Consumer complaint received 2017-05-16
Company: NATIONSTAR MORTGAGE LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
To : Nation Star Mortgage Company Attn : Customer Relations XXXX XXXX XXXX XXXX, TX XXXX DA : XXXX XXXX, XXXX RE XXXX  Request a Copy of My Full Mortgage Payment Account History/File from ( XXXX XXXX to XXXX, XXXX ) This letter comes to request a copy of my entire mortgage account payment history/file from the inception of my mortgage loan which was XXXX XXXX to XXXX, XXXX ( the present. ) As my present mortgage holder, I was informed that my present mortgage holder should have my entire mortgage history. You obtained or my loan was transferred to you from XXXX XXXXXXXX XXXX. All documents were transferred when you became the new mortgage holder of my loan. I must reiterate, that you ( NationStar ) sent a document entitled Full Account Payment History which included only my mortgage payment history from XXXX to XXXX. I must state that 2 or 3 years is not my entire mortgage history or file. Once again, Im kindly requesting my entire mortgage history/file, which should included signed documents and an explanation of how one obtained my present balance. Nevertheless, if you cant provide the  requested information or documentation, it leads me to believe that my present balance could have been fictitiously created? I must inform you that I have never heard of anyone taking 60 years to paying a 30 year mortgage. This is simply ludicrous and unacceptable in my opinion. I must inform you that my mortgage loan did not start in the year of XXXX. However, it did start in XXXX XXXX, which includes a total of 27 years + 3 additional years of mortgage payment history. According to the last documents I received, one would believe that my mortgage loan was ignited in XXXX, which is definitely not true! My Resolution, Concerns and Request Are As Follow : *Please provide a copy and proof for the follow request below* My present mortgage balance is more than I paid for my house back in XXXX, after paying 27 years of payments. You have not sent me a copy of my entire mortgage history file, as I have requested on 2 different occasions. ( see attachments dated : XXXX XXXX, XXXX, XXXX XXXX, XXXX My mortgage loan was for 30 years and not 60years. According to my present balance, ( {$65000.00} as of XXXX ) it would take 30 more years to pay-off my loan, according to the present balance! I paid an additional 3 years in advance and above my premium monthly payment to pay my mortgage off I advance/prior to 30 years. My files may possibly have been mixed in or construed with someone else mortgage files or payment history etc. Please provide a written explanation of how my present mortgage balance is higher than what I purchase my house for in XXXX. I financed {$61000.00} in XXXX, Approximately 27 years later, I presently owe {$63000.00} +. Please explain and provide a written document within 15 days.. How much interest was paid toward my mortgage loan from ( XXXX XXXX, XXXX ). According to my records Ive paid a total of {$32000.00} in mortgage payments thus far.

Company response to consumer: Closed with explanation