Consumer complaint received 2015-05-14
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (FL)

I am writing to file a formal complaint for violation of the requirements of the XXXX. I, XXXX XXXX, originally purchased my home on XXXX XXXX, XXXX and it was financed through XXXX Mortgage, who later sold my mortgage to XXXX XXXX XXXX. 
Sometime in XXXX, XXXX XXXX XXXX was working with my then wife, XXXX, on a loan modification. The loan modification was subsequently denied and filings took place for foreclosure. Concerning the filing of the foreclosure, neither XXXX nor I were ever personally served with a summons and received " legal '' notice of the foreclosure case by publication. I did not file an answer because I did not even know about the lawsuit until the hearing in XXXX of XXXX. After appearing at the hearing, I informed the judge that I was in the middle of a divorce, in which my new address was of record, and I was unaware of the foreclosure. The judge proceeded to issue a final judgment of foreclosure while stating that Nationstar continue to work with me on a loan modification. Nationstar then proceeded to pretend to negotiate with me in good faith while all the time making the claim of missing documentation and therefore, the sale of the house would be XXXX XXXX, XXXX. Because of this reason, I was forced to file bankruptcy in an effort to save my home. 
While in bankruptcy, problems arose with the plan and Nationstar immediately filed an order rescheduling foreclosure sale which was granted for XXXX XXXX, XXXX. The sale was subsequently cancelled due to the successful refiling of bankruptcy by entering a notice of conversion from chapter XXXX to chapter XXXX. On XXXX XXXX, XXXX a motion to reschedule foreclosure sale was filed and on XXXX XXXX, XXXX the sale date was rescheduled for XXXX/XXXX/XXXX. During this entire stretch of time, I was under the impression that Nationstar was acting in good faith during the negotiation process of a loan modification but it soon became clear that they had no intentions of giving me a loan modification. After almost 18 months, Nationstar decided to deny my request for a loan modification, stating insufficient disposable income. 
On XXXX XXXX, XXXX, I filed a motion to cancel the sale and not reschedule. Upon this filing, Nationstar immediately filed a motion to cancel the sale. A hearing was scheduled for XXXX XXXX, XXXX and in this hearing, the judge listened to the Nationstar attorney and rescheduled a sale for XXXX XXXX, XXXX without taking on my motion to cancel and not reschedule sale. After this hearing, Nationstar coordinated with XXXX and informed them that I needed to have at least {$1400.00} additional income to be considered for a loan modification. Now, I 'm forced to take on a tenant in my home to bring in the supplemental income for a loan modification. After contacting Nationstar on XXXX XXXX, XXXX, I was informed over the phone that they would lift the " freeze '' on the sale due to failure to submit subsequent documents within 7 days of foreclosure sale date. When asked where the correspondence was requesting these documents, the representative stated it should have been mailed out. This comes after I received a letter from Nationstar stating that everything was under review and I 'd be notified in roughly 30 days or more. 
Now, as result of a culmination of Nationstar 's disingenuousness and the judge 's lack of care of the matter, my home was sold on XXXX XXXX, XXXX ever after XXXX the mortgage company and myself filed motions to stop the sale, therefore leaving me homeless. 
My complaint is that Nationstar is in clear violation of the National Mortgage Agreement. As part of the XXXX, the settling banks must comply with a comprehensive set of guidelines when servicing mortgage loans. For example, under these guidelines, the banks must inform borrowers of all loss mitigation ( loan workout ) options before starting a foreclosure,