Consumer complaint received 2018-09-03
Company: NATIONSTAR MORTGAGE LLC
State: MD
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
My mortgage was serviced by XXXX XXXX XXXX XXXX when foreclosure was initiated on XX/XX/XXXX. XXXX XXXX XXXXXXXX, XXXX was assigned the mortgage in XX/XX/XXXX. The mortgage was later foreclosed, following a foreclosure sale of the property, on XX/XX/XXXX, according to court records. The fair market value at the time of the sale was approximately XXXX and the property sold for XXXX. The property was sold to XXXX XXXX  XXXX ( the previous beneficiary ) as trustee of XXXX XXXX XXXX XXXX on that date. 

XXXX reported the foreclosure on my credit report and noted that the account had been transferred/redeemed/foreclosed on XX/XX/XXXX. This is where I believed the foreclosure saga had ended, factually and legally. In contrast, records sent to me from XXXX in late XXXX indicate that XXXX maintained an account in my name on behalf of XXXX XXXX XXXX and charged in excess of {$50000.00} for various home improvement, cash keys bonus, trash pickup, and other charges between XX/XX/XXXX and XX/XX/XXXX. 

Apparently, Nationstar bought all of XXXX 's debt or loans sometime in XX/XX/XXXX. Nationstar sent a welcome letter to me demanding payment for {$62000.00} on XX/XX/XXXX. The welcome letter also stated that the loan was being serviced on behalf of XXXX XXXX XXXX. I did not timely receive the letter owing to my own fluctuating living circumstances. 

In XX/XX/XXXX, I received two XXXX for the property ( XXXX XXXX XXXX ) : a XXXX from XXXX discharging {$200000.00} and a XXXX from Nationstar canceling debt in the amount of {$94000.00}. ( See Attachment A. ) When I first reached out to Nationstar inquiring about the XXXX and why they were reporting discharged debt, I received a letter stating that the XX/XX/XXXX letter demanding payment was sent to me in error and no amount was owed to Nationastar. ( See Attachment B. ) I  followed up with the customer relations official named and certified on the letter, but she offered me no help or guidance on the XXXX itself. 

A year has passed and I am still attempting to get a corrected XXXX from Nationstar. I called customer relations on XX/XX/XXXX asking for a corrected XXXX. I sent the letter to another official in customer relations, as she demanded proof for the fact that Nationstar had previously informed me that no amounts were due to the company. In response to my XX/XX/XXXX dispute and request, Nationstar ( D/B/A Mr. Cooper ) sent a letter indicating that it would not issue a corrected XXXX and that records indicate that a remaining balance due on a loan in the amount of {$210000.00} was cancelled on XX/XX/XXXX. That remaining balance is allegedly {$94000.00}, which is reflected on the XXXX. 

As a result of two mortgage lenders claiming that they discharged debt on one mortgage for one property ( a property that sold to a third-party for {$240000.00} on XX/XX/XXXX ), I am facing a tax liability of nearly {$25000.00}. I am going to pursue insolvency for tax purposes, but I am in no way accepting liability for Nationstar 's alleged debt discharge. And, I am submitting this complaint today to shed light on these practices.

Company response to consumer: Closed with explanation