Mr. Cooper
reviews and complaints

I am a victim of predatory lending practices. I bought my house in October 2003, and soon after Aurora Loan Services purchased my loan. A couple years later, I fell behind on my payments. Instead of working with me to lower my monthly payments, Aurora began charging me $200 more a month (to make up the difference from falling behind).

From [protected], I worked with them to lower my monthly payments again. After denying me several times, they finally agreed to work with me. They would charge me $1, 500 a month for two years and then my payments would go up to $1, 800 a month for the remainder of the 40-year loan. At that point, I had been living in my home for six years and I owed $10, 000 more on it than I originally bought it for. Making mortgage payments for six years had done nothing but put me into an upside down loan.

My husband lost his job in the fall of 2009 and we could no longer pay $1, 500 a month. Aurora refused to even talk to us about forbearance until my husband could find work. Instead, they immediately started the foreclosure process.

So long story short, our house is being foreclosed on. Aurora doesn't care about homeowners.

So glad to not be alone, yet I feel for others like us, having to work, deal with these people.
This first complaint is like many others.

Bought our home in March of 1999, we as lot of other Americans do, we refinanced. After a few more years we refinanced again, and the last time was approx. 4 years ago, right before this economy took a crap.

Our loan is through Fannie Mae, yet the servicer at that time was Flagstar.We had okay dealings with Flagstar, which we had to. Like a lot of us, we had to file for the Hardship Program. We got accepted. Our monthly mortgage was before the hardship was $2, 048.30 (OUCH) We had sent in all of our letters, our check stubs, all that was needed. We got accepted, for this hardship.

We had spoke to a lady by the name of Patricia L. very friendly, and really wanted to work with us. She got our payment down to $683.00 per month for three months, then we had to do this all over again yet we had gotten approved for another modification with Flagstar, basically another trial modification. We then filled out the paperwork and sent in all required papers to Flagstar for the Hamp program.

Okay, NOW, on the sixth payment, third payment of the second modification, Flagstar SOLD our loan to what we call """"""""""""""""""""""""""""""""""""""""""""""""""""""THE NIGHTMARE from HELL mortgage Company"""""""""""""""""""""""""""""""""""""""""""'""""""""""""""""""""""". """""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""NATIONSTAR""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""".

here now its time to pay our third installment of our second time around modification, and we receive a letter two days before its due saying they ""SOLD"" our loan to Nationstar... Having nothing but this paper saying we sold your loan to this Company..

NO account number, NO address, NOT even a phone number. We look them up on the internet, find this Nationstar, and they have NO information on us and NO information to give to us. We call Flagstar, they tell us; we have sold your loan, and you no longer have the account with us, and to contact Nationstar to find out where to send payment... (OOPS) payment is now late and we are now in default... Finally, after a few months, YES a FEW Months, we finally know where to send the money to, but its not the $683.00 its the full amount along with the months, we are now behind...

At this time, the ECONOMY, is really in the crapper, and Im not working, my husbands business has slowed down to a minimum and we are barely making ends meet. We cut back on everything, food, lights, clothes, gas, electricity, ETC. We're living sometimes off the means of our friends and family. (Thank you to Dave and Karen Wiley, Mr. Steven Hallsted and the others we were able to pay back)

At this point, Ive given up, thrown my arms up and said F*** it all... So my poor husband now is in charge of everything, bills, dealing with Nationstar, working and trying to provide for his family...

One day I over heard him talking to Nationstar (Chad) OMG-ness this boy/man/rude person on the other end couldn't be from our mortgage company. Well, it was. He was yelling and cursing at my husband putting him on speaker, then cracking jokes, like Are you on drugs Mr. B. finally after Chad hung up on my husband, thats when I decided I would take over the mortgage company. Not to say I was going to find someone nicer, or I would even be nicer, yet I needed to give my husband a break from the insanity of Nationstar.

On July 1st of this year, I took over. I have recordings of all I have spoke to, I have recordings of them after they ask me all the Pertinent Information, I ask for their name, they hang up on me. I have all the Dates, times, and how long these conversations or lack of conversations lasted. Either Ive recorded them or Ive written it down, down to the seconds on the phone with them...

Its now August 24, 2010 and now our dealing are with a lady/girl named Chizo ( Chizbo )~ LOSS MITIGATION REP~ . Some of their names I felt as though I was going into a cartoon. One I talked to was named: Pinkie, OO'kay whatever...
Three days ago she wanted us to send her $2, 048.30 and keep the money they had gotten from Flagstar $1, 376.70

No Modification, Chizo and I had gotten into a bit of a tado and I said I was going to call back. I called back around 2pm central, so about 5 minutes into a conversation I was put on hold by Justin, and Chizo got on the line. This was not looking good. she proceeded to tell me to hang up and call back, as she wasnt going to discuss my file due to she didnt have it on the screen. my replay " this is me calling back, I didnt ask to speak to you, just put me on hold and I will wait. Brian the Manager of these reps. supposedly got on and looked at my file and said our HAMP had been denied. REALLY? and what time did this happen, I asked, Brian replied, at 2:17pm Central. The next thing out of my mouth was, Uhmmm what a conundrum I just got put on hold with Chizo at 2:14pm and mow my HAMP had been denied? Chizo, whatever she did, she did wonders, he replied... Yes, she sure did, my response to him...

So now, our home is going up for auction on the 16th of September, 2010 at 9:30am

Chizo called today and told my husband we had to pay by the 26th of August $4, 098.60 and we have NO idea if we will get qualified, if not we just gambled our money away...

These people here at this Company, have lied to us.

1st lie made by Chad: We never received any type of paperwork, yet we have the fax sheet that says he received it all 31 pages

2nd lie made by Chad: telling us to send him $683.00 for what, we're still unsure. maybe he wanted us to pay his back child support, naw, now we know.

3rd lie made by Chizo: I really want to work with you to safe your home

4th lie made by Chizo: we need a contractual payment of $2, 048.30 by the 26th of August, (which) this lie runs into the lie that was today.

5th lie made by Chizo: We need $4, 098.60 by the 26th of August, 2010

So my friends, this has been OUR story dealing with ==============NATIONSTAR MORTGAGE===========

THE LONG AND SHORT OF IT, THEY DON'T WANT TO WORK WITH YOU. They will take your money and the Free Government money and DENY, DENY and DENY! Just waiting for housing prices to go up. we are the tenants, and caretakers of our homes, yet their not paying us to take care of them...

Did you know this: The HAMP program has only qualified 31% of the people.

The Government set aside 50 billion dollars, yet has only used 1.5 billion in a year and a half

For one, the banks don't want to do the paperwork, they take the money and collect interest on it, you know the FREE money the government has given them

Second: People are paying off their mortgages that aren't worth the value of their home. Ex: they are depleting their 401k's (if they have one), borrowing money (if someone has the money to loan them.)

Americans need to take a stand, call your congressman, write them letters, do whatever it takes to make them listen. Don't make any deals unless you know exactly what your getting. Take that last Stand, don't do upgrades to your home, thinking your going to get approved, cause the LOOONGG and short, the chance of you being that 31% who get approved, is slim to none. Good luck!

AS FOR NATIONSTAR, YOU CAN TAKE OUR HOME, AND MAKE IT YOURS... WE SURVIVED WITHOUT YOU FOR YEARS, AND WE WILL SURVIVE WITHOUT YOU AGAIN. Karma, is a Bit** so to all those folks that we spoke to at Nationstar, remember us in your dreams, because when its your time, you will be judged by the one and ONLY!

R. and P. Blakeley
You know us!

God Bless you and your family, may you reap in the sorrow you have caused so many!

I had good experience with nationstar and think they are ethical. My modification became permanent this week - what a blessing! Saves me $600. Per month and I can now stay in my house. It took a very long time to process, almost a year counting application process and trial period.

I had flagstar mortgage for my home loan. They sold my loan to nationstar the same year I applied for the "make homes affordable modification program" and I had to do paperwork all over again.

The waiting on fannie mae to sign final papers took couple of months. Nationstar has two different departments for regular loans and modification program and they don't communicate very well with each other, so I would get many recorded phone calls from the regular loan dept. Telling me my pymt was late, but every time I called to verify there were no problems the representatives were very nice and knew what they were talking about, and would reasssure me that things were going okay and to ignore the calls from the other dept. I felt they tried hard to get me into the program, and they followed up with whatever the gov't needed very quickly.

I'm writing because I had read alot of complaints and got very worried a few months ago, thinking I might be getting screwed.

I have tried for the last 2 years to remodify my loan with this company. They always take 4-6 months and then send me declination letter. Each reason for the decline is different. All they want to do is trial basis for 3 months but then they NEVER actually remodify my loan. This company is truly a rip off. They have forced me into forclosure and I am losing my home. No other choice.

My nightmare began in December 2009. Here is a summary of what has been going on:
November 15th 2009 I received a letter stating that State Farm was not going to renew my homeowners insurance, that I have had with them since 2003 and as of December 18th 2009 my insurance with them would be cancelled. Due to claims turned in due to several damages a tree limbs had cause to my roof over the last two years.

On November 30th 2009 I spoke with Justin at Allstate and started my house insurance with them. I was told that as of that day 11/30/2009 I was insured with Allstate and did receive a email showing I was insured as of that day. Justin said he would fax NationStar the information they needed showing I was insured with them.
At this point I was insured twice, since State Farm was not going to cancel my policy until 12/18/2009.
So on December 1st 2009 I called State Farm (which had already been paid for the month of December) and cancelled my insurance with them since I did not need to be insured twice. I did even receive a small refund later from them since I did have the coverage the full month.

Sometime around the first week of December 2009, I received a letter from NationStar stating that I had received a letter from State Farm that I was no longer going to insured with them as of 12/18/2009 and that if I was not insured by that time they would have to force place insurance on my home. Immediately called Justin my Allstate agent and told him. He assured me that he had faxed them the information needed to Nationstar on 11/30/2009 that day my coveage started and would re-fax said information.

I also called NationStar and spoke to one of the operators (as that is all you get) and explained to them that the house was in fact insured with Allstate as of 11/30/2009, gave the policy number and the phone number and Justin’s name. I was told that this would take care of the problem.

Several weeks later I received a letter from NationStar stating that they were force placing insurance on my home. I was very upset. I could not understand why this was happening. How could they be placing insurance on a home that was already fully insured. I once again called Justin my Allstate agent told him what I had received. He said he was going to fax and call NationStar to inform them that I was insured as of 11/30/2009 and give them the information (once again) that was needed.

In my statement after that my account was placed into escrow due to non-insurance on the house and the house now had homeowners insurance force placed by NationStar. When I was fully insured and there had never been a laspe.

Since December, 2009 until March, 2010 I have called (spoke with different people each time) no less then 6 times and so has Justin my Allstate agent, giving NationStar the information needed proving I had been insured and that there was NO lapse in my insurance what so ever. And that forced placed insurance should have never been placed.

In April, 2010 I spoke to someone at NationStar after still receiving statement showing I was still insured twice, once through NationStar and then with the insurance company that was forced place on my home.

This individual assured me that the matter was taken care of. This was direct from the insurance company which force placed insurance on the house. Once again, on that day my Allstate insurance agent spoke with the same person I did, assuring them that I had insurance with Allstate as November 30, 2009. And once again I thought everything was fine.

But since then I received my statement and I am still being charged for insurance that has been force placed. I have sent several letters to NationStar, with copies of my Allstate policy showing I was insured with them as of 11/30/2009 and have called several times.

My Allstate agent Justin, has called and faxed information to Nationstar showing we were insured with them since then and there was NO lapse in my insure. I have even mailed a copy from StateFarm showing I cancelled insurance with them only after being fully insured with Allstate.

On April 30th, 2010 I received a letter from a Eliot Robinson, Customer Care Specialist, from Nationstar, stating they their records indicate that Nationstar has received prooper evidence showing that there was no lapse in our insurance. And that they have taken their lender placed insurance off the account and add Allstate.

But as of July 16, 2010 this has NOT been done and I am still being charged for cost I should have NEVER been charged for. And since that letter in April, 2010, I have mailed and called as well as Allstate in regards to this matter but it is still not being taken care of.

On July 16, 2010 I spoke with a gentlemen that was very nice, I explained to him the problem, he then transferred me to someone in the escrow department that he felt would be able to fully take care of the matter for me.

I am not sure who that person was, as she would not give me her name. She was very rude and not helpful at all. She in piled that the amount I was wrongly charged for by them forcing insurance on my home would be up to me to pay. And then said she was not going to talk to me about this matter any more and hung up. I was not rude nor nasty to her.

An as of today 7/17/2010 I am told I am only sending in particle payments and that I am behind for the last two month. Which is not true. I have been sending in my 677.00 each month like always...NEVER missing a payment nor late since having the mortgage. But because of the forced placed insurance that should not have been placed in the first place, they are showing my to be behind.

As of today, July 19, 2010 the hell is still going on. I may have to hire an attorney to finally get this straghtened out.

My advise to you, save everything, record calls if you can, mail letters that have to be signed for, do what ever you can so if you have to go to court, you are prepared. This company is crooked and they are not going to give in.

Gmac sold my mortgage too, to nationstar in december 2008. Since then my life has been hell! I didnt even get notification that they had bought my loan until almost march 2009. I have been on the phone with someone for hours of my life that I will never get back. They did not have my correct address or name. I, like others, have struggled since the beginning with the issue of escrow insurance. They said I had a lapse in coverage when I was with gmac which was untrue and had provided the information to prove it from gmac and my insurance company to no avail. I am sitting here now looking for every address I can find to mail a packet demanding action or I will be finding an attorney in 30 days! I have paid every payment but do to their incompentance I have been forced to pay certified signed reciept every month!

Someone has to stop this company from harrasing paying people any further!

I am mailing my packets today and then lawsuit
Stephanie morris
[protected]@leeu. Edu

To anyone who is having issues with Nationstar Mortgage or by the above DBA-Names above, please contact me. I'm sure all of our stories are the same. This company is BAD. I've got my State Congressman and his office involved. I've got Nationstar Department Head's email addresses/phone numbers and all contact info. I have advice to all of you on what to do. Draft letters and send them. We are fighting them and won't give up.

1 year and 2 months now we have been in modification hell. Flagstar sold us out in our last month of the trial. Its been almost one year with Nationstar, then they pulled the usual...no paperwork, no this, no that, etc. and then came the foreclosure notice...that was a few weeks ago. The story is changing now, since I've sent out the letters and got my congressman involved, now Nationstar is calling us! Yes, we actually have a Rep, with a real phone number and a real email address! Amazing, I know. But what we did seemed to work. I would like to try and help all of you.

I have too much info to tell you in this board's format, so please email me if you would like my "free" advice on what we are doing. Perhaps if we all do the same thing they won't get away with it.

We've actually seen some movement in our dealings with them since I contacted some State Reps and Head's of Fannie Mae. We'll wait and see, of course, it can change overnight with Nationstar. However, I do think that I've got some tactics that may help some of you. You also need to send Nationstar a QWR letter. Be careful though, it needs to be worded CORRECT or they don't have to respond to it. There are some key words you need to include in order for it to legally stand up in court. You also send a CC to everyone on my list of names. I'll give you all copies of what I have and you can fill in your name/etc. and send out your own.

It's a start, and it does get their attention. Let's GANG UP ON THESE JERKS! Stand up and fight people! Or they WILL Take your home.

Next steps to follow...via email.

my email is: [protected]@techie.com

Feel free to contact me if you like. - don't worry, i'm not a weirdo and I'm not selling anything. I'm just sick of Nationstar's crap and I need more support to fight them.

Not Going Down In Oregon!

My name is michael adum, in may 2001 I bought my house in houston and my morgage company (Principal residential morgage) sold the debt to countrywide two years after, then I refinanced at same interest rate (7, 50%) but without the scrow, because I preffer pay it by myself, everthing was ok. But this company said I paid my school taxes on 2009 late. (Feb 5 2010) when it should be paid on or before jan 31, 2010. I sent this company a letter from the school tax collector telling them I never been delinquent but this people don ' t accept the letter, now they sent me a letter telling me I have not insurance, but I have it, and they have the information from my insurance company but they want to put me an insurance in my house, finnally what they want is, rise my morgage payment puting the scrow. I never been late in my morgage, taxes, insurance, and, besides because my age, 67 years old have a payment arrangement in my school taxes to pay it in quaterly installments, (Never late) , but no one of the almost twelve people I did talk in this company (Always answer a different person never the same I talked before) can do nothing as they said. This situation is bringing me sick i'm stressed and my wife too I have proof of this kind of harassemeent against an old person from this people. What can I do?

One when first getting the loan 11 yrs, I asked to have the realestate taxes and insurance in the monthly payment.
This was not done.
Two they would not put me on the loan, but however they took a cert bank ck from me.
Although we had ruff times and sometimes fell back on payments, I struggled to keep a float.
In sept I applied for a home mod and was told that the payments were to be 589 month, after the sept payment of 774. They request info and I faxed over several times and paid $ 35 I continously keep in contact with them, then in dec they told me we had to do the process over again. They did not resubmit it until feb then they call on may31, 2010 telling me they did not approve it and now we owe 8, 0000 and some odd dollars, and we need to pay
Now. Now we are faced with losing our home. How is this fair. Please anyone who can help please, I have 3 disable children

Last year, Flagstar sold my mortgage to NationStar. I had always made timely payments with Flagstar and I have excellent credit. Once NationStar got my mortgage, however, they immediately starting treating me like a deadbeat. They would call and harass me monthly about my payments--before the due date--and tell me to pay up immediately. They asked me for personal information but, since I couldn't verify they were who they said they were, I refused to give the information to them. When I sent my timely payments, they would hold the payments for several weeks--until it was past the due date. Then, they would cash the checks and charge me a late fee. While they were holding my check and pretending not to have it, they would call and call and call me. (I sent the checks directly through my online banking, so I could verify the date they were sent, so I know they had to have it.) Once, when I was on vacation and not answering my cell phone, they called non-stop, so I put a block on their number so it wouldn't ring through any more. The only way I was able to stop the harassment was to scrape together enough money to make two mortgage payments in one month, sent a few weeks apart. Now, since I pay them a month in advance, the harassment has stopped. However, most people can't do this and no one should have to go through that kind of treatment.

My next issue with NationStar is trying to refinance through the government's Make Home Affordable program. Supposedly I qualify, but they would not refinance my house despite my having enough income and excellent credit. Instead, after refusing to help me refinance, they sent me a letter "certifying" that I had "withdrawn" my loan request. I couldn't believe it! They aren't being honest about their refusal to participate in the government program.

The latest problem is with my homeowner's insurance. Flagstar had always paid my homeowner's insurance out of escrow in a timely manner. However, today my insurance company called to tell me that they had called Nationstar about my late payment (it was due on the 15th) and Nationstar had told them that I didn't have an escrow account with them, so that I needed to pay the insurance company directly. The insurance company told me that I need to pay them the year's amount immediately or they would cancel my insurance. I told them that NationStar is required to pay it from my escrow account, so I would call them about it. NationStar at first told me that my "condo association" paid my homeowner's insurance. I told them that this was false, that they were supposed to pay it as Flagstar had. Then they tried to tell me that I didn't have an escrow account with them because Flagstar hadn't told them about it. I pointed out that Nationstar had raised my mortgage payments last year because of an "escrow shortage, " so that this was blatantly false. I also pointed out that there were complaints all over the Internet about them doing this sort of thing to other people. I demanded that they pay my homeowner's insurance immediately. And, lo and behold, Nationstar was suddenly able to look up exactly who they should be paying and how much! Nationstar said that they would do "research" into the problem today and then "overnight" a check to the insurance company. I asked when they could expect to receive the check, since they were going to cancel my insurance soon. I finally got them to promise "next Tuesday at the latest." I also insisted that they write me a letter apologizing for their mistake and agreeing to pay my homeowner's insurance in a timely manner in the future. We shall see whether these things happen as promised. I have little faith in this company. They are unethical.

First, is there anyone out there who knows how or is willing to file a class action suit against this company?

In February I recieved a call from Nationstar tating I qualified for a HSA. I had never heard of it but it sounded good. I received the paperwork and called to verify the information. I was told the paperwork had the wrong figures and new paperwork was sent. I signed and returned it. I called to verify it had been recieved and was told there was a problem but no one could tell me what the problem was. Ater talking to numerous people I finally got someone who told me it was because I did not date the material. My fault and I accept responsibilty for it. I was also told the figures on the paperwork were incorrect and new papers with new figures were e-mailed to me. I got them and 'Fedexed' them back the same day.

I did not have another payment due until May 1. I made the payment. Suddenly on Monday, May 24, 2010, I got a letter stating I was in default and demanding over $4, 000. I tried to call but they were closed. I finally got someone on Tuesday and was told there was a problem with my paperwork. I asked what problem but no one could or would tell me what it was. I aksed why it took from February to May to find the problem. No one could answer that either. In addition to cancelling the program, they also tacked on late charges for the months they had deferred. On top of that they want the money by end of the month, which just happens to be a holiday.

They have tried to say Fannie Mae is responsible. I called Fannie Mae, I acted like I was out of my mind. They had no idea what I was talking about.

I have read numerous complaints regarding Nationstar saying one thing and doing another, cancelling programs without warning, and an assortment of unethical practices. Is there no one who can help with this? If we all band together I think we can fight these people and put a stop to some of this. Is anybody willing?

Like others my GMAC loan was sold off to NationStar. I have never been late one time, never had an escrow account. I always pay my own taxes and insurance, yet out of the blue they purchased an insurance policy and set up an escrow accout. When I refused to pay it, they began sending bad reports to the credit bureaus and tanked my credit score nearly 100 points. I did not give up and they finally cleaned everything up by the end of January 2010--after 6mos of harrassment. Guess what? In February it started up all over again with the same exact thing! This company is the most disgusting example of poor business practice I have seen. I am in the process of doing a re-fi just to get away from them.

I am not alone...! GMAC sold my mortgage to this company & I am not impressed. I was offered a loan modification, but after waiting months & not getting anything regarding the modification I called again & was told the original person "only documented" my "financials" on my account, but that did nothing more than make notes on my account. Meanwhile, all they say is to send as much money as possible to keep me out of foreclosure. They were sending people to my door, taking pictures of my property, & repeatedly leaving fliers offering me a modification (The same mod. I have been waiting and working on for almost a year) These type of calls went on every few weeks for months as I was strung along & they were in reality doing NOTHING !. I finally got a girl who said she would send a packet that I got 3 days later (thanks for MONTHS of lies & misinformation) After sending the documents & initial trial payment I still get late notices, fees, & calls. They took several more months to respond to the information I sent them for the modification. After calling repeatedly & being dropped from one dept. to another, all asking for the same info. given to previous rep's., I am still getting late notices, late fees, & phone calls from their collection dept. (although I have been making the "modified" payments). I get an attitude from rep's who tell me that I am now almost $8000 behind & they have not gotten a regular payment since January. Their paperwork said not to send a regular payment in addition to the modification payments, but still they show as if I haven't sent them anything since January 2010.
According to the monthly statements, that do not reflect any type of modification, I am still getting late fees etc. . I have been following their instructions, meeting their demands for info., paperwork, etc., trying not to lose my home... & I cannot help but to feel as if I am being led along to the slaughter (foreclosure). I cannot trust ANYTHING any of them tell me since they have already lied & the story will change with each person you speak to. Their hours of operation are a joke for a company of this nature, but that's another gripe...I can only hope they aren't just stringing us along to get as much money as possible before taking our homes...Best of luck to all of us trying not to lose our homes...

I have been trying four months for them to lower my mortgage. Under the hamp dept. I have given them all the infrmation they requested. Now they are sending to their underwriters, but one of the people in the dept. Just told me I wont get the modification. I make 654. In s, secutiy and my mother gives me 300. A month and my x huband has agreed to give my 600.00a month for the life of the loan. Our mortgage is 1000. Oo a month and I need it dropped down to at least to 500. Oo a month, now I am 3 months behind and dont know what to do, they keep telling me to wait but the longer I wait the mortgage falls behind. They wont call me back they wont tell me anything mean time im getting farther behind.

Nationstar mortgage offered us the home modification program even though we didn't necessarily need it. They pushed it as a way of reducing our interest and therefore payment amount. What a deal? Right? Not at all.
We followed their direction to a " T ", paid what they asked and on time. After waiting for about 9 months for the final loan modificaiton papers they suddenly deny us and say they are putting us into the foreclosure process ! ?

The loan modification contract says that if one is denied for the program that they will adjust one's monthly payment to include the difference to be paid over the length of one's loan. They are in breach of their own contract.

We have our lawyer working on this problem with us.

Nationstar is full of crooks! They are scamming everyone.
Do not take the bait of the loan modification program it is a scam to try to put false fees on a loan and foreclose on you so they can get out from under the loans that they have with their clients.

Beware

I have been tring to get the so called Obama bailout mortgage help since Mar 2009 I have been lied to given a different payment amount and even documatation to look as if I am being helped. But when it gets down to the wire Nationstar Mortgage Co pulles another one out of their hats I now have 3 mortgage payments and still have no modified loan. I couldnt even get them in the beginning to speak to me about a modification till I screamed on the phone "Than what is all this crap that president obama is saying he has made programs available for me" I was than told I said the magic word "obama" now they would help me. But low and behold that was another lie also I started a so called modification with a lower pymt in July of 2009 I was to make this pymt for 4 months than they would close up the final paper work and get the final papers in the 4th month. The 4th month comes no final papers I start calling told there just back logged just keep making the modified pymt someone would be in contact I call every month In late Dec 2009 I start getting calls from Nationstar that Im late on my payments I would inform them of what has all occur up to that point and they would say yes i see your still being reviewed mind you my 4 months was july aug sept oct and they still havent sent any final papers. I than ask to speak to the very first person that signed me up for modification {thank god I kept all names and ext to every one I talked to} This person says my initial paper work is missing documents he has me fax them i do i even go as far as also mailing them also. Awhile goes by I get another collector call that Im behind on my payment the same thing occours this time im transfered to the modification dept because the person calling has nothing to do with the modification depaartment. Im told by this dept everything is still in review and just keep making the modified pymt. Then I start reciving at the end of January Im missing documantaion and have so many days to call I immediatly call and Im told there is no missing docs it is with the underwriters I have recieved 3 of these letters the 3rd when comes on the day Im heading in for surgery. I call on my way to the hospital and I am Told the samething there is no missing docs it at the underwriters That very day they date and send out a letter saying I am denied because of missing docs. I am now back at square on I have called back and supposeable did have missing docs and since sent them via email and now waiting for that famous modification package to come in the mail guess what it still hasnt come I have been called by the collectors again and nationstar modification dept and still no paper work in the mail for me to get sent back ASAP as they have told me to do Where does one get help for the ones we are told that will help are frauds I guess what I thank our president?
If anyone can tell me how to get help please email me [protected]@gmail.com