Consumer complaint received 2016-06-24
Company: NATIONSTAR MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
On XXXX XXXX, XXXX I called my mortgage company to inquire about the STREAMLINE REFINANCE they were advertising to see if it would save me any money. I talked to a representative from XXXX XXXX who then referred me to XXXX XXXX with XXXX MORTGAGE. XXXX XXXX sent me an email ( I can provide all emails ) requesting a specific list of items such as driver 's license, social security card, bank statement, home owners insurance policy, utility bills saying they must be produced in 48 hours or the deal is off. They also provided a site to electronically sign documents that would only be available for 48 hours and would no longer be available to sign. Next I had to provide my deceased husband 's death certificate from XX/XX/XXXX so he would not be required to sign a note. 
XXXX XXXX, XXXX I was then passed on to a processor, XXXX XXXX Senior Loan Processor for XXXX XXXX. Everything I had provided for XXXX XXXX she requested again along with an explanation as to why my deceased husband would be removed from the note. I also provided a copy of the estate document showing the home was to be in my name only from XX/XX/XXXX, giving me sole ownership. 
XXXX/XXXX/XXXX I received another email for access to electronic documents to be signed from XXXX XXXX. 
XXXX/XXXX/XXXX I received another email for access to electronic documents to be signed from XXXX XXXX. 
XXXX/XXXX/XXXX I received another email for access to XXXX XXXX to see the process and set up to pay. 
XXXX/XXXX/XXXX more electronic documents to sign from XXXX XXXX. 
Email from XXXX XXXX thread beginning XXXX/XXXX/XXXX through XXXX/XXXX/XXXX XXXX/XXXX/XXXX Email from XXXX XXXX XXXX XXXX my new loan processor with new loan number. I had to start from scratch again providing documentation. 
XXXX/XXXX/XXXX to XXXX/XXXX/XXXX Email threads from XXXX XXXX requesting more documentation. ( All emails can be provided ) Also during this whole time frame I have found out my credit was being run at least once a month if not more without my permission or knowledge. 
XXXX/XXXX/XXXX XXXX from XXXX XXXX for more documents to sign. 
XXXX/XXXX/XXXX XXXX from XXXX XXXX saying loan is pending subordination agreement from HUD. ( Also processed once a month during this time frame. ) XXXX/XXXX/XXXX - XXXX/XXXX/XXXX Email threads showing XXXX XXXX from XXXX also a subsidiary of XXXX XXXX contacted me, cleared title and were ready to close. 
XXXX/XXXX/XXXX to XXXX/XXXX/XXXX Email thread with XXXX XXXX on XXXX/XXXX/XXXX saying the bank wants a letter of explanation and proof of deposits over XXXX dollars. **My deposits are electronic and show who they are from i.e. the VA, XXXX XXXX XXXX, XXXX retirement, payroll from my employer. Also they are requesting more bank statements, I informed them I have already provided over a years ' worth of bank statements, look in your files. XXXX confirmed that it was true. 
XXXX/XXXX/XXXX Mortgage Professional XXXX XXXX begins to email me talking about closing costs of XXXX and that I have to prove I have it and where it came from. 
XXXX/XXXX/XXXX to XXXX/XXXX/XXXX many more documents to sign in XXXXXXXXXXXX XXXX/XXXX/XXXX it is clear to me they never intend to process this loan and I request it to be closed. 
XXXX/XXXX/XXXX I call my mortgage company XXXX who apologizes for this long drawn out process and states they have had several complaints and says XXXX now processes the STREAMLINE REFINANCE LOANS. 
XXXX/XXXX/XXXX I was contacted by XXXX XXXX at which point I refused to talk with them I did not solicit them or contact them. I sent an email to my mortgage company saying I no longer have any confidence or trust and no longer wish to do business with them. 
I received an email back requesting documentation and saying XXXX is a part of XXXX. The email said if I do not provide what was requested I will deny a XXXX refinance loan. 
XXXX/XXXX/XXXX I received a letter

Company response to consumer: Closed with explanation