Date Received: 2017-03-15
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: In XXXX, I received an escrow analysis from my mortgage company, nationstar, which showed that my escrow had a shortage of nearly {$2000.00}, which means an additional {$250.00} will be added to my payments this year. It appears they have now attached hazard insurance to my mortgage, without my knowledge, something I 've never carried in the past. I have a separate homeowner 's policy with XXXX. They tell me I have to have this, without evidence or reason. I 've asked them to remove it, but they will not respond.
Company Response:
State: WI
Zip: 54311
Submitted Via: Web
Date Sent: 2017-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-15
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I just received a scheduled foreclosure date from XXXX that my house is scheduled for foreclosure on XXXX, 2017. I called my dedicated Loan Specialist XXXX on XXXX, 2017 to check on the status of my HAMP Loan Modification and left message for her. When she returned my call she did not give me any answer to my call. She only left me phone numbers. I old her in the pass that I can only talk to her about my loan modification and nobody else. Since then I have not heard from her but to get this foreclosure notice. Attached is the foreclosure letter. The letter claimed advertisement is enclosed but there is no advertisement enclosed. I checked XXXX paper from XXXX to the time of this complaint the house was not advertised for sale. Nationstar Mortgage is not making any effort to modify the loan to a more affordable mortgage payment since XXXX till now. They have been looking for any rabbit hole to foreclose as their intention from the onset was not modify but to foreclose. I did everything they asked me but always come up with lies upon lies which I have disputed many times in the past.
Company Response:
State: VA
Zip: 20176
Submitted Via: Web
Date Sent: 2017-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2017-03-15
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I 'm writing this letter in regards to a formal complaint I wish to file against Nationstar Mortgage LLC. First, I would like to shed some background on the many problems I 've encountered due to this company 's incompetence. Our mortgage was sold by XXXX to Nationstar Mortgage on XX/XX/2016. This said mortgage is on our income property located at XXXX and XXXX. XXXX, NY. XXXX. Our first issue was the address listed on the new mortgage was wrong. A phone call corrected that, however this was the start of one headache after another.. Next I send my first mortgage payment by mail, along with the information ( a blank check ) to set up automatic withdrawl on the tenth of each month. Late notices aprox. 45 days later started coming. I called they said they did n't have the right information for direct withdrawl. We sent that information 2 more times, for a total of 3 times now. I am receiving late a fewb notices in the mail, which promted me to call numerous times to hear that they just crossed in the mail. That sounds legit, I guess. Next my tenants call me to tell me I have mail. It was a final notice that they were about to start forclosure proceedings. So I make another phone call to find that they never took the last two payments out of my account ... .So I made a double payment over the phone and finally the payment withdrawls are set up ... I should say I hope these payments are now set up ... Recently, I received a phone call from my Homeowner 's insurance agents office, stating that my homeowner 's insurance policy is about to be cancelled due to none payment.. I immediately made a monthly payment to insure my policy did n't expire.. I have an escrow account with the mortgage company and they were suppose to pay it ... My agent made a 3 way call including my self, the mortgage company and the insurance agent to figure out what went wrong ... The mortgage company then sent out a check to the insurance company for the wrong amount. More time on the phone the mortgage company sent a second check this time with the right amount. The insurance agent refunded me the wrong amount which I had to return to the mortgage company to be put back in escrow. Now I get a monthly statement from Nationstar Mortgage, with a {$75.00} Maintenance fee. Once again call the mortgage company to find out what this charge is. I spoke to a customer service rep she did not know what that fee was, I spoke to her supervisor, he could not tell me what that fee was but I should pay it. HERE ARE THE QUESTIONS I WOULD LIKE TO FIND ANSWERS TOO. 1. ) I want to know if Nationstar has reported me to the credit bureua as a result of their neglegence? 2. ) What is the maintenance fee of {$75.00} on my monthly bill?
Company Response:
State: NY
Zip: 121XX
Submitted Via: Web
Date Sent: 2017-03-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-15
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I initiated my first request for PMI cancellation in XXXX XXXX to XXXX. XXXX discovered they were only serving XXXX out of our XXXX and delayed the request until they could add the remaining XXXX. In XXXX XXXX, I submitted a formal request for PMI removal with the appraisal fee. In XXXX XXXX an appraiser showed up and appraised XXXX out of our XXXX. Since the value of our property is in our acreage, we felt this was not the " fair '' appraisal we were entitled to in the Homeowners Protection Act and XXXX agreed. They told me they fired the previous appraiser and put a request in to have the property appraised- we live XXXX from the biggest city in our state but after 5 months of claiming to be looking for an appraiser, they were unable to find one. ( We were however, contacted by an appraising agency, on behalf of the request XXXX submitted, from an appraiser in Minnesota, over XXXX away ... XXXX XXXX agreed to have the PMI removal back-dated to XXXX XXXX. We were transferred to another mortgage company in XXXX XXXX with 0 progress made on the PMI removal. During this time, I initiated a call every 2 weeks with XXXX, often spending hours on the phone, recording my phone calls. Up until XXXX XXXX, the PMI request was 'pending. ' When our mortgage was transferred to Nationstar Mortgage, I was assured by both companies that the PMI request was still pending and Nationstar would do everything they could to ensure a timely appraisal for our request for PMI removal. We were very relieved when an " appraiser '' came to our house in XXXX XXXX and guaranteed he was appraising our full property on be-half of our mortgage company. However, 2 months past with no word from our mortgage company and after numerous attempts to reach Nationstar 's PMI department and spending many hours on hold, I was told by a PMI agent on XXXX XXXX XXXX that my request for PMI removal was cancelled because XXXX Mortgage made a " corporate refund '' of my appraisal fee. ( My guess is the appraisal came in too high and they did n't want to cancel PMI? ) I NEVER AGREED TO CANCEL MY REQUEST FOR PMI REMOVAL, let alone received a refund of any kind. Additionally, Nationstar attempted to charge me additional money for what they called an increase in appraisal costs ... I was told an agent would call me by XXXX XXXX. However, no call back and it 's currently XXXX XXXX, another unsuccessful day after being on hold with Nationstar for almost 1 hour. Further, during communication with XXXX, I was told by multiple XXXX agents that my property was n't worth anything based on the property taxes we pay. None of the agents who told me this understood what a farm deferral was or how it worked, as our property taxes are over 5 times lower with our farm deferral. We feel we were discriminated against based on customer service agents unprofessional appraisal of our property and our request for PMI removal was illegally dismissed. Our property has been professional appraised three times since our purchase, including by our county, and the appraisal average is twice the minimum needed to remove the PMI. The property is worth twice our loan and this is NOT a situation in which mortgage insurance is needed. This is a classic example of how PMI is being abused by lenders in our country and how lenders are abusing The Homeowners Protection Act.
Company Response:
State: OR
Zip: 970XX
Submitted Via: Web
Date Sent: 2017-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2017-03-15
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: applied for a modification twice and twice denied. The first denial according to their loan specialist was because the house did n't appraise for their drive-by perceived value. Appealed their decision, the second time it was because the income was not correct and I believe the house value. An independent appraisal stated that the value was $ XXXX more than their stated value. They are now saying that the NVP is negative, but in speaking with professionals in the real estate area, none have heard of any lender or servicer using this as a tool for a modification. This supposedly is used for income property to determine cash flow. This is a single family home.They are also using something called a mock NVP which no one has heard of. I have asked them to explain, but nothing as of this date. They have also used old income stats for this evaluation even though I have told them the income has changed from XXXX to XXXX. I am not sure what type of game this servicer is playing but it is not ethical. Nationstar is the servicer. And while they did provide a dedicated loan specialist, she was many times uninformed and did n't get back with us in a timely manner with answers. And they repeatedly stated they did n't receive information that was either faxed or submitted thru XXXX. Thus I figured using a third party would be a verification of information sent. Please let me know what I can do at this point or where I should go for further assistance..
Company Response:
State: CA
Zip: 94619
Submitted Via: Web
Date Sent: 2017-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-14
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Nationstar has mishandled our escrow account for the last year. a year ago We opened a new insurance policy to save {$1000.00} a year replacing the XXXX separate policy ( home owners & windstorm ) after we cancelled the old policy 's the mortgage holder continued to pay the canceled policy & double pay the new policy & noticed us we had a short fall in our escrow account & wanted to raise our monthly payment an additional {$400.00} We have called constantly to resolve I have requested a 2 year accounting review of our escrow but no response. Today I received a check from my new insurance company they were double paid again.I dont know how much of our money has been given away. We have been told repeatedly this will be resolved only to see the problem get worse we are put on hold for hours and passed around constantly They will not take our number or ever call us back or write us with proof of a resolution. Last month I made a payment in the amount I think we should owe. We have not received a notice of this months payment due on the first. We are constantly ignored & lied to. CAN I SUE THEM?
Company Response:
State: FL
Zip: 321XX
Submitted Via: Web
Date Sent: 2017-03-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-14
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: Nationstar sent a property inspector by my home. This has happen several times but on XX/XX/2017 I was home. The gentleman drove up in the driveway after taking pictures of the house. I told him I was the owner and he stated he was doing a property inspection. I invited him in and he refused. As he backed out of the drive way he made several XXXX remarks toward me. He drove around the corner and came back trying to agitate me. I contacted the police department and my attorney. A report was taken for the harassment.
Company Response:
State: TN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-03-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-13
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: NATIONSTAR MORTGAGE : I got behind in my pymts ( XXXX ) and got a foreclosure notice. Repeated attempts to contact my assigned 'loan specialist ' were ignored. I have never heard her voice. I did talk to someone at their 'call center ' and was mailed a package to apply for modification which THEY SUGGESTED and I did. I waited a week and had to call THEM back to see if they even received it. Once again I got their call center because my 'specialist ' does not return calls. I was told a decision would be made XX/XX/XXXX. I did not hear from them XX/XX/XXXX so I called on XX/XX/XXXX and learned I was DENIED this modification on XX/XX/XXXX but was not told! They set a foreclosure 'date ' for 30 days after the DENIAL which was XX/XX/XXXX ( still have not received a notice yet and it is XX/XX/XXXX ). So I have little over 2 weeks to find assistance with ZERO help from this company. Worst servicer EVER!!! I wo n't even get into the magical 'fees ' that appear on a regular basis. Not sure what good a complaint can do. There is no 'choice ' involved.
Company Response:
State: MI
Zip: 483XX
Submitted Via: Web
Date Sent: 2017-03-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-13
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: NationStar is calling my work, they called XX/XX/2017 at XXXX. Now 1st of all they have my number XXXX, if Im working I cant answer it. Sad part is I have until XX/XX/XXXX to pay my payment and its sent out, but they call non-stop sometimes 5 times a day
Company Response:
State: PA
Zip: 158XX
Submitted Via: Web
Date Sent: 2017-03-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-13
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: XXXX sold my loan to NationStar. At the time neither bank wanted to accept my monthly payment. Each was saying it went to the other.
Company Response:
State: FL
Zip: 33764
Submitted Via: Web
Date Sent: 2017-03-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No