Date Received: 2016-04-24
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: nation star is my mortgage company.the company kept telling me that i was not able to make payments once i fell three months behind n i was in contact with them the entire time that i was falling behind.they asked me to start a modification process.icontinued to give them as much information that they asked for.the primary bowerer left me and our XXXX children and had taken all of our money and quit his job after beeting me.i put an order of restraint on him and he retaliated by coming with a loaded wepon.i am XXXX i recieve several services to help meand have all wittnessed his stocking and abusive behavior.i have since become extreemly fearful of leaving my home.nation star kept telling me that they would not except payments but needed to keep providing them with updated information .i was addiment about providing any inf. the needed.it was extreamly difficult to get ahold of my agent and would sometimes go for weeks calling him with out getting any response.i have XXXX childr ( XXXX ) and they were all terrified to have to have contact with their father, the mortgage company was demanding that i make him sign off on the house.this was not possible with out my children being put in jepordy as well as myself.they kept telling me to send in more paper work and i had to release my restraining order in oder to get his work onformation and place of occupancy, and this caused my children XXXX as well as threats on our lives.i told the aggent and sent letters to express what this would do to our family and that it could lead to our dealths or mine alone.my children even wrote letters n so did several of other peoplke concered for our saftey.the mortgage company got their needed information and told me that they finally had all that was needed then tried to tell me that since i have been in the modification process i had been given a judgement and that i had to pay it in order to have my modification approved .i called my aggent while trying to pay the judgement XXXX XXXX and this was the only time he ever answered my phone call without having to wait for him to call me back.XXXX XXXX TOLD ME XXXX WAS OK I DID NOT NEED TO PAY IT BUT IF ANY MORE INFORMATION WERE NEEDE IT WOULD HAVE TO BE RECIEVED BY XX/XX/XXXX.what he neglected to tell me is that my house was going to be put up for sale aS OF XXXX XXXX WAS NEVER SERVED ANY PAPERWORK FOR THIS DATE OF SALE AND NOR WAS I EVER GIVEN OR NOTIFIED THAT MY MODIFICATION WAS NOT APPROVED!!!!!!! PLEASE HELP MY FAMILY, I BUILT THIS HOME ON MY OWN TO ACCOMIDATE MY DISSABILITIES AND JUST WANT TO PAY FOR MY HOME! I WOULD HAVE NEVER FALLEN BEHIND IF I HAD JUST BEEN ALLOWED TO PAY MY MORTGAGE AFTER I HAD STARTED MY FIRST MODIFICATION PROCESS.I BEGGED MY AGGENT JUST TO BE ABLE TO PAY N START MAKING UP FOR MY THREE MONTHS THAT I WAS BEHIND.I AM BEGGING FOR HELP!!! I DO NOT KNOW HOW TO WORK WITH THE COMPUTER WELL SO IT WOULD BE MUCH MORE HELPFULL TO HAVE SOMEONE CONTACT ME BY PHONE.XXXX.ALSO I SERVED OUR COUNTRY FOR 12 YRS NEVER XXXX XXXX AND HAVE APPLIED FOR HUD BUT HAVE NOT RECIEVED ANY INFORMATION FROM THEM YET.I HAVE ALSO RECIEVED HELP FROM XXXX A LOCAL NON PROFIT AGENCY THAT WAS UNABLE TO HELP ME ENOUGH AND HAD ME CONTACT THE ATTOURNY GENERALS DEPT BUT THE MORTGAGE COMPANY REFUSES TO GIVE ME ANY PAPER WORK AND WHAT I HAD WAS DESTROYED BY MY EX WHEN HE MANY TIMES HAS BROKEN BACK INTO MY HOME. PLEASE HELP ME AND MY BEAUTIFUL CHILDREN!!!!
Company Response:
State: MN
Zip: 557XX
Submitted Via: Web
Date Sent: 2016-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-04-23
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Nationstar Mortgage has completely outsourced their servicing to a foreign country where it is nearly impossible to understand their representatives, where errors occur on applied payments on a monthly basis, and even the simplest adjustments are not implemented after months and dozens of phone calls. I have been trying to pre-pay my mortgage up to six months in advance, according to the terms of my mortgage ( which Nationstar purchased ) and have not successfully managed to do so. They misapply my mortgage payment every month and still have not corrected misapplied payments after dozens of days calling and waiting on hold. They should not be endowed with any fiduciary trust within XXXX law whatsoever.
Company Response:
State: UT
Zip: XXXXX
Submitted Via: Web
Date Sent: 2016-04-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-04-22
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I bought a house, but had not sold my old house yet, so I had to get Private Mortgage Insurance because I would n't have enough money for the appropriate Loan to Value percent. When I told my broker I did n't want to get PMI, she said not to worry that as soon as I sell my old house, I can pay down the mortgage, and the PMI would be dropped. So after my house sold a few months later, I paid down my mortgage to the appropriate loan to value. In the mean time my loan had been sold to Nation Star mortgage. So I called and asked what I need to do to have the PMI dropped. They told me I had to pay it down more, so I paid it down to about XXXX % LTV, then I submitted the form they asked me to submit. After a few months I called to ask about it, and they said I needed to re submit the form, so I did. I spoke with probably XXXX different people ( some of them very rude ... like I was asking for something unreasonable ), the original broker I used for my mortgage spoke to several people, and I can not get a response about when or whether the PMI will be removed, or if they need more information, or anything. Overall they have been very unresponsive and uncooperative. My initiatial call to them was in XXXX 2016, and I still do not have a resolution.
Company Response:
State: VA
Zip: 230XX
Submitted Via: Web
Date Sent: 2016-04-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-04-22
Issue: Settlement process and costs
Subissue:
Consumer Complaint: We have a File that is an REO purchase, we are having issues with the sellers closing agent, this is adding cost that is the REO lenders responsibility to pay. The company is refusing to communicate with their client and is holding us hostage and we are trying to close this transaction. The Seller is NationStar/XXXX, the person we are working with for Natonstar is XXXX XXXX XXXX, Law Offices of XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX . XXXX, XXXX, FL XXXX Phone ( XXXX ) XXXX Facsimile ( XXXX
Company Response:
State: FL
Zip: 33063
Submitted Via: Web
Date Sent: 2016-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-04-22
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I am XXXX for the XXXX and since the market crashed, I took a pay cut. Based on that, I had to modify my loan ( Mortgage ) so that I could afford my monthly mortgage. During the modification, In the month of XXXX 2015, I submitted my payment as usual. Nation Star who is my lender, removed the money out of my account on XXXX XXXX, 2015 in the amount of XXXX. No that I am attempting to refinance my loan, It was brought to my attention that Nation Star indicated that I was late on my XXXX 2015 payment and it has affected my credit report. I contacted Nation Star and they advised me upon checking their records/notes that it was a mistake and that it should not be noted on my credit report. This has affected me because its stopping me from refinancing my loan so that I can have a more affordable payment and provide for my family.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 91351
Submitted Via: Web
Date Sent: 2016-04-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-04-22
Issue: Settlement process and costs
Subissue:
Consumer Complaint: My home received damages on XXXX/XXXX/16 ) The insurance company sent a check ( {$3500.00} ) made payable to me and the Nationstar. I sent the required documents to the mortgage company. Nationstar sent a check in the amount of {$880.00}, which does not cover the cost of materials. On XXXX XXXX, 2016, I requested additional monies ( {$660.00} ) that is needed to purchase the remaining floor materials. Total cost of the floor materials is {$1500.00}. On XXXX XXXX, 2016, my insurance company contacted Nationstar. Nationstar told the insurance adjuster the forms sent on XXXX XXXX, 2016 will be reviewed by XXXX XXXX, 2016. On XXXX XXXX, 2016, I called and was told that additional information was needed.I had to redo the entire packet. I stated that I was not. I faxed the document to them. I was told by Nationstar to buy the materials. I told them that my insurance company stated that I should not purchase any materials because that 's the purpose of the insurance check. I informed Nationstar that if additional information was needed, I was not contacted via mail nor phone. I have been calling weekly, I have requested to talk with the Dept. Head on numerous times to no avail. I have requested a telephone number to corporate office ; I was told there is no number. Also, Nationstar states that I have to pay for the inspections that they are requesting. I have asked for a copy of the policy stating this ; I have yet to receive it. Nationstar has been giving the the run-around for weeks. Thank you in advance for your help in resolving this matter. I have a loan modification.
Company Response:
State: LA
Zip: 70570
Submitted Via: Web
Date Sent: 2016-04-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-04-22
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: We recently received a mortgage statement showing our escrow account increased by a little over {$460.00}. Which is over double what the current escrow payment amount was. We never received an analysis until we called and requested it ( which is attached ). We were previously in a bankruptcy, but were receiving other notifications from Nationstar through our attorney, such as interest rate changes due to our ARM loan. They are stating they sent one to our attorney and to us. However, this analysis is dated after the date of our bankruptcy discharge. We logged into our online account and there was also no analysis available. We called and realized that the reason for the increase was because they had not completed an analysis on our loan in years so the deficiency/shortage that is showing of over {$4500.00} is made up of years worth of items. We called Nationstar asking for previous years analysis and were transfer several times until the call was dropped after an hour of being on hold and/or transferred this happened twice. The third time after holding for almost an hour we were finally told that it is their policy that they do not preform an analysis unless the customer requests while they are in bankruptcy. There were new bankruptcy laws passed in 2011 to prevent this sort of action by lenders as well as RESPA law does not make an exception for bankruptcy loans. It just requires that the analysis be done at least annually. Due to their lack of compliance with laws we now have to figure out how to make a payment that is {$500.00} more than normal on a loan that is 12 years old and only had increase of disbursements of less than {$200.00}.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2016-04-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-04-22
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I feel that I am a victim of unethical and deceptive lending practices by Nationstar Mortgage. Prior to XX/XX/2015 my account was perfect. In or around or even just prior to your XXXX/XXXX/2015 being due, I contacted them and asked them for assistance in that I was not having ample funds to make the XXXX 2015 payment before month end due to a weather related repairs that needed to be made ASAP. The lender rep you dealt with brought up the possibility of a modification to your loan. I informed the rep that both the XXXX AND XXXX payment in the month of XXXX ( as you knew you 'd be getting your {$2500.00} for the golf coaching stipend ). I understood my credit bureau rating would have then reflected a XXXX delinquency for the month of XX/XX/2015. Instead, the rep suggested I signed up for this loan modification ( making me think this was my only option ) which in turn severely hurt my credit. When I started getting calls about missed payments ( I was still paying monthly ), my rep stated everything was fine. Currently, I am not receiving any return phone calls from this company.
Company Response:
State: PA
Zip: 15236
Submitted Via: Web
Date Sent: 2016-04-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-04-22
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: Nationstar Mortgage , LLC purchased my mortgage from XXXX XXXX ( DBA XXXX XXXX XXXX ). Due to circumstances beyond my control, I had to slide the mortgage payment one month. After almost a year, I have not been able to resolve the payment with Nationstar. They continuously hold extra payments in suspense and misapply those payments. They are charging late fees inside of the 30 day grace period allowed by my mortgage contract. They send a letters continuously threatening foreclosure, even though I am currently less than one month behind. I have requested a face-to-face meeting for arbitration several times and they have failed to come to the table. I am fed up with their predatory practices. Any calls to formalize the catchup process in a written agreement have been met with resistance from Nationstar. It seems they are more interested in dragging the process along so they may unjustly enrich themselves at my expense.
Company Response:
State: VA
Zip: 234XX
Submitted Via: Web
Date Sent: 2016-04-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-04-21
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I submitted a loan modification package to my lender Nation star. I was given an approval for a HAMP Tier 2. In the documents I received and after a conversation with the assigned representative I was told verbally and in writing that the only reason I was denied for a HAMP Tier 1 was because I did not live in the property. I do live in this property and I sent them the requested documents to prove that I live in the property. I was told that the file had to be re-reviewed. I followed up a few times and each time I was told the file was under review. I called yesterday and spoke to a different representative who informed me that all of that was n't true. That I had to appeal the decision. This whole time I was told wrong information and was left waiting for a review that was not going to happen unless I appealed. Now after all this time wasted I still have no clear answer as to what is going on with my file.
Company Response:
State: NY
Zip: 11368
Submitted Via: Web
Date Sent: 2016-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No