Date Received: 2017-04-10
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: On XX/XX/XXXX, I became 30 days late on my XXXX loan # XXXX held by Nationstar Mortgage LLC. On XXXX/XXXX/XXXX, Nationstar had planned to refinance the XXXX loan from a 1 Yr US Treasury XX/XX/XXXX Fixed Adjustable loan to a Monthly LIBOR ARM loan without disclosing this fact to me. On XXXX/XXXX/XXXX, Nationstar ended the foreclosure action rights on their own behalf on the XXXX loan Nationstar titled loan XXXX by closing the loan due to refinance. On XXXX/XXXX/XXXX, Nationstar refinanced the XXXX loan without any much less state and federal disclosure of/and concealed their use of the new APR, the new monthly adjustment, the new notice of change, the new XXXX indexes they would use for the next 9 months and Nationstar failed to have a new mortgage CASH OUT to Nationstar in overstated principal and over collected interest, and new note signed by me. On XXXX/XXXX/XXXX, Nationstar, after referring the closed XXXX loan for foreclosure action despite the loan being closed by Nationstar on XXXX/XXXX/XXXX, claimed the XXXX loan was at a XXXX balance in their XXXX/XXXX/XXXX to XXXX/XXXX/XXXX account histories on lines XXXX, and claimed a new loan was originated on XXXX/XXXX/XXXX in lines XXXX by number NOT description. On XXXX/XXXX/XXXX, I had discovered XXXX had fraudulently or by error overstated the principal balance, and notified Nationstar, and they refused to credit the principal and then recalculate all already overcollected interest and then recalculate their claims demanded in then XXXX payoff statements, due to their threats of foreclosure. On XXXX/XXXX/XXXX, my lawyer did n't verify the Nationstar demand only the XXXX error in principal that had caused me to be overcharged interest from XXXX to XXXX in the amount of over {$5800.00}. Despite the refinancing of and closing of the XXXX loan ( Nationstar loan XXXX ), on XXXX XXXX, XXXX, Nationstar filed XXXX XXXX and continued to service their own Monthly LIBOR ARM, for a total of 9 months. On XXXX XXXX, XXXX, Nationstar forced me to payoff an undisclosed concealed Monthly XXXX ARM loan I had no knowledge of nor did I ever give Nationstar consent to originate and then service for 9 months without valid loan documents allowing them to do so, all while I was under the threat of a foreclosure action turning to judicial order of sale. In XXXX, when I tried to rescind the XXXX loan because my previous attorney did n't verify accuracy of Nationstar 's demand for payoff, Nationstar paid me {$5000.00} for general damages claiming verbally to me through counsel that there was only XXXX loan, despite fact in calculation and their own admission in their XXXX/XXXX/XXXX account history 's lines XXXX & XXXX and that they had concealed the description of the claimed payoff and new loan in all of XXXX, to avoid disclosure and losing their claims outright to unlawfully obtain my payoff. In doing this, Nationstar 's counsel, despite my FCRA complaint claimed accurate information was being stated at the CRA 's as " Current Status '' as of XXXX/XXXX/XXXX as XXXX days past due. As an unrepresented party, I did n't know that was wrong with paid and closed. I have rescinded the Nationstar undisclosed loan that was concealed from the XXXX agreement and from me and other government agencies and Nationstar refuses to refund me and refuses to correctly and accurately furnish information to the CRA 's for both loans, as of XXXX/XXXX/XXXX, and this has caused me excessive loss of equity and damages personally/economically.
Company Response:
State: OK
Zip: 73012
Submitted Via: Web
Date Sent: 2017-04-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-04-09
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: In XXXX 2016, I recently fell into some unexpected financial hardships. I was trying to take care of myself and my mom. I became delinquent by some months with my mortgage. However, at the start of the year I began making as many payments as I could to catch up. I explained this to the lady I spoke with, but it did not do any good. I am looking to get help from Maki ng Home Affordable co unselors. I would like to know where the money is that I sent to Nationstar Mortgage in XXXX , Texas. I have not stopped trying to make payments even if it was something to send to catch up the balance. Now, they are threatening foreclosure. Please help. XXXX Serviced by Nationstar Mortgage LLC, a subservicer for XXXX XXXX Number XXXX Interest Bearing Principal Balance XXXX Interest Rate 3.750 % Escrow Balance XXXX Amount past due {$4000.00} - This amount has been paid. I am just working to catch up the first few months of the year. I have also contacted the VA for assistance and nothing. No one is willing to help me out. I do not want to lose my home.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: LA
Zip: 711XX
Submitted Via: Web
Date Sent: 2017-04-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-04-09
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I just recently filed a complaint against XXXX Serviced by Nationstar Mortga ge LLC, a sub-servicer for XXXX XXXX Number XXXX I have tried to speak with these individuals, but they are very rude and refuse to give me any assistance. I am afraid to answer my phone now. However, I have still managed to contribute to the delinquent payments regarding my mortgage. Please help. Please note this is the address I have been sending payments, too. Nationstar XXXX . XXXX XXXX XXXX , TX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: LA
Zip: 711XX
Submitted Via: Web
Date Sent: 2017-04-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-04-07
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I have had a very difficult time with Nationstar I have tried to submit for a loan modification several times. I was never able to communicate to the same person which always caused confusion. Nationstar always seemed to lose my paperwork, which I constantly had to re-fax. I was originally with XXXX XXXX XXXX and was in the middle of the loan modification getting approved. It was sold to Nationstar, and they never honored the modification. I had to start all over and Nationstar never tried to help with the modification.
Company Response:
State: ME
Zip: 044XX
Submitted Via: Web
Date Sent: 2017-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-04-07
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Hi my name is XXXX and I 'm writing in cause i was lied to about my opinions to save my home through the government program called harp i told that the program had ended and disputed that cause i had received lots of information from harp telling that i qualified and do n't let my morage company tell me that i do n't i told my rep at nationstar only to be told that is program had stoped and no longer exist which was totally not true i told him that i wanted to save my home and that did n't believe what he was telling me but i when out looking for someone to give me a second cause my home was given to me by my mom and it was paid off which i sent him the proof in an email and i only borrowed XXXX which my ex wife stole from me I 'm really trying to take care of this my one opition is to go into my XXXX and another fund at my job or harp or file bankruptcy but i do n't want to lose my home and i want to be told the truth about the programs
Company Response:
State: OH
Zip: 440XX
Submitted Via: Web
Date Sent: 2017-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-04-06
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I took out a mortgage loan in XXXX with XXXX. Which was sold in XXXX to XXXX XXXX XXXX who then sold it to Nationstar in XXXX. In XXXX we did a modification with Nationstar. Recently my husband and myself reviewed a copy of our credit report only to see for the last 2 years Nationstar has been reporting inaccurate data to the credit bureaus. They are reporting that my husband and I are anywhere from XXXX XXXX to XXXX XXXX behind in our mortgage and 30 to 60 days late. It depends on which report is pulled at the time. Also when the mortgage was modified we were told what the new loan amount would be. They also have it showing on our credit report as if we are over limit on out loan. It shows loan balance XXXX XXXX then it shows highest balance XXXX. This was all included in our modification. I feel this information is wrong. It is making my husband and myself look like we are people just trying to get over when we are actually 2 people working hard to give our kids a better life. This is Defimation of our character and credit worthiness
Company Response:
State: CT
Zip: 06614
Submitted Via: Web
Date Sent: 2017-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-04-06
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I have owned my home for nearly 25 years. I have never had any problems with my mortgage company or making my payment until recently. I am now facing foreclosure and feel that my lender Nationstar Mortgage is not allowing me the chance to fix this problem. I suffered some major health problems in the last couple of years and have been unable to work. I am awaiting a XXXX hearing this XXXX, at which time I will most certainly be awarded benefits. I have informed Nationstar of this situation and they are aware and told me they would work with me and just wanted to be kept in the loop. Well I have done this with them and they told me it would all be fine. But now they have started sending foreclosure notices to me in the mail and are moving to set an auction for my house. I do not want to lose my home that I have owned since 1994, I have nowhere to go and have made thousands of dollars of payments over the years. I understand that Nationstar received millions of dollars in taxpayer bailout funds and that they are obligated to work with struggling homeowners. I also understand that there are various programs for people who are unemployed or become XXXX that allow a deferral of payments while the situation gets figured out. Believe me, if I could work and pay Nationstar right now I would. I worked as an XXXX for 30 years and made a good living. However, after years of hard work my body suddenly started to give out on me. I was XXXX and then with an XXXX. Not long after that I had to have XXXX and then also on XXXX. I am an excellent candidate for XXXX but have been waiting nearly THREE YEARS for my hearing which is coming up in a couple of months. I do not want to lose my home at foreclosure auction and I do n't know why Nationstar is not considering me for unemployment programs that allow homeowners to defer past due payments while awaiting employment or the receipt of XXXX funds. I am concerned that Nationstar is not allowing me access to these programs and not giving me the chance to save my home Once my XXXX is approved I know that some type of plan can be worked out. My delinquency is close to {$5000.00} at this time. This is more than I could possibly pay in a lump sum but it is not such a large amount that this situation ca n't be figured out. I am asking for some compassion from Nationstar, and the chance to be considered for all available programs. Right now I am at their mercy as I do not have any type of steady income but I assure you that after this XXXX hearing I will be granted benefits and will be able to get back on track and make timely payments for the rest of the life of this loan. I wanted to inform your office of this situation in hopes that you can assist and persuade Nationstar to allow me the chance to save my home through this program.
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-04-06
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I have a Mortgage with Nationstar Mortgage loan. I can not get the mortgage company to state why they are not posting the required principle payment in my note and are charging everything on regular payment to interest and only posting addition principle that I am paying toward principle. I have contacted the company several time and can not get them to give me an answer. They first stated that my loan was all interest for the first 10 years which is not true because before the purchased the note from XXXX XXXX I was paying both interest and principle with my payments and I have the original note. These people do not seem to understand or do not want to help resolve the issue. I do not know what to do except file a law suit against the company.
Company Response:
State: GA
Zip: 30815
Submitted Via: Web
Date Sent: 2017-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-04-06
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I have a fixed 2nd mortgage with Nationstar Mortgage. I noticed on my statement that I have been assessed a {$37.00} fee for " Optional Products and Services '' beginning XX/XX/2016 to present day. I DID NOT opt-in for this optional product /service.
Company Response:
State: GA
Zip: 30349
Submitted Via: Web
Date Sent: 2017-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-04-06
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I received an Annual Escrow Account Disclosure Statement in XX/XX/2016 - outlining my mortgage escrow shortfall amount. I could choose to have the shortfall amount of {$710.00} included in my mortgage over the next 12 months or pay the shortfall. The option to pay the shortfall was to pay it in full or a percentage - I paid 50 % of the shortfall which was {$350.00}. Instead of the shortfall amount being applied to the escrow, the amount was applied to my principle. A new mortgage analysis was never completed to reflect the payment of the escrow shortfall - therefore a new mortgage amount was never calculated. Now I am being told that I am behind in my mortgage payment since the payment that is reflected is based on no payment being made to escrow shortfall. The payment amount is based on the escrow being divided equally into my mortgage payments over the 12 months.
Company Response:
State: DE
Zip: 19973
Submitted Via: Web
Date Sent: 2017-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No