Date Received: 2017-02-10
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I had XXXX XXXX events that caused financial XXXX and the cause for me to fall behind on my mortgage payments. I had to take care of a sick relative who moved in with me because of their illness. Her health XXXX and she died. The financial burden of her healthcare and burial put me in a difficult financial position. Shortly after her death, I faced health issues of my own where I had to be XXXX. This further complicated my financial situation. I asked for a loan modification and while I was in XXXX, I missed the acceptance time. I re-applied but my modification was denied. Fortunately, my health has recovered and I am now able to maintain a mortgage payment if allowed.
Company Response:
State: MD
Zip: 21208
Submitted Via: Web
Date Sent: 2017-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-02-08
Issue: Application, originator, mortgage broker
Subissue:
Consumer Complaint: SINCE NATIONSTAR AND XXXX MORTGAGE NEED A REFRESHER COURSE ON LAWS AND COMPLIANCE ... HERE IS IS. NATIONSTAR CONFIRMED THAT LOAN FRAUD AND EMBEZZLEMENT OF ESCROW ARE ILLEGAL AND IF PROVEN, THE LOAN WOULD BE FORGIVEN XXXX MORTGAGE AND NATIONSTAR HAVE BOTH CONFIRMED FRAUD AND EMBEZZLEMENT IN ADDITION TO NUMEROUS OTHER ISSUES BEYOND THAT, BUT THOSE OTHER ISSUES ARE NOT NEEDED BECAUSE FRAUD IS ALREADY PROVEN AND ADMITTED. XXXX XXXX PROMISED TO CANCEL THE LOAN IN 2016 ONCE WE CONFIRMED WHAT I ALREADY KNEW FROM MY RESEARCH AND FILES ... FREEDOM MORTGAGE WAS GUILTY OF NUMEROUS CRIMINAL ACTS AND NUMEROUS ATTEMPTS TO STEAL A HOME ILLEGALLY USING FRAUD AND DECEPTION. XXXX MORTGAGE MAY NO LONGER HAVE AN INTEREST IN THE LOAN, BUT THAT DOES NOT CHANGE THE LAWS OR THE COMPLIANCE REGULATIONS. XXXX MORTGAGE ADMITTED THEY SOLD A FRAUDULENT LOAN., NATIONSTAR ADMITTED THEY PURCHASED IT. IN A PORTFOLIO PURCHASE OR A COMPANY PIRCHASE, THE BUYER IS RESPONSIBLE FOR ALL ASSETS AND LIABILITIES. I WILL ALSO STATE THAT IF XXXX MORTGAGE HAS NO INTEREST AT THIS POINT, THEIR OPINIONS ON " HOW THINGS HAPPENED '' IS ALSO TOTALLY INADMISSABLE AS EVIDENCE AND NATIONSTAR IS FULLY AWARE OF THIS FACT BUT HAS IGNORED IT BECAUSE THEIR ENTIRE SYSTEM IS A FRAUD. ILLEGAL FEES, ILLEGAL INSPECTIONS, ILLEGAL FORECLOSURES, FALSE STATEMENTS, LYING ON THE PHONE, FAILING TO MAIL STATEMENTS, MISLEADING CONSUMER VERBALLY WHILE TAKING PAYMENTS AND MORE ARE STANDARD PROCEDURE. THE CUSTOMER SERVICE STAFF AT NATIONSTAR SEEMS TO BE OPERATING AT AN 8TH GRADE EDUCATION LEVEL. THEY ARE TAUGHT HOW TO COMMIT CRIME AND THEY HAVE NO CLUE ON COMPLIANCE, LAWS OR ETHICS. BACK TO THE CASE AT HAND. XXXX CONFIRMED CRIME AND THEY HAVE NO INTEREST OR OPINION TO GIVE. THE PAPER TRAIL SAYS CRIMINAL FRAUD. THIS HAS BEEN PROVEN AND CONFIRMED. XXXX MORTGAGE AND NATIONSTAR CONTINUE TO LIE TO THE US GOVERNMENT AS PART OF AN ORGANIZED PONZI SCHEME AND RACKETEERING SCAM. XXXX MORTGAGE AND FORTRESS INVESTMENTS WILL NOW BE REPORTED TO THE SEC FOR ENGAGING IN CRIMINAL FRAUD AND ATTEMPTING TO HIDE IT USING DECEPTION ... AFTER XXXX XXXX GAVE YET ANOTHER FALSE, DECEPTIVE AND ILLEGAL RESPONSE TO THE CFPB TODAY REGARDING THE CRIMES SHE ALREADY ADMITTED THE PROFITS THESE COMPANIES ARE POSTING ARE NOT ACCURATE ... THEY ARE HIDING LOSSES USING CRIME. THEY ARE HIDING CRIME BY MOVING OLD MONEY ALONG WHILE TAKING NEW MONEY IN AND GENERATING PROFITS WITH ILLEGAL FEES, ILLEGAL PRACTICES ANDFALSE ACCOUNTING WHILE INTENTIONALLY DEFRAUDING THE U.S. GOVERNMENT IN A NEW TYPE OF PONZI SCHEME FED BY A DEFRAUDED INSURANCE INDUSTRY XXXX MortgageXXXX XXXX alreadyADMITTED every crime and confirmed they all occurred ... .. IN WRITING. They tried to sugar coat it with " the crimes were all accidents '' which was insulting to all of us involved, and NationstarXXXX have ran with this ignorant excuse to protect their purchase of a fraudulent loan. The crime is systematic. The entire system connecting these scumbags togetheris criminal. XXXX XXXX is a deceptive, dishonest and disgusting person, but that 's not the issue here. The issue is that this dishonest, deceptive, disgusting person is profiting from a life of crime and lies. She is hiding crime and taking profits where losses should occur, which I will be reporting to the SEC. INVESTOR FRAUD IS ILLEGAL ... She is running a Ponzi scheme. Write bad loans and sell them to hide the crime. It 's a very common scam in this industry void of souls, compassion and honesty. LOAN ORIGINATION FRAUD WAS CONFRIMED EMBEZZLEMENT WAS CONFIRMED FRAUD WAS CONFRIMED MAILING FALSE SATEMENTS USING US MAIL IS CONFIRMED ALL OF THIS WAS CONFIRMED BY XXXX XXXX WE WILL CONTINUE AND EXPAND THE PROSECUTION.
Company Response:
State: FL
Zip: 34293
Submitted Via: Web
Date Sent: 2017-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2017-02-08
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I have not been able to clear my credit report dispute with NationStar Mortgage. My loan was paid in full XX/XX/XXXX. They have not updated XXXX since XX/XX/XXXX. I waited till XX/XX/XXXX to first call and was told this will be completed within XXXX business days. I called back XXXX other times and they are indifferent. This negatively impacts my ability to buy a new car and my prospective employer will check my credit before they give me a company credit card for travel expenses.
Company Response:
State: AL
Zip: 350XX
Submitted Via: Web
Date Sent: 2017-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-02-08
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: In XXXX 2016, XXXX sold my mortgage to Nationstar Mortgage. In addition to the normal mortgage, I had an obligation to pay {$390.00} for the cost of an interim property insurance policy, which debt was assigned to an escrow account. In XXXX 2016, I sent an additional {$500.00} payment to Nationstar to cover the {$390.00} escrow debt, with the expectation that the excess would be applied to my mortgage. However, Nationstar applied the {$500.00} incorrectly to my loan principle, leaving the {$390.00} escrow debt ( for the insurance policy ) unpaid. When the next regular payment cycle started, my " amount due '' showed as {$390.00} greater than it should be. I 've tried, on XXXX separate occasions, to work with Nationstar to get the problem corrected, and they always assure me they 've fixed the problem, but every month, the situation is exactly the same. They seem to be incapable of correcting this error, nor will they refund me the misapplied {$500.00}. If I call them again, they 'll just do the same thing they have the past three times, whatever that may be, and nothing will be fixed. I have never missed a full payment. The only deviation was when I sent an additional payment to close out the escrow debt, and now I can not get them to correct their mistake. I need some help with this. Thanks.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 94602
Submitted Via: Web
Date Sent: 2017-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-02-08
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I own XXXX. XXXX MI XXXX, which has been a rental property since XX/XX/XXXX since I was " upside down '' in my mortgage and could not sell due to the market. Due to an increase in property taxes, my mortgage payment to Nationstar increased by nearly $ XXXX in XX/XX/XXXX. I had been on leave to adopt a child ( unpaid ) and returned to work XX/XX/XXXX, and had just incurred {$15000.00} in adoption costs. My tenant would not pay the increase, and moved out abruptly owing rent and leaving extensive damage to the property. I contacted Nationstar immediately upon receiving the increase and told them my situation. I also subsequently informed them I would be listing the property for sale. We could not afford mortgage without a tenant and had to repair damage, but listed the property in XX/XX/XXXX. I requested a payoff quote on XX/XX/XXXX. In response to a letter from Nationstar re : mortgage relief, on XX/XX/XXXX I sent a complete package of materials to the address provided with a cover letter re : hardship that stated I was asking to negotiate a short sale. On XX/XX/XXXX, I received a letter asking for " updated '' /additional financial information, which I mailed on XX/XX/XXXX. I was subsequently offered loan modification, which I clarified and said I was only interested in selling the property and paying off the mortgage. XX/XX/XXXX, I received a letter stating that I was not eligible for loan modification. My husband spoke with XXXX from Nationstar also in late XX/XX/XXXX and she said that they had no application for a short sale and only a loan modification that was denied. I emailed her at the address she provided sending my XX/XX/XXXX letter and received no response to date. I called and spoke with XXXX on XX/XX/XXXX and she informed me for the first time that a short sale application has to be submitted by my agent through XXXX, and there was no record of my previous application. She said it could take XXXX days, but assured me that the foreclosure sale was not scheduled. I received a call from my realtor on XX/XX/XXXX that a showing had to be cancelled because our lockbox had been removed from the house. I called Nationstar and spoke to XXXX, who provided the new lockbox code, but was told the property was " abandoned '' and they had the right to do this. The heat was on at XXXX, lights left on, a for sale sign in the yard and I had been negotiating in good faith since XXXX! XXXX said the foreclosure was not on hold as we had been told, but no sale date had been set. I went to the home on XXXX/XXXX/XXXX and found my realtor 's lockbox had been pried open, and red antifreeze poured in sinks and stains and bright orange stickers on every appliance and sink, tub & toilet stating it had been " winterized '' by XXXX Properties on XX/XX/XXXX ( I have photos ). Water shut off with a box making it impossible to turn on. Blinds left lying on the floor in living room. I called XXXX who informed me it was up to Nationstar. In addition, there was a notice on the door of the house saying sheriff 's sale is scheduled for XXXX, even though they have my phone number, mailing address, and had specifically told me that no sale had been scheduled! I called Nationstar and spoke with XXXX who insists this is appropriate even though house is on the market and I am paying for all utilities and maintaining the property. I asked to speak to someone who could negotiate with me and was told there was no one, & to apply for a Deed in Lieu was a separate process that requires withdrawal of my short sale application. We had an offer and have submitted it through XXXX and Nationstar keeps coming back and saying they need more information from me, which I have now provided XXXX times. The latest was they required copies of my bank statements that had been mailed to me, instead of copies printed from my account online. Sale is this Friday!
Company Response:
State: MI
Zip: 48168
Submitted Via: Web
Date Sent: 2017-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2017-02-07
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: The lender was provided a loan modifcation package on XXXX/XXXX/XXXX - the lender has done nothing but make request after request for more docs to review the file - on XXXX XXXX we were advised that all docs were received except an updated Homeowners XXXX letter - The XXXX letter that was provided to them was dated XXXX/XXXX/XXXX from the XXXX - the lender still stated on XXXX/XXXX/XXXX that the XXXX statement provided was not current and they would not accept this statement because it did not show XXXX - As most lenders know the XXXX only provide statements quarterly - We feel was just a way for the lender to not have to review this client for a loan modification and kept delaying the review until they felt the need to close out the review on XXXX due to an XXXX statement not being provided for XXXX when the file was submitted at the beginning of XXXX XXXX - We fell this was a valid document for the review and request being made. We were also advised on XXXX/XXXX/XXXX that the file was denied because of net present value would n't be worth modifying not enough equity - this is an unacceptable review of this clients file and a violation of RESPA
Company Response:
State: NV
Zip: 894XX
Submitted Via: Web
Date Sent: 2017-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2017-02-07
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: Nationstar XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX We are writing in order to get some help on a file that we have already filed a CFPB complaint on in the past ( complaint # XXXX ). Getting Nationstar to work on this file without committing what can only be described as servicing fraud has been a real challenge. It is obvious that their ( Nationstar ) only goal has been to garner a 5 % buyers premium ( which they would keep for themselves ) at the expense of the investor that they service for. After finally getting Nationstar to counter the original buyer ( all attempts at running the property through their fake auction system failed XXXX a HAFA approval letter was issued, but was not issued per HAFA guidelines ( once again, Nationstar believes that they can make up guidelines that seem to suit them and increase their profits at the expense of their investor, the federal government, the borrower and the community ). We have been attempting to get the letter extended with the proper closing date with no luck. We are now at a point that our buyers lender will have to push out closing on the file for proper TRID disclosure ( something that Nationstar also does not believe applies to anyone especially themselves ). Nationstar is now threatening to cancel the short sale and attempting to reapprove the property at a higher value. We are fairly certain that this is in attempts to get the current buyer to cancel so that they can attempt to run the property through their fake auction system .... Once again, to obtain the 5 % buyers premium. Their ( Nationstar ) somewhat dubious activities have been well documented in the XXXX XXXX article that came out last summer and should be well known to the CFPB. These somewhat questionable tactics also bring into question what other XXXX violations have they completed on this file and if they are attempting to obtain money from the XXXX program from the US Treasury Department without actually complying with the program highlights.
Company Response:
State: CA
Zip: 92021
Submitted Via: Web
Date Sent: 2017-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-02-07
Issue: Credit decision / Underwriting
Subissue:
Consumer Complaint: I filed a previous complaint Case number : XXXX related to NationStar Mortgage posting hard copy unauthorized credit inquiries on XX/XX/XXXX that to date still have not been removed. I filed a Dispute to their letter dated XX/XX/XXXX that was very dishonest in the way it was written with a story line made for a XXXX sitcom. To date XX/XX/XXXX the unauthorized credit inquiries still remain on my wife 's and my credit report.
Company Response:
State: IL
Zip: 60462
Submitted Via: Web
Date Sent: 2017-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2017-02-08
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: I received a notice from attorneys from the Law Offices of XXXX and XXXX XXXX, advising I owe a debt that I do not owe for my private home to NationStar Mortgage.
Company Response:
State: NJ
Zip: 071XX
Submitted Via: Web
Date Sent: 2017-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-02-07
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: Servicer working on short sale is using fraudulent evaluations. When dispute is forwarded with clear and convincing support for lower values, they fail to cooperate. This property is facing foreclosure and they will wind up taking the property back at a foreclosure sale. They have not communicated with us and have failed to cooperate in an honest and sincere way.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 11787
Submitted Via: Web
Date Sent: 2017-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No