Consumer complaint received 2017-01-11
Company: NATIONSTAR MORTGAGE LLC
State: VA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have a Reverse Mortgage with Champion Mortgage, and for the 3rd time in one year they are threatening foreclosure for taxes & insurance. I have been continuously jumping through hoops with these people and in 100 % compliance of everything they ask. I have been on a repayment plan for T & I ( even though I am 100 % exempt from Real Estate taxes ) and they called the loan due & payable XXXX XXXX, XXXX for back RE Taxes & Insurance. As of XXXX XXXX they said I owed for back taxes and insurance of over {$9000.00}. I paid off that amount immediately. They said if I had called 24 hrs prior the amount would have been different, that they had further advanced my T & I and I would have to be placed on another Repayment Plan. I have been continuously threatened, intimidated, and harassed by these people regarding the status of my reverse mortgage for nearly 2 years and I am exhausted, frustrated, and bewildered. It seems as though they are conducting fraudulent activity because I pay and pay and pay and they ALWAYS declare that I have a default balance for T & I of thousands and thousands of dollars!!! I am 100 % EXEMPT from Real Estate taxes ( please see attached docs )!! I have been on the phone for hours with these people and to no avail, it 's usually some young person reading from a script who is rude & belligerent, as well as extremely unprofessional. I have requested a statement of accounting from Champion dozens of times and they REFUSE to release XXXX, always stating they do n't have access to that information! Where did my {$9000.00} go to and what for??? Why do I still owe over {$7000.00} and what for?? They REFUSE to release any documents or itemized statements explaining what the money has been put towards, where my repayment plan money is being put towards, or why my default balance continues to balloon when the current forced insurance that 's been put in place is active and good through XXXX XXXX!! I am being STOLEN from!! Common sense shows that these ridiculous numbers absolutely CAN NOT be CORRECT, nor do they make any sense, nor can anyone explain them. I am SICK and DISGUSTED over the way I 've been treated, it has made me physically ill, and I 've lived in my home for over 40 years!! I 'm XXXX XXXX XXXX, a widow, and on Social Security XXXX income and feel like my home is going to be ripped away from me by CRIMINALS!! I have thoroughly researched this Company on Consumer Reports/Affairs and have found that there are XXXX pending Federal Class Action Lawsuits against Champion Mortgage aka Nationstar Mortgage. The dozens of consumer complaints I 've read through are a nightmare, horror show, and what they are allegedly doing to the elderly and other persons like myself is criminal and they should be shut down!! I 'm also being charged for home inspections I have no knowledge of and other fees I simply do not understand! Every time I 've asked to speak to a Manager or someone who can explain these fees and both my current situation I am told that they are unavailable, in a meeting, or busy! Please find enclosed the corresponding documents that bear witness to my current and ongoing situation with Champion. Again, I have paid them everything they 've asked of me, been in complete compliance, can get no help or resolutions from them, only continued threats, harassment, & intimidation. I am desperate for immediate RELIEF and HELP and SUPPORT! I can not be HOMELESS, as I have nowhere to go, and my daughter lives with me, who is also XXXX! We have also found that Champion is not XXXX accredited, there are no satisfied, happy customers/consumers anywhere to be found in terms of doing business with this sham and scam of a company. The rate at which they are defrauding people is astonishing, and it must be stopped!! I thank you in advance for your time in dealing with and hopefully resolving my issue. Please, please HELP ME!! Thank You

Company response to consumer: Closed with explanation