Consumer complaint received 2018-04-02
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Dear Above, 1. Im writing today to find out THE TRUE amount on this loan, as I have never been told other than what Mr Cooper listed on my new loan and I had asked for a break down. Mr Cooper new loan was to be {$370000.00} at 3.75 % and the second at XXXX to be paid when at end of 40 years or when transferring the condo, for a total of XXXX. At the current time the condo only worth around {$380000.00} or {$390000.00}, making it around {$97000.00} over current value. I understand I signed the new load docs, but it was done under stress to prevent losing my only home. I also asked many time for a break down or proof of what the loan amount were and how they became so high, as the original loan was {$340000.00} back inXX/XX/XXXX. 

2. Also I would like to see the original signed notes and all the transfers of this loan, Transfer RIGHTS, to the multiple lien holders, to see if they had or have a LEGAL RIGHT to charge what they wanted and if they truly hold the legal rights to my loan ( original documents, only please ) and the transferred dollar amount, to justify and prove any amount claimed in my new loan, justify the high new loan amounts. 

3. I was told and spoke to that of Hemp or Harp ( government loan help ) was a part of helping on this new loan. I dont see any help at all and are the FULLY AWHERE OF THE 2ND LOAN AMOUNT ADDED TO THIS LOAN. Please show any and all government loan help added to help on this loan. Any dollar amount and who was in charge ( contact info ) of the this loan for Harp or Hemp. 

4. I paid from XX/XX/XXXX to XX/XX/XXXX ( {$2000.00} a month ) for a total of {>= $1,000,000}, IN PAYMENTS. I only received a Annual Tax and Interest Statement form, stating I ONLY PAID 1.  {$9500.00} in mortgage interest and 2. Stats my outstanding mortgage principal was {>= $1,000,000} AS OF XX/XX/XXXX, if thats true why is my loan amount XXXX, WHERE DID THE REST OF MY PAYMENTS OF {$6500.00}, GO AS THEY ARE NOT LISTED OR REDUCED MY LOAN BALANCE, OR NOTED IN MY INTEREST STATEMENTS. I called before and was told, my first 3 payments went to cost etc, but no clear answer was given or information provided, or was it noted on my interest statements. Please see interest statement and all attached payments noted by Mr Cooper since XX/XX/XXXX, Under Payments and Interest. 

5. My impound monthly amount is off and Im being charged more than my current tax amount, please provide my right and current amount due. 


6. I filled chapter XXXX in XX/XX/XXXXand my paperwork from the courts, show on XXXX XXXX XXXX XXXX # XXXX, the loan was lower to {$200000.00} inXX/XX/XXXX, by the courts. Due to attorneys error the chapter XXXX was changed to Chapter XXXX and non discharged. During that time period who own the note to my condo and who did it transfer to and at what amount, also what credits or charges were added to discounted during that timeSo Im asking for a history of this loan, as it been transfer and changed a lot and no one can seem to give a honest answer or prove the amount I should paid other than, this is it.Sorry not good enough. 
So in closing I would like to have a full credit of the 3 months applied to my loan, to make my loan current, as I stop paying in XX/XX/XXXX, do due all of the above. I would also like to know why I have a 2nd over {$97000.00}, over the current value, when the load mod and government help was to lower my amount. I would also like a TRUE AND RIGHT cost charges and break down from the original loan amount to current and PROOF of RIGHTS of my loan and showing that the current lenders has the rights and true ownership of my loan, by providing ORIGINAL SIGNED DOUMENTS, TRANSFERS AND ANY DOUMENTS REGURADING MY LOAN. 


Thank you,

Company response to consumer: Closed with explanation