Date Received: 2016-08-09
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Our home is in an active Bankruptcy ( BK ) XXXX filed in 2011. Our trustee has made payments to this account for nearly five years. After requesting a loan modification from XXXX, BUT did not accept their terms, and declined this modification. However, Nations Star was ready to approve the modification, although the terms would have placed us in a 40 year loan! Once this modification was rejected, it took several calls and several months before it was removed from our account, which increase our payments to an amount we could not afford. As of today, our trustee has made payments excess of {$60000.00}. We have made over 10 calls and have always gotten totally differerent answers and frequent transfers. While going into BK, our payment was {$1000.00}. We 've paid our own home owners insurance AND taxes are on a XXXX exemption status. Nationsstar completely disregarded the exemption and sent payments for taxes, although the taxing authority has since returned those funds. We would like Nation Star to return our account to the status of actively making timely payments without an escrow. A posting of payments to our mortgage should be current and up to date, however funds that were paid have not been accounted for and we are requesting a complete investigation and recovery of funds.
Company Response:
State: TX
Zip: 770XX
Submitted Via: Web
Date Sent: 2016-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-08-09
Issue: Settlement process and costs
Subissue:
Consumer Complaint: AfernoonMy nameis XXXX XXXX XXXX XXXX XXXX XXXX, florida XXXX I have filed a complaint in the website before. About the mortgage company which auction off my home without notifying me. I filled a motion at the courts for the mortgage company to address the injustice which they have done to me and many home owners. receive a letter from XXXX XXXX reference XXXX. CFPB case Number XXXX the mortgage company has not helped me now i have receive a letter from the court that ( Defendant objection to foreclosure sale and motion to stay final judgement pending appeal is hereby overuled. The Clerk of court is directed to issue the Certificate to Tile to Deutsche Bank trust company americans as trustee for XXXX Pass through Certificates XXXX on order at XXXX County, florida XX/XX/2016 is XXXX XXXX. I NeVer received any documentation to appear at court on any hearing i was not notified this was illegally done. through the lawyers, court, ( this is the address for the bank lawyers XXXX XXXX XXXX, XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, fl XXXX ( XXXXXXXXXXXX ) Now i am in a situation school will be starting XXXX XXXX for my children and i XXXX not have a home for my family. XXXX letter states that no later than XX/XX/XXXX they would reply to me and inform of the status of assisting me they did not send me any notification of any help. XXXX letters states that our goal is to provide a response no later than XX/XX/2016. we have not received any notification from them until today XXXX XXXX we have received the Objection letter from the court ( Ordered and Adjudged ) defendant 's objection to foreclosure sale and motion to stay final judgement pending appeal is hereby OVERRULED ) the clerk of court is directed to issue the certificate to tile to deutsche bank trust company americas as trustee for XXXX pass through certificates XXXX Sincerely XXXX XXXX XXXX XXXX
Company Response:
State: FL
Zip: 33897
Submitted Via: Web
Date Sent: 2016-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-08-09
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: XXXX XXXX XXXX has breached XXXX remod loans the XXXX accepting my payments for 6 months on the XXXX then stating they had no record of my trial on file placing me in foreclosure I hired an attorney to later get another remod in place after my XXXX payment they did the same all payments were made in person at a XXXX XXXX XXXX branch on the XXXX payment the teller would not accept my payment stating the system showed a different amount due I showed my paperwork indicating my amount due I tried contacting them to be told in XX/XX/XXXX my loan was sold to another company I had to wait for a new loan number and contact package. When received was told I was in foreclosure I hired another attorney to help only now to be told the new company will not work with me and will lose my home of 22 years.
Company Response:
State: FL
Zip: 342XX
Submitted Via: Web
Date Sent: 2016-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-08-08
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: Nationstar is in violation of CA Homeowner of Bill of Rights and guilty of acting in bad faith for denying borrower their legal right to do a short sale when they countered the offer without giving buyer anytime to respond to the offer. They simply countered the offer and then closed out the request which is acting in bad faith in a real estate transaction as buyer must be given time to answer counter and illegal under the CAHBOR since they are denying short sale when they denied buyer their right to answer counter. Nationstar is also in violation of anti dual tracking CA laws for having a sale date on a property when borrower is seeking foreclosure alternative programs. Dual tracking is not limited to modification nor does CAHBOR state that a short sale must be " approved '' in order for dual tracking to be illegal. Finally Nationstar is on the record as lying stating seller cancelled short sale transaction immediately after buyer was countered that is a complete lie. Lender closed out short sale denying buyer their legal right to counter. Violation of Real Estate contract law. When Nationstar countered they entered into contractural negotiations.
Company Response:
State: CA
Zip: 95020
Submitted Via: Web
Date Sent: 2016-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-08-08
Issue: Settlement process and costs
Subissue:
Consumer Complaint: Refinanced Home Equity Mortgage. Payment was sent to previous lender in the amount they specified. I have since received a bill requesting an addition {$100.00} to {$190.00} dollars to close the account. The payoff payment sent was for {$23000.00} and the last Nationstar statement balance was {$23000.00}.
Company Response:
State: PA
Zip: 15108
Submitted Via: Web
Date Sent: 2016-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-08-05
Issue: Credit decision / Underwriting
Subissue:
Consumer Complaint: I applied for a assumption with Nationstar Mortgage on XXXX XXXX, 2016 and as of today 's date they can not tell me whether I 'm approved or declined. I have submitted the documents requested more then once, changed the contract dated per the mortgage lender with Nationstar because it is out dated, and I signed disclosure as of XXXX XXXX, 2016 which I believe they are out of compliance. I have tried to speak with a supervisor of which no one can give me a name or number at the XXXX number or this mortgage lender. The original mortgage lender is now out of the picture and another person has stepped in. This person has asked for information that I has already given them and they still tell me that the wait time for a approval is 30 days from todays date XXXX/XXXX/2016.
Company Response:
State: CA
Zip: 95682
Submitted Via: Web
Date Sent: 2016-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-08-05
Issue: Credit decision / Underwriting
Subissue:
Consumer Complaint: In applying for a mortgage for my new home, it was brought to my attention of an old mortgage collection with two different mortgage companies that are actively reporting to my credit report from XXXX. Aurora Bank # XXXX is reporting with XXXX and XXXX XXXX XXXX & XXXX # XXXX with XXXX. Both of them have the exact same loan amounts, open dates and past due balances. When attempting to reach XXXX Bank, no one single number listed on the report or internet work. All numbers ring until disconnect or just hang up. With XXXX XXXX, when I call they can not locate any file under my social, name or address yet they are still actively reporting to the bureaus. These accounts have now dropped my credit score over XXXX points and I no longer qualify for my mortgage that was set to close on XXXX/XXXX/2016. My disputes with XXXX and XXXX have yielded no results and I can not obtain a reasoning for this. Please help me with the removal of these accounts as I have never owned a home in my life and am trying to obtain my first one this month.
Company Response:
State: FL
Zip: 33133
Submitted Via: Web
Date Sent: 2016-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-08-05
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: We have submitted the loan modification review for my property. However, the lender was denied and did not give us any types of modification. Since we are facing with hardship and want to sell the house under short sale. We have submitted the other request for short sale after they denied loan modification. We have submitted on XXXX XXXX, 2016 and got offer. We have tried all best to comply with lender as they expected. They forced us to sign the auction agreement with XXXX. We had signed and just a matter we need help to move on with our life for short sale and relocation assistance. However, the lender called my agent today XXXX/XXXX/2016. They told my agent that they denied our short sale because the sale date is coming XXXX/XXXX/2016. They said that I did not submitted the short sale request on time. It look like I will be in trap as other victim homeowner to be foreclosed soon with NATIONSTAR MORTGAGE. As the short sale submission, that we requested over 45 days before foreclosure sale date, they did not help us and claimed on not sufficient time. OMG, what did the lender do for my file since XXXX XXXX to now. They have sent XXXX appraiser out and we did follow and now no time. Wait a minutes, is it right to do that and kick us out of our house and sell the house for their internal investor? I am having bad experiences with Nationstar since my attorney told me before that my mortgage was making wrong at first place and cause to my mortgage keeps increasing. The bank did not access my mortgage and income documents correctly and now they did not help and just want to foreclose. I never want to foreclose my house and want to keep it. However, it is not my fraud and its bank fraud and did not check what did the mortgage broker and loan officer while they were taking my application. Our income was inflated and we did not know they cheat on us. Now, they dont take responsible and just want my house and kick us out. Is it fair for us? We need somebody to judge on my account and help us to bring the fishy to light. They must either help me with affordable payment or short sale in peace.
Company Response:
State: CA
Zip: 95020
Submitted Via: Web
Date Sent: 2016-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-08-05
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: The mortgage company continues to charge my account for not having insurance. However, I faxed proof of insurance to the company and the insurance company notified the mortgage company that an active policy. After several conversations, the company continues to charge my account for not having insurance. Further, the company continues to conduct an analysis to bring the account current. However, they have failed to do so. XXXX, Supervisor, stated that they will complete analysis. The analysis was promised by XXXX to be completed in XXXX. On the contrary, it was not completed as of XXXX 2016. An analysis is not appropriate. The payments should go back to the original amount. They are reporting me delinquent to the credit bureau. After several calls and months, they are still refusing to adjust my account and are demanding that I pay for their insurance. They sent back my XXXX payment and put a lock on my home. My escrow account was depleted and the funds, as I requested were not placed, due to the error that the mortgage company made. Despite several requests to make the needed corrections, they refused. My husband is a XXXX veteran who is XXXX and I 'm a retired school teacher who is on a fixed income. I can not afford to pay more money than required. They are trying to intentionally foreclose on my home.
Company Response:
State: FL
Zip: 32218
Submitted Via: Web
Date Sent: 2016-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-08-05
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I started having problems paying my mortgage back in XXXX. The end of XXXX I did a agreement with my mortgage company ( Nationsstar ) to pay XXXX 's mortgage over XXXX, XXXX and XXXX. In XXXX I started a refinance with XXXX XXXX XXXX XXXX. Nationstar gave XXXX a quote. We closed on XXXX/XXXX/2016 and the check was sent to Nationstar on XXXX/XXXX/2016. Nationstar is claiming the payoff was short because they did n't receive the payoff by XXXX/XXXX/2016. Now they are price gauging my mortgage payoff. My balance was XXXX, now they are saying the payoff is XXXX.
Company Response:
State: NC
Zip: 28214
Submitted Via: Web
Date Sent: 2016-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No