Date Received: 2017-05-01
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I was told if I make 3 month of a set payment I would be qualified for a modification loan. I had to find this out by just check the site NO ONE every call me. I got approved and the new payment stat XXXX XXXX but the catch is they never told me anything till I found it on the email side of the loan they went from 20 years to 40 years if I new that 3 months ago I would not have agreed to that I can get a 15 year loan with tad higher interes ts still less that what they want. I FEEL this is a preditary loan I als have has 3 people taking pics from the road and I feel this violated my privacy what if my wife was changing or my minor child changing and there cameras got pic that vilol ates my wife privacy also.
Company Response:
State: GA
Zip: 310XX
Submitted Via: Web
Date Sent: 2017-05-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-04-29
Issue: Took or threatened to take negative or legal action
Subissue: Seized or attempted to seize your property
Consumer Complaint: On XXXX XXXX XXXX I emailed a letter dated XXXX XXXX XXXX to Nationstar Mortgage. ( Exhibit A ) The letter was emailed to XXXX XXXX XXXX . This letter specifically asks for 1. A copy of the most recent letter of assignment or ownership upon which Nationstar bases its authority to notice me for collection activities. 2. Full verification of the original debt asserted by the original creditor, and a copy of the original signed agreement between myself and that creditor. 3 . Verification of the complete amount of the currently asserted indebtedness, directly from the creditor and not from Nationstar files. I also included in the same email a letter dated XXXX XXXX XXXX a Qualified Written Request asking for specific information pertaining to my mortgage. ( Exhibit B ) .This email was received by XXXX XXXX XXXX and I received an email response asking XXXX at Nationstar fo r assistance. ( Exhibit C ). On XXXX XXXX XXXX I received a reply email from XXXX XXXX , Manager, Document Control-Default at Nationstar stating that Someone will be in contact with you to address your concerns ( Exhibit C ). None of the requests that I made in the letters I sent were addressed by Nationstar, and no person at Nationstar communicated with me concerning my requests because they are not able to prove the validity of the debt. The last communication that I had with Nationstar was with a customer service representative that told me the foreclosure has been postponed until XXXX XXXX XXXX , but that it was on a pause status and that they did not know what that meant or if a foreclosure would take place on XXXX XXXX XXXX or not. I assumed that it meant that Nationstar was gathering the requested information and I waited for Nationstar to reply but instead they performed an illegal debt collection in the form of a fraudulent foreclosure on my home. Prior to the illegal debt collection that took place on XXXX XXXX XXXX I mailed certified copies of a Notice to Cease and Desist to Nationstar Mortgage, XXXX XXXX XXXX , and copies to the Consumer Financial Protection Bureau ( Exhibit D ) and opened complaint XXXX . ( I tried to dispute their reply but had a computer error and could not and the case was closed ) Nationstar did not respond within 5 days to my Cease and Desist an d I assumed they chose option 1 XXXX that further debt collection efforts were terminated. Nationstar willingly violated my Cease and Desist Order by performing an illegal debt collection in the form of foreclosure on XXXX XXXX XXXX and at this time Nationstar is now using deceptive forms and harassment in an effort to continue their illegal debt collection. ( 15 USC 1692e, 1692d, and 1692j ) On XXXX XXXX XXXX I received a letter that appears to be from the law firm XXXX XXXX XXXX XXXX ( Exhibit E ). The letter states that a foreclosure sale of my property has taken place and that This law firm represents XXXX XXXX , the new owner. Exhibit E falsely implies that an attorney at XXXX XXXX XXXX XXXX is meaningfully involved in activities pertaining to my property located at XXXX XXXX XXXX , TN XXXX . The letter allegedly from XXXX XXXX XXXX XXXX does not bear the signature of any attorney and specifically states not to call XXXX XXXX XXXX XXXX directly. Exhibit E also falsely and deceptively states that XXXX XXXX is the NEW OWNER of my property. There is no reference to XXXX XXXX on any Deed of Trust paperwork filed in conjunction with the illegal debt collection performed by Nationstar. There is no record of XXXX XXXX purchasing my home at any foreclosure auction, and no record of any quit claim deed or other transfer to XXXX XXXX . According to Nationstar, and the Deed filed at t he county clerks office, the owner of XXXX XXXX XXXX , TN XXXX is XXXX XXXX XXXX XXXX as Trustee for XXXX XXXX . ( Exhibit F ). According to their website ( Exhibit G ) XXXX XXXX also known as XXXX is headquartered in XXXX , Texas and was founded in XXXX an indirectly held, wholly owned subsidiary of Nationstar Mortgage Holdings , Inc., a l eading provider of residential mortgage services. Additional Nationstar corporate information is available at www.nationstarholdings.com ( http : //www.nationstarholdings.com ). Clearly, Nationstar the servicer/debt collector who has NEVER held an ownership interest in my property is purposefully and deceptively lying to me as a consumer concerning the owner of my home being XXXX XXXX . This is a clear and willful violation of 15USC 1692e numbers ( 3 ), ( 6 ), ( 9 ), ( 10 ), ( 11 ), ( 12 ), ( 13 ), and ( 14 ) , and also a violation of USC 1692j 812 ( a ) because they have in fact designed, compiled, and furnished a form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. Nationstar has also violated 15USC 1692d b ecause they are trying to coerce me to abandon my home so that their illegal debt collection activities may continue. There is currently a class action lawsuit filed in US Dist rict Court for the XXXX XXXX XXXX Wisconsin XXXX Division filed against XXXX XXXX XXXX XXXX for engaging in a pattern of the same deceptive practices. ( Exhibit H ). I have never been provided with proper documentation to prove that Nationstar is the legal collector of my alleged mortgage debt, and instead of providing the documentation, they willfully ignored my requests and performed an illegal debt collection in the form of a foreclosure.
Company Response:
State: TN
Zip: 38118
Submitted Via: Web
Date Sent: 2017-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-04-29
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I believe Nationstar Mortga ge, LLC may be co mmitting widespread fraudulent adjustment of variable mortgage interest rate loans, at rates higher than legally allowed in the mortgage contr act : 1. Nationstar acq uired our adjustable interest rate mortgage last Fall from previous holder, XXXX 2. First adjustment notice under Nationstar r eceived XXXX XXXX , XXXX , indicating interest rate increase from 3.500 % to 4.12 5 % 3. Cont ract provides for MAXIMUM rate increase of 2.25 % + LIBOR rate in place at 45 days prior to change date 4. Nationstar adjustment to 4.125 % would equal LIBOR rate of 1.875 5. On the 45th day prior to the change date the ACTUAL LIBOR was only 1.81. During the 30-day period around the change date ( 15 days prior and 15 days post ) ALL LIBOR rates were lower than the 1.875 6. Using the actual 45-day prior LIBOR, our adjusted interest rate should have legally been 4.06, NOT 4.125 % 7. The difference in rate would illegally cause us to pay tens of thousands of dollars in additional interest over the life of the loan 8. A com plaint filed online with Nationstar on XXXX XXXX , XXXX has remained unanswered 9. If this is a systemic practice, all adjustable rate mortgage holders with Nationstar could be being charged hundreds of millions of dollars in fraudulent interest 10. Seeking investigation into both our loan and whether this is a company-wide fraudulent busines s practice
Company Response:
State: VA
Zip: 20171
Submitted Via: Web
Date Sent: 2017-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-04-28
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I liv e in CT. My husba nd died, I XXXX XXXX XXXX & saw XXXX on TV, so I took out a reverse mortgage, thinking I was securing my future - BOY WAS I WRONG!!! They said I could die in my home & they would pay the taxes when I took out the reverse mortgage. I would have been better off leaving them alone & just taking out a 2nd mortgage!!! When I took out the reverse mortgage in XXXX . My home was almost paid off, 37 years of a 30 year mortgage with no 2nd mortgage or r e-fi. The reverse mortgage bank started by paying the taxes, stopped paying the taxes, then started paying the taxes again, then foreclosed. They only gave me {$3000.00} and no monthly stipend. I 've never gotten anything from them except headaches! They told me I did n't need a lawyer present to sign the papers. We did it at my kitchen table in about XXXX minutes. I trusted them & now I 'm screwed. They did n't even give me back a copy of the signed paperwork. I do n't even think there 's notaries on it. There was no witness of the signing, it was just me & the lady at my kitchen table. The guy that drove her waited in the living room. Somewhere it got sold to Champion & the trouble really began. Champion has an " F '' BB B rating I later fo und out, they were not who I took the original loan out with. I also just found out Champion withdrew their right to do business in CT in 2001 per the Sec of State Business Office. When my friend XXXX came to court with me in XXXX XXXX & yelled, " FRAUD '' in the courtroom, she did n't get hauled out in contempt. A week later I received a letter saying that the loan had been sold to Nationstar Mortgage, which is a D/B/A of Champion & Champion was goin g to still service the loan. XXXX heard something about the note & the loan ca n't be separated, but she is n't a lawyer & does n't know what to do with that info, but knows it 's important. XXXX XXXX has come to court & spoken for me several times because I do n't hear very well & I do n't understand what 's going on all the way about this case. I 'm having a hard time find a lawyer to take this case. She has contacted over XXXX dozen lawyers for me & no one wants to touch this case with a XXXX pole, either because they do n't understand reverse mortgages or they ca n't fit it in their case load or they do n't call back. We 've been to mediation, but the opposition wo n't speak in front of her & it 's useless to speak to me if she 's not there because I do n't really understand. Now, after th e 5th time goi ng to court, the judge is n't letting her speak for me anymore, because she is obviously lifting the veil on the alleged corruption of this foreclosure mill operation & predatory lending practices. I have no blood relatives. My dog XXXX & I nowhere to go, because senior housing is full, waiting lists are years long and most do n't even take dogs. PLUS they are the size of a shoebox - 325 sq ft - full of o ld people! These Champion people are crooked. Everybody we 've spoken to gasps & rolls their eyes when we mention their name. I pay my house insurance, XXXX XXXX , direct debited from my account, and they say THEY pay my h ouse insurance too. How can that be - getting paid from BOTH of us? A while back Champion called me & said I owed them {$18000.00} & they wanted a cashiers ' check all at once. I told her I did n't have money like that. She told me I could pay her by money orde r. ( Ver y fishy, because money orders only go up to {$490.00} & felony charges start at {$500.00} XXXX told me, she 's not sure if she 's right, but that 's what she had heard ) I paid $ 500.xx some odd dollars by personal check for about 7 months, then the same girl XXXX call ed & told me to stop. What was THAT about? I did n't think anything of it until XXXX pointed out I was being taken for a ride. Now I 'm mad that they lied to me & my house is getting ripped out from underneath me. I trusted them. They said I could die in my house & they would pay the taxes. Is n't that breaking verbal contract? I need a lawyer & a bookkeeper to go over all of this please can you help me? XXXX has been talking to : The Dept of B anking, who is waiting on a reply from Nationstar.. they have 60 days to reply from early XXXX - BUT I 'm supposed to be out of here XXXX / XXXX / XXXX - to where, I do n't know ... She has spoken to Fair Housing ; been to DC - Even the XXXX Senator XXXX XXXX , says that there 's a problem with reverse mortgages on the islands. In early XXXX , in XXXX , CT XXXX spoke to XXXX XXXX XXXX & XXXX XXXX XXXX , XXXX XXXX & XXXX XXXX XXXX XXXX on my behalf & XXXX XXXX XXXX says there 's a Bill to # ReformReverseMortgages on the Floor as we speak. She 's spoken to XXXX XXXX & XXXX XXXX too. - but will that keep me in my home? We have even been on XXXX XXXX XXXX . XXXX put those 2 clips together & has been blasting them out on XXXX XXXX XXXX with alm ost 4,000 view s between the 2 cli ps. XXXX has even snailmailed XXXX XXXX XXXX , Atty XXXX XXXX XXXX 's 3 of fices & XXXX XXXX AND has tweeted XXXX several times # SaveSabina # ReformReverseMortgages # StopSeniorForeclosures She has put out MANY emails & phone calls & gets no response or out of office replies. It 's even funnier how she included MANY state departments on an email, only to have them bounce back THEN a week later, a person fro m one of those offices resigns & de cides to throw their hat in the ring for governor ... the dots WILL connect themselves ... They ALWAYS do ... She 's even helping me fill this out. # StopSeniorForeclosures XXXX https : XXXX XXXX JUST FOUND that LOAN # XXXX 's INSTRUCTIONS TO NOTARY ARE IN CT TO HAVE 2 WITNESS + NOTARY - IT WAS ONLY THE LADY & ME AT MY KITCHEN TABLE - the guy that drove her waited in the livingroom, nobody notarized anything! XXXX is coming to XXXX XXXX , CT XXXX XXXX XXXX XXXX XXXX - XXXX will be there! She bodyguarded him in the movie " Two Weeks Notice '' she told me. We 're having trouble trying to figure which papers you need to see & how to get them to you .... It 's a lot. They 'll be coming.
Company Response:
State: CT
Zip: 06606
Submitted Via: Web
Date Sent: 2017-05-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-04-28
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: From the start when my husband and I became qualified for XXXX mortgage relief program , Nation Star mortgage sent four applications out to be notarized after had we the first three notarized, this was getting very irritat ing and time consuming since we both had to be there. At this time in early XXXX they continued to report us as 120 days late when we were on time making trial payments and we told we would not be reported by numerous associates. They also reported the months of XXXX , and XXXX of XXXX as 120 days late when they were paid on time. Then XXXX of XXXX through XXXX XXXX are being report ed 90 to 120 day s past due when they were paid on time. This issue is greatly affecting my credit history and number which hinders my ability to receive a good finance rate which I deserve. Please inquiry with this company.
Company Response:
State: MA
Zip: 010XX
Submitted Via: Web
Date Sent: 2017-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-04-27
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I applied for assistance with my servi cer Nationstar to save my home. Nationstar made an error and mis valued my home by an enormous amount. They valued my home at {$400000.00} and the actual value is closer to {$260000.00}. This caused me to get denied. I had hired an attorney to assist me with the paperwork and they appealed the denial for me within the timeline to appeal on XX/XX/16 . Nationstar ignored this appeal advising there was a mistake in their review. Per their reply since I did not actually do the work they were su pposed to do ( Giv e them an actual appraisal ), they say there is nothing they can do and the program that I qualify for no longer exists. I think this is terrible and maybe illegal. How can a servicer ignore something that is so drastically wrong. Not only is Nationstar negligent in denying my modification request with a false grossly inaccurate valuation, but they are also doing their investor ( owner of the loan ) a great dis service.I am willing to pay my entire loan. The owner of the loan is about to take a massive loss based on their false valuation. My attorney be lieves Nationstar is d oing this to evade actually reviewing me ( with the correct information ) for assistance because they simply want to foreclose.
Company Response:
State: CA
Zip: 92054
Submitted Via: Web
Date Sent: 2017-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-04-27
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Nationstar Mortgage claims they are servicing a loan for the XXXX XXXX XXXX XXXX XXXX . The XXXX XXXX XXXX XXXX XXXX was conveyed a Trustee 's Deed on XXXX XXXX . The XXXX XXXX XXXX XXXX XXXX filed a Forcible Entry and Detainer Suit in XXXX . XXXX XXXX XXXX XXXX XXXX was awarded Judgment of Possession in XXXX XXXX XXXX XXXX XXXX in XXXX . I filed a lawsuit to enjoin a Wrongful Post-fo reclosure eviction. On XXXX / XXXX / XXXX in open Court, XXXX XXXX XXXX XXXX XXXX 's advised the Court they would not eviction me during the pendency of the lawsuit. This lawsuit is currently pending in the XXXX XXXX XXXX , XXXX XXXX Texas. On XXXX / XXXX / XXXX , Nationstar 's attorney admitted in XXXX pen Court they were only responding to a dispute letter. They had sent me no default letter, notice of Acceleration, or n otice of foreclosure. However, my credit report shows I 'm delinquent.
Company Response:
State: TX
Zip: 75052
Submitted Via: Web
Date Sent: 2017-05-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-04-26
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I refer to Nationstar letter dated XXXX XXXX ( copy a ttached ) and wish to state as under : 1. ) They say I got a Loan Mod as of XXXX XXXX . In fact I had already mentioned about it and also stated that, that was not under HAMP. It was an in-hous e Loan Mod. 2. ) Hence I was fully eligible for a HAMP Loan Mod. and submitted a Complete HAMP Loan Modification Package, which they confirm having rece ived on XXXX XXXX . Now they are conveniently saying that it was an " incomplete package '', without ever mentioning what was missing, before the XXXX XXXX deadline. 3. ) If it was, incomplete, then are they not supposed to ask immediately, as to what was missing? When my 3rd Party called to enquire about the status, instead of asking for any missing documents, they were only being told that I am not eligible for a Loan Modification, as I am regular with my payments. 4. ) Now, they also admit that they made a mistake in not reviewing my Loan Mod under HAMP, until perhaps XXXX XXXX . How can they make such a big mistake and now turn back and say t hat HAMP exp ired on XXXX XXXX or the package was incomplete, when they had my complete package by XXXX and no missing document request was ever sent to me before XXXX XXXX ? 5. ) Wha tever docs. requested through the XXXX XXXX letter and subsequent letters were all submitted promptly b y my 3rd part y.
Company Response:
State: NY
Zip: 11377
Submitted Via: Web
Date Sent: 2017-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-04-26
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I complained repeatly and demanded to correct violations and Nationstar Mo rtgage, LLC did not take action to correct problem s. Nationstar is a servic er only, pursued the goal of foreclosure on behalt of the XXXX or XXXX that no real interest in the alleged loan, has no standing to foreclose on my property. I try to resolve problem by applying for loan modification through the XXXX XXXX XXXX ( H UD ). In three months, I was requested for the application ( R MA ) three tim es, plus other required documents repeatly and no single point of contact. On XXXX XXXX and XXXX XXXX , 2017 , I wa s requested to resubmit the third RMA and other documents. While my mod is under " Review '', Nationstar insiste d go ahead schedule for trustee sale on XXXX XXXX , 2017 , which is next week. Nationstar advances for servicing-related expenses fees-such as attorneys ' fees, escrew.force-placed insurance charges, and foreclosure-related expenses. This misconduct and behavior of Nationstar are not acceptable, but they are acceptabls for a disgrace legal system with the judges who are partners with the banks except a few who have fundamental right. They trade human suffering with profit.
Company Response:
State: CA
Zip: 94901
Submitted Via: Web
Date Sent: 2017-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-04-26
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: On XXXX , Nationstar Mortgage negatively reported the status of loan account # XXXX on my credit report. This account was surrendered an d discharged in my chapter XXXX bankruptcy on X/XX/2017 .
Company Response:
State: IL
Zip: 603XX
Submitted Via: Web
Date Sent: 2017-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A