Date Received: 2017-05-08
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: The rate change but did not drop it low enough. They included all these fees, and interest which made me feel taken advantage of and discriminated against while under duress. They stretch the mortgage out to 40 years. This process has brought on XXXX XXXX XXXX up and caused me to have XXXX during creating XXXX and in turn, I got a divorce while trying to save my home.
Company Response:
State: GA
Zip: 30122
Submitted Via: Web
Date Sent: 2017-05-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-07
Issue: Trouble during payment process
Subissue:
Consumer Complaint: An amount of {$560.00} is owned by Nationstar Mortgage. On XXXX XXXX XXXX XXXX XXXX transferred my loan # XXXX to Nationstar Mortgage along with same loan terms. What occurred during the month of XXXX XXXX XXXX was a automatic payment made to XXXX by XXXX XXXX XXXX of XXXX , along with two other payments made on XXXX and XXXX XXXX XXXX . Nationstar claims non-receipt of payment of XXXX XXXX XXXX but the other two payments were received. Nationstar insisted that proof of record be provided that payment was made on XXXX XXXX XXXX . First they wanted a FAX, later an EMAIL with justifying documentation. They insisted they had no record of receiving neither documents. XXXX XXXX documentation verified all three payments were made. Nationstar on XXXX XXXX XXXX in- dicated that an error was identified, that a corrective statement would be made. No statement has been received and is anticipated. The only transactions made in XXXX XXXX subsequent to XXXX XXXX XXXX , were two others on XXXX XXXX XXXX for partial and principal transactions. Transactions made during XXXX XXXX were the pay-off loan type. In the 5-months that we were paying on the loan was nothing but a headache, that we made the decision to terminate the loan early.
Company Response:
State: NV
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-05-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-06
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: nationstar is trying to steal my home they have absolutely no standing to do so they dont send me statements i have a right as a consumer to know what my balance is i requested payment coupons more tha n ten times i found out that not one mortgage payment could reduce the principal they created a false balance sheet to look like my payments were reduced actually if i paid that loan off in entirety i could never get a clear title to the property or no person on this earth could get one also they committed fraud upon the court both state and federal federal because they forced me into bankcruptsy when they claimed they owned the mortgage and they never did i have about 80 pages of supporting documents to support what i have been saying this has taken a big toll on my life i had a rare XXXX XXXX last XXXX and just went to my XXXX XXXX XXXX XXXX XXXX XXXX week she wantedt know why numbers are not good she put me on several medicines to take i just dont care to take them anymore thanks for listening somebody has to stop this criminal bussiness not with fines in the millions thats nothing to them they have already stole that from their customers i mean billions and bring felony charges against their ceo XXXX XXXX
Company Response:
State: IL
Zip: 627XX
Submitted Via: Web
Date Sent: 2017-05-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-06
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I just received again a foreclosure notice from XXXX XXXX , XXXX today XXXX XXXX , XXXX . The Trustee has scheduled the foreclosure sale for XXXX XXXX , XXXX . On XXXX XXXX , XXXX , I called my dedicated loan specialist, XXXX XXXX to check on the status of my HAMP Loan Modification I applied for in XXXX . She returned my call but left me a message with her phone number which I already have and another phone number. She did not address the message I left for her on her voice mail. In XXXX of XXXX she told me that my HAMP Loan Modification with Nationstar is over because The HAMP Loan Modification Program deadline w as XXXX XXXX , XXXX . I disputed her claim because the program deadline did not apply to me as I have already applied for the modification in XXXX . I also told her the deadline was for those who were yet to apply for the program. So, Nationanstar has unilaterally resolved to stop the process to modify my loan and closed the HAMP Loan Modification I applied for in XXXX . According to the HAMP Loan Modification Program guidelines Nationstar can not just unilaterally res olve the loan modification and sweep it under the rug ; it has to be bilaterally resolved. Their decisions were based on botched modifications and out right refusal to modify the loan. They never made any conscientious effort to modify the loan. Their main objective is simply to foreclose. Since they took charge of my loan modification almost six years ago they have been giving me the runaround, asked for the same documents over and over again and never utilized them to modify the loan. Also, they have engaged in lies and deceptions. They have been playing hardball with me over and over again ever since. The XXXX XXXX XXXX , said that a copy of the advertisement of the sale published in XXXX XXXX XXXX is enclosed in this letter and that is not true.
Company Response:
State: VA
Zip: 20176
Submitted Via: Web
Date Sent: 2017-05-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-06
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I was in the process of a loan modification with XXXX in XXXX of 2016. My monthly payment was XXXX w no escrow account. I was approved and told I would receive XXXX per year toward the principal for next 5 years if I continue payments. XXXX 2016 M y m ortgage was sold to Nationstar and the modification continued w them. My payment is XXXX with an escrow account but the principal and interest payment is XXXX . Nationstar says I 'm not eligible for the XXXX principle decrease because the total payment did not decrease by 6 %. This is is unfair because they are comparing XXXX paymen nt w no escrow with the new pa yment w a n escrow payment of XXXX . XXXX . ( XXXX vs XXXX ). The 6 % decrease in payment is XXXX of XXXX which totals XXXX which is more than 15 % decrease but Nationstar is in disagreement with this fact. During the time of this situation I had a housing representative from from XXXX who worked fervently to get a definitive answer from XXXX XXXX , they in turned dropped the ball and the rep. had to start the inquiry w them a second time and still no answer.
Company Response:
State: NY
Zip: 11967
Submitted Via: Web
Date Sent: 2017-05-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-05
Issue: Trouble during payment process
Subissue:
Consumer Complaint: NationStar Mortgage charged {$75.00} for " maintenance '' as a lender expense, statement dated XX/XX/XXXX ( attached ). I called them at XXXX to ask what this was for, and was informed that it was for " lender paid items '' related to " upkeep of your account '' for " service related to the loan on the property '' and about 25 minutes later ( after being placed on hold several times ) that it was " charged for inspection done on my property '' on " XX/XX/XXXX '' I asked that a copy of the report be sent to me ( it is attached ). The invoice is for {$15.00} dated XXXX ( not {$75.00} and not XX/XX/XXXX ). Additionally, there are several errors in the report -- such as the property is a XXXX -family brick row worth {$300000.00} and that a relative was interviewed -- which makes me believe this was a phoney report. My former mortgagor XXXX sold all their loans to NationStar in XX/XX/XXXX and I am wondering how many other people received the same {$75.00} fee. If every single mortgagee from XXXX was charged {$75.00} during the buyout / transition, that could be hundreds of thousands if not millons of dollars.
Company Response:
State: NY
Zip: 11238
Submitted Via: Web
Date Sent: 2017-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-05
Issue: Trouble during payment process
Subissue:
Consumer Complaint: In XXXX XXXX XXXX I refinanced my home with Nationstar mortgage ( See attached loan closure document ) to lower my payments from {$2600.00}. At this time I had an escrow account balance of {$10000.00} which was to be transferred over to the new loan. After the refinance my mortgage payments were to be {$2200.00} XXXX XXXX XXXX XXXX statement ). I made these payments for XXXX , XXXX , and XXXX . In XXXX I received a letter that my XXXX payment had not been received. I called to inquire as to what happened as my bank account had been debited. I was told that I had an escrow shortage of approximately of {$9500.00} which was due to them having to pay my taxes and me not having enough money in my escrow account to cover the costs and that my new payment was {$3000.00}. I explained to them there must have been a mistake and questioned them as to what happened to the money in my escrow account. They said they would look into it and get back to me but it looked like it was used for loan fees. After further investigation it was discovered that Nationstar 's escrow department had made a mistake and paid for my taxes twice. As a result they were demanding that I still pay the additional {$800.00} in fees until the tax company could return the over-payment. I refused and came to an agreement that I would only pay an additional {$61.00} per month until the over payment could be returned. The tax companies have refunded the over-payment and now I have requested to have my escrow account closed because of how they handled this situation. I was sent a denial letter and I have been told during a follow up phone conversation that I can not close my escrow account because of a RESPA law that states I must have the loan 12 months before I can close my escrow account. I have researched the RESPA law and have not been able to find anything that prevents me from closing out the escrow account. ( See attachment entitled Nationstar escrow dilema for further details. )
Company Response:
State: TX
Zip: 77396
Submitted Via: Web
Date Sent: 2017-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-05
Issue: Trouble during payment process
Subissue:
Consumer Complaint: To Whom It May Concern, For th e 2nd year in a row, Nationstar Mortgage has paid for Flood Insurance on a property unnecessarily. T he Flood Insurance is paid for by my HOA and I have produced the necessary documentation, multiple times, to Nationstar p roving that the policy was paid. Regardless, they paid for a new policy -- not just once, but, twice -- at the cost of {$430.00} each time!! I was able to get a refund from the insurance company for the 2nd p ayment of {$430.00}, however, they are not willing to refund the first payment. Nor should they have to. The fault for this resides completely w ith Nationstar and they have admitted that I should be refunded my money and then later refused to do it. At this point, keeping my money is equal to theft. They made the same mistake last year, and after I filed a claim with the BBB, they eventually refunded me my money. How they can make the same mistake again this year and not give me back my money is unbelievable. * XXXX / XXXX / XXXX -- proof of Flood Insurance on the property was provide d to Nationstar ( fa x confirmation is attached to this complaint ) * XXXX XXXX -- the proof of flood insurance was provided again to Nationstar * From XXXX & XXXX -- MANY MANY conversations with the customer service group, the escrow group, insurance people, etc. * XXXX / XXXX / XXXX , a representative began emailing me. * XXXX / XXXX / XXXX -- I was told that a refund ( for {$430.00} ) was being requested and would be paid by Nationstar to m e. * XXXX / XXXX / XXXX -- I was told the refund was denied. I was told this only after I inquired because I had received, another, erroneous escrow statement and I still had n't seen the promised refund. I need help forcing this large company to STOP STEALING FROM ME. I am beyond aggravated and would like to see this company prosecuted for criminal theft. I appreciate any help you can provide. Sincerely,
Company Response:
State: NC
Zip: 28277
Submitted Via: Web
Date Sent: 2017-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-05
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: The lender has not provided a response the our QWR request and initiated foreclosure within the early intervention period in violation of Regulation X , 12 C.F.R. 1024.41 ( f ). Your client failed to provide XXXX XXXX with a Post-Foreclosure Referral Notice in violation of 12 C.F.R. 1024.39 ( b )
Company Response:
State: NY
Zip: 10016
Submitted Via: Web
Date Sent: 2017-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-05
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I am currently in an active Chapter XXXX Bankruptcy and current both the plan payments and my mortgage. My homeowner insurance premium changed drastically ( for the better ) last year and my monthly escrow payment never changed. I never received my 2016 escrow analysis and have requested this several times ( as has my legal counsel ) from my servicer ( Nationstar Mortgage, LLC ) by phone. I am mailing them a letter to request this again and copying my bankruptcy attorney. What can I do? I know my escrow payment is much higher than it should be but I can not get the servicer to respond.
Company Response:
State: VA
Zip: 23602
Submitted Via: Web
Date Sent: 2017-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A