Date Received: 2017-07-27
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Hello, With my current mortgage company back in XX/XX/XXXX when they took over from my previous company. It was a rough start, the property is in Texas and I live in Michigan, the old company knew my michigan address and it 's all over he paperwork, and I had the auto payment option activated. The new company took over and communicated with me via Texas address knowing that I do n't live there, that continued until XX/XX/XXXX when I figured that and called them just to find a threat of pay or foreclosure, I asked for statement, address, routing info ... etc When received the statement it contained about {$1200.00} in repair fees, I was with work in XXXX, TX since XX/XX/XXXX visited the property at least once a week and I am the one who cut the grass and water the trees, I never seen them or any notice or letter, anyways they refused to waive the XXXX however they reduced it. while I was in the process of discussing the charges with them someone came and broke into my house, and stole tons of my goods, then put a lock on the door with password, apparently that was the mortgage company. They cried for hours and claimed this is a third party then waived part of the charges. Now I asked for my new insurance company for more than a year and did n't get it until I went on XXXX and created a scene then their rep was more than happy to assist. This year, deja vu same thing happened more than a thousand dollars charges for repairs, more than half of it for cutting grass!!!! They failed to pay my taxes on time to the county from my escrow ( granted I kept an eye and reminded them 5 times to pay it ), then they added the late fees ( more than XXXX dollars ) to my charges. I called them in XX/XX/XXXX to inform them that I am unemployed and need to fill the appropriate forms and see what I can do, that was followed by several calls and nothing is done, again I only got it when I created another scene on XXXX early this month. This is a small snap shot on what they did excluding all the uncalled for derogatory and racial comments I heard during they ugly process. I need help, I am helpless and had no say when this brutal company took over.
Company Response:
State: MI
Zip: 48126
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: Hi my name is XXXX XXXX and I have been trying to obtain a loan modification for the last two years with NationStar Mortgage and have gotten the run around every time, i have been denied however I never know the reason. I do believe my Homeowners Bill of Rights have been violated and my lender is engaging in dual tracking with my property. Additionally I do believe i am the victim of predatory lending and XXXX discrimination. I have done everything with in my power to try to make my mortgage payments
Company Response:
State: CA
Zip: 902XX
Submitted Via: Web
Date Sent: 2017-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-26
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: To CFPB Case Manager, I have applied to refinance my mortgage with NationStar Mortgage, In early XXXX. I have supplied NationStar Mortgage with all of the necessary documentation to qualify for a refinance. NationStar mortgage has proceeded to put my house in a Foreclosure status, even after I propagated all of the necessary documents, which view that I meet their standards to refinance the property, i.e., XXXX XXXX XXXX, XXXX, MD XXXX. NationStar are breaking all of the government regulations, which protect consumers from large entities such as they, who take advantage of the elder and consumers. I would like to keep my house, which my XXXX adolescence children currently reside. NationStar has proceeded to Foreclosure on the property, which I purchased on XX/XX/XXXX. As a consumer I know that NationStar are discriminating against I. I would be more than gracious if the CFPB would assist me and keeping my house, which I and my XXXX adolescence children currently reside. I believe that I 'm experiencing, i.e., Red-Lining from NationStar Mortgage. Mortgage # XXXX Property : XXXX XXXX XXXX, XXXX, MD XXXX Thank You, XXXX XXXX XXXX ( Mobile ) XXXX
Company Response:
State: MD
Zip: 20603
Submitted Via: Web
Date Sent: 2017-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-25
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: Our current mortgage ( XXXX ) was sold to servicer, Nationstar. Nationstar sent us an inquiry as to a refinance. I called back and we began process of a refinance. Rate at 3.875 for 240 months, consolidating what we owed on house ( XXXX ) plus a 2nd ( XXXX ). Home appraisal was XXXX. Despite reaching out to lender numerous times, very little information was given, except to be finally be told that our 2016 tax returns indicated we could n't afford obligations. We have not even done our 2016 returns as we file extensions each year. My credit rating was XXXX and my husbands 's was XXXX. We have no automobile payments ( paid in full ), no late payments on any accounts, don credit card debt ( pay it off monthly ) and have XXXX sitting in our checking account alone and savings in other accounts as well. After contacting Nationstar about their lack of communication on how the loan process was going, I was given a non committal answer and then received a credit denial letter in mail 10 days later. Primary reasons according to letter were : Exessive obligations in relation to income. I have ZERO debt. NOTHING, excluding mortgage and I work full time. Reasons for denying my husband were that balance to limit on bank or rev accounts to high. He owes XXXX on one account. Nationstar then said we owed on another property and that was a problem. WE SOLD that property six months ago. I feel that Nationstar is operating only to grant loans to high risk/high interest rate customers-SUB PRIME. There is NO way we should have been denied this refinance based on our income and what we owed on property and credit.
Company Response:
State: CA
Zip: 92008
Submitted Via: Web
Date Sent: 2017-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-25
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: I am attempting to FHA streamline refinance with Nationstar Mortgage NMLS # XXXX. They have changed the terms of the mortgage 4 times and fees etc stringing me along telling me it 's been approved or is pending final approval or must be finally re-approved. It does not seem like they are acting properly. Here is a recent email exchange, I sent a message saying " I have signed your third change of terms for the loan. If you try this a fourth time I will not be happy. ". They replied with a message saying " we had to make an adjustment to the rate, we had to lower the rate from 4.75 to 4.50 %, this is the adjustment that we have to do again today, because the 4.75 % rate does not benefit you. ". Yesterday they told me the 5 % rate does not benefit me so they had to lower it to 4.75 %. All I wanted to do mainly was remove my in-laws as co-signers and close the loan. Will this ever end?
Company Response:
State: KY
Zip: 41071
Submitted Via: Web
Date Sent: 2017-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-25
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: An Original Mortgage done in XX/XX/XXXX h as been CANCEL LED XX/XX/XXXX . A load mo dification has been done on this mort gage XX/XX/XXXX for a greater amount of sums included. I bear NO signature to this loan modification, as well as I was not aware of this being done, as I no longer resided at this address. Nationstar Mortgag e / XXXX XXXX XXXX did a loan modification on this and did not contact me in doing so. This is now on my Credit Report and I need the full amount of this unpaid balance taken off my credit. I did not sign or preform any act of modifying this mortgage. The amount is false and untrue of me owing. Once again, I bear no signature allowing this amount to be modified in my name. I need the amount of Mortgage shown on my credit removed.
Company Response:
State: FL
Zip: 32703
Submitted Via: Web
Date Sent: 2017-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-25
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Nationstar manipulated my property into foreclosure by continuing to purposely advise me to submit for a loan modification knowing upon the first submission, my loan did not qualify. This deliberate action has forced be to file for bankruptcy to stop any further foreclosure action. My loan was previously modified with XXXX prior to its transfer to Nationstar in XX/XX/XXXX. I was experiencing a temporary financial setback and not able to pay the $ XXXX monthly payment in full. I could only make partial but steady payments. I immediately notified Nationstar. A 90 Day Right to Cure Letter was included in the Uniform Borrowers Packet dated XX/XX/XXXX requiring {$3500.00} to cover XXXX and XXXX due by XX/XX/XXXX to avoid foreclosure. XXXX applied a total of {$5500.00} in payments from XX/XX/XXXX to XX/XX/XXXX, which paid the account up till XX/XX/XXXX leaving a balance of {$260.00}. When Nationstar began servicing the loan, a payment in the amount of {$500.00} was processed on XX/XX/XXXX and a payment in the amount of {$1300.00} was processed on XX/XX/XXXX. These payments should have paid the account up to XXXX with a {$310.00} balance, which technically cured the default. My first denial was on XX/XX/XXXX. Then I received a refund check onXX/XX/XXXX for {$760.00} with no explanation. When my payments were no longer being accepted, I called Nationstar. I was informed my property was in the foreclosure process. This is also when the new XXXX XXXX Flex Modification was mentioned and I was encouraged to submit a borrowers packet to be reviewed. A few days later came the attorney letter. After researching, I discovered Nationstar returned only the {$500.00} payment along with the {$260.00} balance. I received a call from Nationstar in XXXX advising me I was now eligible for the Flex Modification, my account was now 8 months in arrears. I received the 6th denial letter and was advised no options available but a deed in lieu, short sale or self sale. I was forced to file for bankruptcy.
Company Response:
State: MA
Zip: 02151
Submitted Via: Web
Date Sent: 2017-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-25
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: My loan was modified and I made three payments as requested but then the loan was transferred and foreclosure action started. i applied two more times, they denied it without any reason why denied. they sent me no documents indicating the reasons. I engaged a lawyer to protect our interest. My lawyer got an extension and NationStar Mortgage promised that they will send documents for modification. They never did even though my repeated calling. Their answer was that they do n't have enough time for modification.
Company Response:
State: CA
Zip: 94806
Submitted Via: Web
Date Sent: 2017-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-24
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My XX/XX/XXXX house payment went up {$900.00} without my prior knowledge. Literally the day before I was set to make the payment, XX/XX/XXXX, my husband got an automated call about the account, although, nothing specific was stated. 5 days after the payment is technically due. Turns out the escrow account was empty because Nationstar gave us back the money in the escrow account and lowered the payment by {$400.00} one year ago. After doing their escrow analysis in XX/XX/XXXX, which was n't much of an analysis, considering we had lived in the house 9 months, they did n't take into account the fact that it was a new purchase and the taxes were going to increase. I had already paid the supplemental tax in XX/XX/XXXX of over {$4000.00}. If I had any clue that it was a mistake I would have called but I thought that perhaps they had collected too much when we closed our loan in XX/XX/XXXX because so much money is taken from you, honestly. Nationstar ended up paying the increased taxes ( {$5900.00} split ) in XX/XX/XXXX and XX/XX/XXXX but did n't tell me that the escrow account was severely depleted. Now I have to borrow the money to replenish that escrow account otherwise the new payment would be a burden. Any time they could have told me. I realize I could have looked at the statements but everything is done online and it 's very user friendly, very simple to pay without looking at the statement. I had no reason to believe I needed to double check anything. No one called, no one emailed, there were no alerts on the account. Also when I spoke to them over a week ago they told me they were going to send it to an escrow research dept. I just spoke with them and there 's no record of that. What kind of way to do business is this? I did n't know, but they should have known and could have been, at the very least, courteous enough to let us know, instead of dropping it on us like a XXXX. Badly done Nationstar or XXXX XXXX.
Company Response:
State: CA
Zip: 90620
Submitted Via: Web
Date Sent: 2017-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-24
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Nationstar mortgage is in violation of breach of contract. Both the note and deed of trust states no acceleration
Company Response:
State: CA
Zip: 92683
Submitted Via: Web
Date Sent: 2017-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A