Date Received: 2017-04-13
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I became a Client of Nationstar mortgage thru a transfer involuntary because XXXX sold it to them.XXXX XXXX XXXX. I din not refinance with them nor sign any documents.upon applying for a reverse mortgage.IT WAS ADVISED THAT I HAD DONE A REFINANCE WHICH IS FALSE PUTTING A 50 LOAN ON THE PROPERTY .WHEN THE SALE TO NATIONSTAR.I HAD ONLY 10 YEARS LEFT ON THE MORTGAGEWHEN I CALLED NATION STAR TO LOOK AT THESE DOCUMENTS FOR A REINANCE. THEY FAILED TO SEND ME COPIES OF THESE DOCUMENTSAS WELL THAN SENT THE CREDIT BUREAU ERRENOUS INFORMATION REGARDING MY PAYMENT HISTORY TO AVOID ME FRM PROCURING A NEW LENDER ANR OR OBTAINING A REVERSE MORTGAGE. I PURCHASED THE HOME OVER 20 YEARS AGO WITH XXXX .NO LATE PAYMENTS.THEN BE TRANSFERRED TO NATION STAR AND HAVE BEEN FRADULENTLY HAVE ON RECORD A REFINANCE THAT I WAS NOT AWARE OF.IN ADDITION MY XXXX A WEEK Apart and I was left with XXXX XXXX ca.during my XXXX A COUPLE MAI AND HER HUSBAND STATED THEY WERE UNABLE TO OBTAIN FINANCING DUE TO THEIR BEING IMMIGRANTS FROM XXXX XXXX BECAUSE I HAD THE PROPERTY ON XXXX XXXX CA OF WHICH I WAS ALLUDING TO REGARDING XXXX TRANSFER TO NATIONS STAR AND BEING A XXXX. I WOULD ASSIST THE XXXX IN PURCHASING THE XXXX. XXXX CA. THEY PAID THE AGREED MORRTGAGE PAYMENT FOR 1 YEAR.I SENT SEVERAL PHONE CALLS AND LETTERS OF WHICH THEY NEVER ANSWERED.I CONTINUED TO PAY THE TAXES FOR SEVERAL YEARS AND THEN AFTER DISCOVERED THEY HAD A RESTURANT ON XXXX OAKLAND. 1000 FEET FROM THE XXXX.AND UNBENOWEST TO ME HAD A REAL STATE LICENSE. XXXX AND NOW IN XXXX CA. AS WELL AS FOR YEARS HAD THE PROPERTY XXXX.XXXX CA XXXX ON XXXX WHEN THEY HAD STOPPED PAYING ME AND LISTED IT AS HAVING PAID ME IN FULL WHICH WAS FRADULENT.I AM A SENIOR HAVING HAD XXXX AND SEVERAL EPISIODES OF PENDING DEATH. ENOUGH IS ENOUGH.I AM ALMOST XXXX YEARS OLD. I NEED THIS FRAUD ON XXXX AND XXXX INVESTIGATED. XXXX.
Company Response:
State: CA
Zip: 94565
Submitted Via: Web
Date Sent: 2017-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-04-13
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: Nationstar continues to refuse postponing the foreclosure sale date to allow the sale to go through even though they are being paid off in full and it is the first foreclosure sale date the homeowner has had. We are simply asking for one postponement. Nationstar is stating that if we were doing a short sale they would postpone to allow the short sale to go through but they will not postpone if they are going to get paid off? This just does n't make any sense to us and we are simply told this is the guideline without any other explanation.
Company Response:
State: CA
Zip: 91505
Submitted Via: Web
Date Sent: 2017-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-04-12
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: my mortgage company stop taking my payments them filed foreclosure before the 6 month period Ohio says that mortgage banks have to wait for you to be behind
Company Response:
State: OH
Zip: 43110
Submitted Via: Web
Date Sent: 2017-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-04-11
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I had a trial modification going on with Nationstar mortgage company. I had my last trial payment due in XX/XX/XXXX. I got online on XXXX ( I had always submitted my payments on the 30th due to that being my pay date ) and the website was down and would not accept my payment. I took a screenshot of that issue, with the time and date it happened in the lower right hand corner of my computer screen. I was unable to make this payment and the company was closed due to the holiday until XX/XX/XXXX. I called them first thing on XXXX and let them know of my situation and what had occurred, they told me to submit my pictures and someone would get back to me. I emailed the pictures on XXXX and never heard anything back from them. Then on XXXX, I received final modification paperwork in the mail, I called them and asked them if this was correct and should I go ahead and fill it out- they insured me it was and to go ahead and do so. I filled it out immediately and returned it notarized the next business day. On XXXX, I received a call from my dedicated loan specialist informing me that my final documents had been received and everything was " good to go '', all I had to do was start making my regular monthly payment according to the new documents in XXXX. ( This was only the 3rd time I had every heard from my " Dedicated Loan Specialist '' in a 2 year time span ). I told him that was great news and assumed everything was taken care of as far as the pictures I sent in and the documents I had sent back. Fast forward to XX/XX/XXXX and I called Nationstar to make my " regular monthly payment '', the lady on the phone tells me that can not be done because I missed my final trial payment and I still owe for it. I told her that my dedicated loan specialist told me otherwise and I thought I was paying a regular payment. I told her I would do whatever needed to be done. She spoke with supervisors and they got it approved with some " code '' to accept my payment and re-open the modification to finalize everything. I paid the payment and she said to check back in a few days to make sure it all went through. I continued checking my online account and noticed the XXXX payment said " un-applied funds '', so then I called back. Everyone tells me, its in the escalation stages and nothing has been determined yet, they tell me to call back every few days to call. I ask to speak to my " dedicated loan specialist '' to question why he told me something otherwise, and he is always busy. I spoke to a Supervisor around the middle of XXXX, and she assured me that she was going to speak to one of her contacts in the escalation department and get this resolved, then personally call me back, but still nothing and not return phone calls. On or around XXXX, I received a call from a customer support lady who handles complaints who gave me her personal number and wanted to hear my story, and said she would be checking into this and keeping me informed. As of date XX/XX/XXXX, I have never heard back from her and have left her two voicemail 's to return my calls, with no return call either. This whole situation has been a complete nightmare, I have called this company until I 'm blue in the face numerous times throughout the week and spent endless hours on the phone with them, to never get anything resolved. I 'm at the point where I 'm absolutely disgusted with the way they have treated me throughout this process and feel like I deserve much better, because I have went above and beyond to stay compliant.
Company Response:
State: KY
Zip: 40422
Submitted Via: Web
Date Sent: 2017-04-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-04-11
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: We are selling my deceased mother 's home and are trying to pay off the balance. We have asked for final amounts. Some of the fees that are being included were hidden in balance amount without being disclosed ( {$750.00} appraisal fee ) and others are very vague/unnecessary ( Title report fees of {$320.00} ).
Company Response:
State: CT
Zip: 06033
Submitted Via: Web
Date Sent: 2017-04-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-04-11
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: After conducting an in-depth review of our original loan documents and the conveyances of our home, we have found numerous discrepancies in violation of state & federal law. The documents used to convey or transfer our property are fraudulent as the individuals who signed and the companies that prepared them were the found guilty of fraud in other court cases throughout the United States. ( See : Attachment )
Company Response:
State: MD
Zip: 20746
Submitted Via: Web
Date Sent: 2017-04-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-04-11
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: In XX/XX/XXXX I was notified that my loan was transferring from XXXX to NationStar Mtg. Prior to the loan transfer I had received and responded to notification that XXXX was in need of my homeowner 's insurance policy. This information was provided prior to the transfer date but the cancellation was not processed in time for the full refund to be sent to NationStar. After the transfer, XXXX refused to assist me with obtaining a full refund and continued to direct me to NationStar for assistance. Since the transfer of my second mortgage, I had to make numerous attempts to resolve this matter. All refunds issued were applied incorrectly, giving credit to my principal balance and payment instead of crediting my escrow account. Since the funds were never properly credited to escrow, NationStar analyzed my account and raised my mortgage payment. I have constant ; contacted them trying to resolve this matter but I am unable to get in contact with someone that can get this resolved. Last month, I finally received credit for the final refund amount and once again the funds were applied to my payment and principal balance instead of clearing the escrow account. Since the balance of the insurance refund amount was finally received ( although applied incorrectly XXXX, I contact NationStar to may my XX/XX/XXXX payment over the phone and to pay the amount needed to clear the escrow account. Although the conversation was very clear as to what the funds were to be used for ( call was recorded by NationStarXXXX ), once again the additional monies that should have been applied to clear the escrow advance, were once again applied to the outstanding principal balance. Once again I contacted NationStar to resolve this matter. After demanding to speak to a manager I was connected to a XXXX whose directly line is XXXX. XXXX could n't seem to show any empathy regarding my situation and displayed a terrible attitude while speaking with me regarding this issue. I once again went through the entire sequence of events starting from the point in which my loan transferred to NationStar back in XX/XX/XXXX. She finally assured me that she would get to the bottom of this issue and would resolve the issue within the next two weeks. It has now been over a month and I continue to place calls to XXXX at the number she provided. I 've left at least 4 messages for XXXX to contact me regarding this matter and still to this date have not received a call back nor has the issue been resolved ( based on NationStar 's website and mobile app ). Help is needed immediately with getting this issue resolved as I have exhausted all of my patience regarding this matter. My XX/XX/XXXX payment was due yesterday, XX/XX/XXXX and once again I am not able to make the payment because the payment amount is still inflated due to the fact that the principal reversal and the escrow advance has not been cleared. I have made countless phone calls and have spoken to a number of individual regarding this matter and no one seems be able to resolve this matter. I am hoping that the CFPB can help me connect to the correct individual at NationStar so an end can be put to this fiasco : reverse the additional principal payment applied in XX/XX/XXXX and credit to the escrow advance amount, remove the escrow requirement and change my payment so I can make my regular NORMAL PAYMANT of {$490.00}. Should anyone care to speak to me from NationStar or the CFPB, I can be reached at XXXX ( an no NationStar you can not add this cell phone number to your records. This is provided for a callback regarding this issue only ).
Company Response:
State: FL
Zip: 33024
Submitted Via: Web
Date Sent: 2017-04-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-04-10
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I received a notice from NationStar stating that I had a shortage of XXXX I called Nation Star spoke with XXXX in customer services on XX/XX/2017 at XXXX I asked to speak with an escrow specialist he said he also work wit the escrow I made him aware I was recording the calls because I have had issues such as this problem before. I asked him again was he a escrow specialist, he then connected me to the escrow department spoke with XXXX. I advised her that I was recording our conversation was that ok with her she did n't have a problem I explained to her what the issue were on XX/XX/2017 I sent the shortage in which I was informed I owed XXXX and also XXXX dollar to different payments mailed in separate for my mortgage payment I sends in XXXX to XXXX dollars extra toward my mortgage. I was informed they both went to the principle she could not figure how to repair the problem I then was informed by XXXX a team leader would be working on this issue I asked her what was the person name that would be working on this issue she said XXXX or XXXX the teat lead. I waited I did n't speak with either person I then went on line to check and things were change that I owe more I talked to Anothey I informed him I was recording our conversation he said I can run it again it would be different I told him that is not what I 'm calling for I do n't need to be ran again he said he did n't run it again and told me my shorted was XXXX I said no that 's not true I also have it recorded I owe nothing as far as a shortage every time I go back Nation Star is informing me that I owe more money on my shortage I send extra money in toward my principle and they still are making mistakes on my payments .I have also pay for XX/XX/2017 what would be there next mistake something needs to be done about this issue. If they need extra information I have it recorded.
Company Response:
State: NC
Zip: 28269
Submitted Via: Web
Date Sent: 2017-04-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2017-04-10
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I was having XXXX ( XXXX/XXXX ) as my lender since XXXX XXXX. They transferred it to Nationstar Mortgage , LLC during end of XXXX stating that payments from XXXX will be done by new lender. Nothing happened - neither the new lender contacted me nor the mortgage payment happened.
Company Response:
State: AZ
Zip: 85085
Submitted Via: Web
Date Sent: 2017-04-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-04-10
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I took a out a mortgage in XX/XX/2006. The lender advertised low monthly payments and low interest rates which mislead me to take out a mortgage loan. However, the low monthly payment and low interest rate was never apply to the loan I took out. I tried to do loan modifications but even that has been denied several times.
Company Response:
State: NY
Zip: 11550
Submitted Via: Web
Date Sent: 2017-04-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No