Date Received: 2017-06-20
Issue: Trouble during payment process
Subissue:
Consumer Complaint: RE : complaint number XXXX Today I received a copy from Nation Star Mortgage showing the fees that I 'm being charged for. First of all in XXXX 2006, my mortgage company was XXXX XXXX XXXX. I filed for bankruptcy on XXXX XXXX, 2006, because I was laid off from my job and was only working part time until I found a new full time job. I did receive a letter from XXXX XXXX XXXX stating that I had 90 days before my home went into foreclosure. I then contacted an attorney and the foreclosure was STOPPED because I filed for bankruptcy. THERE WAS NO SHERIFFS OR ANY OTHER FEES THAT WAS CHARGED WHEN WE WENT TO COURT IN FRONT OF A BANKRUPTCY JUDGE! I can either contact my attorney or the Federal Bankruptcy Court to prove that these fees were NOT REQUESTED BY XXXX XXXX XXXX. These are NEW ADDED FEES that XXXX XXXX and or Nation Star have just added. XXXX XXXX was n't even the lender of my account in 2006. Why are these new fees coming up after 11 years. I have my bankruptcy discharge papers and I can prove that these added fees were not on my papers.
Company Response:
State: PA
Zip: 15206
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: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Nation Star failed to correct the dispute I have on dispute against them for the amount they said I owed them back from XXXX 2016. ( please look my letter I did on regards ) Please look for reference CFPB Case # XXXX I spoke with at least 2 representatives from the Customer Relations Department back in 2016 .They promised me to assist me to resolve it and it wont be any late payment fee, instead I been receiving collection letters, Today after i seen Inspections fee ( never took place ) and a late fee on the monthly statement I contacted XXXX at his number XXXX, he said in order to remove those late fees I have to pay the month of XXXX XXXX. *I told him I will formally dispute this Ilegal Charge and all the late fees on regards I been paying from XXXX 2106 up to date, You company never contacted me to resolve it. *Further I requested him formally to provide me a original Copy of power of Attorney from XXXX XXXX to NationStar giving the right to service this deed of trust, He said he will provide me a copy of the deed of Trust, and he said is not any regulation to force them to provide me one.I advised him it wont be acceptable to me I have the deed of trust by the way anyone can have a deed of trust and trying to collect from them. Now in hand I have a Document an email dated XXXX XXXX 2016 from the same investor XXXX XXXX to me saying : " XXXX is the servicer ''. It looks contradictory what NationStar pretending in take a title/capacity perhaps does n't belong to them. I will like the CFPB regulator look into this matter because i believe something is not right. lets remember this Servicing company has fined per this federal agency : https : //www.consumerfinance.gov/about-us/newsroom/cfpb-takes-action-against-nationstar-mortgage-flawed-mortgage-loan-reporting/
Company Response:
State: CA
Zip: 91311
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: Trouble during payment process
Subissue:
Consumer Complaint: XXXX and XXXX XXXX sold XXXX XXXX XXXX , XXXX NJ in XXXX , XXXX . As part of the sale, they needed to pay off a reverse mortgage held by Champion Mortgage Co. Champion p rovided a payoff statement which charged interest on the loan through XXXX XXXX , XXXX . They refused to provide a per diem interest amount. On XXXX XXXX , XXXX , a wire in the amount of {$220000.00} was sent. On XXXX XXXX , XXXX , Champion sent a second payoff amount, demanding an additional {$900.00} in interest, even though the loan would not be open until the end of the month. On XXXX XXXX , a wire for the {$900.00} was sent. We were assured that any overage would be returned to us. Champion failed to provide an accounting of the loan, and did not record a cancellation. On XXXX XXXX , XXXX , a letter was sent to champion requesting the cancellation and placing them on notice of a {$50.00} per day fine assessed if they failed to file the cancellation. No response was received. On XXXX XXXX , XXXX , an email was sent to Champion. Although the email was acknowledged, no substantive response was received. As of this date, Champion still ha s not provided a copy of a recorded cancellation of mortgage, nor has it returned the excess interest due. Another demand letter was sent to Champion on XXXX XXXX , XXXX .
Company Response:
State: NJ
Zip: 085XX
Submitted Via: Web
Date Sent: 2017-06-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-18
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX THIS COMPANY HAS ENGAGED IN A SYSTEM OF RACKETEERING AND FRAUD WITH XXXX XXXX XXXX, AND XXXX XXXX. THE ARE SEEKING OUT UN-ENCUMBERED PROPERTIES THAT ARE PAID OFF THAT WERE INVOLVED WITH FRAUDULENT SECURITIES TO TRY TO STEAL THEM FROM THEIR RIGHTFUL OWNERS. THE PRESUMPTIVELY ARE GOING TO SELL THESE PROPERTIES AND POCKET THE FULL EQUITY VALUE AND NOT REPORT WHAT IS TRULY GOING ON TO THE IRS, PRACTICEING TAX EVASION. THEY HAVE CURRENTLY HIRED A LAWYER WHOM IS PRACTICING OR ORCHESTRATING THE FRAUD FOR THEM.
This law firm XXXX XXXX XXXX SB # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX, CA XXXX telephone XXXX He is working with a company XXXX XXXX, XXXX to commit fraud on the XXXX FAMILY, this law firm and the above company is also working with a company named XXXX XXXX, and XXXX XXXX XXXX, whom XXXX had already wrote demand to validated the debt letters to, and letters disupting the debt. Even Though these letters were sent out the these entities XXXX XXXX, XXXX, XXXX XXXX, and XXXX DEFAULT SERVICES, none every responded to XXXX which was their Article/Title 5 responsibility to do. Once the fraud was committed by XXXX XXXX, and XXXX XXXX XXXX, then XXXX XXXX, XXXX was also sent the letters from XXXX and also did not respond. Currently, XXXX XXXX, XXXX, is working with XXXX XXXX XXXX that is creating fake documents with XXXX XXXX, XXXX to steal the XXXX home and property. XXXX sent out documents to rebut all presumptions of XXXX XXXX, XXXX. XXXX were supposed to have a jury trial till a summary judgement for unlawful detainer was filed. Currently XXXX had a judgment not in their favor, even thought they showed a judge evidence that they have not debt to foreclose on. And own the Note and are in possession of the note that invalidates the deed of trust that they are trying to foreclose on. There are other evidence that show there is no debt like a report from the secretary of state on the UCC that shows there is no debt since XX/XX/XXXX and no current debt owed. I have filed over 15 reports about that same senario but different parties doing this to us over and over again. The XXXX XXXX XXXX XXXX in this case was also trying to work for the Plaintiff and was rushing to judgment even though he did not look through the paperwork. Much of the paperwork prepared by XXXX XXXX XXXX was all manufactured fraudulent done by XXXX XXXX, XXXX. XXXX found out that the judge also has a pension based in mortgage backed securities and also retired back in XX/XX/XXXX. He has been out of active practice of law for 10 years, and XXXX asked him about certain cases he had no idea, not even knowledgable of IRC 860G and REMIC trusts so he was not qualified to judge this case. XXXX feel he acted prejudicail to XXXX XXXX, XXXX, since he was helping them craft arguments against XXXX. Each argument XXXX objection handled and diffused. Explaining that there was no mortgage to foreclose on, and that the Judgment listed in the count record was from court fees XXXX already paid through the court to the county comptroller. So there is no judgment or mortgage debt they could have purchased in a foreclosure auction. This is a new tactic since they did not respond to any of the other debt dispute letters/or demand for debt validation, any of the companies perpetrating this fraud were non-compliant to respond.Company Response:
State: CA
Zip: 95391
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: Trouble during payment process
Subissue:
Consumer Complaint: I submitted a Third-Party Authorization to Nationstar in XXXX 2017 authorizing them to disclose my mortgage information to my attorney 's office. At no time did I submit a " change of address. '' However, since then, Nationstar has changed my mailing address to my attorney 's office 's address and refuses to reinstate my actual mailing address, which is the address of the home. My attorney sent a Notice of Error on XXXX XXXX, 2017, but to date Nationstar has not responded. They are continuing to send my monthly mortgage statements to my attorney 's office instead of to me at the property address. My attorney 's office then has to forward the statements to me. I am afraid that I will miss a payment or be late on a payment because of this. There is no litigation pending so I am not sure why Nationstar insists on communicating with my attorney 's office only.
Company Response:
State: NV
Zip: 89030
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: Trouble during payment process
Subissue:
Consumer Complaint: I would like to report a fraudulent loan refinance by Nationstar Mortgage closing on XXXX/XXXX/XXXX FHA case number XXXX In the loan process they used my previous escrow balance to either lower the loan payoff amount or to pay their fees. I was told numerous times that my current escrow would be transferred over to my new loan escrow account. It even stated that in my closing documents, but upon checking my new loan escrow the money is not there. I called Nationstar earlier this week to inquire about the escrow money and they stated that it was not transferred, but that a check was cut in the amount of {$2300.00} and mailed to my address on XXXX/XXXX/XXXX and if I hadnt received it by this Friday XXXX/XXXX/XXXX they would stop payment and either issue a new check or set up to wire the money. I called today XXXX/XXXX/XXXX to follow up and again was told by ( XXXX ) that a check would be issued in that amount and sent out in the next 5-10 business days. Later I received a call from a supervisor stating that I wasnt owed that money and that it was applied to my closing cost fees not my escrow which is not what I was told or agreed to. Please let me know if there is anything I can do in this situation. The only thing the refi did for me is take away my property tax money I had in escrow for the upcoming payment of {$2100.00} XXXX XXXX XXXX. They manipulated the numbers to make the loan go through so they could collect their fees and now have left me owing a huge tax bill because the escrow money went to them not my account. They subtracted prepaid mortgage insurance money in the amount of {$2100.00} and my escrow in the amount of XXXX from my loan payoff of XXXX and paid off XXXX. I was told by the closing attorney that it is illegal to use escrow money to lower the payoff amount and I signed the document stating that it was being transferred. They used tax records from a previous owner from XXXX when I did n't even own the house. I told them throughout the whole process that the property tax information they were using was incorrect, but they insisted on using it anyway telling that it would work out at funding and the escrow account would be transferred over to the new loan. I have documentation from the very beginning proving my attempts to have them correct the property tax amount but the refused to make the adjustment. Nationstar carried my first loan and they had all of the information for the property tax in the original loan. I feel I have been coerced into sign documents under the presumption that my new payment would be {$1100.00} until and my escrow would have the funds I 've deposited through my payments over the last 9 months. I just need to know my rights at this point I ca n't afford to make the payments and come up with the property tax of {$2100.00} by XXXX XXXX and fear I will become delinquent and possibly lose my home. I now have an escrow balance of {$1100.00} that will barely cover my home owners insurance due XXXX leaving {$150.00} to go towards my {$2100.00} property tax bill. They came to me with the streamline refi offer I did n't contact them. If I would have never signed if I was told the truth about what they were really doing I would 've never agreed to the Refi. They knew as stated in the attached email back on XXXX/XXXX/XXXX what my real tax assessment was and included in my estimated payment of {$1300.00}. I tried again to resolve this through their consumer affairs department XXXX/XXXX/XXXX, but they just keep passing me along to other people. XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: GA
Zip: 30060
Submitted Via: Web
Date Sent: 2017-06-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-15
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: On XXXX / XXXX / XXXX we received an escrow statement from our mortgage company. It stated that we were short in our account due to an increase in taxes and that we would need to come up with {$4000.00} to cover the increase. We immediately called our mortgage company they said that they could spread the payment out for 60 months to cover the cost. However, this would still in increase our mortage payment. And we could end up facing another financial hardship if taxes increased in the future. We were also offered the option of refinancing into a conventional loan with 20 % down. Since we do not have 20 % for dnpymnt. They looked into our equity, and found that we do not have any equity in our home. And becuase the seller increased our purchse price by {$25000.00} it depleted any anticipated equity. They looked at possibly removing our PMI, but they found that the terms of the loan had a non-removable PMI that had been planted into the loan 2 years prior to our opening our mortgage. These were loan terms that we had not negotiated or agreed to. We purchased a new XXXX home in XXXX , so obviously we could not have negotiated a mortgage that existed in XXXX . At the time of our purchase the seller, nor the mortgage disclosed to us that we were getting what seems to be " assuming a mortgage. '' It was our understanding that we were getting a new loan with a 30-yr fixed rate. Initially this note was affordable for us, but at this point it is more than we can afford. We even tried talking to our local tax assessor office. We took the homeowner tax exemption, unfortunately, because the taxes are so high, the tax break has minimal reduction in our mortgage payment. Homes our not selling in our area, and yet our taxes are rediculously high.
Company Response:
State: CA
Zip: 93534
Submitted Via: Web
Date Sent: 2017-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-15
Issue: Trouble during payment process
Subissue:
Consumer Complaint: In XXXX of XXXX , we set up auto-pay for our mortgage payments. On XXXX XXXX , XXXX , we received a notice that we were behind on our mortgage {$880.00}. After calling to inquire how that was possible, the CSrep informed us that there was no auto-pay set up and that this was the amount due. I still did n't get a true understanding regarding how we owed {$880.00} already. However, against my better judgement, I sent a check for the amount they claimed was past and the next month 's mortgage payment that was due, which would total approximately {$1300.00}. To my surprise, on XXXX XXXX , I received a check fro m Nationstar for {$32 0.00}, with no explanation about where these funds originated from. I inquired about that and they said it was for a partial payment that was received, I 'm not sure when, and they did n't say when, and I asked the CSrep why it could n't be applied to the balance that was due, since it was already in their possession, and they responded that the balance had to be paid in full. At this point I 'm so confused. I do n't understand why, if a customer owed you, you would send them a refund. From here it does n't get any better. On XXXX XXXX , the check for {$1300.00} was returned with the claim that I now owed {$2700.00}, which would equ als 5.5 mort gage payments and here it was only XXXX . Still, I got no clarification, no answers when I called. So I sent payment of {$2700.00}, as they claimed that I owed, and guess what? This payment was returned as well, I do n't remember the exact date, but it was the middle of XXXX , and now the amount had now risen to approximately {$3100.00}. I called immediately and spoke to CSrep who I asked to give me an explanation and a true, static amount with a solid deadline to pay. He informed me that the {$3100.00} was due before XXXX XXXX and I promised that it would be by the end of the next week. In my mind, all is well, until I get yet another letter with the same statement, and the XXXX returned monies. This letter was received on Saturday, XXXX XXXX , and when I call them this time, they inform me that the account was never brought current ( this was totally NOT my fault ) and that the house was sold on Tuesday, XXXX XXXX . The most interesting & heartbreaking thing is that the date that the funds were rejected, were after the house was foreclosed. No one called and said, we 're not accepting the payment, this is what you need to do, nothing. And I 'd included a note with the payment for someone to call me, with a phone number if there were any problems. Now I 'm losing sleep, feels like I 'm losing myself with everything I 've been through. I just want my house and I have been trying to pay what was owed.
Company Response:
State: GA
Zip: 308XX
Submitted Via: Web
Date Sent: 2017-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-13
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: Nation Start Mortgage ( NMLS : # XXXX ), was the previous holder of my loan. I recently refinanced the loan with another lender. I was never issued the complete refund for the escrow impound account. On the attached document a financial record is shown of the account statement. I received the balance of the statement in the amount of {$1700.00}, however the statement includes a refund of XXXX issued in XXXX o f 2016. I never received this refund, and have requested a check be issued numerous times. Nation Star has agreed to make payment, via conversations, however the check has never been received.
Company Response:
State: CA
Zip: 93021
Submitted Via: Web
Date Sent: 2017-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-14
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Hi, my servicer NATIONSTAR MORTGAGE, LLC is violating my California Home Owners Bill of Rights and other laws and are making fraudulent foreclosure sale on my property. I have been approved for a loan modification with NATIONSTAR MORTGAGE, LLC and have paid them for the Loan Modification Trial Period Payments and they are still placing my home under foreclosure sale scheduled for XX/XX/2017. How are they allowing this fraud to happen. Or are they trying to get what they can out of me and sell my home. Seems like they want to take my trial period payments and not give me a loan modification after. Why would they place my home under foreclosure while Im still in the trial period payment process? I want to work with them and have been for a very long time. After a couple years of working and trying to get a loan modification finally Nationstar Mortgage approved me for a Trial Period Payment Plan. We were very happy to finally see a Trial Period Plan and we were happy to move forward. Our First payment had to be made on XXXX XXXX 2017. I agreed to the Trial Period Payments and sent out my first payment of {$1400.00} to Nationstar Mortgage on XXXX XXXX, 2017 and was delivered on XXXX XXXX, 2017 which they accepted and everything was ok. Next month I sent out the second Trial Period Payment of {$1400.00} to Nationstar Mortgage on XXXX XXXX, 2017 and was delivered on XXXX XXXX, 2017 which they accepted and everything was ok as well. But after making those two payments I received letter in the mail saying that my Loan Modification was denied due to not making the Trial Period Payments. How can this be that after making two payments which they cashed they now are saying that I did not make any payments? I have proof of these payments and now they have placed my home for sale on foreclosure auction set for XXXX XXXX, 2017 ( XX/XX/2017 ). They are clearly in violation of the California Homeowners Bill of Rightsand other laws as well.
Company Response:
State: CA
Zip: 95843
Submitted Via: Web
Date Sent: 2017-06-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A