Consumer complaint received 2016-06-28
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (FL)

We have another formal complaint again Nationstar & also we are under a time restraint.We need a new loan/servicer.Can we stop them from adding fees that we did not approve to our statements and not calculating our escrow account correctly? We have added money to our escrow account and payments have been about the same but we are always extremely negative & they can not explain why and will not even talk to us.We were just offered a modification & told not to pay XXXX payment & that it would not effect our credit.We can not even finance cars for our kids.We have in writing to an attorney that we are only 2 % away from removing pm & that we should be allowed to pay that 2 % .They have been adding fees to our statements for years & stealing money from our escrow accounts as it was only XXXX negative in XXXX and now XXXX? They have said we have been negative all 6 years they have had our loan! When you calculate the numbers it is all not accurate.We know they have class actions against this.They have been lying to us for years.We also have in writing that they would allow us to keep a 2 % interest rate previously.I can forward you the email.Then they have sent us many letters saying if we pay XXXX depending on the letter we could remove PMI! Now with the last letter it is only 2 % which we should be allowed to pay.My point is that it is always a lie, always them stealing money & we are not the only ones saying this.We have no choice but to move forward with this new modification but we do not want the 40 year loan and they said it was what you make them do.We have to take it because we can not afford our loan.I am XXXX.I was in XXXX when this all started.I am now trying to XXXX yet again, but I was, I am very ill.I have XXXX kids.They knew this & discriminated against me.I am desperate for your help to remove PMI & not ruin our credit even more than they already have.They actually reported negatively inaccurately for months & just recently fixed it, admitting they were wrong but it took years! OUR CREDIT IS NOW RUINED! They get to do what they want and we are stuck fighting for my life, to keep a roof over our kids and then now they blame you! We should not have PMI.The price we paid for our home is way more than the 80 LTV anyway and also Our home is worth more than the values they speak of.They sent a letter stating it was 82 % then now they want to make us 98 % with the new modification! This is not legal and with all the fees and errors in escrow we believe they have made commingling and calculation errors.We have even paid money DIRECTLY IN the escrow account! We should not be required to have PMI or to have escrow with a company that can not handle escrow legally.They have had so many issues they have had to give homes away because of fraud.I Can send the emails of them promising me things they never came through on if you want, but we are ran out of time, they told us not to pay this month and we have to go with this modification, but we should be allowed to pay the 2 % and not have the PMI IN it.They have done this to us and are partly to blame for how bad I am.Doctors have said all of this stress is making me more and more sick. Nationstar has in writing promised me that they would lock in my 2 % rate & they destroyed my credit by reporting negatively for years so I can not refinance ( they have since fixed it but it did not boost my credit or my Husbands credit enough to qualify for harp ) .I also have proof that they added fees to my account and mishandled my escrow.They sent us about 5 different letters with different amounts of pmi % owed.The last one said we owed much more & would send us a new one yet again & never did.Here is their email that I copied for proof. 
On XXXX, XXXX, XXXXXXXXXXXX wrote : You can keep the rate you have ( 2 % ), you would just have to reinstate the account