Consumer complaint received 2017-02-17
Company: NATIONSTAR MORTGAGE LLC
State: WY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Hello, I have filed complaints against Nationstar Mortgage through CFPB in the past. The complaint that I am filing today is much the same as the former complaints, since Nationstar has still, to this date, offered no resolutions. Nationstar associates have stated that the situation has been resolved, however, they have offered no proof which can refute my complaints and the wrongdoing which has taken place regarding my mortgage. On XXXX XXXX, XXXX, XXXX XXXX, of Nationstar, responded to my complaint, through CFPB. Because his response did not resolve any of my concerns, or provide proof or documentation that I had requested, I sent a dispute on XXXX XXXX, XXXX. I never received a response to that dispute through CFPB. On XXXX XXXX, XXXX, I received a check which was a settlement from a lawsuit, XXXX XXXX Nationstar Mortgage , LLC. I have not cashed this check, but it does, however, confirm that Nationstar continues to have issues regarding their mortgage handling practices. 
My mortgage originated with XXXX XXXX XXXX, in XXXX. With it being my first mortgage, I was not aware that it was originally set up incorrectly. Because there is more than XXXX acres with my home, I 'm now told that the mortgage should have been set up as an agricultural, rather than residential. When interest rates dropped in XXXX, my wife and I attempted to refinance. We were told by several banks that our mortgage could not be restructured since it had been set up incorrectly. 
In XXXX, we attempted a loan modification. XXXX XXXX XXXX informed me that they were only working with customers who were at least 90 days delinquent on their mortgages. Because we desperately needed a lower interest rate, we went delinquent so we may complete a loan modification. XXXX associates misplaced our paperwork during the first two attempts. Finally after the third attempt, and seven months into the delinquency, when all documents were viewed, XXXX informed me that the Certificate Holders of my mortgage did not participate in loan modifications. I had not been aware that XXXX was no longer the owner of my mortgage. Upon inquiry, I was told that the mortgage had been transferred to XXXX XXXX Bank, XXXX XXXX XXXX, XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX, CA XXXX. This is also the address listed at the local Courthouse. However, if one does a XXXX search, this address is the parking lot of a XXXX XXXX XXXX building. I requested a phone number for this bank, and was given XXXX by a XXXX associate. The phone number is busy 24 hours a day. XXXX separate bank presidents of our XXXX XXXX Banks have done extensive research and found that XXXX XXXX has no connection to my mortgage. This may have contributed to the reason that XXXX could not complete a loan modification. I then attempted to complete a Short Negotiated Pay off with XXXX. My offer was under review when my mortgage was conveniently transferred to XXXX XXXX XXXX. 
The process then began with XXXX XXXX XXXX. It was basically the same story as XXXX. Faxing documents to complete a loan modification. If XXXX needed one line of one document, it was required that the entire file be re-faxed. Finally, XXXX also denied my loan modification attempt. I then attempted a short negotiated pay off. While my offer was under consideration at their underwriting department, my mortgage was again transferred, this time to Nationstar. 
The experience with Nationstar has been even worse than the XXXX previous. XXXX XXXX stated, " Additionally, we are unable to attest to the actions of XXXX XXXX XXXX and XXXX XXXX XXXX ( XXXX ) in regard to the modification process ''. However, when Nationstar purchased my mortgage, they purchased every aspect of the loan. This would include the improper securitization, as well as the fact that it was a toxic loan. Thanks

Company response to consumer: Closed with explanation