Consumer complaint received 2018-06-09
Company: NATIONSTAR MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Dear XXXX XXXX, XX/XX/XXXX Your figures are incorrect again! 
{$1600.00} being sent to us to apply towards the current advance balance of {$1800.00}. 
You say : Payment due XX/XX/XXXX XXXX? 
PRINCIPAL & INTEREST XXXX ESCROW XXXX -- -- -- -- -- -- -- -- -- -- -- -- Escrow? 
PARTIAL PAYMENT ( XXXX ) -- -- -- -- -- - From where? 
XXXX plus missing. 

About my loan! 
Your figures are incorrect as you and I both know. 
You told me on the phone credit from Hazard Ins, was XXXX? Not true. Credit you said on phone. 

XX/XX/XXXX XX/XX/XXXX credit is, all below. Given to me by the Hazard Ins department. 
You imply PRINCIPAL & INTEREST XXXX this is Correct. 
That is all I paid as always with the money I wired to the Home Equity Escrow Department XX/XX/XXXX. As all the years prior to XXXX. 
Home Equity Department and their Escrow Department applied all payments correctly applied monthly in the past. Until now! 
Now the Escrow XXXX has not been applied correctly. 
You have tried to add interest only as you told me XX/XX/XXXX for the full year of XXXX for XXXX separate from my monthly payments? 
It is already included in my monthly payment. 
It can not be deducted on top of all payments that include as you wrote PRINCIPAL &  INTEREST XXXX. 
The Hazard Ins can not be deducted out of any payment I have made. It is the law. Or added Interest on top of my payments! Also the Balance of my loan is incorrect! 
As I told XXXX XX/XX/XXXX, If the Hazard Ins. was paid by XXXX of XXXX then I will pay it now. 
I got no reply. That is all I owe, which makes no payments late. And all Payments for XXXX are paid in full. 

Get with XXXX XXXX, and get every payment applied to XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX. XX/XX/XXXX. XX/XX/XXXX payments. I wired in and paid XX/XX/XXXX, and credit all to my Monthly loan payments. And who ever rolled into my checking account XXXX needs to reverse it again, back to my loan as it was in the first place! 

I am not late or deliquent. And I never have been. 
I will be expecting a read out of all documentation sent to me of my loan showing corrected, and credited back to my loan. Including the money moved by XXXX XXXX XX/XX/XXXX, to my checking account wrongfully, and illegally. 
I did not authorize it. And was never told how much or why? And why that amount? 
I apologize for my anger, But under the circumstances, rightfully so, I blew up over my money wired in missing? Not applied to my loan correctly as it always has been for in the previous last 10 years. 

I expect my loan to be frozen until all is resolved and my payments applied correctly. 
HERE ARE THE FACTS. 
XXXX Wired in TO XXXX HOME EQUITY XX/XX/XXXX for monthly payments only, not a principal or interest payment Hazard Ins {$3800.00} XX/XX/XXXX to XX/XX/XXXX XXXX XXXX loan.pmts XXXX paid by XXXX Home Equity from money wired in. XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Credit Balance XXXX Credit Hazard Ins XXXX XX/XX/XXXX Credited Policy XX/XX/XXXX Credit Hazard Ins. XXXX Credited XX/XX/XXXX Credit Balance of XXXX XXXX loan payments XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance -- -- -- -- -- -- -- -- - XXXX credit XXXX payment XXXX minus Balance CREDIT-TO ME XXXX XXXX XXXX transferred money from my home equity Escrow acct. to my checking acct. That was wired in XX/XX/XXXX and deposited XX/XX/XXXX to my checking XXXX XXXX Deposited XXXX XXXX TOOK OFF MY LOAN AND PLACE IN MY CHECKING. XX/XX/XXXX which leaves outstanding PAYMENTS XXXX DID NOT APPLY TO monthly payments, XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX when they were already applied to my escrow account! 
Balance -- -- -- -- -- -- - + XXXX CREDIT XXXX XX/XX/XXXX PAYMENT - XXXX, XXXX XXXX XX/XX/XXXX PAYMENT BALANCE -- -- -- -- -- -- + XXXX -- -- -- -- -- LEAVES ME A CREDIT BALANCE Why is my money that was wired in not applied to my Loan Payments? 
My monthly payments all ready have the interest rate included in every monthly payment. You Charging, borderes on Usury. 
You can not charge me additional payments on top of what I already paid. I payed all payments in advanced. 
My contract says monthly payments, not monthly payments only. As my money was wired in and held in escrow at Home Equity Dept at XXXX XXXX XXXX XXXX, and always in the past applied as monthly. Now the money is not applied correctly. This procedure has been in effect from the beginning and this establishes past practices excepted by XXXX, from day one. 

Money in escrow is missinng, I want all money applied by XXXX to my home equity loan as it always has been. 

XXXX is saying now I owe payments XX/XX/XXXX. But they moved some money from the home equity department, unauthorized and did not and wil not explain why they took it off my payments. 
XXXX refuses to apply all money back to my loan. 
Where is all the money I paid that covers my month to month loan for the year. 
I want all money applied to my loan immediately as it was was wired in XX/XX/XXXX, to pay every month for XXXX for XXXX always been applied in the past by XXXX correctly XXXX but now the money is missing, and they are demanding payment now saying I am delinquent. When I am not delinquent. 
They have told me to cease and desist calling anyone with the bank about my note ever again with out a attorney representing me? 
I would like to have this resolved by XXXX applying all money I wired in to escrow acct. XX/XX/XXXX to make my monthly payments for the year. 
And I want in worting all accounting on how all money was applied. 
4 payments only have been paid. Where is all of the other money of the XXXX XXXX. 
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Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation