Date Received: 2016-02-28
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I am a mortgagee with Nationstar - # XXXX - Nationstar is reporting a defered amount as past due - this is not the agreement I signed at modification - Their website lists the amount due correctly - however to the XXXX credit bureaus - they have reported this incorrectly for more than 6 months - I have repeatedly asked this be corrected and have had temporary corrections that reappear the next months - This is an extreme impact on my credit history - Secondly, I do not understand the Defered amount - I have had my mortgage for 8 years, have never borrowed additional money and owe $ XXXX more today that on the original date - This is a fixed rate - I have repeatedly asked for an amortization or invoice to show the payments and balance - but this remains unanswered - This modification was done - during my XXXX and I do not understand what they have done - Could this be a predatory modification? I have no idea - simply want details -
Company Response: Company believes it acted appropriately as authorized by contract or law
State: SC
Zip: 295XX
Submitted Via: Web
Date Sent: 2016-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-02-28
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: My mother passed away in XXXX XXXX, and had a will and a revocable family trust ( the house is part of the trust. ) Champion said I had one year to pay off the reverse mortgage. I submitted all requested documents by the first deadline of XXXX XXXX. I was pursuing financing documents for the next deadline of XXXX XXXX. On XXXX XXXX, I faxed Champion my funding letter. On XXXX XXXX, I received a letter stating I was in foreclosure. On XXXX XXXX, I received a letter stating I was in default. I thought default came before foreclosure? On XXXX XXXX, XXXX I came home to a Notice of Trustee 's Sale for XXXX XXXX taped to my front door. My next deadline with Champion is XXXX XXXX. HOW CAN THEY SELL MY HOUSE BEFORE THE " ONE YEAR FROM MY MOTHER 'S DEATH '' PROMISE??? Ca n't I sue them for breach of contract? My father built this house in XX/XX/XXXX, and my mother left this house to me in her will. I want to contest the matter in court. THIS IS A SERIOUS CRY FOR HELP HERE! I am XXXX, my husband is XXXX, and my family of XXXX has no where else to go. I ca n't afford an attorney, and the free legal aid in my rural area said they wo n't touch the case ... too complicated.
Company Response:
State: CA
Zip: 953XX
Submitted Via: Web
Date Sent: 2016-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-02-28
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Nationstar mortgage is trying to force me into an escrow account with them. they bought my loan from XXXX which dummy up an escrow account so they could sell it to nationstar. I have not been late on my payments with either company, but their issue is my XX/XX/XXXX taxes which by the way, are paid my me. XXXX county Missouri will accept a payment from anyone on anyone 's account. XX/XX/XXXX, XXXX ( my previous mortgage lender ) made a {$180.00} payment on my property taxes and attached a dummied up escrow account to my loan so they could sell it to nationstar. Nationstar became I loan servicer XX/XX/XXXX. I have never been late on my payments with XXXX XXXX XXXX, XXXX or nationstar. Prior to this I did not have a escrow account with XXXX XXXX XXXX or XXXX. Ntionstar is now softly threatening me with foreclosure actions if I do n't establish and maintain an escrow account with them. I 've repeatedly advised them that by my contract an escrow account is and has not been setup or will be. I have paid my XX/XX/XXXX and XX/XX/XXXX taxes. I 've requested that if they can not maintain my loan without an escrow account to sell it to someone else. their reply is for me to refinance with someone else. ( money to do so and time I do n't have ). I want XXXX and Nationstar mortgage investigated for predatory lending practices as well as some assistance on how to resolve this issue. thank you
Company Response:
State: MO
Zip: 641XX
Submitted Via: Web
Date Sent: 2016-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-02-27
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Nationstar Mortgage has been consistently careless, unprofessional, and lazy about correcting errors that they made. It took 10 days of constant follow-up on my part to ensure that my account was accurately updated. I can not fit my complaint in the XXXX allowed characters, so my full complaint is added as the first attachment.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2016-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-02-27
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: My complaint is about Nationstar Mortgage, which holds the mortgage on my primary residence. I recently set up for online autopay of my monthly mortgage. On XXXX XXXX, I noticed, upon checking my Nationstar online account, that the company charged me twice for my XXXX payment. I notified them promptly via the online correspondence form provided on the website. A few days later, I got a response saying I need to send them a faxed copy of my account statement showing that they charged me twice. I emailed them back and asked if they can just transfer that overcharge to my XXXX payment. Instead, they gave me a generic response saying a customer service specialist will contact me in 5 days. At this point, it 's already the end of the month and my XXXX payment will be due. I believe they are intentionally making it difficult for their customers to receive their refund and they are hoping that they can discourage their customers from demanding them to rectify these mistakes so they are inherently making customers pay extra for the loan interest. If it takes them a split second to charge me twice on my account, and this is their error, it is unethical business practice to delay refunding their customers. They should not be allowed to benefit from using online bill pay service if they are abusing this and victimizing their customers. While this is supposed to be a benefit for their customers, they have used it to steal money from their customers.
Company Response:
State: WA
Zip: 98052
Submitted Via: Web
Date Sent: 2016-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-02-28
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: We filed a complaint last year with you about our mortgage company Nationstar Mortgage LLC, reference ( Case number : XXXX ). It appeared that the problem was finally fixed in the " resolution letter '' that we received on XXXX. However our statement that came on XXXX, after we had made XXXX payments toward escrow had gone up. The correct escrow balance should have shown - {$2400.00}, but the balance on the XXXX statement was - {$4000.00}!?!?!?! We are not sure how, after making payments to fix the negative escrow balance, that the amount jumped up so high. We have been on the phone and emailing constantly with Nationstar to try and get this issue fixed with no luck. We never talk to the same person twice and were told by XXXX different people that our account would go back into research to be fixed, to find out they never submitted anything. The 3rd time we tried to get it back into research the request was finally submitted, but the number the research department came back with was still way to high???
Company Response:
State: AZ
Zip: 85741
Submitted Via: Web
Date Sent: 2016-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-02-26
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Nationstar Mortgage added a Forced Place Insurance onto my account. I made my normal payment as usual while this was being researched. The payment was put into a " Suspense Account '' and I was forced to make an additional payment. After arguing with them for over 6 hours spanning 3 days and speaking to the Customer Service Dept., Escrow Dept., Insurance Dept., it still has n't been corrected. Now they are stating that I owe XXXX times the amount of my " new '' payment amount and nothing has been done accept that they returned my 2nd forced payment. Luckily I working iin Escrow as an Assistant and Officer and know what I 'm doing. I feel horrible for those who do n't know what they are doing and have to go through this. *Side Note. Nationstar Mortgage is settling a lawsuit for their Forced Place Insurance practices. It looks like they are up to it again.
Company Response:
State: CA
Zip: 92646
Submitted Via: Web
Date Sent: 2016-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-02-26
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I contacted Nationstar Mortgage about doing a loan modification. I was told that starting XXXX XXXX my payments would go to a modified amount of {$870.00} and would be in a trial period for the next 4 months. In XX/XX/XXXX, I still had not received any modification paperwork from Nationstar. I called Nationstar and spoke to someone and they told me to go ahead and make the {$870.00} payment which I did. I made {$870.00} payments in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. At that time, I decided that it was best to do a cash-out refinance with another company because I did n't like the way that things were going with Nationstar ; nor did I like the lack of contact with XXXX XXXX my " dedicated loan specialist ''. ( I emailed him numerous times and never received a response ). Starting XXXX XXXX, I went back to making the {$1000.00} mortgage payments and have done that since that time. I found out in XXXX XXXX Nationstar put on my credit that I had a 30 day past due balance of {$430.00}. Although they put that on my credit Nationstar mailed me a check in the amount of {$580.00} on XXXX XXXX, XXXX. I contacted Nationstar about this {$430.00} balance that they claimed I owed. I asked them if I owed money why was n't the {$430.00} taken out of the {$580.00} check before any money was mailed to me. The representatives answer was that the {$580.00} was n't enough to cover a mortgage payment so they mailed it back to me and {$430.00} was the remaining difference between the {$580.00} and the remainder of my mortgage payment. That is incorrect because {$580.00} and {$430.00} totals {$1000.00}, which is not enough to cover my mortgage payment. She also informed me that when I made the {$1000.00} mortgage payment in XX/XX/XXXX that money was put on my account for XX/XX/XXXX. ( Take it that I had already made the modified payment of {$870.00} in XX/XX/XXXX ). So every month that I have made my mortgage payment it has been posted for the previous month. So XX/XX/XXXX 's payment went towards XX/XX/XXXX, XX/XX/XXXX 's payment went towards XX/XX/XXXX, XX/XX/XXXX 's payment went towards XX/XX/XXXX, and so on. It now looks like I 'm a complete month behind on my mortgage payment when I am not! I do not see how they can put a payment on a previous month when it has already been paid. They have also given me several late fees, etc. Now they are saying that I owe over {$2000.00}. I disputed this on my credit report ( XXXX ) and the results came back on XXXX states that historical account information was deleted from my account and has been updated. It also states the prior paying history on this account has been updated. Nationstar has not updated anything! I have called them several times and can not get an accurate answer as to what is going on with my account. They have XXXX past 30 day marks on my credit report for XX/XX/XXXX and XX/XX/XXXX ( when I was in the modification period, as well as XX/XX/XXXX XX/XX/XXXX, and XX/XX/XXXX ). I have contacted everyone trying to get this situation cleared up and get these negative marks off my record.
Company Response:
State: TX
Zip: 75067
Submitted Via: Web
Date Sent: 2016-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-02-24
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I am a 3rd party negotiator working on a short sale. I have submitted all requested documents and I have pursued responses from the servicer so that I present any deficient documents and keep the process advancing. This file has gone to 'to underwriting review ' five times. I want a complete and thorough review of the file so that the required valuation and ATP can be arranged as required by FHA/PFS guidelines.
Company Response:
State: MO
Zip: 63021
Submitted Via: Web
Date Sent: 2016-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-02-24
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: My property was foreclosed on while under Bankruptcy protection by NationStar Mortgage Services, I had filed a bankruptcy petition on XXXX/XXXX/2016 and my property was schedule for action on XXXX/XXXX/2016. I was under the XXXX XXXX XXXX which I believe was violated by my lender.
Company Response:
State: CA
Zip: 90715
Submitted Via: Web
Date Sent: 2016-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No