Date Received: 2017-04-24
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My problem is with nation star financial.in XXXX I was paying XXXX a month, last year in XXXX my home owners insurance went from XXXX per year down to XXXX .so the mortgage company dropped my payment to XXXX a month.i had nothing to do with any changes, and we were not notified about any changes.Then 2months ago I get a bill for XXXX dollars and was told that was my new house payment.i called and they say I did n't have any money in my escrow.i asked why they said after a lot of research we found out they were paying my insurance company double.they were paying the broker XXXX and XXXX and XXXX XXXX who holds the policy.i told them that none of this was my fault.i talked to the escrow man at nationstar all he would say is ok I 'll drop your payment to XXXX a month and he said have a nice day.because of all this I have to file a amendment and start paying for a house the I have paid for 15yrs.why should start over again.i think there wrong on what there doing to me and my family.i think we 're being extorted out of money.
Company Response:
State: SC
Zip: 295XX
Submitted Via: Web
Date Sent: 2017-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-04-24
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: The lender as failed to respond to the Qualified Written request ( QWR ) submitted to them on XXXX / XXXX / XXXX - The lender is required to provide a detailed loan history for us to review and assist the borrower. This is a violation of RESPA and we request the FC be placed on hold and for the requested info to be provided ASAP.
Company Response:
State: TX
Zip: 79912
Submitted Via: Web
Date Sent: 2017-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-04-24
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My loan was recently transferred from XXXX to Nationstar mortgage. Nationstar provides an option to pay online. The terms on their site say that Nationstar is not responsible for any errors within their site. How is this legal for consumers to make payments from their site, using their tools, and they can not guarantee that their payments will be credited properly, or that their balance information is correct. Nationstar should have some responsibility to ensure that customer information is correct in their systems, or not be allowed to present faulty information.
Company Response:
State: GA
Zip: 30214
Submitted Via: Web
Date Sent: 2017-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-04-24
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I am writing in regards to my property located at XXXX XXXX XXXX . I have filled many previous complaint with your office. I received a letter from Nationstar Mortgage dat e d XX/XX/XXXX . The letter states that my mortgage is past due and I owe {$110000.00}. The letter says that I have until XX/XX/XXXX to cure the default. If the default it not cured by XX/XX/XXXX it may result in acceleration of the sums secured by the secure instrument, foreclosure proceedings, and sale of th e property. Before I could respond to the letter I got a letter from Nationstar 's atto rney XXXX XXXX XXXX XXXX XXXX . This Letter is dated XX/XX/XXXX a nd states that they are foreclosing on my property listed above. XXXX XXXX XXXX XXXX XXXX 's Le tter contradicts Nationstars letter. In addition I am really not sure why Nationstar is stating I owe them {$110000.00} to bring the loan current. My XX/XX/XXXX statement says that I owe them {$100000.00} to bring the loan current. M y XX/XX/XXXX s tatement says I owe them {$100000.00} to bring the loan current. Also the XX/XX/XXXX st at es that my payment is {$1100.00} with {$1100.00} going to interest and XXXX going to escrow. My XX/XX/XXXX statement stated that my Payment is {$1400.00} with {$1100.00} going to interest and {$300.00} to escrow. Each statement has a default letter included with it ( please scroll to page 3 of the statements ) that states my payment amount is {$1700.00}. I am not really sure why I am accruing monthly payments at all since this mortgage was accelerated way back o n XX/XX/XXXX . T hat letter from XXXX XXXX that I received on 2/14/11 stated I owed {$230000.00}. It does not say anything about monthly payments still accruing since they called the whole loan amount and late payments due. This letter from XXXX XXXX should also prove that Statue of Limitation to Collect on a promissory note has expired. I have been arguing back and forth with the bank regarding this loan for more than 7 years now. All I have ever asked for is accurate figures and documents. They continue to send me more and more conflicting information. They are asking me if I would like to do any work out options but how can I when they ca n't even get me consistent accurate figures? I have thought all along that this loan was duplicated and there is more that one loan for my 1 pr operty. Do we let banks foreclose in the state of Colorado without even having accurate figures? Lastly I wanted to ask about the legal fees. I think that them asking for close to {$9000.00} in legal fees is excessive especially since it is mostly due to me needing to defend myself against their lies.
Company Response:
State: CO
Zip: 80226
Submitted Via: Web
Date Sent: 2017-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-04-21
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: This is a response to the complaint that was submitted XXXX XXXX , XXXX regarding Nationstar Mortgage. Their response to my complaint # XXXX is false. My attorney was disbarred and they know this. According to Nationstar, their records indicate I am being represented by an attorney. That is wrong. They make up excuses to avoid dealing with the issues. This causes barriers when trying to get to the truth. Nationstar foreclosed on my house knowing I was trying to avoid foreclosure. To tell me it is too late to process a short sale is unacceptable. The foreclosure was fraudulent. I would like a full investigation into the decisions Nationstar made during my quest for a loan modification and finally a short sale. The fact that an offer for {$400000.00} to purchase my home through a short sale and Nationstar forecloses and then lists the house at {$370000.00} is again unacceptable. This was an act of greed and down right corrupt.
Company Response:
State: NV
Zip: 89032
Submitted Via: Web
Date Sent: 2017-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-04-21
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Nationstar Mortgage LLC continues to raise my mortgage by significant sums citing an escrow shortage despite no change in my taxes and, a minute, {$50.00} change in annual insurance premium. They informed me of a lowest minimum balance requirement ; stating that is why my escrow account requires more money. My previous servicer would send me a check for any overage in escrow every year, report interest earned on the account and credit my account that amount. Nationstar has failed to do either in the past 2 plus years they have been servicing my loan. I have called to complain about this issue every year at the time of the escrow analysis with no resolution. At this point, they have informed me that I can either refinance my mortgage with another company or continue to be price gouged in the name of the escrow account. Neither solution is viable. Please help.
Company Response:
State: NY
Zip: 14217
Submitted Via: Web
Date Sent: 2017-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-04-21
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: My mortgage was transferred from XXXX to Nationstar mortgage on XXXX XXXX , 2017. XXXX says payments they receive from their former customers will be forwarded to Nationstar mortgage for 90 day s. Nationstar 's w eb site says that payments will only be forwarded for 60 days. Which is correct? Is this a way fo r Nationstar to i gnore customer payments sent from XXXX ? Please clarify.
Company Response:
State: GA
Zip: 30214
Submitted Via: Web
Date Sent: 2017-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-04-20
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: at this writing please be advised that I am a victim of predtorary lending and senior citizen explortation loan. nationstar mortgage has not response to my qwr request law office of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , il XXXX cae # XXXX is theating foreclosure
Company Response:
State: IL
Zip: 60651
Submitted Via: Web
Date Sent: 2017-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-04-20
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: forced placed coverage my mortgage company put a {$2000.00} plus coverage .on my mortgage they put maximum amount of coverage i payed to have survey to prove no flood zone so they removed the policy so now i pay around {$200.00} extra until i pay off the {$2000.00} coverage please advise
Company Response:
State: GA
Zip: 30067
Submitted Via: Web
Date Sent: 2017-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-04-20
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Over the weekend, we received our mortgage loan statement. I was looking at the statement and realized that it had a balance for legal fees on it. After contacting Nationstar, it was determined that this fee was for a bankruptcy which was filed last year. A bankruptcy which did not include Nationstar. Apparently, they transfer the paperwork to another department and charge their customers a fee for this. If they would look at my payment history, I have never missed a payment with them and all my payments have been made on time and consistently around the same time each month. I was appalled that they would think of charging a good customer a {$300.00} fee to transfer paperwork to another department within the organization. This is a large mortgage servicer for you. They do n't care about customer service.
Company Response:
State: IL
Zip: 610XX
Submitted Via: Web
Date Sent: 2017-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No