Consumer complaint received 2015-12-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: IL

Complaint narrative:
It 's been 18 months that I have beg nationstar mortgage for an opportunity to help me get caught up with my loan, all these months I been asking nationstar mortgage for assistance regarding the past due payments. They already know the reason of why I 'm delinquent a d the reason that cause me to fall behind on my mortgage payment. Unfortunately I was affected with nature disasters, around the time I got modified for the first time in my entire loan, there were XXXX big thunderstorms in form of a tornado with strong heavy rain. My basement got flooded twice. And I had to repair the damages and unfortunately I had to use the money I had to make the repairs I had no other options but to fix it. I tried making a insurance claim but I did not got a proved I had a claim in my file and making a new claim would probably increase my insurance policy or the insurance would have close my relationship with then for having more claims. I contacted ( fema ) and they denied me any type of funds. I had no other alternatives. Now I regret it because maybe I took a wrong decision. If these nature disasters would had happen I would be current at this moment. I regret it but now it 's too late. I explained my situation many times to nationstar mortgage but they did n't seem to consider what had happen. They did n't seem to care and denied me any type of assistance when I know that this nature disasters caused me to fall behind on my mortgage. All I want is a second chance I want to keep my home and start making my payments as soon as possible. I know together we can make it happen I want to keep my home and together we can find a solution to this matter. I 've done everything in my hands to get a loan elsewhere but I would not qualify since I 'm behind my mortgage it 's not easy to get a new loan to pay off your past due amount. I tried many companies but I do n't get good hopes since I 'm behind so I would not qualify automatically. I do n't know what else to do so that nationstar mortgage give me a solution to this matter all I want is to keep home and start making my payments asap. I 've done so many appeals and I still get denied. It does n't matter what i do anymore, nationstar mortgage has told me straight up that they wo n't accept any work out option or a solution because supposely I have exceeded the max allowable numbers under hamp modification. I have only modified once in my entire loan. I would like to know why they keep saying that I had exceeded the max modification when I 've only gotten XXXX modification in my entire loan. Unfortunately the reason that caused me to fall behind was the nature disasters of flood damages. It 's been 18 month that I ve been beggin nationstar mortgage for assistance and evert time they keep ignoring me every month that pass by the debt grows bigger and bigger, i wish it stop and have them give me an opportunity and a solution working a way out to this matter. But every time I talk to their representatives they keep giving me the run around, how many times I have to submit new RMA MODIFICATION PACKAGE. With updated information such as paystubb, bank statement etc. Over and over again. I do n't even think they reviewing my file sometimes when I check my nationstart mortgage web account to check the status of everything. I 'm surprised on how I submit a complete package and get denied in a day or two after I have submitted a complete updated package. I get a immediately response in a day or XXXX the latest is 5 days. Does it really take that little time to review a complete package when they say it take up to 30 days for a decision, and when they give me a decision is always a denial, letter in 2,3 or 5 days I tought up to 30 days?. Sometimes I feel like nationstar mortgage does n't really review my file correctly and it sits there for a day or two and they give me a denial letter

Company response to consumer: Closed with explanation