Consumer complaint received 2017-11-16
Company: NATIONSTAR MORTGAGE LLC
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
***I do not have an attorney ( counsel ) yet and therefore I did not get an answer from complaint XXXX. I filed bankruptcy in XX/XX/XXXX and the attorney if ONLY handling my bankruptcy claim. I 've spoken to my bankruptcy attorney XXXX XXXX and he stated very clearly he has never received and documentation from Nationstar, and he does n't assist me with this matter**** ***Also, I 've been XXXX since XX/XX/XXXX as well ... ... ... 

****Since I have not funds, I have also contacted HUD and filed a discrimination complaint as well. Explaining to them, I ca n't get answers as to why I still owe twice as much for a loan since XX/XX/XXXX, which was suppose to be a line of credit loan, which XXXX XXXX now XXXX assured me was all I was qualified for and I only borrowed XXXX at the most in XX/XX/XXXX, and because I was late with a payment, I was told that I could n't borrow again, and the terms of the line of credit was dissolved. My interest payments have averaged over $ 6,000.00+.yearly since XX/XX/XXXX In XX/XX/XXXX, after years of dealing with XXXX XXXX, I was offered a loan that they said was called a revolving credit loan ( line of credit ) up to {$50000.00}. I agreed to it because my credit was poor and I ended up taking it out, borrowing no more that XXXX. Soon after ( several months ) I told that the terms were forfeited because I was late with a payment. For years, XXXX XXXX was loan flipping with me.. Always offering me another loan to pay out the other loan They were always calling me to say, they would pay the other loan out and give me more cash. The interest was 31 % + and they were holding my house title as collateral. They always added credit insurance, document prep. fee, exam fee, credit investigation, origination fee, and so on. I wasnt given a choice to add credit insurance in the event I became sick and eventually XXXX. It was mandated with the smaller loan, but I was never afforded the opportunity to add it to the bigger loan. I feel I was targeted by XXXX XXXX, because I was a XXXX female with bad credit and I did n't know any better. I 've been reading lately on and I 'm so upset that they offered me a line of credit even though I have substantial equity in my home. They would periodically call and prey on me and offering me more money knowing that my credit score was extremely low and in XX/XX/XXXX, they knew my situation of needing money for my childs graduation. 

For over ten years, I paid just interest on the loan of {$6000.00} plus yearly, never able to decrease the balance. XXXX XXXX, which had changed its name to XXXX informed me in XX/XX/XXXX, that my I had a balance was still {$46000.00}, which they were now selling this loan to Nationstar. 

Since the transfer to Nationstar, Ive never been able to talk to a person that would give me the same information. They started saying I had escrow, they had all kinds of other charges attached. If I did n't pay the full note, the payment would go into another part of the account. I asked several times, what type of loan it was and was told by several people that it was hard to explain. There was a lot of hidden fees. I 've always paid my own property taxes. I just did n't get any breaks and then Nationstar started having people pass by my house to take pictures. I felt so intimidated and on the verge of a mental breakdown because Nationstar was threatening to take my only possession, my house. 

Again, I do not have an attorney at present, and once I 've gotten a response from Nationstar, with both this complaint and the one to XXXX, I will figure out my next step. 

Thanks XXXX XXXX XXXX ( no legal counsel )

Company response to consumer: Closed with explanation