Date Received: 2017-07-31
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Nationstar Mortgage has denied my modification twice. The last time in XXXX 2017. DENIAL REASON: NEGATIVE DISPOSABLE INCOME. I have attended two sessions with two separate HUD approved counseling agencies, both of which reviewed my budget. The last budget done ( today ) by the second HUD approved, non-profit agency shows {$500.00} SURPLUS at the end of the month even after paying my mortgage payments. I do not have negative disposable income, therefore the denial reason is invalid.
Company Response:
State: NC
Zip: 28681
Submitted Via: Web
Date Sent: 2017-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-31
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: My name is XXXX XXXX XXXX I 'm filing this Complaint against my FHA Approved lender NationStar Mortgage LLC, XXXX XXXX XXXX XXXX, XXXX TX XXXX, Loan # XXXX. My Property Address is XXXX XXXX XXXX XXXX, XXXX Ill, XXXX. My contact info is Phone # XXXX XXXX, E-Mail is XXXXXXXXXXXX. Since XX/XX/XXXX I HAVE BEEN SERVE FOR CLOSER PAPER ON MY HOME 3 TIMES ( THE 3rd BEING ON XX/XX/XXXX ) BY THE LENDER. THE FIRST WAS BACK IN XX/XX/XXXX IT WAS DISMISS WHEN I DID AS THEY ASK PAID THEM {$10000.00} DOLLAR AND FILE FOR A LOAN MODIFICATION. WHEN I DID N'T HEARD ANYTHING FROM THEM I WROTE THEM A QUALIFIED WRITTEN REQUEST LETTER, THEY ACKNOWLEDGE RECEIPT OF THE LETTER AND STATED THEY WOULD RESPONSE WITHIN 30 DAYS.BUT I NEVER GOT ONE. INSTEAD THEY FILE ANOTHER FORECLOSURE IN XX/XX/XXXX. SO I HIRE A MORTGAGE BROKER WHO STATED HE COULD GET ONE FOR ME IN FOUR MONTHS. TWO MONTH PASS AND STILL NOTHING WAS HAPPENING SO I FIRE THE BROKER AND HIRE A LAWYER ( XXXX XXXX XXXX LLC- ON XX/XX/XXXX ). THEY WORK WITH ME ON OBTAINING A LOAN MODIFICATION AND MY FORECLOSURE ISSUE WITH THE LENDER. WE OBTAIN A TRIAL MODIFICATION IN XX/XX/XXXX BUT THERE WAS A CATCH. THEY WANTED MY EX -- WIFE SIGNATURE ON THE DOCUMENT .I DO N'T KNOW WHAT HAPPEN BUT THEY ACCEPT THE TRIAL MODIFICATION ( WITH JUST MY SIGNATURE ) AND MY PAYMENT AND ISSUE ME A FINAL MODIFICATION IN XX/XX/XXXX,. BUT AGAIN THE ISSUE OF MY EX SIGNATURE CAME INTO PLAY AGAIN. BECAUSE I COULD NOT GET A NOTARY TO SIGN OFF ON THE MODIFICATION. I CONTACT NATIONSTAR AND STATED THEY WOULD SEND ONE OUT WHO COULD VALIDATE THE MODIFICATION. WE CHOSE XX/XX/XXXX MY NEXT COURT APPEARANCE IN XXXX COURT ON THE FORECLOSURE ISSUE ( SEE COURT TRANSCRIPT ) THE NOTARY STATED WHEN QUESTION BY THE JUDGE WOULD THERE BE ANY PROBLEMS. THE NOTARY REPLY, NO. SO LONG AS I SIGN THE PAPER AND MAKE THE STATED PAYMENT NATIONSTAR WOULD APPROVE IT. I SIGN THE PAPER AND HE CROSS OUT HER NAME OFF THE DOCUMENT. ( HE TOOK COPY OF BOTH OUR ID AND ATTACH THEM TO THE FINAL MODIFICATION .. ON XX/XX/XXXX THE FORECLOSES CASE WAS DISMISS ( SEE COURT ORDER ) .IN XX/XX/XXXX I RECEIVE A NOTICE FROM NATIONSTAR STATING I MUST PAY {$45000.00} IN ADDITION TO ANY OTHER AMOUNTS THAT BECOME DUE FROM THE DATE OF THIS LETTER. ( SEE ATTACHMENT ). ALSO MY MODIFICATION PAYMENT FOR XX/XX/XXXX WAS SEND BACK TO THE BANK WITHOUT A REASON WHY.. NOW I DO N'T KNOW IF THE THIRD QUALIFIED WRITTEN REQUEST LETTER I SEND THEM ON XX/XX/XXXX ( SEE ATTACHMENT ) CAUSE THIS ACTION BUT ALL PAYMENT SEND THEM SINCE XX/XX/XXXX, HAVE BEEN SEND BACK AFTER ALL PAYMENT BEFORE WAS ACCEPTED. ( SEE ATTACHMENT ) THERE RESPONDED TO THE QUALIFIED WRITTEN REQUEST LETTER WAS RECEIVE IN XX/XX/XXXX, BUT THEY DID NOT ADDRESS ANY OF THE QUESTION I ASK ( SEE ATTACHMENT ). SO I CALL NATIONSTAR AND SPOKE TO A XXXX XXXX XXXX ( XXXX XXXX XXXX ) WHO STATED HE DID NOT KNOW WHY MY QUESTION WERE NOT ANSWERS BUT HE WOULD SEND IT TO THE NEXT LEVEL AND I SHOULD GET A RESPOND FROM NATIONSTAR IN 2 DAYS.AFTER A WEEKS WENT BY WITH NO CALLBACK I CALL NATIONSTAR XXXX AND XXXX XXXX WAS UNAVAILABLE, SO I SPOKE TO SOMEONE ELSE WHO STATED HE COULD NOT SPEAK FOR XXXX XXXX I WOULD HAVE TO TALK WITH HIM. SO I REPEATEDLY CALL HIS NUMBER, LEFT MESSAGE AFTER WHICH I GOT A VOICE MAIL MESSAGE ( I 'LL WILL RETURN YOUR CALL IN 24 HR. ) BUT I HAVE YET GOTTEN A CALL SO ON XX/XX/XXXX I FILE A COMPLAINT WITH HUD WHO STATED THEY WOULD RESPOND IN 2 DAYS ( THAT NEVER HAPPEN SEE ATTACHMENT ) ON XX/XX/XXXX I SPOKE TO XXXX XXXX MY PREVIOUS CONTACT AT HUD. SHE SAID THERE NOT MUCH HUD CAN DO IT A REQUIREMENT THAT THE EX WIFE SIGN THE MODIFICATION. UNLESS YOU AND THE LENDER HAVE WORK OUT A DIFFERENT AGREEMENT. ( WHICH I DID BACK IN XX/XX/XXXX IN COURT ), RIGHT NOW YOUR OPTION ARE LIMITED YOU GOING TO HAVE TO FILE A BK IF YOU WANT TO SAVE YOUR HOME THE MODIFICATION PROGRAM END IN XX/XX/XXXX AND IT TOOK THIS LONG FOR YOU TO GET ONE I DO N'T THINK YOU WILL GET ONE IN FIVE MONTHS..SO NOW I MUST HIRE A BK ATTORNEY, MAINTAIN THE FORECLOSE R ATTORNEY, AND THE OTHER WHILE I GET THE DOCUMENT NEED IT TOGETHER TO FILE A CHAPTER XXXX BK. IT SEEM THAT MY ACTION CONTINUE TO COST ME MORE TIME AND MONEY THEN WHAT I THOUGHT. WAS IT THE RIGHT THING TO DO I CA N'T ANSWER THAT. BUT I DO KNOW IT ALL A GAME AND I DO N'T LIKE BEING TOLD I 'M WASTING BOTH AND GETTING NOWHERE. SO IF I HAVE TO FILE A CHAPTER XXXX I WILL. BUT AS SOON AS I 'M ABLE I WILL FILE A LAWSUIT IN FEDERAL COURT AGAINST NATIONSTAR FOR BREACH OF CONTRACT IN REGARD TO THE FINAL MODIFICATION AND THE PAYMENT THEY ACCEPTED
Company Response:
State: IL
Zip: 60148
Submitted Via: Web
Date Sent: 2017-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-28
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: XX/XX/XXXX I purchased my current home from the HOA for XXXX. I moved into the home XX/XX/XXXX. There were code violation that we manually fixed. In XX/XX/XXXX I attempted to put my home on the market and when doing the title search and trying to find what the payoff truly was it lead us to XXXX XXXX that has stated they do not have any info on this house. There were no letters being sent showing the current mortgage company attempting to collect. No foreclosure or default notices from XX/XX/XXXX all the way to XX/XX/XXXX and before I bought the house it was sitting vacant for a year. Somehow the realtor I was working with found that Nationstar Mortgage was servicing the loan since the original company XXXX XXXX had shut down in XX/XX/XXXX. The last assignment shown was XXXX XXXX. After talking to Nationstar we found out there were not any payments made since the origination of the loan in XX/XX/XXXX. I decided not to sale seeing the profit was not gon na be what I had planned. After this nationstar tried to collect from the previous owner since the loan was still in his name though I had deed on the house. the bottom line is they trying to foreclose on my home without proper proof of validation of a real instrument of Debt. They are acting on behalf of XXXX XXXX that has nothing to do with my home. I sent a letter for proof of a real debt. They responded to me saying they received my correspondence and will respond by XX/XX/XXXX. The sale date for auction on my home is XX/XX/XXXX. This matter is not cleared up and still being investigated. I am confused how they can sale my home without proper proof and while it is still being investigated.
Company Response:
State: NC
Zip: 28214
Submitted Via: Web
Date Sent: 2017-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-27
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: In XX/XX/XXXX we applied for a load modification through Nationstar mortgage. In XX/XX/XXXX I received paperwork from XXXX County with notice of a sheriff sale. Around XX/XX/XXXX I called Nationstar and spoke with XXXX XXXX to find out what we could do to resolve. He stated that since we did n't complete the modification paperwork after the trial period the sheriff sale would move forward. The only way to avoid would be to provide a payment of approx. {$25000.00} to bring everything current. We never received the paperwork he was referencing and additionally I was unaware of anything that needed to be completed. I thought since we made all payments on time and in full during the trial period that things moved forward as normal. On XX/XX/XXXX XXXX XXXX from XXXX XXXX XXXX of XXXX County and I called XXXX XXXX ( formerly Nationstar ) and spoke with XXXX regarding the situation looking for advise on how to resolve. When we informed XXXX that I had not received the paperwork she provided us with the tracking number, stating the paperwork was sent on XX/XX/XXXX and XXXX delivered to our home on XX/XX/XXXX ( XXXX XXXX XXXX and XXXX XXXX XXXX ). However, when we input the tracking numbers into the XXXX portal the first only notates that it was delivered to 'XXXX ' no specific address and the second states 'In transit '. As of XX/XX/XXXX XXXX has escalated the issue at XXXX XXXX to see if we are able to resurrect the modification due to lack of communication. However, we are very close to the sheriff sale date now.
Company Response:
State: MN
Zip: 55420
Submitted Via: Web
Date Sent: 2017-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-27
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: This account is showing up on my XXXX report as negative. Also it is showing up a a foreclosure. This needs to be corrected with NationStar and XXXX. Please alert them of this reporting negative on my XXXX report. All other agencies have corrected it.
Company Response:
State: TN
Zip: 37415
Submitted Via: Web
Date Sent: 2017-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-27
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I asked for a modification for my home and they are now wanting to foreclosed on my home with fraudulent documents. I 'm only 4 months behind on my payments.due to a hardship I sent them a QWR and a proof of claim and they have not answered any of my questions. They are attempting to foreclosure on me with fraudulent documents when the mortgage lender is out of business. Please help me. I want my home and I want to stay In in my home. The alleged trust that they deposited loan was outside cuttiff date for the PSA. I have revoked the poa that was filed in the rea estate division of XXXX county.
Company Response:
State: GA
Zip: 30106
Submitted Via: Web
Date Sent: 2017-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-27
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Nationstar Mortgage purchased my loan from the now defunct XXXX XXXX. On XX/XX/XXXXI made my scheduled payment through autopay with my checking account to XXXX. XXXX did not send me notice that this transaction had taken place. When Nationstar Mortgage called me in XX/XX/XXXX they stated that I was behind two payments one from XXXX and one from XXXX and that XXXX payment was now due. They demanded payment for three months. I told them at that time that I had made my regularly scheduled payment to XXXX XXXX and that I have never made a late payment. They told me very specifically that I would need to talk to XXXX about that and that it was not their responsibility to handle that. I called XXXX that day and they stated that my account was no longer with them and they refused to talk to me. I called back Nationstar Mortgage and they stated " That is not true, I have never heard of anyone saying that '' So I called XXXX back and was able to find that they would in fact forward over XXXX and XXXX Payments to Nationstar. I called Nationstar back and told them what XXXX said and they stated at that time, that if that was the case, that I should make my regular scheduled payment and once that comes in they will credit my account and fees. This process could take some time so if by next two payments it was not resolved to call back. On XX/XX/XXXX, I noticed that the XX/XX/XXXX payment had gone through but not the XXXX payment. So I called Nationstar again and they said they only received the one payment and that I need to call XXXX back. I called XXXX and recording stated they are no longer servicing loans and sent me straight to voicemail.I left XXXX a message.I called Nationstar back and they stated that I could open a Research Request with them by faxing my proof of payment to the Mortgage Research Department for processing. On XX/XX/XXXX, I faxed the research department bank statement with proof of payment for XXXX and XX/XX/XXXX and requested review. They never at that time stated how long this review process would take. OnXX/XX/XXXX, XXXX finally responded to my voicemail left XX/XX/XXXX stating " The payment in questions was accepted and applied on XX/XX/XXXX prior to transfer at XXXX XXXX. Funds were posted to suspense, not as a payment. Upon transfer, the suspense balance on the loan was {$2600.00}. Nationstar received these funds and funds should have been applied towards your loan. '' On XX/XX/XXXX, I called to check the status of my research request with Nationstar. They stated there was no research request submitted and that I need to submit one by faxing the same number I did before. I faxed over the proof of payment for XXXX and XX/XX/XXXX again, as well as the email from XXXX stating they sent and Nationstar received my missing payment. Also, on this day I stated that I would pay the payment that they lost today because the continued lack of action on their part had a negatively affected my credit report and they were accruing late fees for the payments that they lost during the transaction. I also asked them to open two additional research requests one to waive any and all late fees as I was not at fault. And another to have the tradeline on my credit report corrected to reflect that I in fact made my payments as scheduled. They said that they would do that. On XX/XX/XXXX, I resent the proof of payment for XXXX and XXXX of XXXX again, as well as the email from XXXX stating they sent and Nationstar received my missing payment. On XX/XX/XXXX, I called Nationstar to check the status of my research request.They stated that only one of the research request went in associated to the fax I sent on XX/XX/XXXX. By this point there should have been five requested dating back to XX/XX/XXXX. 4 of those never happened according to Nationstar. Nationstar stated that research request was ID # XXXX. They also stated that they found the XX/XX/XXXX payment in suspense and that because my account was up to date ( save for the late fees ) that they would apply that payment to XXXX payment for XXXX and that for XX/XX/XXXX I would only need to make a payment of {$38.00} to make up the difference since the payment had increased between now and then. I authorized that payment and the application of the missing XX/XX/XXXX payment to XX/XX/XXXX. I was told that I would not make a payment in the month of XX/XX/XXXX due to this correction.They said that is what was done. And that this was in no way my fault and that they would open a research request to waive the late fees associated to this and request a correction for my credit report to show paid as agreed for every month since they purchased my loan. That research request was ID # XXXX. OnXX/XX/XXXX, I was notified that the credit bureaus were reporting still a 60 day late in XX/XX/XXXX which was not true and that I was in fact at this point 60 days late right now. On XX/XX/XXXX, I called Nationstar to check the status of my research request for the credit report corrections that I requested. I was told that they could not correct the late payment status even though XXXX showed that the missing payment was held in suspense and I was not at fault. I asked them to check XXXX to see if that request had a status and that maybe the correction was in that request. They informed me that XXXX was in fact my issue but filed under the wrong loan number and was not processed. They stated that they would put the information from XXXX into XXXX and resubmit expedited. I then asked why they reported to the credit bureaus that I was 60 days late on my loan now when I was current? They stated that they would not do anything about that and I would need to talk to the credit bureaus. I stated that I know this is n't true and that they could make the corrections to my tradeline. He told me they could not do that only the credit bureaus can do that. I asked to talk to his manager he refused. I also stated that not only was I not behind in my payment that in fact I was now ahead one payment according to the conversation on XX/XX/XXXX. He said that is not the case and the XX/XX/XXXX payment was never found and that it was late and I would have to call back tomorrow.
Company Response:
State: CA
Zip: 95377
Submitted Via: Web
Date Sent: 2017-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-27
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: XXXX and XXXX are showing that my past Mortgage with NationStar is showing XXXX days late and a pending foreclosure. I closed on this loan several months ago and it was never late and there is not a foreclosure pending. Please contact NationStar and XXXX and XXXX. My credit score is coming up as a XXXX and this has made it drop over a hundred points. I am refinancing my other mortgage and this is how I found out. I will not be able to refinance until this has been done. These reports with XXXX, XXXX and XXXX needs to state that the past mortgage with NationStar has been paid 100 % and was never late. Also, fix and update the foreclosure warning.
Company Response:
State: TN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-07-27
Company Response to Consumer: Closed with explanation
Timely Response: No
Consumer Disputed: N/A
Date Received: 2017-07-28
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Nationstar mortgage is not applying payments automatically to our " amount due ''. Rather, they are treating certain electronic payments as 'principal payments ' or essentially bonus payments leaving us with a late fee and an unpaid bill. This is beyond absurd. We made our monthly required payment and it should *automatically* go towards our amount due. Had we neglected to look at our monthly statement we would have missed the fact that we incurred an {$80.00} late fee. *****One ca n't help but wonder how many unsuspecting customers of nationstar are being hit with such fees unbeknownst to them. I encourage your agency to look into this matter further.
Company Response:
State: NJ
Zip: 070XX
Submitted Via: Web
Date Sent: 2017-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-27
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I have tried for several years to modify or short sale with no cooperation from the mortgage company.
Company Response:
State: CA
Zip: 91765
Submitted Via: Web
Date Sent: 2017-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A