Consumer complaint received 2016-09-01
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
NATIONSTAR HAS PREDATORY PROTOCOL IN PLACE TO SUBJUGATE & FORCE HARDSHIP LENDEES TO FORECLOSE on their home. NATIONSTAR actually makes HARDSHIP CASES MORE EXTREME. 
Under extreme hardship, I applied for a HARP/HAMP modification in XXXX XXXX and qualified beginning payments in XXXX XXXX. From XXXX XXXX until present, I pay insurances on my property while receiving annual disclosures from NATIONSTAR that they have paid my insurances ( Contact XXXX XXXX at XXXX XXXX XXXX. ) I When I received the documents, I immediately notified Nationstar of WRONG ADDRESS, WRONG DEED, WRONG INSURANCE, WRONG CALCULATIONS, et al. For sixteen months, I paid my INCORRECT mortgage while receiving phone call reminders from the XXXX every XXXX of the month. When I received the phone calls : I asked to speak to an American ( denied ) ; I was redirected to XXXX or into a phone loop. XX/XX/XXXX, Nationstar paid only XXXX of my Earthquake insurances and I was dropped from the Earthquake insurance causing a substantial increase to premiums. EVERY MONTH, I INFORMED NATIONSTAR. 
In an effort for a NATIONSTAR REPRESENTATIVE to contact me, I stopped paying my mortgage for 9 months. 
XX/XX/XXXX ( after sixteen months of bringing the INCORRECT INFORMATION TO THE ATTENTION OF NATIONSTAR ), I received a DELINQUENT XXXX XXXX COUNTY TAX NOTICE OF over {$14000.00}. At this time, NATIONSTAR refused to address my Federal XXXX and provide a XXXX person to assist me with the CORRECTION of the LOAN. 
I spoke for 2 and a half hours with XXXX XXXX who assured me that 1 ) PROPERTY TAX WOULD BE PAID IMMEDIATELY ( It has not ) 2 ) MY INSURANCE WOULD BE CORRECTED ( It has not ) 3 ) THE {$11000.00} would be applied to my arrears ( It has not ). I later attempted to call XXXX XXXX only to find that he was on " extended leave. '' XXXX assured me everything will be fine. Everything was " paid on his end. '' On XXXX XXXX, XXXX, XXXX XXXX County Tax Collector 's Office remains in DELINQUENT STATUS. 
At the end of nine months, I paid {$11000.00} in Cashier 's Check to the Nationstar Payment Center in the City of Industry with USPS Delivery Receipt. On the same day, resubmitted a HARDSHIP APPLICATION, sent documents via USPS, FAX withe receipt confirmation. That 's when XXXX XXXX finally called me. XXXX XXXX instructed me to send the " missing documents '' to XXXXXXXXXXXX. NATIONSTAR REFUSED TO ACKNOWLEDGE SPECIFIC MEMO ON CASHIER 'S CHECKS regarding each check as a PRINCIPAL PAYMENT ONLY and did not apply the money to my balance. NATIONSTAR refused & returned XXXX CASHIER 'S CHECKS specifically indicating ten months of interest payments at the compounded interest at 2 % for 26 months as calculated using a certified actuary. The amount was {$3900.00}. NATIONSTAR refused & returned XXXX XXXX and XXXX XXXX principal payments each in the amount of {$1100.00}. Simultaneously asking for arrears, refusing them. THE PROPERTY TAX IS STILL DELINQUENT. THE INSURANCE IS STILL INCORRECT. THE ACTUATION STILL BENEFITS NATIONSTAR and not the HAMP/HARP Participant. NATIONSTAR designed it 's modifications to prey on people who do n't understand real estate, property tax, insurance and interest. Please call me XXXX. 
I spoke for 2 and a half hours with XXXX XXXX who assured me that 1 ) PROPERTY TAX WOULD BE PAID IMMEDIATELY ( It has not ) 2 ) MY INSURANCE WOULD BE CORRECTED ( It has not ) 3 ) THE {$11000.00} would be applied to my arrears ( It has not ). I later attempted to call XXXX XXXX only to find that he was on " extended leave. '' XXXX assured me everything will be fine. Everything was " paid on his end. '' On XXXX XXXX, XXXX, XXXX XXXX County Tax Collector 's Office remains in DELINQUENT STATUS.

Company response to consumer: Closed with explanation