Date Received: 2016-11-16
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: We have had a lot of trouble with Nation star mortgage. we had to hire a lawyer a couple years ago to resolve some issues. We have been making our payment within the standard period on the XX/XX/XXXX or XX/XX/XXXX of every month for years. every mortgage company has a deadline of the XX/XX/XXXX for payments. there are even financial advice columns about making sure you pay no later than the XX/XX/XXXX. after much research and a phone call with nation star i have discovered that this bank ( the only XXXX i can find ) actually has a 10 day period.. this company has been very confusing and hard to deal with. i have never heard or known of anybody who does n't know about the XX/XX/XXXX being the last day to pay. so even though they say now that there policy changed it is extremely shady and had we known we would have been paying on the XX/XX/XXXX. why would we always pay by the XX/XX/XXXX if we were knowingly late. so they give a grace period that is not the standard 15 days and now we are being forced to pay {$1800.00} in fees.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: WA
Zip: 98125
Submitted Via: Web
Date Sent: 2016-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-11-16
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Nationstar Mortgage , LLC is attempting an illegal foreclosure on our home! Nationstar mortgage willfully and intentionally misappropriated funds that were actually WITHDRAWN FROM OUR BANK and processed via Nationstar 's merchant processing, XXXX XXXX then assimilated into Nationstar XXXX account, held for months, then reprocessed into a Nationstar generated check and mailed back to borrower with no prior warning, threat of detrimental action NOTHING! XXXX {$2200.00} SUBMITTED BY BORROWER, PROCESSED BY SERVICER NATIONSTAR, MONEY HELD IN LIMBO AND NOT APPLIED TO XXXX!!! ) Money held by Nationstar for XXXX months causing not only a delinquency but withholding said FUNDS PAID from XXXX is a criminal offense for a mortgage servicer who takes on the responsibility of an FDCPA regulated collection agency, mirandizing borrowers while scantly servicing mortgage needs. Nationstar has proven that it is in their financial interest to force defaults on borrowers, which in turn fuels their fraudulent collection practices, accruement of late charges and fees, immediate property inspections as well as new XXXX XXXX policy requirements to fit their profit structure. All alluding and subversive with regard to nationstar Investors knowledge of unfair business practices Your intermingling of HUD guidelines via mortgage servicing with FDCPA collection guidelines under the same umbrella should be seen as a conflict of interest and is an issue for the Consumer Financial Protection Bureau, FTC to examine as well as the XXXX Treasury Department. Being that Nationstar 's collection and mortgage servicing are based in the state of Texas this constitutes XXXX commerce efforts into the state of Nevada. Nationstar Mortgages ' attempt ( via FRAUDULENT debt validation letter from CLEAR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX Ph : XXXX ) to VALIDATE and accelerate debt in the amount of $ XXXX foreclose on this property ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nv XXXX ) IS AN ILLEGAL ATTEMPT TO FORECLOSE WHERE THEY HAVE NO STANDING! This debt was challenged by way of debt validation demand immediately following Nationstar 's acquisition of servicing responsibilities from XXXX XXXX XXXX by XXXX XXXX dated XXXX XXXX 2013 sent certified mail to Nationstar Mortgage. NATIONSTAR FAILED TO RESPOND WITHIN 30 DAYS! To this day 34 MONTHS LATER Nationstar has n't so much as responded to DEBT VALIDATION submitted by borrower PERIOD! Proof of receipt can be proven in several ways. Should Nationstar be truly interested in keeping the homeowner 's in their home We have included multiple guidelines established by XXXX that Nationstar still has the option to exercise that can save this home from a XXXX drawn out foreclosure and legal battle
Company Response:
State: NV
Zip: 89178
Submitted Via: Web
Date Sent: 2016-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-11-16
Issue: Settlement process and costs
Subissue:
Consumer Complaint: A man living w mom helped her do modification on mortgage. He provides no loan documents and mom is XXXX XXXX XXXX so when i acted like i had proof of wrong doing he purchased a car and ran, came back then i got some paperwork saying she was paying a " note '' not a mortgage and she has to go by loan docs ( not att ) and interest is almost 5.5 % she saves nothing now 2 weeks behind again. She had to do XXXX trial payment sessions. All info on house is unsearchable and sh is listed XXXX different ways, no mid initial, mid initial C, and mid initial W. please help we have no money for atty
Company Response:
State: TX
Zip: 76018
Submitted Via: Web
Date Sent: 2016-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-11-15
Issue: Settlement process and costs
Subissue:
Consumer Complaint: I am a homeowner who had a fire on XX/XX/2016, complete rebuilding of my home, XXXX XXXX held my money, then later sold it to Nation Star Mortgage out of XXXX, we had an inspection 5 weeks ago and they will still NOT release our money to keep building. I am from XXXX and the weather conditions in the northeast could really hurt us if we do not get this finished, we were written up at that time being XXXX % done and we gave Nation Star everything they have asked EXCEPT the contractor 's license because in the state of Massachusetts the homeowner can be the contractor and sub contract everything out, they said flat out they will NOT release my money to me unless we hire a licensed contractor. In my opinion, this fraud, extortion, they have no right to hold MY money. They said it was their policy but they had no proof to show us, even if it was their policy the XXXX law states we do not need a license. XXXX who had our original mortgage when the house burned, had no problem releasing money to us. I do n't know how Nation Star can get away with this ... .we have lost time from work my husband put his job on hold to get this house done before the cold weather comes and NOW we have these people just hold our money just because they want to .... we are at our wits end and do n't know where to turn, please help. I have had XXXX since the fire, my husband probably will not have a job to go back to because we are now 8 weeks behind schedule and my children have been jeopardizing their jobs to try to call these people ( who customer service speaks hardly any English ) I have never been late for a mortgage payment. I have a high credit score and now they are forcing me to make bills that I should n't have to make now.
Company Response:
State: MA
Zip: 027XX
Submitted Via: Web
Date Sent: 2016-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-11-16
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Our home was serverly damaged as the result of a flood caused by a broken water supply line during our spring break vacation XX/XX/XXXX. We immediately contacted our Insurance company then shortly after our Loan Servicer Nationstar Mortgage. Our homeowner 's insurance company has issued a claim check which we have endorsed and forwarded to Nationstar as instructed. As of today Nationstar refuses to release any of the claim funds for repairs of our home. Our account is in good standing and we feel they have no grounds for holding these funds. We have been arguing with Nationstar for several weeks and getting nowhere. Nationstar is unwilling to release these funds unless we are to hire a licensed general contractor. We have explained to them that we are not going to hire a general contract and that we will be performing repairs ourselves as " owner builder ''. We have gone as far as to provide Nationstar with copies of the City of XXXX Building Department issued " owner builder permits '' as well as a copy of the Nevada NRS statues 624.031 but still they refuse to release funds and allow us to proceed with repairs. As previously stated we have been dealing with this issue for several weeks and have been asking for them to give us a written explanation for withholding these funds or written explanation as to what they are requesting before releasing the funds. Nationstar refuses to give us anything in writing. They also refuse to give us an email address which is preventing us from documenting our exhausted efforts in resolving this matter. Additionally, they have refused to provide us with the name and contact information of our mortgage loan investor. After several weeks and many hours of calling and wasting our time with different representatives they tell us verbally our request for release of funds for repairs is denied due to state Law regulations as they claim I am required to use a licensed contractor. We keep telling them they are WRONG! -XX/XX/XXXX Submitted to Natiostar Insurance claim checks XX/XX/XXXX Provided them with City of XXXX Owner Builder Permits. XX/XX/XXXX Faxed them Nevada Revised Statue Code NRS 624.031 paragraph XXXX where it clearly states exempt for owner builder of primary residence. XX/XX/XXXX Sent them page XXXX of my signed Deed of Trust and pointed out Paragraph XXXX where it stipulates the procedure in the event of a loss. Nowhere in my agreement with lender did it require for the use of a licensed general contractor for the repairs of my home. We have asked to provide us in writing their specific request for the use of licensed contractor as well as a denial letter. They refuse to give us ANYTHING in writing. We have asked them to provide the state law they claim requires the use of a licensed contractor. They say they do n't have it. They refuse to provide us with the name and contact information to the investor of our loan. How can they do that?? My wife, XXXX children and I have been displaced from our home for several months now and we have done the best we can in upfront the cost of repairs, but at this point we are running out of our own funds and Nationstar is now delaying the re-construction of our home. XX/XX/XXXX will be the last month our Insurance company will pay for relocation rental and after this date we will have to pay out of pocket. Our current mortgage balance is only half of what our property was last appraised in XX/XX/XXXX, after re-construction and with the improvements we are increasing the value of our house by XXXX. It is unfortunate that we have to deal with a third party-servicing company who has taken control of the insurance claim funds and has implemented their own regulations outside our loan agreement with the Lender and outside State Law regulations. We ask that someone help us/guide us in getting our situation resolved.
Company Response:
State: NV
Zip: 89015
Submitted Via: Web
Date Sent: 2016-11-16
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-11-16
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: undisclosed fees from my mortgage company showed up on a statement, when I called to question them .... they said they were fees dating back since 2011 for driving by my home to see if it was still occupied even though I have always made the payments.
Company Response:
State: WI
Zip: 535XX
Submitted Via: Web
Date Sent: 2016-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-11-14
Issue: Application, originator, mortgage broker
Subissue:
Consumer Complaint: nationstar mortgage fraud and illegal debt collection practices. trying to foreclosure and suing under XXXX on a mortgage loan that was settled in XX/XX/XXXX by XXXX through their law firm when we informed then they just keep trying to collect what we believed to be a settled debt recorded in the public record and for 3 years they did nothing either in court or through XXXX to address the situation until now after the filing a lawsuit for a property they claim to be the servicer of but county records show was assigned ( sold ) to them after we were informed the debt was satisfied in XXXX XXXX the fraudulent activity by all the parties from origination in XXXX to present false information with the court filing should be invested to see who to bring criminal charges against. will not provide the closing documents to show who ( XXXX ) funded this loan if it was funde at all? charges to maintain a property I live in and they do not maintain it I do, charges for property inspection, some mouths shows two or more of these charge.
Company Response:
State: FL
Zip: 32725
Submitted Via: Web
Date Sent: 2016-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-11-14
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Nationstar provided a HAMP modification to my primary mortgage, XX/XX/2013, with a provision they failed to deliver : XXXX Rev XXXX says and I received the " annual incentive payment of up to {$1000.00} for the first XXXX years after the loan modification. '' However, despite XXXX Rev XXXX saying " In addition, once your loan is permanently modified, you may be eligible to have some of your principal forgiven on a deferred basis. So long as your modified loan remains in good standing, we will forgive {$49000.00} of the principal balance of your loan each year on the anniversary of your first trial period payment date for XXXX years. '' that provision has been ignored, despite never missing a payment, remaining in good standing and several attempts to communicate the desired principal reduction XXXX my house is still underwater XXXX years later XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NM
Zip: 875XX
Submitted Via: Web
Date Sent: 2016-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-11-14
Issue: Application, originator, mortgage broker
Subissue:
Consumer Complaint: My mortgage company is Nation Star Mortgage i tried to refinance my mortgage to find out when a credit check was performed Nation Star has on my credit report that i have a home equity loan on my first mortgage i do not i took out a home equity loan for XXXX dollars XXXX XXXX company it was paid off i explain the to Nation Star. XXXX transferred my loan to XXXX almost two years ago i do not know if they have me mixed up with someone else i told Nation star the problem and i have been getting the run around from these people. I can not get any kind of help with my mortgage until they straighten this mess out i have the documentation that my loan was paid off and i ask Nation Star to show me where i signed for an first mortgage they could not i need help with these people they are difficult to work with.
Company Response:
State: IL
Zip: 60617
Submitted Via: Web
Date Sent: 2016-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-11-14
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: XX/XX/2016, my mortgage was transfered from XXXX to Nationstar. XX/XX/2016, less than 30 days of taking ownership, Nationstar sent a notice of loan default. The XX/XX/XXXX payment was made to XXXX prior to receiving an account number from Nationstar. I have been receiving debt collection calls from Nationstar demanding a late fee as well as a payment that was made on time to XXXX.
Company Response:
State: CT
Zip: 068XX
Submitted Via: Web
Date Sent: 2016-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes