Consumer complaint received 2017-02-20
Company: NATIONSTAR MORTGAGE LLC
State: IL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Please refer back to Case number : XXXX as a precursor to this. I mentioned that I could not respond until a knew the outcome of my loan modification re-submission. Please note the Auto-Response date of XXXX/XXXX/XXXX. 

Now, on XXXX/XXXX/XXXX, I had my first Mortgage Foreclosure court date. After judicial review of the case, it was one of the rulings of the court that I submit new loan modification request documents to my lender, starting anew, with the package being prepared by a HUD accredited third party. 

When I mentioned to the court that I had a loan modification currently in review with my lender, the response was that I should start anew. This was agreed to by the Attorney representing the plaintiff XXXX, along with other other court stipulations. 

Prior to this date, my lender has sent me an " in-house '' loan modification and had called several times to " find out what I wanted to do ''. They continued to call urging me against the XXXX/XXXX/XXXX offer withdrawal deadline. I asked why, knowing that I had a HAMP loan modification package in process, they could n't wait for the outcome of that and were willing to make me an offer after 1 year of dragging and {$50000.00} tacked on to my initial mortgage balance. I receied no response from the lender on this inquiry/question. 

Again, please noting the Auto-Response date of XXXX/XXXX/XXXX, I logged on to my on-line mortgage account with NationStar for loan modification status updates. True to form, one month and one day after, on XXXX/XXXX/XXXX, I saw the posting that my loan modification request had been denied on the grounds that my income did not meet eligibility standards. 
I received a written follow up in the first week of XXXX XXXX and a follow up phone call later in the month, about a month after the XXXX/XXXX/XXXX posting. 

At this point, I asked the NationStar representative why it took one month to call me to " discuss '' the denial. Again no answer to the question. I mentioned to her that I had since retained legal representation to handle this increasingly twisted case and that my lawyer may be able to better respond to them, through their lawyer. 

One of the other baffling things from my lender has been the Monthly mortgage documents from NationStar that show monthly payment demands that fluctuate/see-saw between {$2300.00} before the loan modification offer of XXXX XXXX to {$3500.00} after the loan modification offer ( between the XXXX/XXXX/XXXX expiration of the offer and the XXXX/XXXX/XXXX denial of the HAMP loan modification application ) and then back to {$2700.00} in XXXX/XXXX XXXX. 

I also noticed my bank statements through XXXX billing and prior to XXXX XXXX billing that show XXXX XXXX debiting my account for insurance that included my combined House ( in foreclosure ) & Car payments, through XXXX XXXX. I noticed that starting in XXXX XXXX, that XXXX XXXX XXXX debits now excluded the House ( in foreclosure ) insurance amounts. This change, without my request/intervention.Was this at the request or directive of NationStar Mortgage/XXXX ? What was their motivation, after taking this amount from me through XXXX ' XXXX while also assessing the same monthly amounts towards my outstanding mortgage debt? Taking it from {$15000.00} to over {$54000.00}. Why the change? 

I am thankful in obtaining legal representation to better represent my interests before this Big Bank and hope that it is clear that there are many questions that I hope they can honestly address.

Company response to consumer: Closed with explanation