Date Received: 2018-07-13
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I am in the throes of a loan modification I started in XX/XX/2018 a financial decision I made after the untimely death of my husband. I have lost his income, and my savings paying his medical bills. I am experiencing regular rate increases on my adjustable mortgage as well as increases with my utility bills, taxes, insurance, gasoline, pretty much everything I have experienced alarmingly poor follow-up, lost documentation that I emailed up to 3 times, non-answers to my questions over the phone, no response to emails I sent, assurances that someone will call me back and no one EVER does AND the re-assignment of now 4 DEDICATED Loan Specialists (??!! ). How can a loan specialist be considered dedicated when they are assigned to someone elses file every few weeks? I decided to do some research on Mr. Cooper ( formerly Nationstar Mortgage ). What I discovered is beyond disturbing : Nationstar Mortgage was fined millions and millions of dollars for placing mortgage holders in unfair and deceptive mortgage modifications. The modifications were short-term, interest-only mortgages. The borrowers ability to repay was not considered throughout this process. After one or two years, the monthly payments ballooned to a dollar amount that was higher than what the borrower was originally paying when they defaulted. These modifications set borrowers up to fail and put them at heightened risk of foreclosure. After discovering these facts, I am outraged and scared to death. One would think that millions in fines and a good old fashioned Name Change from Nationstar Mortgage to Mr. Cooper, their service and programs would be drastically changed FIXED. Please see the following legal findings filed against Nationstar/Mr. Cooper, that would make any homeowner seriously mistrust their modification program has been rehabilitated to align with court orders. LEGAL FINDINGS : When borrowers filled out and returned the necessary forms, Nationstar failed to log, track and process those forms as required by law. Instead, borrowers faced massive delays, repetitive requests for modification paperwork, and were often denied loan modifications on the ground they failed to submit documentation which had indeed been submitted o I personally experienced these massive delays due to forms and my financial information being lost many times. Sometimes the documents would be found, but then they were considered expired and I had to send in more. How do you lose emailed documents? This went on for weeks. o In XX/XX/XXXX my modification was eventually placed in the Trial Period when youre now expected to make 3 consecutive mortgage payments over a 3 month period. I called in to discuss these payments and how the monthly amount was determined. No one could tell me. I asked if I was approved for a modification? No one could answer this question. No one. I have placed many phone calls to my various dedicated loan specialists who are never available and do not return my voice mail messages. o Friends and family who had been through this process started telling me their horror stories. Losing their home after going through with the modification due to the modification not being affordable. o In XX/XX/XXXX my internet page for my loan read : Please pay the following monthly amount starting in XX/XX/XXXX through XX/XX/2018 - {$2200.00}. I was preparing to pay the first trial payment in XX/XX/XXXX and discovered my file had been removed from the Trial Period and was placed back into Step One. I called to ask why I was placed back into Step one. No one could answer this question. One person actually told me I shouldnt have been able to see this information in the first place!?? I waited a few more days to regroup and low and behold I was placed back into Step two with the first payment now due in XX/XX/XXXX ( not XX/XX/XXXX ), and it was higher. {$2300.00}. AGAIN, I called to ask why did this all take place, why was the trial payment increased? I got a different answer from everyone I spoke to. Taxes & Insurance was added. Late payments were not figured in.. fees were not figured in I feel like people on the other end are winging it. Just making up answers. Nationstar Failed to stop foreclosures o I have received a certified letter from a collection agency who has asked me to furnish the name of any attorney that may be representing me. Why do I need an attorney? Failure to provide borrowers with a fair opportunity for a loan modification review o When I have asked to speak with an underwriter to find out HOW and WHEN they determine I am eligible for a modification and how do they arrive at the new payment amount, the term, rate, etc., I am told no one has worked that far into my file yet. I asked why did I have to send in all my financial information in the very beginning if they arent looking at this information? How on earth are they going to determine what my new payment will be? Please see the next complaint filed against Nationstar below The borrowers ability to repay was not considered throughout the modification process I suffer from complete and total anxiety every time I think about picking up the phone to ask a question from anyone that works for Mr. Cooper. I have nightmares that I am going to lose my home of 16 years. I have paid my mortgage in full and on time for many many years to Nationstar and now Mr. Cooper. To treat a homeowner and longtime customer like this is outrageous. I require answers to my questions. Complete answers from someone who cares and is knowledgeable. Please help me get the answers I need before I lose my sanity and possibly my home.
Company Response:
State: CA
Zip: 92117
Submitted Via: Web
Date Sent: 2018-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-13
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: LOAN ORIGINATION FRAUD ~ FRAUDULENT SALES DOCUMENTS, FRAUDULENT PRELIMINARY CLOSING DOCUMENTS AND FRAUDULENT TRUTH IN LENDING STATEMENTS AND FRAUDULENT ESCROW DISCLOSURES WERE ALL CONFIMREMED TO HAVE BEEN USED. NO CORRECTIONS WERE OFFERED AS REQUIRED BY LAW. UNDER U.S. FEDERAL CONSUMER LAWS WE HAVE EXERCISED OUR RIGHT TO LOAN CANCELLATION DUE TO FRAUD AFTER PROVING IT, BUT THIS JUST TRIGGERED MORE CRIME FROM THIS CRIMINAL ORGANIZATION. THEY PRETEND TO OPERATE A LEGITIMATE BUSINESS AND THEY ALSO PRETEND THAT THEIR SYSTEMATIC, PRE-PROGRAMMED INTENTIONAL FRAUD AND CONSPIRACY TO DEFRAUD THE U.S. FEDERAL GOVERNMENT IS AN ACCIDENT. ESCROW FRAUD ~ XXXX WAS STOLEN FROM OUR ACCOUNT, WE WERE NEVER NOTIFIED WHEN IT WAS STOLEN OR REPLACED AS REQUIRED BY LAW. THIS IS ALSO FRAUD AND MISAPPRPOPRIATION OF FUNDS. THEY STOLE THE MONEY ... THEN DOUBLED THE HOUSE PAYMENT ON A GRIEVING WIDOW. WHEN THE ESCROW FRAUD AND LOAN ORIGINATION FRAUD WERE DISCOVERED, NATIONSTAR PRETENDED TO INVESTIGATE, ASSURING ME IF THE CORRECTED LOAN ORIGINATION DOCUMENTS WERE NOT LOCATED, THEY WOULD TAKE APPROPRIATE ACTION. THEY ALSO COMMITTED ANOTHER COUNT OF FRAUD BY ASSURING US THAT NO FORECLOSURE WAS TAKING PLACE WHILE THEY REVERSED THE OBVIOUS FRAUD THEY HAD CONFIRMED THEMSELVES AFTER YEARS OF PRESSURE TO RELEASE THE TRUTH. WE HAVE YET ANOTHER INTENTIONAL FRAUD IN THE AREA OF ESCROW WHEN IT CAME TIME TO TELL US THE TRUTH ABOUT THE LOAN ORIGINATION. FOR YEARS ... NATIONSTAR CLAIMED TO HAVE NO RECORD OF ANY TRANSACTION PRIOR TO COLLECTING ON THE LOAN THEMSELVES. THIS IS ALSO WIRE FRAUD BECAUSE IT WAS DONE OVER THE PHONE. IN THE PAST 12 MONTHS, NATIONSTAR HAS STOLEN THOUSANDS OF DOLLARS FROM US AND THEY CONSTANTLY STEAL PRINCIPAL WITHOUT CREDIT. I HAVE THEM ON TAPE TELLING ME THEY ARE TAKING MONTHLY PAYMENTS, CALCULATING THE AMOUNT TO THE PENNY, DEBITING MY ACCOUNT, AND STEALING THOUSANDS OF DOLLARS REPEATEDLY. WHEN PUSHED THEY WILL PUT THE MONEY BACK BUT IT IS NOT CREDITED PROPERLY AND THEY WERE ABLE TO STEAL MONEY BY COLLECTING ON INTEREST THAT WAS NOT DUE. WE HAVE ASO CONFIRMED THAT NATIONSTAR CHARGES 100 % OF THE INTEREST, AN ILLEGAL, PRE-PAYMENT PENALTY, IF YOU PAY YOUR LOAN AHEAD. ON THE ONE OCCASION THEY DIDN'T STEAL A WHOLE PAYMENT, THEY STILL OVERCHARGED FOR INTEREST AND COLLECTED MONEY THAT WAS NOT THEIR 'S WITHOUT PROPER CREDIT. NATIONSTAR HAS COMMITTED WIRE FRAUD BY STEALING OUR XX/XX/XXXX HOUSE PAYMENT BY LYING ON THE PHONE. NATIONSTAR HAS COMMITTED FRAUD BY STEALING OUR XX/XX/XXXX HOUSE PAYMENT. NATIONSTAR JUST STOLE OUR XX/XX/XXXX HOUSE PAYMENT. NATIONSTAR COMMITTED FRAUD BY COLLECTING INTEREST THEY WERE NOT OWED WHILE STEALING PRINCIPAL WITHOUT INTEREST. NATIONSTAR DEFRAUDED THE US GOVERNMENT AND THE LOCAL AND STATE GOVERNMENT IN XXXX COUNTY AND FLORIDA RESPECTIVELY BY SELLING A HOME THEY NEVER LEGALLY OWNED THROUGH THEIR ONLINE AUCTION WEBSITE DBA XXXX. THIS ADDRESS IS XXXX XXXX XXXX IN XXXX FLORIDA. THEIR TITLE COMPANY DBA XXXX XXXX CONFIRMED IN WRITING THAT NATIONSTAR NEVER HAD A CLEAR TITLE TO TRANSFER DESPITE YEARS OF EFFORT AND SOLD IT THROUGH A SHADY PAPER SHUFFLE KNOWN AS PORTFOLIO TRANSFER. WHEN CONFRONTED ABOUT THEIR WRONGDOING NATIONSTAR SAID, AND I QUOTE, THE XXXX YEAR OLD CONSUMERS " SHOULD HAVE KNOWN '' THAT PREDATORY LENDING WAS OCCUURING AND THEY SHOULD HAVE EXPECTED THIS TYPE OF DISHONESTY AND CRIME. ALTHOUGH WE CAN FIND SPECIFIC LAWS, RULES AND REGULATIONS TO BACK UP EVERY FRAUDULENT ACT, THIS CORRUPT ORGANIZATION RUNNING ON COMPUTER FRAUD CAN NOT ADMIT DOING ANYTHING WRONG. UP UNTIL NOW, THEY HAVE BEEN ABLE TO STEAL MILLIONS AND MILLIONS OF DOLLARS UNABATED BY SIMPLY SAYING IT IS AN ACCIDENT WHEN CHALLENGED AND " CONSIDERING THE MATTER CLOSED '' WITHOUT DOING ANYTHING BUT TERRORIZING THE CONSUMER. NATIONSTAR COMMITTED ADDITIONAL FRAUD BY COMPLETING A FORECLOSURE THAT THEY SAID WAS NOT OCCURRING. NATIONSTAR COMMITTED MAIL FRAUD BY MAILING FALSE STATEMENTS DURING MOST OF THEIR LOAN SERVICE. NATIONSTAR COMMITTED FRAUD BY STOPPING ALL PAYMENT REQUESTS WHILE PRETENDING NOT TO FORECLOSE. THIS IS A SICK GAME AND RUTHLESS. THE CONSUMER NEVERS SEES IT COMING. WHILE PRETENDING TO BE NICE ON THE PHONE, YOU SEE NOTHING IN THE MAIL, UNTIL THE COURT NOTICE THAT YOU HAVE BEEN FORECLOSED. THEY ARE STILL TRYING TO COLLECT THE ATTORNEY FEES FROM THIS FORECLOSURE THEY LIED ABOUT. EVERY MONTH THE COMPUTER PUTS OUT A DEMAND LETTER FOR A PAYMENT ON THE FORECLOSURE EVEN THOUGH WE ARE AHEAD ON PAYMENTS
Company Response:
State: FL
Zip: 34293
Submitted Via: Web
Date Sent: 2018-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-13
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I received a benefit award from the Keep Your Home California Program in XX/XX/XXXX. The award was for {$50000.00} to reduce the principal balance on my mortgage and to reduce the monthly mortgage payment to enable me to keep my home with a more affordable monthly mortgage payment. I am a retired, single, XXXX American woman, senior citizen ( XXXX years old ) and have adopted and am raising my XXXX ( XXXX years old ). I have been in my home for the past 12 years with no prior mortgage issues or problems and the home has been in the family ( my Mother was the original owner ) since it was first built in XXXX. My objective is to maintain a safe and secure home environment for my granddaughter and myself which is the reason I applied for and was granted the benefit from Keep Your XXXX California. There are two mortgage companies involved in this scam of not providing the totality of my award XXXX XXXX XXXX ( Original Mortgage ) XXXX. XXXX XXXX XXXX, New Jersey Account Number XXXX Mr. Cooper ( New Mortgage ) XXXX XXXX XXXX XXXX XXXX, TX XXXX Loan Number XXXX On XX/XX/XXXX I was notified by Keep Your Home California that the {$50000.00} Benefits had been sent on my behalf to XXXX XXXX XXXX ( copy of notification included in attachments ) and within a few days I would receive documents relating to the principal reduction and the new lower mortgage payment. I waited patiently for this information but never received it. Instead I received on or about XX/XX/XXXX a statement dated XX/XX/XXXX which showed the receipt and distribution of the {$50000.00} but NO REDUCTION IN THE AMOUNT OF THE MONTHLY PAYMENT ( copy of statement included in attachments ). I immediately called XXXX to find out what was going on it was at that time I was informed of two things. 1. My loan was being transferred to another company 2. They did not bother to do a recast of my monthly payment ( this is an exact quote ) and the new company would have to do it. I find it extremely suspect that immediately after receiving $ XXXX in cash and making no effort to recast the monthly payment on my mortgage the loan was transferred. Obviously if they had the time to take the money they should have completed the whole process prior to the transfer, or transfer both the money and the loan to the new company, this reeks of shady if not illegal business practices. I contacted the Mr. Cooper around XX/XX/XXXX and inquired as to when they would be doing the recast of my monthly payment. At that initial contact they could not help me as the loan transfer was not effective until XX/XX/XXXX and they would not receive any of the loan information until after XX/XX/XXXX. I waited until after XX/XX/XXXX and have been in constant communication ( all initiated by me ) with Mr. Cooper representatives during the entire month of XXXX regarding the lower monthly payment which is included in the award I received. Following is a diary if my communication with Mr. Cooper regarding the recast and when it would be done and applied to my mortgage payment. Fortunately all the calls were made via my cell phone and are memorialized in the phone logs. But a summary of dates and the person I spoke with follows : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX XXXX XXXX ), XX/XX/XXXX ( XXXX, Escalation XXXX ), XX/XX/XXXX ( XXXX XXXX, XX/XX/XXXX ( XXXX XXXX, Escalation XXXX XXXX XXXX ), XX/XX/XXXX ( XXXX ) XX/XX/XXXX ( XXXX XXXX, Escalation Specialist XXXX XXXX ) and XX/XX/XXXX ( XXXX XXXX ). Not to mention the numerous times I called the two escalation Specialist, left a message and did not receive a return call. It was on XX/XX/XXXX that I was informed by XXXX that the recast pf my mortgage payment was denied and the reason was that my loan was not current I was flabbergasted. Mind you my loan was current for the month of XXXX and the only reason I had made no payment is due to the fact that I was waiting for and communicating with Mr. Cooper to ascertain the lower mortgage payment which is part of my original award. I find it highly suspect that I was strung along for an entire month so the company could use this as an excuse to not honor the terms of my benefit award. This is underhanded and completely unconscionable, wrong and taking complete advantage of a consumer and the award they were granted.
Company Response:
State: CA
Zip: 92553
Submitted Via: Web
Date Sent: 2018-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-13
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I am writing to you today so that I may receive some assistance regarding my mortgage with Mr. Cooper, previously known as Nationstar. I have two ( 2 ) complaints that I would like to seek some resolution with or at have least addressed. ( 1 ) In XXXX, I took part in the HAMP program. At this time, I had been divorced from my husband since XXXX, as part of our divorce decree I was mandated to seek financing that would remove him from the mortgage. I explained this to my Nationstar mortgage consultant who helped me obtain my HAMP. It was expressed to me that this could be accomplished, but that I would have to provide ; copies of the divorce papers, and that we would only use my income for this to happen. I also believe that my ex-husband had to sign a notarized statement stating that he no longer was responsible or had an interest in the said property. All of this was complied with. So, I was very shocked to find out last year that he was still listed as a co-borrower on my mortgage, and he was even more distressed than I. I dont understand how this can go both ways. Either he should have had to sign and show proof of his income also in order to be part of the program or he should have been removed. I dont believe you are legally able to modify a loan agreement and exclude a party. I would like his name removed as co-borrower. ( 2 ) HAMP, pay-for-success incentive program. I did receive a letter from Nationstar regarding the requirements for this program I had complied with all of the components of the program to receive the incentive. Basically, you need to be in good standing, not paid off the loan. However, there is also a document that need to be signed a form XXXX. Nationstar provided me with this form in XX/XX/XXXX. As the time approached to submit the form in a timely manner I was in daily contact with Mr. Cooper, because my ex-husband really wanted me to get his name off my loan ( as referenced above ). I brought this letter to my Mr. Cooper representative a. Because the deadline was approaching to submit the form, and b. Because I told him I would like to postpone the refinancing process, in order to collect the incentive. XXXX XXXX told me that I had already received any incentive that I had coming to me and that I should not submit the form. I am not saying that he was trying to deliberately misinform me but by relaying improper. information to me he in fact did. I know that Mr. Cooper records conversations so I would believe that they have this conversation saved. I would like to show by providing the amount of emails sent to me from Mr. Cooper and/or representatives of Mr. Cooper from late XXXX until XX/XX/XXXX, with no mention of this form XXXX or additional incentives available to me that they did not provide timely information regarding this program. Thank you
Company Response:
State: FL
Zip: 329XX
Submitted Via: Web
Date Sent: 2018-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-12
Issue: Trouble during payment process
Subissue:
Consumer Complaint: In XX/XX/XXXX our home loan was modified using the HAMP program. The lender offered two pay to perform benefits. One would be {$1000.00} per year for the first five years for a total of {$5000.00}. Second is a principal deduction of {$26000.00} per year for the first three years for a total of {$79000.00}. This full credit should have been completed XX/XX/XXXX. I would like to point out that this loan agreement has been signed and notarized by both parties and filed on the property. As of today, we have received {$4000.00} credit for the $ XXXX/year and {$0.00} of the $ XXXX/year principal reduction. These terms are stated clearly on the HAMP agreement filed on the property dated XX/XX/XXXX, page 4, paragraph 1. It also stated clearly on the HAMP offer from NationStar dated XX/XX/XXXX, page 3, paragraphs 1 and 2. I called Mr. Cooper ( formerly NationStar ) several times asking about the $ XXXX/year and have been given the runaround. Here are my notes on the calls : XX/XX/XXXX - Spoke to XXXX at Mr. Cooper. Was told that two {$1000.00} ( XXXX, XXXX ) were on record but nothing on $ XXXX/year. She was sending an inquiry to pay to perform department. XX/XX/XXXX - Spoke to XXXX ( in AZ ). Inquired again about credit noting that it shouldve been completed in XXXX and that it was two years past due. I was told that it was a typo and that I would only get the $ XXXX. Transferred to XXXX XXXX, supervisor ( x XXXX ) and told it was being reviewed by pay to perform XX/XX/XXXX - Received letter showing credit of {$4000.00} for pay to perform incentive. XX/XX/XXXX - Left message for XXXX XXXX. Call returned and he stated there has been no feedback on my inquiry. XX/XX/XXXX - Spoke to XXXX ( in AZ ) as XXXX is now unavailable to take my calls. He told XXXX he will email me. After some heated complaints of all the emotional distress Ive experienced dealing with them I was finally given to XXXX XXXX. He stated again that he did not have an answer. He said something about the documents being reviewed. Overall, getting a HAMP loan has been an extremely stressful process on us. We had to hire attorneys to get it in the first place. Now Mr. Cooper has made it clear that they have no intention of honoring our agreement ( that they offered ).
Company Response:
State: NV
Zip: 895XX
Submitted Via: Web
Date Sent: 2018-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-13
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: The complaint is against both attorney XXXX XXXX XXXX, of XXXX XXXX ( XXXX ) and para legal XXXX XXXX XXXX, for negligence and mishandling representation and mediation between myself and my mortgage lender Mr. Cooper/Nationstar Mortgage ( NSM ). Both NSM and XXXX, are attempting to sabotage my case and forcing my case past the statute of limitations. Due to my loan status of litigation, NSM, refuses to discuss nor consider my attempts at bringing my account current. XXXX has only been recently been assigned to mitigate my loan after the first set of attorneys were replaced. My situation started back in XX/XX/XXXX when I was forced to file a lawsuit due to NSM, failing to make timely disbursements of my hazard insurance, which resulted in cancelation of a low premium for hazard insurance. This is a direct violation to paragraph 3500.17 ( i ) ( 2 ) of RESPA : ( k ) Timely payments. ( 1 ) If the terms of any federally related mortgage loan require the borrower to make payments to an escrow account, the servicer must pay the disbursements in a timely manner, that is, on or before the deadline to avoid a penalty, as long as the borrower 's payment is not more than 30 days overdue. ( 2 ) The servicer must advance funds to make disbursements in a timely manner as long as the borrower 's payment is not more than 30 days overdue. Upon advancing funds to pay a disbursement, the servicer may seek repayment from the borrower for the deficiency pursuant to paragraph ( f ) of this section. As a result my new policy was twice as much forcing my loan into delinquency because I could not afford the new escrow amounts from the replacement hazard policy. Once my lawsuit was filed it was assigned to the previous lead counsel XXXX XXXX XXXX XXXX XXXX XXXX, and I had been engaged in settlement negotiations as well as and modification efforts since mid-XX/XX/XXXX, when my civil case was first filed.In fact, XXXX XXXX has negatively impacted my dealings with my lender representing agent of Nationstar/Mr. Cooper ( NSM ), since day one. NSM, made the mistake of having XXXX XXXX manage not only the litigation matter, but also loss mitigation efforts as well. The loss mitigation process required for her to be a go between and to adhere to processing my loan modification with NSM, as well as attempt to coerce me into dismissal of my lawsuit for various reasons. I refused. Then XXXX intentionally stalled the negotiations for 10 months due to her involvement.At one point Ms. XXXX received 4 separate transmissions of my complete loan modification request and supporting documents and basically for lack of a better words she refused to forward them to NSM for review. In fact at one point, she attempted to extort me, by offering to review my loan for modification assistance in exchange for me dismissing my civil case with prejudice as well as she offered me a meager cash settlement of {$500.00}. I refused again to dismiss my case and was forced to file a CFPB complaint against her and NSM, which in turn forced them to review my loan for assistance. Mind you, I have an FHA loan, which requires specific guidelines to be followed when a review for modification assistance has been warranted. XXXX XXXX attempted to circumvent these rules once I filed a consumer complaint with the Consumer Financial Bureau ( CFPB ) case # XXXX, and XXXX was called out and forced to comply with the review under FHA rules. I feel that these actions were her way of attempting to bring this matter to a quick close. I had to go as far as threaten her with amending my lawsuit with these additional claims for abusive extortion tactics in order to somewhat get her to cooperate. Her resistance has only aggravated this matter rather than mediate. Its also a fact that NSM, attempted to sell my home while XXXX was in possession of multiple full packages for loan medication review which is considered dual tracking. I was forced to file bankruptcy to stop the sale date attempts during the modification review process in the spring of XX/XX/XXXX. Webb had been a virus in my attempts to protect the interests in the home and my rights as a homeowner for what NSM, has done. Again, NSM, has single handedly forced my loan into delinquency as a result of mishandling my escrow account shortly after taking over the loan then NSM took over my loan and has not been current since.Fast forwarding, my loan was finally approved for loan modification assistance on XX/XX/XXXX, payments due in the amount of {$1400.00} due XX/XX/XXXX thru XX/XX/XXXX. XX/XX/XXXX through XX/XX/XXXX, Hurricane Harvey hit Texas, most of our State was declared National Disaster within the first few days. FHA, immediately suspended all payments for Texas homeowners for up to 6 months or more if needed, until the state of emergency could be thoroughly accessed. Virtually everyone in Texas was affected by the storm in one form or another. Rather than XXXX adhering to FHAs decisions of mortgage forbearance of payments, as my loans investor. She decided to have me make payments starting in XX/XX/XXXX rather than XX/XX/XXXX. Then she contacted me again stating that the payment wouldnt be due until XX/XX/XXXX. Payment was made and somehow derailed because there was an issue with my bank account and I received no notice whatsoever about a retuned payment. I feel That XXXX, was definitely leaving something out and hiding the fact that payments were not being demanded by FHA at all. However, by the time that I had been made aware the modification agreement had dismantled and I was contacted after the fact by XXXX. I advised her that I had the ability to make up the payment or make 2 at once. I informed her that I would have made up the payment or payments if only informed in ample enough time. However, do to the fact that my loan is flagged as litigation in the system for NSM. No agents can call me at all for anything, and all communications are relied upon by XXXX and XXXX XXXX. She then was supposed to address this issue and determine when and where I could resume my payments to complete the trial plan.I never heard back from her and the last time that we had any communications was XX/XX/XXXX. Our last set of negotiations were dated XX/XX/XXXX, in which attorney XXXX had presented to me via email per rule 408, a settlement of an amount that was considerably lower than what I had originally suggested in earlier in XX/XX/XXXX.The last communications that I received from XXXX are as follows : XX/XX/XXXX To date Ive received no notices via process service from XXXX XXXX , which would indicate compliance with the Docket Control Order, milestones Expert Witness Designation which was due XX/XX/XXXX nor has any firm representing NSM, completed nor initiated Status Conference due by XX/XX/XXXX. The discovery period endedXX/XX/XXXX, and none of these proceedings steps have been adhered to. There has been long blocks of time that has passed between communications with XXXX, and I feel their involvement has negatively compromised my complaint. It appears that the new law group assigned to my loan by NSM, is also failing to adhere any of the civil lawsuit milestones. At this point I feel it necessary to file an amendment to my original complaint in order to address the incompetency, negligence, misrepresentation, and fraud of NSM and XXXX and also XXXX, which the most recent counsel assigned to bring this matter to a close.
Company Response:
State: TX
Zip: 77429
Submitted Via: Web
Date Sent: 2018-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-12
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Mr. Cooper is a brand name for Nationstar Mortgage LLC. Nationstar Mortgage LLC is doing business as Nationstar Mortgage LLC d/b/a Mr. Cooper. Mr. Cooper. I have a payoff quote issued by this company on XX/XX/18 that clearly states that the amount of {$60000.00} for the pay off was good through XX/XX/18. However, upon selling the property they told the titling company a completely different figure, {$61000.00} that was {$730.00} higher than this quote. They are refusing to honor their quote. Spoke to XXXX at the escalation department. Additionally, they claim that they may take up to 30 business days to process the payoff ; however, their quote has language stating that any over-payments will be disbursed no later than 20 business days.
Company Response:
State: VA
Zip: 20169
Submitted Via: Web
Date Sent: 2018-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-12
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I am writing to dispute the Mortgage Account XXXX, that was inherited by the Mr. Cooper Mortgage Company from the former NationStar Mortgage. The item I am disputing, My Mortgage Account status, is reflected on all three credit reports enclosed. On XX/XX/XXXX, I pulled my credit reports and saw that this item, after being advised by my realtor companys Legal Advisor : XXXX XXXX XXXX, Short Sale Coordinator of XXXX XXXX XXXX, P.C.,XXXX XXXXXXXX XXXX XXXX , XXXX , VA XXXX ( XXXX ) XXXX-direct, ( XXXX ) XXXX-efax, XXXX ; and the former NationStar Mortgage assigned Negotiator, XXXX XXXX ( XXXX ) XXXX, that my final documents received in connection with my closing, that my Mortgage loan was approved for forgiveness ( paragraph 2 of the approval letter ). ( which I have enclosed as well ). I have also included several correspondences with my attorneys the letter confirming my no longer dwelling in XXXX XXXX XXXX, XXXX, VA XXXX since XX/XX/XXXX and also paperwork confirms the successful short sale to a Ms. XXXX XXXX on XX/XX/XXXX. I am requesting that My Mortgage Account information be modify as the information is inaccurate and incomplete. As of XX/XX/XXXX, per the advisement of my Attorneys, realtor, and NationStar Mortgage, my home was successfully sold as a short sale, approved for the loan forgiveness, and through legal proceedings, made me no longer responsible for that mortgage due to the property being owned by another homeowner. Therefore, I am requesting that the Mortgage Account information be modified to reflect I have satisfied my obligation, and that all negative marks on my Credit be deleted in order to restore my credit into good standing. As of XX/XX/XXXX, I have contacted the Former NationStar Mortgage Company 's RESEARCH Department ( Now taken over by Mr. Cooper Mortgage Company ), I spoke to a XXXX XXXX ( XXXX who was most helpful and advised me to send my cover letter, documents and email to " XXXX XXXX
Company Response:
State: MD
Zip: 20772
Submitted Via: Web
Date Sent: 2018-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-12
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I am writing to dispute the Mortgage Account XXXX, that was inherited by the Mr. Cooper Mortgage Company from the former NationStar Mortgage. The item I am disputing, My Mortgage Account status, is reflected on all three credit reports enclosed. On XX/XX/XXXX, I pulled my credit reports and saw that this item, after being advised by my realtor companys Legal Advisor : XXXX XXXX XXXX, Short Sale Coordinator of XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX , VA XXXX ( XXXX ) XXXX-direct, ( XXXX ) XXXX, XXXX ; and the former NationStar Mortgage assigned Negotiator, XXXX XXXX ( XXXX ) XXXX, that my final documents received in connection with my closing, that my Mortgage loan was approved for forgiveness ( paragraph 2 of the approval letter ). ( which I have enclosed as well ). I have also included several correspondences with my attorneys the letter confirming my no longer dwelling in XXXX XXXX XXXX, XXXX, VA XXXX since XX/XX/XXXX and also paperwork confirms the successful short sale to a XXXX XXXX XXXX on XX/XX/XXXX. I am requesting that My Mortgage Account information be modify as the information is inaccurate and incomplete. As of XX/XX/XXXX, per the advisement of my Attorneys, realtor, and NationStar Mortgage, my home was successfully sold as a short sale, approved for the loan forgiveness, and through legal proceedings, made me no longer responsible for that mortgage due to the property being owned by another homeowner. Therefore, I am requesting that the Mortgage Account information be modified to reflect I have satisfied my obligation, and that all negative marks on my Credit be deleted in order to restore my credit into good standing. As of XX/XX/XXXX, I have contacted the Former NationStar Mortgage Company 's RESEARCH Department ( Now taken over by Mr. Cooper Mortgage Company ), I spoke to a XXXX XXXX ( XXXX who was most helpful and advised me to send my cover letter, documents and email to " XXXX mrcooper.com
Company Response:
State: MD
Zip: 20772
Submitted Via: Web
Date Sent: 2018-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-12
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: We purchased our home in XX/XX/XXXX and our mortgage was {$130000.00} with XXXX XXXX. in XX/XX/XXXX I lost a good job and we missed a couple payments and did a modification with XXXX to keep our home. in XX/XX/XXXX we received notice that our mortgage was sold to NationStar which is now operating as MR.COOPER. From the beginning it has been difficult being a customer of theirs. We have had to modify our mortgage with them last year due to my lack of ability to keep consistent employement. Long story short we were forced to sign a modification with them last year or lose our home as they put it. Our " modification '' is for {$140000.00} I have paid 10 years on a mortgage and owe more now than the day i purchased the home, i missed maybe 12 payments in 12 years, payments have always been around {$1300.00} monthly between both companies and our taxes are escrowed in our mortgage. Regardless, I have paid almost {$170000.00} of the {$180000.00} that I should have paid, but due to being out of work twice in the last 7 years and needing a modification I owe more now than in XX/XX/XXXX when we signed the XXXX XXXX mortgage.
Company Response:
State: PA
Zip: 19464
Submitted Via: Web
Date Sent: 2018-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A