Date Received: 2016-06-17
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: This is the second time that Nationstar Mortgage has charged me for an Escrow Advance and my loan is not escrowed.
Company Response:
State: OR
Zip: 970XX
Submitted Via: Web
Date Sent: 2016-06-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-06-17
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: This is a second complaint. Original complaint case number is XXXX. Not only has NationStar been untruthful. evasive, they also use fraudulent or deceptive practices in their responses to the first complaint, they have continue to do so. Since I filed the first complaint, below is a list of illegal action take against me by NationStar. I have also attached supporting documents to show NationStar claims are fraudulent and deceptive : 1. NationStar misrepresented the amount owed. The partial payment amount was {$1300.00} has ballooned to {$5800.00} as of the statement provided by NationStar XXXX/XXXX/XXXX. see attached. 2. Reporting false information to the credit reporting agencies. According to XXXX, I was 30 days late with my payment for XXXX, XXXX, XXXX, and XXXX XXXX. XXXX 's payment posted by NationStar XXXX/XXXX/XXXX, XXXX 's XXXX/XXXX/XXXX, XXXX 's XXXX/XXXX/XXXX and XXXX XXXX/XXXX/XXXX. No payment has been late since XXXX XXXX see attached 3. Harassing telephones calls several time a days at home and work by different loans specialist based on a list they are provided without knowing the status of the account. I reported to work at XXXX in the morning and there are calls on my answering machine from NationStar. 4. I have made all mortgage payments on time since bringing my account current om XXXX XXXX XXXX see attached
Company Response:
State: AZ
Zip: 856XX
Submitted Via: Web
Date Sent: 2016-06-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-06-18
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: Subservice XXXX Nationsart Mortgage LLC On XXXX XXXX, 2011 I sent QRW and the information I requested in the letter are proprietary information exceed the scoop information under XXXX. I have the letter here form XXXX XXXX XXXX. Email XXXXXXXXXXXX I have been paying PMI on this loan for 10 years and N/S will not tell me any information. At the end of the year and every month I see where they take the payment out but other I do n't not statements. N/S say I making payment to a company that has been out of business for years RMIC. N/S inadvertently would not disclosed and release any information too me about loan and did so intentionally. to charge fees and interested that I would not be aware of. It was not until I contacted H.O.P.E for a modification anyone started offing me help. I had to mail N/S everything I mailed HOPE two and three times over and over. But if they have continued to honor XXXX Modification the XXXX modification I would not have need this set me back over XXXX and 120 Day late on my credit report. I feel N/S needs to be investigated for Modification Abuse The incentive payment from the Federal government HAMP were used for profit and big business.
Company Response:
State: VA
Zip: 23231
Submitted Via: Web
Date Sent: 2016-06-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-06-17
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: mortgage service charging borrowers ' excessive fees : late fees - swept onto accounts on or before the grace period actually expires. Issuing " late fee '' correspondence to accounts that have been set-up or on Auto draft, EFT or ACH and triggering inspections leaving borrower to absorb costs that they have no knowledge of ; healthy corporate advances and misapplying payments due to error in payment process ; reversing payments ( long enough to collect " per diem ( s ) '' ) and, then applying late fees after corrections ; calling borrowers who have asked company to Do Not Solicit ; letting bankruptcy accounts walk away without the knowledge that they can reaffirm thus locking them into payments that eventually cause foreclosure because of no reaffirmation ; not reporting on-time payments to credit bureaus and borrower has no knowledge until they are into re-financing ; borrower 's are told not to make the current month payments while awaiting for re-finance decision and if the re-finance is not approved, then the payment considered late and [ borrower ] absorb late fee and are now a month behind and struggling to catch up. Not sending borrowers ' [ their ] time-stamped collateral after payoff and much more. The systems algorithm is primarily set-up to sink the borrower thus, these malicious atrocities and others leaves one scrambling for payments that could have easily been applied in a timely manner had Borrowers been told to make the payment so not to affedt their credit report. Borrowers are aware of this and know that this particular mortgage service is getting worse... now they are trying to re-brand because of a lawsuit payout. Nothing has changed, they are still predatory lenders.
Company Response:
State: CA
Zip: 958XX
Submitted Via: Web
Date Sent: 2016-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-06-17
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: In XXXX Nationstar Mortgage company took over ( bought ) my Mortgage from XXXX XXXX XXXX. In XX/XX/XXXX they sent me a letter stating I did not have enough Flood insurance coverage to meet their requirements. I informed them that my agreement with XXXX XXXX XXXX stated I only needed XXXX % of unpaid balance. ( about {$57000.00}. worth of ins. needed ) They went and purchased Gap insurance without informing me. After numerous letters and phone calls with no resolution to the matter I had to get a lawyer involved. After receiving letter from lawyer proving they were at fault in the matter they cancelled the insurance and returned my money to escrow. Since that time they have done the same thing twice. Every three months I receive letter stating I do n't have enough insurance I have to go and fax papework ( which costs me money ). As of the writing of this letter they went and got me Gap insurance, taking the money out of my escrow account and raising my monthly payments. I have {$120000.00} worth of flood ins twice the amount needed. It is very stressful dealing with this company. If I speak to a representative I am told it was an error and will be taken care of. Nothing is done. Then I fax over letter from lawyer all mortgage agreement with XXXX XXXX XXXX and it is cancelled. This time after doing all the same nonsense they have not contacted me or cancelled the ins.
Company Response:
State: NY
Zip: 11229
Submitted Via: Web
Date Sent: 2016-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-06-16
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I am divorced. I received the house in the divorce decree and my ex-husband signed a quitclaim deed over to me. He is no longer an owner of the home. He received a Chapter XXXX Bankruptcy discharge of the mortgage debt. I applied for a HAMP Modification and was approved for a 3 month trial payment, upon which after successful completion of those payments Nationstar Mortgage would send the final modification documents. Which would include a partial claim to FHA for any past due amounts of the mortgage and payment to the principal in an amount to get my payments down to an affordable amount. I did complete those trial payments on time and Nationstar sent the final Modification documents to be signed to complete the modification. BUT, they were requiring my ex-husband 's signature on the documents. After working with them, they told us that he had to sign everything, but the Promissory Note for the partial claim. My ex-husband and I signed the modification documents in front of a notary as required, and mailed them to Nationstar using the prepaid XXXX shipping label that they provided. I called Nationstar the next week to check receipt of the documents and make sure that my Modification was being finalized. I was told that my modification was NOT being finalized because they decided that my ex-husband would need to sign the promissory note too. Stating that the change was due to the Investor, XXXX, requiring his signature on the Promissory note too. I have maid a complaint to XXXX XXXX XXXX XXXX, was assigned a XXXX XXXX, who sent me an email stating that Nationstar followed up with her and sent her an email stating they were completing My modification now, However, that is not the case. They are not completing my modification. I recontacted XXXX XXXX and was told that even though FHAXXXX rules state that an ex-spouse 's signature is not required, because the Investor is requiring it she ca n't help me, because it 's a legal issue. I do not understand how Nationstar can change the requirements after we fulfilled what was required. I do not understand how Nationstar and XXXX can make requirements for a Promissory Note to the Secretary of Housing and Urban Development. My ex-husband, a non-property owner should not be required to make himself financially liable for a debt under that promissory note, as he has no interest in the property and received a discharge of the whole debt in his Bankruptcy. He will not sign that Promissory Note. Therefore, Nationstar will not finalize my FHA-HAMP Modification and my children and I are going to lose our home in Forclosure. After almost an hour on the phone speaking to XXXX of Nationstar 's Representatives, XXXX-Extension # XXXX, I still have no resolution. In that telephone conversation with XXXX XXXX, he stated that : Nationstar is following XXXX 's Guidelines that require my ex-huband 's signature on that promissory note. I asked him to supply me something in writing showing me that was XXXX 's rules. I wo n't be receiving anything to the effect, because they ca n't provide me with that information. He also stated : That if my ex-husband and I were n't married at the time we entered into that Mortgage, his signature would n't be required because of the QuitClaim Deed. That XXXX 's policy says that even though XXXX individual people were on the original mortgage, if there is a QuitClaim Deed, the other person who executed a QuitClaim would n't be required to sign. But, because we were married, he is required. That XXXX does n't take into account a Divorce. This seems to me to be discrimination based on marriage.
Company Response:
State: LA
Zip: 707XX
Submitted Via: Web
Date Sent: 2016-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-06-16
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: The property address mentioned above was foreclosed on XXXX XXXX, XXXX and Charged off by XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX was the first lien-holder and tried twice to participate in a short sale, but XXXX XXXX XXXX refused twice ; therefore, the home went into foreclosure. We made numerous calls to XXXX XXXX XXXX who told us the home was charged off and we did n't owe anything. Then we received notice from NationStar saying they had the loan now. We disputed the validity of this debt. MationStar at one time agreed that XXXX XXXX XXXX should have never sold this loan to them, but then started charging us the regular monthly payment amout of {$620.00} which has significantly increased this debt. And now NationStar is selling this disputed debt to XXXX and the debt amount has doubled from the original debt amount. Additionally, this property was part of the National Federal Class Action Lawsuit against the XXXX banks ( including XXXX XXXX XXXX and XXXX XXXX ) that foreclosed on homes and should not have.
Company Response:
State: FL
Zip: 334XX
Submitted Via: Web
Date Sent: 2016-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-06-15
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Homeowner XXXX XXXX disputes charges that have been made to her mortgage account by the servicer of her mortgage, Nationstar. She has tried to resolve these disputes by working directly with Nationstar but Nationstar has failed to correct the problems and has failed to respond to a Notice of Error sent on her behalf. On XXXX XXXX, XXXX, our office sent a Notice of Error pursuant to XXXX to Nationstar detailing how Nationstar had erroneously overstated her escrow shortage and asking Nationstar to correct the error. Under the CFPB regulations, Nationstar had 30 days to correct this error or to respond to the Notice. Nationstar has neither corrected the error nor responded to the notice. Instead, Nationstar has taken more aggressive collection action against XXXX XXXX and is now threaten to foreclose on her home. Since receiving our XXXX XXXX Notice of Error, Nationstar sent a billing statement dated XXXX XXXX, XXXX, to XXXX XXXX stating that she owed {$4300.00} the loan. On XXXX XXXX, Nationstar sent XXXX XXXX another letter inexplicably stating that now owes {$9000.00}, more than double the amount it stated she owed XXXX weeks before. In this letter, Nationstar threatens not only to foreclose on the home if XXXX XXXX does not pay the entire amount by XXXX XXXX, but also to seek a deficiency judgment against her personally. Nationstar appears to have illegally padded its fees for the loan by demanding payment in the amount of {$3600.00} for " Document Transfer Stamps '' ( although XXXX XXXX has owned the home since XXXX ) and {$3000.00} for attorneys fees ( although XXXX XXXX is not in foreclosure. ) In effect, Nationstar is retaliating against XXXX XXXX for exercising her right to send it a Notice of Error under the CFPB regulations. Rather than correct its error or even respond to the Notice is it is required to do, Nationstar is instead seeking to punish XXXX XXXX by adding unwarranted charges to her account and threatening to foreclose on her home if the charges are not paid.
Company Response:
State: FL
Zip: 33133
Submitted Via: Web
Date Sent: 2016-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-06-14
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I could no longer afford the {$4800.00} mortgage payments offered on my loan modification and I requested to short sale the home since I owe about {$990000.00} and it 's worth {$650000.00}. I wanted to move quickly and avoid foreclosure. The servicer, Nationstar, requested that my Realtor use XXXX auction to sell the property. My realtor acquiesced but Nationstar has instructed the auction company to see the home for {$860000.00} as the minimum opening bid. It received no bids at the first auction and now they set it up to go through a second round of bidding, at the exact same price. Needless to say that it is an exercise in futility. An exact replica and directly across the street sold for {$860000.00} and was completely remodeled. This home needs well over {$100000.00} in upgrades as well as a remediation work due to a fire and mold damage. There is also a broker water line that needs repair but it runs through XXXX feet of concrete which is a huge job. We have received offers and they range between {$580000.00} - {$640000.00} all from investors because it 's not for a first time owner. I just want to sell the home but I was told not to accept an offer and make these buyers who submitted offers go through the auction. This is a waste of time and my Realtor could 've already sold this home. The traditional short sale makes the listing realtor accept the highest and best offer and send it to the servicers for an approval. This auction is a complete waste of time and does not inform the consumer of the major issues with the home. They failed to put in the remediation work and major rehab work that is needed. They 're offering it as it were in fantastic shape, which puts me, the seller, in major liability for not disclosing the condition. My realtor has the correct disclosure information on the XXXX XXXX XXXX but the auction site makes no reference to actual condition. It is misleading and false. I want to be allowed to sell it as a regular short sale.
Company Response:
State: CA
Zip: 90720
Submitted Via: Web
Date Sent: 2016-06-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-06-15
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: There appears to be a resolution miscommunication between Consumer Financial Protection Bureau ( CFPB ) and Nationstar regarding my complaint ( case # XXXX ). In the email I received from CFPB today ( XXXX XXXX ), you indicate Nationstar has provided a partial response to the aforementioned complaint with steps taken so far to address my issue and I should hear from them within XXXX days. After viewing the response, Nationstar indicates they will respond within XXXX days from the date of the letter ( XXXX XXXX, XXXX ). The company 's response does not identify any steps taken as per your message when the path identified in your Auto-Response section is clicked. You are directed back to the 'Complaint List ' without any additional information. Nationstar has a designated time-frame in which to respond and make corrections to this problem as per CFPB regulations. Your email states within XXXX days and Nationstar states within XXXX days - which is it? Nationstar also sent a letter which arrived at my residence today ( XXXX XXXX ) and dated XXXX XXXX, XXXX indicating they would respond no later than XXXX XXXX, XXXX. I am terribly confused and wondering why there are so many mixed messages regarding resolution. Since there are mixed messages regarding the complaint, I would like to change the dates in my original submission indicated in the 'What happened ' section - XXXX XXXX should be XXXX. Also, in the 'Desired Resolution ' section, the XXXX and XXXX XXXX should be XXXX and XXXX XXXX. The mistake made was a typographical error.
Company Response:
State: CA
Zip: 94531
Submitted Via: Web
Date Sent: 2016-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes