Date Received: 2016-03-11
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: Nationstar Mortgage : First it was with a modification loan that ultimately resulted in a fail. I was then told that my only option was to file for a deed-in-lieu of foreclosure. I was told that I would be able to A. stay in the house for 3 months without paying rent and then I 'd receive XXXX for my moving expenses. B. Stay in the house for 12 months and pay a fair market value for rent and receive XXXX for my moving expenses. I choose the option to stay 12 months. I 've been asking for what the rent amount would be but nobody is able to give that to me. Apparently, I 'm finding out that there was a lien placed on the home from an ambulance company in my husbands name ( XXXX ). The house is in my name and my soon to be ex-husband does not live there or have any claim to the house. I may have to find the money myself to pay the lien. I 've been trying to call my representative, XXXX XXXX, to find out how much the rent will be before I pay my ex-husbands outstanding debt, but it 's nearly impossible to talk to him. Dates that I 've called : XX/XX/2016, XX/XX/2016, XXXX on XX/XX/2016, XX/XX/2016. I need to find out how much the rent will be before I pay off other peoples bills and I would also like to find out the chances of this being approved. The money used to payoff the lien could be used for another rental deposit if need be.
Company Response:
State: NJ
Zip: 08087
Submitted Via: Web
Date Sent: 2016-03-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-03-11
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I want to report US Bank for illegally foreclosing on my condo by committed fraud on the courts. Included with this complaint is a report from a forensic document examiner who discovered that US Bank and/or associates forged my signature as well as submitting fraudulent document to the courts. After reviewing my evidence file at XXXX XXXX XXXX XXXX XXXX XXXX and consulting with an expert foreclosure attorney, I uncovered several facts that reveal US Bank intentionally committed fraud to take my property away from me. Fact 1 : They forged my signature on several documents including the promissory note. Fact 2 : US Bank initiated a foreclosure lawsuit in XXXX XXXX, XXXX claiming that they had possession of my original promissory note at the time they filed their lawsuit. This is impossible as the original promissory note was in the possession of XXXX XXXX XXXX record from XXXX and was released to XXXX XXXX XXXX in XXXX XXXX. Fact 3 : In XXXX XXXX my mortgage assignment was transferred from XXXX XXXX XXXX XXXX XXXX Mortgage, XXXX four month after US Bank initiated their foreclosure on my property. I do n't understand how US Bank had positioned themselves to continue with their foreclosure when they were n't a legitimate party in this transaction. Fact 4 : My initial lender, XXXX XXXX XXXX XXXX, who went out of business in XXXX, acknowledged in XXXX XXXX that my promissory note was either lost or destroyed when they submitted a copy to XXXX XXXX XXXX XXXX. I do n't understand how US Bank or XXXX claims that they have the original when it was reported lost or distroyed. For over three years I have been fighting to save my property from banks who were not willing to work with me and my attorney. Despite me having the financial mean to meet their financial demands they still refused to come to any agreement. Today I am convinced that US Bank has been obstructing any chances of me keeping my property. They have gone to great length of committing fraud to take my property that is n't legitimately theirs. In XXXX XXXX, US Bank succeeded in foreclosing on my property but my case is on appeal since my bankruptcy dismissal. It will be months or even over a year before we can go before the judge share our discovery. I want to report US Bank for committing fraud.
Company Response:
State: FL
Zip: 328XX
Submitted Via: Web
Date Sent: 2016-04-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-03-11
Issue: Application, originator, mortgage broker
Subissue:
Consumer Complaint: I applied to reduce my interest rate on my mortgage through Nationstar Mortgage LLC they then had someone from Greenlight Loans contact me. They then asked that I sign " Borrower 's certification and authorization '' five ( 5 ) times in the year 2015. Each time I asked why did I needed to resign the new form. I got a different excuse each time by a new Loan person. I wish to have at least XXXX of the requests from my credit reports. I had excellent credit before they pulled my credit each time.
Company Response:
State: NC
Zip: 28211
Submitted Via: Web
Date Sent: 2016-03-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-03-12
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I was approved for a loan modification with Nationstar Mortgage in XX/XX/XXXX, but it was an adjustable interest only rate of 3.0 % and it will end in XXXX XXXX. I will not be able to afford the mortgage once it doubles next year. I applied for a loan modification for a new fixed rate for 30 years but was denied because Nationstar Mortgage already gave me this terrible modification and said that my application resulted in a negative NPV ( Net Present Value ). I used the government website, XXXX and it says that I have a positive NPV and easily qualify for a loan modification. I just want to be approved for a fixed 30 year interest rate that will no go up so I can keep my family in our home.
Company Response:
State: CA
Zip: 91745
Submitted Via: Web
Date Sent: 2016-03-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-03-11
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: We 've had a mortgage with Nationstar Mortgage since XXXX XXXX. We 've had several account issues that concern us, and have tried numerous times to get help from Nationstar 's customer service representatives, with no luck. Our latest attempt was to write a letter to Nationstar 's Customer Relations Department mailed on XXXX XXXX, XXXX, XXXX of Nationstar 's customer services reps suggested sending the letter after she was not able to help us. The customer relations dept has no email address or phone number, writing a letter is the only way of communication. We have n't gotten a response from customer relations. We went through most of XXXX with no problems. We paid our mortgage payments of {$1300.00} per month from XXXX XXXX - XXXX XXXX. We received an " Annual Escrow Account Disclosure Statement '' dated XXXX XXXX, XXXX. This statement showed a " surplus '' of {$3700.00}, stated that our new mortgage payment would be {$1100.00}, and there was a check attached from Nationstar for {$3700.00}. We made our XXXX payment of {$1100.00} ( we called to make sure with a customer service rep ). Received a letter, dated XXXX, from XXXX XXXX XXXX XXXX saying this is our " final notice '' ... .we had not paid {$2300.00} in XXXX taxes and interest. Contacted Nationstar, they checked and told us " that 's our mistake, we 'll fix it ''. They also told us to return the {$3700.00} with a letter saying it should be applied to the escrow, not the principal of our acct. We were told to continue making our {$1100.00} payments until this was cleared up, and to call back after check cleared to be sure it was applied to escrow. XXXX and XXXX payments were also {$1100.00}. Received a XXXX XXXX XXXX tax bill in XXXX, sent a copy to Nationstar. We did n't receive an XXXX payment statement, called to ask about it and were told our new payment would be {$1400.00}, which is {$110.00} more than it was before Nationstar 's mistake in not paying our taxes. The check for {$3700.00} was not applied to escrow as it was supposed to, Nationstar rep said she 'd fix it. We still are not sure if the problem ever got solved. XXXX XXXX - XXXX XXXX we paid {$1400.00} per month. A copy of every tax bill we got during that time was sent to Nationstar. Called customer service to question when our payments would go back down ( the additional {$110.00} per month was supposed to bring our escrow acct balance up over the year, satisfying our shortage ). We talked to several people in the customer service and the escrow department, no one was able to help us. We asked if our acct could be audited, we were wondering what mistakes were made that we do n't know of. Told there is no audit department, suggested letter to customer relations. We wrote a letter to customer relations dept and mailed it on XXXX. Received escrow acct disclosure statement, dated XXXX/XXXX/XXXX, which states our payment is now going up to {$1500.00}, another {$88.00}. We had another issue we tried to get cleared up while talking to customer service. In XXXX XXXX, we applied for a XXXX XXXX. In a recent call to XXXX XXXX XXXX XXXX XXXX office, were told all the info was sent to Nationstar in XXXX XXXX, XXXX year ago. We have seen nothing pertaining to this in any of our correspondence with Nationstar, and their customer service reps were n't able to help. We wrote of this problem in our letter to customer relations also. Because we 've had such trouble trying to get help from Nationstar, we have n't tried to talk to anyone about discontinuing the PMI on our mortgage because the house has been renovated. We would greatly appreciate any help you can offer us. Nationstar 's customer service reps have been no help. We can not understand how Nationstar 's customer relations department does not have a phone or email address.
Company Response:
State: GA
Zip: 31405
Submitted Via: Web
Date Sent: 2016-03-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-03-12
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: Nationstar Mortgage foreclosed on my home, but as it turned out, XXXX XXXX was the owner of the note as the trustee for a securitized trust. I did not find this out until after the house was sold, due to my status as a surviving spouse. I was not given information about the loan, or loss mitigation options. I am not a signer on the loan, and my name was never on the title to the house. I just found out that I lost my appeal and I am worried about eviction again. I do not want to lose my home of 18 years. Although I think that I should be entitled to homestead rights in Ohio, I am at a loss as to how to go about doing that. It was very difficult to realize that at the local level none of the national servicing standards set by the CFPB were observed in spirit or in practice. The attorney representing the bank was the only witness in my case, and he either did not care enough to put the facts together or he just lied to the court to save time. Either way, when an officer of the court uses the weight of his credibility to achieve illegitimate results, it just adds to the growing sentiment that justice is not blind but it is deaf. I recently found the actual trust that my husband 's loan is in. It is credit enhanced. I learned that means it is protected with loan level insurance. That means that there was an insurance policy on this loan. Also, based on the terms of the loan, a adjustable rate 30 year balloon, interest only loan, no money down ; and the fact that my husband died less than 2 years after the loans consummation, i think that there was another policy, called lender 's payment insurance. why was n't i informed about this? I recieved a tax document from nationstar with a box called XXXX, which has an amount for nearly double the face value of the loan. According to their website, it is called the gross foreclosure price. There are other websites that describe this box as the total amount recieved for the loan. If they recieved more than they were asking from me to foreclose, why would they also be trying to evict me and sell the house? Is that right? Is n't that called double recovery? He died in 2009.
Company Response:
State: OH
Zip: 44122
Submitted Via: Web
Date Sent: 2016-03-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-03-10
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I logged onto my Nationstar Mortgage account online, and noticed a new loan on my account. This new loan does not belong to me. The personal information associated of the borrower for this loan is available to me when I log in to my personal account. I believed this to be a significant failure of Nationstar Mortgage to safeguard the personal information of the mentioned borrower. I contacted Nationstar Mortgage customer service to notify them of this issue. The representative told me to simply delete the loan from my account. I agreed to do this, but told the representative that this was not an acceptable solution. I told him that I was concerned that there systems allowed for this borrowers information to be available to me, and that my information could be available to others. The representative did n't seem to care about the significance of this issue, and told me that I could file a complaint with Nationstar Mortgage. I then tried to delete the loan from my account, and the website failed to remove it. This loan and the other borrower 's personal information remain on my account today. I have duly notified Nationstar Mortgage of the failure to safeguard the personal information of the borrower, and they have failed to take any action to protect this information.
Company Response:
State: MI
Zip: 48430
Submitted Via: Web
Date Sent: 2016-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-03-10
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: My mortgage was originally with XXXX and was eventually taken over by XXXX XXXX XXXX. XXXX XXXX XXXX would allow me to cancel my PMI and not charge me for an appraisal when the loan to value qualified to remove the PMI. Nationstar bought my mortgage without my approval and they are requiring I may {$450.00} for an appraisal to remove the PMI. I think this is a racket and should be illegal to change the terms of the servicing of my loan!
Company Response:
State: KY
Zip: 41042
Submitted Via: Web
Date Sent: 2016-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-03-10
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Since XXXX XXXX, Nationstar has contacted me several times to present. Initially, I would accept the calls. The requested information would always be the same. Starting XXXX XXXX, I asked Nationstar representatives why was it necessary for them to contact me since my profile had not changed. They would same to me, we are updating your file. To me, this did n't make since because I can update my profile online at Nationstar website because I have a user id and password. I have requested Nationstar to stop calling me in regards to this matter. However, my requests are being ignored. Thank you in advance for assisting me in this matter. Sincerely, XXXX XXXX
Company Response:
State: DC
Zip: 20001
Submitted Via: Web
Date Sent: 2016-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-03-10
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: This file was opened 27 weeks ago in XXXX, the online platform used to negotiate short sales. Since that time, though the file has gone to underwriting five times, the file has yet to be deemed a complete file. Nationstar appears to be reviewing single documents or single pages of documents instead of an entire file. I have persistently asked that this file be considered 'complete ' for a short sale. I have submitted files and documents for months! Time to make this a complete file.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MO
Zip: 63031
Submitted Via: Web
Date Sent: 2016-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No