Consumer complaint received 2015-07-14
Company: NATIONSTAR MORTGAGE LLC
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
It all begins when I purchased a newly built home in XXXX XXXX, XXXX Georgia and the seller and Broker got me a loan with XXXX XXXX Mortgage and then the company went belly up within XXXX days. As a result my loan was then sold to XXXX XXXX XXXX unbeknown to me and without my permission who also got in trouble for bad loans and sold my loan to this company based out of either XXXX, Nationstar Mortgage. Ever since my loan has been taken over by Nationstar I receive weekly XXXX or XXXX times a day telephone calls from them and letters in the mail and XXXX delivery trying desperately to convince me to refinance my loans with them. I initially asked questions and realized very quickly that they do not operate ethically or in the interest of the customer and are out to do more damage than good. I have updated my account profile and asked them repeatedly to stop calling and contacting me all day and night every week for at least XXXX days about refinancing with them because I am pursuing a loan with other lenders. It is truly unfair to innocent customers like myself whose loans were bought by XXXX XXXX as a result of the XXXX Mortgage debacle and then sold to these unscrupulous lenders such as XXXX XXXX XXXX that has taken advantage of customers in the past and still remain in business with profits. 

Also, since Nationstar has taken over my loan which is approximately XXXX years or more now, the also have paid my City , County and Insurance late and applied the wrong amounts and servicers without my authority. Last year they paid XXXX XXXX insurance company that I contacted for information and quotes on my home. I was in the process of getting rid of XXXX XXXX insurance that I had for all my homes for the past XXXX years because they constantly raised my rates even though I never had filed a claim until last year due to a hail storm that damaged my roof. After receiving XXXX quotes I decided to go with XXXX XXXX which provided me with over {$200.00} in savings. Nationstar not only paid XXXX but also paid XXXX XXXX when I took the time to contact them as soon as singed my Home policy to let them know I was discontinuing with XXXX XXXX and not to pay them. Well to my surprise they paid XXXX XXXX at the time it was due late of course then also made a payment to XXXX XXXX months later and my XXXX balance was way low and then they increased my mortgage payments for the shortfall. I had to make numerous calls to get this debacle rectified. 
I have conducted research on Nationstar since I had not heard of them prior and read multiple customer reviews about how they offer refinance and put consumers through a lot of trouble and lose documents then change the terms over and over again and some have even lost their homes due to foreclosure. Of course I was horrified and it definitely confirmed my suspicions about this company and why I am not interested. I still receive calls and letters every singe week which is beyond annoying and what I know as harrassment. Please provide some remedies to innocent customers such as myself so I do not have to go through this ordeal again and again. Thanks in advance.

Company response to consumer: Closed with explanation