Consumer complaint received 2015-04-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (NC)

I am having great difficulty with my current mortgage company Nationstar Mortgage. For the last 3 years, I have been trying to get a loan modification without success. It started in late XX/XX/XXXX I started having difficulty paying my mortgage on time, and by XXXX XXXX, I was 3 months behind. I contacted XXXX XXXX XXXX and explained my situation and they started the loan modification process. After several months of sending documents, hardship letters, pay stubs, etc, on XXXX/XXXX/XXXX we had a loan modification Trial Period Plan. I was to make my XXXX payment by XXXX/XXXX/XXXX. However, XXXX XXXX XXXX sold my loan to Nationstar Mortgage and they became my service provider on XXXX/XXXX/XXXX, 15 days before my XXXX trial payment was to be made. Once I found out this information, I instantly contacted Nationstar about my loan and the modification I have with XXXX XXXX XXXX, and they said they knew nothing about it. I faxed over the paperwork I had from XXXX XXXX XXXX, including the XXXX payment stubs and they said they will have to investigate it. Nationstar then told me after several weeks that my paperwork is too old, and they do not have to accept the terms of my current modification and want to start their own modification. On XXXX/XXXX/XXXX Nationstar sent me a letter that they were doing a XXXX XXXX modification because I was not eligible for a HAMP modification. I made my XXXX XXXX payments before their due dates and when I went to make my XXXX payment, I was told I did n't qualify for a loan modification because I already had XXXX modifications, and refused to take my XXXX payment. ( I did have a loan mod in XXXX w/XXXX ). I had then called the NC foreclosure prevention fund program, and they put me in contact with XXXX XXXX Council of Government which is a HUD-certified housing counseling agency. After many months of paperwork, faxes, documentation, XXXX XXXX Council of Government was able to get Nationstar to do another loan modification, and on XXXX/XXXX/XXXX I was to make my first trial payment. I paid the first XXXX payment a month early both times to ensure Nationstar I can Pay my payments in a timely manner, and again they refused to accept my XXXX payment and stating since I already had XXXX modifications and that the law does n't require them to make a XXXX modification. On XXXX/XXXX/XXXX I went to see XXXX XXXX XXXX, a bankruptcy attorney about filing for chapter XXXX bankruptcy. After telling Nationstar of my intentions, they offered me another chance for a loan modification, and I postponed the bankruptcy. Again, after several months of Nationstar dragging their feet, the acceptance letter and documentation was faxed over and I heard nothing from Nationstar in two months. I called to see what was going on and Nationstar told me they never received my fax and to send it in again. I did and now they said I waited to long and the request is incomplete. We had a court hearing on XXXX/XXXX/XXXX and the attorney for Nationstar was not prepared and the case was dismissed. I am sure Nationstar will be filing for foreclosure soon. I have been to many HUD approved credit counseling agencies including XXXX XXXX XXXX XXXX XXXX NC, and XXXX XXXX XXXX XXXX of XXXX XXXX, and no one has been able to help. I had called Nationstar and asked them to send me proof of both modifications and they are only able to locate XXXX. I asked them to send it to me, and two weeks later, still have n't received it. I was told to contact your agency and file a complaint. I am at the end of my rope hanging on for dear life. I want to keep my home and finish raising my family in our home. Please help me, and thank you from the bottom of my heart.