Date Received: 2017-06-28
Issue: Credit monitoring or identity theft protection services
Subissue: Problem canceling credit monitoring or identify theft protection service
Consumer Complaint: Nationstar Mortgag e Company recei ved paperwork including a divorce decree and quit claim deed in XXXX stating that my name was to be removed from the title and mortgage but they failed to do so Currently, my ex-wife was 21 days late on a payment ( XXXX XXXX ) but was never more than 30 days late an did submit a payment every month. Through a technicality, they retroactively applied the XXXX payment and carried over a late balance all the way into XXXX even though she 'd never been more than 30 days late sending them payment They are now fili ng 30 a nd 60 day late payments to my credit even though they received payment every month and my name should not even be on the mortgage as of XXXX
Company Response:
State: CA
Zip: 902XX
Submitted Via: Web
Date Sent: 2017-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-28
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Date XXXX XXXX 2017 My jumbo mortgage is now being serviced by Nationstar Mortgage, who bought it from the former service. My mortgage payment is typically debited from our joint checking account on the first of the month.
My husband called Nationstar several times this month to ask whether it would be drawing the XXXX 2017 payment from our account or whether we should send a check, and was told ( variously ) that we " would be getting a welcome package, '' " to wait a few days '' and that Nationstar " could not speak to him about a house in my name. '' He finally asked me to call. I called today and spoke to " XXXX. '' I wanted to make the XXXX payment, had " no loan number yet '' and that I should n't worry about the XXXX payment because I would not be charged a " service fee for 60 days if I were late. '' I was furious as I am a former loan officer and knew that a late mortgage payment would affect my credit score. I asked for a supervisor and told her I did n't care about avoiding a late fee, I wanted to pay my mortgage. At that point, I was told " that the line was being recorded, '' at which point I told her to give me someone who could resolve the issue because I was going to the CFPB and the Texas Attorney General. I was stunned that she was urging me to stop worrying about paying my mortgage for " 60 days. '' That is when she gave me the loan number. What is happening here is obvious. Nationstar lies to customers in hopes of collecting fees from the mortgage holder for collections. This company needs to be closed down, as I have never heard so many lies in such a short period of time. They do not deserve the fiduciary responsibility associated with servicing the largest investment most families will make in a life time. I can not imagine how it would be to call Nationstar with a problemCompany Response:
State: TX
Zip: 75205
Submitted Via: Web
Date Sent: 2017-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-27
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Bought home XX/XX/XXXX, had two loans a 15 yr and a 30 yr XX/XX/XXXX is the 15 yr loan completion date, but now I get a notice saying $ XXXX will be due XX/XX/XXXX I have made all payments, docs say loan was for {$13000.00} Math adds up to more and now they want a another $ XXXX ( I do n't think this would be interest, the 30 yr old mortgage is not like this - Attorney says this company has had problems before XXXX XXXX - 3 different companies have passed this on Currently Nationstar Mortgage holds it Can you help What 's so weird is that a fellow worker is being done the same way
Company Response:
State: TX
Zip: 77040
Submitted Via: Web
Date Sent: 2017-06-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-27
Issue: Trouble during payment process
Subissue:
Consumer Complaint: On a letter datedXX/XX/XXXX, my mortgage company, Nationstar, sent me a letter informing me of a shortfall in the escrow account of my first mortgage. My accounts are impounded. It said that if I took no further action, the shortfall would be spread out in my monthly payments beginningXX/XX/XXXX. I took that to mean that my XXXX statement, due onXX/XX/XXXX, would be impacted to the tune of {$60.00}. This happens all the time and I understand and am happy to oblige. My understanding of this was further reinforced by the Mortgage Loan Statement I received from them with a statement date of XX/XX/XXXX, in the amount of {$1900.00}, my usual payment for the last year. That is the amount I put in to pay on my online bill pay service as usual.
Today I called them to make sure that was correct, and was rather concerned that they said it was not correct. I owed them an additional {$60.00} as of XX/XX/XXXX. When I asked why, I was told that there was a shortfall in the escrow and I owed that money. I understood that and knew it was coming ... next month. And my statement from Nationstar, which is in effect a bill, said that for THIS payment I owed {$1900.00}, dueXX/XX/XXXX. Had I not called them onXX/XX/XXXX at XXXX PDT, I would never have known, until they had already reported me delinquent, that I owed an additional {$60.00}. While I can cover that amount, I have two problems with this : 1. My credit could have been negatively impacted through no fault of my own. 2. This business practice sets up consumers to be abused and harassed for things they did n't do wrong for an extensive length of time. My only saving grace is that I called to double-check. Personally, I have already begun looking for a new mortgage lender, because this level of incompetence is terrifying in the mortgage world and can potentially effect thousands of customers who may rightly take their mortgage statement at face value, as they should.Company Response:
State: CA
Zip: 93021
Submitted Via: Web
Date Sent: 2017-06-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-27
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Case number XXXX, my home was modified inXX/XX/XXXX through XXXX XXXX XXXX after five years of trying to get a modification. With the help of the attorney general for the state of California, consumer financial protection bureau and veteran affairs, I finally received my modification. When I signed the original paperwork for the modification, I read that my house payment would be {$2800.00} that included taxes and fire insurance through an impound account at 2 % for the life of the loan. Currently my house payment is {$3400.00}. Which is a difference of {$540.00} a month or {$6500.00} a year. I 'm making the same money that I was making in XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX and XXXX. I make roughly {$110000.00} a year. I 'm having trouble making ends meet.
After five years of trying to get my home modified because of the lies that countrywide mortgage told me and then XXXX XXXX XXXX ; trust me, I experience XXXX even while writing this letter asking for help. My loan was sold to Nationstar mortgage a few months after the modification took place. I contacted nationstar to ask for help and they said they could not do anything for me. The problem is, is that when XXXX XXXX XXXX modified the loan, the state of California demanded that they forgive the second loan on my house because of the fraud. I have since taken out a second to repair the rest of the house and get all the repairs done that needed to be done in XXXX when I bought the house. So now I 'm paying for the second as well. If I were to sell the house now I would lose all the money I put into this house. For example, I paid {$680000.00} for the house. I started the remodel as this was a house that I thought I could afford according to XXXX and XXXX XXXX XXXX. The house had no floors, a working kitchen and only one bathroom that worked. I took out a {$170000.00} to get these issues and the swimming pool fixed as it was leaking a lot of water. All of these issues were documented in my first complaint in XXXX. The houses in this market as of this date XX/XX/XXXX is $ {$860000.00}. As you can see, XXXX plus {$170000.00} equals {$850000.00}. I 'm coming out with {$11000.00}. However I have not included realtors fees or closing cost. I 'm actually losing in excess of {$52000.00} in a house that I have paid for, for 13 years. Please help me get this house modified as this is the house I would like to stay in for the rest of my life. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, California XXXX XXXXCompany Response:
State: CA
Zip: 92653
Submitted Via: Web
Date Sent: 2017-06-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-26
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: We are trying to complete a short sale with XXXX XXXX thru their sevicer Nation Star mortgage. They ordered a brokers price opinion and charged that fee against the mortgage payoff as a fee. When we asked to see a copy of the BPO that the homeowner paid for, they told us that they do not share that info with the homeowners. We have requested a copy 3 times from XXXX XXXX and one time thru Nation Star Mortgage and were told no each time. We would like a copy of this BPO report in order to properly dispute the value that was given by XXXX XXXX valuation dept. Can you please help us get what the home owner has a right to see since she was charged for it.
Company Response:
State: MO
Zip: 63028
Submitted Via: Web
Date Sent: 2017-06-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-26
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: My previous complaint against Champion Mortgage/Nationstar may have been answered but the responses were incorrect. This time I submit proof that my complaint is correct. 1. When Champion/Nationstar foreclosed on me inXX/XX/XXXX, they used incorrect numbers that were incorrect so the foreclosure was illegal but attorneys for Champion proceeded even though I tried to prove otherwise and my wife lay XXXX at the time. She XXXX on XX/XX/XXXX. The foreclosure was based on Champion claiming I owed real estate taxes for XX/XX/XXXXin the amount of {$10000.00} when the actual taxes for XX/XX/XXXX were {$6600.00}. False information leading to illegal foreclosure. 2. Now, Champion is foreclosing for the amount of {$11000.00} when their own statement shows LOC balance as {$8600.00}. 3. in written email from Champion their representative " declines '' to give me an proof of their charges. 4. In current threat of foreclosure, Champion lawyers state original loan balance as {$380000.00}. when the true original loan balance was $ {$170000.00}. I have repeatedly asked for HARP but have been ignored. I assume Champion will ignore it until it expires in XX/XX/XXXX.
Company Response:
State: PA
Zip: 18062
Submitted Via: Web
Date Sent: 2017-06-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-24
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: When this company initiated foreclosure proceedings their attorney XXXX XXXX XXXX XXXX brought to light and even requested that the deed be corrected because what they described as a scriber 's error on the registers office personnel. After reviewing and looking back through ever deed on the property back to its creation in XX/XX/XXXX I did notice the descrepency in the deed itself. But they should not be allowed to change said deed and the loan and deed should be invalidated and the company wiped this mortgage out as a business loss on their end and title said property back to me or refund every dime that has been paid to them since the loan was originated if not just for since it has been in the possession of Nationstar Mortgage LLC. The reason being that the error they are trying to have the court change is not on the part of the registers office as they imply, but instead on the closing attorneys fault ( from the original closing attorney on the loan ) to the attorneys that Nationstar also had do the closings during the modification and subsequent attempts at foreclosure. All of these parties except for myself being the home owner had pre-existing knowledge of this error in the deed and did nothing about it until the company " Nationstar Mortgage LLC '' decided to foreclose on the property. Documentation can be submitted with this complaint that shows that the original closing attorneys listed said description in every document relating to this mortgage " the mortgage, the deed, and even the title insurance '' and Nationstar when taking possession of the loan more or less the modifications it put the loan in also listed all of the inaccurate information without legally verifying the correct information was pertained in all of the documents.
Company Response:
State: SC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-06-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-23
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Nationstar Mortgage has refused to take my mortgage payments for several months and now they claim I am in foreclosure due to non payment but THEY have refused to take the payments. I have been making payments every month on time for several years and now suddenly they just refuse to accept my payments and started the foreclosure process. This is an investment property and they also have taken another investment property by means of dishonest tactics, claiming that the home was abandoned ; they twice sent a servicing company to break into the home and changed the locks and winterized it and caused damage to my home even though I was current with my mortgage payments. The second time the servicing company caused a lot more damage, I was in the process of doing some upgrades to the home and had installed a new water heater, stove, did remodeling and renovations but the servicing company pressurized the water line to the point that it ruptured the main water line and flooded the home and damaged the seals on the water heater. I had run out of funds to repair the damage that they caused so I decided to not continue making any payments due to their persistence on taking the home away from me. At the time I had a prospective tenant that wanted to move into the home but I did n't have the funds to continue fixing the damages caused by their servicing company so I decided to put the house up for sale but could not find any buyers due to the damage caused by NationStar 's servicing company. My other investment home located in XXXX, NV has quite a bit of equity and this is the home they refuse to take my payments and they want an outrageous amount of money to take it out of foreclosure due to their fraudulent tactics and refusal to accept my payments. They need to be investigated and taken out of business, both homes originated with XXXX XXXX XXXX loans and XXXX sold the loans to NationStar. They have been nothing but negligent in working with me. It is to their advantage to foreclose as they will gain financially.
Company Response:
State: NV
Zip: 89509
Submitted Via: Web
Date Sent: 2017-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-23
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: Last fall my husband and I paid off our mortgage in XXXX XXXX XXXX with Nationstar Mortgage.
-We never have received a release of loan. -No recording was done with our county that our loan has been paid. -We were told and was sent a document that our taxes was paid off. The taxes were never paid last XXXX. We paid our taxes with extra fees last XXXX. -Escrow statement sent to us shows money missing the bank can not tell us were it went. Our main concern is that we have them to send the county a release of mortgage to show our home is paid off. Any help will be much appreciated.Company Response:
State: FL
Zip: 33027
Submitted Via: Web
Date Sent: 2017-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A