Date Received: 2016-02-25
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I was given a homeloan by XXXX XXXX MORTGAGE XXXX of {$80000.00} and I was XXXX and receiving SOCIAL SECURITY {$600.00} /month.This loan was transferred to several banks that i can not keep up and did not know who really owns the note.This loan amounted to XXXX the amount of the original loan that made me difficult to make payments.I was advised by XXXX XXXX XXXX XXXX stop payment and i will qualify for HOME MODIFICATION, I follow the advice untill my arrears become so high and I was forclose and sold my property on auction XXXX.Nobody offered to buy my property and I was told that it belong to XXXX XXXX XXXX AS SUCCESSOR TRUSTEE TO XXXX XXXX XXXX BANK , XXXX , AS FOR THE HOLDERS OF XXXX XXXX TRUST XXXX, MORTGAGE PASS-THROUGH CERTIFICATES SERIES XXXX XXXX filed Bankruptcy Chapter XXXX hoping these bank will allow me to modify the loan, I was not given a chance to appear on XXXX hearing and the JUDGE XXXX XXXX UNITED STATES BANKRUPTCY JUDGE OF XXXX XXXX OF CALIFORNIA granted TRUSTEE MOTION FOR RELIEF FROM AUTOMATIC STAY .The XXXX hearing was held U.S. BANKRUPTCY COURT XXXX XXXX XXXX XXXX XXXX XXXX CALIFORNIA., My rights as citizen and homeowner was violated.I was never given a chance to defend my self and that I have the physical possession of TRUST DEED, TRUTH AND LENDING ACT, AND ORIGINAL NOTE OR SECURITY INSTRUMENT in my name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX.
Company Response:
State: CA
Zip: 902XX
Submitted Via: Web
Date Sent: 2016-02-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-02-24
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I am in danger in having my home foreclosed upon by Nationstar Mortgage. I need help. I am behind on my payments and have gotten no help from my lender. I went through the state of Oregon required foreclosure prevention program. I proved financial hardship caused by unemployment, painful divorce and new job paying much less than my old one. My then wife and co borrower left me for other men after thirty years together. She has since filed quit claim deed on property and has nothing to do with it now. I sent all the documentation that the lender required. Lots of forms, tax info and the like. I asked for a lower, affordable mortgage payment so I could stay in my house. I asked for debt forgiveness on my past dues. No solutions, government plans, or help has been offered at all. I had n't heard from my lender in a couple months, at least, then I received a letter from their law firm stating that they would seek a default judgement against me. I want a fair chance to save my house for my daughter and myself. Nationstar has not dealt with me fairly from the beginning. They have shown no interest in helping me save my house. Please help.
Company Response:
State: OR
Zip: 974XX
Submitted Via: Web
Date Sent: 2016-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-02-24
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I was applying for a Laon modification thru XXXX, and the mortgage company told us that the propety was on foreclosure sell since XXXX/XXXX/2016. Which I was not notify about the action Being taken. I was not notified
Company Response: Company believes it acted appropriately as authorized by contract or law
State: LA
Zip: 70056
Submitted Via: Web
Date Sent: 2016-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-02-24
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Nationstar mortgage co. play a game with me for four years, I can pay, but they do not modify the mortgage. The account number is XXXX. I was robbed from many sides and my house was damaged and my XXXX was destroyed, so I could not pay for few months. I could pay after that, but they said I should apply for modification. Four years they played a game with me and collect a lot of late fee and attorney fee and now because I have a lot of equity in the house they want to forclose the house that I live in for 16 years. I am XXXX years old and worked 45 years as XXXX. I can pay now, but they want the whole money and do not coopeate and or make modification. I paid also a co. for reverse mortgage, but they sharge money and they did not do the reverse mortgage. It is not fair and just as I was robbed and they misused my situation.
Company Response:
State: FL
Zip: 32765
Submitted Via: Web
Date Sent: 2016-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-02-23
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I have a Fixed Mortgage Loan in the amount is XXXX I have been paying Mortgage Insurance Premium ( MIP ) {$670.00} The Mortgage company did n't remove the MIP when a reached XXXX % of the mortgage loan. According to the MORTGAGE INSURANCE ANNUAL DISCLOSURE Automatic Termination of PMI : If you are current on your loan payments, PMI will automatically terminate on the date the principal balance of your loan is first scheduled to reach XXXX % of the original value of the property. If you are not current on your loan payments as of that date, PMI will automatically terminate when you thereafter become current on your payments. In any event, PMI will not be required on your mortgage loan beyond the date that is the midpoint of the amortization period for the loan if you are current on your payments on that date. I Reached XXXX % on my loan {$89000.00} back on XXXX XXXX, 2013 XXXX/XXXX/2013 Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/2013 Payment XXXX XXXX XXXX XXXX XXXX XXXX The Balance in my house is {$24000.00} and I am requesting the full refund of my MIP overpayment since I reached XXXX %. Thank you in advance for you help.
Company Response:
State: TX
Zip: 75181
Submitted Via: Web
Date Sent: 2016-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-02-23
Issue: Application, originator, mortgage broker
Subissue:
Consumer Complaint: On XX/XX/XXXX, I sent to XXXX " dba '' XXXX, XXXX, California, 4 QWRs & Notice of Default for failure to respond & return 4 sets of EFT Debt Discharging Instruments sent to XXXX, totaling over {>= $1,000,000} from me without any response/DEFAULTED. I forwarded complaint to CFPB. I have sent a Fiduciary Request Reconveyance under Evidence # XXXX to XXXX, XXXX dated XX/XX/XXXX CM # XXXX with no response/DEFAULTED. I sent Exhibit # XXXX Fiduciary Request Reconveyance to XXXX, XXXX XX/XX/XXXX CM # XXXX. It was sent to XXXX, XXXX, Iowa with no response/DEFAULT. I QWR'ed XXXX without response/DEFAULTED and XXXX switched to XXXX of XXXX, XXXX, Colorado XXXX without answering the QWRs/DEFAULTED. I QWR'ed XXXX with Exhibit XXXX, Notice of Validation of Debt dated XX/XX/XXXX CM # XXXX and XXXX switch to XXXX XXXX dba '' the XXXX " dba '' Nationstar Mortgage , LLC, ( XXXX ), XXXX, Virginia without answering the QWR/DEFAULTED. On XX/XX/XXXX, I sent a QWR, to ( XXXX ) Evidence # XXXX with CM # XXXX with no response/DEFAULTED. On XX/XX/XXXX, I submitted a Qualified Written Request ( QWR ) CM # XXXX to XXXX and XXXX " dba '' Nationstar Mortgage , LLC with no response/DEFAULTED. I have subsequently submitted XX/XX/XXXX, Affidavit Of Notice, Bill of Particulars - Demand & Discovery & Disclosure Evidence # XXXX CM # XXXX to ( XXXX ) Nationstar Mortgage LLC with no response/DEFAULTED. On XX/XX/XXXX, I sent an Affidavit of Fact, Notice of Default Judgment for Failure to Respond According to the Rule of Discovery, Tacit Agreement Evidence # XXXX CM # XXXX to ( XXXX ) " dba '' Nationstar Mortgage , LLC with no response. On XX/XX/XXXX I sent Affidavit of Fact, FAILURE TO RESPOND TO QUALIFIED WRITTEN REQUEST ( QWR ) CM # XXXX to XX/XX/XXXX " dba '' Nationstar Mortgage , LLC & XXXX " dba '' XXXX, XXXX, Texas XXXX Evidence # XXXX with no response/DEFAULTED. On XX/XX/XXXX. I sent an Affidavit of Fact, Notice of Judgment for Failure to Respond According to the Rules of Discovery to XXXX Nationstar Evidence # XXXX same CM # as XXXX. I sent an Affidavit of Fact, QWR, Demand & Discovery to XXXX of XXXX dated XX/XX/XXXX, Evidence # XXXX CM # XXXX with no response/DEFAULTED. On XX/XX/XXXX, I sent an Affidavit of Fact, QWR, Bill of Particulars Evidences # XXXX, XXXX to XXXX " dba '' Nationstar MortgageCM # XXXX with no response/DEFAULTED. On XX/XX/XXXX I sent an Affidavit of Fact, QWR to XXXX " dba '' XXXX & XXXX " dba '' Nationstar Mortgage , LLC Evidence # XXXX CM # XXXX & XXXX with no response/DEFAULTED. On XX/XX/XXXX I sent Evidence # XXXX, Bill of Particulars, QWR, Demand for Discovery & Disclosure to XXXX, " dba '' Circuit Court for XXXX XXXX Maryland, XXXX, XXXX, Maryland XXXX with no response/DEFAULT. I have sent Notice of Default Judgment on XX/XX/XXXX to XXXX & XXXX of the Circuit Court for XXXX XXXX Maryland CM # XXXX & XXXX at great cost to me. I ca n't prepare a defense without responses to QWR 's, Discovery & Disclosures because I do n't have any proof of validity of debt and/or identification of the claimants involved. I do not have proof of a mortgage with the claimants.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 207XX
Submitted Via: Web
Date Sent: 2016-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-02-23
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Hello my name is XXXX, I am purchasing a home that has a reverse mortgage and is a short sale. The short sale lender is refusing to pay the past due property taxes. After doing some research, I came across a master servicing agreement that states ; its the servicers responsibility to pay the property taxes. So why am I being forced to pay a fee that is the servicer responsibility as per this agreement. They are forcing this additional cost, which may cause me to have to come up with an additional {$4300.00}. Also, since they owned the home prior to me closing, should they not provide me a credit proration on my CD from XX/XX/XXXX till the day of closing, and how would this work if I 'm being force to pay such fee?
Company Response:
State: FL
Zip: 33071
Submitted Via: Web
Date Sent: 2016-02-23
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 received information from XXXX ( XXXX ) XXXX XXXX-Senior Case Manager ' stating that a violation had occurred with my mortgage. The " Deed of Trust '' and the 'Note '' had been separated by NationStar XXXX I was told by XXXX XXXX that a law firm by the name of XXXX XXXX XXXX ( XXXX ) could fix the issue for {$4000.00} and it would take four months to resolve. XXXX XXXX state that my rate would be lowered to 3 % and all late payments forgivened. I need to know ifthis is true or is this a scam!
Company Response:
State: NC
Zip: 283XX
Submitted Via: Web
Date Sent: 2016-02-24
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-02-23
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: My loan was refinanced under HAMP XX/XX/XXXX-XX/XX/XXXX. XX/XX/XXXX I received a letter From Nationstar Mortgage that I qualify for the {$5000.00} principal reduction because I was in my 6th year with no late payments. I just need to fill out the form ( XXXX ) and return it to them. I sent the letter XX/XX/XXXX. By XX/XX/XXXX I did not hear back from Nationstar. A couple more months went by and XX/XX/XXXX I reached to Nationstar and was told it was denied because it was after the deadline of XXXX XXXX. Even though they told they received the letter almost 3 months earlier. Then I spoke to a CSR on the phone they told me I was denied because the form was filled out incorrectly. My wife & and I signed the form, but only put the last XXXX digits of our SS #. Even though we were never contacted or received any correspondence regarding missing information as they stated. the form was received so I sent an email to get a confirmation. They responded saying they received the letter and would contact me if additional information was needed called and emailed Nationstar if my form was received with no response. Finally I got a person in the research department that said it was an error by Nationstar and we would receive the principal credit.Then in next month I received a call regarding refinancing my loan. I asked specifically if I refinance the loan under HARP if it was affect us getting the principal reduction. I was told it would not affect and that Nationstar would either send us a check or deduct the new loan. Now that the loan was refinanced XX/XX/XXXX Nationstar is saying the loan does no qualify because to was paid off. At every turn Nationstar dragged their feet getting me information, answers, the opportunity to correct any errors and flat out lied about the pay incentive program to make money on a refinance I would not have done. If they were doing this to me they have done it to others. This could have been avoided with a simple phone call, email or letter stating it was denied so I could have sent an corrected for which was only missing the beginning of our SS # s.
Company Response:
State: IL
Zip: 60074
Submitted Via: Web
Date Sent: 2016-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-02-22
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: My FHA home loan was sold from XXXX XXXX XXXX to Nationstar about 2 years ago. During the past 2 years I have repeatedly asked to be provided an itemized list of debits and deposits to my escrow account ( my county property tax, mortage insurance premium and home owners insurance are handled through the escrow account ). I believe I have been overcharged mortgage insurance often times being charged 2 to 3 times a month for mortgage insurance. Suddenly XX/XX/XXXX my MIP decreased from XXXX to XXXX without explanation. Further I have had to demand this information because until about 2 months ago it was not provided on my statements.
Company Response:
State: CA
Zip: 95901
Submitted Via: Web
Date Sent: 2016-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No