Consumer complaint received 2017-01-09
Company: NATIONSTAR MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Reverse Mortgaging Servicing Department, Champion Mortgage, contacted me after the summer XXXX to discuss payment of back taxes. I explained, and followed with a letter, that I was diagnosed with XXXX in XXXX XXXX and again in XXXX XXXX, underwent a XXXX in XXXX, a XXXX and XXXX XXXX XXXX XXXX and was trying to : 1. get back on my feet financially and 2. was going to market the home and should have it sold by the end summer XXXX. I was told that there was not a re-payment plan available and if the taxes were not paid the house would be placed in foreclosure status. Several months went by and I was contacted by a representative almost weekly inquiring as to my resolution to which I replied that I was close to obtaining the funds they had requested and would have it paid by the end of XXXX XXXX. In XXXX I was told the account had been sent to their attorney for foreclosure but they would continue contacting me. I explained to the representative and wrote a letter of explanation that I was confident funds would be received and not to file for foreclosure making me incur legal expenses. To my surprise, I received a petition from their attorney in XXXX with a respond deadline of 38 days which should be on or about XXXX XXXX, XXXX. On XXXX XXXX, XXXX I mailed, overnight, a cashiers check for the full amount for taxes requested by Champion Mortgage assuming the suit would be dismissed. The following week I received notice that the suit was in place and I also owed Champion Mortgage the money I received for repairs to my home. I called a representative who explained that my check was received but sent to the wrong department as they assumed it was an insurance issue. I explained that a detailed letter accompanied the check with no response from the representative. The representative said the cashiers check had been forwarded to the correct department on the XXXX ; however, my loan was still in default as Champion had just funded ( I believe she said that day ) the XXXX taxes and unless I paid {$8800.00}, the foreclosure status would remain in place. I explained that I paid the deficiency required in the suit. The representative said that was the old amount, and I had to pay both the old and the new. I asked the representative to have Reverse Mortgage apply the cashiered amount, remove me from foreclosure status, and asked if I could pay the XXXX taxes over the next few months as I was going to sell home. I was told there was no re-payment plan available and they were returning the funds they received from me, back to me and to pay the new amount and the home would remain in foreclosure status. I paid {$36000.00} with a cashiers check on XXXX XXXX. I received a check from Reverse Servicing ( not cashier ) on XXXX XXXX without any accompanying explanation. That same date, I received a letter of delinquency that I owed XXXX. Nothing in the latest letter provides information that my home is subject to foreclosure, only the amount due of XXXX. I explained to more than XXXX representative that property taxes in Texas are due on receipt and not delinquent until XXXX XXXX. I still receive at least XXXX call a week asking when I am going to take care of the taxes and that there is nothing that can be done except to pay the old and new amount or lose the home. I explained to the representative that there had not been a demand made by Reverse Mortgaging for the XXXX taxes as they were not delinquent. This situation has caused a tremendous amount of unnecessary stress on my health as well as my wife, as well as impacting my ability to focus on work.

Company response to consumer: Closed with explanation