Date Received: 2016-10-20
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: Working with Nationstar, I was approved for a loan modification. The paperwork they gave me stated that the initial payment would begin on XXXX/XXXX/2016. And I made that payment. However, on XXXX/XXXX/2016, I received notification that the house was sold on XXXX/XXXX/2016. Now, according to records, my home belongs to Nationstar. Please see the attached documents. Please help me.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 331XX
Submitted Via: Web
Date Sent: 2016-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-10-20
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: NationStar purchased my mortgage. The initial communication was via phone. I had to request the documentation regarding the transfer because I did not receive the letter from my previous mortgage holder or NationStar. NationStar continued to harass me for payments even though I said I would pay after I confrimed they were the new holders of the loan. I told them to no longer call me as I have received 15+ phone calls asking for money. The last time I spoke to them via phone I told them if they call me again regarding payment before I can review the documents, I would file d a complaint with the CFPB regarding the transfer and my request to no longer received phone calls. They have also sent text messages to my phone which is also a violation of the communication of this debt as other people can see my phone when these text messages pop up.
Company Response:
State: PA
Zip: 19087
Submitted Via: Web
Date Sent: 2016-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-10-20
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: My mortgage was transferred on XXXX XXXX from one servicing company to another. However, my house was sold and the closing is scheduled for XXXX XXXX with the title company. This scheduling was done several weeks ago without any prior knowledge of the impending loan transfer. I received the letter of transfer on XXXX XXXX and when I contacted both servicers to receive a payoff statement, neither of them are able to provide it to me. The previous servicer says that the loan is already transferred and they do not have a way to send me a payoff statement anymore. The new servicer says that the loan boarding process is not complete and until it is in their system, they can not provide me with payoff statement or anything else related to the loan. Without this payoff statement, I will neither be able to close the sale of my current home on XXXX XXXX, nor close of the new home I am moving into which is scheduled for XXXX XXXX. This results in penalties on both contracts, as well additional charges related to change of schedule for movers, furniture delivery arrangements, utilities and various other logistics involved in moving from one house to another, not to mention the immense stress this is causing me. I feel that, as a consumer, I should n't have to suffer or deal with consequences that are a result of a loan servicing transfer between XXXX banks.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2016-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-10-20
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I was approved for a trial loan modification payment plan and informed by letter dated XX/XX/2016 from Nationstar Mortgage. On XX/XX/2016, 30 days before that, my loss mitigation application was complete. I had received and responded to a letter dated XX/XX/2016, and by XX/XX/2016, had received no further notices of incomplete file. Nation- star filed a judgment of foreclosure against me on XX/XX/XXXX, and the Foreclosure Commissioner contacted me after my trial payment plan was approved and wanted to start setting dates for open houses ahead of a foreclosure sale he was planning. By that time I had paid XXXX of the XXXX trial payments, but Nationstar would not stay the judgment. Today, I have authorized the XX/XX/XXXX ACH payment for my XXXX trial payment, and Nationstar is refusing to stop the foreclosure on my home. The Commissioner has the authority to take possession of my home and has agreed only to postpone for 90 days the publication of open houses and setting the sale date for the foreclosure auction on my home. Nationstar is proceeding against me, even though it has taken XXXX payments and is preauthorized to take a XXXX. The commissioner is XXXX XXXX, Attorney at Law on XXXX, and the attorney refusing to petition the court to stay the judgment is XXXX XXXX of XXXX Hawaii XXXX. XXXX XXXX has stated he will not agree to stay the judgment, and Nationstar will not authorize its Attorney XXXX XXXX to petition the court to stay this judgment, so XXXX XXXX continues to accrue fees and costs. I am worried because Nationstar is still in a position to take my home from me if the Commissioner chooses to take possession, change the locks, and store my personal property, because Nationstar 's court order allows him to do this, and the Commissioner has refused to agree to any stipulation other than simple postponing setting the sale date. He can take my house at will, and this is Nationstar 's responsibility. The judgment should never have been filed, because I had a complete file at Nationstar when Nationstar filed its judgment against me.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: HI
Zip: 96816
Submitted Via: Web
Date Sent: 2016-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-10-19
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I am victim of Mortgage Fraud perpetrated in 2007. I was approached in 2007 to invest in some real estate properties. I closed on XXXX properties the same day, as I was told that they were " bundled properties ''. The agent that contacted me during his investigation mentioned that that should have been my first " red flag '', as you can not close on that many properties at the same time due to income and credit verification. Loans were closed for a certain amount, and Title company took thousands of dollars without me knowing in my name from a bank account. The agent suggested I contact an attorney. After speaking to the Asst. US Attorney in Ohio, i received a letter that the mortgages were fraudulent. I contacted the all XXXX mortgage companies to get some kind of resolve, as I am not in a position to keep the homes. I am seeking your assistance as I would like to get a mortgage histories erased from my credit report. I 'm in the process of getting a Deed in Lieu for all of the properties.
Company Response:
State: VA
Zip: 22041
Submitted Via: Web
Date Sent: 2016-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-10-19
Issue: Application, originator, mortgage broker
Subissue:
Consumer Complaint: We are sending this information to you in reference to all of the illegal, and criminal activities of the Bank of New York Mellon F/K/A The Bank of New York XXXX. You should know that this has been a very long and drawn out case over the years since 2007, because of multiple law firms hired by the Bank of New York consistently practicing criminal behavior maneuvers on us as well as the many courts involved for this case. Therefore, we will try to keep this complaint as short as we possibly can without injury to ourselves. To begin we went to the closing table with {$130000.00} of our hard earned money the day of closing not expecting to be defrauded by XXXX XXXX and their closing attorney but we were and here is how. 1 ). XXXX XXXX XXXX XXXX, Texas was not registered with the XXXX XXXX to do business in the state of Virginia as a loan broker or to do business in any capacity with the citizens of Virginia! This is called " embezzlement '' or " theft '', either way, it is a Federal offense, criminal and not civil. 2 ). XXXX XXXX then secured a loan for us for the remanding {$490000.00} which was attached to a Deed of Trust and Note that were Illegal and Fraudulent because these documents were filled with XXXX ( XXXX ). Same Illegal XXXX scam that DOJ, XXXX XXXX, XXXX XXXX, and The Consumer Financial Protection Bureau has been compensated for by the XXXX and has not trickled down to American Citizens such as myself to date. Therefore, we were fraud victims from the beginning at the closing table according to the law. Look up the U.S. XXXX XXXX Appeals Court recently ruled in a case very similar to our situation, namely in the case of " XXXX XXXX XXXX XXXX '' ; the Appeals Court opinioned : " ... XXXX cognizable injury occurred when she purchased the loan not upon payment of XXXX-affected interest. '' 3 ). We unknowingly purchased an illegal XXXX SIX MONTH ADJUSTABLE RATE LOAN, by XXXX XXXX XXXX XXXX XXXX, herein after XXXX ' ( LOAN # : XXXX ). XXXX ( now a defunct and expired corporation ) was a XXXX License holder - granted by the XXXX ( XXXX ), the creator and XXXX XXXX of XXXX. Due to the illegal 'Rigging/Manipulation ' of XXXX XXXX ( as demonstrated in the XXXX XXXX XXXX CONVICTION CASES ), all U.S./American Consumers were damaged when they signed the Notes/Deeds of Trust for these illegal financial products. We made several notices to XXXX XXXX, their XXXX XXXX partners, Substitute Trustees, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, et al, that the subject ILLEGAL XXXX Loan was " Void XXXX '', and therefore immediate 'Rescission ' of said loan was required. These demands were all willfully and illegally ignored by all named parties, with the assistance of the " XXXX XXXX-in-house-conspirators, et al '', who all had full knowledge of the mandates made by the U.S. Supreme Court in the " XXXX XXXX XXXX XXXX XXXX, XXXX '' decision.
Company Response:
State: VA
Zip: 23322
Submitted Via: Web
Date Sent: 2016-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-10-19
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I have a deed of trust been service by XXXX and the investor XXXX XXXX around XXXX 2016 XXXX informed me the deed of trust it will be transfer to Nationstar Mortgage, This suddenly transferring of the Service it sounds to me a bit strange. When I started to ask XXXX for the XXXX payments I did on the deed of trust did n't reflect the correct balance. So I did send A QWR to XXXX Mortgage and Nationstar Mortgage dated as XXXX XXXX 2016 thru XXXX mail, XXXX answered it partially However Nationstar advised me on a letter they will have a full Answer by XXXX XXXX 2016.However up to date I have n't received anything on regards which it makes Nationstart Mortgage violated under RESPA due to the servicer 's noncompliance I 'm entitle to damages not to exceed {$2000.00}. I received instead from Nationstar Mortgage an Monthly Payment statement for the Month of XXXX demanding payments for XXXX and XXXX 2016, I called Nationstart I spoke with a Supervisor name XXXX employer id XXXX I asked her about this How come Nationstar Mortgage does n't answer my QWR and instead after the deed of trust got transferred from XXXX to them " You are demanding payment I was not aware for the month of XXXX 2016 '' .She could n't answer me. I made aware her to note it my account I will make payment for the month of XXXX forward which I did it also I will make for the month of XXXX which I already made.However NationStar have chose to keep ignoring my QWR and instead they sent me XXXX letters XXXX from XXXX XXXX and another XXXX from XXXX XXXX thru certified mail demanding payment for the month of XXXX and XXXX called Nationstar Mortgage I demanded to speak with a Manager on this matter I spoke with XXXX XXXX whom asked me to have payment proof for the month of XXXX 2016, I told him first Nationstar Mortgage need to answer my QWR and its already violating for non compliance and I been owed by them {$2000.00} also I told him he needs to put a note on my account I would report this matter to the CFPB and I would add another violations done by this Alleged servicer as Unjust Enrichment, Assigning themselves the title of Servicer, '' servicing the deed of Trust instead to be assigned by the investor XXXX XXXX. I have to noted for the record I 'm attaching an email received from XXXX XXXX the investor as XXXX XXXX 2016 showing XXXX XXXX as my current Servicer and not as Nationstar Mortgage has been stated on the letters before Affirming they are the Current servicer on this deed of trust having these type of contradictory documents I can assume I been mislead and fraud on this deed of Trust by XXXX XXXX and Nationstart Mortgage. I would like to have a US Regulator to look into my matter and to stop any late charges or report of any credit on this deed of trust to credit the agencies until it gets clear.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 91324
Submitted Via: Web
Date Sent: 2016-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-10-19
Issue: Application, originator, mortgage broker
Subissue:
Consumer Complaint: I applied for assistance in saving my home with Nationstar Mortgage. Nationstar is now evading/refusing to review my loan for assistance stating that I needed to correct what I wrote on my application for my retirement income. I also hired an attorney to help me with the process and my attorney states Nationstar can not evade reviewing me for assistance over one number written on my application that is {$30.00} off from the actual income I receive. My attorney has submitted everything they need to review me for assistance and then called Nationstar and Nationstar is demanding I fill out another entirely new RMA and correct one number I estimated on the original application and was off by {$30.00}.
Company Response:
State: CA
Zip: 92504
Submitted Via: Web
Date Sent: 2016-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-10-19
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Nationstar Mortgage transferred our mortgage as of XXXX XXXX ( though the customer service agent reported it was as of XXXX XXXX ). On XXXX XXXX, I received a notice of preforclosure via certified mail from Nationstar dated XXXX XXXX.
Company Response:
State: WA
Zip: 98272
Submitted Via: Web
Date Sent: 2016-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-10-20
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, California XXXX XXXX, XXXX XXXX XXXX Addition to XXXX XXXX XXXX XXXX, 2016 Letter Notification Dispute Claim of Due Cause For Foreclosure This Is A Complaint Dear Sirs / Madams First This Is To Notify of Dispute To The Filing Of Foreclosure / Legal Cause To Proceed -- The Following Points Establish Due Cause To Forestall The Claim Of Due Cause For Foreclosure : 1 ) In The Subject Of A Contract -- It Is Established Law That In Order To Have A Contract Between 2 Parties / There Must Be A Meeting Of The Minds -- An Understanding of Terms / Agreements / Conditions / Regulating Laws-Codes -- It Is With The Understanding That Myself And Now Deceased Husband Were Purchasing A House ( listed / Described Above ) For The Period Of 30 Years On An Amortized Loan- Where The Payments Reduced The Original-Sale / Principal To Establish Sole Ownership In The Above Mentioned Time Frame -- Of ALL The Loans / Service Arrangements 2 Date -NOT ONE HAS BEEN OF THAT TYPE. 2 ) In Order For A Loan / Contract To Be Legal -- It Must Follow The Laws Governing Those Aforementioned Contracts / Agreements / Terms Conditions Contained within The Same -- -- Each Of The Loans Provided Do Not Follow The Laws Governing -- -- Interest Only / Neg Am / Option Arms / Variable Rates / Balloon Payment -- -- Moreover From Inception The Loans Were Illegal /In Multiple Respect -- Although Monies Have Been Paid Regularly -- The Payments Did Not Credit The Proper Source -- -- As Predatory Lending Requirements Were Noted / logged In Some Documentation / It Has Been Established That There Was Prior / Knowledge -Intent To Commit A Crime / Fraud In The Amount Qualifying As A Felony -- 3 ) -- As The Owner Was Lead To Believe That Each of The Servicing Adjustments Were Loan Modifications -- The Clear Intent To Defraud / Commit A Crime Qualifying As A Felonious / With Intent To Allow The Owner To Produce Regular And Large Amounts Of Money With Intent To Practice Procedures intent On Illegally Procuring Her Property Adds Additional Crimes Against In Serious Categories. 4 ) -- Following The Fed Prosecution Of The US Banks -- It Has Been Clearly Established That -Variable Rates / Option Arms / Balloon Payments / Rates Exceeding The Established / interest Only / Negative Amortization Laws Are And Were FRAUDULENT / PREDATORY / MISLEADING / CRIMINAL / AND DANGEROUS, NOT ONLY TO THE ECONOMY OF THE UNITED STATES OF AMERICA , BUT THREATENING IN REGARDS TO INDIGENOUS CONTROL / CONTRIBUTION AND THEREBY THE SECURITY OF THE UNITED STATES OF AMERICA. 5 ) -- AS THE FORECLOSURE GENERATED IS BASED ON THESE ILLEGAL LOANS -- THUS ANY FRUITS OF THOSE CRIMINAL TERMS-ARE IN CORRELATION-ILLEGAL AS WELL. 6 ) -- AS THE ORIGINAL SOURCE OF THE DEBT PURPORTEDLY CAUSING FORECLOSURE HAD KNOWLEDGE OF THE PAST AND CURRENT RULES / REG 'S AND LAWS - IT HAS BEEN ESTABLISHED BY YOU 'RE INTENT OF PREMEDITATED FRAUD / CRIMINAL ACTION IN THE EXCEEDS OF FUNDS QUALIFYING AS FELONIOUS / -- AS YOU HAVE CREATED AN EXTREME HARDSHIP ON THE PROPERTY OWNER -- A SINGLE-WIDOWED-FEMALE -- FALLING UNDER THE XXXX -- YOU HAVE COMMITTED OFFENCES VIOLATING CIVIL / CONSTITUTIONAL AND OTHER -- WITH COMPOUND OFFENCES FOR ATTEMPTS TO ALTER THE LIVING ARRANGEMENTS - TO DETRIMENTAL AND THREATENING / AS YOU HAVE AFFECTED / TAKEN MEASURES TO DAMAGE THE ABILITY OF OWNER TO GAIN SAFE INSULATION AND RESOURCE BY DAMAGING THE CREDIT NECESSARY FOR SURVIVAL -YOU HAVE COMPOUNDED ALL THE AFOREMENTIONED CRIMES / OFFENSES -- 6 ) -- As The OCC / Dept of Tes / Dept Of Justo / GAO-FBI / XXXX States Attorney Generals -- Finding By The Supreme Court -- YOU HAVE COMMITTED WILFUL OBSTRUCTION OF JUSTICE AND SHOWN A MARKED DISRESPECT FOR ALL OF THOSE ENTITIES / 7 ) -- As The Owner Has Paid On This Property In Excess of 30 Years - And The Entities Claiming Debt In Amount To Justify Justify Foreclosure
Company Response:
State: CA
Zip: 94804
Submitted Via: Web
Date Sent: 2016-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No