Date Received: 2017-06-23
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I called nationstar and advised them that I was XXXX XXXX XXXX due to XXXX and could n't afford the payment and asked could they refinance my loan and they said no. I then applied for a loan medication and nationstar advised they would review my application and get back to me. I would call for a status update and was told that they are still reviewing my loan modification application but would get back to me within a few months. Each time I called they would tell me the same thing. or they would n't return my calls. They finally advised me that they could not approve a loan modification for me because they previously gave me a loan modification. Well now I 'm behind and now about to be foreclosed on. Nationstar new from my very first call that they had previously given me a loan modification, if they would have told me in the beginning that do n't do more modifications instead of having me wait month after month.
Company Response:
State: VA
Zip: 22903
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: Struggling to pay mortgage
Subissue:
Consumer Complaint: I submitted a complete modification packet on XXXX/2017. Which were 37 days before my sale date. However Nationstar refuses to review my loan for any workout option. I have a increase of income I am making {$4800.00} per month. On XXXX/2017 I spoke with Agent XXXX XXXX he stated even if I was to show a income of one million. I still wont be eligible for a modification.
I am doing everything I can to show Nationstar my intentions are to keep my home, I know most of the government modifications programs are over. However ; I can still be offer a in house modification. or something from my private investor. Because my home is under water. I was told by Agent XXXX id # XXXX Nationstar takes into consideration the estimated market value, delinquency of the loan and the pending principle balance to offer an affordable payment. Nationstar is using as an excused my active sale date for XXXX2017. Even though my packet was fax 37 days before the sale date. I follow the guidelines and still Nationstar refuses to work with me. Please help me.Company Response:
State: IL
Zip: 60004
Submitted Via: Web
Date Sent: 2017-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-22
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Im filing a complaint against Nationstar Mortgage (NSM) and their hired counsel XXXX XXXX XXXX , which is an inexperienced associate attorney for XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Im currently in the middle of an active litigation case with NSM, XXXX XXXX has been attempting to mediate the grievances that I have with NSM. On a number of different occasions XXXX advised me that the arguments being alleged in my lawsuit are outside of the statute of limitations and she encouraged me to dismiss my civil suit, I refused. Then she came back a few weeks later with a settlement offer from NSM, offering me $XXXX, in return I must dismiss the civil lawsuit, again I refused. On or aboutXX/XX/XXXX, XXXX requested that I complete a written offer of my own for which I would consider dismissing my lawsuit in return for a specific settlement amount from NSM. On XX/XX/XXXX, I submitted a written settlement offer as well as I sent XXXX a full modification request for assistance package for review since my account has been forced into delinquency from NSM, errors. Since my loan is coded as litigation when I call NSM, Im directed to contact XXXX and the law office that she represents. I was also advised by all of NSM, personal on multiple occasions that all communications and requests must go through XXXX and the law firm. This is the reason why I sent XXXX the request for modification assistance package along with my settlement demand letter for NSM, to review. On several separate occasions, I have requested XXXX to give me a status update on both the modification request documents as well as my settlement request for NSM. On several instances via email communications, XXXX led me to believe that my documents and requests were still under review. See XXXX email responses that were received via email when I requested updates: * On XX/XX/XXXX, at XXXX XXXX, wrote: Hi XXXX, I have not heard back on the modification. I will follow up with my client again on the status of the foreclosure and potential to modify the loan. Thanks, * On XX/XX/XXXX, at XXXX XXXX, wrote: Hello, XXXX XXXX, Thank you for following up! I had intended to call you this week to discuss. I inadvertently misread the scheduling order and no continuance is needed as the deadlines are for XX/XX/XXXX instead of XX/XX/XXXX. I followed up again this week conveying your desire to modify your loan and I am working towards a final resolution of this matter. I will be in touch next week. Thank you for your cooperation. Best, XXXX XXXX On XX/XX/XXXX, I received the text below from XXXX, basically attempting to extort me into agreeing to dismiss my civil lawsuit, in return for reviewing my loan for modification assistance and $XXXX. I might add that I submitted documentation for assistance as instructed by NSM, on XX/XX/XXXX, and NSM is refusing to review my FHA loan for assistance unless I accept $XXXX and dismiss my claims against them. PRIVILEGED & CONFIDENTIAL | FOR SETTLEMENT PURPOSES ONLY XXXX Nationstar will agree to review you for a loan modification and make a payment of $XXXX to you in exchange for dismissal of your lawsuit. The terms are detailed below: 1. Nationstar will review you for a loan modification after you execute and supply to Nationstar all documents necessary to evaluate and consider you for a loan modification within 21 days of receipt of the application from Nationstar. You also agree to execute and supply all supplemental documents within 21 days of Nationstar's supplemental document requests. You further acknowledge that this is only an agreement to properly evaluate and consider you for a loan modification once all required documents are submitted, and this agreement in no way requires Nationstar to offer the you a loan modification and in no way guarantees you a loan modification. 2. Nationstar will pay you $XXXX in exchange for your agreement to file a joint stipulation of dismissal with prejudice no later than XX/XX/XXXX. You agree to release Nationstar, as well as Nationstar's related and affiliated entities and each of its respective agents, representative, principals, servicers, successors-in-interest, and predecessors-in-interest from any claims that were asserted or could have been asserted in the lawsuit. This release shall be construed broadly and shall include, without limitation, Nationstar and its respective agents and representatives. 3. You agree to execute a more detailed settlement agreement that will detail the rights, duties, and obligations set forth and will include among others your obligation to keep the settlement confidential and provisions reflecting you received no tax advice from Nationstar and Nationstar will report any taxable consequences to the IRS as required under the Code and applicable to the facts of this case. Please let us know if you are in agreement and we will proceed with drafting the dismissal pleadings and long form settlement agreement. The parties agree an affirmative response to this email with constitute a binding agreement to settle. Thanks, XXXX XXXX XXXX Associate, XXXX XXXX XXXX XXXX XXXX XXXX XXXX | XXXX XXXX XXXX | XXXX XXXX | XXXX, TX XXXX Dir: XXXX | Main: XXXX | Fax: XXXX XXXX
Company Response:
State: TX
Zip: 77429
Submitted Via: Web
Date Sent: 2017-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-22
Issue: Trouble during payment process
Subissue:
Consumer Complaint: We refinanced our home in XXXX. The mortgage was paid off by XXXX XXXX. Our previous mortgage holder was Nationstar Mortgage. Nationstar paid to XXXX XXXX insurance our premium for the year before it was due, and while we were in the process of refinancing, we also switched from XXXX XXXX to XXXX XXXX insurance. XXXX XXXX refunded to Nationstar our premium of {$490.00}, however Nationstar refuses to refund to us the {$490.00}. Instead, they sent us the attached letter stating " We can confirm that a refund in the amount of {$490.00} is available to XXXX XXXX XXXX for prepayment made. You may need to request XXXX XXXX XXXX to obtain any refund. '' We have not been able to find a company called XXXX XXXX XXXX. On the XXXX of XXXX, I spoke with XXXX at Nationstar. She gave me her supposed phone number XXXX, which I have repeatedly called and at which I have left voicemail with no return calls. When I spoke with XXXX on the XXXX of XXXX, she assured me that a check for {$490.00} was being " expedited, '' and that we would receive it in " 14 business days or less. '' The attached letter dated XXXX XXXX, XXXX RE : Research Reference # XXXX, contradicts XXXX 's promise. We do NOT have the disposable income to be able to afford losing nearly {$500.00} - we were assured, in the refinancing process, that our escrow would be refunded to us and that it would be available for making our first new mortgage payment, which was clearly untrue. We are distressed in the extreme, losing sleep and worried about making ends meet. Our lawyer has advised us to continue registering complaints with the Consumer Financial Protection Bureau ( you ). Thank you for your assistance.
Company Response:
State: AZ
Zip: 85304
Submitted Via: Web
Date Sent: 2017-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-21
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: I have an account with nation star mortgage. After closing, the wrong closing cost was sent. The company never called to tell me so my account was not settled. I realized it when I looked at the account online. I went back and fort until they finally decided to accept the original payoff sent to the closing company. It took probably a month after closing. Now the company is giving me the run around and seem to not want to give back the overage that I am due as more money was sent in than was required for the pay off. Even after a couple days calculation for interest I am still due an overage payback. It has been two months. Every time someone says they will call me back it never happens. the closing company as well as one of their own representative already stated I am due an overage. I can not seem to resolve the issue and everyone seems to act as if they do n't know what I 'm talking about.
Company Response:
State: MN
Zip: 563XX
Submitted Via: Web
Date Sent: 2017-06-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-21
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: 1. Nation Star Mortgage wrongfully denied me for the HAMP program. They stated that I did not turn in the IRS XXXX form, for myself and for the household contributor, on time, even if that was true it is not applicable. The IRS XXXX form is to show taxes filed for the past three years. But because I and the household contributor receive XXXX social security income only, we do not file taxes. Nation Star admitted that we provided that proof in a letter dated XXXX XXXX, 2016 where they write a current award letter for fixed income that shows the amount frequency and duration of the benefit income, was received for me and the household contributor. 2. I sent them proof for myself the Social Security income I receive for XXXX before XXXX XXXX, 2016 and it was accepted. Since I am on XXXX I do not pay taxes. The same applies for the household contributor. The XXXX form was not necessary for my application because it did not apply to me, yet it is the reason that I was denied assistance. I, the borrower, and the household contributor have been on XXXX for over three years and the award letter states how long that we have received it. The XXXX form only shows the past three years and our award letter shows over three years. 3. The reason that me and the household contributor are on XXXX is because we are not able to work a job. We explained this to Nation Star and gave them strict proof. In a letter from XXXX XXXX, 2016 they admitted that they received a current award letter for fixed income that shows the amount frequency and duration of the benefit income. 4. Nation Star Mortgage increased my monthly house payment amount by {$310.00}. It went from {$1400.00} to {$1700.00} and they never notified me about the increase and still has not provided any proof that I was properly notified concerning the increase of my mortgage payment prior to the increase thereof. 5. In conclusion, I have attached a letter from XXXX XXXX, 2016 stating that the award letters were accepted for me and the household contributor, which shows our only income for over the past three years. We receive XXXX income from Social Security, which is not taxed, and no requirement to file taxes. This was thoroughly understood by Nation Star Mortgage. Therefore, the XXXX form was not needed nor applicable to my application. This should have given Nation Star plenty of time to process the information before XXXX XXXX, 2016. I am also requesting that they send proof that I was properly notified about the mortgage increase. I want them to tell me why my mortgage increased.
Company Response:
State: OK
Zip: 73112
Submitted Via: Web
Date Sent: 2017-06-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-20
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have a mortgage with NationStar ( they recently purchased the loan from XXXX XXXX XXXX on XXXX XXXX, 2017 ) and the have been making extra charges on my checking account ( XXXX XXXX XXXX XXXX ) multiple times per month. I called to try to get them to stop and they, first, told me that they had no records of the charges, then after some persistence they finally admitted to seeing the charges. When I asked the to stop the charges they said they could n't. I eventually closed my checking account and opened a new one, but have n't made a payment since ( giving them my checking acct number is the only option to pay they will give me ) because I do n't want them to start trying to steal any money from that account. I checked my account history today and they erased those charges, but I took screen shots of the fraudulent charges they had posted in previous months. The amounts were : {$2300.00} on XXXX XXXX, 2017-XXXX2017-XXXX2017 & XXXX/XXXX/2017 {$2300.00} on XXXX/XXXX/2017 {$1500.00} on XXXX/XXXX/2017
Company Response:
State: AR
Zip: 727XX
Submitted Via: Web
Date Sent: 2017-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-20
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I am attaching a lawsuit which was filed recently. It shows how Nationstar is illegally trying to foreclose on my property. I have hired a fraud investigator and expert witness to investigate their wrongful acts and the investigation is ongoing. They responded to my last CFPB complaint with the attached letter sent to my attorney, XXXX XXXX. Every time I ask who owns my loan, I get a different response which tells me that it is all fraudulent and they just make something up each time, hoping to pass the liability onto someone else but as you can see by the attached documents, it is all a big fraud. XXXX XXXX sent them an authorization which I signed along with the letters that she sent to Nationstar which allowed her to receive their response to her letters. She received the return receipts to all of her letters sent to Nationstar. However, in their reply, they said that they did not have the authorization. This is not true since they signed the return receipts which XXXX XXXX received and I have attached them here as well. In the letter dated XX/XX/XXXX that they sent to my attorney, XXXX XXXX, it says that XXXX XXXX is the owner of my loan, however in the letter dated XX/XX/XXXX that they sent to XXXX XXXX it says that XXXX XXXX is the owner of my loan. Both letters are attached here. I still do not know who owns my loan. In item 5 of their letter to my attorney, XXXX XXXX, they said that four loan modification reviews were denied due to the request being incomplete. This is another lie. I provided all documentation requested numerous times. They continually lost the documents, changed the single point of contact and made me send in the information over and over again, wasting time and using a false reason to deny a loan mod. In item 6, their accounting was incorrect and I made every payment since the XX/XX/XXXX loan mod and I have all of the cleared checks. They claimed I did not make insurance payments which was not true as I can prove that I made all of those as well. The only reason I went into default was because they started sending the payments I was making to them back to me. I could never reach a person who could get this straightened out. I have notes on all the times we tried to reach a live person who could explain what was going on but the single point of contact would never return my calls. I even paid an attorney to try to figure it out and he was also not able to get them to explain to him why they were saying I was in default and explain their accounting. He told me I needed to sue them. People should not need to go to court to get a correct accounting and find out who owns their loan and where the money that I have paid has gone. Nevertheless, after trying every other way, it seems that is what is required.
Company Response:
State: CA
Zip: 931XX
Submitted Via: Web
Date Sent: 2017-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-19
Issue: Trouble during payment process
Subissue:
Consumer Complaint: XXXX sold my mortgage to Nationstar in XXXX XXXX . All terms remained the same and I was paying {$1500.00} a month ( {$320.00} escrow included ). A ll taxes paid by XXXX before sale for the year XXXX . In XXXX XXXX Nationstar paid my county-town tax for {$1200.00}. My school tax is not due till XXXX XXXX for {$3900.00}. MY CLAIM IS Nationstar says I have. {$2900.00} escrow shortage. By the time XXXX comes I would have accumulated {$3200.00} and only be {$700.00} short. They immediately spread payments over 12 months and my new payment since XXXX is now {$1700.00}. This is a {$230.00} increase that is creating a burden for me, I am a XXXX XXXX living off of XXXX compensation and the additional {$230.00} a month is a lot for me to sacrifice. I have made numerous calls faxes emails but not one can give me a straight answer, and they sent escrows analysis and the numbers are not consistent. I just want my payment to go back to normal ... .please help me. Thank You XXXX XXXX XXXX
Company Response:
State: NY
Zip: 109XX
Submitted Via: Web
Date Sent: 2017-06-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-19
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: XXXX XXXX had a note with Nationstar. The balloon payment was coming due as of XXXX XXXX , XXXX . XXXX XXXX contacted Nationstar in XXXX of XXXX . Nationstar advised XXXX XXXX to continue making his monthly payment and Nationstar would work with him on getting the balloon payment refinanced. XXXX XXXX continued to send monthly payments in XXXX , XXXX , XXXX and XXXX . In XXXX Nationstar returned the XXXX and XXXX payment and advised XXXX XXXX that he was in default and they would no longer accept payments. XXXX XXXX was ultimately able to pay off the balloon payment in XXXX but XXXX continues to report to the Credit reporting agencies that XXXX XXXX failed to make his XXXX , XXXX and XXXX payments. This is making him in excess of 120 days delinquent even though XXXX XXXX made the payments. We contacted Nationstar and attempted to resolve but they are stating that he was in default because he did not make the balloon payment. However, Nastionstar made an aoral agreement to accept payments and then accepted some of the payments but is reporting XXXX XXXX did not make the payments. The credit report however says he failed to make the XXXX payment in the amount of {$770.00}, despite the fact that he make a payment of {$800.00}. Further he sent Nationstar the XXXX and XXXX payments, Nationstar is reporting them not made because they were returned. We have disputed the information with Nationstar, XXXX , XXXX , and XXXX . Nationstar continues to insist the reporting was correct despite having received the payments in XXXX , XXXX , and XXXX and being proved proof of the sent payments. XXXX XXXX has been denied credit because of the negative reporting.
Company Response:
State: IL
Zip: 600XX
Submitted Via: Web
Date Sent: 2017-06-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A