Consumer complaint received 2017-04-19
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My husband passed away and was the bread winner in our family. When he was ill  XXXX  modified our loan at 2 %. When my husband passed away I could not get any survivor benefits until I was  XXXX  yrs old. I was able to keep payments up for pretty muc h s year  I then let  XXXX  know my situation and asked if there was anything we could to to help me make my payments until I turned  XXXX  which was about  12 mo  away at that point. They had me do paperwork and was with the underwriters review when my   XXXX   XXXX   loan was sold to  Nationstar.  I called immediately explained what was going on and was told they would do nothing to help me. They referred me t o HOPE. The hope counselor and I had three way call with NS and asked if t hey took the Keep Your  Home Calif  program all the time they told us. So I did the paperwork went through process and just as I turned  XXXX  was approved . NS then after allowing me to get behind all those payments because I called every two to   make sure we were good NS would tell me no worries. Never harassed me for payments just let me go through process like it was the norm when they refused KYHC I could n't understand I had just started getting husband 's benefits and could easily have resumed my payment at 2 % interest and  KYHC would have caught me up. NS said no worries we 'll modifiy you for these back payments they sent mail saying if you make your first three paymen ts of  XXXX  on time we will modify. I did and then was sent modification paperwork where their modification was really raising my interest from 2 % to  4and a quarter and m y payments were now  XXXX  when I said what was the  XXXX  I had paid for the first 3 months they told me oh that was for impound account which they never once mentioned. At the time interest rates were  XXXX  to  XXXX  and I was at  XXXX  and a quarter. They new I would n't be able to pay more. I have fought with everything I have since then because to lie say we take  KYHC  and let my payments go from  3 b ehind when I applied to then 13 months behind then raise interest rate make it unaffordable really speaks to the fact that I everything they did was for financial gain not in good faith to help me.i have continued my fight applied again for modification with NS that no matter how hard you try they never get all your paperwork. I finally cAlled  XXXX   XXXX  to ask them to help me make them get my paperwork they spoke with them I was told that they just needed a be document so I kept a loan  specialist on the phone until she told me that she received that document all my paperwork in and was denied because said all paperwork not in. I was assigned a loan specialist  along time ago which no had many times I called he never answered and never returned my calls I do n't think he even exsidted. I now owe them  XXXX  back payments owed  XXXX  when this started and they want my house because I have  XXXX  to  XXXX  in equity it very obvious that is why they wo n't help me I have lived here 40 years my husband and I made our payments for  XXXX  of those years stayed in our home because we wanted the equity for our retirement I believe  Nationstar  has done all of this for their financial gain and I believe the thSt is fraud why should they keep putting me off let what I owe them grow and then take my house because they will make about  XXXX  to  XXXX  on top of what I owe them that is fraudulent I am tried of the lies. Had they taken  KYHC th e junior lien would have fallen off in   XXXX   and I would have paid so much more if my principal down and reversed mortgaged my I have n't been able to move on with my life because I have had to fight so hard this is my home not NS 's and I thought lying to me for financial gain was fraud they also lied to you when I wrote to Obama and t he White House for warded my letter to you they said they did n't take  KYHC because I was n't in modific ation and that was lie please help me keep my home

Company response to consumer: Closed with explanation