Date Received: 2016-04-06
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: On XXXX XXXX, XXXX Nationstar sent me a letter requiring proof of my condominium unit owners insurance. My agent, XXXX XXXX forwarded that information to them. On XXXX XXXX, XXXX Nationstar sent me a letter titled, " PROOF OF INSURANCE RECEIVED. '' Beginning XXXX XXXX Nationstar increased my monthly mortgage payment by approximately {$400.00} claiming that my escrow account was short the amount that was required to pay for the insurance that my agent proved I had ( and their letter dated XXXX/XXXX/XXXX confirmed ). I did not pay this new mortgage amount ; instead, I paid the amount that I had been paying, {$2000.00}. For both the XXXX XXXX and XXXX XXXX payments Nationstar continued to charge the extra {$400.00}. I did not pay that money. For both of those months I paid my normal amount, {$2000.00}. Today, XXXX XXXX, XXXX I tried to pay my mortgage in the amount of {$2000.00}. Nationstar would not allow me to pay because they claim that I owe over {$3000.00}. On Thursday, XXXX XXXX, XXXX and Monday, XXXX XXXX, XXXX I spoke on the phone with representatives of Nationstar who assured me that they would take care of this matter. The person I spoke with on XX/XX/XXXX said that it would be taken care of within 2 business days. The person I spoke with on XX/XX/XXXX said that it would be taken care of within 5 business days. This has not happened.
Company Response:
State: CA
Zip: 91362
Submitted Via: Web
Date Sent: 2016-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-04-05
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I filed bankruptcy in XXXX, I reaffirmed my home, signed by my former mortgage company and my lawyer on XXXX. My mortgage company XXXX XXXX XXXX XXXX went out of business and has been acquired by Nationstar Mortgage, I just found out that when I reaffirmed my home on XXXX it was never reported to the credit bureaus and looks like I have had no mortgage for an entire year. Therefore my credit is not improving and I 'm paying for my home all this time and in the eyes of the bureaus I have no mortgage. I have been tryng to work with Nationstar to correct this since XXXX, I have faxed over my signed court reaffirmation papers and they still ca n't seem to report this information to the bureaus.
Company Response:
State: MO
Zip: 63010
Submitted Via: Web
Date Sent: 2016-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-04-05
Issue: Settlement process and costs
Subissue:
Consumer Complaint: We entered into a home modification loan with Nationstar Mortgage LLC. Their address is XXXX XXXX XXXX XXXX, XXXX, Tx XXXX. The company is giving us contradictory information concerning our mortgage agreement as far as monthly payments, overdue amounts, one person in the company I spoke with said we are 60 days delinquent and we are not then another person I spoke with said he was not sure and that I would have to contact him next week. We sent in our final paperwork which they said they received but there were several items in that paperwork that was different from the original agreement so my wife and I noted several items we did not agree with and signed the documents and sent them in. The person I spoke with said that since we had stated that we did not agree with some items in the contract that it would have to be reviewed. We are not delinquent on our payments during the 4 month probationary period they had us under, they sent us a letter confirming that we had successfully completed our 4 month agreement but they told me those letters were automatically generated by their computer and basically did not mean anything. We do not want to lose our home through some administrative mix up on there part and I had to check myself out of the hospital against my doctors advice to attempt to take care of this matter. I have a XXXX XXXX that the doctors have said could be XXXX but I can not go back to the hospital with this hanging over our heads. My wife is XXXX years old and on XXXX and has been trying unsuccessfully to resolve this on her own, I am also unable to work because of various ailments and a recent automobile accident where a commercial vehicle pulled out in front of me and I XXXX the other vehicle which totaled my car, it was the other drivers fault, I am also XXXX years old.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AL
Zip: 356XX
Submitted Via: Web
Date Sent: 2016-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-04-04
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Nation Star bought my mortgage loan from XXXX XXXX Bank, XXXX. The original term on the original loan document stated that when the LTV drops below 80 % customer can ask to remove the PMI, or it will automatically drop at 78 %. XXXX XXXX XXXX XXXX Today, Nation Star said no because their LTV value is set at 75 % for them to drop the PMI. They will continue to collect the XXXX premium for additional 5 % of the LTVXXXX XXXX I am sorry that Nation Star should have known when they purchased somebody 's contract, all the terms in the original contract prevail.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2016-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-04-04
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I AM HAVING TRANSPARENCY ISSUES WITH THIS SERVICER I HAVE BEEN CHARGED LATE FEES AND MORTGAGE LATES REPORTED ON MY CREDIT REPORT WHEN IN FACT I HAVE NEVER BEEN LATE ON THIS LOAN EVEN BEFORE THIS SERVICER TOOK OVER HAD I NOT REQUESTED FOR THEM TO START REPORTED MY LOAD TO THE CREDIT BUREA I WOULD NEVER KNOWN OF THIS ISSUE, AND MY FICO SCORE WOULD HIGHER, THE REAFFIRMATION TOOK PLACE EVEN BEFORE THIS LENDER TOOK OVER AND I HAD REQUESTED IN THE PAST TO HAVE MY LOAN TO BE REPORTED TO NO AVAIL ONLY WHEN I CONTACTED CFPB THINGS STARTED TO COME TO LIGHT I PROBBALLY NOT THE ONLY ONE THIS SERVICER NEEDS AN AUDIT OR SOME FINE THE DETER UNETHICAL BEHAVIOR
Company Response:
State: CA
Zip: 90220
Submitted Via: Web
Date Sent: 2016-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-04-05
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I was a XXXX customer, bought by XXXX XXXX XXXX, ballooned into having to file a Chapter XXXX and during my bankruptcy, my loan was then taken over by Nationstar. Finished my Chapter XXXX, now 11 months behind and over {$100000.00} paid in interest alone in two years right under the trustees and attorneys noses, nothing to principle. Now, I 'm supposed to be current, not- and for the first three years they were listed in XXXX spots as a secured creditor, never filing their secured debt. Confront my attorney and nobody seems to know why this was allowed to happen. Now, I come out of bankruptcy, I 'm 11 months behind and my bank ca n't help me because I have to be current twelve months, to even refinance with them. The amount they valued my home when they took over was XXXX. This is lunacy that they can still continue to do this right under the judicial system 's noses and my interest is still 8.75 % fluctuating. So, basically, I 'm in a foreclosure status after paying all that money. Not to mention I was paying my own insurance and so were they, while I proved it, they made no effort to correct the issue. Nationstar sent a XXXX page payment schedule so while the courts were paying # XXXX to XXXX XXXX XXXX, the actual secured mortgage # XXXX was accruing more late charges and the payments sent to them were allocated to the mortgage then deducted from Nationstar and sent to XXXX XXXX XXXX. Therefore, the original mortgage was being neglected and actually using the court system to get more and more money. The Final cure document was not for my current mortgage it was for # XXXX not # XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IN
Zip: 463XX
Submitted Via: Web
Date Sent: 2016-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-04-04
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Back in XXXX XXXX Nation Star Mortgage sent me documentation indicating that they were my new mortgage lender. Prior to this I had been working with XXXX XXXX XXXX. I had not been notified that XXXX XXXX XXXX would not be my mortgage lender anymore. XXXX XXXX I entered into a Trial Period agreement with Nation Star. My monthly payments were {$460.00} for 3 months. I made my payments on time. I had paid my monthly payments up to XXXX XXXX. Around the time I was on the trail agreement I contacted Nation Star to inform them that I wanted to do a short-sale on my property. Per the representative I had to be delinquent on my monthly payments. This is when I stopped making my payments. I however did keep in touch with Nation Star & again was told that I was n't delinquent with my loan. Prior to this issue with Nation Star I had been working with XXXX, a mortgage agency in attempt to pay back Nation Star. I filed for XXXX. I was later denied by XXXX due to the fact that I had applied for a short-sale. By XXXX XXXX, XXXX I was laid off from a job that I had been at for almost 8 years. I started a new job in XXXX XXXX. I am currently still working.
Company Response:
State: PA
Zip: 19120
Submitted Via: Web
Date Sent: 2016-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-04-04
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I am homeowner XXXX XXXX WHO NEED TO SAVE HIS HOME. XXXX XXXX XXXX, XXXX IS ORIGINAL BANK and i recived UNIFORM FINAL JUDGMENT OF FORECLOSURE AND SALE DATE ON XXXX/XXXX/2016 I beg you to help with canceling foreclosure sale on XXXX/XXXX/2016, i am willing to do any loan modification, mediation, loss mitigatin, please help me and our family to save our home.XXXX XXXX sold loan to XXXX end i just find out that XXXX sold this loan to Nationstar loan # XXXX i wasnt notified, i need to do loan modification ASAP and Nationstar only intersted to foreclose, they dont give a chance to do loan modificatin, i just got statement where they charge me for legal fee XXXX, property inspection XXXX $ title lien search XXXX XXXX prior lender expense XXXX XXXX escrow XXXX $ they just purchased this loan from XXXX and now FRAUDULENLY Creating chages out of knowere and want to sell my house.MY family beg to stop this FRAUD.WE willing to do loan XXXX need to keep roof over heads I am homeowner WHO NEED TO SAVE HIS HOME BANK XXXX XXXX, XXXX IS ORIGINAL BANK and i recived UNIFORM FINAL JUDGMENT OF FORECLOSURE AND SALE DATE ON XXXX/XXXX/2016 I beg you to help with canceling foreclosure sale on XXXX/XXXX/2016, i am willing to do any loan modification, mediation, loss mitigatin, please help me and our family to save our home.Bank of XXXX sold loan to XXXX end i just find out that XXXX sold this loan to Nationstar loan # XXXX i wasnt notified, i need to do loan modification ASAP and Nationstar only intersted to foreclose, they dont give a chance to do loan modificatin, i just got statement where they charge me for legal fee XXXX, property inspection XXXX $ title lien search XXXX XXXX prior lender expense XXXX XXXX escrow XXXX $ they just purchased this loan from XXXX and now FRAUDULENLY Creating chages out of knowere and want to sell my house.MY family beg to stop this FRAUD.WE willing to do loan modi need to keep roof over heads As homeowner in danger of Foreclosure sale on XXXX/XXXX/2016 my mortgage bank was XXXX XXXX XXXX, i was late on payments, So XXXX XXXX XXXX was trying to foreclose on me, But i didnt got no XXXX XXXX no loan modification, so later i realized that loan was transfered to XXXX and just now XXXX transfered this loan to Nationstar, but Because Of Bank XXXX XXXX was my bank I am covered by National Mortgage Setlement, Nationstar doesnt give me option to do loan modification and only proceeding towards Foreclosure sale which violates National Mortgage Setlement Agreement, Fraudulently under Consumer Financial Protection Bureau CFPB Rules for Servicing Loans in Default, Nationstar violated almost all rules in book and like loanshark they interest only in getting house and going in foreclosure sale. Government through you gave us last chance, last hope ... Please Help us to save HOME Open to all loan modification willing to work any- ANY possible scenario.this bank chargeXXXX,XXXX1lega As homeowner in danger of Foreclosure sale on XXXX/XXXX/2016 my mortgage bank was Bank XXXX XXXX XXXX i was late on payments, So bank XXXX XXXX was trying to foreclose on me, But i didnt got no Mediaton hearin no loan modification, so later i realized that loan was transfered to XXXX and just now XXXX transfered this XXXX to Nationstar, but Because Of Bank XXXX XXXX was my bank I am covered by National Mortgage Setlement, Nationstar doesnt give me option to do loan modification and only proceeding towards Foreclosure sale which violates National Mortgage Setlement Agreement, Fraudulently under Consumer Financial Protection Bureau CFPB Rules for Servicing Loans in Default, Nationstar violated almost all rules in book and like loanshark they interest only in getting house and going in foreclosure sale. Government through you gave us last chance, last hope ... Please Help us to save HOME Open to all loan modific
Company Response:
State: FL
Zip: 33707
Submitted Via: Web
Date Sent: 2016-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-04-02
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I was issued a loan modification ( not under a government plan ) by Nationstar Mortgage LLC. This was, and is a jumbo loan. The NationstarModification did not help lower my interest rate, which was 6 %, and still is to this day. I guess the modification was that they allowed a 2 year period as " interest only '' payments. In XXXX XXXX I began looking into a refinance to lower my rates to a competitive rate. I was quickly advised that my mortgage was listed as " in Dispute '' by Nationstar. I was also told that Nationstar had reported 5 late payments of more than 90 days. I immediately contacted Nationstar to dispute the late payments, as I pay electronically and have complete records of every payment. They told me they could not tell me the dates, as I was not the correct point of contact for my loan. They told me the law firm that represented my at closing was. I had that firm ( the lawyer contact had left that firm 198 months prior ) to write a letter confirming their dismissal as the point of contact. Along with that letter I included a letter from Nationstar to me advising that the first date of payment would be XXXX XXXX, XXXX. It turns out every reprted late payment was prior to this dateof my first payment. In fact, they applied my XX/XX/XXXX payment to XX/XX/XXXX, even though my firdfirst payment was XXXX XXXX, XXXX. Nationstar reports that XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX payments were all late 90 days, even though they advised me in writing that the first payment was XXXX XXXX, XXXX. I have tried repeatedly to get Nationstar to acknowledge this in writing by email and fax, and I have tried to get them to engage me to modify or re-issue a new or modified loan, because no other lender will touch this because it is my mortgage company who is reporting my incorrect payment history, This raises a huge red flag to anyone willing to help me try to refinance to a competitive rate, and significantly lowers my credit score, both of which make it impossible to refinance. Nationstar has completely avoided dealing with me and will not return my calls. This is just part of my attempt to get them to correct their errors. If I would refinance to a competitive rate my payments would be close to XXXX/month less.
Company Response:
State: CT
Zip: 06880
Submitted Via: Web
Date Sent: 2016-04-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-04-04
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I am homeowner WHO NEED TO SAVE HIS HOME XXXX XXXX XXXX, XXXX. IS ORIGINAL BANK and i recived UNIFORM FINAL JUDGMENT OF FORECLOSURE AND SALE DATE ON XXXX/XXXX/2016 I beg you to help with canceling foreclosure sale on XXXX/XXXX/2016, i am willing to do any loan modification, mediation, loss mitigatin, please help me and our family to save our home.Bank of XXXX sold loan to XXXX XXXX i just find out that XXXX sold this loan to Nationstar loan # XXXX i wasnt notified, i need to do loan modification ASAP and Nationstar only intersted to foreclose, they dont give a chance to do loan modificatin, i just got statement where they charge me for legal fee XXXX, property inspection XXXX $ title lien search XXXX XXXX prior lender expense XXXX XXXX escrow XXXX $ they just purchased this loan from XXXX and now FRAUDULENLY Creating chages out of knowere and want to sell my house.MY family beg to stop this FRAUD.WE willing to do loan modi need to keep roof over heads As homeowner in danger of Foreclosure sale on XXXX/XXXX/2016 my mortgage bank was Bank XXXX XXXX, i was late on payments, So bank XXXX XXXX was trying to foreclose on me, But i didnt got no Mediaton hearin no loan modification, so later i realized that loan was transfered to XXXX and just now XXXX transfered this loan to Nationstar, but Because Of Bank XXXX XXXX was my bank I am covered by National Mortgage Setlement, Nationstar doesnt give me option to do loan modification and only proceeding towards Foreclosure sale which violates National Mortgage Setlement Agreement, Fraudulently under Consumer Financial Protection Bureau CFPB Rules for Servicing Loans in Default, Nationstar violated almost all rules in book and like loanshark they interest only in getting house and going in foreclosure sale. Government through you gave us last chance, last hope ... Please Help us to save HOME Open to all loan modification willing to work any- ANY possible XXXX bank XXXX As homeowner in danger of Foreclosure sale on XXXX/XXXX/2016 my mortgage bank was Bank XXXX XXXX XXXX i was late on payments, So bank XXXX XXXX was trying to foreclose on me, But i didnt got no Mediaton hearin no loan modification, so later i realized that loan was transfered to XXXX and just now XXXX transfered this loan to Nationstar, but Because Of Bank XXXX XXXX was my bank I am covered by National Mortgage Setlement, Nationstar doesnt give me option to do loan modification and only proceeding towards Foreclosure sale which violates National Mortgage Setlement Agreement, Fraudulently under Consumer Financial Protection Bureau CFPB Rules for Servicing Loans in Default, Nationstar violated almost all rules in book and like loanshark they interest only in getting house and going in foreclosure sale. Government through you gave us last chance, last hope ... Please Help us to save HOME Open to all loan modification willing to work any- ANY possible scenario. As True Floridian and homeowner who trying to avoid foreclosure sale scheduled XXXX/XXXX/2016 i would like to ask why Bank XXXX XXXX created such a situation with my loan even under National Mortgage Setllement Agreement and didnt gave me, my family fair chance to do loan modification and have roof, transfered my loan to loansharks like XXXX and Nationstar??? it is because Bank XXXX XXXX didnt want justice through National Mortgage Settlement and didnt want to comply with rules and regulations???? How I can safe my Home??? now because obviosly Bank XXXX XXXX sold this loan because it dont like to do its part of deal of Setllement, give no chanse to be heard Mediation Hearing. I didnt had Mediatin Hearing, Bank XXXX XXXX XXXX transfered my loan to other bank, but what about certain obligatns At Setllement where Bank XXXX XXXX didnt gave Me chance to do loan Modification and transfer loan to XXXX VIOLATION
Company Response:
State: FL
Zip: 33707
Submitted Via: Web
Date Sent: 2016-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes