Date Received: 2016-02-05
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: Dear Consumer finance, I am writing to you about my principle residence on XXXX XXXX XXXX XXXX XXXX. I have been trying to get a loan modification from Nation star for over two years and before that with XXXX XXXX XXXX who was the previous servicer. Even though the HUD councilor and my accountant and loan officer said that I am qualified to get a loan Modification, Nation star continues to deny my LOAN modification. In the spring and summer my husband and I travel to state and county fairs with our business and do very well but in the fall and winter the business is slower. When I submitted my loan package XX/XX/XXXX, they gave me a trial in the beginning of the fall that was double my original payment. My accountant said that it was unacceptable ; it was just setup to make me fall behind my payments again. So I resubmitted my loan package but the income was a bit lower because of the season. I have asked them many times, to communicate with me through email because of my business travels, but only after I have complained to the Customer Relations, did they assign someone. XXXX XXXX was communicate with me which was very productive, but shortly after, they took her off the case. No email communication after that. I have had about XXXX+ point of contacts ( the current one is XXXX XXXX ) and none of them has ever contact me. I have left many messages but no return calls. Very often I get an automated call on my cell after their offices have closed for the day. And when I call the next day, I get to speak to someone abroad ( their outsource servicer ) who generally asked me for items I have already submitted. I complied with everything they asked for but so far no communicate through email which makes it very difficult with my business travel. On XXXX/XXXX/2016, I spooked miss XXXX, and asked if i can have an email to communicate with my point of contact and she said that it is not possible. I told her that I will be traveling and phone communication may not be possible and I would like my husband to be the contact person in my absence. I did this a year ago and shortly after that, they sent a letter of denied loan modification, they figured that I was away and there will be no recourse from me and they can foreclose on my home in my absence. But fortunately, my trip was postponed this time and I was here to get the bad news of denied loan modification due to negative disposable income. This is very incorrect according to my loan assistant. They have previously done this using the wrong income or very old info to disqualify me. I strongly feel that because of my ethnic origins or religion, they are refusing to give me a doable or practical loan modification. Please, please help me in this matter. I beg you. Sincerely XXXX XXXX
Company Response:
State: CA
Zip: 92117
Submitted Via: Web
Date Sent: 2016-02-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-02-04
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I am writing to file a complaint against Nationstar because of their predatory lending practices reporting negative item for last 9 years Illegally appraisal of my house at $ XXXX in XXXX. All comparable were XXXX to XXXX. they illegally compared the house form outside the subdivision to get XXXX unlawfully Charged 7.87 % interest on my house Dishonestly started foreclosed process in XXXX and took my home from my family. ( See Court Process ) Unlawfully reporting negative and foreclosure in my credit file since last 9 years a. XXXX and Nationstar has changed the date for last delinquent payment date so they can report negative item until XXXX After 9 Years -I am still ca n't buy house because they have changed the date of my last delinquent payment with XXXX It should be only for 7 years
Company Response:
State: TN
Zip: 37920
Submitted Via: Web
Date Sent: 2016-02-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-02-04
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I am in the United States XXXX and have a family of, including XXXX children under the age of XXXX. I was XXXX last year for 6 months. During this time, my wife, XXXX XXXX, contacted our bank Nationstar, to discuss the possibility of a short sale or deed in lieu of foreclosure ( DIL ). She started this process in XXXX of XXXX. We were assigned our Single Point of Contact ( SPOC ), XXXX XXXX, on XXXX/XXXX/XXXX, who informed us that the initial paperwork would be sent immediately. On XXXX/XXXX/XXXX, we spoke with XXXX in the Customer Service department, who informed us the paperwork was never sent. We received the paperwork about 2 weeks later. On XXXX/XXXX/XXXX, we spoke to our XXXX, who informed us that the appraisal was received, which contained the fair market value and specified the home was affixed to the ground. Between XXXX/XXXX/XXXX and XXXX/XXXX/XXXX, we left multiple messages with XXXX, including a message through the DIL department. On XXXX/XXXX/XXXX, we were notified that a survey needed to be conducted and the VIN number of the home was required. We were notified on XXXX/XXXX/XXXX that the final paperwork was in progress and we should have a final answer soon. We did not hear anything for almost a month, so we called on XXXX/XXXX/XXXX, but could not reach XXXX, so a message was left and a follow up e-mail was sent to inform him I could no longer make the payment on the home, as my XXXX was now over and I was no longer receiving extra pay. On XXXX/XXXX/XXXX, we spoke to XXXX, who told us a request was sent to the attorneys regarding our title. We made attempts to contact XXXX multiple times in XXXX and XXXX, including leaving voicemail and speaking to his manager. We have heard nothing regarding our DIL status until XXXX/XXXX/XXXX, when I received a call from the bank asking if I had any questions about my loan to which I only had XXXX, can someone please provide me with a status of my DIL. I was informed my DIL was denied because of a failure to resolve a title issue and that a letter was in the mail to me. On XXXX/XXXX/XXXX, I called to get more information and was told the letter was never sent. XXXX XXXX from the bank told us that the DIL attorneys notified the bank that paperwork XXXX was required stating the home was affixed to the ground at the beginning of XXXX. Due to my financial status, I have been unable to make my payments and have actively hunted for renters, with no luck. The bank has placed my home in abandoned status, which lead to the insurance company dropping the required insurance. Due to this, the bank has started charged me fees for insurance. I do not understand how the bank purchased the servicing rights to my loan from XXXX XXXX XXXX without a clear title or without proof the home was affixed to the ground. I attempted to provide all I could to show them it was affixed, but I feel the burden should fall to them when they are making an important loan modification decision. In my opinion, NationSTar did not fulfill their fiduciary responsibilities to me, as a customer, in a time of need. Additionally, their lack of communication caused a lot of additional stress on my wife as she felt in the dark during the situation, while I was in XXXX and she was home with our XXXX children. I understand that since this purchase was not prior to my XXXX Service, that I am not eligible under the SCRA ; however, I believe NationStar was in violation of the regulations under UDAAP for the way in which they handled my DIL request
Company Response:
State: NC
Zip: 28547
Submitted Via: Web
Date Sent: 2016-02-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-02-04
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: We purchased our home in XXXX and the loan was sold to NationStar in XXXX. Due to the market crash of XXXX, the value of the home never recovered. We moved to a different state and began renting the house in XXXX due to better job opportunity. At the 10 year mark, the ARM Loan reset with Nationstar to a 20 year fixed rate mortgage, about double our current monthly loan amount. No notification was sent, no updated paperwork, nothing, just automatically reset. My wife contacted them ASAP and began the modification process and was advised that the modification was in the terms of XXXX. Disputing this, we decided to move ahead with a modification to retain ownership of the property which we have been renting with a property manager since XXXX XXXX. We submitted pay statements 4 times ( via email and to their upload site ), letters of explanation three times, lease agreements on the home we are renting four times, rental agreements between the property manager and renters three times, property management agreements between us and the property management company three times, bank statements twice, etc. over the course of four months. Now, we get approval in early XXXX and were advised that paperwork on the modification would be coming ... no details other then payment will be about {$150.00} less then the refi 'd amount. Week goes by, two weeks go by, three weeks goes by and my wife receives a phone call, advised it is recorded and was pressured to agree to the new payment. My wife countered by saying..wait, we have not seen any paperwork ... what are we getting for interest, loan type, etc? Woman acted surprised and said she would email but wanted confirmation that we would pay ... WITHOUT SEEING ANY PAPERWORK. What sort of high pressure pushing is this? My wife confronted her about this and said she would email ... We both do not feel this is legal or a fair way to do business ... pressure people to approval a loan payment without any paperwork in front of them.
Company Response:
State: CO
Zip: 801XX
Submitted Via: Web
Date Sent: 2016-02-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-02-04
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I started my Deed In Lieu of Foreclosure in XXXX of XXXX. After several attempts to contact the bank and being told that the missing paperwork letter that we received was automatically sent out. On XXXX/XXXX/XXXX, we were assigned our lone specialist, XXXX XXXX. On XXXX/XXXX/XXXX, we called and spoke with the customer service representative, XXXX, who told us that the paperwork should have been sent within the first 48 hours but the system showed that the paperwork was not sent until two weeks later. On XXXX/XXXX/XXXX, was transferred through XXXX representatives until XXXX answered his phone. He stated that XXXX. appraisal, containing fair market value and specific details of the home including being permanently affixed to the ground, was completed and was only waiting on the title. XXXX/XXXX/XXXX XXXX had received the title and stated that he " found everything we needed to clear title. '' XXXX/XXXX/XXXX, attempted and failed to contact XXXX, left a message. XXXX/XXXX/XXXX, spoke with deed in lieu department who is leaving a message for XXXX to call. XXXX/XXXX/XXXX, we were notified that a survey needed to be done and the VIN number was needed. XXXX/XXXX/XXXX we were told that the final paperwork was being prepared. XXXX/XXXX/XXXX, called but could not reach XXXX, left message and emailed to notify that I could no longer afford to make the mortgage payment because I had returned from deployment and was no longer receiving extra pay. XXXX/XXXX/XXXX spoke to XXXX who said he spent request to attorneys on XXXX/XXXX/XXXX. XXXX/XXXX/XXXX called and could not get in contact with XXXX, was given Manager 's POC. XXXX/XXXX/XXXX called for update, Spoke to XXXX XXXX, who could not locate XXXX. Received phone call on XXXX/XXXX/XXXX from bank asking if I had any questions about my loan, after being asked the status of my Deed in XXXX, I was told my application was denied because of a failure to resolve the title and a letter was in the mail that stated the specific details. XXXX/XXXX/XXXX, called to get more details because the letter had not come and was informed that the letter was never actually sent. Spoke to XXXX XXXX about my case and was told that the attorneys notified them that they need paperwork from the county stating the home is affixed to the ground at the beginning of XXXX. No request for the information or contact of any kind was sent to me. Requested to have a copy of bank notes on the account sent to me via email and was told they could not send me notes on my account. The request was denied XXXX/XXXX/XXXX. Due to the home being undergoing the Deed in Lieu process, being unable to sell or rent, the home has been place in an abandoned status and the insurance company has dropped the insurance requiring the bank to charge me fees for insurance while they prolong the process.
Company Response:
State: NC
Zip: 28547
Submitted Via: Web
Date Sent: 2016-02-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-02-04
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I have called Nationstar Mortgage multiple times to the so called 'reserve ' requirement removed from my monthly mortgage payment. They try to tell me that it 's a 'federal ' law ; sorry, it is not a federal law - it 's their company adding almost {$500.00} on my payments per year. Which I would be getting back at the end of the year because there will be an overage in my escrow account.
Company Response:
State: WI
Zip: 54302
Submitted Via: Web
Date Sent: 2016-02-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-02-05
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I have a home Mortgage from Nationstar Mortgage, on the first day of the month I will receive a call from one their employee asking me when I will pay my mortgage. Most months I pay my mortgage on the XXXX day of the month on other months it may on the XXXX day, but I always pay ontime. I would like for Nationstar Mortgage to stop calling me unless my payment reaches them after the XXXX of the month. The calls are very condescending and the calls come when I am in meetings, they do n't seem to care when they shame me. Thanks
Company Response:
State: CA
Zip: 95624
Submitted Via: Web
Date Sent: 2016-02-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-02-04
Issue: Application, originator, mortgage broker
Subissue:
Consumer Complaint: NATIONSTAR AND FREEDOM MORTGAGE ARE GUILTY OF FRAUD ~ The HUD/Truth in Lending Statement and the Escrow Disclosure statement on the loan origination had intentional fraud and items were left off to make the loan payment appear lower. This caused major escrow errors later and a near loss of the home from the fraud. On two separate occasions, the payment almost doubled, from {$800.00} to {$1400.00}. Nationstar made us aware of this loan origination fraud in XXXX 2015 but later, in an attempt to collect payments, repeatedly denied it. They even lied to government investigators to cover it up. Specifically, Nationstar was dishonest on the phone and in an official government CFPB filing when it denied having access to any paperwork from the prior servicer. We have repeatedly requested that they follow the law and rescind the loan due to intentional fraud. They have repeatedly lied and denied our request. ***Attached is a letter from XXXX confirming the loan fraud and also confirming our request to execute our right to rescind the loan due to intentional fraud***
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 34293
Submitted Via: Web
Date Sent: 2016-02-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-02-03
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: My complaint surrounds the illegal execution of a foreclosure sale completed on XX/XX/2015.I have requested on multiple occasions for XXXX XXXX , XXXX. ( XXXX ) located at:XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX, to provide me with proof of service, as well as all copies and documented effects relating notice of foreclosure pending for XXXX XXXX, 2015. It is a fact, that I did not receive notice from XXXX, nor Nationstar Mortgage Servicing ( NSM ) my lender. At no point was information or dialogue ever reciprocated to me that that there was a pending foreclosure action scheduled for my property. New Jersey foreclosures are administered through the court system. RULE 4:64. Foreclosure of Mortgages, Condominium Association Liens and Tax Sale Certificates. We received no copies nor summons of the original foreclosure complaint action filed within XXXX XXXX XXXX XXXX. Therefore rendering our right to due process in effective in regards to unbeknownst Docket NO. XXXX civil action. XXXX, has failed to provide the following documents required to be filed prior to conducting foreclosure and have violated fair foreclosure act n.j.s.a. 2a 50-53 : I have requested case numbers pertaining to these foreclosure filings and XXXX has refused my requests in their entirety and my following requests are still being ignored : - Notice of Election and Demand. - Original Evidence of Debt, or a copy of the Note and Certificate of the Owner and Holder of the Evidence of Debt, or a Corporate Surety Bond in the amount of one and one-half times the face amount of the original Evidence of Debt. - Original Deed of Trust or certified copy, or copy with certification letter - List of names and addresses of parties to receive notice. We implore your office to investigate this matter immediately, as BMP which is considered a foreclosure mill purchased in addition to failed to, provide Notice of sale must be mailed to homeowner ( and all parties who appeared in the action ) at least ten days before sale, as well as posted on the property and in the sheriff 's office, and published in XXXX newspapers for four weeks. We are forwarding to additional bank regulatory agencies.
Company Response:
State: NJ
Zip: 08723
Submitted Via: Web
Date Sent: 2016-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-02-03
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: My loan started with XXXX then sold off to XXXX and now is with Nationstar Mortgage. Since XX/XX/XXXX I have been with Nationstar and they have now TWICE, took out double payments for the months payment. Example in XX/XX/XXXX they took out XXXX then three days later {$720.00}. Now we are in XX/XX/XXXX, they took out {$720.00} XXXX XXXX and another XXXX on XXXX XXXX. Also, they have been trying to charge me a {$25.00} fee due to insufficient funds in my account when they took the second payment out in XX/XX/XXXX as an unauthorized ACH. Do not bank with them, with will be nothing but nightmares, I have made 4 calls to them and nothing was done. Finally tonight NationStar conferences called my bank to reverse the unauthorized payment for XX/XX/XXXX and I have to file paper work now. -pure nightmare
Company Response:
State: MA
Zip: 02360
Submitted Via: Web
Date Sent: 2016-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No