Consumer complaint received 04/30/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (WI).
Issue: Loan modification,collection,foreclosure

Complaint: I am a XXXX vet who is going back to XXXX so I am home part time and in Iowa partime. My friend XXXX XXXX lives with me and we make my house payment together but we fell behind a couple of months. We tried to start paying the loan XX/XX/XXXX. XX/XX/XXXX and have been running into a wall ever since. She called several times to put XXXX on the loan. She told them she was paying with with her tax card and the representative never told her that they would not except this type of payment until the she called the second or third time. At this time the bank was closed. They would not except just XXXX They wanted a full XXXX so I sent a XXXX check so they would take they XXXX. They held the XXXX check on the side and did not apply it. XXXX got a cashiers check and mailed it but mailed it to the wrong zip code this was XXXX XXXX. When I saw they had not received it we tracked it and it was on its way back to us, so I go a cashiers check on XXXX XXXX from my bank that I have in XXXX by school. Call and spoke to nation star and explain the situation. The representative said it was no problem as long as I had the payment in by XX/XX/XXXX there was no problem at all. I check to make sure they got my payment on XX/XX/XXXX and they had not received it. So I called Nation Star again to see if they have received my check. The representative said they did not but they would not except the XXXX because they foreclosed on me on XX/XX/XXXX. I never receive any for closer information on my property saying they were going to foreclose on my property. Or did anyone say anything to us in the 6 to 10 calls we may in XX/XX/XXXX -XX/XX/XXXX. I talked to XXXX manger on XX/XX/XXXX and XXXX before that. The representative advised me on XX/XX/XXXX to cancel my check and pay them XXXX and I would be ok, but the Manger told me to call back on XX/XX/XXXX. I called back on XX/XX/XXXX and the told me I had to pay them XXXX or something close to that to get out of for closer. Ever person I talk to gives me a different amount. They will not take my payments. They always tell me it has to be a specific dollar amount. How is anyone suppose to catch up when they continue to do this to you. They harassed with phone calls one or two a day for over six months till I threatened them with my lawyer. This is when I did not miss a payment at all and when I miss a payment I get nothing to say they are going to foreclose. Then Schedule an Appointment now. 

XXXX Customer Name : XXXX XXXX Free XXXX for new clients only. Not to be combined with any other offer. Not good toward boarding, grooming, prescription and non-prescription medication, and retail items. Not good toward emergency and/or specialty XXXX services. Coupon good for up to XXXX pets ( dogs or cats only ) per household. Redeemable only at a general practice XXXX XXXX Hospital. For pet owners who are aged XXXX and older. 

Valid through XXXX XXXX, 2016 XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX & XXXX ) XXXX - XXXX

Company response to consumer: Closed with explanation