Consumer complaint received 2015-10-13
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (TX)

I currently am living in my home and that I have had for 18 years. I got sick and requested a loan modification I am a XXXX person.On or about XXXX. I kept sending and re-sending loan modification pkg to Nationstar and they stating they did not receive it. After sending on numerous occasions approximately XXXX times.I kept calling to follow up on receipt. Finally they received the pkg on XXXX Rec 'd letter stating foreclose on my was put on hold due to the mod in U/W. I kept calling Nationstar weekly for an update and they kept requesting docs/ I received a letter from Nationstar dated XX/XX/XXXX stating they had received all documentation for the Govt Trial. Itsa 20-60 days for the pkg review,. The letter also provided that during the evaluation period, my house would not be referred to foreclosure. On XX/XX/XXXX, I called Nationstar to confirm if the mod was in review and it was. On XX/XX/XXXX I received a letter from Nationstar date XX/XX/XXXX stating addl docs were needed to evaluate the trial pkg. The requested documentation had already been submitted on XX/XX/XXXX to XXXX XXXX and he stated I had until XX/XX/XXXX to return the documents. On XX/XX/XXXX I contacted Nationstar for an update and spoke with XXXX XXXX. She stated she was newly assigned to my file and told I needed more documents, the same that had been sent on XX/XX/XXXX.I asked her to thoroughly check her system and she denied the documents were no there in the system. I insisted that she look again and she finally found the documents in the system, but still demanded I resumbit the documents. I faxed it to her on the same day at approx XXXX. I called on XX/XX/XXXX and spoke with XXXX XXXX to get a status update on the file. She stated nothing else was needed and the file was in U/W. On XX/XX/XXXX I received a call from the original representative who was handling my case and told me everything was in the U/W process and everything was going as expected. The same day I received a letter from a BK attorney stating my house was going to be sold at a foreclosure sale on XX/XX/XXXX. I called XXXX XXXX immediately to inquire about a possible sale. XXXX XXXX reviewed the system and told me there was no sale date on my house.I told XXXX XXXX that I could afford my home and just had a temporary set back due to my medical illness. I further advised her if my house was going to be sold, I would file for BK..On XX/XX/XXXX, I called XXXX XXXX again to check on the status of my modification review. She informed me that the process would take some time to complete and everything was progressing smoothly. I asked XXXX XXXX again about a possible sale date on my home and was told there was no sale date on my home. On XX/XX/XXXX, I received a certified letter dated XX/XX/XXXX stating the my property was in foreclosure and the title was expected to bee transferred to XXXX XXXX within the next 60 to 90 days. They actually foreclosed on my home and misrepresented and fraudulently handled my case. On XX/XX/XXXX, XXXX XXXX from XXXX XXXX XXXX to inform me that my house had been sold on XX/XX/XXXX and he represented the new owner, XXXX.