Consumer complaint received 2015-05-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (NY)

Between XXXX and XXXX, I suffered a series of hardships. I was laid off XXXX times due to downsizing, then in XXXX, I was diagnosed with a XXXX XXXX. I had surgery and it took over a year to recover and be able to go back into the workforce. 
Commencing in XXXX, I entered into the process of loan modification negotiations with XXXX XXXX XXXX. Shortly after the process began, XXXX XXXX XXXX informed me that they had switched to Nationstar as their servicer and I was forced to submit all the paperwork over again. I then went for monthly modification negotiation meetings at Court and made the timely payments required. This process continued up until XXXX XXXX, when XXXX XXXX XXXX withdrew their foreclosure action. 
The next day, I received XXXX Certified letters from Nationstar saying that I was delinquent in my payments and that Nationstar was starting foreclosure actions against me. Impossible! 
My nightmare had only just begun. 
I noticed that I was not getting any other physical mail from Nationstar. Nationstar never sent me or my attorney any statements or other documentation confirming the payments I had been making. Also, my attorney was and is supposed to be copied on all correspondence from Nationstar and Nationstar has not done so. I had to go on-line to their website to get my statements and information. 
Upon viewing my account information on line, I found XXXX more letters ( which neither I nor my attorney ever received in the mail ) saying that my payments were only partial andNationstar was keeping my account in " suspense '' pending full payment. What does this mean? Now, Nationstar claims that I owe them about {$8000.00} more due to fees and interest. 
Nationstar escrowed my taxes AFTER we agreed on a loan modification, making my monthly payment {$500.00} more per month! This was not a part of the terms of my loan modification! 
I am a homeowner who wants to pay my mortgage, but even as an honest hard working individual, it is impossible to keep up with the alleged " fees '' that Nationstar keeps adding on without cause. None of these " fees '' were reflected in my loan modification, nor was any of this discussed in the loan modification negotiations with the representative from XXXX XXXX XXXX at the pre-foreclosure meetings in Court. 
I can not refinance because Nationstar consistently keeps reporting me late even though my mortgage loan has been modified and I have been making timely payments. Nationstar has also threatened to put this on my credit report, thereby making it impossible for me to ever get out of this twisted situation and ensuring that I have no future. 
It took me 10 years to save up enough money to put a down payment on my home. For the past twelve ( 12 ) years, I have been paying for my home and maintaining my home and Nationstar wants to take my home away from me even though I have complied and cooperated completely! 
I am a hard working professional and I will not walk away from my home! I have done NOTHING to deserve this and I intend to bring these unlawful practices by Nationstar to an end!