Consumer complaint received 2016-08-11
Company: NATIONSTAR MORTGAGE LLC
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Your submission, [ Case number : XXXX XXXX Hello I 'm doing a follow up complaint against Nation star mortgage : Regarding the shortage spread that 's included in my mortgage payment $ XXXX {$3800.00} for a 27 month period.. I will state again, my mortgage was current as well as my taxes have been current since XXXX. So there would be no need to have an overage shortage, ( not only are you taken additional funds out of my pocket but your taken food off the table as the additional alleged had places a hardship on my family ) I have been trying to get a clear answer regarding the alleged shortage since XXXX XXXX when the updated escrow analysis came out.. Not on person in your escrow not cs department know 's what 's going on. When i ask 2 months ago to have the shortage put on hold until the loan was investigate they C/R said it would take 48 hours.. When i called back to follow up the shortage was still on my loan and not phone log of the conversation was documented, when i ask for print out of all of the recording since XXXX XXXX i was places on hold for over an 1 hour then the call was disconnected.. Frustrated and stress over mortgage lender bullies i 'm just at a lost. when i called in to see if I could do a forbearance until this could get resolved i was transfer to the lost mitigation department and the guy said not Forbearance was not an options, but this is what 's on Nation star web site : Partial Payment or Forbearance : this is on the payment assistance site : https : //www.nationstarmtg.comXXXX If you 're experiencing or have experienced a temporary hardship, Nationstar may be able to offer you a forbearance agreement, which could possibly delay or reduce your payments until you can bring your mortgage current. This option could help you get your finances back on track without the worry of losing your home. There are also options specifically for borrowers who are currently unemployed. Click on the Getting Started tab to learn how to begin the process. 
I received the statement as to why my payment increased and it 's False and not true which is why i 'm contacting you guys again.. I 'm in the process of completed a loan modification with XXXX as i did not sign up to have Nationstar Fraudulent add fees to my loan, if I dont make my payment because someone at Nationstar did not do there due diligence when they purchased my current loan from XXXX Then XXXX needs to go back to XXXX and do a bit more Due Diligence before you start added fees on to consumers mortgage loans causing them hardship.. Shortage Explanation for XXXX : XXXX. stated that when they purchased my loan for XXXX that the escrow balance was XXXX as XXXX had not completed the Escrow analysis.. " WHICH IS A FALSE STATEMENT '' Not only was the Analysis completed ( twice ) the first time Bof A rolled over XXXX in taxes and interest into my loan, the 2nd time XXXX rolled {$12000.00} into the loan, just to get more fees. when the loan was sold to N.S all taxes were current. What needs to happen is XXXX needs to contact XXXX .My loan needs to be assigned to XXXX point of contact until this is resolved.. Attached is the dispute respond as well as my taxes from XXXX to current..

Company response to consumer: Closed with explanation