Consumer complaint received 2017-07-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: IL

Complaint narrative:
My name is XXXX XXXX XXXX I 'm filing this Complaint against my FHA Approved lender NationStar Mortgage LLC, XXXX XXXX XXXX XXXX, XXXX TX XXXX, Loan # XXXX. My Property Address is XXXX XXXX XXXX XXXX, XXXX Ill, XXXX. My contact info is Phone # XXXX XXXX, E-Mail is XXXXXXXXXXXX. Since XX/XX/XXXX I HAVE BEEN SERVE FOR CLOSER PAPER ON MY HOME 3 TIMES ( THE 3rd BEING ON XX/XX/XXXX ) BY THE LENDER. THE FIRST WAS BACK IN XX/XX/XXXX IT WAS DISMISS WHEN I DID AS THEY ASK PAID THEM {$10000.00} DOLLAR AND FILE FOR A LOAN MODIFICATION. WHEN I DID N'T HEARD ANYTHING FROM THEM I WROTE THEM A QUALIFIED WRITTEN REQUEST LETTER, THEY ACKNOWLEDGE RECEIPT OF THE LETTER AND STATED THEY WOULD RESPONSE WITHIN 30 DAYS.BUT I NEVER GOT ONE. INSTEAD THEY FILE ANOTHER FORECLOSURE IN XX/XX/XXXX. SO I HIRE A MORTGAGE BROKER WHO STATED HE COULD GET ONE FOR ME IN FOUR MONTHS. TWO MONTH PASS AND STILL NOTHING WAS HAPPENING SO I FIRE THE BROKER AND HIRE A LAWYER ( XXXX XXXX XXXX LLC- ON XX/XX/XXXX ). THEY WORK WITH ME ON OBTAINING A LOAN MODIFICATION AND MY FORECLOSURE ISSUE WITH THE LENDER. WE OBTAIN A TRIAL MODIFICATION IN XX/XX/XXXX BUT THERE WAS A CATCH. THEY WANTED MY EX -- WIFE SIGNATURE ON THE DOCUMENT .I DO N'T KNOW WHAT HAPPEN BUT THEY ACCEPT THE TRIAL MODIFICATION ( WITH JUST MY SIGNATURE ) AND MY PAYMENT AND ISSUE ME A FINAL MODIFICATION IN XX/XX/XXXX,. BUT AGAIN THE ISSUE OF MY EX SIGNATURE CAME INTO PLAY AGAIN. BECAUSE I COULD NOT GET A NOTARY TO SIGN OFF ON THE MODIFICATION. I CONTACT NATIONSTAR AND STATED THEY WOULD SEND ONE OUT WHO COULD VALIDATE THE MODIFICATION. WE CHOSE XX/XX/XXXX MY NEXT COURT APPEARANCE IN XXXX COURT ON THE FORECLOSURE ISSUE ( SEE COURT TRANSCRIPT ) THE NOTARY STATED WHEN QUESTION BY THE JUDGE WOULD THERE BE ANY PROBLEMS. THE NOTARY REPLY, NO. SO LONG AS I SIGN THE PAPER AND MAKE THE STATED PAYMENT NATIONSTAR WOULD APPROVE IT. I SIGN THE PAPER AND HE CROSS OUT HER NAME OFF THE DOCUMENT. ( HE TOOK COPY OF BOTH OUR ID AND ATTACH THEM TO THE FINAL MODIFICATION .. ON XX/XX/XXXX THE FORECLOSES CASE WAS DISMISS ( SEE COURT ORDER ) .IN XX/XX/XXXX I RECEIVE A NOTICE FROM NATIONSTAR STATING I MUST PAY {$45000.00} IN ADDITION TO ANY OTHER AMOUNTS THAT BECOME DUE FROM THE DATE OF THIS LETTER. ( SEE ATTACHMENT ). ALSO MY MODIFICATION PAYMENT FOR XX/XX/XXXX WAS SEND BACK TO THE BANK WITHOUT A REASON WHY.. NOW I DO N'T KNOW IF THE THIRD QUALIFIED WRITTEN REQUEST LETTER I SEND THEM ON XX/XX/XXXX ( SEE ATTACHMENT ) CAUSE THIS ACTION BUT ALL PAYMENT SEND THEM SINCE XX/XX/XXXX, HAVE BEEN SEND BACK AFTER ALL PAYMENT BEFORE WAS ACCEPTED. ( SEE ATTACHMENT ) THERE RESPONDED TO THE QUALIFIED WRITTEN REQUEST LETTER WAS RECEIVE IN XX/XX/XXXX, BUT THEY DID NOT ADDRESS ANY OF THE QUESTION I ASK ( SEE ATTACHMENT ). SO I CALL NATIONSTAR AND SPOKE TO A XXXX XXXX XXXX ( XXXX XXXX XXXX ) WHO STATED HE DID NOT KNOW WHY MY QUESTION WERE NOT ANSWERS BUT HE WOULD SEND IT TO THE NEXT LEVEL AND I SHOULD GET A RESPOND FROM NATIONSTAR IN 2 DAYS.AFTER A WEEKS WENT BY WITH NO CALLBACK I CALL NATIONSTAR XXXX AND XXXX XXXX WAS UNAVAILABLE, SO I SPOKE TO SOMEONE ELSE WHO STATED HE COULD NOT SPEAK FOR XXXX XXXX I WOULD HAVE TO TALK WITH HIM. SO I REPEATEDLY CALL HIS NUMBER, LEFT MESSAGE AFTER WHICH I GOT A VOICE MAIL MESSAGE ( I 'LL WILL RETURN YOUR CALL IN 24 HR. ) BUT I HAVE YET GOTTEN A CALL SO ON XX/XX/XXXX I FILE A COMPLAINT WITH HUD WHO STATED THEY WOULD RESPOND IN 2 DAYS ( THAT NEVER HAPPEN SEE ATTACHMENT ) ON XX/XX/XXXX I SPOKE TO XXXX XXXX MY PREVIOUS CONTACT AT HUD. SHE SAID THERE NOT MUCH HUD CAN DO IT A REQUIREMENT THAT THE EX WIFE SIGN THE MODIFICATION. UNLESS YOU AND THE LENDER HAVE WORK OUT A DIFFERENT AGREEMENT. ( WHICH I DID BACK IN XX/XX/XXXX IN COURT ), RIGHT NOW YOUR OPTION ARE LIMITED YOU GOING TO HAVE TO FILE A BK IF YOU WANT TO SAVE YOUR HOME THE MODIFICATION PROGRAM END IN XX/XX/XXXX AND IT TOOK THIS LONG FOR YOU TO GET ONE I DO N'T THINK YOU WILL GET ONE IN FIVE MONTHS..SO NOW I MUST HIRE A BK ATTORNEY, MAINTAIN THE FORECLOSE R ATTORNEY, AND THE OTHER WHILE I GET THE DOCUMENT NEED IT TOGETHER TO FILE A CHAPTER XXXX BK. IT SEEM THAT MY ACTION CONTINUE TO COST ME MORE TIME AND MONEY THEN WHAT I THOUGHT. WAS IT THE RIGHT THING TO DO I CA N'T ANSWER THAT. BUT I DO KNOW IT ALL A GAME AND I DO N'T LIKE BEING TOLD I 'M WASTING BOTH AND GETTING NOWHERE. SO IF I HAVE TO FILE A CHAPTER XXXX I WILL. BUT AS SOON AS I 'M ABLE I WILL FILE A LAWSUIT IN FEDERAL COURT AGAINST NATIONSTAR FOR BREACH OF CONTRACT IN REGARD TO THE FINAL MODIFICATION AND THE PAYMENT THEY ACCEPTED

Company response to consumer: Closed with explanation