Date Received: 2017-07-15
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Nationstar LN XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX An attempt was made to allow our client, XXXX XXXX, to complete a short sale. XXXX XXXX has attempted for YEARS to get a loan modification on his like illegally produced pay option arm loan ( please see attached brief dating back to XXXX illustrating the illegal nature of these types of predatory loans and their illegal use and lack of legal disclosure under State of California and Federal law ). It appears that for years Nationstar has required that XXXX XXXX resubmit documents over and over again only to lose them multiple times, and on at least 5 occasions demanding that he start over from scratch. It was also interesting to find out that the person whom XXXX XXXX was assigned to had only rarely returned his phone calls ( at the beginning of the loan mod process ) and then stopped speaking with him all together. Nationstars blatant disregard for FDCPA guidelines even drove XXXX XXXX to hire attorneys to help secure a loan modification with no avail. Recently, XXXX XXXX attempts to save his home were greeted with a denial and immediate Notice of Trustee action. I find this odd as Nationstar is still in the process of sorting out the illegal nature of XXXX XXXX loan with legal counsel. ( See attached document - XXXX XXXX loan has been declared ILLEGAL under California State Law. ) We further find it odd that Nationstar has refused to comply State and Federal law by refusing to speak with XXXX XXXX about other forms of loss mitigation if a loan modification would not work. Now, I know how Nationstar will portray this complaint. They will claim that everything we bring up is a lie but will offer no proof. They never do and I find it odd that they claim that the tens of thousands of CFPB complaints are all lies and that they are blameless for countless examples of loan and servicing fraud and malfeasance contained in not only the CFPBs files but the > 50,000 hits on XXXX when the term Nationstar Fraud is typed in ( apparently a vast conspiracy against Nationstar is taking place ).
What we would like to see happen : 1 ) Allow XXXX XXXX to at least do a short sale if you are now, after several years, declining him for a loan modification -- - the illegal nature of his loan should at least afford him that. 2 ) Postpone the current foreclosure auction set forXX/XX/XXXX 3 ) Start complying with federal guidelines for loan modification processing -- - we continually hear the same complaints over and over again about lost paper work, phone calls not returned, incomplete work, etc. etc. 4 ) Start complying with State and Federal laws. If the homeowner cant qualify for a loan modification, give them alternatives that are actually realistic ( NOT DEED IN LIEUs as we both know you DO NOT DO them in California. Especially when there are second trust deeds involved ). I know that this will likely fall on deaf ears as Nationstars goal has never been to actually service their clients loans in a legal are ethical nature ( Nationstar is the only lender that we currently deal with that our clients that are current on their mortgages actually refinance for the sole purpose of getting away from your Company and their ill-mannered and questionable demeanor and servicing tactics ). I realize that by changing your name to XXXX XXXX that you believe that the internet and the general public will not remember the ills of your past, I am here to tell you that until you figure out how to actually service mortgages in a legal manner this will never happen. I look forward to your response.Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-14
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: 1. NationStar Mortgage maintains that the XXXX or XXXX was not submitted by me before XX/XX/XXXX. 2. NationStar mortgage admits that they had a completed application by XX/XX/XXXX. 3. But how can they have a completed application when the XXXX or XXXX was never submitted. 4. The reason NationStar mortgage had a completed application without the XXXX or the XXXX is because it was not applicable to me, because the household contributor or myself had any taxable income. 5. I am requesting that NationStar mortgage provide me with the XXXX or XXXX where me or the household contributor signed.
6. Again Nationstar Mortgage is maintaining that they had a completed application on XX/XX/XXXX but how? If the XXXX was never turned in by the household contributor or myself?Company Response:
State: OK
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-14
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: The servicer continued the foreclose process while requesting documents, and processing a submission for a loan modification in violation of Dodd-Frank Wall Street Reform and Consumer Protection Act ( Dodd-Frank Act ). Documents were uploaded to NationStar at XXXXXXXXXXXX see exhibits A, B, and C. The company never ceased the court proceedings and advanced a foreclosure while telling me I was in the running for a loan modification. ( See Exhibit D ) I have also requested additional documentation from the company that assisted me with the modification.
Company Response:
State: MD
Zip: 20746
Submitted Via: Web
Date Sent: 2017-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-13
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Nationstar mortgage servicing company has placed a real estate tax escrow on this account and refuses to remove it even though the owner has paid the taxes herself. They are treating the account as being in arrears and holding the P & I payments in suspense account and treating those as in arrears also. There are no Taxes due and the city has stated that all payments ( 2of them ) by the mortgagee will be returned to the mortgagee. In spite of numerous tel. calls, during one of which the agent of Nationstar gave me deliberately false info. and after four letters detailing this, they still refuse to rectify this and record the payments properly and remove the escrow. This is now damaging the owner 's credit by showing up as late payments and arrearages.The letters are dated : XXXX XXXX ; XXXX XXXX ; XXXX ; and XXXX XXXX all of 2017. The phone calls were in between with the false info. coming in the phone call on XXXX XXXX.
Company Response:
State: MA
Zip: 01902
Submitted Via: Web
Date Sent: 2017-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-13
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: Upon trying to sell my house, it was found out that my payoff amount was higher than thought ... .Nationstar mortgage ( loan # XXXX ) shows an interset bearing principle balance of XXXX XXXX and a non interest bearing principle of {$79000.00} ( attached ) ... .Nationstar cant tell me what this {$79000.00} is and doesnt have any documents to provide..They told me to call XXXX XXXX ( loan # XXXX ) whom they purchased the loan from in XX/XX/XXXX ... XXXX cant seem to find out where this amount comes from ... when asked to provide proof of this with documents, they have not done so ... They sent what looks like an amortization schedule.. ( attached ) ..PHH took over the loan from XXXX XXXX ( loan # XXXX ) in XX/XX/XXXX ... I had a loan modification with XXXX ( attached ) and a loan modification with XXXX in XX/XX/XXXX, which I have no documents and XXXX hasnt sent ... .The problem is my total payoff with Nationstar is {$250000.00} and my loan originated at {$250000.00} in XX/XX/XXXX when I bought the house 10 years ago, and XXXX cant come up with proof or documents and neither can Nationstar, about this extra $ XXXX..Please note, when talking with XXXX, XXXX with litigation department, cut in and said XXXX doesnt service the loan anymore and can not give me documents
Company Response:
State: CA
Zip: 92544
Submitted Via: Web
Date Sent: 2017-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-14
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I had a foreclosure sale date scheduled for XX/XX/XXXX, 2017. I have Loan Modification with my servicer NATIONSTAR MORTGAGE, LLC and they have violated my CALIFORNIA HOMEOWNERS BILL OF RIGHTS including SECTION 362 ( A ) OF THE BANKRUPTCY CODE. Hi, my name is XXXX XXXX and I 'm having a very hard time dealing and working with my servicer NATIONSTAR MORTGAGE, LLC. I have mailed and faxed over all documents for a loan modification but they still proceeded with the foreclosure sale scheduled for XX/XX/2017.. I 've been trying with them for a long time. Couples days ago I woke up in the morning and saw that there is a sign stuck into the ground of my property from a real estate agent company saying that the home is For Sale. I was really shocked to see this. We contacted the real estate agent XXXX XXXX ( XXXX # XXXX ) with XXXX XXXX XXXX Team Partner with XXXX XXXX in XXXX, CA. I asked him why he put up a For Sale sign on my property he replied saying that he listed the property for sale. When I attempted to ask him more question about it he said dont worry about it, its none of your concern. I explained to him that im under an active Federal Bankruptcy he replied saying I dont care not my problem. I requested him to stop all these transaction under the Section 362 ( a ) of the Bankruptcy code and remove the home from listing and remove the signs he denied. XXXX XXXX ( XXXX # XXXX ) with The XXXX XXXX Team Partner with XXXX XXXX are in violation of SECTION 362 ( A ) OF THE BANKRUPTCY CODE : Section 362 of the Bankruptcy code requires all collection efforts to cease immediately upon the filing of a voluntary or involuntary bankruptcy petition. Section 362 ( a ) of the Bankruptcy Code provides that the filing of a bankruptcy petition operates as a stay against the following activities : ( 1 ) the commencement or continuation, including the issuance or employment of process, of a judicial, administrative, or other action or proceeding against the debtor that was or could have been commenced before the commencement of the case under this title, or to recover a claim against the debtor that arose before the commencement of the case under this title ; ( 2 ) the enforcement, against the debtor or against property of the estate, of a judgment obtained before the commencement of the case under this title ; ( 3 ) any act to obtain possession of property of the estate or of property from the estate or to exercise control over property of the estate ; ( 4 ) any act to create, perfect, or enforce any lien against property of the estate ; ( 5 ) any act to create, perfect, or enforce against property of the debtor any lien to the extent that such lien secures a claim that arose before the commencement of the case under this title ; ( 6 ) any act to collect, assess, or recover a claim against the debtor that arose before the commencement of the case under this title ; ( 7 ) the setoff of any debt owing to the debtor that arose before the commencement of the case under this title against any claim against the debtor ; and ( 8 ) the commencement or continuation of a proceeding before the United States.
Company Response:
State: CA
Zip: 95765
Submitted Via: Web
Date Sent: 2017-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-13
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: XX/XX/XXXX XXXX XXXX notified me that my credit report had been adversely impacted. In looking closer at my report, the reason for the negative impact is only due to numerous inquires. I reviewed the inquiries and I noticed that my mortgage company, Nationstar, had run XXXX separate inquiries last Fall when I refinanced my primary residence. See below : NATIONSTAR MORTGAGE via XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Inquiry Type : Authorized Permissible Purpose : CREDIT TRANSACTION Requested On : XX/XX/XXXX, XX/XX/XXXX and NATIONSTAR MORTGAGE via XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Inquiry Type : Authorized Permissible Purpose : CREDIT TRANSACTION Requested On : XX/XX/XXXX I reached out to XXXX and was informed that they could submit a request of deletion but only under the direction from Nationstar. I left a vm with Nationstar on XX/XX/XXXX and on XX/XX/XXXX a social media analyst ( contact info below ) called me to obtain some further information. I e-mailed her my complete credit report and the fax number XXXX had given to me to provide to Nationstar so this could be rectified. XX/XX/XXXX - XXXX called me to inform me that Nationstar would not be sending any letter of deletion due to the need to run both hard and soft credit inquiries. I asked for something in writing be sent to my e-mail and she indicated that she could n't grant that request and that it would be a legal issue. I have spoken with XXXX XXXX, as XXXX advised was my next step, and they informed me that all the inquiries are 'hard '. XXXX XXXX also informed me that they could n't delete transactions unless the creditor directed this action. In addition to not authorizing ( not being informed that multiple checks would need to be run and could negatively impact credit ), I feel that any mortgage company that operates under this practice borders on unethical considering a negative credit report can thus tie a consumer to one mortgage company. If there is no regulation on multiple inquiries what is to stop a creditor from damaging a consumer 's credit enough so a consumer can not shop a better rate?
Representative from Nationstar : XXXX XXXX XXXX Media Analyst II, XXXX XXXX Nationstar Mortgage Office : ( XXXX ) XXXX Fax : ( XXXX ) XXXXCompany Response:
State: PA
Zip: 19380
Submitted Via: Web
Date Sent: 2017-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-13
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I have been attempting to obtain a loan modification for years. Recently, there was a sale put on my home which I had the sheriff push out two weeks twice as they will only push out the date for two weeks. However, Nationstar will not budge needing 37 days before the sale to review my request. I had submitted a complete application several times now and it is not getting reviewed.
. We purchased this property almost 38 years ago in XXXX of XXXX . I always worked hard and was able to pay our mortgage and obligations on time. We originated this loan in XXXX of XXXX increasing our debt so we could make necessary repairs to the home and some upgrades. We fell behind in XXXX of XXXX after we had depleted our savings for months for legal and attorney fees for our son. Because of his legal issues, we have full custody of our granddaughter. Also, his wife and XXXX children had to move in with us having nowhere to go. Our monthly expenses tripled not only food but all utilities. From all the stress over the past 4 years, I have had ongoing medical issues with XXXX , XXXX , XXXX XXXX XXXX & XXXX XXXX . I see doctors on a regular basis. All the copayments and monthly prescriptions have added to my increase in expenses as well. Our property value was estimated at {$230000.00} and at this point with the arrears owed from XX/XX/XXXX , we owe close to {$440000.00} but please understand, we are now a family of XXXX living in this home and have all been through XXXX and back. After being here almost 38 years, to move would be devastating. We wish nothing more than to keep this home we love and need so much.Company Response:
State: NJ
Zip: 080XX
Submitted Via: Web
Date Sent: 2017-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-13
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: Hello My name is XXXX XXXX BOD XXXXXX/XX/XXXX XXXX XX/XX/XXXX My family and I were trying to obtain a Mortgage and were denied because of information that is not true on my credit report. XXXX XXXX XXXX XXXX XXXX has information of an eviction : XX/XX/XXXX record number XXXX File number XXXX XX/XX/XXXX:XX/XX/XXXX : XX/XX/XXXX : XX/XX/XXXX : XX/XX/XXXX : XX/XX/XXXX civil DISMISSAL with no money or balance owed XXXX XXXX XXXX XXXX XXXX this company does not exist but is on my credit.
I have even called XXXX XXXX County XX/XX/XXXX XXXX XXXX XXXX and XXXX XXXX XXXX General District Courts XXXX XXXX XXXX and the Attorney General office stated there are no balance and these items should not be on my credit report. These allegations and judgements are lessing our chances of obtaining financing to purchase a home. as we all know how hard times are to buy a home in this day and age. These records were obtain by XXXX XXXX # application XXXXXX/XX/XXXX XXXX : XXXXCompany Response:
State: MD
Zip: 20906
Submitted Via: Web
Date Sent: 2017-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-12
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Since 2014 my impound account began increasing, sometimes the amount would increase 2 or 3 times a year, which could not be due to taxes or insurance which are annual events. I made a large payment to cover what they claimed was a short fall, but this continues each year- Even though there is a reduction in both my insurance and property tax! Ive made several attempts since that time to speak to someone but their telephone system seems to be anti-customer ; each representative operating anonymously, unable to give their full name, supervisor or department head name, customers are set up to fail when these anonymous reps are enviably unable to answer question. They say they transfer you and process begins again, most time coming to the department you began with.
Company Response:
State: CA
Zip: 90746
Submitted Via: Web
Date Sent: 2017-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A