Consumer complaint received 2017-03-17
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We are demanding a cease and desist to Nationstar, and its trustees. Nationstar has our home scheduled to be soled on the XXXX of this month without cause. Nationstar is violating guidelines and regulations regarding this action. Nationstar has unlawfully filed a notice of foreclosure in XXXX of 2016. We were granted a modification on XXXX 2016, with a payment of {$1600.00} for months 6,7 and 8. After that a permanent mod was given with a payment of {$1600.00}. Final docs were signed on XXXX 2016 with a new permanent mod payment of {$1600.00}. After that when we sent in our payments, to a contract we signed, and the bank agreed to, the bank refused the payments and stated our mortgage payment would be higher even yet. This was completely unlawful and in opposition to the contract signed. We refused to pay a " bate and switch '' new payment that was higher than the one agreed to by contract. The bank continued to refuse payment, creating the past due on purpose, then filing a notice of default, when we were not in default, rather they were in violation to the agreed upon contract, causing great harm and distress to our family. I faxed them a request and explanation for the correction, which never happened. Later, in XXXX/16 I received a annual escrow account disclosure statement telling me our payment was now going to be LOWERED to {$1600.00}. yet the payment continued to be refused stating the payment was not enough. The next day I got a statement to pay the {$1600.00}, which, as previously stated was refused by the bank. On XXXX/16, one day later I got a letter from the bank stating we were 30 days behind and they sent us letters to that effect, which is a lie, no other letters were sent other than the ones described above simply stating continually changing payments that were all incorrect XXXX not according to our contract. The VIOLATIONS OF GUIDELINES AND REGULATIONS CONTINUED, as they put us into foreclosure for no reason, the wrong doing is COMPLETELY THEIRS, NOT OURS. The very next day, XXXX/16 we get yet another letter now telling us we owe {$49000.00} and {$1500.00}. We have faxed over demands to explain these actions, and violations and to restore this modified loan to its correct, original amount that was lowered to XXXX. This request, then demand was forwarded to Nationstar XXXX different times, with no response at any time. I found our we were in foreclosure by a friend telling us, an no notices were sent to us, and no posting on the door at any time, which is required by law. Please make sure this sale is stopped and the bank held accountable for this intentional action to harm my family with this illegal foreclosure. Please contact my third party representative, my administrative assistant ( non legal ), who will make sure we get the information and we will get back to you. This information is as follows : XXXX is her name, her address is XXXX, Ca. XXXX, and her phone number is XXXX, as was the request given to the bank also, by fax, with no response at any time. WE DEMAND THIS SALE BE STOPED UNTIL THIS ISSUE IS RESOLVED.

Company response to consumer: Closed with explanation