Consumer complaint received 2017-02-28
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I fell behind on my mortgage and hired an attorney to help me apply for a loan modification with my lender Nationstar Mortgage in XX/XX/XXXX. I had submitted an application on my own back in XX/XX/XXXX and I was told by Nationstar verbally that I was going to be denied. My attorney helped me put together an updated complete new application, which also added a contributor income to solve my budget issue. This NEW application was forwarded to Nationstar on XX/XX/XXXX. I received a letter confirming my application was received on XX/XX/XXXX ( Attached ). My attorney has called Nationstar every week since then and was told the NEW application was under review and nothing was needed. By the time we hit XX/XX/XXXX my attorney advised me there was something wrong. Nationstar per RESPA Regulation X only has 30 days to make a decision and it had already been over 60 days. My attorney on XX/XX/XXXX ( Notes attached ) finally was able to determine that Nationstar did n't even have my NEW application in their system. They were still working on my old application from XX/XX/XXXX which did not have my additional income ( contributor ) of {$4000.00} per month. Nationstar point of contact asked my attorney to send the application again because it was lost, so my attorney forwarded it by email on that day. Now Nationstar is telling my attorney that they merged my old budget and application with my NEW application and they are denying me for a negative budget. Not only is Nationstar in violation of RESPA Regulation X for not completing the review and issuing me a denial or approval letter from my XX/XX/XXXX application, but they are also PURPOSELY using my old budget in order to purposely get me denied. I do not want my old budget used in my NEW application review. I provided an updated budget on XX/XX/XXXX ( Attached ). I never asked them to merge my old budget with my NEW budget. I submitted my NEW budget because my attorney counseled me on my budget and we made changes so I could balance my budget. Nationstar is purposely merging my old budget with my current budget solely to get me denied. My attorney states I qualify for Making Home Affordable ( Positive NPV attached ). Nationstar is either incompetent in processing my loan modification application or they are purposely evading review and using information that was already updated to purposely get me denied. In addition, the HAMP program is now expired and I DID apply before the cutoff. Nationstar never gave me my NPV chart from my applications in XX/XX/XXXX or XX/XX/XXXX. We are now going into XX/XX/XXXX!!!! and I am now being " DUAL TRACKED '' for foreclosure. My attorney states Nationstar is NOT supposed to merge my prior applications with my current updated, revised application. That in their opinion they are purposely evading review and using old, OUTDATED, information that I have already revised ( my budget ) so I can be able to afford my mortgage in order to purposely get me deneid.

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