Consumer complaint received 2016-05-17
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (FL)

Complaint against Nationstar Mortgage Company doing business with XXXX. 
It has been about XXXX years now since this company has not been sending me monthly mortgage statement as required by law so that I can follow up or know what my payments are, loan balance, etc. In the meanwhile, this company has raised my mortgage payment 100 % adding nearly {$1000.00} more to my mortgage account making it very difficult for me to pay. When I refused to pay they reported me everywhere which brought my credit score down to the lowest point. I had no other alternative but to give them the money requested which is very unfair and unjust. I think this company is not working in the best interest of all, especially since it has been taken over by XXXX - they tend to be always looking for ways to increase my mortgage payment which I am forced to adhere to. Another point, frankly speaking they are not willing to help me to refinance my mortgage - all they do is to pretend they are willing to help ( according to law ) by sending letters to the effect and no action taken by them. Meanwhile they keep a watchful eye on my property - with the intention of taking it away some day. With the documents sent they are kept current as to how much money I have in the bank and have the pleasure of knowing all my pertinent information so that they can take action from there. I strongly believe that Refinancing is never on their agenda. I must state that I have requested to refinance the stated property with them no fewer than XXXX occasions, all to no avail. They just kept requesting me to submit the same information to them over and over again only not to hear from them. I am a retiree and a widower and depend solely on my property as stated above for survival. I must also add that this mortgage company, it would appear, does not like to submit written correspondence ; they tend to prefer telephone conversations through their answering service which should not be. When I called up the company this morning in connection with my mortgage due ( last month and this month 's payment which is still not over yet ) I was surprised when the company added again nearly {$2000.00} more claiming it as late fees, etc. This is what this dishonest company does, working in concert with XXXX. A certified check was mailed to them by me this morning for last month 's rent bringing it current and the rest to be applied to this month which is not over yet. My struggle is also due to tenants in the past owing me nearly {$20000.00} in rent and cash, all I have remaining are XXXX documents. I forgive them. I am bringing this matter to your attention because I do not like what is going on with this bank. I feel they are taking advantage on customers. Why is it this mortgage company has not been submitting to me monthly statement to the effect as required by law? I think I deserve to know in writing what my current balance is, payments made to date, etc. Should you require additional information, please let me know. Your help in this matter will be appreciated. Thank you. 

-- -- -- -- P.S. Re : Loan No. XXXX. 
XXXX : I must say that throughout the years I had requested to be on a fixed rate but apparently it was changed without my knowing.