Consumer complaint received 2015-07-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CO)

This is not true, no payments were missed and in fact payments were made early. 

This comes XXXX XXXX from Nationstar Mortgage dated XXXX XXXX XXXX XXXX, CO XXXX XXXX '' Nationstar has reviewed the above referenced account and found the account was correctly denied for the Home Affordable Modification. The borrower missed a payment during the trial period. Nationstar contacted the borrower several times, and management spoke to the borrower explaining why it had been denied. Unfortunately, the account is ineligible for the Home Affordable Modification, per the guidelines set for by the US Treasury. " 44. After XXXX learned of the Foreclosure sale, he again called Nationstar. On XX/XX/XXXX, XXXX spoke with XXXX Nationstar. XXXX asked XXXX XXXX to have Nationstar rescind the Foreclosure Sale because Nationstar had ( a ) failed to XXXX any notice that it was proceeding with the Foreclosure Sale and ( b ) had made multiple misrepresentations XXXX regarding the status of his HAMP modification and of his Note to Nationstar. 

XXXX. XXXX and XXXX went through Nationstar 's records of the communications between XXXX and Nationstar. 

XXXX. XXXX stated that Nationstar 's records of its communications with XXXX comported with XXXX ' own records of these communications, which are reflected in the preceding paragraphs of this Complaint. XXXX also confirmed that Nationstar had not notified XXXX of the Foreclosure Sale or of that XXXX ' HAMP application had been denied. 

XXXX. Despite his concurrence with the facts as XXXX presented them, XXXX and Nationstar refused to rescind the Foreclosure Sale. More specifically : a. XXXX asked XXXX, " What Happened? " b. XXXX responded, " Something transpired. " c. In response to further questions from XXXX, XXXX would not reveal what transpired, refused to rescind the Foreclosure Sale, stated that he was going to terminate the telephone call, and then hung up. 

XXXX. XXXX XXXX XXXX, XXXX held a conference call with XXXX XXXX XXXX Nationstar and XXXX XXXX XXXX XXXX XXXX XXXX a HUD-certified loan counselor ). 

XXXX. During this XXXX XXXX conference call, XXXX again affirmed that : a. Nationstar 's records of its communications comported with XXXX own records of these communications, which are reflected in the preceding paragraphs of this Complaint ; b. Nationstar did not notify XXXX that his HAMP loan-modification application had been denied. 

XXXX Nationstar did not notify XXXX of the Foreclosure Sale date or that Nationstar was proceeding with the Foreclosure Sale. 

XXXX. XX/XX/XXXX XXXX spoke via telephone with XXXX XXXX XXXX Nationstar Mortgage 's legal compliance department in XXXX, TX. He asked why Nationstar proceeded with the Foreclosure Sale despite having informed XXXX that " everything is OK. '' a. XXXX XXXX responded that there had been a " miscommunication between [ Nationstar 's ] Loss Mitigation and HAMP department XXXX s XXXX. " b. Thereafter, XXXX asked XXXX " Why am I being held accountable for miscommunication within Nationstar? " c. XXXX XXXX responded, " There is no explanation. ''