Consumer complaint received 2017-06-01
Company: NATIONSTAR MORTGAGE LLC
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
How after the last lawsuit they had against them, they still can continue to scam people out of their hard earned money and get away with it!!!???? I am apologizing now for the long post, but sadly this is just part of the issues I 've dealt with this company, just so you can get an idea of what myself and 1000 's of others seem to be also dealing with, according to all the complaints against them. Prior to this problem in the last year, my wife and I have had a 100 % perfect payment history rating over the last 40 years of our life and a credit score of about XXXX. Now thanks to Nationstar, they have ruined my credit and business. I ca n't refinance my current mortgages or get any news ones, because of this SCAM OF A COMPANY. I XXXX XXXX  and XXXX XXXX XXXX and also have investment properties I currently am paying for, with no issues of course. Then there comes Nationstar, CAUSING PEOPLE NOTHING BUT HEADACHES!!! <P/>I have had over a dozen mortgages in my lifetime, 3 mortgages currently, ( One of which is Nationstar sadly ) several personal loans, credit cards, auto loans and more and have never ever once missed a single payment with any of these companies. SOMEHOW, EXCEPT OF COURSE NATIONSTAR..?? I purchased a home in XXXX and it was sold within a month and bought by Nationstar. Since they have taken over, I have had nothing but problems with them causing me so much money in fees, it makes me sick to think about. The last year has been the worse with them, from them holding my payments that were made, saying they have n't received them, or every person telling me something different, or telling me I have to speak with my assigned loan specialist XXXX XXXX ( WHO NEVER RETURNS ANY CALLS!! ), to putting me in a loan modification that I did n't even want to do, to using my so called NOT received monthly payments and applying them to fees being applied on my account, that ca n't be explained, by anyone of course, but by XXXX. I 've showed proof of payments, that they say were n't received and of course I was incorrect. Then the next person I speak to, says something different and tells me there is money ( Several months worth of payments ), that have n't been applied yet, but needs to do some research to find out why. She ca n't get answers for me, but says I need to again reach out to XXXX, who never calls back to get it figured out. I called back again and the next person says Oh, I see you were short {$.00} ( Yes, that 's correct XXXX XXXX cents ) and since a full payment was n't made, your payment has n't been applied. I then make this missing {$.00} payment, that my automatic payment somehow did n't make correctly, and it still does n't get applied. Making me late, yet another month of course, because now it 's the XX/XX/XXXX and the next month 's payment is due on the XXXX. I ended up paying the next month 's regular payment around the XXXX of {$1300.00} and all of the sudden, 4 prior month 's payments posted to my account..???? I call and ask what the heck is going on and they said, because I am in a loan modification, payments had to be a complete full modified payments and not partial payments, so payments were n't being applied and were sitting in an account. So when the {$.00} was short and I made the payment of the difference, they did n't apply the payment, because it was n't one full required modified payment. 2 months that they had received prior, went towards more fees, not the loan, over $ 3k!!! If you are confused at this point, DO N'T WORRY.. SO AM!! The modified payment, I did n't even want, but was somehow on, even without signing any papers. They told my daughter I had to do it in order to get my loan current or pay $ XXXX??. They spoke to my daughter who lives in the house. She was trying to figure out for us where the money is, from the payments that were made every month, is going and that she does n't have $ XXXX to get caught up, as she 's already been making her payments each month and does n't have extra money to pay 9 months of payments again all at once?? So, they ask what her household income is, not mine, the person on loan and apparently used that to decide, that we could do a modification, even though she told them, it 's not her loan, it 's my parents. They say oh it 's ok, it 's the address on the loans household income, so that is fine. I received the papers, asking me to sign the new loan documents, after they spoke with her. UMMM NO!!! I AM NOT SIGNING FRAUDLANT PAPERS, SO YOU CAN USE IT AGAINST ME LATER AND SAY I LIED AND TAKE MY DAUGHTERS HOME!!!! ..WHAT THE ACTUAL XXXX XXXX XXXX XXXX? Now, I am back to dealing with them and figuring out what is needed to get removed from the modification loan ( that again I did n't even sign papers to be on ) and caught up on regular payments. At this point, I plan to deal with the issues later, so I do n't get further behind and lose this house, because at this point it was in foreclosure status. I ask for an EXACT amount to be paid including fees, that will catch us up completely. They give me an amount of about {$9700.00} still, this is including money they still have in an account, not applied yet. XXXX???? You 've had my money for months, but were n't applying it and are just purposely not applying it, so you can charge me fees and take my money.? Anyhow, they send me a document, showing an amount they said I needed to pay to get caught up and be completely current, including any fees owed!! I go to my bank and WIRE them the EXACT AMOUNT TO THE PENNY, they said was owed. It gets applied and the next day it says I still owe another {$1400.00} or so in fees, that were n't included in the document. WAIT WHAT?? NOT GON NA HAPPEN!! I am finally showing current on my account, after fighting for almost a year now, however my statements still stay I owe more fees. I refuse to pay anymore fees, since I have a document of them telling me what needed to be paid to be current. It should n't be my fault they did n't give the correct number?? I am still working with them to get the fees removed, but have n't had any luck yet, but at least my loan is showing current now. OH, THE BEST PART. XXXX FINALLY CALLS AFTER 7 MONTHS AND SAYS, I WAS JUST MAKING SURE EVERYTHING GOT RESOLVED FOR YOU? REALLY????  THEY ARE A SCAM!

Company response to consumer: Closed with explanation