Consumer complaint received 2017-03-09
Company: NATIONSTAR MORTGAGE LLC
State: MA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I 'm currently working with Naca, in which they told me to contact you about my mortgage. I 'm trying to get a mortgage modification with nationstar mortgage, working with them alone they had me last Saturday XX/XX/XXXX in tears, basically left without any hope of saving my home, the main complaint I have is they asked for a quick claim for the co borrower, I have explained to he company that the co borrower is not on my deed he is only on the mortgage, I have explained this several several times to the bank, regardless I dug deep and finally got the co borrower located in which he signed them I submitted it to the bank, the banks response, you have to file them with the registry of deeds, I went to the registry of deeds on XX/XX/XXXX, to file the quick claim, the registry tells me that there is no mortgage ever filed with the coborrower at all, they even ran his name, they responded he has only been filed on the second mortgage which has been dismissed threw a bankruptcy, in doing all of this I have found several things in question to this mortgage, paperwork that does n't and has n't been filed, paperwork that has been submitted to the registry of deeds and signed but than not recorded to the registry of deeds for several months later, like almost 6 months later, paperwork that was signed on Colorado, also by my mother, and myself, the dates for these paperwork are impossible for my mother to sign anything with the dates, my mother was dead during these dates ... another thing that brings a big question in mind is the amount of money that is owed to the mortgage company, which has n't gone down and yet I continue to pay, the second mortgage that has been filed with mortgage he registry of deeds with the coborrower, assumption of mortgage, reading the paperwork it says this loan had a balloon balance, I honestly believe that my mortgage which was done in XXXX by XXXX is fraudulent. I think when they sold my mortgage there could be that the combined the balloon balance with the first when they sold it. At that current time I was in a chapter XXXX bankruptcy, I was never notified about the sale of my loan to another company, nor was I ever giving any mortgage statements, I even asked for all of the payments to be produced of what I had made, so here I am doing anything nationstar tells me to do, now there saying if I ca n't file a quick claim they wo n't help me, I explained everything the register told me, there response well mamm I did n't not know what to tell you we bought this loan. That I need to go back to he registry and contact who owns the loan with he registry if there still in business,,,, Without the coborrower we ca n't help me, to get a loan modification, but if I 'm being told go back to the original owners who filed with the registry,, how do they even own this loan?. I 'm going around in circles,, and who dos own this loan, nationstar also told me that I need to put the coborrower on the deed and than take him off,, why would I even do that it 's {$120.00} dollars to find le each time, and I 'm currently a XXXX that XXXX XXXX unemployment is paying for me to go back to school,, so please help, I know in my knowledge and gut that this loan somewhere someway was defaulting when it was sold, and not once but twice, and I 'm in one mess because of it, so please could you help me look into this matter, nothing makes any sense to the registry, the amount of money owed, papers fled months after they were signed in a state I never even lived in ... thank you very muvh

Company response to consumer: Closed with explanation