Date Received: 2017-03-22
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I have requested that I be provided documentation regarding the transfers of the note and the title, along with the mortgage servicer agreements to my home..So far I have received only copies of a loan modification agreement signed by " robo signers " - ( Violation of Arizona 's false documents statute ( robosigning ) : Dismissal reversed and remanded. Plaintiffs alleged that MERS " robosigned '' documents in violation of Arizona 's false documents statute ( Ariz. Rev. Stat. Sec. 3-420 ). Plaintiffs claimed that documents such as notices of trustee sales and assignments of deed of trust had been notarized in blank and robosigned with forged signatures. The XXXX XXXX reversed the XXXX Court 's dismissal based on a change in law, noting that in a recent decision, the Arizona Court XXXX XXXX determined that a damages claim is available under Arizona 's false documents statute where a borrower alleges that a notice of substitution of trustee and assignment of deed of trust are false. See XXXX XXXX XXXX Bank XXXX XXXX, XXXX XXXX XXXX, XXXX ( Ariz. Ct. XXXX. 2013 ). The XXXX decision also provided that borrowers in default did have standing to bring allegations under Sec. 33-420. Because the allegations at issue in XXXX closely resembled the borrowers ' allegations here, the XXXX XXXX reversed the XXXX Court 's dismissal. ). XXXX and Nationstar seem to be operating without having the documentation that Verifies that my mortgage is Legal or that they have the Legal right to service this mortgage
Company Response:
State: AZ
Zip: 85249
Submitted Via: Web
Date Sent: 2017-03-22
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: Hi, My name is XXXX and I currently reside at XXXX XXXX, FL XXXX. I recently purchased my home and my original lender was XXXX and loan number with that creditor was XXXX. A little over six months into the loan, the lender has sold my account to another creditor which is Nationstar Mortgage. My new account with Nationstar mortgage is XXXX. My previouse lender XXXX did a cost analysis on my account of XX/XX/2017 which I did not receive any notification for. Based on their cost analysis my previous mortgage payment of {$1000.00} went up to {$1300.00} due to my homeowners insurance going up frm {$1500.00} to about {$3000.00}. I reached out to my insurance company that advised me that my homewoner 's insurance remains at {$1500.00} for the year. I then reached out to my old lender who is XXXX that could not explain where they got the higher amount from. I had my insurance company faxed over a copy of insurance policy to XXXX insurance, who advised that they woud review my account and make the adjustments. Since then my account has been sold to Nationstar Mortgage, who advised me that they are not be able to assist since they are not able to touch the account, even though they are servicing my loan as of XX/XX/2017. The new creditor which is Nationstar Mortgage is stating that I need to pay the higher amount. I need my mortgage payment adjusted and a new analysis done with my correct homeowner 's insurance information. I also need to have XXXX investigated since they where not able to explain why they increase my payment amount and also where did they get the information for my insurance increase.Most importantly I need to have Nationstar Mortgage review my account for my XX/XX/2017 payment.
Company Response:
State: FL
Zip: 33321
Submitted Via: Web
Date Sent: 2017-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-22
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Needed to update occupancy of reverse mortgage with Champion Mortgage Co. misplaced request but sent it in when we found it. Also talked with their representatives twice on the phone to verify occupancy. The company charged us {$20.00} because they say they sent a representative out to verify occupancy but they will not send us a copy of the report and no one ever talked with us indicating they were sent out to verify occupancy.
Company Response:
State: FL
Zip: 32162
Submitted Via: Web
Date Sent: 2017-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-21
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Our home was completely destroyed by a XXXX. We had a reverse mortgage with Champion Mortgage. The lender cashed our insurance settlement check of {$210000.00} and we were given a loan payoff in XX/XX/XXXX of {$110000.00}. In XX/XX/XXXX, we did not receive our balance from the insurance check. Instead the lender gave us another payoff balance that was an additional $ XXXX by adding mortgage interest and mortgage insurance ( for a home they cashed a $ XXXX check ). We have been homeless since XX/XX/XXXX and can not buy another home because this lender is : 1 ) continuing to charge us interest and insurance each month even though the lender cashed a check to payoff the mortgage 2 ) lender will not process our loan payoff 3 ) lender has stolen our balance due from insurance.
Company Response:
State: MS
Zip: 39305
Submitted Via: Web
Date Sent: 2017-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-21
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Nationstar has been out of compliance and committing unlawful acts on my mortgage loan. Nationstar is not the original company and is flawed in reporting accurately and they are over charging me. I have asked for copies of my original loan and they are not able to produce my documents nor signature documents. I am XXXX years old and on a fix income and this is a violation of my consumer rights. I have documents and proof of the flawed acts of Nationstar. I notice there is a lawsuit against this company. Can you please consider my complaint and assist me in relieving me from this predatory debt and unlawful act.
Company Response:
State: GA
Zip: 31520
Submitted Via: Web
Date Sent: 2017-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-22
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Me and my beau had a terrible experience with Nationstar in the approximate timeframe of XXXX until we were forced to sell our home sooner than we wanted to as they kept " losing '' our paperwork to submit for a refi on our loan with them ... We were so busy working and not in a position to hire a lawyer back then however I do wish we had contacted our State and US Attorney Generals to investigate the aggressive and unusual tactics/experience we had with Nationstar back in XXXX. This was after the mortgage crisis and it appears that this company was looking to keep " customers '' at a higher mortgage interest rate and making it nearly impossible to refi at a lower and more fair mortgage payment rate. Unfortunately we did have to sell our home sooner than we had wanted and with the market changes that happened shortly after we sold out, a major increase of real estate, we could not hold out for that extra year or two to delay selling where we could make the market value/sale on our home as we were looking to do. Not to mention, it felt like we were dealing with a company, Nationstar, that was acting in what could have been termed criminal ways ( based on complaints and lawsuits that have come out in more recent years since we sold our home in XXXX, Or, at the start of XXXX. Me and my beau also noticed that mortgage companies were buying and selling loans aggressively -- to the point that it seemed obvious something was going on near and after XXXX. Nationstar seemed to be partaking in this kind of buying and selling of loans as well. Very concerning and questionable tactics of business and ways of " servicing '' customers. Now that we have read recent articles and more complaints about Nationstar in the past few years, it seems beyond clear that we were defrauded and disallowed to apply and receive a modified mortgage loan that we were eligible for back in XXXX.
Company Response:
State: OR
Zip: 97217
Submitted Via: Web
Date Sent: 2017-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2017-03-21
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I fell behind on my payments because I lost my job and did not have an income until XX/XX/XXXX. I attempted to modify my loan on several occasion with my lender and was never approved. I applied for a modification XX/XX/XXXX and continued to provide all of the documentation needed to complete my review.. On XX/XX/XXXX after having emailed my representative all of the documentation needed to compete the loss mitigation packet, I was advised that the lender would escalate my request to postpone the sale of the property scheduled for XX/XX/XXXX. On the following day, XX/XX/XXXX, I called the lender and again confirmed that the supervisor had requested a postponement of the foreclosure sale. On XX/XX/XXXX, and XX/XX/XXXX I called the lender and again was assured that the foreclosure sale would be postponed. Please note that, I had consulted an attorney and if the lender had told me that a postponement was not going to be approved, I would have filed for protection under the bankruptcy laws. On XX/XX/XXXX, I called the lender and they advised me that no postponement had been submitted, and that the property was sold at foreclosure sale. I have confirmed with the trustee that no request was ever submitted to him to postpone the sale by the lender even though they had over 7 days to process the sale. The trustee advised that he utilizes the XXXX system with the lender, and that a postponement would have taken no more than 10 minutes to submit to his office. I request that my loan be reopened and that I be allowed to modify my loan to enable me to keep my home. The lender lied to me in order to avoid that I filed for protection under the bankruptcy court.
Company Response:
State: CA
Zip: 92804
Submitted Via: Web
Date Sent: 2017-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-21
Issue: Settlement process and costs
Subissue:
Consumer Complaint: I sold a home in XX/XX/2016, and a refund for final escrow closing in the amount of XXXX should have been sent to me, a year later I received the check, and when I took the check to my bank, it bounced, I contacted Nationstar mortgage co to have them reissue a new check, and I still have not received my refund after two separate conversations with reps, assuring me, a new check will be mailed in two business days. I contacted Nationstar on XX/XX/XXXX, and again on the XX/XX/XXXX, both times I was assured a new check was sent to me, it is now the XX/XX/XXXX, and no refund as of this date.
Company Response:
State: CA
Zip: 95670
Submitted Via: Web
Date Sent: 2017-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-20
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: In XX/XX/2016, my monthly auto payment on NationStar 's website experienced a technical glitch and caused my monthly mortgage payment to not be credited. All other months had been paid up to this month, but due to the technical issue, my payment was " kicked out '' of the system. I was eventually notified and paid the mortgage payment immediately. On XX/XX/2016, I was notified that the payment was late for XX/XX/2016. I had made a regular payment and then proceeded to set up automatic payments from that point forward. Once we submitted the request we were under the assumption the set up was complete and the payments would be timely made. It was not until we were notified in XX/XX/XXXX that payments had not been made timely. We promptly made those payments online. We then proceeded to set up recurring bill payments through the local bank since the original set up had not occurred As with most folks these days we relied on technology and in this specific situation it failed. Certainly, the payments were not intentionally late as I was confident that automatic payments had been established. Both " late '' payments resulted in a reporting to my credit agencies and severely damaging my credit rating. I am requesting that your company update the late payment in XX/XX/2016 credit reporting due to this being a technological glitch and not a consumer oversight or avoidance.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-03-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-20
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I am filing a complaint on Nationstar for their deceptive, unfair and abusive loss mitigation practices. I am requesting Nationstar do the right thing and give me the mod they have promised. Please see the attachments with Compliant, Modification Approval Letter, Signed and notarized Mod Package and Denial Letter.
Company Response:
State: WA
Zip: 98626
Submitted Via: Web
Date Sent: 2017-03-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes