Consumer complaint received 2015-07-18
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
The servicing of our home mortgage was transferred from XXXX to Nationstar Mortgage XXXX/XXXX/XXXX. We always pay on time. XXXX XXXX Nationstar started reporting our credit XXXX days late which was wrong. How do you instantly go XXXX days late anyway?? This continued for months. We sent certified letters to all the Credit Bureaus and the officers of Nationstar explaining this and they did nothing! I then personally met with our Attorney General for Florida, XXXX XXXX and attorney XXXX XXXX head of consumer protection for Florida. I was assigned an attorney XXXX XXXX to help us. XXXX connected me with XXXX XXXX inside Nationstar Mortgage who was suppose to help us. After literally months of communications with XXXX and email copies to XXXX XXXX as a witness to this in the Florida AG Office, finally in XXXX XXXX Nationstar stopped reporting the false information but DID NOT REMOVE THE MONTHS OF WRONG HISTORY OF BEING 120 DAYS LATE WHICH HAS MASSIVELY HURT OUR CREDIT AND IN TURN OUR BUSINESSES AND OUR LIFE.! 
FROM XXXX XXXX to right now I have sent countless emails to XXXX at Nationstar to remove this deliberately false damaging history with no response except that he can not help me. I just hired XXXX XXXX to help remove this false history, I subscribed to XXXX reporting and have them resending a complaint to Nationstar to remove this. 
The fact that it is impossible to go from paying on time to XXXX days late the very next month with no progression of lateness i.e., XXXX, should be conclusive enough proof for anyone that there is a serious error here! We have documented receipts from Nationstar every month showing the amount we paid to them, the date paid and what it paid i.e., the specific mortgage. We have XXXX separate mortgages on XXXX different pieces of property, XXXX being our homestead and Nationstar has falsely reported XXXX days late for months on XXXX loans that are always paid on time. 
We own and operate several businesses and the distruction of our credit by Nationstar Mortgage has already cost us well in excess of {$100000.00} in damage because we are not able to access the normal capital we use each year to operate our businesses. We have had to lay off employees, miss growth opportunities and shut down parts of our business because of the direct damage to our credit. Although we have worked very hard for over XXXX years and have XXXX dollars in equity in property, equipment and our businesses, we are now unable to get any credit from any source because of the attack on our credit by NationstarMortgage. 

One last added piece of information that shows how corrupt Nationstar is, in XXXX XXXX, the same month they started falsely reporting our loans as being XXXX days late, THEY THEN BEGAN EXTORTING XXXX OF MORE DOLLARS PER MONTH ON OUR LOAN PAYMENT FOR OUR HOME. THEY FIRST TRIED TO INCREASE OUR $ XXXX monthly payment to $ XXXX+ FOR NO REASON AND AFTER DAYS OF FIGHTING THEM BY PHONE, THEY SAID " WELL WE CAN CUT THAT INCREASE BY {$500.00} PER MONTH '' WHICH MEANT WE WOULD ONLY BE EXTORTED TO PAY AN EXTRA $ XXXX WHICH WE HAVE HAD TO PAY OR THEY WOULD AS THEY STATED TO US XXXX PUT US INTO DEFAULT IF WE PAID ANYTHING LESS THAN THE AMOUNT THEY TOLD US TO PAY '' I SAID WHAT IF WE MAIL IN THE REAL AMOUNT OF THE LOAN AND THE REPRESENTATIVE SAID " WE WILL NOT DEPOSIT YOUR CHECK AND FORCE NONPAYMENT OF YOUR LOAN '' THIS IS I BELIEVE CRIMINAL EXTORTION! 

PLEASE HELP US STOP THIS CRIMINAL ACTION AGAINST OUR CREDIT AND HAVE NATIONSTAR REMOVE THE WRONG HISTORY OF XXXX DAYS LATE ON OUR CREDIT RECORD! THANK YOU, XXXX XXXX

Company response to consumer: Closed with non-monetary relief