Consumer complaint received 2017-04-28
Company: NATIONSTAR MORTGAGE LLC
State: CT
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Struggling to pay mortgage

Complaint:
I liv e in CT. My husba nd died, I   XXXX   XXXX   XXXX   & saw  XXXX  on TV, so I took out a reverse mortgage, thinking I was securing my future - BOY WAS I WRONG!!! They said I could die in my home & they would pay the taxes when I took out the reverse mortgage. I would have been better off leaving them alone & just taking out a 2nd mortgage!!! When I took out the reverse mortgage in  XXXX . My home was almost paid off, 37 years of a 30 year mortgage with no  2nd mortgage or r e-fi. The reverse mortgage bank started by paying the taxes, stopped paying the taxes, then started paying the taxes again, then foreclosed.   They only gave me {$3000.00} and no monthly stipend. I 've never gotten anything from them except headaches!   They told me I did n't need a lawyer present to sign the papers. We did it at my kitchen table in about  XXXX  minutes. I trusted them & now I 'm screwed. They did n't even give me back a copy of the signed paperwork. I do n't even think there 's notaries on it. There was no witness of the signing, it was just me & the lady at my kitchen table. The guy that drove her waited in the living room.   Somewhere it got sold to  Champion  & the trouble really began. Champion has an " F '' BB B rating I later fo und out, they were not who I took the original loan out with. I also just found out Champion withdrew their right to do business in  CT in 2001 per the Sec of State Business Office.    When my friend  XXXX  came to court with me in  XXXX   XXXX  & yelled, " FRAUD '' in the courtroom, she did n't get hauled out in contempt. A week later I received a letter saying that the loan had been sold to Nationstar Mortgage, which is a D/B/A  of Champion & Champion was goin g to still service the loan.  XXXX  heard something about the note & the loan ca n't be separated, but she is n't a lawyer & does n't know what to do with that info, but knows it 's important.  XXXX   XXXX  has come to court & spoken for me several times because I do n't hear very well & I do n't understand what 's going on all the way about this case.   I 'm having a hard time find a lawyer to take this case. She has contacted over  XXXX  dozen lawyers for me & no one wants to touch this case with a  XXXX  pole, either because they do n't understand reverse mortgages or they ca n't fit it in their case load or they do n't call back. We 've been to mediation, but the opposition wo n't speak in front of her & it 's useless to speak to me if she 's not there because I do n't really understand.   Now, after th e 5th time goi ng to court, the judge is n't letting her speak for me anymore, because she is obviously lifting the veil on the alleged corruption of this foreclosure mill operation & predatory lending practices. I have no blood relatives. My dog  XXXX  & I nowhere to go, because senior housing is full, waiting lists are years long and most do n't even take dogs. PLUS they are the size of a shoebox  - 325 sq ft - full of o ld people!   These  Champion  people are crooked. Everybody we 've spoken to gasps & rolls their eyes when we mention their name.   I pay my house insurance,  XXXX   XXXX , direct debited from my account, and they say  THEY pay my h ouse insurance too. How can that be - getting paid from BOTH of us?   A while back  Champion  called me & said I owed them {$18000.00} & they wanted a cashiers ' check all at once. I told her I did n't have money like that. She told me I could pay her by money orde r. ( Ver y fishy, because money orders only go up to {$490.00} & felony charges start at {$500.00}  XXXX  told me, she 's not sure if she 's right, but that 's what she had heard ) I paid  $ 500.xx some odd dollars by personal check for about 7 months, then the same girl  XXXX  call ed & told me  to stop. What was THAT about? I did n't think anything of it until  XXXX  pointed out I was being taken for a ride. Now I 'm mad that they lied to me & my house is getting ripped out from underneath me. I trusted them. They said I could die in my house & they would pay the taxes. Is n't that breaking verbal contract? I need a lawyer & a bookkeeper to go over all of this please can you help me?    XXXX  has been talking to :  The Dept of B anking, who is waiting on a reply from Nationstar.. they have 60 days to reply from early  XXXX  - BUT I 'm supposed to be out of here  XXXX / XXXX / XXXX  - to where, I do n't know ...   She has spoken to Fair Housing ; been to DC - Even the  XXXX  Senator  XXXX   XXXX , says that there 's a problem with reverse mortgages on the islands.   In early  XXXX , in  XXXX , CT  XXXX  spoke to  XXXX   XXXX   XXXX  &  XXXX   XXXX   XXXX ,  XXXX   XXXX  &  XXXX   XXXX   XXXX   XXXX  on my behalf &  XXXX   XXXX   XXXX  says there 's a Bill to # ReformReverseMortgages on the Floor as we speak. She 's spoken to  XXXX   XXXX  &  XXXX   XXXX  too. - but will that keep me in my home? We have even been on  XXXX   XXXX   XXXX .  XXXX  put those  2  clips together & has been blasting them out on  XXXX   XXXX   XXXX  with alm ost 4,000 view s between  the 2 cli ps.  XXXX  has even snailmailed  XXXX   XXXX   XXXX , Atty  XXXX   XXXX   XXXX  's  3 of fices &  XXXX   XXXX  AND has tweeted  XXXX  several times # SaveSabina # ReformReverseMortgages # StopSeniorForeclosures She has put out MANY emails & phone calls & gets no response or out of office replies. It 's even funnier how she included MANY state departments on an email, only to have them bounce back THEN a week later, a person fro m one of those offices resigns & de cides to throw their hat in the ring for governor ... the dots WILL connect themselves ... They ALWAYS do ... She 's even helping me fill this out. # StopSeniorForeclosures  XXXX  https :  XXXX   XXXX  JUST FOUND that LOAN #  XXXX  's INSTRUCTIONS TO NOTARY ARE IN CT TO HAVE 2 WITNESS + NOTARY - IT WAS ONLY THE  LADY & ME AT  MY KITCHEN TABLE - the guy that drove her waited in the livingroom, nobody notarized anything!      XXXX  is coming to  XXXX   XXXX , CT  XXXX   XXXX   XXXX    XXXX   XXXX  -  XXXX  will be there! She bodyguarded him in the movie  " Two Weeks Notice ''  she told me.     We 're having trouble trying to figure which papers you need to see & how to get them to you .... It 's a lot. They 'll be coming.

Company response to consumer: Closed with explanation