Consumer complaint received 2015-10-27 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: OR

Complaint narrative:
I had missed one ( 1 ) payment in 35 years of home ownership- that being one payment XX/XX/XXXX- NONE XX/XX/XXXX during application.. in XX/XX/XXXX I missed another as a result of their foot dragging. 
XX/XX/XXXX- begin HAMP application/s with XXXX XXXX, while applying, loan sold to Nation Star, now XX/XX/XXXX- had to start over. 
continued application process for nearly two ( 2 ) years- docs after docs after docs. HUD rep involvement/class XX/XX/XXXX, by XX/XX/XXXX- informed I was denied HAMP- apparently they sold the note in XX/XX/XXXX to XXXX prior to disclosure/ HAMP denial. I never received denial of all programs then available- never provided opportunity to appeal nor was a 'Tier 2 ' visited by said servicer- they simply sold the note in the middle of my application. In addition, I was informed in writing at least once of ineligibility as the loan was not XXXX- when in fact it was along with countless other tactics to stall. 
Also-the denial I DID receive said simply- " Borrower does not occupy residence '' ( never lived ANYWHERE else in 20+ years. 
Promptly informed XXXX was not 'obligated nor willing to offer a reduced mortgage or HAMP ''. 
XX/XX/XXXX- HomeSettlement sells loan to XXXX XXXX ( representing XXXX XXXX ) now having missed two payments XX/XX/XXXX XX/XX/XXXX and XXXX accepted {$1500.00} each month in XX/XX/XXXX & XX/XX/XXXX-I was informed XX/XX/XXXX that XXXX had become the servicer- purchasing with knowledge of the two short payments. 
Received notice of denial on XXXX/XXXX/XXXX, four ( 4 ) days after the date of the letter of denial via XXXX. 
So now here we are with an explanation of denial as except denial for ALL programs except 'Short Sale'This will not happen and I apprised them as outlined on their denial form, by telephone XXXX XXXX XXXX/XXXX/XXXX. 

One of the programs denied- requires unemployment.. now that I have returned to work- albeit sporadically this program is not applicable- though when I was unemployed and applying to Nation Star- I was never told this was a requisite- but now, as my life is improving a bit, this IS a requisite! 
I have been able to demonstrate XXXX/month religiously for several years and they describe the income as " not acceptable/ insufficient '' for most, if not all available programs. 
The documented behavior of Nation Star is an egregious/blatant misrepresentation of a Loan Servicer. 
not only did the OSHI ( an Oregon program ) fail me- providing ALL necessary documentation, they too misrepresented the program as ... " I own other residential real estate '' this is a blatant lie. 
The egregious misrepresentation of these programs is an obomination of power- contributing to the American Economy for forty ( 40 ) years- banks bailed out, monies provided to help- THESE PROGRAMS ARE A RUSE. 
OAR 137-020-0805 ( Oregon Servicing Rules ) Secretary of StateUnfair and Deceptive Acts in Mortgage/Loan Servicing has been perpetrated upon me at the least.

Company response to consumer: Closed with explanation