Date Received: 2017-07-10
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: My name is XXXX XXXX XXXX, and I am the daughter of XXXX XXXX XXXX. I am the executrix of her estate. My mother opened a reverse mortgage on XX/XX/XXXX through a company named XXXX XXXX XXXX XXXX XXXX. A loan that should have been voided after it was brought to the attention of the lender she was mentally incompetent as ruled by the courts of New Jersey. However, they continued to prey on her. Once the loan had been completed, it was then turned over to XXXX XXXX XXXX. According to XXXX XXXX XXXX, my mother was given a lump sum of money for her home. I investigated it when I was named my mother 's legal guardian in XX/XX/XXXX after she was diagnosed with XXXX. I presented all needed documentation to allow XXXX XXXX XXXX to speak with me ; it was not acknowledged. I requested proof of this payment - It was never supplied. I confirmed with other banks my mother dealt with ( during the period ) no such amount was ever transferred into any of her accounts. Even with the courts demanding answers and contacting the company themselves - they refused to speak to me and would only talk to my mother.
We were repeatedly told to forward all legal information to the legal department - which we did several times in XX/XX/XXXX and XX/XX/XXXX. In XX/XX/XXXX the account was later sold by XXXX XXXX XXXX to Nationstar d/b/a Champion Mortgage after being found guilty of fraud and predatory loan practices for reverse mortgages. We have never been contacted that the mortgage changed companies. My mother passed away on XX/XX/XXXX. Once again I reached out to find out what needed to be done with the home being that as her surviving family I was living with her to take care of her. We did not receive a response from either company. In the beginning of XX/XX/XXXX letters from Champion started arriving. They were statements of money owed. I reached out to Champion again to inform them that my mother had passed. They claimed during each call that it would be noted. However, it never was. They would send three party vendors to the home to speak to my late mother. I would tell them she passed away. They would jot information down on their notebooks but still return in the next couple of weeks. Eventually, they stopped ringing the bell and just tossed their literature on the porch and leave. A year went by as I continued to reach out for Champion, and still to no avail. I then enlisted the help of an attorney. He reached out to Champion in writing, and they refused to provide him with any information or items requestsed. The notices stopped, but I did not as I wanted to make sure that everything was handled properly. I was informed that I would be granted a certain amount of time after her passing to settle everything and decide if I wanted to keep the home. If I wanted to maintain the home, I was supposed to be able to buy it at a discounted price. I still reached out to Champion over the next five years to let them know A ) My mother passed B ) To supply them with the legal documents showing I was the handler of her estate C ) That I wanted to keep the home. During this time also due to my mother 's willing of the property to me, The probate court of NJ transferred the home to me and issued me a new deed. It officially became mines in XX/XX/XXXX. I continued to reach out to Champion, calling the numbers on the notices left and still would get the runaround. Told to fax my documents to legal and then being told they never got them. On XX/XX/XXXX, I called Champion as I normally had to again ask for guidance on what to do with the home. They again told me to fax over documentation. On XX/XX/XXXX, I received a notification that stated current resident. I started to throw it away as junk mail, but something told me to open it. It was a notification that the house was going up for sheriff 's sale on XX/XX/XXXX. My daughter looked it up on the county 's website, and it was confirmed. We were never notified about this until this advertisement. No official letters were sent, no one came by the house, no documents were left. I contacted Champion once again, and they stated the documentation never made it to them again. They asked could I please send it over one more time. On XX/XX/XXXX, I received a package from Champion stating that they received my request for information on satisfying the reverse mortgage loan balance. They stated they were willing to offer a discounted rate for sale, however, they could not mortgage it for me. On XX/XX/XXXX, I received another notification from Champion stating they had gotten the request to update the account authorization for the estate. I called and spoke to the same representative that had assisted me on XX/XX/XXXX. She told me to write a hardship letter and submit it to her. I wrote the letter and faxed it over that evening. The letter stated that I was requesting a postponement of the Sherriff 's sale so that I could find a mortgage or a way to purchase the house. I was told to give the letter some time. I did, nothing was resolved. I obtained another lawyer as my previous one retired during this whole drawn out process. My current attorney confirmed that the sale was not postponed. He requested the original documentation of the sale. I contacted Champion again to have them sent. On XX/XX/XXXX I went down to the XXXX County sheriff 's department and postponed the sheriff 's sale until XXXX/XXXX/XXXX. Also, I also finally received what was being alleged as the original paperwork. I question the originality of the documents sent to me by Champion because it states the amount of the mortgage at the signing was {$340000.00}. However, according to the documentation that was found by XXXX County court system, the actual amount XXXX XXXX XXXX claimed to have given her was {$220000.00} on XX/XX/XXXX. {$120000.00} of the {$340000.00} was paid to satisfy my mother 's debt with the bankruptcy court. The bankruptcy was then closed. However, does not leave a balance of XXXX. Instead, that leaves a balance of {$220.00}, XXXX that should have been given to my mother ( if a lump sum was paid ). Also, this would also mean that {$120000.00} would have been paid back to XXXX XXXX XXXX to lower the amount owed. In which case this becomes a regular mortgage, not a right reverse mortgage as my mother was lead to believe. Point of note a XXXX XXXX evaluation/appraisal of the property in XX/XX/XXXX stated the value of the asset was only {$87000.00}. There were no modifications or repairs made between XX/XX/XXXX and XX/XX/XXXX. Therefore the amount is highly questionable. Why would an organization give out so much money, on a property that did not have a value to this sum? Also, did they even pay for the original amount that was meant to go to my mother? Why were we not given proper notification? I have many questions and grievances with XXXX XXXX XXXX, XXXX XXXX, and Champion Mortgage. The predatory actions of all three companies have been documented, and this case should be investigated. They could not produce answers when I filed my first complaint, so they opted to state the person filing it ( my daughter ) was not an authorized person to speak to. This is AFTER they updated CFPB twice they were working on a response. They had no response, they were looking for a loophole to avoid this case being looked into any further.Company Response:
State: NJ
Zip: 07018
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: Struggling to pay mortgage
Subissue:
Consumer Complaint: I am undergoing a short sale and have submitted all of the requested items through the realtor. The realtor sent me a screenshot from XXXX on X/X/2017 that said " Thank you for uploading all the requested documents. This short sale file has completed the processing phase and is now in transition to the auction phase. Please allow 5 to 7 business days for the reassignment and initial negotiator review process. The negotiator will contact you regarding any additional information that may be needed. Thank you. XXXX XXXX Also this was received today " This message is to inform you that the offer submitted in XXXX via the tasks has been received and is now being referred to XXXX to conduct the Offer Validation Program. Please keep in mind weve saved a spot for the original offer to participate in the online marketing event. Simply have the buyer call XXXX customer service at ( XXXX ) XXXX or XXXXXXXXXXXX and theyll assist the buyer in getting registered. Auction dates will be set within the next 7-10 business days and will be available on the XXXX website once set. These dates will not be provided please be sure to check XXXX for the dates. Keep in mind the following : 1. ) You will remain fully involved with your listing. 2. ) Your commission stays 100 % intact. 3 ) XXXX Services are paid independently of your commission. '' From XXXX XXXX from XXXX.
As you can see I and the realtor are doing precisely as directed by the lender and I 'd like to do a short sale to prevent a foreclosure however it definitely appears that the bank wants to foreclose as I received a notice of Trustee 's sale today. There is an existing offer and the home is going through a short sale auction where the winning bid may purchase the home, but I am not sure they will be able to if their is a Foreclosure Sale date in about a month. Please help me avoid foreclosure.Company Response:
State: CA
Zip: 90720
Submitted Via: Web
Date Sent: 2017-07-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-11
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: I have received and paid various bills from Nationstar mortgage, however, I realized that I never signed a mortgage/loan agreement with them or their subsidiaries. I requested the loan origination documentation on the loan ( NUMBERXXXX ) but they have not provided me with any because I never had a loan with them. I would like to receive all of my money back and file an official complaint.
Company Response:
State: NY
Zip: 11234
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: Struggling to pay mortgage
Subissue:
Consumer Complaint: Starting in XXXX of 2015, nationstar mortgage company claimed that we were {$3100.00} behind. We paid this in full through our local bank via wire transfer. They stated the foreclosure was no longer a threat. We resumed our regular monthly payments of {$720.00} for seven more months. Then they claimed that we were over {$10000.00} behind on our mortgage. Our records do not agree with what nation star has. At this time we went to our local bank to get help with refinance. Our banker pulled up our account through nation star online and discovered that our payments had been raised for the third time to {$1000.00}. We had not been notified of this payment increase. Our original line of credit is a fixed interest rate. Our payments went from {$630.00} to {$1000.00}. We have went to several local banks and private people to try and get help to pay nation star off. Nobody is willing to help us due to everybody being afraid of the foreclosure. Also we have discovered through the local deeds office that nationstar has 3 mortgages on our house. A local banker stated that no financial institution will help us with having 3 mortgages on one house. This backs us into a corner to where we can not get help to recover our house. Our attorney 's records show that one of those mortgages has been paid in full yet nationstar refuses to take one of those mortgages off the deeds list. They have changed lost of things within our loan which is illegal because they are just a servicer of our loan ... ... not the actual loan holder. They have also added an escrow that we have never had and that we never agreed to. Our banker or our attorney can not make sense of their bookwork or paperwork on our mortgage. It is just random numbers and letters that do n't state what they are for. They do n't even show when a payment is made or even the wire transfer that was made for {$3100.00}. They have offered us a modification but then denied it because of my self employment as a daycare provider. Our loan is a 10 year old loan with only 3 years left. The mortgage amount went from {$30000.00} to them {$49000.00}.
Company Response:
State: KS
Zip: 665XX
Submitted Via: Web
Date Sent: 2017-07-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-09
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My wife and I have just had to file for bankruptcy protection in XX/XX/XXXX because Nationstar Mortgage, Mortgage, LLC. started the foreclosure process twice in XX/XX/XXXX.
The first time while Nationstar Mortgage, LLC. helped us secure a loan for the missed 2 payments, late fees and miscellaneous charges up to date and a second time when we were two months behind on our mortgage and sent in the next months payment Nationstar Mortgage, LLC. said it was applied the payment incorrectly and quickly reversed the 2nd foreclosure although we were still forced to pay for both of the foreclosure fees and Nationstar Mortgage, LLC. told us there was n't any way to remove those two foreclosure charges although no actual foreclosure was completed. We spoke with an attorney in XX/XX/XXXX and we decided to file for Chapter XXXX bankruptcy to get our finances in order and stop any possible future foreclosures. Our Charter XXXX bankruptcy was recently XXXX in XXXX. Nationstar Mortgage, LLC. attorney, XXXX XXXX XXXX of XXXX XXXX XXXX, XXXX completed the Form XXXX Final Cure letter stating all of the debtor 's prepetition and postpetition payments consistent with 1322 ( b ) ( 5 ) of the Bankruptcy Code were up to date including escrow and any other fees or charges and the debtors were also up to date all payments. The debtor 's first payment must be paid on XX/XX/XXXX. The Nationstar Mortgage, LLC. attorney mailed a copy of the Form XXXX to the Chapter XXXX to the bankruptcy trustee XXXX XXXX XXXX, our attorney XXXX XXXX XXXX and to us. I called Nationstar Mortgage, LLC. on XX/XX/XXXX after receiving the discharge and Nationstar Mortgage, LLC. stated that they were unaware that the Chapter XXXX bankruptcy was discharged. I also inquired if Nationstar Mortgage, LLC. had received our XX/XX/XXXX payment and our XX/XX/XXXX payments and they said they did but, my XX/XX/XXXX payment was used to pay the overdue payment for XX/XX/XXXX & the last bankruptcy trustee 's payment also paid on XX/XX/XXXX was used to pay the XX/XX/XXXX. Acording to Nationstar Mortgage, LLC. as of XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX payments had n't been paid by the Chapter XXXX Bankruptcy Trustee XXXX XXXX XXXX. The Form XXXX Response to Notice of Final Cure Payment states all payments were up to date. I asked how could all of those payments not have been paid if the attorney Nationstar Mortgage, LLC. hired to complete the Form XXXX told the court that they all are paid? Did the attorney lie to the court? No response from Nationstar Mortgage, LLC. I called Nationstar Mortgage, LLC. numerous times in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to have Nationstar Mortgage, LLC. to explain why the attorney that they had hired XXXX XXXX XXXX, XXXX. stated all of the prepetition and post petition payments were paid up to date until my XXXX payment that is due on XXXX XXXX, XXXX but, Nationstar Mortgage, LLC stated that on XX/XX/XXXX I still owed for XX/XX/XXXX and XX/XX/XXXX. Nationstar Mortgage, LLC. stated that there are times in a bankruptcy that it takes a while for the payments to be posted properly and advised me to wait until XX/XX/XXXX and call back to see if everything is posted properly. When I called back on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Nationstar Mortgage, LLC. sill told me the same thing. On XX/XX/XXXX Nationstar Mortgage, LLC. wrote a letter and mailed it to us on XX/XX/XXXX stating that we were at least 30 days past due on our mortgage payments to them. I called Nationstar Mortgage, LLC. again on XX/XX/XXXX and I was advised again that we still owe for XX/XX/XXXX. I was also told by Nationstar again that my extra XX/XX/XXXX payment was for XX/XX/XXXX, The court paid Nationstar on XX/XX/XXXX and that XX/XX/XXXX payment from the court was posted for XX/XX/XXXX. My 2nd payment in XX/XX/XXXX on XX/XX/XXXX was posted for XX/XX/XXXX and my XX/XX/XXXX payment was posted for XX/XX/XXXX. My 3rd payment for XX/XX/XXXX sent on XX/XX/XXXX was posted on XX/XX/XXXX. Nationstar Mortgage, LLC. told meal I owe right now is for XX/XX/XXXX and XX/XX/XXXX payment is just late. I was informed by Nationstar Mortgage, LLC. there was approx. {$1300.00} in a " suspense '' account and all I needed to send is less than {$700.00} to pay for my XX/XX/XXXX payment to be paid. I advised Nationstar Mortgage that I just got out of Chapter XXXX bankruptcy in XX/XX/XXXX and already made an extra payment on XX/XX/XXXX that the Trustee also paid on XX/XX/XXXX and I made 3 additional payments myself for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX so I actually wo n't have a payment due until XX/XX/XXXX and I do n't have the extra funds to even make a {$700.00} payment. I was told that I was wrong and that my last payment I paid on XX/XX/XXXX was posted for XX/XX/XXXX and my XX/XX/XXXX payment would be late after XX/XX/XXXX and I would be 2 months overdue on my payments. I have contacted my bankruptcy attorney at XXXX XXXX XXXX on XX/XX/XXXX to try to get her help in resolving this poor record keeping by Nationstar Mortgage, LLC. I received my 1st payment statement from Nationstar Mortgage on XX/XX/XXXX for the XX/XX/XXXX, XX/XX/XXXXand the XX/XX/XXXX payments for over {$4000.00}. There were several additional charges listed that I did n't understand but, one of the charges was a property inspection that appears is planning another foreclosure soon and are checking if I still live at the home. Thanks in Advance, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Home Phone : ( XXXX ) XXXX Cellular Phone : ( XXXX ) XXXXCompany Response:
State: MI
Zip: 48313
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: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: On XXXX XXXX 2016 my house was up for foreclosure auction. I have been trying for years to get a lower mortgage to save my home. I have suffered financial hardships and proven them to the lender. They had no desire to help me save my home and have offered no help. I have complained about the lack of help before but nothing changed. Anyway I filed an emergency chapter XXXX bankruptcy to stop the foreclosure sale and was successful. I wanted lender to have more time to go over my latest refinance packet. I have the stamped piece of paper with a case number to prove that I filed before sale. I heard nothing from lender. Recently a notice appeared on my door telling me that I needed to vacate my home. The paperwork said that Nationstar bought my home back on XX/XX/XXXX and sold it the same day to an unnamed party. Both sales should not have happened. Nationstar knew about the chapter XXXX but proceeded with sale anyway. I believe they broke the law. I already believe they have unfair foreclosure practices. This was a new low. They are very crooked and very disorganized and very sneaky. The stress sometimes gets unbearable. Nationstar thinks they are above the law.
Company Response:
State: OR
Zip: 974XX
Submitted Via: Web
Date Sent: 2017-07-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-07
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have made a prior complaint against my mortgage company for gross mismanagement of my mortgage since its inception. It was not resolved to my satisfaction, although the company was able to gloss over the details with the CFPB so that the case was closed. In XX/XX/XXXX and XX/XX/XXXX, the problem was finally resolved, but with no help from my complaint. It took me screaming and multiple calls to finally resolve the issue. The company, after 8 months of going from department to department, finally completed the paperwork to acknowledge that my mortgage did NOT have an escrow. In the interim, even after submitting my case, they continued to mismanage by suspending my payments because the amount differed from the expected payment ( with escrow ) even though they acknowledged their error with adding the escrow.
In XX/XX/XXXX, I contacted the company and the suspended payment ( for XX/XX/XXXX ) was rescinded, no late fees, no issue to my credit - and they accepted my original loan payment as payment in full. In XX/XX/XXXX, I 'm starting to get robo calls to call them immediately. After 2 days of calling and returning, they acknowledge that the robo calls are for late payment reminders - but since the calls started on XX/XX/XXXX- I am 9 days from my payment being considered delinquent. They acknowledge their error - that robo call reminders do not go out during the 15 day grace period. I am alleging that this is retaliation for the complaint.Company Response:
State: LA
Zip: 70122
Submitted Via: Web
Date Sent: 2017-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-07
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Nationstar mortgage began servicing my loan in 2013 and they tried to escrow my taxes even though I was not - or ever - late on them. I sent them proof of payment of my 2013 taxes but they have persisted trying to pay my taxes with the county every year since. The county I reside in sends their money back. That is, until this year when Nationstar proceeded to pay my taxes early, forcing the county to send my payment back. The problem is that I was in bankruptcy at the time and received no notice of this escrow. So, I kept paying the same mortgage amount every month - on time, as always - and now Nationstar has been applying those payments to a shortage account and says I owe them thousands of dollars to bring the account current. I have tried to pay them back this years property taxes on two different occasions but they returned the payment. They seem insistent on escrowing taxes on this account and I do not want that. I have never been late on them so they have no grounds for this. They will not entertain reversing the escrow until I bring my account " current '' for which it already is - I have been paying the monthly mortgage, although they did send one payment back for some reason. This is very egregious behavior and they do n't seem to want to resolve this. I need help intermediating with them and hoping CFPB can provide this.
Company Response:
State: SC
Zip: 29212
Submitted Via: Web
Date Sent: 2017-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-07
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Nationstar Mortgage LLC, which was the foreclosing bank/collection agency continues to report negative information despite the fact that the date of last payment, which was made to XXXX XXXX Loans, was made on XXXX / XXXX / XXXX . They are attempting to reage by claiming a payment was made to them in XXXX . XXXX did not investigate rather they merely put wrote this fact as a consumer statement on report rather than correcting the error and removing the negative, outdated and inaccurate information. I have spent 10 years trying to recover from losing my home and rebuilding my credit. Yet they are trying to report it for 14 years. Nationstar has already been punished for this practice yet they continue their fraudulent practices. XXXX In addition, Nationstar was not even the owner of record who had the right to foreclose but i doubt anyone cares about that
Company Response:
State: CA
Zip: 94565
Submitted Via: Web
Date Sent: 2017-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-06
Issue: Trouble during payment process
Subissue:
Consumer Complaint: in XXXX and XXXX a detail transaction on the history there was found abundance of charges to our account, and until this date the charges remain there and continues to be there and charging late fees for those fees. for three years XXXX we have not been able to get anyone to fix the problem, they have been called many times and messages have been left with upper management, and they never returned our call. in the escrow account we are being charged double for hazard insurance, and in the misc fees we are being charged late fees. any paper they send from their tax department they are charging {$7.00} a sheet. we got a letter in the mail XXXX XXXX, XXXX that our payment for XXXX XXXX, XXXX was not paid and is past due, in this letter it states we have to pay XXXX by XXXX XXXX, XXXX or they will start foreclosure proceedings and sale of the property for a payment that was made and we have the bank print off that it was taking out of our account. upon talking to several associates at nation star mortgage company we found out that the XXXX XXXX, XXXX payment was being held and no one could tell us why, bank statement showed they held it till the XXXX of XXXX. upon getting this letter there was also a certified letter at the post office, in it inclosed the same letter as before. they are trying to force us to put our property taxes in escrow even though they were sent a court ordered document that they were not allowed to do so. they have been sent this paper twice now and put it in escrow anyway, our papers states they have done this.
Company Response:
State: OH
Zip: 451XX
Submitted Via: Web
Date Sent: 2017-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A