$3200.00} in escrow. 
We believe Nationstar have worked out how they can make us fail by creating a situation where our escrow becomes an insurmountable shortage triggering a substantial increase ; and by not alerting us to the increase in advance, created a superficial default which now has triggered the {$90000.00} demand for immediate payment. We know because we just got this demand letter last ni

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