Consumer complaint received 2016-09-19
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XX/XX/XXXX I became behind on my mortgage because my husband XXXX. XXXX was the original lender. I found out XX/XX/XXXX that Nationstar was now who make payments to. I contacted them about a loan mod and proceeded with the paperwork. I dealt with atleast XXXX different people as my point of contact, and not one of them got the documents submitted to underwriting in 8 months. From XX/XX/XXXX until XX/XX/XXXX when I finally received an email from XXXX XXXX XXXX telling me that he needed XXXX documents and and he would get it escalated into underwriting. He did this after 20 phone calls to find out status, the foreclosure sale date was XX/XX/XXXX. I sent multiple e mails as well. I submitted at least XXXX of the same documents multiple time. On XX/XX/XXXX I continued to call until I could speak to someone about the status, I wanted to make sure it was submitted. When I finally got in touch with someone it was XXXX again and he informed me about XXXX pm he did n't have enough time to get it submitted. I rushed to an attorney and filed BK. I recently found out that Nationstar MTG filed a NOD XX/XX/XXXX. And then a Notice of Trustee Sale was filed XX/XX/XXXX. All of this time I thought they were trying to help me when they were n't. XX/XX/XXXX I filed CH XXXX. I started making my house payment again XXXX XXXX XXXX and continued until XXXX XXXX. Every payment I made they told me it was going towards the payment that I first missed in XX/XX/XXXX. I argued with them about this and got no where. The BK XXXX I was making payments on as well and to my understanding I thought the arrears were in the plan. They offered through my attorney to help with a load mod and I tried it again and they did the same thing to me. I converted to a CH XXXX XX/XX/XXXX and they went back to court to have the automatic stay lifted. I really did n't understand what happened at the time as I have learned harshly over the past few years. Nationstars Attorney went to court and told them that I did n't make a payment for 15 months and that was a lie. I tried to get a payment history report from them and I finally got it after that court date. I could n't prove at the time all of the payments I did make. I was under duress and just could n't understand what was really happening. I now learn about dual tracking..At the time I really thought they were trying to help. The last document that XXXX XXXX sent to me and he said he needed it filled out and sent back that day to get it escalated, was in XXXX. But because I had already filled XXXX out XXXX different times I had a copy still in my email. I have black and white documentation emails and such to prove my complaint. They fraudulently foreclosed on my home. There was not one person that I dealt with that had any thought on helping. I trusted everyone of them the first 7 months, Thats along time to be tricked to find out they were trying to foreclose the whole time. I had XXXX in equity at the time. I did n't want to sell my home, I was going to divorce my husband so he would have no rights to it since he was n't helping me anymore, But I was forced to sale my home because all the time i believed I was being helped was only time that the needed to pass to let me get so far behind that I could n't pull myself out. My home sold in one week because I did n't want them to take it from me. I was made to get a power of attorney from my husband because they decided that it was illegal for them to talk to me about the loan mod. This was after I had him fill out the 3rd party authorization that was requested from them as well. The told me it was expired when there was no expiration date on it.

Company response to consumer: Closed with explanation