Consumer complaint received 2017-07-09
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (MI)

My wife and I have just had to file for bankruptcy protection in XX/XX/XXXX because Nationstar Mortgage, Mortgage, LLC. started the foreclosure process twice in XX/XX/XXXX. <P/>The first time while Nationstar Mortgage, LLC. helped us secure a loan for the missed 2 payments, late fees and miscellaneous charges up to date and a second time when we were two months behind on our mortgage and sent in the next months payment Nationstar Mortgage, LLC. said it was applied the payment incorrectly and quickly reversed the 2nd foreclosure although we were still forced to pay for both of the foreclosure fees and Nationstar Mortgage, LLC. told us there was n't any way to remove those two foreclosure charges although no actual foreclosure was completed. We spoke with an attorney in XX/XX/XXXX and we decided to file for Chapter XXXX bankruptcy to get our finances in order and stop any possible future foreclosures. <P/>Our Charter XXXX bankruptcy was recently XXXX in XXXX. Nationstar Mortgage, LLC. attorney, XXXX XXXX XXXX of XXXX XXXX XXXX, XXXX completed the Form XXXX Final Cure letter stating all of the debtor 's prepetition and postpetition payments consistent with 1322 ( b ) ( 5 ) of the Bankruptcy Code were up to date including escrow and any other fees or charges and the debtors were also up to date all payments. The debtor 's first payment must be paid on XX/XX/XXXX. The Nationstar Mortgage, LLC. attorney mailed a copy of the Form XXXX to the Chapter XXXX to the bankruptcy trustee XXXX XXXX XXXX, our attorney XXXX XXXX XXXX and to us. <P/>I called Nationstar Mortgage, LLC. on XX/XX/XXXX after receiving the discharge and Nationstar Mortgage, LLC. stated that they were unaware that the Chapter XXXX bankruptcy was discharged. I also inquired if Nationstar Mortgage, LLC. had received our XX/XX/XXXX payment and our XX/XX/XXXX payments and they said they did but, my XX/XX/XXXX payment was used to pay the overdue payment for XX/XX/XXXX & the last bankruptcy trustee 's payment also paid on XX/XX/XXXX was used to pay the XX/XX/XXXX. Acording to Nationstar Mortgage, LLC. as of XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX payments had n't been paid by the Chapter XXXX Bankruptcy Trustee XXXX XXXX XXXX. The Form XXXX Response to Notice of Final Cure Payment states all payments were up to date. I asked how could all of those payments not have been paid if the attorney Nationstar Mortgage, LLC. hired to complete the Form XXXX told the court that they all are paid? Did the attorney lie to the court? No response from Nationstar Mortgage, LLC. <P/>I called Nationstar Mortgage, LLC. numerous times in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to have Nationstar Mortgage, LLC. to explain why the attorney that they had hired XXXX XXXX XXXX, XXXX. stated all of the prepetition and post petition payments were paid up to date until my XXXX payment that is due on XXXX XXXX, XXXX but, Nationstar Mortgage, LLC stated that on XX/XX/XXXX I still owed for XX/XX/XXXX and XX/XX/XXXX. Nationstar Mortgage, LLC. stated that there are times in a bankruptcy that it takes a while for the payments to be posted properly and advised me to wait until XX/XX/XXXX and call back to see if everything is posted properly. When I called back on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Nationstar Mortgage, LLC. sill told me the same thing. <P/>On XX/XX/XXXX Nationstar Mortgage, LLC. wrote a letter and mailed it to us on XX/XX/XXXX stating that we were at least 30 days past due on our mortgage payments to them. <P/>I called Nationstar Mortgage, LLC. again on XX/XX/XXXX and I was advised again that we still owe for XX/XX/XXXX. I was also told by Nationstar again that my extra XX/XX/XXXX payment was for XX/XX/XXXX, The court paid Nationstar on XX/XX/XXXX and that XX/XX/XXXX payment from the court was posted for XX/XX/XXXX. My 2nd payment in XX/XX/XXXX on XX/XX/XXXX was posted for XX/XX/XXXX and my XX/XX/XXXX payment was posted for XX/XX/XXXX. My 3rd payment for XX/XX/XXXX sent on XX/XX/XXXX was posted on XX/XX/XXXX. Nationstar Mortgage, LLC. told meal I owe right now is for XX/XX/XXXX and XX/XX/XXXX payment is just late. I was informed by Nationstar Mortgage, LLC. there was approx. {$1300.00} in a " suspense '' account and all I needed to send is less than {$700.00} to pay for my XX/XX/XXXX payment to be paid. <P/>I advised Nationstar Mortgage that I just got out of Chapter XXXX bankruptcy in XX/XX/XXXX and already made an extra payment on XX/XX/XXXX that the Trustee also paid on XX/XX/XXXX and I made 3 additional payments myself for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX so I actually wo n't have a payment due until XX/XX/XXXX and I do n't have the extra funds to even make a {$700.00} payment. I was told that I was wrong and that my last payment I paid on XX/XX/XXXX was posted for XX/XX/XXXX and my XX/XX/XXXX payment would be late after XX/XX/XXXX and I would be 2 months overdue on my payments. <P/>I have contacted my bankruptcy attorney at XXXX XXXX XXXX on XX/XX/XXXX to try to get her help in resolving this poor record keeping by Nationstar Mortgage, LLC. <P/>I received my 1st payment statement from Nationstar Mortgage on XX/XX/XXXX for the XX/XX/XXXX, XX/XX/XXXXand the XX/XX/XXXX payments for over {$4000.00}. There were several additional charges listed that I did n't understand but, one of the charges was a property inspection that appears is planning another foreclosure soon and are checking if I still live at the home. <P/>Thanks in Advance, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Home Phone : ( XXXX ) XXXX Cellular Phone : ( XXXX ) XXXX