Date Received: 2016-08-19
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Mortgage company Nationstar refuse to send me itemized info about arrears and breakdown of XXXX dollars in coporate advance. They are already charging me extra monies for escrow and can not justify ir explain the corporate advance fees. Trying to reinstate my loan but they are not helping me to do so
Company Response:
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2016-08-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-08-18
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: On XX/XX/2012 I was awarded a permanent loan modification from XXXX. My Payments were to be $XXXX per month and I made all payments on time. After a few months, I started receiving late notices in the mail. I started an investigation with XXXX as to why I was receiving late notices and before the investigation was concluded, my servicing was sold to XXXX. I notified XXXX of the investigation with XXXX and they found the reason I was late was that XXXX had applied my first modification payment to my escrow account in error. Before that investigation could be finallized, my servicing was sold to Nationstar. I started an investigation with Nationstar to correct this and they told me their accounting is correct and I am 1 month behind on my payment, when I sent them proof of every payment ever made. They also added back on $XXXX to my principle that was forgiven as a result of the modifications stating I did not receive the foregivness after all because I am delinquent. I need help from someone that can do something about this. They have ruined my credit and cost me $XXXX because of bas accounting and laziness in looking into this matter.
Company Response:
State: CA
Zip: 91710
Submitted Via: Web
Date Sent: 2016-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-08-18
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: checking credit My credit has been reported delinquent 30, 60, 90, 120 days and it was supposed to be corrected. It is showing that this is over 10 years old. I spoke with my previous servicer, XXXX, and it was supposed to be corrected before it got moved to Nationstar. Nationstar continued to report delinquent when it was supposed to have been corrected.
Company Response:
State: CA
Zip: 91335
Submitted Via: Web
Date Sent: 2016-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-08-18
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I was let go from my job at XXXX, my job was moved to XXXX on XXXX/XXXX/XXXX. I looked for work in my field and i continue to do so but I coukldnt find anything with any salary close to that. I was making XXXX. I took a job as an XXXX XXXX, I am happy to be working but the pay is XXXX a year! So our income is down XXXX. I fell behind on my NATIONSTAR MORTGAE -it is a second mortgage at 10.75 % I have been paying XXXX a month since XXXX and ther balance is now XXXX on a XXXX loan! The company contacted me to say I ower all arrears noit just what I missed this year. I didnt know I was behind, They told me I was a year behind besides what I currently missed. I had been paying. I dont know where this extra year of being behind came from! I asked for a printout on my loan payment, they will not provide. I asked for a loan modification. I sent them documentation showing my hardship, they said I am not eligible. I tried to pay mothly payments in may - THEY SENT EVERY payment back and said, dont pay until you can catch up the full balance owed! I have this shown in my back - debit to Nationstar and they send it back! now i am father behind than XXXX and they will not work with me at all.
Company Response:
State: NJ
Zip: 08021
Submitted Via: Web
Date Sent: 2016-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-08-17
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: My mortgage company Nationstar is forcing me to pay 50 % higher monthly mortgage payments, even though I signed up for a FIXED 15 year loan. In XXXX this year, Nationstar has been demanding, that I pay my monthly mortgages into an " escrow account '' instead the usual " mortgage account ''. just because I was late paying my PROPERTY taxes last year, NOT my mortgages, which I paid always on time since the start of my loan 9 years ago. Their Escrow accounts are for future property debts. Since I have been paying my property taxes myself since the start of the loan 9 years ago, and was only late paying the property taxes once during that loan period, ( but am up-to-date ). why should I let Nationstar pay my property taxes from now on?, Obviously Nationstar does it, so that can demand huge upfront monies for future property taxes and higher monthly mortgage payments. In my case they are demanding XXXX -- for future property taxes and an increase of 50 % in my monthly mortgage payments, even though I 'm up-to-date with my property taxes and mortgage payments. I refused to be pushed into their escrow account and kept paying the same monthly mortgage payments. Nationstar retaliated by informing all credit rating agencies, that I had NOT paid my monthly mortgages for 5 months, which is an outright LIE. I paid the mortgages, but refused to pay their higher added-on monthly escrow fees and 50 % higher monthly mortgage premiums. Because of the blatant lie to the credit agencies by Nationstar, my previous excellent credit rating has dropped down to XXXX. Nationstar can not tell the credit agencies, that I did not pay my mortgages - that is an outright false statement. They can only state, that I refused to pay their added monthly exorbitant escrow fees, which is in dispute between us. .And because I supposedly have not paid my mortgages for the last 5 months ( which is a lie as I just mentioned ), they had the gall to start foreclosing on me too! Ruining my credit and now foreclosing? This should not be tolerated, I need help from your agency. My telephone calls got the go-around, my written communications got no response. Please read " XXXX '', enter Nationstar, and you 'll see, there are innumerable complaints against this company.. Nationstar is a predatory Mortgage company in my opinion, they seem to prey especially on elderly people like me, hoping they wo n't fight back. They make it impossible for mortgage holders like me, to protest or get into touch with a manager to resolve any dispute. It seems to be designed that way, please read other complains on " XXXX ''.
Company Response:
State: CA
Zip: 922XX
Submitted Via: Web
Date Sent: 2016-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-08-17
Issue: Taking/threatening an illegal action
Subissue: Seized/Attempted to seize property
Consumer Complaint: I have XXXX foreclosure case numbers none of them have given me the opportunity ti resolve the issue completely. First filed case numberXXXX Second filed case number XXXX Third filed case number. XXXX I 'm continuously threatened with litigation.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33462
Submitted Via: Web
Date Sent: 2016-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-08-17
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I have received two telephone calls in the last 18 hours from NationStar mortgage asking when my payment will be received. The payment is not due until XXXX XXXX, but the calls began on XXXX XXXX. This is my first month with NationStar, as my mortgage was transferred from XXXX. Out of force of habit, I paid XXXX the amount due, which cleared my account on XXXX XXXX. XXXX informed me that they would forward any errant payments for the next 60 days. However, the harassing telephone calls from NationStar continue.
Company Response:
State: TX
Zip: 75013
Submitted Via: Web
Date Sent: 2016-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-08-18
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: My Daughter and Son in Law 's mortgage loan with XXXX XXXX XXXX was being reviewed for a loan modification due to a hardship change when she received a letter from XXXX XXXX XXXX that said her mortgage was sold to Nationstar with no mention of her modification decision. She sent a new modification package to Nationstar explaining they would review her modification request. She faxed her new modifcation package to Nationstar on XXXX XXXX, 2016. I am an authorized third party who Nationstar has acknowledged and they still have not received her package and it 's been over 5 buisness days. Each representative has told me the internal review process is they would contact XXXX for her documents but her documents are stale dated they are way more than 90 days old to review that does n't make sense when the borrower/homeowner sent an updated package requesting a modification review. My first concern is how can XXXX sell her loan and not send a decision letter to the homeowner regarding the modification that was under review. My second concern is Nationstar not addressing the borrower 's request for a mortgage loan modification and willing to review stale dated documents..
Company Response:
State: OH
Zip: 44129
Submitted Via: Web
Date Sent: 2016-08-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-08-16
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: my escrow payment when up last year on the amount of {$1900.00} no one has been able to explain why and now my mortgage went up from XX/XX/XXXX and XX/XX/XXXX in the amount of {$30.00} and they are not giving me a clear explanation either. I believe that Nation Star Mortgage books
Company Response:
State: FL
Zip: 33020
Submitted Via: Web
Date Sent: 2016-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-08-16
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: On XXXX my mother took a reverse mortgage with XXXX XXXX. After that the loan was sold to Nationstar dba Champion Mortgage. My mother died on XXXX & Champion was notified on XXXX. They requested items that I faxed to them. They required letters of intent by specific dates but refused to provide the dates in writing. I was told that it was not their policy to provide this information in writing so I was forced to file a complaint with the XXXX to get it in writing. I have been cooperative in this process & have provided everything requested in a timely manner. The estate as required is providing property insurance, current on property taxes ; utilities are on & being paid ; the property is secured & inspected daily ; & the property is being maintained. On XXXX a letter of intent was sent to them indicating my intent to complete a deed in lieu of foreclosure ( DIL ). They were informed that all future correspondence and calls should be made only to my Attorney. They have been uncooperative regarding the DIL review & to letters and phone calls from us regarding the DIL & they continue to engage in deceptive & unfair practices with regard to the servicing of the mortgage. Their lack of cooperation & delay tactics are highlighted by a letter from them dated XXXX, postmarked XXXX & not received until XXXX. This letter required a response within 8 days from the date of the letter, by XXXX, or they would proceed with property preservation actions, namely foreclosure. It seems rather coincidental that their Attorney completed a Summons & Complaint initiating the foreclosure on the property on XXXX, the XXXX day of their XXXX letter. All were filed on XXXX but not served to me until XXXX. Their delay tactics are further highlighted by a letter dated XXXX from their Attorney to the estate but not postmarked until XXXX & not received until XXXX. On XXXX, the date of the filing of the Summons & Complaint, unauthorized agents representing Champion attempted to illegally enter the residence with the intent of changing the locks. They questioned a neighbor about the property & told him that it was in foreclosure. A further inspection of the property indicated they had forcibly attempted to enter the house so the police were called & complaint filed. They continue to insist that they be allowed to change the locks to the residence to secure the property and I am opposed to this. The initial documentation regarding the DIL process that they provided does not indicate that requirement, the original reverse mortgage documents do not have that stipulation & XXXX does not require it as a prerequisite to the DIL. If allowed to do this they would have unfettered access to the property while it remains insured by the estate. The estate would continue to insure property and not have access to or control over them or their agents accessing the property. If this were allowed to happen it would create a major liability issue for the estate. They have never provided a written request to access the property to determine its status. They claim that they have not completed any inspections of the property but copies of the monthly mortgage statements indicate that they have been made with the cost being added to the mortgage. They have been informed many times that the property has been vacated, is clean, secured & being maintained. The property was referred to foreclosure on XXXX despite that fact that a letter of intent was sent on XXXX stating that we were willing to proceed with the DIL & despite their XXXX letter indicating that the request for the DIL had been accepted into their program. Also, they have continued to contact me by phone despite my Attorney 's letters of XXXX & XXXX stating that all contact should be made directly to him.
Company Response:
State: NY
Zip: 12804
Submitted Via: Web
Date Sent: 2016-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes