Consumer complaint received 2016-05-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
My Loan Contract indicates that any forced apply Fees such as insurances to include Flood Insurance are to be placed at the end of the loan allowing my Mortgage Payment to Never Rise. This Company took over the said load and demand me to pay over {$1200.00} they said it was for the demand of the flood insurance I never was required to maintain before. Nothing Changed. I demanded an legal Opinion from their Attorney 's to no avail over a year asking for the same request. They always send a break down of Forced Charges. This same company is involved with several other Banks and Mortgage and loan companies.. for taking kick back from Insurance companies to include the one they are forcing me to obtain insurance with on their behalf. My name is also included in this suit/ The mortgage company knows this and I feel they are refusing to follow their own rules with my previous Mortgage Company XXXX. Again the XXXX previous under the same contract never required or forced me to obtain Federal Flood insurance. Documents have been sent asking them to prove I needed extra Flood Insurance. XXXX and XXXX XXXX has indicated my property location is not or has no Flood Base Line documents or will not have until the State of Florida until l late 2017 They were advise of same. I feel we are being Discriminated against us because of the Current Law Suit among other things. We are XXXX XXXX and asked about Mortgage re financing to no avail we ever received and assistance. When I told the female on the phone she said she did not know how they could add the forced applied insurance to the back of the loan because they would always have to re calculate the figures. Seriously I said The computer always does that. She said She would have to check, so after a few days I call back and she said she had no clue what I was talking about but did remember my name. Closing I asked them to keep my mortgage showing in the credit history as the {$420.00} and not the XXXX because it raise my monthly causing issues when I have tried to get some loans. Normally only the Mortgage is showing because the insurance they are forcing me to purchase they made me have the Insurance company bill them so I had to call the Insurance company. They did obtain Flood Insurance from a company because no one would give me Flood Insurance at the government rates. So even thou they did help me get Flood Insurance against my will, Should have been billed separate as the regular insurance to keep my Credit History, No of the Insurance report the or my Credit status to any of the Credit Bureaus to the best of my knowledge. Also I ask to no avail why are they adding all these extra fees like Property Inspections {$30.00} when My Property Has never been inspected by any company. They have several thing they are charging us, like something called XXXX. On their invoice they have a area showing Optional Insurance they could show on their invoice for these forced insurance that I have several times tell them I disagree but paying under protest so they cant take our home for us. This all has caused a great deal of XXXX causing me to continue to have medical issues because this wrong, illegal, I have never been late to the best of my knowledge and asked why to they keep saying they are the collection agency. I do have copies of what I faxed them, They said the best way to contact them is to fax them and after I fax them the send me notice that I have a new Contact person, Go Figure No we are scared they may continue to Harassment us because of my complaint. I feel that they are doing all this in spite because of the Current Law Suit Closing even though they got me flood insurance that I asked to no avail to prove and yet to do so. I send them copies of both the State and XXXX stating our property has no basic Flood Zone for our property. Thanks so what say U

Company response to consumer: Closed with explanation