Date Received: 2017-01-24
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: sent in payment to nationstar mortgage of XXXX for XX/XX/XXXX and they said it was not recieved contacted XXXX money order XXXX money order number XXXX I informed nationstar of all this info and they do n't even what to bother to look into it, they wish for me to fax a copy of the money order so I will fax them a copy of check that was cashed on XX/XX/XXXX even though I gave them all this information, So I will pay my XX/XX/XXXX payment again so as not to ruin my credit, from what i got from them is they made a mistake m and I have to prove I sent a check to them because if not I will still owe!
Company Response:
State: CO
Zip: 80219
Submitted Via: Web
Date Sent: 2017-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-01-25
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I recently received a year end statement from Nationstar Mortgage. Since the company will not answer any question and outside of this year end statement, no information was given too me when requested, I am requesting to know when Nationstar acquire my servicing agreement. I am requesting to know is the legal owner of my mortgage. XXXX loan servicing could not prove not only who is the legal owner, but also provide proof of transfer of ownership and the secruritization trust to the purchase of my property. Thank you
Company Response:
State: NY
Zip: 11236
Submitted Via: Web
Date Sent: 2017-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-01-23
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: My grandmother passed away XX/XX/XXXX and XX/XX/XXXX we contacted the reverse mortgage company that we her family wanted to payoff loan. They requested information about estate and deed. After XXXX month and various paperwork, they accepted our documents. Then they asked us in writing to fax or mail request for payoff loan and appraisal documents. Given that payoff loans are valid only for the month requested, we only have 30 days including business days to complete transaction. Then we completed request and holidays came so we submitted for XX/XX/XXXX and we are at XX/XX/XXXX and we still have not received paperwork. They make it really hard to complete this given that every month that goes by the increase on amount is added and the fees are over XXXX $ dollars. Since my grandmothers passing XX/XX/XXXX the amount accrued is over {$4000.00}. Please help. Thank you.
Company Response:
State: FL
Zip: 33130
Submitted Via: Web
Date Sent: 2017-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-01-23
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: NationStar Mortgage has not been able to help us lower our underwater property. they charge us hi fees and are not helpful on the phone. they transfer us from operator to operator. We ask to talk to a supervisor and they always tell us that we are not able to talk to a supervisor. They do not give us a response of how we can lower our principal unless we send them a lump sum amount.
Company Response:
State: FL
Zip: 33156
Submitted Via: Web
Date Sent: 2017-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-01-24
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: XXXX sold the servicing of my Mortgage to Nationstar Mortgage in XXXX XXXX I recall. I rec 'd a lettter from them telling me my loan was delinquent by 2 mos. This was the first correspondence I received from them and my loan was not delinquent as I had been making my payments to B of A. The amount of arrears was {$4500.00} for XXXX and XXXX XXXX. I have attached a copy of my payment history. I did n't know my loan servicing was transferred and when I was made aware of this I immediately made two payments of {$2200.00} ( XXXX/XXXX/XXXX and XXXX/XXXX/XXXX ) for the XXXX and XXXX Payment. I had recently been discharged from the hospital XXXX therefore I had been working on obtaining a Keep your Home California Loan which I received approval. ( for 12 months later extended to 18 mos. of principal, interest, taxes and insurance ). During this process I went down 4 months ( XXXX XXXX XXXX and XXXX XXXX ). The purpose of the Keep your Home California loan was to assist homeowners with bringing their mortgage loan current, provide assistance with monthly payments consisting of principal, interest, taxes and insurance incl. mandatory, and at the end of the program the consumer was to be able to continue making the payments on their own and the loan forgiven after 3 years provided the property remained a primary residence. Nationstar Mortgage began accepting funds distributed from my loan with KYHC on XXXX/XXXX/XXXX continuing on until XXXX/XXXX/XXXX ( the date I was to start making the payments on my own ). My loan was to be brought current with these funds and remain current until the date that I took back making the payments myself. On XXXX/XXXX/XXXX I went into Nationstar 's system to make my first payment on my own of {$2200.00} ( principal, interest, taxes and insurance ). Much to my surprise the amount due on my statement to re-instate my loan was {$17000.00}. I had received a letter in XXXX XXXX from Nationstar stating their error to disregard foreclosure notice ( attached ). I was under the impression that my loan was current, that distributions from my loan I took with KYHC had been forwarded to my lender on a regular basis which was reflected on my payment history ( attached ). I immediately got on the phone with Nationstar Mortgage to talk with them about this error and to alert them that the system was locked and would not accept any payment from me. These attempts to speak with someone, anyone, over at Nationstar Mortgage went on for 9 months. The first person I spoke to in the foreclosure department because that 's where my loan had been referred to because according to their system my loan was in default, XXXX XXXX instructed me to not attempt to make any payments because the system would not accept anything from me other than the {$17000.00} which was an error. After months and months of trying desperately to have this corrected and never able to reach the same person I had spoken to again, I received notice in the mail that my loan had been referred for trustee sale and that I would be notified of a sale date of my property. I then contacted KYHC to inform them of what had happened. I explained that after all the effort put forth to get approved by them to save my home of 18 years that the program failed me and that I was being referred to trustee sale ( XXXX ). They informed me that I had been approved for an extension to 18 months and that Nationstar Mortgage refused payment from them. So with that said it was all too late. They never corrected the payment amount to {$2200.00} from {$17000.00}. 9 mos went by Nationstar continuing to instruct me to not attempt a payment until they corrected their system to reflect the correct amount. I never received any assistance from anyone and was forced to distressed sale now homeless
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2017-01-23
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: On XXXX XXXX super frustrated I went a head and reach out to you and describe HORRIFIC DISASTER of has happened to me.. I AM A XXXX. I am one of those with the XXXX. Who could no loner continue to work. I have defaulted on my mortgage and I am asking for help fro m Nation Star. Al I want is to be able to keep my home. I have XXXX children. I am requesting from Nation Star to stop the sale date which they moved to XXXX XXXX and review my file for a loan modification All I need is a work out plan that will benefit us all. I am asking that they extend the terms of the loan, lower the rate and adjust the principal balance. This will definitely make my home affordable and sustainable.
Company Response:
State: NY
Zip: 125XX
Submitted Via: Web
Date Sent: 2017-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-01-23
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I was denied a relocation assistance without ever being notified despite numerous phone calls. I went through the home modification program twice. I told them I wanted to do a short sale after all of this. Nationstar provided me with a realtor who worked for them. I got railroaded the whole way through. Now I 'm out of {$3000.00} and no home.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OH
Zip: 43213
Submitted Via: Web
Date Sent: 2017-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-01-23
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: My house in Florida is pending foreclosure ... I am trying to sell it ... My attorney and I have written Nationstar Mortgage and in two months ... they have refused to provide the payoff amount ... they prefer to seize the house and sell it at auction
Company Response:
State: FL
Zip: 34472
Submitted Via: Web
Date Sent: 2017-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-01-23
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: loan XXXX ; Champion Mortgage/Reverse Mortgage placed loan in mortgage due and all due status because of {$2000.00} in property taxes paid several years ago. This abusive since I am XXXX years old and trying to refinance the loan from Champion Mortgage ; Champion is harassing and holding me up from refinancing and paying them off
Company Response:
State: AZ
Zip: 85251
Submitted Via: Web
Date Sent: 2017-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-01-22
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: RE : NationStar Mortgage Customer over 5 years residential mortgage with company and I am a senior citizen. Nationstar Mortgage sent me several letters, phone calls ( for one year ) to refinance promise lower interest rate and no money to refinance. I will be XXXX XX/XX/XXXX so the lower interest rate with XXXX $ lower monthly payments attracted me, because now at retirement I would be able to continue to pay my mortgage. I pay for my taxes, PMI and house insurance into the escrow account that is included in with my mortgage payments. Believing all that written and promised during my interview with Nationstar Mortgage I agreed to refinance. ( 30yr fixed 3.375 interest rate and XXXX monthly payment which included escrow amount-FHA Streamline loan which would make my monthly mortgage rate decrease by {$430.00} from my previous ) Before closing I was contacted by Nationstar and was instructed that I would need to bring {$520.00} check to closing attorney ( all during my transactions with Nationstar I was promised no monies at closing ). On the day of closing I was informed that I would need to bring an additional {$610.00} added to the XXXX because my city/county tax department said I had late payments that needed to be cleared before closing ( when my city tax/county department was finally able to check they informed me I was not behind in any taxes and Nationstar would need to send in writing that they were informed of this. I was on my way to the attorney for closing and I was pressured by Nationstar that I would lose the lower interest rate if closing delayed and I did not pay the {$1100.00}. So I felt that I had no choice but to pay. I closed with attorney on XX/XX/XXXX for closing and the percentage rate as well as monthly Mortgage payments had not changed. I was informed by the attorney that my old mortgage would be paid off as well as any payments connected to the old mortgage. My last correspondence from Nationstar stated that my escrow from my old loan was {$3500.00}. Each year that was used to pay insurance, taxes. On XX/XX/XXXX. I received a letter from Nationstar stating that I had an escrow shortage on my new loan? I was also informed my NEW monthly mortgage payments would be {$1800.00} to cover shortage spread? I called many times to Nationstar. Last call on XXXX to inquire regarding shortage since my loan was new and all payments disbursements should have been taken care of with the closing of my old loan that had enough monies for disbursements. I was informed that {$3000.00} was the shortage. Also the Manager stated that it " looks like '' my escrow monies from my old loan were used " for something ''. Now I was being asked to pay my old loan XX/XX/XXXX escrow back to Nationstar. Also the {$610.00} could not be explained nor did Nationstar want to discuss. Finally on this call the Manager that I spoke with said some of the monies " missing '' were put back into my new loan escrow, so now the monthly payments to cover the " shortage spread '' and my current mortgage payments would be {$1700.00}. Why was my escrow monies from my old loan not used to pay the old loan XX/XX/XXXX disbursements? Why am I being asked to pay my old loan XX/XX/XXXX escrow monies again? Also the {$610.00} that Nationstar states was from old back taxes was not confirmed by my city/county tax department and they also deny any shortage was reported to Nationstar.
Company Response:
State: GA
Zip: 301XX
Submitted Via: Web
Date Sent: 2017-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No