Consumer complaint received 2017-01-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (NY)

On XXXX/XXXX/XXXX I secured a mortgage on my home in the amount of {$360000.00} and financed through XXXX XXXX the mortgage was assigned to Aurora Loan Services who then became the mortgagee/note holder.Due to the tough economic times low rate of pay as a school bus driver and the hardships of being a single mother I fell behind on my mortgage payments.About XXXX/XXXX/XXXX before I got back on my feet I received a Notice of Motion for Application of Final Judgment to foreclose on my property. As a single mother of XXXX children with no where else to go I could n't bear the thought of losing my home. Around XXXX I contacted Aurora Loan Services in an attempt to reach an agreement to keep my home and lower my mortgage payments to an affordable amount. After many conversations in which Aurora represented to me that if I made an application through the Home Affordable Mortgage Program I would be able to modify my mortgage.I spent a considerable amount of time and expense in copying numerous documents and paying for postage to mail the application for this modification to Aurora.About XXXX/XXXX/XXXX Aurora Loan XXXX XXXX accepted my application and sent me a XXXX Trial Period Plan.The plan promised that if I made the required trial payments in the amount of {$1200.00} per month for 3 months starting XXXX Aurora would send me a signed copy of the plan and permanently modify the mortgage.If I did n't qualify for the plan Aurora was supposed to send me written notice.On/about XXXX/XXXX/XXXX I sent the executed plan along with the first required payment of {$1200.00} to Aurora.Aurora failed to send me notice of my qualification status regarding the plan.Desperate and hoping that my good faith payments would make a difference even without a confirmed plan I continued to send the required payments to Aurora.On/about XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX I sent a certified check to Aurora Loan Services in the amount of {$1200.00}. Aurora continued to accept my payments and never returned a check, Aurora never officially acknowledged receipt of my payments.In XXXX I received Notice from the XXXX XXXX XXXX XXXX that my home was going to be sold at a sheriffs sale on XXXX again contacted Aurora to find out why my payments had n't affected their decision to foreclose on my property.Aurora claimed they never received my payments and since the plan was never executed by both Aurora and myself that they were well within their right to foreclose on my property.The payments were in fact cashed by Aurora. I again pleaded with Aurora to allow me to enter into a loan modification agreement in an attempt to keep my home and they agreed to send me a workout agreement. On/about XXXX/XXXX/XXXX I received another workout agreement from Aurora stating that Customer has requested and Lender has agreed to allow Customer to repay the arrearage pursuant to a loan work-out arrangement. I was excited and overjoyed to learn that if I abide by the terms of the workout agreement and made all XXXX required payments on the XXXX of each month beginning in XXXX my home would not go into foreclosure and my children would still have a roof over their heads.On/about XXXX/XXXX/XXXX, as required by the terms of the workout agreement I sent the executed agreement to Aurora. On/about XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX I sent a money order in the amount of {$1200.00}. Aurora did n't confirm receipt of the agreement or my payments.In XXXX I received notice that my home was going to be sold at a sheriff 's sale on XX/XX/XXXX.On/about XXXX/XXXX/XXXX I retained legal counsel to stop the foreclosure proceedings on my property.XX/XX/XXXX I filed for bankruptcy. Now I received correspondence that they are suddenly raising my principal payment from. My interest rate, and escrow stayed the same but my principal has TRIPLED going from {$460.00} to {$1200.00}. HELP!