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

Complaint:
To whom it may concern, I am writing this complaint in an effort to get help with an unethical foreclosure attempt. Over the past several months, I have made many attempts to contact Nationstar Mortgage Company to resolve any and all arrears and to bring my mortgage loan out of default. However, they have continually refused my payments. Each Nationstar representative that I have spoken with has stated, " The company needs to do a loan revaluation to provide me with an 'accurate ' figure for payment and reinstatement of my loan. '' I have yet to receive said figure or any contact from Nationstar Mortgage. Other than, my normal monthly statement. 
Which raises another point, I have brought it to the attention of Nationstar Mortgage that there is an $ XXXX+ discrepancy in the amount of money that is stated on my monthly statement and what the Nationstar representative told me was an 'estimated ' figure of arrears. To date, I still have not received any accurate data on what is owed nor has Nationstar contacted me with reinstatement information. I would like to add, it is common knowledge that the longer the mortgage company takes to give me reinstatement information and figures, the amount of money owed and the accruing interest grows astronomically. 
Another troubling issue, for the past few months, I have been receiving 'Notice of Default ' letters from a company called, " XXXX . '' To which, Nationstar Mortgage has denied any knowledge of or involvement with. When I called the Nationstar Mortgage to address the Default letters, I was told, " The letters must have come from a third party. '' Though, the Nationstar representative did inform me that I was definitely in default. However, I have never received any 'Notice of Default ' or 'Foreclosure ' correspondence from Nationstar Mortgage. 
Additionally, It has come to my attention that Nationstar has secretly raised the interest rate on my 'FIXED ' mortgage loan from 2 % to approximately 8 %. This was also done, without my knowledge or ANY prior written notification. 
I am formerly requesting that Nationstar Mortgage Company use ethical business practices, respond to the above complaints and the following requests : 1 ) Contact me promptly with an accurate payment figure ( minus any overages ) for reinstatement of my loan, bringing my loan current and out of default. 
2 ) Provide me with all letters of Foreclosure and/or Notices of Default. 
3 ) Provide a copy of the original Promissory Note that acknowledges Nationstar Mortgage as the legal lender. 
4 ) Give good cause as to why the company has raised the interest rate on a 'Fixed ' rate mortgage loan and show a detailed account of any corrections from the date of change. 
I have repeatedly tried, in good faith, to resolve my loan arrears. I would like to add that I have several people who are dependent upon the shelter my home provides -- my son, his fianc, my grand-daughter, grandson and his fianc, as well as my great grandson. XXXX. I am not looking for sympathy, only fairness and the chance to save my home that my family has lived in for over 50 years. Additionally, It would put my family in a grave hardship, if we were to lose our home to unethical business practices. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation