Date Received: 2017-04-18
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I paid off the mortgage to Champion mortgage in XXXX for the estate of my uncle. They sent me written affirmation that it was paid off on XXXX XXXX . The forced place insurance company settled with me for {$150000.00} in damages to the property which had the mortgage in XXXX but the mortgage company insisted it receive the check. On XXXX XXXX Champion mortgage informed me that it had received the check from the insurance company but was holding it pending a showing that the repairs had been made. I have tried to convince the mortgage company to send me the check, since Champion no longer had any interest or was owed anything on the mortgage, and have received numerous reasons why it could not do so including saying the check was in the mail, though it had not reached me 14 days after their saying so. Ironically, Champion ap plied an earlier insurance check that was issued in XXXX XXXX to the unpaid balance of the mortgage, without asking my permission. I would like the money with interest ASAP. I am the legally appointed administrator for the property.
Company Response:
State: MD
Zip: 20852
Submitted Via: Web
Date Sent: 2017-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-04-19
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Nationstar Mortgage wrote to let me know that effective XXXX , the servicing of my mortgage, loan number XXXX , would be transferred to XXXX XXXX XXXX XXXX . Accordingly, I made mortgage payments to XXXX XXXX XXXX XXXX , loan number XXXX , in XXXX and XXXX XXXX . Now, Nationstar Mortgage is calling me, plus sending letters and email to collect for supposedly past due payments, despite twice confirming that the loan servicing was transferred to XXXX . On XXXX XXXX XXXX , I talked to XXXX XXXX XXXX XXXX XXXX XXXX concerning my issue and she promised to research the issue and call me back by XXXX XXXX XXXX but she did not call me. I left a message with my loan XXXX on XXXX XXXX XXXX but she did not return my call. I called XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX on XXXX XXXX , XXXX , where a representative told me that indeed, the loan servicing was transferred to this company. However, during the week of XXXX XXXX , I received a letter from Nationstar Mortgage with an offer of borrower assistance ( as If I am late in making payments ) Please help resolve this issue.
Company Response:
State: MD
Zip: 20705
Submitted Via: Web
Date Sent: 2017-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-04-18
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Confidentiality breach. When I requested copies of my mortgage documents, Nationstar bank sent me someone else 's documents including pay check stubs, tax returns with signatures, social security numbers, phone numbers, addresses, attached to my documents. I am concerned my documents may have been sent to the other party or someone else.
Company Response:
State: WA
Zip: 98466
Submitted Via: Web
Date Sent: 2017-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-04-18
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I, XXXX XXXX am the property located at XXXX XXXX XXXX XXXX , XXXX XXXX , CA, XXXX . NATIONSTAR MORTGAGE, WHO CLAIMS TO BE MY SERVICER OF A LOAN HELD BY XXXX XXXX XXXX XXXX XXXX as Trustee for XXXX XXXX XXXX XXXX , XXXX XXXX XXXX have refused to respond to my Qualified Written Request asking them to provide me with proof of the " person entitled to enforce, '' ( XXXX ) or that it was someone who held some ownership or other interest in the Note. See In XXXX XXXX , XXXX XXXX XXXX XXXX , XXXX ( XXXX XXXX XXXX . XXXX ). They have repeatedly refused to set forth any documentation demonstrating that they are the holder of a secured loan on my property or the loan that allegedly secured by my property ; yet, they continue to attempt foreclosure without compliance. I have served several Qualified Written Request upon these entities specifically requesting detailed transaction and full disclosure of the XXXX . On XXXX XXXX , XXXX there was a full reconveyence recorded on the title of my property. Yet, Nationstar Mortgage continues to pursue a foreclosure sale outside of the law governing foreclosure and statute of fraud. A genuine mistake, error or fraud was committed. The alleged Foreclosure Sale is based upon fraudulent and forged documents that can be proven. There has never been any assignment of deed of trust or properly recorded substitution of trustee, who is attempting to conduct foreclosure sale. The gravamen of this case is the invalidity of the notice trustee sale by alleged trustee that was not properly substituted and the alleged servicer never acquired assignment of the deed of trust in order to foreclose. All documents used by the alleged parties foreclosing are forged, falsified and can not be confirmed. ( See a ttached Qualified Written Request and Agreement Letter from Congressman XXXX XXXX , XXXX XXXX California and Recorded Full Reconveyance attached hereto ).
Company Response:
State: CA
Zip: 90804
Submitted Via: Web
Date Sent: 2017-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-04-17
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: My home was given a auction date for XX/XX/2016. Nationstar was contacted and they told us we could still apply for making homes affordable. During this time my father was diagnosed with XXXX. We had to move closer to him. We collected all of our financials and sent in our paperwork to nationstar. I researched with making homes affordable and the rules say while in the process of making homes affordable the auction date stops until s decision gets made. I stayed in contacted with nationstar and is n't it convenient that after the auction date they claim we did n't get our paperwork in. But after fighting with them about they then admitted we got our paperwork in but we were missing 2 items. But instead of notifying us they just said sorry to late. Now we 've lost our home. Our mailing address had always been my fathers home in Massachusetts because that 's where we work. Nationstar has always sent all our correspondence there. Along with XXXX their attorney. We never received any paperwork telling us we could get our belongings out of our home. So now in XX/XX/XXXX we find out our home is for sale and all of our belongings are gone. Our hutch my father built us, our wedding videos. Our furniture. Our rocking chair from our shower. Everything. After contacting nationstar again and waiting 3 months for an answer they claim they sent us notification. We never received. At the mailing address we have always used. Is n't that convenient. So now they auction our home off and get rid of all our belongings.
Company Response:
State: MA
Zip: 01906
Submitted Via: Web
Date Sent: 2017-04-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-04-17
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I attempted to file application for a loan modification program, known as HAMP which the deadline was XXXX, 2016. As supported by documents attached, all of the necessary materials that was asked of me was given and submitted to NationStar Mortgage on XXXX 2016. XXXX made sure that I submitted a completed application and submitted the application to Nation Star mortgage on my behalf. Although NationStar wrote me and stated that I did receive a loan modification, the problem is my payment stayed exactly the same. Nationstar wrote that the purpose of the loan modification was to provide immediate financial relief but why would they keep my payment exactly the same if the goal was to provide immediate financial relief? In conclusion, I turned in an completed application on XXXX, 2016 before the XXXX, 2016 deadline and have the attachment to prove it. Secondly, NationStar informed me in writing that my loan was modified but kept my loan payment exactly the same. Furthermore, I would like NationStar to explain how providing " immediate financial relief '' equates to keeping my payments exactly the same.
Company Response:
State: OK
Zip: 73112
Submitted Via: Web
Date Sent: 2017-04-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-04-17
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: XXXX sold our mortgage to Nationstar. This happened in the middle of a house deal. I tried to get ahead of it by calling Nationstar, emailing, writing a letter requesting a payoff and using social media. The written letter was mailed XX/XX/XXXX. One very nice customer service person, XXXX even emailed within the company on XX/XX/XXXX to escalate producing the payoff letter.At first I was told to call back on XX/XX/XXXX when my account was in the system. Today via the support center ( XXXX ) I was told that our loan in not through processing and that we should be able to get the payoff XX/XX/XXXX. We were to close on XX/XX/XXXX so this delays the closing. This is unacceptable. According to the Dodd- Frank act this servicer must provide the resources and personnel to complete the transfer process. Today iis ourt transfer date and we can not obtain a payoff letter. Nationstar services our loan as today and as such mut provide the lender information they need
Company Response:
State: IL
Zip: 60030
Submitted Via: Web
Date Sent: 2017-04-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-04-17
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: My father had a reverse mortgage wit h Champion. He pa ssed away in XXXX XXXX . As his executrix of the estate, I have been working with Champion Mortgage to settle the outstanding debt and have informed them of my intent to submit the deed in lieu of foreclosure. I submitted the deed in lieu form on XXXX XXXX XXXX . While the deed in lieu of foreclosure option is being pursued, Champion contacted an attorney and started the filing of a foreclosure claim. The attorney, XXXX XXXX in XXXX , NY served me with the foreclosure action and left the document without an envelope with the doorman of my apartment building. The attorney followed up with a 2 p age letter of the suit sent to me in an envelope, then the letter with the attachments was separately mailed in an envelope marked personal and confidential, and finally a copy was sent in an envelope to my father 's address, which was forwarded to me.Therefore, the attorney intended all along to submit the documents via an envelope. So leaving a foreclosure suit in this manner with a doorman was done blatantly to embarrass. This action was quite unnecessary. I am extremely displeased that something so personal was left without an envelope with a doorman of an apartment building. My husband is on our co-op board and this personal information could have inadvertently been viewed by other members of the board. While I am listed as a defendant in the foreclosure suit as an heir, I am not personally liable for the debt. It is very distressing knowing that I am being fully cooperative with Champion and have stated my intent to provide the deed. Even though the complaint is not really against Champion, I thought this matter was something that should be raised to the CFPB 's attention.
Company Response:
State: NY
Zip: 11375
Submitted Via: Web
Date Sent: 2017-04-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-04-18
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: For the past couple of years I have tried to make my payment online to Nationstar Mortgage. Their system allows me to separate my payment by regular monthly payment and then additional principal payments. My normal payment principal and interest is {$1700.00}. For several months I was paying {$1900.00} and showing {$200.00} to go toward principal. Those funds were always put into an unapplied account. I called several times to complain and was told each time it would be taken care of. It never was and I had to call every month or every couple of months for them to apply toward principal. I stopped for a few months because it was just a hassle. The past few months I tried to pay additional principal and they put it toward the following months payment. It 's as if they are trying to stop me from paying additional principal. I would like to pay my mortgage down quicker so it is paid in full by the time I am XXXX . They are prohibiting me from doing it without calling in. This does n't seem right and I do n't know what to do.
Company Response:
State: MI
Zip: 488XX
Submitted Via: Web
Date Sent: 2017-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-04-17
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: NationStar Mortgage has not been reporting to the XXXX credit bureaus, XXXX , XXXX , nor XXXX , my payment history since XXXX .
Company Response:
State: MI
Zip: 48038
Submitted Via: Web
Date Sent: 2017-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No