Consumer complaint received 2017-02-08
Company: NATIONSTAR MORTGAGE LLC
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I own XXXX. XXXX MI XXXX, which has been a rental property since XX/XX/XXXX since I was " upside down '' in my mortgage and could not sell due to the market. Due to an increase in property taxes, my mortgage payment to Nationstar increased by nearly $ XXXX in XX/XX/XXXX. I had been on leave to adopt a child ( unpaid ) and returned to work XX/XX/XXXX, and had just incurred {$15000.00} in adoption costs. My tenant would not pay the increase, and moved out abruptly owing rent and leaving extensive damage to the property. I contacted Nationstar immediately upon receiving the increase and told them my situation. I also subsequently informed them I would be listing the property for sale. We could not afford mortgage without a tenant and had to repair damage, but listed the property in XX/XX/XXXX. I requested a payoff quote on XX/XX/XXXX. In response to a letter from Nationstar re : mortgage relief, on XX/XX/XXXX I sent a complete package of materials to the address provided with a cover letter re : hardship that stated I was asking to negotiate a short sale. On XX/XX/XXXX, I received a letter asking for " updated '' /additional financial information, which I mailed on XX/XX/XXXX. I was subsequently offered loan modification, which I clarified and said I was only interested in selling the property and paying off the mortgage. XX/XX/XXXX, I received a letter stating that I was not eligible for loan modification. My husband spoke with XXXX from Nationstar also in late XX/XX/XXXX and she said that they had no application for a short sale and only a loan modification that was denied. I emailed her at the address she provided sending my XX/XX/XXXX letter and received no response to date. I called and spoke with XXXX on XX/XX/XXXX and she informed me for the first time that a short sale application has to be submitted by my agent through XXXX, and there was no record of my previous application. She said it could take XXXX days, but assured me that the foreclosure sale was not scheduled. I received a call from my realtor on XX/XX/XXXX that a showing had to be cancelled because our lockbox had been removed from the house. I called Nationstar and spoke to XXXX, who provided the new lockbox code, but was told the property was " abandoned '' and they had the right to do this. The heat was on at XXXX, lights left on, a for sale sign in the yard and I had been negotiating in good faith since XXXX! XXXX said the foreclosure was not on hold as we had been told, but no sale date had been set. I went to the home on XXXX/XXXX/XXXX and found my realtor 's lockbox had been pried open, and red antifreeze poured in sinks and stains and bright orange stickers on every appliance and sink, tub & toilet stating it had been " winterized '' by XXXX Properties on XX/XX/XXXX ( I have photos ). Water shut off with a box making it impossible to turn on. Blinds left lying on the floor in living room. I called XXXX who informed me it was up to Nationstar. In addition, there was a notice on the door of the house saying sheriff 's sale is scheduled for XXXX, even though they have my phone number, mailing address, and had specifically told me that no sale had been scheduled! I called Nationstar and spoke with XXXX who insists this is appropriate even though house is on the market and I am paying for all utilities and maintaining the property. I asked to speak to someone who could negotiate with me and was told there was no one, & to apply for a Deed in Lieu was a separate process that requires withdrawal of my short sale application. We had an offer and have submitted it through XXXX and Nationstar keeps coming back and saying they need more information from me, which I have now provided XXXX times. The latest was they required copies of my bank statements that had been mailed to me, instead of copies printed from my account online. Sale is this Friday!

Company response to consumer: Closed with explanation