Consumer complaint received 2017-04-01
Company: NATIONSTAR MORTGAGE LLC
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I would like to submit a formal complaint about Nationstar Mortgage LLC. I have been attempting to work with them for the past several months to bring my account current. They are unwilling to help or assist in anyway. I made a double payment on XX/XX/2017 only to have it refused and sent back. I contacted Nationstar and was told my house was set to foreclose and go up for auction XX/XX/2017 and I could no longer make payments unless it was in full. I was never notified of any foreclosure and certainly never notified of an auction date. I immediately engaged a non-profit, XXXX specializing in these matters and supplied them with all the info and documents required to work out a repayment. They never heard back from Nationstar and neither did I. In a state of panic I listed my home for sale and received a contract within a few days. The contract and sellers agreement was given to Nationstar and also to XXXX. I got confirmation that they did in fact receive it twice by both parties. Still Nationstar did nothing to postpone the auction or provide me with any formal communication of postponement. My closing was scheduled for XX/XX/XXXX and Nationstar still would not communicate with me nor the non-profit helping me, only to say " you have to wire payment in full to stop the XX/XX/XXXX auction. '' Title search was completed by closing attorneys and they could not find any evidence that the house was in foreclosure and set for auction. To this day I still have not received and formal notification from Nationstar telling me my house is in foreclosure and set for auction. I only found out verbally in XX/XX/2017 because I called them about the returned payment. I am in shock that they could act this way and just take my home without any notice and a refusal to work with me or the non-profit I engaged for help. I have googled my address and some sites indicate that my house is set for Auction on XX/XX/XXXX even though I have a binding sale in process. Nationstar has ruined my credit, tried and still are trying to take my home but will not put anything formal in writing. They are horrible!!!. In light of their what I believe to be illegal actions, my realtor, buyer, and closing Attorney managed to pull off a miracle and closed my home on XX/XX/2017. Insult to injury, Nationstar would not provide a pay-off for my home to the closing attorney nor would the attorneys representing Nationstar. I fortunately had requested a pay off statement on my own and that is what we used to close with. Included in the closing statement are a bunch of erroneous charges that the closing attorney questioned, one was for {$45000.00} just listed as Lender Paid Expenses. What is this? I can never get any answers or explanations or even the same person on the phone when I call Nationstar. Please help! I am afraid that even though my house has been sold and I have confirmation that they received the wire of all funds paying off the loan, That they will still put it up for Auction on XX/XX/XXXX. I ca n't let that happen to the new homeowners. I am begging for help here ... I have never received any notice of sale or order setting sale.

Company response to consumer: Closed with explanation