Consumer complaint received 2017-01-27
Company: NATIONSTAR MORTGAGE LLC
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have a rental property with a FHA loan that in XX/XX/2016 one of the tenants stopped paying rent on. It took me months to get her out, then a couple months after to actually make repairs on because she destroyed the rental. I lost, from repairs and lost rent, probably close to {$12000.00}. By XX/XX/2016 I could not swing the mortgage payments due to the lack of rental income and repair costs. At this time, I asked Nationstar Mortgage if they could defer a couple payments to the end of the loan and they said there is nothing they could do. In XXXX, I tried to make a one month mortgage payment. They would not accept this. They said by law they needed 3 months. At this time they said to fill out an application for a loan modification. Do not worry about the payments. The process only takes a week to a month to process. I said ok, and asked specifically if they were going to foreclose on me in the meantime because it would take me another 2 months to have the 3 months of rent. They said no and to just go through the loan modification. For over a month they gave me the run around with a tax form that they said was illegible and paystubs/check details obtained from from my employers Human Resource office. I resubmitted forms for over a month while they were giving me the run around. Around the XXXX, close to XXXX, I received a call from a Loan Modification Specialist from Nationstar saying that they received and accepted all of my paperwork and someone would be in touch with me soon. A week later, I went online to the loan modification site to check the status and all of the sudden the same tax form was again illegible. So I again, faxed and uploaded another copy of the form ( this time typed out ). Over a week later it was finally accepted. I received a call from another Loan Specialist saying it could now take up to 45 days for a response on the modification. I went online to the check almost daily. Two weeks later, today, I finally received a call from Nationstar saying that my loan modification was denied because it is not an owner occupied property ( something they already knew before telling me to apply ). Also, that on XX/XX/XXXX, the day after they finally accepted my tax form, that they filed for foreclosure. I did not know this. They said they sent certified mail saying this. For some reason, after telling their representatives a couple times to change my mailing address months and months ago, they said it was sent to the property address ( not my mailing address, they never changed it ). They representative that called me today said it was my fault because I could have changed it online and that I should have contacted them when I was n't receiving correspondence from them. I did not know I was not receiving them because I changed my address with one of their representives and I thought they all came through email as well because I do get emails from them. No email on foreclosure was ever sent. Anyways, Nationstar I believe are scam artists. I asked specific questions numerous times for months and got the run around. They are forclosing on this property, when I asked them specifically if they were going to and they said no. My father would have loaned me the money back and XXXX to catch up n my mortgage payments, but they said not to make any payments and to wait for the answer on the loan modification ( which was obviously being pushed off and postponed by Nationstar ). Then their ultimate reason for not approving the modification is for a reason they knew well before suggesting applying for it ; the property is not owner occupied. Now, they told me I am {$12000.00} past due, an amount there is no way I can come up with and that that is not including foreclosure costs ( court/attorney fees ). Oh, and again, all of this would need to be paid at once.

Company response to consumer: Closed with explanation