Consumer complaint received 2017-04-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (CA)

, I hope you read this because the details are so important to proving that nationstar intentionally delayed any mortgage assistance for over a year after we missed payments on our hamp modification. They did this we feel to allow a large ump sum to be past due that they could then add to our balance to increase amount they will gain when we desperately accepted their long awaited torture fear of losing our home, when they finally gave us what they claimed as help and they were able to change our payment that previous hamp mod gave them interest of 4 % on XXXX, with XXXX deferred till end of loan, TO A MUCH HIGHER AMOUNT, because they changed it to NOW we pay 4 % on the XXXX plus the XXXX that wasnt interest bearing with our hamp. I wish we knew better but we didnt and they do know every way to use tactics to increase their gain if they could take advantage of all hamp modified loans with lower payments to allow them to fall so far behind, so many months of late payments without foreclosing, but making the homeowners fears work to their advantage, with default notice, always telling us there is nothing else available, no other options, but add to the conversation that there isnt a foreclosure date, so we continue to hope for something to come available, since we were told there isnt, but there really was, and they didnt do their job which was to service the mortgage, not use tactics to give false information, mislead defaulted homeowners because we didnt know, but they told us lies so they could make more money, and the best way at the time now is to take advantage of our hamp default,, they must be doing this with other homeowners who fell behind because the hamp probably does n't benefit them long term since the loans are already out to 30 to 40 years after hamp modI, so they want the interest payment on the balance deferred on hamp mods and they know this is the way. And I know they can easily be undetected because courts wont look into this and wont be able to see it unless we all get together and show they did it to more of us. They are counting on the fact that they can say they helped and gave mod assistance, and we failed to pay.. so without actually being in our situation, no one who has the power to help would think this makes sense.. why would they believe the repeat default homeowner, who was given XXXX modifications? but what they dont know that its so sneaky and they know they have the upperhand, we cant prove it, and we wouldnt know this until its years later sadly after we lose our home and family,, and being able to use our negative payment history for the many months that they wouldnt allow a payment to be made, while we begged for a solution, program, they ALWAYS told us NOTHING IS AVAILABLE and one rep even said no you have a hamp mod and CAN NOT APPLY for any kind of modification because you were already modified yet they gave us the XXXX XXXX over a year later which was available and they knew it when I begged for help after only 2 months late on the hamp, so this tells me they knew what they were doing, they know and knew all about XXXX XXXX, who is the owner of the loan that they service. 
So after a year, payments built up, we had no choice but to sign a mod that changed to XXXX plus XXXX ( almost XXXX payment at same 4 % {$2900.00} which is over {$800.00} per month, mostly interest gain.They also said we need to sign it asap to avoid foreclosure and we could always work on getting it lowered later. ( not true ) because now the new Flex Mod came out and they said we do n't qualify because we had more than XXXX mods. When I send them messages on the mynationstar, they directed me assistance with program that has expired last year. So I went to the page only to feel more depressed and desperate. 
We want the benefit of the flex mod, not the XXXX that caused us to not qualify for the flex