Date Received: 2017-07-12
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I am a XXXX Veteran who became late because of confusion from the VA dept. They suspend my payment by error, and I had no income. I became default on my mortgage. I was able to get everything corrected with the VA department and I now receive my full benefits again. I tried to apply for a modification because I resolved my hardship. Nationstar declined me because I make to much money? Unable to reduce the payment I have been told. I am trying to avoid a foreclosure.
I am a XXXX veteran on a fixed income. I was injured in XXXX XXXX and this is the only income I will have for the rest of my life. I was in the XXXX from XXXX - XXXX and I have fought in the XXXX XXXX. I am not trying to lower my payment. I am trying to save my home from a situation I could not control. I want to avoid a foreclosure or a bankruptcy.Company Response:
State: CA
Zip: 90044
Submitted Via: Web
Date Sent: 2017-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-12
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Nationstar took over my mortgage XX/XX/XXXX. I have a sale date for XX/XX/XXXX. My advocate, XXXX XXXX contacted Nationstar prior to the XXXX XXXX, and days and every week but they did n't have me on record yet to work with them. XXXX XXXX dated letter with loan specialist XXXX XXXX was received on XXXX XXXX. On XXXX XXXX XXXX XXXX filed application for short sale, ( I had to file bankruptcy since XXXX after 4 years as I thought we were at modification instead, notification of transfer soon after sale date ) modification application could n't be done until BK was dismissed. My BK was dismissed the end of XXXX and my advocate spoke to Nationstar XXXX XXXX for modification application and was told my mod app was closed on XXXX XXXX because it was opened on XXXX XXXX and no paperwork was presented. What? He was also told you ca n't have application for modification and one for short sale at the same time. So short sale application was stopped and I called XXXX XXXX for modification application by email and mail. Nationstar sent my loan specialist XXXX XXXX dated XXXX XXXX received XXXX XXXX. I mailed application in XXXX XXXX it was returned to me on XXXX XXXX with zip code incorrect. I had returned XXXX XXXX 's phone call missed on the XXXX and again the XXXX now to get her fax number to send application to her directly. Then 3 calls that XXXX because now I 'm in a panic because I received sale date for XXXX XXXX. Finally XXXX returned my call and I was told too late with sale date for modification or short sale. Also told she would present a buyer with escrow proof etc. Have my advocate call with their details and she 'll present it. He called a couple of times with the 24-48 to return your call and no return call at all. I had so hoped for the opportunity for a fair chance to modify. XXXX XXXX and their lawyers XXXX XXXX XXXX have tried to steal my home over originally less than {$3200.00} and their 5 % interest only mortgage. With lawyers and advocates, organization helping to save my house? XXXX adults together with income over $ XXXX./mo. My mom XXXX and I have been there since XXXX, XXXX. My daughter and their family since XXXX. Grandchildren are set in progress schools in specific districts. My second daughter with XXXX from XXXX XXXX in her home is back here last week, back in a XXXX after a year of improvement, since her rental has XXXX XXXX now. After returned checks, chapter XXXX we have tried desperately to intelligently save our home. I could n't rent a room with my credit now. I can not believe I ca n't get the chance for help from these programs. I 'm a spec in the ocean. So sad and unfair. The payments and monies I 've spent to have nothing paid on principle. The arrears with all the legal fees, a crime, but I still want stay in our home and pay for it!! We are good, honest people. We are NOT trying to con or not pay. We are trying to save our home!!!
Company Response:
State: NC
Zip: 28405
Submitted Via: Web
Date Sent: 2017-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-12
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Was in the middle of loan Mod when separated from husband and did n't find out that loan Mod was denied due to lack of documents submitted. I was not notified it was going back to foreclosure or that it was set for sheriffs sale on XX/XX/XXXX. I found out first week of XX/XX/XXXX from a neighbor. I called Nationstar and they said it was too late to do anything because was less than 30 days to sale. I asked them to send me the loan Docs they were using to foreclose because I never signed the loan. My husband did as my POA but I never signed a POA for him to be able to do that. They said there were too many pages in my loan ( which was a sub prime loan with a variable interest rate done in XX/XX/XXXX ) to send me those documents. The property was titled in an LLC ( XXXX XXXX ) which went bankrupt in XX/XX/XXXX. The loan note however was only in my name. They sold my home at sheriffs sale XX/XX/XXXX for {$220000.00}. I owed only {$210000.00}. according to Nationstar. It appraised at {$200000.00}. I have a child only a year off XXXX recovering from XXXX XXXX and I 'm losing sleep worrying about this and why I have n't been notified of the sale or why they will not return my calls.
Company Response:
State: OH
Zip: 45069
Submitted Via: Web
Date Sent: 2017-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-12
Issue: Loan payment wasn't credited to your account
Subissue:
Consumer Complaint: I gave the title company XXXX as per the hud1 attached. It was for payments ahead since the attorney (realtor) said I could pay ahead on the land contract since REC are paid ahead, but mortgages are always paid arrearages. However the payment did not go to the escrow company. I asked XXXX XXXX in a claim I made to XXXX XXXX about the money and she did not provide the copy of front and back of the check to me to provide to escrow because the attorney who did the purchase contract between me, XXXX XXXX XXXX and the sellers, XXXX XXXX and XXXX XXXX, mortgagors for the wrap around mortgage does not have it in the escrow company the two attorneys chose, XXXX XXXX. The attorney is confused and did a default letter because he was not present when the contract he did was explained to us by the title company escrow officer, since XXXX XXXX, and XXXX XXXX was the title company preferred vendor. Now the attorney says represents the seller, and I did not know that, I did not know I can contact an attorney, and I do not know if the buyer agent is then the title conpany HOwever, the seller is in default of the mortgage because says never got my payments from the title conpany and that is why he was late and now owes XXXXK to the bank and they are foreclosing and says he has been in hardship due to the missing XXXX a the title company Maybe the title conpay paid some other land contract? However, I paid and I am paid until XXXX and they are taking the house awy from me. The escrow conpay only has XXXX to offset the XXXX missing at the bank. Please help tracing back the $XXXX from title company that propelled the XXXX missing from the bank through escrow. thank you we want to keep our house I am a single mother of XXXX XXXX, XXXX, and with one XXXX kid. I got a substandard house i changed the ac, the heater, the water heater, repaird roof, floor windows and paid all months and only owe XXXX in my house. XXXX
Company Response:
State: NM
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-12
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I was dealing with my lender XXXX for a loan modification, I submitted my documentation only to find out they denied me. Instead of offering me the option to appeal they informed me my loan was being transferred to Nationstar. When my loan was transferred to Nationstar on XX/XX/XXXX it took them almost 2 weeks to get all the information imaged into their system, therefore leaving me no time to explore any options to foreclosure nor did they reach out to me for assistance. Now when speaking with Nationstar I am being informed that they are proceeding forward with the foreclosure sale on XX/XX/XXXX leaving me with 3 days to find a solution. They are refusing to review the documents because they state is is not 37 days before the sale, how am I supposed to get the documents and information when the loan was transferred after the time frame? Realistically, I would have not been able to get them the documents 37 days before because of when the loan was transferred anyways. They are just looking for an easy excuse to foreclosure but I will fight as I feel this is wrong and all my homeowner rights are being violated.
Company Response:
State: CA
Zip: 91910
Submitted Via: Web
Date Sent: 2017-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-12
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Applied for loan modification through NationStar mortgage. Application was denied on XX/XX/XXXX, 2017 due to negative disposable income. Appealed decision because my husband was able to find job with sustainable income. We also got rid of car loan and we have rental income now. NationStar sent a letter of denial. XXXX XXXX ( financial counselor at XXXX XXXX XXXX ) called NationStar and they stated that we already had an application under review which is why they were denying the appeal. They suggested to send a new application even though one was under review. XXXX submitted application on XX/XX/XXXX, 2017. On XX/XX/XXXX, 2017 we called NationStar and was told no documents were being requested and application is under review. On XX/XX/XXXX we received a sheriff sale notice for XX/XX/XXXX, 2017. We called NationStar and was told that no application was received. XXXX called NationStar on XX/XX/XXXX, 2017 and was told application was denied but representative could not give reason for denial. Case was escalated. XXXX called back on XX/XX/XXXX, 2017 and was told no application had been received and that 's why sheriff sale was scheduled. NationStar has received at least 3 applications. XXXX sent in another application on XX/XX/XXXX, 2017 and has not been posted as of XX/XX/XXXX, 2017.
Company Response:
State: MI
Zip: 49505
Submitted Via: Web
Date Sent: 2017-07-12
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: I asked to let me escrow my own mortgage and I got a abusing call back saying no within 7 hours when they said it would take 3 days. And I was called a stupid XXXX
Company Response:
State: CA
Zip: 95210
Submitted Via: Web
Date Sent: 2017-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-11
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: The Atty. at XXXX XXXX XXXX XXXX XXXX, refuses to call or write back to me up to this point. I have repeatedly called and texted him, and his associates..!! They forced me into signing an Illegal settlement agreement that I was total against, from the beginning..!! I was told that if I did not get it signed and notarized that the Lender would not help me and foreclose immediately.! They are claiming that they did n't receive any of my necessary paperwork.!! I have sent it to them twice already and faxed to the lender many times in the pass with no reply.. At this point I believe they have been paid off and can careless if I can get my loan mod. re-instated or restructured or not! which is not fair too my Family!! I have been television for this situation! and thought it was settled.!! THE XXXX XXXX XXXX XXXX.!! They are letting the clock run out on me, on purpose.. They wont tell me who to talk to at my lender..I have called the opposing counsel, the want respond to me.. my lender say they cant talk to me, because of the lawyers ...! If this is not resolved before my sale dated I will have to file a LAWSUIT ON BOTH MY LAWYER AND THE LENDER..BECAUSE I DONT HAVE A CHOICE..! CAN SOMEONE PLEASE SEND THIS TO BOTH XXXX XXXX/ OF XXXX XXXX CA .... NATIONSTAR MTG..OF TEXAS ...!!
Company Response:
State: CA
Zip: 90047
Submitted Via: Web
Date Sent: 2017-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-10
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: NationStar mortgage called me on X/XX/17 with an offer to refinance my ARM mortgage. Spoke to XXXX for over an hour inquiring in about the rates, terms, closing costs of the HARP eligible refinance. Based on conversation, it sounded like a good deal to move forward to so I agreed to have my credit pulled to continue further ; however, once that was done, the conversation felt very much as bait and switch ; each rate quoted was at the top end and the closing costs were double the original discussion AND for the first time Points were mentioned. Prior to this, for the full hour, there was no mention of points at all. When I called this out, as a bait and switch, XXXX went silent, tried to defend himself, and then ultimately hung up on me. Now my credit file has bit hit with a formal inquiry, I 've wasted time and it feels very much like a bait and switch, unfair and abusive act practice of this mortgage company that has had these type of problems already.
Company Response:
State: CA
Zip: 94549
Submitted Via: Web
Date Sent: 2017-07-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-10
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: We have on multiple occasions asked for a complete accounting on our loan, see previous complaints. We have hired 3 different companies in an effort to get a loan Mod and our mortgage company has never helped us. We were forced to file for bankruptcy to save our home, but the bankruptcy has put us in even further financial distress. We have made lump sum payments to our mortgage company of over {$100000.00} and our loan has only increased. When I look at our payment the money has been applied to " other '' and minimal amounts have actually been credited to principal, escrow or interest. Our interest rate changes are not calculated in a timely manner, and escrow charges do not make sense. I have not been able to get any assistance. Now, we face a sale on X/XX/17. XXXX, XXXX, XXXX is the Trustee, although we never received a new NOD and did not receive the notice of trustee sale in the mail. I also can not find any information on the site it stated I could find information. XXXX, XXXX, XXXX is listed as the lender on a different site where I did find information about our trustee sale. I am so confused by all of this, I do n't know where to turn.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-07-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A