Date Received: 2016-03-25
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: On XXXX/XXXX/15 I went to pay My Nationstar Mortgage online and the bill had quadrupled. Nationstar has decided to quadrupled my mortgage and the previous statement that was sent to me in the mail in XXXX did not reflect this change. I had never escrowed my taxes before, but had been late the previous year, but was in a payment plan with XXXX XXXX on my property so I never thought I needed to worry about it. Nationstar was no collecting on the bill I was in a payment plan with and all future " estimated '' tax bills. I was n't prepared. I called but the call center was closed so on XXXX I called immediately in the morning. A representative said that they would look into it and see what they could do. I told her that I always pay my mortgage on the last day of the month and that I did not want a ding on my credit. She assured me that this would not happen. They told that I should refinance and start the paperwork with them and that would stop any action. I sent in some paperwork, but then decided that I did not think that this was wise, and that I should look into selling the home. On XXXX, I received a revised bill, which I immediately paid, only reduced by a XXXX, and Nationstar reported the payment as late even though they told me that they were working on the bill and that they were changing it. This is a predatory practice, and they are wrong. I was never late with a payment, and struggled to pay the mortgage until I sold, and I did, every single month while raising my child as a single mother and they preyed on me. I owned my home and had stellar credit. I put the house up for sell, and now because of the late payment they put on my credit report for their misdirection, it could prevent me from buying again because of the drop in my credit score, which they wanted to happen so they could force me to finance with them, or do a homeowner hardship program, which I did not need. They also required me to pay my mortgage through the XXXX account when I had a problem with my checking account withdrawal through them for some reason and they monogram would not take payments over {$2500.00}, forcing the consumer to pay all kinds of money transfer fees on top of the payments, and XXXX will only transfer that amount daily, which also resulted in a late payment for XXXX day late in XXXX They also remove electronics documents from the customer logins that they may have sent you over time so that you can not see actions that they may have taken when you go back to look.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 27516
Submitted Via: Web
Date Sent: 2016-03-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-03-25
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: NATIONSTAR MORTGAGE LLC 'S PRETENSE IS FINALLY EXPOSED -- - PURPORTS TO HAVE TAKEN OVER THE SERVICING OF OUR MORTGAGE LOAN FROM AURORA LOAN SERVICE IN XX/XX/XXXX -- -YET, XXXX INVESTIGATION IN XX/XX/XXXX REVEALED THAT AURORA ACCOUNT DID NOT EXIST. HENCE, ITS DELETION FROM XXXX XXXX 'S CREDIT REPORT. CORRESPONDINGLY, A SUBSEQUENT INVESTIGATION OF NATIONSTAR 'S ACCOUNT IN XXXX XXXX BY XXXX REVEALED THAT IT IS ALSO NON-EXISTENT. PLEASE SEE DELETED ACCOUNT OF NATIONSTAR FROM XXXX XXXX 'S CREDIT REPORT. THIS ALLEGED ACCOUNT ( NATIONSTAR ) - IS THE BASIS OF THE UPCOMING TRUSTEE SALE OF OUR HOME TWO WEEKS FROM NOW - XXXX XXXX, XXXX ( REFERENCE CFPB CASE XXXX NATIONSTAR ; XXXX XXXX, AND XXXX XXXX XXXX XXXX -- - XXXX ENTITIES IN CONNIVANCE TO STEAL OUR HOME.. ) WITHOUT A LEGALLY EXISTING ACCOUNT AS BASIS FOR THE NOTICE OF DEFAULT - IS IT LAWFUL FOR NATIONSTAR-XXXX TO SELL OUR HOME IN FORECLOSURE AUCTION? THANK YOU FOR YOUR URGENT HELP AND INVESTIGATION.
Company Response:
State: CA
Zip: 95037
Submitted Via: Web
Date Sent: 2016-03-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-03-25
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: THIS QWR LETTER SENT BY E-MAIL TO ALL PARTIES XXXX XXXX, 2016 XXXX XXXX QWR LETTER, XXXX MAILED XXXX/XXXX/2016 WE HAVE NOT RECEIVED ALL OF THE XXXX QWR LETTER REQUEST AND NOW SENDING THIS SECOND REQUEST. I DEMAND THE ANSWERS TO BE SENT IN WRITING BY XXXX, MAILED DIRECT & NOT E-MAIL XXXX ( NATIONSTAR MORTGAGE LLL, / XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( lender ) SERVICER : NATIONSTAR MORTGAGE LLC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , XXXX XXXX ATTENTION : XXXX XXXX XXXX. LLC XXXX XXXX MARKET XXXX, XXXX XXXX XXXX, XXXX, DE XXXX This letter is a " QUALIFIED WRITTEN REQUEST '' in compliance with and under the Real Estate Settlement Procedures Act, 12 U.S.C. Section 2605 ( e ). Reference : Account # XXXX Hereinafter the subject loan and is the reference for all questions and requests described below. To Whom It May Concern : I am writing about the accounting and servicing of this mortgage and clarification of various sale, transfer, funding source, legal and beneficial ownership, charges, credits, debits, transactions, reversals, actions, payments, analyses and records related to the servicing of this account from its origination to the present date. I hereby demand absolute firsthand evidence from you of the original uncertified or certified security regarding the above referenced account. In the event you do not supply me with the very security, it will be a positive confirmation on your part that you never really created or owned one. DEMAND ALL ATTACHMENTS TO THE MORTGAGE AND NOTE RECORDED OR NOT RECORDED, DONE BY YOUR NOTORY PUBLIC AND SEALED BY YOUR ATTORNEY, THE XXXX XXXX XXXX, XXXX, XXXX I also hereby demand that a chain of transfer from you to wherever the security is now be promptly sent as well. Absent the actual evidence of the security, I have no choice but to dispute the validity of your lawful ownership, funding, entitlement right and the current debt. *** I SUSPECT ROBO-SINGING FRAUD ON THE ASSIGNMENT RECORDED XX/XX/XXXX AND YOUR COUNSEL 'S SUBMISSION TO THE DELAWARE COURT ALONG WITH A ROBO-SIGNER THAT ATTEST TO THE MORTGAGE ACCOUNTING THAT WAS ATTACHED TO THE COURT FILING. I HAVE EVER REASON TO BELIEVE THIS STATEMENT TO BE TRUE,, DUE TO INFORMATION COLLECTED BY THE XXXX NOTARY DEPARTMENT, AND THE XXXX XXXX XXXX COMPANY AND OTHER RELATED DOCUMENTS. YOUR COMPANY HAS COMMITTED PERJURY TO STATE AND FEDERAL AGENCY 'S WITH THE STATEMENT, " YOU CAN NOT GIVE AN ACCOUNTING OF MY CLOSING FUNDS, AS PER OUR REQUEST MANY TIMES OVER THE YEARS BECAUSE YOU DID NOT ORIGINATE OUR REFINANCE CASH-OUT LOAN " FALSE, WE HAVE THE TITLE COMPANY 'S CLOSING INSTRUCTIONS AND CHEC 'S, XXXX XXXX XXXX XXXX 'S LETTERHEAD PER-SALE MORTGAGE COMMITMENT, SIGNED AND DATED. ECT..WE RECEIVED DATA ALONG THE WAY FROM DIFFERENT SOURCES. WE HAVE MANY XXXX 'S THAT SHOWS DIFFERENT DOLLAR AMOUNTS AND DIFFERENT APR 'S AND GOOD FAITH ESTIMATES AND THEY ARE DIFFERENT AS WELL AS THE LENDERS ORIGINATION & CLOSING FEES. WE DEMAND THE REQUESTED INFORMATION AGAIN TO REDEEM YOURSELF 'S AND INVESTIGATE OUR COMPLAINTS. YOUR CLOSING ANGENT DID N'T PAY-OFF XXXX OF XXXX MORTGAGES BEFORE FUNDING LOAN. WE DID NOT COLLECT ALL OF OUR CASH-OUT PROCEEDS FROM CLOSING! WE HAVE ORGINIAL CHECKS THAT WERE SENT AFTER MANY DEMANDS AND RECEIVED 19 MONTHS AFTER CLOSING THAT WE COULD NOT CASH, WILL PROVIDE THE ORGINIAL CHECKS TO THE FEDERAL AND STATE DEPARTMENTS. WE WILL NOT ALLOW YOUR COMPANY TO CONTINUE THE FRAUD AND DECEPTION WITH PREDATORY LENDING PRACTICES, WE ALSO MAKE THE COMPLAINT OF DUAL-TRACKING AND CAN PROVE, KICK-BACKS RELATING TO LENDERS FORCED HAZARD INSURANCE AND INSPECTIONS FEE KICK-BACKS, AS PER CLASS-ACTIONS IN THE USA. WE HAVE SAVED OUR DATA AS WE BECAME AWARE OF THE COMPANY 'S DECEIT FOR YEARS, AND LACK OF GOOD FAITH IN YOUR DEALINGS WITH US AND OTHERS. ALL YOU EVER SEND TO US OR OUR STATE AND GOVERNMENT OFFICIAL 'S ARE OUR PAYMENT HISTORY,
Company Response:
State: DE
Zip: 19709
Submitted Via: Web
Date Sent: 2016-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-03-25
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: My mortgage company foreclosed on my home while I was in the modification process. I received confirmation they received my paperwork for review and then I was foreclosed on 6 weeks later. I later found out that my mortgage company Nationstar purchased my home via a third party. I had planned on giving all the info to the courts on my status hearing date of XXXX/XXXX/2016 and when I got back into the country ( my mother was ill I was in the XXXX taking care of her since XXXX ). I found that my status conference had been cancelled. I also found out that my same mortgage company was involved in illegal insurance scams and as a matter of course I had a flood in my basement which my insurance ( given to me by my mortgage company ) refused to pay for mold damage of several thousand dollars, I in fact have yet to receive even any monies for the burst pipes and broken window that occurred when the water hit the window and broke it. Nationstar is a predatory lender and should be put out of commission.
Company Response:
State: MD
Zip: 21702
Submitted Via: Web
Date Sent: 2016-03-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-03-24
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: To whom it may be concerned : I submitted a loan modification in XXXX of XXXX ; however, I never received a decision for that application. Although I received a letter from NationStar Mortgage Dated XXXX XXXX ; declined my application and the letter states " You have 30 calendar days from the date of this letter to provide us with written evidence that XXXX or more of the NPV input values is inaccurate .... '' I am so confused with the letter that Nationstar sent to me in XXXX XXXX in which the letter dated for XXXX XXXX and it talks about NPV something that I do not understand. I am still waiting for NationStar letter to respond for my loan application back in XXXX XXXX XXXX. I did not receive any letter for decision since the loan modification application submitted in XXXX XXXX, XXXX. They have had XXXX recorded of Notice of defaults XXXX XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. I recently received letter in the mail and postings on the door of my house for sale date is XXXX/XXXX/XXXX. I also believe Nationstar Mortgage was wrongly filed a notice of default on my house back on XXXX/XXXX/XXXX because I made 2 months mortgage payment over the phone in the amount of {$2200.00} on XXXX XXXX by Representative name XXXX and confirmation number # XXXX. They said everything was ok ; however they return the funds on XXXX/XXXX/XXXX and filed a XXXX on XXXX/XXXX/XXXX. I strongly believe Nationstar Mortgage is just trying to foreclose my home and not at all in compliance with the law. I am a XXXX with illness of XXXX XXXX and this situation with Nationstar Mortgage is aggravating my sickness. First they are wrongly initiating a foreclosure secondly they never respond to my loan modification application submitting on XXXX/XXXX/XXXX and also they sent me a letter in early XXXX of XXXX in which the letter DATED XXXX/XXXX/XXXX saying that I have 30 days to dispute their letter. This letter dated XXXX/XXXX/XXXX is very confusing and contradicting. In the meantime, I was still waiting for their decision on my loan mod application dated XXXX/XXXX/XXXX and now they gave me a sale XXXX/XXXX/XXXX with no other information. I feel that Nationstar Mortgage is wrongly taking advantage of my situation. They are NOT in compliance with the law because their paperwork and actions are NOT in compliance. Please document attached to be submitted.
Company Response:
State: CA
Zip: 92833
Submitted Via: Web
Date Sent: 2016-04-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-03-24
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: Hi my name is XXXX XXXX, I have a loan with NationStar Mortgage and ive been trying to get a loan modification from them for some time now. I have gave them all requested documentation and I have a sale sate scheduled for this property on XXXX/XXXX/16. I 'm worried that they will not postpone the sale date due to some odd regulation they might make up on the way to just sell my home. I do n't know how much longer I will have to be working with them to receive a loan modification. Please help me to receive a good modification for my home so that I could pay my mortgage. I also have read and see that my servicer is in violation of my XXXX XXXX XXXX of Rights. I really want to work with them and I want them to do the same. I do not want them to play games and give me a loan modification that will be higher then what I used to pay before. ( It seems as though that 's what every company is giving out these days. My friends complaint about this issue too and im really hoping that we can get this resolved. Please help with the sale date its very close. Thank you for your time.
Company Response:
State: CA
Zip: 95765
Submitted Via: Web
Date Sent: 2016-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-03-24
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I am a resident of Florida suffering from multiple XXXX including XXXX. I have had my howeowners insurance, XXXX XXXX, since I bought my home in 2011. This year I notice my mortgage holder was about to double my rate, from {$960.00} to about {$1900.00}, and I noticed that my insurance had changed from XXXX to XXXX and that I had gone from paying {$2800.00} to {$6800.00}. XXXX, my mortgage lender, had just informed me via letter that this had been switched the year before, but they never adjusted the amount of mortgage ( just a few bucks so I - thought it was property tax increase ) ; hence, a BIG SWITCHAROO was done by both XXXX, WITHOUT MY CONSENT. And then concealed by my mortgage holder as I would have known if the monthly payment would have doubled. So even with me correcting this and switching back to XXXX, there is still one year of monies that I am now being forced to pay my mortgage lender ... This is roughly {$4000.00} for the year that is being included in my monthly payments now and I ca n't afford it.
Company Response:
State: FL
Zip: 33334
Submitted Via: Web
Date Sent: 2016-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-03-24
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Me and my husband obtained XXXX mortgages in XXXX with XXXX XXXX XXXX. We 've never had a problem with them or our payments being automatically withdrawn on time and then 2 years ago we were transferred/sold to NATIONSTAR. We were n't told until after we got information from Nationstar. About two months ago we received our maturity date letter saying that we have over {$8000.00} due on our maturity date for both of our properties in total. We 've never missed a payment at all we received our statements and we pay them and have never been late so we contacted Nationstar and we have been getting the runaround ever since until today. I Escalated until I could n't escalate anymore. After being told month after month that we will get something from the research department about our account because they ca n't seem to figure out why we had such a large payment due on our maturity dates, where it is supposed to be only one payment and then we would be done. All we got from research is the exact same thing we 've gotten before which is a promissory note that we have and been going by since XXXX which is 15 years ago. Then today ( XXXX XXXX, XXXX ) I get yet another supervisor on the phone and he says when a payment is not received on the exact date it is due, there is interest accrued on it daily. Mind you we mail in our payments because we did n't know what Nationstar was and we did n't want to give them our direct information like our routing and account number so we mailed a payment in. And like any other mortgage or homeowner we thought well our payment is not 10 days late its not even 3 days late so once they receive it we will be good to go. We received our statements and they did n't show anything past due or any late fees because we always made our mortgage payments either on the day or at the latest they 'd receive it on the due date and process it 2 days later. Our statements always show the same amount of {$770.00} on XXXX account and {$210.00} on another account so we thought oh we 're good to go we 're almost at our maturity date and we 're close to paying our accounts off! No such thing because they are saying when they received the payment a day or two late it accrues daily and they put that on the unpaid principal which is due on the maturity date. I asked why were n't we told this or why was n't it on the billing statements because IF WE KNEW THIS WAS OCCURRING WE 'D PAY IT SO IT WOULD N'T BE A BALLON AT THE END! WE NEVER SIGNED UP FOR A BALLON PAYMENT! We never had a problem with XXXX XXXX XXXX mind you, all of a sudden after we have Nationstar for two years now it 's a problem and we now owe {$8000.00} in total on both of our accounts so please tell me if this is fair because we never had this problem with XXXX XXXX XXXX we probably would have been owing {$20000.00} by maturity date if this was actually true but no its {$8000.00} because it happened in the last XXXX years when we started with Nationstar. We reached back out to XXXX XXXX XXXX and they said this is incorrect and it should be going by our payment schedule and should be honoring our agreement but Nationstar is n't honoring anything. They just want the money and definitely do n't care about how wrong they are doing us. Out of all the supervisors I 've spoken to and all the research department information this one supervisor comes up with this but no one else could figure out the issue. This is a huge problem.
Company Response:
State: SC
Zip: 29154
Submitted Via: Web
Date Sent: 2016-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-03-24
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: On XXXX XXXX I qualified for the XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ - Program, and was supposed to be in this program for the following 3 years, with the option of getting a modification on my mortgage as soon as my financial situation change for the better. The program assigned an amount of {$38000.00} for my mortgage payments which was managed and disbursed by XXXX XXXX XXXX XXXX. XXXX made the payments directly to my mortgage bank XXXX, in the amount of {$1600.00} and I was advised to send a monthly payment in the amount of {$180.00} to XXXX XXXX. In or around XXXX XXXX XXXX sold my mortgage to Nationstar Mortgage Acct. By around XXXX XXXX I contacted Nationstar and communicate my desire to restructure my loan and to keep my property, in return Nationstar sent and individual to evicted me from my home, furthermore nationstar sent me documents offering cash for keys in the amount of {$3500.00} so I could re-locate, but this offer was never honored. I tried multiple vias to solve my situation and keep my property to no avail. By XXXX XXXX, XXXX I was out of my property afraid that I was going to be destitute, but no representing Nationstar ever showed up to get the house keys and full fill their cash for keys promise. My calls were never answer or return and my belongings were on its way to the other side of the country. By XXXX XXXX I started receiving calls from nationstar saying that the property was still mine. Short story, Nationstar Auction my home in XXXX and in XXXX XXXX I received a letter from nationstar stating that they were sorry for their mistake with no explanation of what happened or offer to compensate for their ineptitude and lack of professionalism
Company Response:
State: OK
Zip: 741XX
Submitted Via: Web
Date Sent: 2016-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-03-24
Issue: Credit decision / Underwriting
Subissue:
Consumer Complaint: My father died in 2012 and I have been paying on his mortgage under his name for the last 4 years that my fathers estate has been in probate ... ... Finally I am allowed to purchase the estate, I am financing through my credit union and they are requiring a purchase letter from Nationstar Mortgage, my loan is at the under writers and this is the last document they need from Nationstar ... ... .I submitted a request 4 days ago, I have called at least 20 times and keep getting different answers to fax numbers ... XXXX faxed his death certificate and the simple purchase letter that my FHA loan requires XXXX I have even faxed over my court papers stating that I have 30 days to finance the home or it will go on the market which is XXXX XXXX ( 2 weeks away ) ... ... .THEY ARE AVOIDING GETTING ME THE LETTER I NEED TO PURCHASE MY FATHERS HOME I HAVE BEEN FIGHTING FOR FOUR YEARS AND THOUSANDS OF DOLLARS IN LAWYER FEES. All I need is XXXX piece of paper stating the payoff amount and Nationstars signature is that so difficult???????????
Company Response:
State: UT
Zip: 84062
Submitted Via: Web
Date Sent: 2016-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No