Consumer complaint received 2018-04-03
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have been sent letters of demand to pay a mortgage to XXXX XXXX, In fact all my social security check has been garnished electronically by XXXX XXXX to the order of XXXX XXXX out of my XXXX XXXX XXXX account. these payments have not been received by XXXX XXXX. They are telling me to provide verification from the bank, in this case, XXXX XXXX, where the company XXXX XXXX has the account, that the funds were paid to them. These funds are given to nationstar for buying my daughter 's and my home cash and the funds dissapeared. Nationstar is foreclosing on my home ( I Hold title with my daughter who has XXXX children and XXXX of them still lived there ). 
they are telling me that Nationstar bought the XXXX XXXX XXXX XXXX who bought XXXX loan for my house and that they want summary judgment for the title of my house and for me to go away. 
I paid for over 10 years out of my bank account out of my social security funds for the house, and they are telling me that a third person, XXXX XXXX and XXXX XXXX are returning some checks sent to them by Nationstar. No one is willing to clear this out and I have spent all my savings of XXXX in attorneys to fight XXXX XXXX a new attorney who wants to foreclose the home that i repaired ( XXXX roof, XXXX heater and cooler, XXXX down to the attorney of the seller, XXXX XXXX XXXX given at XXXX XXXX to XXXX XXXX, escrow attorney, and my first payment given by a check. I was told that some payments and escrow funds were not sent to the trust company and lost at the title company and the title company is not willing to furnish copies of front and back of the checks and written instructions to disburse funds that were inappropriately given to XXXX XXXX XXXX to pay the mortgage of the sellers without giving me credit for those payments. The case is that now, in XXXX XXXX XXXX took 3 payments of XXXX off my social security account and did not provide accounting where they were given, as XXXX XXXX does not have them. My bank, XXXX XXXX XXXX shows in my statements that those payments have been cleared off my account by XXXX XXXX and they are telling me at XXXX XXXX  the funds are lost. I called XXXX  XXXX and they are not giving me information of my social security funds as I am not a signer on the XXXX XXXX checking account where myfunds were deposited by XXXX XXXX. They are telling me at XXXX XXXX that all payments I make and have made have been delivered to Nationstar to pay the mortgage and that the property should not been in default. HOwever, there is a summary judgment for foreclosure and the bank foreclosing Nationstar is telling the judge that they have not had any payments. How can that be since I have been paying for 10 years, so the banks are missing around 70,000 $ in funds from my social security income for the last 5 years I want to know who has my social security funds and why were those never applied to the mortgage, and why is the bank Nationstar asking us to get in title in a quit claim deed to help the bank clear out the parties involved in interest and now they do not want to talk to us anymore. I know XXXX XXXX is holding some deeds but they do not give me information. In fact nobody tells me anything and the only letter I got is a letter demanding payment for XXXX, when I already paid 3 times and I should be paid till XXXX this year in advance??? This is my home you know, can all the banks involved in dealing with my funds talk to each other to see who is using those funds and to be able to rectify? I am XXXX XXXX XXXX and I have worked all my life as a teacher in the community and I am protecting my daughter and my grandkids, they - my daughter and grandkids - do not have other home than this one, owned by both of us. Are there some funds to help people in our situation, maybe some tax assistance to hire auditors and investigators and attorneys who can help us. The shelters are full and the public housing has a waitlist for them and my daughter. Maybe you know of an agency that helps families before houses get bought by investors at the court steps for a fraction of what we have already paid cash to XXXX XXXX, I know they have lost at least 70,000 from my savings that I have given them since XXXX. I have been made aware that this house was in foreclosure at least as of XXXX yet the banks keep on collecting and accepting payments from me and tell me I am not able to do anything since I am not listed as a mortgagor but just the old lady that pays and pays. and pays.

Company response to consumer: Closed with explanation