Consumer complaint received 2016-06-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CA)

Nationstar Mortgage has returned the last payment made to them on XXXX XXXX, 2016 in the amount of {$630.00} - indicated as 'unapplied funds in suspense account for an extended period of time '. Yesterday, XXXX XXXX, 2016, I was in receipt of XXXX mailings delivered via XXXX mail to my residence from Nationstar Mortgage which included correspondence and checks. The checks ( dated XXXX XXXX, 2016 ), according to Nationstar are " Returning Funds - Aged Suspense '' and are listed as follows : 1 ) {$180.00} ( Check # XXXX ) ; 2 ) {$180.00} ( Check # XXXX ) ; 3 ) {$180.00} ( Check # XXXX ) ; 4 ) {$85.00} ( Check # XXXX ). Two days prior XXXX XXXX XXXX, 2016 ), an unnamed representative from Nationstar called twice via telephone at XXXX XXXX and XXXX XXXX respectively from XXXX to indicate Nationstar would be sending back all payments submitted and mailed in to them because it was a requirement to pay the entire balance. The XXXX checks that add up to the sum of {$630.00} do not constitute all payments that have been made to Nationstar. This is apparently a return of the {$630.00} ( Ref # XXXX ) delivered to Nationstar via my online Bill Pay on XXXX XXXX, 2016. The sum of the payments that Nationstar did not send monthly statements, return nor decrement from my account which were also paid via Bill Pay is {$5300.00}. As of my XXXX 2016 statement, there was a principal balance of {$280.00} and a Property inspection fee of {$7900.00} which was scheduled to be paid at maturity in XXXX 2016. When the {$280.00} was sent via Bill Pay in XXXX 2016, Nationstar Mortgage applied it toward the Property Inspection fee, leaving a balance of Principal Balance - {$280.00} and Property Inspection fee - {$7600.00} ( last statement reflected a different and erroneous Property inspection fee of {$7700.00} ). The last statement ( dated XXXX XXXX, 2016 ) also reflected an amount due ( - {$3100.00} ). The mathematics applied at Nationstar appears to be from a different planet and the aforementioned correspondence XXXX XXXX XXXX, 2016 ) has a 'total required to bring this account current is {$9200.00} ' ( Nationstar is constantly changing the value owed - the amount is constant ( {$7900.00} - {$280.00} + {$280.00} ) and their records from the previous servicer reflects/verifies what I am stating ). Nationstar is in violation of the following mortgage servicing rules as established by the Consumer Financial Protection Bureau ( CFPB ) : 1 ) mortgagor did not receive Periodic Billing Statements ; 2 ) Servicer did not promptly credit periodic payments from borrower as of the day of receipt ; 3 ) Servicer erroneously attempted " bullying '' borrower into modifying a loan that was not delinquent nor was there trouble paying ( Principal Balance {$280.00} ) ; 4 ) Payments were held unjustifiably in a Suspense Account ; 5 ) Servicer did not pay property taxes due XXXX XXXX, 2016 - borrower paid on XXXX XXXX, 2016 after speaking with representative at Tax Collector 's office who indicated the {$660.00} had not been paid ; 6 ) Servicer is applying late fees when payments are not late ; 7 ) Servicer is dual tracking unjustifiably - attempting to force borrower into modification by not accepting payments. Nationstar Mortgage is trying to foreclose on my home when I have consistently paid what is owed - full payment is not due until maturity XXXX 2016. My money should never have been returned to me! This is not a situation that requires an attorney when it is quite clear that Nationstar is in violation of CFPB rules and regulations and other state/federal laws. Please help to SAVE MY HOME that I have owned for nearly thirty years. Will all American homeowners be in jeopardy of not getting their 'RECONVEYANCE ' once the loan has been paid in full?