Consumer complaint received 2015-10-16
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
When my ex-spouse and I, XXXX ( XXXX ) XXXX purchased our home with a mortgage loan in XXXX, we had XXXX and a XXXX loan. In the year XXXX we decided to refinance the loans in order to consolidate the loans and stay with XXXX loan, XXXX payment. On the original loan in XXXX I, XXXX was only on the deed but when we refinanced the loans, I signed the note. In XXXX I, XXXX applied for a modification with XXXX and they granted a trial temporary stipulation agreement, which in turn I paid the set down payment and amount designated monthly to completion. XXXX then proceeded and sent me the second modification package but my ex-spouse went on a drug binge and decided to call and tell the bank, asking them not do the modification, he lied to the bank stating that I was never on the note. Soon thereafter, XXXX had sold the loan as a high risk loan in the secondary market to XXXX XXXX XXXX who bought my loan. XXXX XXXX XXXX went with my ex-spouses false statement of me not being on the note and refused to deal with me at all, forced me to get court mandated motion after motion in order for me to act on behalf of my husband, filed a power of attorney to act upon my interest to modification for the loan and XXXX XXXX XXXX never responded to XXXX plus RMA packages which I filed and submitted with all of the documentation necessary and thorough follow through. Eventually, I was forced to default on the loan as I waited for a modification response from XXXX XXXX XXXX who refused to accept payments from me and then was served with a foreclosure order, which I addressed by going to court properly within the 20 days afforded as to continue asking XXXX XXXX XXXX to please award a modification so I could afford my home. Eight years later, XXXX attorneys later, I found the refinanced loan note that names me as the note owner as well as my ex-spouse. I moved forward and hired another attorney who in turn found that on the original foreclosure petition served to me and my ex-spouse, clearly states that I signed the note on the refinance and rightfully owned the property all along. I state once again, when XXXX XXXX XXXX served me with the foreclosure notice, they named me has XXXX of the note owners ( signed note by me ) yet they denied my rights as a real estate property owner, all the while denying me the ability to act upon the loan. Because, I was a battered women, in an awful marriage, physically, mentally and emotionally abused by my ex-spouse, I was under great duress and my mind was led to believe that I really was n't on the note, for years I believed that statement which also did not allow me to properly defend my stance for ownership of my home loan. XXXX XXXX XXXX refused to accept my previously stipulated agreement payment as the monthly payment in order to keep my loan up to date, stating that I would need to apply for the modification with an RMA application, which I did but they continued to ignore the RMA packages which in turn was creating an excessive forbearance, of course separating me further and further from the TRUTH. Now, moving forward, In the year XXXX my ex-spouse and I became separated and I filed for divorce, the judge awarded me my home in the divorce, gave me a permanent stay away order for my ex-spouse, granted the motion for me too act upon the mortgage in order to act upon the modification of the loan which I did, still to no avail. Again, drifting further into an accrued forbearance and further from someone defending the TRUTH.Unfortunately for me, I have been forced to hire council, XXXX attorneys of which, none were experts in the world of home loan modification processes, costing hundreds and thousands of dollars that could have, should have been used to pay down my mortgage. Because of this fact I have not been able to make little or no progress in obtaining a home loan modification t

Company response to consumer: Closed with explanation