Date Received: 2017-06-02
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I am being told after getting to the end of the refinance process I will have to have my divorce decree amended before I can refinance. My divorce decree states I have 24 months to pay my exhusband the half owed equity in the home . Nationstar is telling me I have to pay him through the refinance. This is illegal. Nationstar is demanding I pay out my husband through the refinance although legally I do not have to . Nationstar requested I take out a higher loan amount and increase in fees in order to complete their fictitious process. It is a way for Nationstar to continue to hinder home owners by making them take on more debt. Stay away from this company! I should h ave listened to the other comments before choosing this company and wasting over a month of my time.
Company Response:
State: NY
Zip: 14580
Submitted Via: Web
Date Sent: 2017-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-01
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: XXXX XXXX XXXX XXXX, XXXX XXXX/XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Md XXXX My brother was killed ( XXXX ) in XXXX last year on XXXX XXXX. 81 days later my father passed away from a XXXX XXXX/XXXX of losing my XXXX XXXX XXXX XXXX XXXX age XXXX years old. The Army is currently XXXX me under lone survivor to take care of my family deaths.
Nation Star Mortgage Company is the loan # XXXX. They are not recognizing that I am a service member of the XXXX XXXX. I have been denied loan modification and they are proceeding in foreclosure. I wish to stay in the home, I have no where to go. Nation Star mortgage has had home inspector come to resident and I have been harassed numerous occasion. Their home inspectors have pulled in my driveway and yelled pay your " XXXX Mortgage ''. They do n't know the circumstances and the home inspector when I came out into the driveway he reached in his car and got a bat. I told him to leave and called police. Their home inspectors keep pulling in the driveway taking pictures and speeding off. I followed numerous inspectors and told them to stop stalking my house and sitting in front taking pictures for 10-mins. My wife has recently purchased a firearm because of the harassment. Nation Star said their house inspectors, the gentlemen who approached my wife on the property said he was with the bank. I suffer from XXXX I served XXXX XXXX XXXX in XXXX XXXX, XXXX, XXXX and XXXX I have contacted MD sheriff XXXX and he said they are n't allowed to do all this. Sheriff XXXX said their breaking the law for even putting the house in foreclosure status. If they come on your property again we will arrest them for trespassing and advised me not to discharge my firearm unless they try to come in the property. I currently had friend a XXXX Police officer XXXX XXXX XXXX staying with me at the residence to make sure nothing happens anymore. Regards XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXCompany Response:
State: MD
Zip: 216XX
Submitted Via: Web
Date Sent: 2017-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-01
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I am incredibly frustrated with Nationstar Mortgage. Nationstar purchased our loan from XXXX XXXX and there has been nothing but issues ever since. I did not have an escrow account for property taxes, however, they paid our property taxes, in error, and now they are adding this error to our monthly mortgage payment. I have spent countless hours on the phone with them trying to get this resolved, and no one seems to be able to help me. I have tried to clear our escrow account but was told to wait until I was contacted, which I never was.
Company Response:
State: CA
Zip: 94928
Submitted Via: Web
Date Sent: 2017-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-01
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Nationstar added my sister to the mortgage. When I first brought the house to help out my mom the mortgage was in my name and sister XXXX XXXX . Less than a year later XXXX 's name was taken off. My mom 's credit still was n't too good due to divorce, however the bi weekly program, plus deed and taxes was put with my mom 's name XXXX XXXX and XXXX 's was taken off. When Nationstar brought the loan 3 years ago my name was only on the loan, however about 9 months ago Nationstar decided to put XXXX 's name back on the loan. My mom pays the mortgage, which Nationstar has her bank account on file to take out every month. I have tried to refinance either by myself or with XXXX XXXX . But because of Nationstar adding XXXX 's name for no apparent reason we can not do so. XXXX is also very upset because no mortgage company has been on her credit report for over 5 years, now all of a sudden Nationstar is showing up on XXXX credit report. I have sent Nationstar several times all the paperwork without XXXX 's name on it and with my mom 's name on all documentation and they refuse to remove XXXX 's name. Now also my mom usually pays my phone, but now they wo n't even allow that. My mom has called in paying since we first tried to refinance and stopped the biweekly. Their customer service people are very unknowledgeable and can not even sp eak English clea rly. Also I have asked them several times and sent them documentation that I would pay my own homeowners insurance, as they are thiefs in my eyes. My homeowners went up {$9.00} a year in XXXX Nationstar raised my rates by over {$12.00} a month because of this.
Company Response:
State: NJ
Zip: 085XX
Submitted Via: Web
Date Sent: 2017-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-31
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I am writing to dispute the following information in my file. The essence of my complaint is that my Mortgage Servicing Agent, Nationstar Mortgage, XXXX , TX ( Nationstar ) acco unt # XXXX misapplied 2 months worth of regular mortgage payments in 2013, has sin ce returned the funds to me, but will not remove the erroneously reported missed/late payments from my credit history or recognize regular installment catch up payments, instead insisting I pay penalties and interest which have accrued on my loan in arrears. Details are attached :
Company Response:
State: OH
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-31
Issue: Trouble during payment process
Subissue:
Consumer Complaint: First. Nationstar is in the ACT of Dual-tracking, I attached the foreclosure petition by Nationstar attorneys. Currently nationstar has a complete modification pending, in fact I appeal their wrongful denial on XX/XX/XXXX and attached. I received no written response from nationstar but they received my appeal by fax email and mail. Attached is proof of the foreclosure petition filed and served and concluding nationstar in the ACT of wrong doing by Dual-Tracking ( Filing a foreclosure complaint while pending modification review ) I have always had a pending application with nationstar. See attached proof!
This is my 2nd complaint against Nationstar, I have been getting wrongfully denied HAMP FHA Partial claim/combo since early XXXX . Just denial letter after denial, I attached my most recent appeal with proof from FHA mortgagee letter XX/XX/XXXX and supplemental directive XXXX . My complaints involve Numb er 1 Dual-tracking and number 2 wrongful FHA HAMP PARTIAL CLAIM COMBO DENIAL. IN FACT, NATIONSTAR HAS N'T REVIEW ME EVER FOR A PARTIAL WITH ALL THEIR DENIALS SINCE EARLY XXXX . THIS IS HRRIBLE, I AM BEING DISCRIMINATED AND NOW THE LENDER IS DUAL-TRACKING TRYING TO ILLEGALLY FORECLOSE. XXXX FYI ATTACHED IS THE PROOF OF THE FORECLOSURE PETITION I WAS SERVED WITH A FEW DAYS AGO BY NATIONSTAR, IT PROVES THAT NATIONSTAR IS DUAL-TRACKING, SEE ATTACHED MY APPEAL SENT AND DATED XX/XX/XXXX CURRENTLY UNDER REVIEW WITH NATIONSTAR. THERE SHOULD NOT BE A FORECLOSURE PETITION BECAUSE I AM IN THE MIDDLE OF A LOAN MODIFICATION REVIEW AND DISPUTE. PLEASE PROVIDE CONSUMER PROTECTION DUE TO NATIONSTAR AND THEIR ATTORNEYS FRAUDELENTLY TRYING OBTAIN JUDGEMENT OT FORECLOSURE WHILE PENDING MODIFICATION REVIEW. AGAIN, THERE SHOULD BE NO LEGAL ACTION STARTED BY NATIONSTAR CONSIDERING THE # 1 WRONGFUL DENIAL AND MOST IMPORTANTLY MY MORTGAGE ASSISTANCE APPLICATION IN REVIEW AND APPEAL IN DISPUTE WITH THE DENIALS. NATIONSTAR IS PURPOSELY DENYING ME ASSISTANCE AND SINCE XX/XX/XXXX PER ATTACHED XXXX , I AM ELIGIBLE FOR FHA HAMP PARTIAL CLAIM AND COMBO. AND THE BACK END RATIO DEBT TO INCOME OF 55 % WAS ELIMINATED SO HOMEOWNERS COULD QUALIFY EASIER FOR FHA HAMP PARTIAL CLAIM. FINALLLY, THE DENIAL SINCE EARLY XXXX BY NATIONSTAR ARE FRAUD ACCORDING TO FHA MORTGAGEE LETTER XXXX , IN WHICH NATIONSTAR IS A PARTICIPATE. ALSO TAKE INTEREST TO BORROWER SOLICITATION IN WHICH NATIONSTAR IS IN VIOLATION AGAIN!!!Company Response:
State: NJ
Zip: 07501
Submitted Via: Web
Date Sent: 2017-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-31
Issue: Trouble during payment process
Subissue:
Consumer Complaint: ***CRIMINAL INTENT BY CEO*** PLEASE NOTE THAT THESE LEGAL VIOLATIONS ARE KNOWN AT HIGHEST LEVEL AND WERE FULLY SUPPORTED BY THE CEO MAKING THE INTENT CRIMINAL. HE AND THE STAFF HAVE COPIES OF THE LAWS ( UPLOADED VIA EMAIL TO THEM TO PRVENT THE " DID N'T KNOW '' DEFENSE ) AND XXXX XXXX HAS KNOWINGLY VIOLATED THEM IN AN ATTEMPT TO DFRAUD THE FHA AND U.S. GOVERNMENT. ATTN CFPB ... I HAVE BEEN INVESTIGATING NATIONSTAR FOR 2 YEARS NOW AND HERE IS YOUR DETAILED LIST OF DOCUMENTED CRIMES. I HAVE HARD EVIDENCE OF EVERY CRIME. # 1 ) LOAN ORIGINATION FRAUD ... # 2 ) KNOWINGLY IGNORING TRUTH IN LENDING ACT # 3 ) REAL ESTATE SETLLEMENT PROCEDURES ACT # 4 ) FAILURE TO MAIL ACCURATE STATEMENTS # 5 ) LYING TO CONSUMER AND INTENTIONALLY MISLEADING THEM ABOUT A FORECLOSURE WHILE FORECLOSING BEHIND THEIR BACK {$6.00} ) ADDING RANDOM AND ILLEGAL FEES AND USING THESE FEES AS A JAUTIFICATION FOR FORECLOSURE # 7 ) COLLECTING PRINCIPLA WITHOUT PROPER CREDIT # 8 ) BILLING A CUSTOMER FOR ATTORNEY FEES IN AFORECLOSURE THEY SAID WAS NOT HAPPENING, AND ADDING THESE ILLEGAL FEES TO THE PRINCIPAL ILLEGALLY. WE HAVE THEM IN WRITING CLEARLY STATING THERE IS NO FORECLOSURE ONTHIS ACCOUNT, # 9 ) 100 % FRAUD IN CUSTOMER SERVICE. NO RETURNED PHONE CALLS. NO QUESTIONS ANSWERED WHEN IT IS NOT IN THEIR FAVOR # 10 ) KNOWINGLY SELLING A HOME THEY DID NOT LEGALLY OWN ( XXXX XXXX XXXX XXXX, FL WAS NEVER PROPERLY FORECLOSED AND NATIONSTAR NEVER OWNED IT BUT THEY DID SELL IT THROUGH THEIR XXXX DIVISION KNOWING IT WAS NOT THEIRS. # 11 ) MAILING ILLEGAL DEMAND LETTERS AND USING SCARE TACTICS ... WE HAVE EVIDENCE OF NATIONSTAR REQUESTING 5 MONTHLY PAYMENTS WHEN A LOAN WAS JUST OVER 30 DAYS BEHIND. I BELIEVE THEY WERE FINED FOR THIS ALREADY # 12 ) ESCROW FRAUD INCLUDING EMBEZZLEMENT # 13 ) FAILURE TO MAIL MONTHLY STATEMENTS AS REQUIRED BY LAW # 14 ) LYING TO THE FEDERAL GOVERNMENT ABOUT COMPLAINCE # 15 ) LYING TO THE GOVERNMENT ABOUT ADDRESSING LEGAL ISSUES # 16 ) LYING TO CONSUMERS DAILY # 17 ) LYING ABOUT OWNERSHIP OF LOAN ... NATIONSTAR CLAIM TO BE A GOVERNMENT ENTITY WHEN COLLECTING # 18 ) FAILURE TO FOLLOW FLORIDA STATE CONSUMER LAWS # 19 ) FAILURE TO FOLLOW US CONSUMER LAWS # 20 ) FAILURE TO FOLLOW REAL ESTATE LAWS THERE WERE NUMEROUS INDIVIDUAL LEGAL VIOLATIONS BY HIS STAFF BUT THESE ARE CLEARLY ENDORSED AND THE EMPLOYEES ARE FOLLOWING INSTRUCTIONS. ALL OF THE EVIDENCE POINTS TO XXXX XXXX INSTRUCTING XXXX XXXX TO CONTINUE THE CRIME SPREE. NATIONSTAR HAS AN F RATING WITH THE BETTER BUSINESS BUREAU AND THEY HAVE A HORRIBLE CUSTOMER SERVICE RECORD BECAUSE THEY HAVE NEVER FOLLOWED THE LAWS ... PEOPLE KNEW THEY WERE BEING SCTEWED OVER AND THE CRIM HAS CONTINUED UNABATED. 371. Conspiracy to commit offense or to defraud United States If two or more persons conspire either to commit any offense against the United States, or to defraud the United States, or any agency thereof in any manner or for any purpose, and one or more of such persons do any act to effect the object of the conspiracy, each shall be fined under this title or imprisoned not more than five years, or both. If, however, the offense, the commission of which is the object of the conspiracy, is a misdemeanor only, the punishment for such conspiracy shall not exceed the maximum punishment provided for such misdemeanor. 924. Defrauding the Government of Money or Property Under 18 U.S.C. 371 the act of defrauding the government of money or property may take many forms, including the inducement of payment for services or supplies not provided or provided at inflated prices ; for work for which the government is not responsible. United States v. XXXX, XXXX XXXX XXXX ( XXXX XXXX ) ; United States v. XXXX, XXXX XXXX XXXX ( XXXX XXXX ) ; and of money or property to which the applicant is not lawfully entitled because of the applicant 's status. 18 U.S. Code 1344 - Bank fraud 1344. Bank fraud Whoever knowingly executes, or attempts to execute, a scheme or artifice ( 1 ) to defraud a financial institution ; or ( 2 ) to obtain any of the moneys, funds, credits, assets, securities, or other property owned by, or under the custody or control of, a financial institution, by means of false or fraudulent pretenses, representations, or promises ; shall be fined not more than {>= $1,000,000} or imprisoned not more than 30 years, or both.
Company Response:
State: FL
Zip: 34293
Submitted Via: Web
Date Sent: 2017-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-30
Issue: Trouble during payment process
Subissue:
Consumer Complaint: On XXXX XXXX , 2017 I asked Nationstar Mortgage to terminate PMI on our mortgage since we reached the 80 % LTV ( {$380000.00} appraised value - $ {$300000.00} mortgage balance ). A new appraisal had been completed confirming that multiple upgrades had been completed after we had purchased our home which increased the value. I spoke to the PMI department including a supervisor and was denied verbally because the investor rules were 75 % LTV from the original home value for PMI to be terminated. After a lengthy discussion on the Affordable Housing Act and the CFPB, I was finally given an email address to send an appeal for the denial to be reviewed. The first email address I was given did not work ( XXXX ) and I had to call a 2nd ti me to get another email address that worked. I sent the email requesting the appeal with a copy of the appraisal, CFPB 's XXXX bulletin, and a request PMI be terminated. This all occurred on the same day XXXX XXXX . I had not received a response so I called today, XXXX XXXX , 2017 to inquire about our appeal to the PMI department and was told that our appeal had been denied. I asked why I had n't received anything in writing and was told they mail denials in bulk and my letter has not been mailed yet. XXXX , my PMI agent today, said he was able to get a copy of the letter and will mail the letter today. After explaining that I will be filing a complaint with the CFPB, XXXX asked if I wanted to speak to a supervisor but told him no since it did n't work the last time I spoke to a supervisor.
Company Response:
State: NV
Zip: 89002
Submitted Via: Web
Date Sent: 2017-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-30
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My house payment includes taxes and insurance. My mortgage was transferred from XXXX XXXX XXXX to Nationstar Mortgage on XXXX. With Nationstar my escrow payment has been XXXX, it has increased to XXXX as of XXXX XXXX. I contacted the company on XXXX, and spoke to XXXX, located in California, to find out why this has happened. I got 2 different reasons, and neither one made sense to me. I asked to speak to a supervisor, was on hold for approximately 5 minutes, then was told he could n't reach the supervisor. I asked him what government agency oversees mortgage companies, he told me Nationstar could do that internally. I declined, and I stated I wanted to use a Government consumer agency, and we ended the call. Also, they are changing their name from Nationstar Mortgage to " XXXX XXXX '', not XXXX XXXX Mortgage, just ... XXXX XXXX. That sounds like a scam to me, or some other illegal operation. I have attached the records of my payments, and what I believe, is the inflated escrow charges. Thank you for any help you can give me. I will also file a claim with the Consumer Protection Bureau, and the Oregon Department Of Justice Financial Fraud Department. Sincerely, XXXX
Company Response:
State: OR
Zip: 97756
Submitted Via: Web
Date Sent: 2017-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-30
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My mortgage was sold to Nationstar Mortgage Servicing 2 months ago. Today I received a phone call from XXXX . I was told it was Nationstar Mortgage and I was on a recorded lone. I was told it was a mortgage check up and I needed to verify my mortgage information. I asked " Is this a sales call '' the answer was " NO ''. the person told me to hold while he got a mortgage person on the line. When he returned to the call I asked why the call was coming from a XXXX XXXX number and where he was located. He said XXXX , Tx and he thought it was because it was an internet phone. He transferred me to XXXX XXXX NMLS ID XXXX who immediately went into sales mode. I stopped him asking him if it was a sales call or a mortgage check up verifying information. he said it was sales. I lectured him for a few minutes about them as my servicer can not " spoof '' a phone number and they can not deceive / lye about the purpose of their call. He defended it briefly then he said he would place me on a do not call do not send US mail list. I asked for his supervisor after he made excuses for the " XXXX '' phone number. He transferred me to XXXX XXXX NMLS ID XXXX . XXXX also defended the " XXXX '' area code number saying " if the guy is in XXXX he can not use his phone number ''. I XXXX the phone number it does not come up as ANYTHING remotely close to Nationstar. XXXX went on o say they had recently acquired a mult i billion d ollar portfolio of mortgages. I said then chances are Nationstar is breaking the law hundreds of times each day with they " verify mortgage info calls ''. I told him that several laws were being broken and I would be filing a complaint.
Company Response:
State: LA
Zip: 70817
Submitted Via: Web
Date Sent: 2017-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A