Consumer complaint received 2015-05-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: MO

Complaint narrative:
Nationstar Mortgage referred my loan to foreclosure at 90 days past due. I inquired why as the new regulation prohibits referral XXXX XXXX legal ) before 120 days past due. I had to send the CFPB information into them as the Foreclosure Prevention Specialist XXXX XXXX XXXX XXXX stated he refers all loans 90 days past due to foreclosure, and he was unaware of any CFPB requirement. 
Last Payment of {$1400.00} was received on XX/XX/XXXX due amount of {$6900.00} Is due ImmediatelyNext payment of {$1400.00} due on Sunday, XX/XX/XXXX started with me calling in on XX/XX/XXXX to make a payment and was told that I needed to have XXXX payments. I explained that my tenants had sent in a check as well, and I had another payment set up for XX/XX/XXXX. I also explained I had a retention bonus of {$11000.00} payable to me on XXXX XXXX, 2015. I was told that if the XXXX payments could not be made that I would be referred to Foreclosure. I inquired as to why I was not offered any form of Loss Mitigation, the young lady explained because I had tenants in the home. I explained that I had to relocate due to my job, and that was an exclusionary with FHA XXXX exception ) and not only that proved that I could reinstate in full the loan ( with bonus ). I thought these were scare tactics as I know the loan can not be referred until 120 days past due. When I got the call on XXXX/XXXX/15 and was told my loan was referred to foreclosure, I was surprised. I wrote a complaint letter on XXXX/XXXX/15 and emailed Nationstar. I received a call from the complaint department stating they would respond by XXXX XXXX, 2015. I then received a call from XXXX XXXX stating that he spoke to his compliance department and he was within his right to refer my loan to foreclosure at 90 days. I inquired if/what my account had accrued legal fees and the name of the firm. I was told he would get the figures for legal costs and fees and I was referred to XXXX. Nothing has been addressed about no offer of Loss Mitigation or the fact that I proved that I had a retention bonus of {$11000.00} before my loan would be 120 days past due. In no fashion has Nationstar tried to work with me. This is the XXXX time my loan has ever defaulted XXXX rolled 30 days on XXXX ), it is not like my account is chronic. ( over 30 days XXXX. I explained my reason for default was I am in a middle of a divorce and the tenants had a troubled XXXX and fell behind in their rent to me on the XXXX of XX/XX/XXXX ( XX/XX/XXXX ). Once again, my loan has never been over 30 days late since it was originated in XX/XX/XXXX 
This is the XXXX issue I have ever had, and shocked at how there has been no foreclosure prevention on my loan as suggested by the title of the representative that has been corresponding with me. 
I bring this to your attention as I am concerned for other consumers that have their mortgage with Nationstar. Even with writing a complaint letter and sending a copy of my retention bonus have they pulled the loan from foreclosure.

Company response to consumer: Closed with explanation