Consumer complaint received 2015-10-12
Company: NATIONSTAR MORTGAGE LLC
State: TN
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Hello, I am trying to get a fair mortgage modification, this is the XXXX bank that has owned my mortgage. 
I was in a predatory adjustable rate mortgage XX/XX/XXXX with XXXX XXXX Bank, I fell behind after the XXXX market crash, and in XXXX my income had been drastically reduced I applied for Make Home Affordable and was finally approved after 2 years!!! 
They modified my loan and it was a satisfactory situation. I made XXXX payments and then received a letter from my lender the loan would be Sold to XXXX XXXX XXXX, I was assured they would honor the modification in place, XXXX XXXX XXXX said I had to reapply and I was denied supposedly for not returning documents of course that is not true. 
They would lose every document I sent them over and over again. after arguing with them and repeatably resending applications. They sold my Loan to Nationstar Mortgage, and again the process started all over again fill out the loan modification documents over and over again. 
after another 2 years, They finally sent a letter stating I had been approved for and in-housemodification, that included arrears of over $ XXXX and its a adjustable rate loan. 
I only owed $ XXXX in XXXX when I received the Make Home Affordable modification. 
Now its XXXX its been almost 6 years of begging, arguing, document after document being sent to them they want me to accept a Loan Modification for $ XXXX payments of {$1900.00} and after 2 years the rate will adjust. I am XXXX getting ready to file for social security how could I possibly accept a modification with these terms. My house is only worth maybe $ XXXXif that. They send these Realtor 's by with their camera sticking out the window as they drive by and they really think thats and accurate Appraisal, its a XXXX XXXX a certified market analyses XXXX. XXXX Not a Certified Appraisal Report XXXX that is the only way they would know the true value of my home. ( The system is so XXXX the government bailed the banks out and we get stuck with this inhuman treatment I mean almost 6 years of this torture of trying to get the banks to give me a fair chance, if my home goes to the courthouse steps it will be sold for less than $ XXXX, they keep saying its not worth a bank foreclosing they would rather try to keep the home owner in their home, if thats true why has it taken this long to get a fair Modification with XXXX banks, is there any justice at all I hate the system I hate what its done to me and so many other homeowners its really a true shame the system works this way ... They should pay me for all the hell they have put me through .. ... 
I am a fighter thats why I have tried for so long to be treated fairly, I think I am fighting a losing battle the Bankers have to be so greedy and just keep foreclosing and taking homeowners only security they have their home ... I have no idea what I will do if I lose my home I have no where to go. This is a brief outline of what has taken place with myself and these XXXX Large Banks, XXXX and now Nationstar Mortgage. 
I truly could write a book on the dishonest things they have done to me and many othersthe unfair tactics they use ..., I am probably XXXX the lucky ones, at least I have managed to fight them off for this long ... 
Tired and so disappointed in the system ...

Company response to consumer: Closed