Consumer complaint received 2015-09-12
Company: NATIONSTAR MORTGAGE LLC
State: WY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Hello, I am writing concerning a fraudulent foreclosure which Nationstar Mortgage is attempting to perform upon my home. 




The loan originated with XXXX XXXX XXXX, in XX/XX/XXXX. With it being my first mortgage, I was not aware that it was originally set up incorrectly. Because there is more than XXXX acres with my home, I 'm now told that the mortgage should have been set up as a agricultural, rather than residential. When interest rates dropped in XX/XX/XXXX, my wife and I attempted to refinance. We were told by several banks that our mortgage could not be restructured since it had been set up incorrectly. 




In XX/XX/XXXX, we attempted a loan modification. XXXX informed me that they were only working with customers who were at least 90 days delinquent on their mortgages. Because we desperately needed a lower interest rate, we went delinquent so we may complete a loan modification. XXXX associates misplaced our paperwork during the first two attempts. Finally after the third attempt, and seven months into the delinquency, when all documents were viewed, XXXX informed me that the Certificate Holders of my mortgage did not participate in loan modifications. I had not been aware that XXXX was no longer the owner of my mortgage. Upon inquiry, I was told that the mortgage had been transferred to XXXX, XXXX, XXXX XXXX. This is also the address listed at the local Courthouse. However, if one does a XXXX search, this address is the parking lot of a XXXX XXXX XXXX building. I requested a phone number for this bank, and was given XXXX by a XXXX associate. The phone number is busy 24 hours a day. XXXX separate bank presidents of our XXXX XXXX Banks have done extensive research and found that XXXX XXXX has no connection to my mortgage. This may have contributed to the reason that XXXX could not complete a loan modification. I then attempted to complete a Short Negotiated Pay off with XXXX. My offer was under review when my mortgage was conveniently transferred to XXXX XXXX XXXX. 




The process then began with XXXX XXXX XXXX. It was basically the same story as XXXX. Faxing documents to complete a loan modification. If XXXX needed XXXX line of XXXX document, it was required that the entire file be re-faxed. Finally, XXXX also denied my loan modification attempt. I then attempted a short negotiated pay off. While my offer was under consideration at their underwriting department, my mortgage was again transferred, this time to Nationstar. 




The experience with Nationstar has been even worse than the XXXX previous. I have spoken to hundreds of associates, who give conflicting information. I have documented and recorded over XXXX phone calls with Nationstar associates. XXXX separate associates have informed me unequivocally, that Nationstar purchased my mortgage note. The information recorded at the courthouse still shows XXXX as the Trustee. Because of this discrepancy, I requested the name and address of my current lien holder. Nationstar has provided the current owner of the loan as : XXXX As Trustee, XXXX XXXX. I requested from Nationstar a phone number associated with this Bank. I was given XXXX. I have called the number three times. The information given confirms that there is no connection with my mortgage and this XXXX, ( or any XXXX. ) Currently, Nationstar is attempting to foreclose upon my home on XX/XX/XXXX. Because of all of these discrepancies, inconsistencies, and flat out fraud, they do not have the right to foreclose. 




Thank you very much for any investigation and assistance you may be able to provide in this matter. Time is of essence.

Company response to consumer: Closed with explanation