Consumer complaint received 2017-06-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
This is my third complaint. Keep your home CA ( KYHC ) is assisting me by paying {$3000.00} towards my payment. Their portion arrives towards the end of the month and my portion is due on XX/XX/XXXX. My XX/XX/XXXX was paid on XX/XX/XXXX. On XX/XX/XXXX I had to follow up since my payment was still showing as unapplied. XXXX XXXX, employee of Nationstar replied on both prior complaints therefore I reached out to her via email about the payment not even being applied yet. She responded on XX/XX/XXXX that I should see it updated in 48 hours. It was not applied so called and voicemail indicated she was out of the office until XX/XX/XXXX. I called their customer service, which never can do anything but open a " request '' to have my payment applied. On XX/XX/XXXX, I received a response from XXXX state that the payment has now been applied and that KYHC is not requiring the payment to be posted on XX/XX/XXXX. Frustrated, I looked up my payment activity and confirmed the payment had been applied as of XX/XX/XXXX. I then responded to XXXX to indicate, I have never said that this was a KYHC law but part of the CFR that payments should be applied timely. It seems because I am receiving government assistance that I am not treated fairly. I have to notify them each month that payments are all in so that someone can manually post them to my loan and almost each time, they are not back dated to the date the entire payment was received. Please note, I understand it takes time to put the payments together and apply but if it takes them over 3 weeks, just post it with the correct effective date when the entire payment was received. <P/>Today, I received a call from KYHC that they were requested by Nationstar to tell me it was not their requirement to back date payments. They also told me that Nationstar does n't have the ability to back date or it takes extra steps. I apologized to KYHC as this has nothing to do with them and asked her to please notify Nationstar to explain " why '' they are refusing to be compliant with the reg and not posting my payment as of the date it was received to the CFPB. The ongoing excuse is we are not reporting you as late or charging you late charges etc. I in fact do receive late notices which in turn I have to contact them to fix the payment each month if I fail to notify them that the payment has been received by them. <P/>Last complaint was responded to on XX/XX/XXXX indicating that it was error and it was corrected. <P/>Prior compliant was XX/XX/XXXX and all prior errors were corrected. As previously stated I still had to contact, XXXX XXXX to notify her the payments were made and she would follow up to ensure they were applied and backdated. XXXX continued this for about a year until the Hardest Hit Department started to refuse to fix the payments in XX/XX/XXXX which lead to my second complaint. Despite no late charges this year, there was one last year which they finally reversed.

Company response to consumer: Closed with explanation