Date Received: 2017-05-10
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: The borrower applied for a modification in XXXX 2016 and was denied because " There was an irreconcilable discrepancy in the application ''. That was the only statement. The borrower had to have a law firm write a letter to learn what the discrepancies were. The borrower applied for another modification with letters of explanation for the discrepancy. The borrowers were denied in a letter with the exact same sentence, " There was an irreconcilable discrepancy in the application ''. The borrowers used this attorney to speak with the banks ' foreclosing attorney via a lengthy email chain to determine what those discrepancies were. They were the same discrepancies addressed in the letters of explanation that were submitted by this law firm to the bank.
Company Response:
State: FL
Zip: 33441
Submitted Via: Web
Date Sent: 2017-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-10
Issue: Trouble during payment process
Subissue:
Consumer Complaint: 1 month after escrow analysis was completed on my account, my next 3 month bills were billed an additional {$5.00} with no indication of where the increase amount came from on any statements. I called cust omer service and spent over an hour and a half on the phone trying to figure out WHY I was charged this additional amount. The agent continued to claim she could n't find any reason but her and manager thought it was probably related to PMI being removed and hazard insurance decreasing ( which did not explain the increase in my bill nor why the increase happened AFTER escrow analysis ). After speaking with escrow dept, my customer service agent finally reported that there was " a glitch in our escrow system that affected many other accounts as well. '' Nationstar 's clients who were affected by this " glitch '' need to be made aware and refunded ASAP. It has been 3 months since the " glitch '' with no correction nor refund issued from Nationstar. The manager who was suppose to return my call never did.
Company Response:
State: OR
Zip: 970XX
Submitted Via: Web
Date Sent: 2017-05-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-09
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: We where in a modification with Nation Star Mortage. We had last trial payment due. When the payment was processed We discovered that someone had stole our identity on our accounts and filed Tax returns for 2016. I explained to Nation Star about this and sent a letter of explanation. I did n't want a modification but for them to reinstate the loan moving forward. We have placed fraud alerts on our accounts and are trying to get this back in track. We have equity in our home. So the loan to lend ratio is solid. I am just asking to reset and move forward this was never an issue with making payments on the mortga ge. Four payments w ere made prior to this identity fraud.
Company Response:
State: KY
Zip: 405XX
Submitted Via: Web
Date Sent: 2017-05-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-09
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My mortgage was bo ught by Nationstar from XXXX XXXX in XXXX . M y Trust handled by my attorney set up automatic payments through my bank not through Nationstar. It was on auto pay for 19 months, then with no warning they blocked my payments. My bank informed my atty that it would not accept pyt. By the time it was caught and my bank called Nationstar they then accepted the two payments but did n't remove the 2 lat e payments from credit. They stopped the auto pay when I was refinancing somewhere else. As I was about to close on the new mortgage Nationstar sta ted they no explanation why they took it off the auto pay making me late, now unfairly forced in to a 6month modi fication instead of a refi. 10.25 % on a XXXX $ loan done by dad is too high. This was an inheirted predatory loan by XXXX XXXX done in XXXX with my dad. There are 3yrs m issing from the loan. I have documentation shows XXXX not XXXX , payments are missing that I have receipts for, I have ample evidence from XXXX including newspaper articles, insurance papers, government papers all showing the Mortgage in XXXX . Nationstar has been alerted to this however, they still blocked auto pay after 19 months no warning or explanation why. I was also in accident during this time, had no concerns as it was on auto pay all this time. Even with po! ice reports and hospital notes, they still made me late on purpose to stop my refi with another company. I was told by Nationstar not to waste my time trying to refi with them to go elsewhere, now I 'm forced to a modification, 6months and still no answer. The two pyts they blocked are now on my report, they should remove tho se so I can refi. They stopped automatic payments after 19 months?? then said I was late. Also payments missing I requested my payments history that 's when I found missing paymen ts and 3 yrs mi ssing off mortgage from XXXX XXXX . I just wanted a better rate than over 10. % they do not have my original loan documents from XXXX XXXX , I still have documents not signed by my dad. He passed in XXXX . XXXX XXXX wanted me to proceed with a modification after his death under his name and I XXXX ! ined. Now since XXXX did this, instead of refi I 'm 6months in to a modification. Still waiting.
Company Response:
State: TN
Zip: 38053
Submitted Via: Web
Date Sent: 2017-05-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-09
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: for 8 years i have been trying to get a proper rate and terms from my mortgage company. They are taking half my income when 31 % is really all they are allowed to take. i have XXXX loans the first loan is {$200000.00} with almost 10 % interest for 55 or 60 years no one really knows, and i have a second loan that i got at the same exact time for {$50000.00} that has almost 11 % interest for 30 years i was told. I am now 3 months behind and NationStar has still done nonthing but tell me i signed the paperwork. {$2400.00} is roughly my total payment every month and if you do the math that comes out to {$230000.00}, and all but {$3000.00} has gone toward interest.
Company Response:
State: OH
Zip: 439XX
Submitted Via: Web
Date Sent: 2017-05-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-09
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I was given a misleading " loan modification '' by Nationstar Mortgage. What they gave me was a loan forebearance, disquised as a loan modification ( see the attached documentation ). My payment for the initial two years has been {$1600.00}. I received a notification " of the successful complettion '' of my loan modification, and informed that my new payment effective XXXX XXXX , will be {$6400.00 } ( an increase of over 400 % ). NationStar tol d me that I qualified for a new affordable payment, and that it would be extended if I made my payments on time. All payments have been made on time. This is a consumer loan. A loan on my personal residence. I can understa nd a 25-50 % increase. A 400 % increase is criminal and must also be a violation o f Dodd Frank laws. The irony of this situation is that my original countrywide loan was an adjustable loan at 2.00 % over 12 month treasuries ( currently under 3 % ). Had the loan never been " modified '', My payment would be several thousand dollars less than they expect me to pay them in XXXX . My loan balance also significanty less than it currently is. They also want me to pay back the entire loan, over the remaining 19 years. I have written to th e Chairman and CEO, and have not been offered a solution. If their intention was to push me into a short sale, why did they trick me into making payments to them in good faith, over the past two y ears? There is no equity in my proper ty ( it 's w orth {$100000.00} less than the current loan balance ). Unfortunately refinancing with another lender is not an option. I 'm sure that I 'm not the only Nationstar customer that in this situation. I 've attached all supporting documents.
Company Response:
State: CA
Zip: 90024
Submitted Via: Web
Date Sent: 2017-05-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-08
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: My wife fell sick in middle of XXXX this year. Doctors put her off work indefinitely to treat the cause of her sickness. Me and my wife are sole earners and we both contribute to pay for our mortgage. We contacted our mortgage company and informed them we will only be able to pay half of XXXX 's payment. We explained our hardship to the company and they suggested to apply for loan modification. We agreed and we were instructed to submit the paper work. It took whole month of XXXX to complete the required documentation. We were only able to pay half of XXXX month 's payment. We were told it would take 30-45 days to process the modification. We got a letter from the mortgage company last week dated XXXX XXXX , 2017 that modification was declined because default not imminent / default status not eligible. The reasons gi ven : 1 ) We are current on our mortgage ... .Where as we are {$5300.00} behind as XXXX statement. 2 ) Financial hardship not documented that reduced income ... .my wife gets paid less than half of regular wages from XXXX insurance. 3 ) We have sufficient net income to pay current mortgage ... ..We submitted our income and expenses report which showed our total expenses could not meet the income. 4 ) We have enough cash reserve ... ..We stated in the income report that we have less than {$500.00} cash in the bank.
Company Response:
State: CA
Zip: 91387
Submitted Via: Web
Date Sent: 2017-05-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-08
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Notice to Agent is Notice to Principle and Notice to Principle is Notice to Agent 1. i : a man, XXXX fired all civil servants, first attachment, which is the pink sheet that i : fired all civil servants. 2. Even t hough, i : fired all civil servants, strangers to transactions are attempting to make a theft of my home on XX/XX/XXXX , when there is no relationship between me and any and all of them. 3. 2nd att achment if my Certificate of Allodial Title, EVERYTHING deemed " legal '' is null and void upon violation of ANY " Maxim '' o f " Law '' ... and what is the prime directive in honoring " the Law? '' DO NO HARM!!! Any " instrument '' ever created, that used in any way to supersede or transcend, or otherwise " override '' and " subjugate '' that most-basic premise o f Law ( thro ugh which ALL " legalities '' are bound ) is undeniably " criminal-by-design '' and thereby moot unde r " Law. '' 4. SEC TION 181 2.600-1812.610 -- TITLE 2.95. AUCTIONEER AND AUCTION COMPANIES, 1812.600. ( a ) Every auctione er and auction company shall maintain a bond issued by a surety company admitted to do business in this state. The principal sum of the bond shall be XXXX XXXX dollars ( {$20000.00 } ). A copy of t he bond shall be filed with the Secretary of State. ( b ) The bond re quired by this section shall be in favor of, and payable to, the people of th e State of Californi a and shall be for the benefit of any person or persons damaged by any fraud, dishonesty, misstatement, misrepresentation, deceit, unlawful acts or omissions, or failure to provide the services of the auctioneer or auction company in performance of the auction by the auctioneer or auction company or its agents, representatives, or employees while acting within the scope of their employme nt. ( c ) ( 1 ) No auctioneer or auction company shall conduct any business without having a current surety bond in the amount prescribed by this section and without filing a copy of the bond with the Secretary of State. ( 2 ) Thirty d ays prior to the cancellation or termination of any surety bond required by this section, the surety shall send a written noti ce of that cancellation or termination to both the auctioneer or auction company and the Secretary of State, identifying the bond and the date of cancellation or termination. ( 3 ) If any auctioneer or auction company fails to obtain a new bond and file a copy of that bond with the Secretary of State by the effective date of the cancellation or termination of the former bond, the auctioneer or auction company shall cease to conduct any business unless and until that time as a new surety bond is obtained and a copy of that bond is filed with the Secretary of State. 5. on XX/XX/XXXX , these people are attempting to make a theft of my home, a sovereign land protected by international laws of land patent, signed into law by the president of the United States of Americ a , see : XXXX XXXX XXXX XXXX XXXX XXXX 6. i : never borrowed any monies from these people who have falsified instruments in criminal violation of law with monetary and prison times. 7. See lawf ul Notices : Third attachment which is my Common Law Lien on the property XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , California Republic wh ich is a possessory lien that entitles me to well over {>= $1,000,000} to let go of my property. i : have reserved the right to increase my common law lien on the property by at lea st 2 X, meaning you will be responsible to me for well over {>= $1,000,000} if you think that you purchased the property by paying monies to the thieves dressed as foreclosure trustee. Common law liens have been codified in California statue, see XXXX XXXX XXXX XXXX XXXX XXXX Fourth attachment is Declaration of Custodian of Records at XXXX XXXX XXXX XXXX XXXX , under Oath, that there was no money transaction for my property in XX/XX/XXXX , XX/XX/XXXX or XX/XX/XXXX fr om any of the parties or their co parties, agent ( s ) p rinciples to me for my property, whatsoever. Fifth attachment is Declaration of ex polic e officer and currently pr ivate investigator t hat XXXX XXXX XXXX XXXX XXXX the company who has filed for a false and fraudulent Deed of Trust in XXXX XXXX County R ecorder surrendered to California Secretary of State i n XX/XX/XXXX , therefore it did not exist to give me a loan for my property in XX/XX/XXXX . Additionally, all payments on a non existing loan to me have been received on continuous basis and there has never been any default. Sixth attach ment is proof that the alleged non existing loan was liquidated to unknown parties on XX/XX/XXXX and these criminals are trying to sell what they never had, again in an auction to other parties. Since all have been on notice, the pretender purchaser of the property is liable to me for all my damages, obtained from Absnet. Seventh Attachment is my affidavit of revocation of power of attorney filed in California Secretary of State, the foreclosure trustee does not have my consent and does not have any authority to sell the property. i : have also rescinded the alleged transaction and perfected my rescission as of XX/XX/XXXX which has also been filed in California Secretary of State . Eight attach ment supports my unique property being part of a land patent that by law can not be leined on and foreclosed on. See the copy obtained from bureau of land management and its true and correct translation under Oath. This fact has been signed into law by the President of the United States of America. My pr operty is protected from any adverse claims, because it is sovereign and there is a land patent on it. Ninth attachment is my demand for payments due to fraud from XXXX XXXX XXXX , NATIONSTAR MORTGAGE LLC and XXXX XXXX XXXX . for 3 X th e amount of fraud on both the first alleged loan and the second alleged loan ( HELOC ) a lso filed in California Secretary of State. 10th attachment are three of my no tices of not being available due to sickness caused by these group of known international money launderers dressed as banks, signed by my license d physician that if i : do not stay off the computer for a minimum of 6 weeks, i : ris k becoming XXXX and cause long term XXXX . These people knew that i : was sick and still i am suffering from with severe XXXX , XXXX and XXXX XXXX , refractory to conservative care. That i : also have right XXXX XXXX XXXX , that i : am pushed to work in defending my home against theft caused by the pretender lenders, to the detriment of my health, that my symptoms continue despite XXXX XXXX and medications, that i : require rest and i : need to refrain from working at his computer for periods of time, or i : may be r isking long term damage, that my physician requi red me to reduce my computer work for at least six w eeks. The servicer and their attorneys were well aware of my sickness, instead of being sympathetic with my pain and suffering, and the fact that i : am taking care of my XXXX XXXX XXXX mother who is XXXX and lives with me, they increased their unlawful pressure on me to maliciously cause more economical, emotional and physical damages to me. PLEASE HELP STOP THE FRAUDULENT SALE BY THE THIEVES.
Company Response:
State: CA
Zip: 95070
Submitted Via: Web
Date Sent: 2017-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-08
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I am XXXX XXXX XXXX with XXXX XXXX . After a year or more performing loss mitigation, I got approved for a loan modification, I have been paying mortgage payments diligently and recently I received a check send back for XXXX Mortgage saying that the total amou.nt required to bring this account current is {$30000.00}. I dont agree with them that the Modificaiton i s not compIeted because they already received Modification Agreement with Notarized Signatures and Modificaiton Deed of Trust signature. Nationstar is u nfair and NON- compliant.. As requested on letter dated XXXX XXXX , XXXX for XXXX Mortgage payment, I made the payment in the amount of {$1400.00} to Nationstar, in their request due to additional fund is needed. Why is it being send back when I am doing what they have asked? Not only that they are asking for {$30000.00} to bring the account current. XXXX is lying and tricky. At this point I am on XXXX XXXX and XXXX , where in the world do I get {$30000.00} to pay them? They already sent out apology letter and will honor the modification.
Company Response:
State: CA
Zip: 92833
Submitted Via: Web
Date Sent: 2017-05-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-08
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I just wanted to put in a complaint about the hard Inquiries that are affecting my credit score I have not given authorization to half of these lenders. Please have them remove From my credit report.
Company Response:
State: IL
Zip: 60448
Submitted Via: Web
Date Sent: 2017-05-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A