Consumer complaint received 2017-12-13
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (ID)

I have been trying to resolve a foreclosure that was unlawful based on information the lender told me that I had to do as I filled out Deed in Lieu paperwork on XX/XX/XXXX and faxed it back to Nationstar ( Mr. Cooper ) that same day. The acknowledged receiving it on XX/XX/XXXX on XX/XX/XXXX when I called to verify but because I was in a chapter XXXX bankruptcy was told they could not discuss with me. I was told that day that there would not be a foreclosure while the deed in lieu was being processed but to discuss any other items I had to get permission to them from my bankruptcy attorney ( XXXX XXXX. ) I contacted my attorney that day and told him to have the chapter XXXX dismissed and send Mr. Cooper a letter letting them talk to me, which he did. On XX/XX/XXXX I moved out of my home to Idaho. 

I spoke to my bankruptcy attorney on XX/XX/XXXX and said to file the paperwork to dismiss my bankruptcy and was told that there was no need to go through extra expenses of a letter that it would be dismissed on the XX/XX/XXXX for non-payment of my monthly amounts. 

On XX/XX/XXXX I spoke to Mr. Cooper again and they received the letter from my attorney and told me the file was being assigned to a representative and I would be contacted shortly. 

On XX/XX/XXXX I spoke to a representative by the name of XXXX XXXX and was told that because my loan was an FHA loan that a short sale had to be tried on the property for no less than 90 days before a deed in lieu of so I contact my realtor ( XXXX and XXXX XXXX from XXXX XXXX XXXX in XXXX, Colorado and gave them the instructions to relist my property through the FHA site XXXX which started that evening. 

XX/XX/XXXX my realtor notified me that it was entered in and accepted. During the next week and a half my realtor communicated with me on questions the XXXX  site requested and we filled them out and the house was starting to be shown on XX/XX/XXXX. MY Chapter XXXX bankruptcy was officially dismiss on this day. 

XX/XX/XXXX my realtor got a message through the XXXX system from the Mr. Cooper representative saying that there might not be enough time to do a short sale but they ordered a rush on the appraisal on XX/XX/XXXX.

XX/XX/XXXX the appraisal company went to the home and did the appraisal ( Mr. Cooper shows it happening on XX/XX/XXXX as XX/XX/XXXX was a Saturday. 

Monday XX/XX/XXXX the XXXX XXXX XXXX who is the attorneys for Mr. Cooper filed a foreclosure bid with XXXX county court house. 

Wednesday XX/XX/XXXX, Mr. Cooper received the appraisal back from the appraisers. 

Friday XX/XX/XXXX I was notified my XXXX XXXX that a message was placed in XXXX on XX/XX/XXXX saying " sorry but there was not enough time to do a short sale and Nationstar took back the property on  XX/XX/XXXX. My Realtor contacted me that day and I contacted Mr. Cooper and conferenced in XXXX XXXX XXXX ( XXXX ) and XXXX told the Mr. Cooper rep that  there is an 8 business day recinding period but it would have to be requested by Mr. Cooper. I also wrote a letter explain all of this and send to their customer relations department as told to investigate.

Sunday XX/XX/XXXX I got an offer on my home for {$410000.00} and the principal owed was only {$330.00} meaning there was over {$80000.00} of equity in my property. My relators and I signed the offer contract and sent to the buyers agent. There was no notice of the foreclosure posted on my residence, provided to my attorney or sent to me ( Mr. Cooper had my Idaho address. ) Monday XX/XX/XXXX I was told that the contract was null and void as the property was not mine to sell. I contacted an Attorney in Colorado ( XXXX XXXX ) and set up a meeting with him for Wednesday XX/XX/XXXX. 

I flew back to Colorado on XX/XX/XXXX and provided all of the information to my attorney and he contacted XXXX to get resolved. I also verified with Mr. Cooper on that day that my email complaint was received on XX/XX/XXXX as I was told by the short sale manager on Friday XX/XX/XXXX it would take a day to process the request but on Tuesday XX/XX/XXXX was told it can take up to 15 days ( which is 9 days past the rescinding period for the deed. ) XX/XX/XXXX I met with my attorney and he read through all of my documentation and contacted XXXX. 

XX/XX/XXXX I returned to Idaho thinking that everything was fixed. I contacted my realtors and let them know as soon as I get the official word I will let them know and we can proceed with selling my property. 

XX/XX/XXXX I finally received the response letter from Mr. Cooper and it stated that they are sorry for any miscommunication but their decision was not going to change and they were not going to rescind the foreclosure. At that point I turned into a XXXX XXXX XXXX and my XXXX felt like an Elephant sat on it. My wife took me to the ER at XXXX XXXX and I was checked out. I was kept overnight for observation and to have a XXXX XXXX done on Saturday. 

Saturday XX/XX/XXXX I had the XXXX XXXX done and they said the bottom part of my XXXX looked a little week and scheduled me for an XXXX the following day. 

Sunday, XX/XX/XXXX I had the XXXX done and they found one of my XXXX needed to have XXXX XXXX  placed in it ( XXXX related, imagine. ) I returned home on Monday XX/XX/XXXX from the hospital defeated and thought I was out of options. 

I contacted HUD that week via phone and send a complaint in by the end of the week. On Monday XX/XX/XXXX I got a response from a XXXX XXXX and it said HUD can not do anything after a foreclosure sale and ask Mr. Cooper about the cash for keys program. I responded to her and 2 days later got a call from a XXXX who works with the HUD department manager handling the case and was told nothing could be done. 

On XX/XX/XXXX a notice was placed on my residence door ( in Colorado ) requesting a court date on XX/XX/XXXX to evict me and any inhabitants. I do not have the monies to retain an attorney again to make an appurtenance or fly back to the hearing and contest. Now that Mr. Cooper and XXXX know I have been trying to correct their misdoings and was in contact with HUD they are now following the laws from HUD I am writing to you as my last resort to try and help me get this straightened out and have Mr. Cooper only do what they told me they were going to back in XX/XX/XXXX. I have spent over {$1000.00} having my home professionally cleaned and items I could not bring to Idaho with me removed so my house was able to be shown and sold. I had my bankruptcy dismissed because I was told by Mr. Cooper I had to. I have expenses for attorneys and travelling back to Colorado to try and resolve and a {$10000.00} deductible for my XXXX XXXX due to the XXXX they have caused. 

Please help me as I have no other options. People tell me to let it go and move on but this is not right. I have been dealing with my wife having XXXX XXXX XXXX XXXX since XX/XX/XXXX ( one of the reasons for me filing a chapter XXXX in the first place was her medical cost and condition ) If they did it to me they can do it to others that maybe not as fortunate enough to be able to recoup from such devastation or lose. A lot of money is at stake and initially I was okay with accepting the cash for keys program ( that is the reason I filled out the deed in lieu paperwork and moved. ) I even kept the electric and gas on in the home until close to the end of XX/XX/XXXX in order to make sure my house did not look vacant and get vandalized.