Date Received: 2017-03-28
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: In XXXX Nationstar became the 'servicer ' on our loan. They have tried everything to put us in default including manipulation of their transaction history report. They regularly posted payments late even though we have the tracking numbers for their receipt. They tried to establish an illegal escrow, with no proof except their transaction history. In XXXX, they started returning our periodic payments and the payments they accepted were applied to their bogus escrow account rather than interest and principle. They accelerated the loan in XXXX and ultimately foreclosed in XXXX after returning 18 months of payments. In court, a witness for Nationstar testified, under oath, that no escrow existed. A week after that testimony, Nationstar forced -placed an escrow on our homeowners policy, which we have been paying over 11 years as per an escrow waiver. They paid over our paid up policy and instructed the insurance company to return our payments. We received a refund check and have now returned this check to the insurance company. This is the 2nd time Nationstar has tried to place an escrow on our insurance. This is nothing more than under-handed tactics so they can show the court, they actually have an escrow. The only problem is that it 's too late and they have no grounds for doing so. Also, Nationstar has named itself as mortgagee under the insurance policy, while they signed an affidavit for the court, stating that they are only a servicer. They will not respond to us as to their 'mortgagee ' status. There are missing entries on their transaction histories and no 2 are alike. The history shows numerous property inspections, sometimes 3 in one month. They refuse to answer our QWR 's, and any and all questions about their status, the status of a lender, the validity of an assignment and many questionable entries on their history. What I find particularly interesting is that the transaction history shows our payments coming in, but do not show any monies going out to lenders, etc. This has been nothing more than a manufactured default and the illegal foreclosure and is fraud upon the court. This is a company that should be out of business for their illegal procedures. Anyone who reads this, should question every move they make and do n't believe a word they say. They have their own agenda and it is NOT to help the homeowner.
Company Response:
State: VA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-29
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: We submitted an official request for PMI cancellation on XX/XX/2016. However, the PMI request is still " pending '' with NATIONSTAR Mortgage, who recently requested an additional extension, this time 30 days, in a recently 'closed ' case with CFPB. We 've satisfied all requirements from the Homeowners Protection Act over 10 months ago.
Company Response:
State: OR
Zip: 970XX
Submitted Via: Web
Date Sent: 2017-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-28
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: My mortgage was sold and servicing transferred and they are not honoring on the terms of the loan. They instituted foreclosure proceedings, then told me they would stop the foreclosure and modify my loan if I made three 'trial period ' payments, which I did ; However they did n't cancel the Trustee 's Sale, they merely postponed it until XXXX, and sent me a loan 'modification ' which is not a modification at all- it is a completely different loan. They said I should call my Dedicated Loan Specialist if I have questions, but I have called and emailed her every day for 8 days now and she will not return my call. If I do not accept this new loan by XXXX my home will be sold at Trustee 's Sale on XXXX.
Company Response:
State: AZ
Zip: 85257
Submitted Via: Web
Date Sent: 2017-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2017-03-28
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I have an open complaint against Nationstar Mortgage. My CN is XXXX. I would like to file an additional complaint against Nationstar for violating my privacy rights, subjecting me to potential identity theft, harassment and fraud. Per Nationstar I am in default on my mortgage. I have disputed this situation with them, and they are reviewing my concerns and have directed me to contact one of their " dedicated loan '' specialist for assistance and or if I have questions. I have contacted this person, a XXXX XXXX on several occasions, faxed him information, called him and requested return calls, and sent a payment to him via XXXX Mail with a statement disputing their, all to no avail. Each time I call he never answers my calls, and never calls back requested. However, they Nationstar sent someone to my home, Saturday, XXXX XXXX to talk to me and leave a note on my door and tell me they wanted me to call Nationstar? I called them Monday, XXXX XXXX and told them I would send them I would send them my " arrears '' Wednesday, and they said they would note my account to that effect. Later the same day, I received a letter from a person in New Mexico with the check I sent Nationstar ealier this month informing me that he did n't understand why Nationstar had sent him my mortgage check? In addition to his letter I also recieved a mortgage statement from Nationstar that listed my arrears, plus it also reflected that my payment for the month of XXXX was outstanding, so I was being charged a late fee.
Company Response:
State: CA
Zip: 92111
Submitted Via: Web
Date Sent: 2017-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-27
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I have a mortgage with Nationstar they increased my escrow by almost {$1500.00} when neither my taxes or insurance went up..they bounced my escrow school tax payment that they said they paid in XX/XX/XXXX but was n't actually paid until XX/XX/XXXX..I asked in XX/XX/XXXX and sent them a note stating I wanted to pay my own taxes and insurance since I was with them over one year ..and original loan before it was sold too them that I had put 20 % down and all payments were on time ... I started sending in XX/XX/XXXX just the principal & interest..which they accepted..Then I sent in my XX/XX/XXXX payment for the same amount they said they never received it..I called on the XX/XX/XXXX for them to take the payment over the phone on XX/XX/2017 and they said wait a few days too see if the check comes in..I said I do n't want a late payment on my account I have excellent credit..The said they would n't charge a late payment ... I spoke to the escrow dept and they said no problem it will take about 7-10 days to approve my request..once I did that the online payment and the statement payment does n't match up ... They sent a letter stating my account was 30 days past due ... it has never been late ..now they put it in as a negative remark on my credit score ..I had a credit score of XXXX and now it 's XXXX down XXXX points ... I paid them {$920.00} online up from {$820.00} and they are stating my payment is over due ... the want {$970.00} ..they are making me mentally & physically ill..I do n't know what to do anymore ..I 'm on XXXX and a fixed income ... Please help..Thank you
Company Response:
State: PA
Zip: 17055
Submitted Via: Web
Date Sent: 2017-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-27
Issue: Credit decision / Underwriting
Subissue:
Consumer Complaint: I RECENTLY IN XX/XX/XXXX STARTED THE PROCESS OF PURCHASING A HOME. I WAS APPROVED AND EVERYTHING WAS MOVING ALONG. I HAD MONEY IN ESCROW AND DUE TO A BANKRUPTCY CHAP XXXX FILED IN XX/XX/XXXX AND PAID FOR ALMOST 5 YEARS. IN XX/XX/XXXX ROLLED THE CHAP XXXX INTO A CHAP XXXX AND HAD TO FORFEIT MY HOME. THE CASE WAS DISCHARGED IN XX/XX/XXXX. I WALKED AWAY FROM MY HOME AND BANKRUPTCY WAS DISCHARGED AND OVER ... FORWARD TO XX/XX/XXXX I HAVE AN FHA LOAN DUE TO TH B.K ON MY CREDIT AND IT HASNT BEEN 4 YEARS SINCE DISCHARGE. ALL WAS GOOD EARLY WITHDRAWL OF XXXX FUND FOR DN PYMNT. PENALIZED AND TAXED XXXX DOLLARS FOR DOING SO. 5 DAYS BEFORE CLOSING IM TOLD THAT A FORCLOSURE FROM NATIONSTAR FROM MY PRIOR HOUSE WAS NOT ON MY CREDIT BUT ON A DEEP RECORDS SEARCH AND I WOULD NOT BE ABLE TO CONTINUE MY CLOSING OF HOUSE WITH 5 DAYS LEFT. FIRST OF ALL NATIONSTAR FROM MY PRIOR HOUSE WAS FILED CHAP XXXX ON AND DISCHARGED IN XX/XX/XXXX AND THEN IN XX/XX/XXXX THEY PUT IN A DEEP RECORDS SEARCH THAT THEY FORCLOSED ON ME. HOW CAN THEY FORCLOSE AND DESTROY MY CREDIBILITY WHEN THEY WERE BANKRUPT ON AND DISCHARGED?? NATION STAR WRONGLEY PLACED A FORCLOSURE ON ME WHEN IT WAS WELL OVER A YEAR THAT I WAS DISCHARGED FROM BANKRUPTCY. THEY COST ME XXXX IN TAXES AND PENALTIES FOR AN EARLY XXXX WITHDRAWL ,XXXX DOLLARS IN APPRAISELS FOR THE HOUSE I WAS PURCHASING AND I CAN NOT DONATE TO MY XXXX FOR 6 MOS OR PUT THE MONEY BACK IN THE ACCOUNT. NATION STAR DID ME WRONG IN A VERY BAD WAY. THEY HAVE A HORRIBLE TRACK RECORD AND COMPLAINTS THAT DONT STOP. WHAT I AM REQUESTING IS THAT THIS FORCLOSURE THEY PLACED NOT ON MY CREDIT BUT ON MY RECORDS BE REMOVED IMMEDIATLEY SO I CAN PURCHASE MY HOUSE FOR MY FAMILY. EVERY REALATOR INVOLVED AS WELL AS MORTGAGE COMAPNIES AGREED I WAS DONE WRONG AND IT SHOULD NOT HAVE HAPPENED. THEY SAID THAT NATIONSTAR LET THE PROPERTY SIT FOR OVER A YEAR WITH MY NAME STILL ON TITLE UNTIL THE MARKET INCREASED AND SOLD THE PROPERTY FOR A NICE PROFIT AND DAMGED MY CHARACTER IN THE PROCESS. I HAVE BEEN DEALING WITH A BANKRUPTCY ON MY CREDIT SINCE XX/XX/XXXX BUT IN NO WAY WAS EVER SERVED OR ANYTHING ABOUT A FORCLOSURE DUE TO I BANKRUPTED ON THEM CAN YOU PLEASE HELP ME TO RID OF THIS WRONGLEY PLACED FORCLOSURE ON MY DEEP RECORDS SO I CAN CONTINUE MY SEARCH FOR A HOME?? THANK YOU XXXX
Company Response:
State: CA
Zip: 934XX
Submitted Via: Web
Date Sent: 2017-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-24
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: We 're requesting your assistance in resolving a matter of a mortgage account surrendered under Chapter XXXX Bankruptcy in XX/XX/XXXX and currently reported incorrectly as open to the credit bureaus by XXXX as an active account, paid late. At the time of the bankruptcy filing ( XX/XX/XXXX ) the account was under XXXX who was appropriately notified of the bankruptcy numerous times. In XX/XX/XXXX XXXX apparently transferred the account to XXXX and it remains unclear why Nationstar is not aware of the bankruptcy filing. We have attached the following documents in reference to this complaint : Nationstar Account Statement Bankruptcy Discharge Doc ( XX/XX/XXXX ) Bankruptcy XXXX ( Creditor # XXXX ) Letter from lawyer sent to XXXX ( XX/XX/XXXX ) advising that XXXX was surrendered in the bankruptcy XXXX credit report pages ( XXXX , Nationstar Mortgage ) We have tried calling Nationstar but have not been successful in reaching someone able to assist. As this is an urgent matter affecting our credit score, time is of the essence.
Company Response:
State: NY
Zip: 106XX
Submitted Via: Web
Date Sent: 2017-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-25
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I have a formal complaint against Nationstar Mortgage. My loan is under the Making Home Affordable Modification Program. On XX/XX/XXXX, I received my monthly statement ( Exhibit A ) with an important message : " Congratulations! You have earned {$9800.00} in Pay for Performance incentives. Per the Making Home Affordable Modification Program guidelines, this amount has been applied to your mortgage loan as principal payment. '' That message is attached to my monthly mortgage statement every month until XX/XX/XXXX ( Exhibit B ) after which they transferred my loan to another lender. I have contacted Nationstar Mortgage multiple times and spoke with an agent and they all promise me that they will apply the incentive but was never done. They promise me that they will follow-up, but no return call. I called them again, but they intentionally hang up on me after being transferred to another line. After that, I received a letter that my loan had been transferred to another servicer XXXX ( Exhibit C ) and to a new lending company XXXX XXXX-1 ( Exhibit D ). Attached is the Detailed Transaction History ( Exhibit E ) from Nationstar Mortgage LLC, which shows nothing was applied as principal payment for the year XX/XX/XXXX. I also attached XX/XX/XXXX Form XXXX ( Exhibit F ) which reflected the principal payment applied to my loan due to my monthly mortgage payments only. My biggest concern is that the amount I am entitled to with regards to what I earned as Pay for Performance incentive was not applied to my loan as principal payment. I also demand that if they transferred me to another lender that the same amount be applied as reduction to my loan principal.
Company Response:
State: CA
Zip: 92571
Submitted Via: Web
Date Sent: 2017-03-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-24
Issue: Settlement process and costs
Subissue:
Consumer Complaint: My husband passed away the first part of XXXX 2016 and I 've been trying to assume Mortgage but NationStar Mortgage is being very difficult to do this. My name is on deed but not Mortgage..We leave in a " Joint Tenancy state with the right of survivalship '' but lender does n't seem to care. I have provided lender with all they have ask for and still I 'm waiting. Ii contacted them back in XXXX of 2016 and also sent them the certified death certificate but nothing seems to get them moving. They say they will call me back, they do n't. They say they r sending paperwork for me to sign, they do n't, I 'm at a loss as what to do next.. I 've want to refinance the loan once it 's in my name, and now rates have gone up! Please help
Company Response:
State: AZ
Zip: 85283
Submitted Via: Web
Date Sent: 2017-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-23
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I have a mortgage with Nationstar Mortgage. In the middle of XXXX, I received a bill stating that my payment would go up beginning on XXXX XXXX, 2017 by {$220.00}. On XXXX XXXX, I sent in my regular payment of about a {$1000.00}, but they refuse to deposit it on my account. They are stating that they can not deposit it because the check has been suspended until I send them the updated amount. I am on a fixed income and I live with my sister who is on social security XXXX. We can not afford to pay this type of an increase without having prior notice to prepare. They are now stating that my mortgage is going to be reported on my credit as late, when I paid them what I always pay on the first. I do not understand how this is ethical. According to information on the Federal Trade Commission website, it states that the servicer must give me a statement that clearly itemizes the estimated taxes, insurance premiums and other anticipated amounts to be paid over the next 12 months, and the expected dates and totals of those payments, which has not happened. They are now also making me work through their bankruptcy department, which I am fearful will add additional expenses to my account. Being retired on a fixed income and living with a sibling who is XXXX, it is very hard to make ends meet, much less taking on a new expense without sufficient warning.
Company Response:
State: TX
Zip: 77018
Submitted Via: Web
Date Sent: 2017-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No