Date Received: 2017-06-14
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Since XXXX of 2014, Nationstar Mortgage has been telling me I 'm in default, then they send me thousands of dollars in in check saying my escrow is in excess, then they sent me notice that my escrow account is in default ... I have been fighting with them every two to three months explaining their XXXX and getting my account back in order and balanced ... I 've emailed the attorney general and the better business bureau of Texas, with no results or no response at all ... I am in the process of changing mortgage companies to get out from under Nationstar Mortgage but, now there telling me I 'm a month behind according to the attached letter ... I 've literally had to call and battle with these people upwards of thirty times ... I do n't know what to do now as these people cant understand their own reports ( see attached ) ... They have processed my XX/XX/XXXX payment but are telling me it is due its still due ... additionally they have been stealing money from my payments for late fees but, I have never missed a payment since day One ... I need help in order to complete my refinance ... ( docs attached )
Company Response:
State: NH
Zip: 03103
Submitted Via: Web
Date Sent: 2017-06-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-07
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Do n't know who XXXX , or GreenLight Financial is, nor have I authorized, or signed ANY application for ANY credit inquiry for XXXX , or Greenlight Financial on behalf of Nationstar Mortgage!!! I have been in receipt of credit inquiries for the dates of X/X/2017 , X/XX/2017 , and X/XX/2017 via credit alert coverage that I have through XXXX / XXXX . I have had my identity compromised, and have filed a Identity Theft report ( at tached ) with my local police.
Company Response:
State: CA
Zip: 902XX
Submitted Via: Web
Date Sent: 2017-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-11
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I am writing this complaint in regard to my mortgage compa ny Nation Star. I applie d for the HAMP ( Home Affordable Modification Program ) bac k in XXXX XXXX . I faxed documents and the mortgage company took more than a month to respond to me and when they did they asked for documents that I had already sent to them. This went on for more than 2 months and each time they would say, we have n't received it or this is the lat thing we need to determine your eligibility.
So in XXXX XXXX I re faxed everything again along with update bank statements and pay stubs. Fast forward to XXXX XXXX and they now tell me I do not quality because the program has expired in XXXX XXXX and they have put me in their own in house standard modification program where it decreases my payment by $ XXXX {$15.00} per month. This is not a modification nor what I applied for. This is ILLEGAL and in direct violation of RESPA as well as many state and federal banking laws. Upon doing research and contacting friends that work in the mortgage industry, I learned that the Home Affordable Modification Program the ( HAMP ) progra m did not expire until XXXX XXXX , XXXX , the last day to submit applications, and the Modification effective date must be on or before XXXX XXXX , XXXX . Based on these dates, I certainly qualified. Nation star is trying to take advantage of me and my situ ation. By dragging their feet, until the deadline expired and using this as an excuse not to process my HAMP request, which I know I qualify for due to my decrease in income and upside down property value.Company Response:
State: NJ
Zip: 080XX
Submitted Via: Web
Date Sent: 2017-06-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-10
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I filed a complaint on XXXX XXXX, 2017 and have not a response mailed to me by Nationstar. What is their problem? I filed a complaint against them and I demand an answer to my complaint, in writing from them immediately!!
Company Response:
State: VA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-06
Issue: Trouble during payment process
Subissue:
Consumer Complaint: We have experienced issues with our mortgage servicing company, Nationstar. Our mortgage was transferred from another mortgage servicing company to Nationstar in XX/XX/XXXX Prior to the transfer, the other mortgage servicing company had overcharged us in XX/XX/XXXXbecause they had not accounted for a makeup payment we had made to our escrow. I had talked with the other mortgage servicing company in early XXXX about applying the overpayment amount to our principle. They did not do this before our mortgage was transferred to Nationstar. In XXXX, I notified Nationstar of this error and they made the change and reapplied all the payments that occurred in the interim. The very next automatic monthly payment that was made to Nationstar was erroneously applied to principle only. I did n't catch this until I noticed my Tax form showed a lower than expected interest paid in XXXX. InXX/XX/XXXX, I contacted Nationstar about this erroneous principle only payment and again Nationstar had to reapply all of my monthly payments dating back to XX/XX/XXXX Again (! ) the very next automatic monthly payment that was made to Nationstar was erroneously applied to principle only. It is now XXXX, and seeing that my Escrow balance is now short and I am being asked to make a makeup payment, I have contacted Nationstar and pointed out this issue again. I have talked with a call center supervisor and strongly suggested they elevate this issue as it appears to be a bug in their system that is causing mortgage payments to be misapplied after a correction is made. I hope they do so. My concern about this issue is that if I were not diligent in keeping track of how Nationstar is servicing my mortgage loan, the loan holder could have come after me for skipping an interest payment on my mortgage because of Nationstar 's error. I worry that others may have fallen victim to this error. I also worry that without accountability, Nationstar will not fix this issue and even more mortgage payers will have to deal with the problems this error creates. It boggles me that Nationstar 's sole responsibility is to make sure my monthly payments are applied to my mortgage properly and they ca n't get it right.
Company Response:
State: WA
Zip: 99362
Submitted Via: Web
Date Sent: 2017-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-06
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Nationstar Mortgag e ( Loan # XXXX ) pai d, early, to XXXX XXXX XXXX , our annual premium. At the time, we were in the process of refinancing and changed our insurance company to XXXX XXXX .
XXXX XXXX assured us they had refunded the money to Nationstar and that the {$490.00} would be refunded to us " in several days. '' This was on the XXXX of XXXX . Nationstar continues to send us auto-responses that say they 'll get it taken care of " within 30 days, '' but that date has come and gone. In addition to the {$490.00} that was sent to the wrong company ( our new mortgage holder paid the premium when we refinanced, so the refund is due to us ), there is an additional {$130.00} and change due that was a overage they collected during the year. Nat ionstar claims they cut that check on XXXX XXXX , but we have not seen it. We have no disposable income and were counting on the {$620.00} to offset most of our XXXX mortgage payment. Unfortunately, we had to pay it without having that money and we are at risk of being overdrawn in our checking account. Please help us. We 're just plain working people trying to stay afloat in this perilous, uncertain world. XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXXCompany Response:
State: AZ
Zip: 85304
Submitted Via: Web
Date Sent: 2017-06-06
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: Short sale is in the process of negotiations and Nationstar proceeded with a foreclosure. Tenant occupied and did not give proper notice or offer move out assistance.
Company Response:
State: AZ
Zip: 85713
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: This is our second complaint. Nationstar Mortgage promised on XXXX XXXX to expedite our refund - the woman on the phone told us they were sending the refund TO US. Now, they say they 're sending it to the new mortgage holder with whom we have no relationship at this time. This is entirely unacceptable and is theft.
Company Response:
State: AZ
Zip: 85304
Submitted Via: Web
Date Sent: 2017-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-05
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I had 2 or 3 misapplied payments at the beginning of this year. And Nationstar stated they was checking into and I was also trying to apply for a modification. However, I was told no to worry bout misapplied payments and they will adjust them with the new modified loan. I recurred the package in XX/XX/XXXX and mailed in XX/XX/XXXX and at the XX/XX/XXXX they stated the lender was not allowing me to re modifify again. By that time I was about 4 months XXXX, I hadappkief for assistance from home save and I mailed my package and I answered or phone back from them
Company Response:
State: GA
Zip: 30038
Submitted Via: Web
Date Sent: 2017-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-09
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I was notified by XXXX that NationStar Mort gage LLC reported that I was 30 days delinquent on my mortgage payment in XX/XX/XXXX and 60 days late in XX/XX/XXXX . My full mortgage payment was made in XX/XX/XXXX , then a partial payment of {$1000.00} in XX/XX/XXXX , then the full amount owed in XX/XX/XXXX . A list of dates and payments to NationStar Mortgage LLC are be low : XX/XX/XXXX {$2400.00} XX/XX/XXXX {$2500.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$6000.00} XX/XX/XXXX {$2600.00} XX/XX/XXXX {$2300.00} XX/XX/XXXX {$2300.00} I understand th at they may report that I was 30 days late in XX/XX/XXXX , but not 60 days late. I have tried to resolve this with NationStar Mortgage LLC but have not received a res ponse. The timeline is below : XX/XX/XXXX - Called NationStar - A co mplaint was filed with the Research Dept by NationStar, loan payment history received from XXXX XXXX ( Customer Service Admin Support ) at Nationstar XX/XX/XXXX - F ollowup email to XXXX XXXX ( C ustomer Service Admin Support ) at Nationstar w ith my payment history from the bank - No response XX/XX/XXXX - F ollowup email sent to Research Dept a nd XXXX XXXX ( C ustomer Service Admin Support ) at Nationstar requesting status update - No response XX/XX/XXXX - Followup email sent to Research Dept a nd XXXX XXXX ( Customer Service Admin Support ) at Nationstar requesting status update - No response
Company Response:
State: MD
Zip: 20715
Submitted Via: Web
Date Sent: 2017-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A