Date Received: 2017-03-31
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Nationstar purchased our mortgage from XXXX in XX/XX/XXXX or XX/XX/XXXX. The terms of the mortgage state that monthly payments will include the mortgage, home owner 's insurance and taxes. As per the terms of the mortgage, the mortgage company was responsible to pay taxes from our escrow account. In early XX/XX/XXXX, we became aware that our town tax ( The Town of XXXX XXXX ) was not paid by Nationstar. We contacted Nationstar to remedy this situation. On XX/XX/XXXX we received correspondence from Nationstar that they paid the town tax on our behalf. However, as of XX/XX/XXXX, no tax payment has been received by the town, despite many phone calls to Nationstar and many assurances that said taxes have been paid. XX/XX/XXXX marks the third late deadline and, as a result, the third round of penalties imposed by the town. My first request is that these taxes get paid. My second request is that my escrow account is reviewed by a third party to assess for any mishandling. Third, I want to be remedied for Nationstar 's failure to follow the terms of the mortgage they purchased by ensuring that the town penalties are absorbed by Nationstar and not us.
Company Response:
State: NY
Zip: 11762
Submitted Via: Web
Date Sent: 2017-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-31
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: Dear Consumer Relations : In Re : loan # XXXX I am writing to file a complaint with your agency in regard to my mortgage company ( Nationstar Mortgage ) proceeding to a scheduled sale of my property XX/XX/XXXX. I also like to state, I am at the end of the process of completing a Deed-in-Lieu ; and for Nationstar Mortgage to use this tactic to force foreclosure sale of my home would be detrimental. Furthermore, I have contacted Nationstar Mortgage several times to urge them to please cease the sale until they received the necessary Lien release/paid in full documents from HUD County. The mortgage company has release a payment of {$6000.00} to HUD county XX/XX/XXXX. XXXX ( HUD county ) stated it will take 30 to 60 days to forward the information over to XXXX ( Nationstar Mortgage ). I am at the very end of completion and to simply do n't allowed the time to received the documents is just ridiculous, this due process is called dual tracking and refers to the practice of a mortgage company running the foreclosure process at the same time of running the loan under Deed-in-Lieu process and this is a violation of the National Mortgage Settlement. Lastly, I have submitted my Hardship Affidavit XX/XX/XXXX, and the application to XXXX ( Collateral Liquidation Specialist ) who is working delinquently on my file. Thank you for what I hope will be your prompt attention to this matter. Very truly yours, XXXX
Company Response:
State: LA
Zip: 70058
Submitted Via: Web
Date Sent: 2017-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-31
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: XXXX ALREADY CONFIRMED THAT XXXX WERE MISLEAD ON THE TRUTH IN LENDING AND LOAN DISCLOSURE STATEMENTS. SHE UPLOADED COPIES OF THE INACCURATE AND FRAUDULENT LOAN DISCLOSURE DOCS ALREADY. XXXX |Nationstar Mortgage, Customer Relations Specialist - Customer Relations ... IS GUILTY OF CRIMINAL FRAUD ON XX/XX/2017 .. HE SAID " Please understand that Nationstar can not comment on the actions of XXXX. We have enclosed a copy of the HUD-1 Settlement Statement and Truth in Lending Disclosure Statement which are both signed by XXXX. " THIS IS A LIE ... XXXX PROVIDED A COPY OF THE FRAUDULENT HUD ... IT CLEARLY SHOWS AN ILLEGALLY DISCLOSED LOAN WITH LENDER REQUIRED ITEMS MISSING. THEY HAVE THE EVIDENCE AND PROOF AND THEY WERE STUPID ENOUGH TO BUY A LOAN THAT WAS NEVER VALID. NOT OUR ISSUE AND IT 'S THEIR PROBLEM TO PAY FOR ***PLEASE NOTE ... XXXX AT XXXX LIED TO FEDERAL INVESTIGATORS IN A PREVIOUS CFPB RESPONSE ... SHE IS CONTRADICTING HER OWN, PREVIOUS TESTIMONY*** SHE ALREADY PROVIDED EVIDENCE AND CONFIRMED THE CRIMES WE ALLEGE***THE DENIAL NOW IS A DESPERATE ATTEMPT TO MISLEAD FEDERAL INVESTIGATORS AND INTENTIONALLY DEFRAUD THE US GOVERNMENT. XXXX XXXX ALREADY CONFIRMED THAT XXXX WERE MISLEAD ON THE TRUTH IN LENDING AND LOAN DISCLOSURE STATEMENTS. SHE UPLOADED COPIES IF THE INACCURATE AND FRAUDULENT LOAN DISCLOSURE DOCS ALREADY. THIS LOAN DISCLOSURE FRAUD WAS ALSO CONFIRMED BY XXXX AT NATIONSTAR. THIS ELDERLY COUPLE WAS GIVEN THE WRONG MONTHLY PAYMENT AMOUNT. LENDER REQUIRED ITEMS WERE LEFT OFF THE HUD/TRUTH IN LENDING STATEMENT MAKING THE PAYMENT APPEAR TO BE A BETTER DEAL THAN IT WAS. THERE WERE ALSO OTHER LOAN DISCLOSURE ERRORS ON INSURANCE AND OTHER ITEMS. IT WAS NOT EVEN CLOSE TO LEGAL, VALID OR ACCURATE. XXXX CONFIRMED THEY WERE MISLED. MISLEADING A CONSUMER IS FRAUD. LOAN ORIGINATION FRAUD IS ILLEGAL, THE ERROR ON THE DOCUMENTS NEEDS TO BE CORRECTED AND ALL LOAN PAPERWORK NEEDS TO BE RE-GENERATED AND RE-SIGNED BY ALL PARTIES. IF THIS IS NOT DONE, THERE IS NO LOAN. THIS IS THE LAW. ESCROW FRAUD IS ILLEGAL. ESCROW THEFT IS ILLEGAL. XXXX / XXXX CONFIRMED BOTH OF THESE ACTS WRITING. XXXX SOLD A LOAN THAT WAS ALWAYS FRAUDULENT, NEVER VALID AND ALWAYS ILLEGAL. KNOWINGLY DOING THIS IS AN INTENTIONAL CRIMINAL ACT TO DEFRAUD THE U.S. GOVERNMENT ON AN FHA INSURED LOAN. IN ORDER FOR A PARTY TO DENY THE ACCUSATION, THEY MUST ALSO PROVIDE PROOF BACKING UP THEIR CLAIM AND IN THIS CASE, A LACK OF EVIDENCE WOULD BE NEEDED. IN THIS CASE, HOWEVER, XXXX PROVIDED PROOF OF THE CRIMES AND CONFIRMED THEM, BUT NOW, IN A BIZARRE DESPERATE MOVE, SHE DENIES THE ACTS SHE ALREADY CONFIRMED AND PROVIDED WRITTEN EVIDENCE OF. SHE IS NOW GUILTY OF A CRIME HERSELF NOW AND SHE RISKS PRISON TIME AND FINES BECAUSE THIS IS A GOVERNMENT RELATED INSTRUMENT AND INTENTIONAL CRIMINAL FRAUD. THIS LOAN WAS NEVER DISCLOSED PROPERLY, IT WAS NEVER VALID, IT WAS SOLD ILLEGALLY. NATIONSTAR NEEDS TO PRODUCE AN ACCURATE LOAN DISCLOSURE PACKET TO THE CFPB, WITH ALL SIGNATURES AND ACCURATE PAYMENT AMOUNTS ... AND IF NOT ... THEY NEED TO STOP ALL CLAIMS OF LEGALITY AND THEY NEED TO ACCEPT THE LOSS OF THIS ENTIRE LOAN AS REQUIRED BY LAW. PLEASE NOTE THAT THIS LOAN IS CURRENT, THIS IS NOT A DESPERATE ATTEMPT TO SAVE A HOME WE ARE LOSING OR ARE BEHIND ON IN PAYMENTS. THIS IS BASIC CONSUMER PROTECTION AND BASIC, FUNDAMENTAL JUSTICE. THESE CRIMINAL SCUMBAGS ARE STEALING HOMES, COMMITTING ILLEGAL ACTS ... KNOWINGLY ... .AND WILLINGLY.THEY ARE COLLECTING ON A CRIMINAL ACT, NOT A LOAN, AND WE SIMPLY WO N'T ACCEPT IT ... EVER. ***MAKE NATIONSTAR PRODUCE AN ACCURATE AND COMPLETE LOAN PACKET WITH A HUD/ TRUTH IN LENDING FORM SIGNED BY ALL PARTIES**
Company Response:
State: FL
Zip: 34293
Submitted Via: Web
Date Sent: 2017-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2017-03-31
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I have been trying to sell my property as a short sale however the investor for my loan which Nationstar services insists can only be sold through a short sale auction. We have now done 3 short sale auctions. If rehabbed the home is worth about {$870000.00}. The home needs about {$150000.00} in major work per contractors who 've submitted offers previously. The 1st auction starting bid was {$860000.00} no bids. The 2nd auction the opening bid was {$610000.00} and the winning bidder won at {$750000.00} however they never inspected the property and once they did they cancelled. There were back up offers at {$610000.00} but per Nationstar the offer was too low for the investor. This most recent auction I thought we had a chance because the bidder was going to live in the home and seemed very interested. Their final bid was {$790000.00} but had not inspected the home. After inspecting it they also cancelled. I accepted an offer from an investor for {$650000.00} but it was denied from Nationstar. No investor will offer more and here 's why. {$650000.00} plus {$150000.00} = {$800000.00} plus {$50000.00} for closing costs and commissions means they 'd spend {$850000.00} to possible make $ XXXX-XXXX. I want to short sale the home and avoid foreclosure. But the process simply wo n't allow it. I know the balance is over $ XXXX but I did n't cause the problem. In XX/XX/2008 I had entered into a modification with XXXX bank and they accidentally foreclosed. When they rescinded the foreclosure they sold the loan to XXXX XXXX XXXX on the same day. XXXX XXXX XXXX would not honor the modification agreement and for years indicated that there was no loan record and therefore could not accept any payments. The loan sold shortly after they finally put together what was my balance and the same problem occurred with the next servicer. It finally transferred to Nationstar and if this loan was serviced by any other lender the short sale would 've already occurred and we could move on. But the conditions set forth by Nationstar and the investor are making the short sale an impossibility. I 'd like to buy a home again in the near future but a foreclosure or deed in lieu are simply poor options. Like I said any other servicer would simply go with the best and highest offer. The existing offer of {$65000.00} is more than generous especially considering the risk is high and the return is limited to non existing. I 'm going to seek legal advice and possible have to file a civil complaint against the investor and Nationstar simply because they are not considering real viable offers for a short sale. I should n't have to sue the bank simply to allow me to shortsale the property. I know that Nationstar will say we are doing what the investor is allowing but that simply means that I am not able to property sell the property due to the auction process and what the expectation from the investor in what will be a realistic price. Like I said every single bank and investor out there with the exception of these two are making a simply process impossible. I am the victim of fraud from XXXX and not being able to keep the home was due to errors on their part. By the time Nationstar offered me a modification of $ XXXX monthly payments I accepted and made those payments until I could n't afford that amount. I do n't know many people who can afford a {$4700.00} mortgage. The previous modification with XXXX was only {$3200.00} and even that was difficult but through the years the balance grew and I could n't do anything about it. The timing of this is horrible. I just want to sell the property and move on. Please help me convince them to be realistic about the short sale offers that are viable. Filing a law suit just to eventually mediate a short sale is a horrible way to resolve this.
Company Response:
State: CA
Zip: 90720
Submitted Via: Web
Date Sent: 2017-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-31
Issue: Settlement process and costs
Subissue:
Consumer Complaint: LOAN DISCLOSURE FRAUD ~ ILLEGAL PURCHASE AND SALE OF A FRAUDULENT LOAN. ATTACHED IS THE HUD STATEMENT FOR XXXX, XXXX FL. IT WAS DISCLOSED WITH ESCROW ITEMS LEFT OFF, MAKING THESE ELDERLY CONSUMERS THINK THEY WERE SAVING MONEY WHEN THEY WERE ACTUALLY BEING RIPPED OFF. NATIONSTAR AND XXXX HAVE BOTH WENT ON THE RECORD AND STATED THAT LOAN FRAUD IS PART OF THEIR DAILY BUSINESS PLAN. THEY HIDE LOSSES USING FRAUD AND THEY ALSO COLLECT ILLEGAL FEES USING FRAUD ON PAGE 3 OF THIS STATEMENT, ESCROW DISCLOSURE, {$200.00} A MONTH WAS LEFT OFF IN THIS SECTION AND THEY NEVER CORRECTED THE FILE AS REQUIRED BY LAW. NATIONSTAR HAS SHOWN ZERO HONESTY AND AFTER DOZENS OF CFPB COMPLAINTS THEY REVERTED BACK TO THEIR STANDARD LIE " WE CA N'T ATTEST TO THE ACTIONS OF THE PREVIOUS SERVICER ''. IS IS 100 % FALSE AND 100 % MISLEADING. ALL PAPERWORK IS TRANSFERRED AND ALL SIGNATURES AND FORMS ARE IN THEIR POSSESSION. NATIONSTAR CONFIRMED LOAN FRAUD BUT THEY SELL HOMES THEY DO N'T OWN. WE WITNESSED FIRSTHAND AS XXXX, XXXX FLORIDA, WAS SEIZED, MARKETED AND AUCTIONED BY NATIONSTAR EVEN THOUGH THEY NEVER LEGALLY OWNED THIS PROPERTY. THEY CONTINUE TO LEAVE THIS PART OUT OF THEIR CFPB RESPONSES TO US. THEY STEAL HOMES, THEY DO N'T OWN THEM, THEY DO N'T CARE. THE THEFT OF XXXX IN XXXX FL IS ALL IN WRITING WITH DATES AND NAMES AND A TITLE COMPANY CLEARLY SAYING " NATIONSTAR DOES NOT AND NEVER DID OWN THIS PROPERTY THEY JUST SOLD ''
Company Response:
State: FL
Zip: 34293
Submitted Via: Web
Date Sent: 2017-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2017-03-30
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: My property was sold but I was no sent a letter. I spoke to someone and was advised the sale date was XX/XX/2017 however the property was sold on XX/XX/2017. I had submitted my file for modification review.
Company Response:
State: AR
Zip: 72204
Submitted Via: Web
Date Sent: 2017-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-30
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Nationstar Mortgage LLC - unlawful foreclosure auction of Consumer XXXX home - subject to FEDERAL CRIME! Please see attached. Exhibits will be faxed shortly. Thank you for upholding Consumer Protection Laws as you investigate Nationstar Mortgage LLC.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-30
Issue: Application, originator, mortgage broker
Subissue:
Consumer Complaint: Called Nationstar mrtg to refinance the loan. XXXX ran our credit report and siad since our credit score was XXXX we didnt qualify for the " better '' loan which would bring our payment to $ XXXX.Since we had a credit score below XXXX best they could do was about $ XXXX.Current mortgage is {$1800.00} going to XXXX for the remaining 20 years of the term.He suggested we call the loan mod dept.Called loan mod on XX/XX/XXXX@XXXX .Spoke with XXXX who emailed me info needed for loan mod.Sent over the info back to XXXX on the XX/XX/2017 and he responded two days later saying he would be forwarding the info to the loan prosessors.we received a letter dated XX/XX/2017 on XX/XX/2017 asking us to Call XXXX letting us know he is our dedicated Loan specialist. The sooner you call, '' the SOONER YOU MIGHT FIND A SOLUTION TO YOUR MORTGAGE NEEDS '' Called left him a msg on Monday XX/XX/2017. He called home and then on my cell on the morning of XX/XX/2017. Could not talk too much because I was at work.Asked him to call after XXXX EST. He called the next morning and spoke to my wife. He informed her that we did not qualify for the loan mod because he did not see any hardship!!! No death, XXXX or loss of job .That is why we did not qualify. Mind you I had been out of work from mid XX/XX/XXXX till mid XX/XX/XXXX. Just got on a full shift two weeks ago ( still XXXX ). We had a similar problem when applying for a loan mod from the bank this company bought the loan from. Loan mod took over 1.5 years and finally fell through after all the running around. Same loan #. More info can be provided as neede
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 20832
Submitted Via: Web
Date Sent: 2017-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-29
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: Nationstar Mortgage LLC. is still attempting to foreclose on my home using falsified documents and refuses to respond to my complaints. I have filed complaints with CFPB, to which Nationstar Mortgage refuses to respond directly. I have disputed the fact that they have failed to respond directly to these complaints, but they have refused to respond to the disputes. I have daily called Nationstar Mortgage to discuss the fraudulent foreclosure they are attempting to complete. In the recorded phone conversations, Nationstar associates have promised they will return my calls and escalate my case. They have promised they will forward my concerns to the proper management for review, but I have not received a return call from anyone in their office. I have sent numerous emails, and letters, but my emails are never answered. Today I spoke with a Nationstar associate, XXXX. She assured me that because of the urgency of the situation, she would forward my concerns to a department which was " higher than a manager ''. She also assured me that she would call me later today after this process was complete. Because Nationstar employees have had such poor track records regarding returning calls, I asked for her office extension number. It was at this time that she hung up, and did not call back. Unfortunately, my experience today is the same type of experience I have had nearly every time I have spoken with Nationstar associates for the previous nearly three years. I have never been able to speak with the same associate more than once. I do not have a direct contact person with Nationstar. In addition, I will be attaching two Assignment of Mortgage documents which show fraud in the form of conflicting dates and locations of these assignments. The first Assignment of Mortgage to XXXX, took place on XX/XX/XXXX in the state of Texas. This Assignment of Mortgage was never filed at my local courthouse. The second assignment of Mortgage took place on XX/XX/XXXX in the state of New York. These conflicting Assignments substantiate the complaints which I have filed with CFPB previously, proving that XXXX did not follow the proper chain of title when the Assignment of Mortgage took place. My questions are the following : 1. Why are there two ( 2 ) Assignment of Mortgages which transfer the mortgage to " apparently '' the same entity? 2. Why was the first Assignment of Mortgage never recorded at my local Courthouse? 3. Because I was not notified of these transfers, who received my loan payments which were sent in? XXXX or the new owner/owners of my mortgage? In addition, I was never notified by the new owner/owners of my mortgage when these " supposed '' transfers took place. The Helping Families Save Their Homes Act of XX/XX/XXXX also added a new provision in TILA which requires that whenever ownership of a mortgage loan securing a consumer 's principal dwelling is transferred, the creditor that is the new owner or assignee must notify the borrower in writing, within 30 days after the loan is sold or assigned, of the following information : the new creditor 's identity, address, and telephone number ; the date of transfer ; location where the transfer is recorded ; how the borrower may reach an agent or party with authority to act on behalf of the new creditor ; and any other relevant information regarding the new owner. ****I never received correspondence from the new owner of my mortgage.
Company Response:
State: WY
Zip: 82801
Submitted Via: Web
Date Sent: 2017-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2017-03-30
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: In XXXX I noticed my payment increased by roughly {$100.00}. When I enquired with Nation-star, they advised I had an escrow shortage on my account for the XX/XX/XXXX taxes. Furthermore they anticipated taxes to increase in XX/XX/XXXX, thus they needed to build up the escrow balance. I 've made all of my payments since origination and there is no reason that there should have been a shortage on my Escrow account. During the year of XX/XX/XXXX my loan was being serviced by XXXX financial services. XXXX was purchased by Nation-star thus my loan transferred under their servicing umbrella. I informed Nation-star should have provided me a notice informing me my payment was going to increase. They advised they sent a letter informing me. I requested they send again so I could have for my records and I still have not received the notice. I also requested a full escrow analysis to be completed on my account. My understanding is they have 30 days to send this information. As of today, I am yet to receive any information. I requested this information in early XX/XX/XXXX. Nation-star has been unable to provide sufficient documentation supporting why their was an escrow shortage. I believe there was a miscommunication between XXXX and Nation-star and now I 'm paying extra due to their lack of detail during the service transfer. I 'm helping the CFPB can help me gain a full understanding as to why their was an escrow shortage and why i 'm being asked to pay an additional monthly fee to compensate. I would also like to understand why I have not heard anything regarding my dispute since XXXX. Sincerely, XXXX
Company Response:
State: UT
Zip: 84117
Submitted Via: Web
Date Sent: 2017-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No