NATIONSTAR MORTGAGE LLC


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"Products" offered by NATIONSTAR MORTGAGE LLC with at least one, but usually more complaints:

Bank account or service - Checking account
Bank account or service - Other bank product/service
Checking or savings account - Other banking product or service
Consumer Loan - Installment loan
Consumer Loan - Personal line of credit
Credit reporting -
Credit reporting, credit repair services, or other personal consumer reports - Credit reporting
Credit reporting, credit repair services, or other personal consumer reports - Other personal consumer report
Debt collection - I do not know
Debt collection - Mortgage
Debt collection - Mortgage debt
Debt collection - Non-federal student loan
Debt collection - Other (i.e. phone, health club, etc.)
Debt collection - Other debt
Money transfer, virtual currency, or money service - Domestic (US) money transfer
Money transfers - Domestic (US) money transfer
Mortgage - Conventional adjustable mortgage (ARM)
Mortgage - Conventional fixed mortgage
Mortgage - Conventional home mortgage
Mortgage - FHA mortgage
Mortgage - Home equity loan or line of credit
Mortgage - Home equity loan or line of credit (HELOC)
Mortgage - Other mortgage
Mortgage - Other type of mortgage
Mortgage - Reverse mortgage
Mortgage - Second mortgage
Mortgage - VA mortgage
Other financial service - Money order
Payday loan, title loan, or personal loan - Personal line of credit
Payday loan, title loan, or personal loan - Title loan
Student loan - Private student loan
Vehicle loan or lease - Lease

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Complaint ID: 2653131

Date Received: 2017-08-29

Issue: Struggling to pay mortgage

Subissue:

Consumer Complaint: XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX NATIONSTAR/XXXX. XXXX XXXX # XXXX We need immediate assistance with our XXXX XXXX property loan. XXXX XXXX XXXX XXXX is the investor of the property and XXXX XXXX is the servicer for the loan. Our property has a domestic water well and the water is unsafe to drink. The significant and very serious water contaminations in the aquifers that serve our water well include : Lead Hexavalent Chromium ( documented in the movie entitled XXXX XXXX ) and Arsenic. These chemicals are listed on the CA Proposition 65 List of Contaminants that Cause Cancer or Reproductive Harm. Serial testing of the water well by a CA Certified Laboratory defined the contamination to be steady-state as we were informed by the US EPA. There is no filtration system that can reduce these high levels down to potable safe drinking water levels. Our home is now defined* as : HAZARDOUS TOXIC CONTAMINATED UNINHABITABLE POLLUTED NON-POTABLE WATER BLIGHTED AND A NUISANCE ( *as defined by the CA List of Contaminants Proposition 65 State of CA, EPA Office of Environmental Health Hazard Assessment ( OEHHA ) Safe Drinking Water and Toxic Enforcement Act of 1986, Chemical Known to the State to Cause Cancer or Reproductive Toxicity, the CA Water Code Section 13050-13051, OEHHA Health and Safety Code Section 25249.6 and the CA Department of Consumer Affairs ) This well is the only source of water for the property. We have provided evidence based factual documentation of the contaminations, yet, this loan servicer has continually indicated there is no documentation of the contaminations in our file. We can only assume our correspondence has been continually lost, misfiled or shredded. When we have provided written documentation with evidence based facts that their correspondence has erroneous facts stated in the letter/s, the corrections to the file have never been corrected by Nationstar/XXXX. XXXX. XX/XX/XXXX : We received Enclosure 1 from Nationstar directing us to contact the City of XXXX with any questions we have with our water. This information is false and misleading as the City of XXXX water systems have nothing to do with our property. The letter is also fraught with errors and omissions that we have sent corrections to the file/record that has not been amended. We were informed that Nationstar/XXXX. XXXX has no contamination department and they are thus unable to help us with this loan. XX/XX/XXXX : Our XXXX County Supervisor provided a letter to Nationstar dated XX/XX/XXXX( Enclosure 2 ) documenting our property is contaminated, does not receive City of XXXX XXXX XXXX and does not receive City of XXXX potable water. Our Supervisor further clarified that there are no current of future plans for the City of XXXX to pipe potable water to our property. XX/XX/XXXX : We received a letter ( datedXX/XX/XXXX ) ( Enclosure 3 ). The letter is fraught with errors and omissions including this false statement : However, in XX/XX/XXXX, our research found that the issue had been resolved by the City of XXXX having rerouted utilities to provide non-contaminated water XX/XX/XXXX : I requested to Nationstar outsource the loan to a servicer that does have a contamination department to help us. We did not request for our loan to be transferred to a servicer who has no department or loan products for our property. They refused to transfer the loan. I provided a letter from the City of XXXX dated XX/XX/XXXX ( Enclosure 4 ) to Nationstar that documents Nationstars statement research, and conclusions are false. XX/XX/XXXX : Enclosure 5 was sent to our representative at Nationstar/XXXX. XXXX for review yet we have not received a response. It is my impression that there are active efforts by Nationstar to provide an erroneous document paper trail and sell our property at auctionXX/XX/XXXX without disclosure of the property contaminations. This is a public health issue first and foremost. These contaminations define the property as HAZARDOUS TOXIC CONTAMINATED UNINHABITABLE POLLUTED NON-POTABLE WATER BLIGHTED AND A NUISANCE. XX/XX/XXXX : Because this servicer has no loan product for our property, we are being forced to foreclose, short sale or pay the cost of the house as though it is not contaminated when it is contaminated. Nationstar/XXXX. XXXX agreed to consider a short sale of the property ; a short sale real estate signed agreement from a CA Licensed Realtor was emailed to the representative. A purchase offer was emailed to him by the realtor XX/XX/XXXX ; we wish to short sale because it will be less of a derogatory mark on our credit score than a foreclosure. The Natoinstar/XXXX. XXXX representative promised to email our attorney and me XX/XX/XXXX. This did not happen. We learned later this afternoon the short sale process is denied for us to utilize ; the sale of our home is scheduled for XXXX XX/XX/XXXX. The asking price of the property is XXXX XXXX dollars without disclosure of the toxic contaminations that preclude any buyer from safely drinking the water, showering, tooth brushing, etc. Bottom Line : We have provided to this servicer the CA State Water Board information regarding the contaminations including : Nitrate contamination causes methemoglemia in babies ( blue baby syndrome ) and is unsafe for babies, children or pregnant women. Lead, Hexavalent Chromium and Arsenic are listed on the CA Proposition 65 List of Chemicals that cause cancer and reproductive harm Please see Enclosures 6 -15. It is my impression and understanding that Nationstar/XXXX. XXXX is choosing to ignore the public health problems associated with this property and they plan to sell the property XX/XX/XXXXwithout disclosure of the contaminations for financial gain.

Company Response:

State: CA

Zip: 95616

Submitted Via: Web

Date Sent: 2017-08-29

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 2653129

Date Received: 2017-08-29

Issue: Trouble during payment process

Subissue:

Consumer Complaint: During the transfer of servicing the Insurance loss payee was not updated. I have had a loss and the check was issued to the previous servicer. Nationstar rep XXXX it was my responsibility to notify my insurance company.

Company Response:

State: LA

Zip: 70817

Submitted Via: Web

Date Sent: 2017-08-29

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 2652840

Date Received: 2017-08-28

Issue: Trouble during payment process

Subissue:

Consumer Complaint: Purchase home inXX/XX/XXXX. First lien for XXXX. Undisclosed party practiced fraud by foreclosing inXX/XX/XXXX using second lien for XXXX foreclosed on same day the second funded. I discovered this XXXX months ago based on my investigation. third party XXXX XXXX never recorded or notified me. Undisclosed third party threw me out of my home on XX/XX/XXXX. currently in appeals process, disregarded my Quiet title actin Lis pendins, I have solid proof I was not in arrears. I discovered my house was not in the XXXX featured in unenforceable assignment. I discovered they used second line placed it into XXXX holdings in XXXX in XX/XX/XXXX. I know that they lost the ability to foreclose based on time statute. I made all my payments to XXXX XXXX XXXX and can prove that once they sold paper to Nationstar, in XX/XX/XXXX I was doomed regardless of my proven performance making my payments. they deliberately failed to apply my payments. I can prove the payments were sent to investors to deliberately put me into a artificial arrears. they stole my personal property, office and car. I have become sad despondent. lost hope in the system I once coveted, trusted in Please give me hope that this means something. Thank you very much. XXXX XXXX XXXX XXXX XXXX

Company Response:

State: CA

Zip: 94523

Submitted Via: Web

Date Sent: 2017-08-28

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 2652733

Date Received: 2017-08-28

Issue: Problem with a credit reporting company's investigation into an existing problem

Subissue: Investigation took more than 30 days

Consumer Complaint: I have disputed the fact that I was never late and there is not a pending foreclosure. My XXXX report has dropped nearly 30 points because of this. I did in Lieu of Deed. NationStar paid XXXX off. They are stating that the account was late and a charge off. They were paid and the account was not a charge off and there is not an impending foreclosure. Please correct with XXXX, XXXX and XXXX. There were no late payments either. I need this information corrected on my reports immediately.

Company Response:

State: TN

Zip: 374XX

Submitted Via: Web

Date Sent: 2017-08-28

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 2652363

Date Received: 2017-08-28

Issue: Incorrect information on your report

Subissue: Public record information inaccurate

Consumer Complaint: Nationstar Mortgage did not apply funds properly in XX/XX/XXXXholding funds in a suspense account when they should have freed them to cover a payment. This started the recording on the Verification of Mortgage to state 30 day delinquent for several months afterward. Once the following months payment was received they would count the payment still holding extra funds in a suspense account. In XXXXXX/XX/XXXX Nationstar finally realized and discovered their mistake in the payment history, made the account current and actually sent me the extra funds that were held in suspense, {$3300.00}. more than a months payment. I wanted to refinance on an FHA loan and have a lender that would do so. Without the VOM reporting correctly, I can not qualify to refinance. This is costing me thousands of dollars! I have reported this 6 times and nothing is being corrected to the VOM. Still stuck

Company Response:

State: UT

Zip: 840XX

Submitted Via: Web

Date Sent: 2017-08-28

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 2652261

Date Received: 2017-08-28

Issue: Incorrect information on your report

Subissue: Information is missing that should be on the report

Consumer Complaint: XXXX does not report two of my mortgages-both of which are open and current. I have filed 3 disputes trying to correct the problem and get the same results each time. My most recent disputes were filedXX/XX/XXXX ( one for each mortgage company ). I received a response from XXXX XXXX stating that they resolved one issue and that the account is closed. And the other mortgage they can not find so it is not reporting. I 've contacted both mortgages who say they are reporting to XXXX each month. I would like the history corrected for both mortgages.

Company Response:

State: NV

Zip: 89139

Submitted Via: Web

Date Sent: 2017-08-28

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 2651645

Date Received: 2017-08-27

Issue: Communication tactics

Subissue: Frequent or repeated calls

Consumer Complaint: Nationstar refused to discuss information on a short sale contract I was approved on to purchase.from them. Contract date XXXX/XXXX/XXXX to expire on XXXX/XXXX/XXXX. I requested an extension to close on XXXX/XXXX/XXXX because of extensive damages to the property from XXXX/XXXX/XXXX til XXXX/XXXX/XXXX. I was told they cancelled the offer because of the request. It states in my contract with the seller about damages when going to close. They refused to consider two contractors estimates of water intrusion and black mold clean up. The home is not habitable, It is rat and mice infested, cat and dog poop and urine everywhere, cat hair everywhere. Nationstar refused to talk to me even after they cancelled my contract. please help!

Company Response:

State: OH

Zip: 44004

Submitted Via: Web

Date Sent: 2017-08-27

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 2651316

Date Received: 2017-08-26

Issue: Trouble during payment process

Subissue:

Consumer Complaint: This is related to complaint # XXXX. I am helping my father and mother with this complaint. Upon speaking with my Dad when I returned from a business trip, he told an appraiser " strong armed " him into allowing him to appraise his condo. They represented Champion Mortgage. My Dad also told me Champion Mortgage had called and harassed him about going to the tax collectors office and providing proof he paid his taxes. The taxes have been paid for the year and my dad referred them to the XXXX XXXX records. This company continues to harass my parents, threaten them and they still not credited his account back for erroneously force placing an exorbitant amount of flood insurance wrongly, as outlined in the previous complaint.

Company Response:

State: FL

Zip: 33308

Submitted Via: Web

Date Sent: 2017-08-26

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 2651092

Date Received: 2017-08-25

Issue: Trouble during payment process

Subissue:

Consumer Complaint: XXXX sold my loan to Nationstar Mortgage recently. I received a letter ( paper ) with the new, pertinent information ( e.g. new loan number, instructions for setting up an online account etc ). When I went to the directed URL online to setup the online account - I was, very surprisingly, redirected to a NEW website called XXXX XXXX. On this new website there is NO mention of ANY affiliation to Nationstar Mortgage. Having worked in computer security for over 20 years - I was very suspicious of this website - again, as there was no mention of the affiliation to Nationstar ( a best practice in these situations ). I proceeded to setup the account - entering the new Loan number and last-4 SSN. It then took me to a page requesting my COMPLETE SSN. Again - this is HIGHLY suspicious behavior and a favorite trick of scammers/phising/social engineering hackers. Not being comfortable at all with providing this highly sensitive information - I called the number listed in the letter - and explained my concerns. They told me the only way to get an account setup was online - and I MUST enter my SSN. I find the handling of this entire process - from notification - to website redirection w/ no explanation to the requirement for online submission of my SSN - to be unacceptible - and more importantly promoting a VERY bad practice of training users to randomly enter their SSN into un-explained web sites. I am requested that this process/company be reviewed and guidance given to them to allow alternative forms of account setup and verificaiton ( namely Phone )

Company Response:

State: TN

Zip: 372XX

Submitted Via: Web

Date Sent: 2017-08-25

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 2650901

Date Received: 2017-08-25

Issue: Struggling to pay mortgage

Subissue:

Consumer Complaint: To Whom It May Concern, we have been fighting Nationstar Mortgage LLC, hereafter referred to as Nationstar, for the better part of the past 2 years. We adamantly dispute who Nationstar claims is the beneficiary of our debt obligation. We have written Nationstar many times in regards to the ownership of our alleged debt and to date they have not addressed our concerns and questions. Because of Nationstar 's refusal to comply with our requests, we are filing this Complaint. The entity Nationstar claims is the owner of our alleged debt is The XXXX XXXX XXXX XXXX XXXX as Indenture Trustee for Nationstar Home Equity Loan Trust XXXX. We dispute this information because this alleged transfer occurred when the debt was in default. We understand that pursuant to the FDCPA, when an assignee obtains a debt while it is in foreclosure, it is a debt collector and not a creditor. Based on this fact, we believe Nationstar is falsely representing the character of the alleged debt in violation of the FDCPA. This information needs to be addressed prior to Nationstar participating in any non-judicial action. We presently have a foreclosure date set for Tuesday, XXXX XXXX, 2017. We understand that under the Fair Debt Collection Practices Act, hereafter referred to as FDCPA, 15 U.S.C. Section 1692f ( 6 ), Nationstar is a " debt collector '' because they are attempting to enforce a security interest in which they have no legal authority or right. As a " debt collector '' without legal authority or rights they can not proceed with a non-judicial action against our property pursuant to 15 U.S.C. Section 1692f ( 6 ). Under the FDCPA, a debt collect may not use unfair or unconscionable means to collect or attempt to collect a debt and more specifically they may not take or threaten to possess or disable property when they have no enforceable right to the property. We are filing this complaint because we are beyond frustration and anger that Nationstar is taking this action against us without legal right and authority. We believe if we do not file a Complaint, they will continue to blatantly disregard the law and fraudulently and wrongfully foreclose on our home.

Company Response:

State: CA

Zip: 92880

Submitted Via: Web

Date Sent: 2017-08-25

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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