Consumer complaint received 2017-11-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: AZ

Complaint narrative:
So this nightmare began when we got a letter from Nation star stating that they are now servicing our loan on behalf of XXXX XXXX ( owner ) and how are loan was in good standing with the amount which was thousands higher then with the previous servicer and it was dated XX/XX/XXXX there were also 2 other notices of transfer one stating XX/XX/XXXXthe other XX/XX/XXXX and we still received our statement from XXXX stating they were still our servicer which was really confusing so after trying to sort it I paid for XX/XX/XXXX and XX/XX/XXXXto Nation star with all there late fees and everything else which did n't seem right but this was just the beginning following shortly after on XX/XX/XXXX 20 days after one of the transfer letters from Nation star that stated our loan was in good standing sent us a notice of lost mitigation options because our payment was 30 days or more past due kind of odd considering we had n't been with them a month so come XX/XX/XXXX I try to pay and I ca n't because it 's trying to force 2 payments because the did n't record XX/XX/XXXXs payment so I was not able to pay and it was never corrected so once again in XX/XX/XXXX the notices of default and mitigation for not being able to pay due to there error plus the fees and our fast growing balance and not getting answers sent a payment but again nothing updated so now after dealing with this for 2 months finally in XX/XX/XXXX got one of the many dedicated loan specialist that were assigned to our case and made an arrangement with them to send 2 payments by the end of the month they said that was fine thank you for letting us know so at the end of the month I sent two cashier 's checks priority I took a picture of checks and tracking number and emailed it to another dedicated loan specialist who was assigned to our account who we spoke with at the end of the month so we keep checking online and once again nothing updated to our account so called them XX/XX/XXXX and they claimed they never received them then a month after me send the cashier 's checks with tracking stated they received them XX/XX/XXXXand them claiming they had n't received them we got them back with the backs stamped for deposit so once again we are now talking with another dedicated specialist XXXX XXXX  who could n't answer our questions and she asked us to give her some time because the people she needed to speak with were unavailable so in the intrume we received a letter from a law firm stating they represent XXXX XXXX and requesting payment of XXXX over 10,000 what we owe but also not knowing who any of these people are as there was never written notice or recording of change in beneficiary or trustee, so finally XXXX calls and says that they did n't except payment because I sent 2 separate checks instead of one? That 's why they sent them back so I went from being current on my mortgage until Nation star and between unrecorded payment and losing or returning payments we are now 6 months behind so then XXXX states the are only option is to pay in full with thousands in unexplained fees or to modify with them so on XX/XX/XXXX we received via email even though they supposedly do n't communicate via email a uniform borrower assistance form so while we are in the process of the modification we get a forclosure notice taped to the gate on XX/XX/XXXX so we called XXXX and she said oh do n't worry we will pause it once we get done with the modification and of coarse they did n't and of course they denied it because we could not provide some of the things they wanted so now what well I filled a complaint with the CFPB thinking god I hope someone can help protect us from these people and unfortunately Nation star had a one up again by stating they have have addressed the issue and sent the CFPB documentation that we just did n't pay and comply with there dates and they have done everything perfect lol well as it 's now XX/XX/XXXXand I have had 10 months of fighting for my home I had the chance to find and read everything I ever got from Nation star including the one document that confirms they lied to the CFPB by sending them different documentation on why they did n't except payment which basically stated they told us on XX/XX/XXXXthat the 2 payments were no longer enough and they would provide a new breakdown which I never received so in my digging I found the real notice from Nation star which still was n't 100 percent accurate considering my emails and dates but it does n't confirm them lying to the CFPB and it basically states that I made a payment arrangement with them for 2 payments with the second payment arriving XX/XX/XXXX then it states that I also provide a copy of the certified check and since the account had not been reffered to active forclosure yet the payment would have been accepted how ever they did n't receive the check or the aforementioned check of XXXX untill XX/XX/XXXX then stated on XX/XX/XXXX we returned funds notice explaining that the amount was no longer enough and all collection and foreclosure activity may continue which that was the first time ever seeing anything that stated foreclosure then it states that there records indicate a review for loan modification was initiated XX/XX/XXXX but is delayed due to missing information? Well a couple thing wrong here one the obvious lying to the CFPB 2nd they supposedly sent this notice to me XX/XX/XXXX but then indicating modification XXXX and not sure how the modification could be delayed considering we did n't receive the paperwork till XX/XX/XXXX via email from our specialist XXXX XXXX. That fact is this company has intentionally lied and tried to keep us in mess of confusion while they try and steal my home and we still have no idea who any of these people are the first time anything was recorded in our county recoder office was n't till XX/XX/XXXX assigning XXXX XXXX partners the deed of trust which then leaves a big question of how were these people claiming ownership back in XX/XX/XXXX with no legal right on record and not to mention there is no address or property description on this assignment of deed of trust? I could go on and on but the blatant violations and fraudulent claims is disturbing I have tons of documentation I will attach it 's hard to look though because there are so many controdicting statements. I did send 4 certified RESPA request on XX/XX/XXXX .Thank you for any assistance you can provide.

Company response to consumer: Closed with explanation