Consumer complaint received 2016-03-23
Product: Mortgage — Reverse mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (OR)

In XXXX of XXXX my husband and I obtained a Reverse Mortgage ( a lump sum distribution ) from XXXX Mortgage. Every month thereafter I have sent a check for the interest and the Mortgage Insurance Premium that accrues on our loan balance. 
In XXXX of XXXX I had to complain long and hard to get Generation Mtg to send us a " correct '' XXXX IRS form. It is too long of an explanation to include here, but the issue ( and other accounting issues ) with XXXX Mtg were finally resolved after I filed a formal complaint with the Consumer Financial Protection Bureau, XXXX, and XXXX Oregon. The XXXX for XXXX was finally issued correctly and we filed our income taxes accordingly. Our XXXX XXXX was issued by XXXX XXXX, and those issues have also been resolved. 
In XXXX, we made payments to XXXX XXXX for the months of XXXX, XXXX, XXXX, and XXXX. On XXXX XXXX, XXXX we received a " notice of assignment, sale, or transfer of servicing rights '' from XXXX XXXX introducing Champion Mortgage Company as the new servicer of our reverse mortgage. The Legal disclosure states Nationstar Mortgage LLC d/b/a Champion Mortgage Company. 
We continued to make monthly payments to Champion Mtg for the months of XXXX through XXXX of XXXX. On XXXX XXXX, XXXX we received the XXXX XXXX form for XXXX from XXXX Mtg with the CORRECT amounts entered in box XXXX ( mortgage interest ) of {$2500.00} and in box XXXX ( MIP ) {$1900.00}. 
In XXXX of XXXX, I started asking Champion Mtg when we might expect to see our XXXX for XXXX. On XXXX XXXX, XXXX I finally received the XXXX for XXXX from Champion Mtg. The amount entered in box XXXX ( interest ) and the amount entered in box XXXX XXXX MIP ) are XXXX INCORRECT. 
I have repeatedly asked ( on the phone ) and in emails, during at least XXXX or XXXX conversations, starting on XXXX XXXX, continuing through XXXX XXXX, for a corrected issue of my XXXX form. I have spoken to a " supervisor '' by the name of XXXX XXXX, and to a " Vice President '' by the name of XXXX XXXX. Both assured me that they " were working on it ''. I have supplied all the documentation that was requested. A quote from an email from XXXX XXXX reads " ... ..you should be able to ( file ) since we feel the figures are correct as well, and then the corrected XXXX will follow. " To date, NOTHING has been " corrected ''. 
It is so frustrating and time consuming to have to pursue XXXX simple document from a mortgage lender just so I can properly complete my income taxes. I am in the process of preparing to file our income tax return for XXXX. My husband and I pay a very knowledgeable and experienced CPA to do our returns. We will be filling our returns using the numbers we personally have compiled for our XXXX XXXX XXXX form from Champion Mtg. Obviously these numbers will not match what Champion has already sent to the XXXX, and our CPA has " warned '' us we may receive an XXXX inquiry. 
I am hoping that by filing this complaint with the CFPB, we will see Champion Mtg comply with the law regarding the proper reporting of our XXXX information. 
I will be sending a copy of this complaint to the Oregon XXXX ( formerly known as the XXXX Oregon ) and filing a complaint with their office as well. 
Also, a copy of this complaint will be mailed directly to XXXX XXXX, and to XXXX XXXX at Champion Mtg, and also to XXXX XXXX at Nationstar Mortgage. 
Thank you, XXXX XXXX XXXX