Consumer complaint received 2016-03-12
Company: NATIONSTAR MORTGAGE LLC
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I found out that on XXXX XXXX XXXX that my home was going up for auction on XXXX XXXX, XXXX. I had tried working with nationstar ( the company holding the note ) to work on a modification. My ex-husband XXXX XXXX XXXX XXXX put XXXX in place in XXXX and I paid on it through XXXX and XXXX until XXXX/XXXX/XXXX. I had made a verbal agreement that he would pay the XXXX payment of which he did not. By the time the bank informed me about no payments on the house I was XXXX payments late. I did not have almost XXXX to give them so I asked if I could do a modification since I was the XXXX that had been paying for the house for the last two years. I was told no XXXX XXXX would have to do a modification because my name was not on the Note of Mortgage. But I found out on XXXX/XXXX/XXXX that my name was put on the mortgage note in XXXX in book XXXX page XXXX. My ex-husband did the modification by himself in XXXX of XXXX recorded in book XXXX page XXXX. I asked Nationstar at the time because we were seperated and I intended to purchase the house from my exhusband if I needed to fill out a modification myself. I was told no the house note was only in my exhusbands name. Upon being served by the lawyer holding the auction on my home I found out that in XXXX when we remodified my loan with XXXX my name was put on the note without my signature or consent, and also on the note with my consent. I did sign a note in XXXX due to the lawyer stating I was signing my name just to the title not knowing it was the note, but we refinanced in XXXX and NEVER signed the note, but the lawyer rolled the mortgage over with my name on it without having me sign the note. I removed my name from the deed on XXXX because the bank I was working with to purchase the home said I could not purchase something I technically already owned so I removed my name from the title for purchase. This is when I found out that there was over another XXXX dollars worth of liens on my home and the bank backed out and found out that my name was on the note for a second mortgage of which I had no clue exsisted. Both my exhusband and myself had put a second mortgage on the house in XXXX through XXXX credit, but that was paid off by myself in XXXX in full. I just want to purchase my house, cut through all the wrongs that have been committed to me and keep my house. I have every piece of paperwork, but cant not attach over XXXX pages to this. If you want every piece of my mortgage from the original purchase date of XXXX I can and am more than willing to do this. I currently have no clue who owns my home other than XXXX that purchased it back at auction for XXXX. I know that by putting my name on a document I did not sign is not legal, so I would like to know were I am to go and what I am to do to keep my home. I have now been given a bill saying that XXXX XXXX XXXX XXXX ( XXXX ) owns my home and that the breakdown of money goes at they purchased the house for {$150000.00} but principal, interest and XXXX charges and escrow was {$240000.00} and foreclosure fees and costs is {$7300.00}. I do not feel I should be responsible for this.

Company response to consumer: Closed with explanation