Date Received: 2016-11-29
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: my XX/XX/2016 statement indicated {$370.00} due in fees + overdue payment of XXXX for a total of XXXX.
( As of this date there 's XXXX in unapplied funds as I am paying extra each month to get current ) {$160.00} listed as maintenance fees rest unknown. the statement listed several fees however each fee listed also listed a credit for the same amount.
I contacted my server and was told the maintenance fees were due to locks being changed due to an inspection in which the house appeared vacant. I informed my server the house is not vacant and had the locks been changed my tenant would have been lockedout and that is not the case.
I demanded an adjustment of all fees with confirmation. to this date I have received 2 letter informing me that those fees have been removed. 1st dated XX/XX/2016 & 2nd dated XX/XX/
Company Response:
State: CA
Zip: 92508
Submitted Via: Web
Date Sent: 2016-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-11-29
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: XX/XX/2016 A week ago we got notice that our house was being foreclosed by Nationstar bank. We had been working on a modification of our loan and after losing our applications three times by facts as they wrapped up interest charges on our loan, XXXX XXXX, " our dedicated loan specialist '' told us that if we made six consecutive payments within a month without being delinquent we would then move on to the modification. We complied " to the letter '' and sent our checks of over {$1200.00} every month as instructed. Now we are told that we never made the payments although our bank statements say the payments were processed so we have proof. As an aside, XXXX XXXX called a while back, and not knowing ( or maybe he did ) he laughed the ENTIRE message and never said a word. No one seems to know where the money went! So over {$7500.00} is lost into thin air! In the length of time it would take us to find out what happened and remedy it if possible, we would lose our house completely without making a XXXX of the {$220000.00} that we put down on the house. So we Sold it immediately so that we do n't lose profit in the amount of approximately {$150000.00}. We were lucky to have a buyer, I guess. There is more to the story and all along the way we 've been lied to as it turns out. At one point, four months we could not contact anyone at nation star because every single XXXX number directed us back to someone that no longer worked there. So now, we are losing the beautiful house we love and have to be out of the house by XX/XX/2016. We are devastated. If there is anything you can do to help us we would be ever so grateful. We never thought something like this could happen to us, but it has. When this all began a YEAR AGO, we were one payment behind and could n't make it up. This IS an urgent matter, and if someone could get back to us as quickly as possible, we would be so so grateful. Our contact information is listed above in my name to be the person contacted. Again our number is XXXX and my name is XXXX XXXX. Thank you in advance! Sincerely, XXXX XXXX
Company Response:
State: NV
Zip: 89511
Submitted Via: Web
Date Sent: 2016-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-11-28
Issue: Application, originator, mortgage broker
Subissue:
Consumer Complaint: *** PLEASE FORCE NATIONSTAR TO ANSWER THE QUESTIONS SO YOU CAN CONVICT THEM ... THEY ARE ILLEGALLY OPERATING ON EVERY LEVEL AND TOTALLY IGNORING THESE COMPLAINTS WHILE DECEIVING THE CFPB INTENTIONALLY***Nationstar has already confirmed loan origination fraud, embezzlement, loan service fraud, illegal collection of pre-payments, illegal fees, illegal foreclosure using deception, misrepresentation on the phone, failure to mail monthly statements, mailing false monthly statements, and lying about not owning this loan while providing a false owner and false account number ... .Nationstar stated on the phone Fridaythat they do not consider breaking the law a problem in any form ... and they went on to saythese acts ... although violations of state and federal law ... are not even thought of aserrors or wrongdoing. I HAVE SOME LOAN QUESTIONSFOR THEIR CEO~ XXXX ... WHO INHERITED THIS PROBLEM ... # 1 ) WHEN DID LOAN FRAUD BECOME LEGAL? # 2 ) WHEN DID IT BECOME LEGAL TO MISREPRESENT ACTUAL ESCROW CHARGES IN ORDER TO DECEIVE SENIOR CITIZENS INTO SIGNING A REFINANCE ON THEIR HOME? # 3 ) WHEN DID IT BECOME LEGAL TO ADD YEARS ONTO THEIR MORTGAGE AND HUNDREDS OF DOLLARS TO THEIR MONTHLY PAYMENT ... AGAIN USING FRAUD AND MIREPRESENTATION OF FACTS TO HIDE IT? # 4 ) WHEN DID EMBEZZLEMENT BECOME LEGAL? # 5 ) WHEN DID IT BECOME LEGAL TO TAKE MONEY OUT OF AN ESCROW ACCOUNT WITHOUT AUTHORIZATION AND WITHOUT NOTIFICATION? # 6 ) WHEN DID IT BECOME LEGAL TO STOP MAILING MONTHLY STATEMENTS AS REQUIRED BY LAW? # 7 ) WHEN DID IT BECOME LEGAL TO MAIL FALSE MONTHLY STATEMENTS AND REQUESTS FOR 5 MONTHS OF PAYMENTS FOR 60 DAYS OF OCCUPANCY? # 8 ) WHEN DID IT BECOME LEGAL TO DOUBLE A PERSON 'S HOUSEPAYMENT USING EMBEZZALEMENT, FALSE CHARGES, AND OTHER TYPES OF LOAN FRAUD? {$9.00} ) WHEN DID IT BECOME LEGAL TO ADD 2000 % ( 2000 % ) APR ON MONTHLY PAYMENTS? # 10 ) WHEN DID IT BECOME LEGAL TO SAY TO A CUSTOMER " PAY THIS AMOUNT AND YOUR LOAN IS CURRENT '' WHILE NOT BRINGING THE ACCOUNT CURRENT, LYING TO CUSTOMER, COLLECTING PRINCIPAL WITHOUT CREDIT, AND ADDING LATE FEES INTEREST AND INSPECTION AND ATTORNEY FEES ON AN ACCOUNT THAT IS CURRENT? NATIONSTAR AND ITS EMPLOYEES ARE INTENTIONALLY DEFRAUDING THE GOVERNMENT SOME OTHER FACTS NATIONSTAR HAS LIED ABOUT AND HIDDEN XXXX is the co-founder, principal, and co-chairman of the board of the directors of XXXX which is the majority shareholder of Nationstar. According to the most recent SEC filings, XXXX currently owns nearly 63 % of Nationstar. AS THE FBI AND CFPB XXXX EXPANDS ... XXXX SHOULD BE LOOKED AT FOR REIMBURSEMENT OF THE FHA FRAUD. THE CRIMES I DOCUMENTED WERE APPROVED AND ENDORSED FROM THE TOP DOWN OVER AND OVER AGAIN ... FOLLOWED BY ADDITIONAL CRIMES. ATTACHED ARE XXXX LOANS WITH THE SAME EXACT ISSUE ... DUE FOR XX/XX/XXXX AND XX/XX/XXXX. XXXX IS AN HONEST BANK, THEY COMPLY WITH THE LAW, THEY DO N'T ADD FEES JUST TO PAD THE BOTTOM LINE, AND THEY DO N'T LIE, CHEAT STEAL AS PART OF AN ORGANIZED CRIMINAL RACKETEERING SCAM. I WOULD RATE THEM AS 100 % ETHICAL AND 100 % COMPLIANT. NATIONSTAR CONTINUES TO LIE, CHEAT, AND STEAL WHILE BEING A VOID WHEN IT COMES TO ETHICS AND COMPLIANCE. I WOULD RATE THEM NEAR XXXX ON BOTH. THIS ACCOUNT WAS BROUGHT CURRENT AND COMPLETELY UP TO DATE IN XX/XX/XXXX WHEN THEY TOOK A SUBSTANTIAL PAYMENT OF SEVERAL XXXX DOLLARS. THEY LIED ON THE PHONE WHEN THEY TOOK THE PAYMENT AND THEY LEFT A BALANCE ... THEY USED THIS ILLEGAL ACT TO CONTINUE TO THREATEN FORECLOSURE AND THEY CONTINUE TO ADD LATE FEES AND ATTORNEY FEES AND INSPECTION FEES TO A LOAN THAT IS CURRENT. NATIONSTAR INTENTIONALLY USE SCARE TACTICS TO STEAL HOMES ILLEGALLY. NATIONSTAR PREYS ON THE LESS EDUCATED AND THE ELDERLY. COPIES OF " XXXX LETTERS '' WITH NO BASIS IN MATH AND NO EXPLANATION TO THE CONSUMER WERE PREVIOUSLY UPLOADED TO CFPB PREVIOUSLY COMPLAINT WITH A PDF TITLED " FBI FILE ''
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 34293
Submitted Via: Web
Date Sent: 2016-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-11-28
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: PLEASE HELP US!!!! ****THIS IS A NATIONAL CRISIS!!!! XXXX JUST SOME OF THE VICTIMS STATEMENTS ATTACHED*** PART XXXX OF CRIMINAL RACKETEERING BY FORTRESS INVESTMENTS AND NATIONSTAR/XOME.COM " I am a XXXX who has owned homes for almost 40 years. Never, ever have I had XXXX phone call from a mortgage company. My mortgage was with XXXX for many, many years. They sold my mortgage to Nationstar. Then the nightmare began. " I watched my home sold at a completely fraudulent and fake Trustee Sale '' " Nation Star purchased my loan ( s ) when XXXX Mortgage discontinued doing mortgage loans. To say that my life has been *** since they took over my loan, is an understatement. This company has made so many mistakes until they have totally changed the standard and lowered the " XXXX '' to the ground '' " I can not believe that a company like this was ever formed is serves no purpose no reason to exist please help us take them out of business '' " Very bad Mortgage company my Mortgage was sold to them. '' " Unfortunately I am another XXXX whose mortgage was transferred by XXXX to this extremely unprofessional company, without my consent. I had no trouble with the XXXX prior mtg. service companies, the first being the developer finance co, then shortly after it transferred to XXXX, which is my own bank. After XXXX threw me under the bus and sent it to this company, it 's been nothing but misapplied funds, and battles to get answers and proper accounting '' " Most awful company that I have ever dealt XXXX! This company mistakenly added their own insurance to my mortgage loan. I had up-to-date paid insurance, so they should not have added their own to my loan payment. So I called them to remove it, they said they would. However, it was not done. I called again, again they agreed it should not be there, said they would remove it. Ended up calling XXXX more times. The insurance is still there. " " They are straight up evil and they need to be dealt with they need the sh*t sued out of them. All they want to do is take XXXX homes and quite frankly im tired of it. Were now dealing with my inlaws being kicked out of there home ater 15 years. There first mortgage company was century XXXX then it went to nationstar without my inlaws knowing anything about it '' " I 've been with Nationstar for years. Unfortunately I am waiting for the day some other mortgage company gets my loan. Nationstar gives false information. '' " Worst place ive ever had to deal with .constant run around ..money scamming. refuse to help. They assumed my loan, constant hidden fees '' " TRIED TO GET A MODIFICATION WITH NATIONSTAR, AND ENDED UP LOOSING MY HOME ON AN ELECTRONIC AUCTION, WHICH THEY BOUGHT '' " The time has come. We need to start a class action suit against Nationstar. '' " LET IT BE KNOWN THAT I PRAY EACH NIGHT FOR XXXX TO INFLICT HIS WRATH ON XXXX AND XXXX FOR THEIR DIRT DEEDS IN RIPPING OFF MY FRIEND AND FOR CAUSING HER GREAT HARM. WARNING DO NOT LET NATIONSTAR DECEIVE YOU IN REFINANCING YOUR HOME. COLLECTIVELY NATIONSTAR INCREASE CLOSING COST FROM {$2400.00} TO OVER {$5000.00} AND THEN TO {$7500.00} IN CLOSING COST AND PLACE AN INCREDIBLE AMOUNT OF HARM AND BURDEN ON MY FRIEND WHO WAS FORCED TO COMMIT '' " No matter how many times I call to get a problem resolved ( a problem of Nationstars making I might add ) I can never get any answers. I have told my request has been " escalated '' dozens of times. This means nothing. I have finally gotten to speak to a " XXXX '' and I was promised I would get a call by the end of the day. No call. I follow up XXXX days later, no answer. '' " I have been in my home XXXX years. I pay XXXX a month. I financed XXXX and I still owe XXXX. Being ripped off every month does n't feel so good. I have already paid these crooks over XXXX. I feel like walking away from my house. '' " Nationstar mortgage company is the worse I done business with " " They are the worst. We 've
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 34293
Submitted Via: Web
Date Sent: 2016-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-11-28
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: My loan was sold to XXXX and I have not received any information on how to make payments, including a new loan number.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 94521
Submitted Via: Web
Date Sent: 2016-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-11-27
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Nationstar credited my account with my full payment payment on the due date, but it also assessed a late fee and has started aggressive collection tactics to recover the late fee from me.
Company Response:
State: UT
Zip: XXXXX
Submitted Via: Web
Date Sent: 2016-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-11-23
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I am a veteran and am currently in foreclosure. I had to quit my job as I was not able to get my XXXX due to medical reasons. I then moved to California to get assistance in obtaining employment. My income was now minimum wage, then my XXXX took a spin for the worse and now I am doing XXXX three times a week. I now have no income and now I am going to lose my home. I have not been offered any assistance in keeping my home.
Company Response:
State: CA
Zip: 936XX
Submitted Via: Web
Date Sent: 2016-11-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-11-23
Issue: Application, originator, mortgage broker
Subissue:
Consumer Complaint: I am trying to refinance my first mortgage through my bank back in XXXX 2016. In the process they said they needed a subordination from my second mortgage lender to proceed. My bank filled out and sent the necessary paper work along with the {$250.00} fee for the subordination. The check was cashed by Nationstar but they continue to stall. I was hoping to refinance to a lower interest rate 3.75 % XX/XX/XXXX now its almost XX/XX/XXXX and they continue to stall and not respond. That new interest rate could have saved me {$200.00} a month on my payment. Now the rate lock expired long ago and rates have gone up. My bank has repeatedly emailed and called with them saying you will hear something soon then never respond again. I have called and emailed several times with no response. They should not be able to hold me hostage like this. Its my second mortgage and I have been paying it faithfully for years. I would have never expected this.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: WI
Zip: 541XX
Submitted Via: Web
Date Sent: 2016-11-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-11-22
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I am paying off my loan by making largish payments frequently to the company who bought my mortgage. XXXX had it before and now Nationstar Mortgage holds it. The problem is that they take payments for the future out of the principal payment every time. I have called them every time and talked to customer service agents, who are uniformly nice on the phone. However, the problem just does n't go away. I know that they are taking out interest fees for each payment that they have not earned yet. They fix it each time, so I know it is n't violating their own policies to pay off a loan early ( my loan does n't and never did have an early payment penalty ). I do n't know why it should be so easy for them to continue to do this to people. I think they should not be allowed to even be in this business. I have a PhD and have taught university courses that involved finance, compound interest, and payment schemes, and I know that this should be illegal, but apparently is n't. Most people do not have the time to call over and over about problems with this company. I would like to see them put out of business and money paid back to people who can not afford the fees and the hidden costs of doing business with them.
Company Response:
State: FL
Zip: 34667
Submitted Via: Web
Date Sent: 2016-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-11-22
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I just received a package today XXXX XXXX, XXXX from Nationstar Mortgage. The Package contained documents to be completed and return to Nationstar Mortgage in order to begin evaluation process for the Making Home Affordable Modification Program. They started by saying they receive inquiry for the Making Affordable Modification Program from me which I did not ; that is a lie. Nationstar sent me this same kind of package twice in the past in which I told them I did not seek inquiry about Making Home Affordable Modification Program. I applied for Making Home Affordable Program in XXXX and I was well qualified then for the program with XXXX XXXX Home Loan Corporation. In XXXX Nationstar became sub servicer to XXXX Bank, then the XXXX Servicer and eventually took over my XXXX Loan Modification. The modification is still in progress and never was concluded till this day. I have already been considered and qualified for the program in XXXX. It looks to me is a scheme to deceive me to sign me of my XXXX Loan Modification they took over in XXXX. They are playing hardball with me which they have been doing since XXXX. Nationstar have been trying hard to steer me off the XXXX Program in order to get their way. Attached is the letter and the documents they want me to complete and return. They are trying to make me look as if I am a new applicant to XXXX Program. I have been through XXXX extensions of Mortgage Modification in XXXX and XXXX already. This is another lie, and steering and playing of hardball are what they have been doing with me since XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 20176
Submitted Via: Web
Date Sent: 2016-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes