Consumer complaint received 2015-06-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: NJ

Complaint narrative:
I FILED A COMPLAINT ON XXXX XXXX, 2015 XXXX XXXX ) IN REFERNCE TO NATION STAR AND MY MODIFICATION PROCESS AND THE WAY IT WAS BEING HANDLED. AFTER THAT TIME I RECEIVED AND LETTER AND A CALL FROM NATION STAR STATING THEY DID N'T RECEIVE ALL THE DOCUMENTS FROM ME IN WHICH IT WAS N'T A TRUE FACT BECAUSE I WOULD N'T HAVE FILED WHEN I DID. SINCE THAT TIME I STARTED THE WHOLE MODIFICATION PROCESS OVER AND ATTENDED TO IT AGGRESSIVELY TO MAKE SURE IT GOT TO UNDERWRITING. MY MODIFICATION MADE IT TO UNDERWRITING ALL DOCUMENTS THAT WAS REQUESTED WAS RECEIVED. SO I HAVE TO CALL AND FOLLOW UP PERIODICALLY IN WHICH I DID AND I SPOKE TO A REPRESENTATIVE ON XXXX XXXX, 2015 AND WAS ADVISED THAT MY MODIFICATION WAS DENIED STATING THAT I DID N'T MAKE ENOUGH IN WHICH I ASKED HER CAN I HAVE THE DETAILS OF THIS DECISION AND I WAS TOLD THAT THEY SAID MY INCOME WAS {$3700.00} A MONTH IN WHICH IT IS NOT TRUE AND IS NOT IN MY MAKING HOME AFFORDABLE APPLICATION, NOR IS IT ON MY INCOME DOCUMENTS IN WHICH I HAVE PROVIDED. I HAVE A NET INCOME OF XXXX. XXXX A MONTH WHICH IS ENOUGH TO PAY MY BILLS. NATION STAR INSISIT IT 'S TRYING TO HELP HOMEOWNERS SAVE THERE HOMES, THIS WHOLE PROCESS HAS SAID OTHER WISE. I REALLY NEED HELP WITH THIS PROCESS ALL I 'M REQUESTING IS TO HAVE MY INCOME CALCULATED CORRECTLY AS STATED AND SHOWN IN MY APPLICATION PACKAGE AND ALSO I PROVIDED CURRENT TO DATE VALUES OF HOMES IN MY AREA TO GET A VALUE ON MY HOME BECAUSE IM UPSIDE DOWN IN VALUE AND ALSO THAT HELPS IN DETERMINING PAYMENT AMOUNTS. I PERSONALLY DID RESEARCH ON THIS GOVERMENTS MAKING HOME AFFORABLE PROGRAM AND IT STATES THAT IT EVEN HELPS A PERESON ON ( UNEMPLOYMENT ) HELP TO SAVE THERE HOME. IT 'S MADE TO GO THAT FAR AND THAT 'S GREAT ; BUT WITH NATION STAR THIS PROGRAM THAT 'S HERE TO HELP FAMILY 'S SUCH AS MINE IS BEING PRESENTED TO BE DISCOURAGING AND MENTALLY DAMAGING, BUT THIS COMPLAINT WILL INSIST THEY HERE TO HELP UNDER THIS GOVERMENTS PROGRAM ... ( PLEASE SOMEONE HELP ME WITH THIS PROCESS ), I HAVE DONE EVERYTHING THAT WAS ASKED OF ME, CALLED EVERYDAY, SENT ALL DOCUMENTS, SAT AND WAITED TO HAVE MY INCOME TAKING AWAY AND DEINED HELP ONCE AGAIN, TO HAVE MY FAMILY AND I ON THE STREETS ... THIS IS TOTALLY UNFAIR!!!! 

I HAVE ATTACHED THE MAKING HOME AFFORDABLE APPLICATION PROVIDING MY INCOME WHICH WAS NOT CORRECTLY APPLIED TO MY APPLICATION AND ALSO A COPY OF THE CURRENT VALUES OF THE HOMES IN MY AREA TO SUPPORT THE DOCUMENTS, ALONG WITH THE RMA APPLICATION ; TO HELP WITH MY CURRENT PAYMENTS OR TO HELP GET A CORRECT VALUE OF HOUSE IN MY AREA SUCH AS MINES. THE ATTACHED SUPPORTING DOCUMENTS THAT WAS PROVIDED TO NATION STAR TO HELP SUPPORT MY COMPLAINT. I WAS ONLY GIVEN CREDIT FOR {$3700.00} ; WHICH IS AN INCORRECT AMOUNT. IF YOU MINUS MY BOTTOM LINE NUMBER MY INCOME IS GREATER THAN WHAT WAS IMPOSED IN THE MAKING OF THEIR DECISION AND ALSO IF YOU 'RE MAKING A DECISION OFF CURRENT VALUES MY INCOME CAN WELL SUSTAIN MY MORTGAGE PAYMENT.

Company response to consumer: Closed with explanation