Date Received: 2016-02-02
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Nationstar Mortgage as you are aware from my previous complaint that was never settled illegally entered my property, threw out my renters stole my personal property including tv 's, furnishings, dishes and proceeded to allow the the pipes to freeze causing in excess of {$100000.00} in damages and loss of value. I sued them and they apparently threatened or payed off the judge that handled the case as before the jury trial the judge decided that it was okay for them to do that. Nationstar parent company runs the XXXX XXXX XXXX and has mass control and influence in the community. They used this influence to commit massive crimes against me to the point of having XXXX XXXX of the XXXX XXXX XXXX 's office threaten to arrest me should I go to my own property. The property was not in forclosure at the time and I had called Nationstar to get a payoff as I had the property sold for substantially more than what was owed to them. The property is now damaged and worth less than half of what is owed. They have proceeded to tack on fees and expenses after finally applying to have a sale and refused to release the cure or payoff amounts to XXXX XXXX. Thus costing me an additional XXXX XXXX or more dollars just to cure the loan. Some of these fees were deemed illegal as the original firm handling the foreclosure was charged with crimes and forced out of business by the state attorney generals office. I am still being charged these fees. I am attaching the cure statement showing these charges. This property was in perfect condition and had renters in it when they took possession of the property. It did not require anything. They have broken every law imaginable against me and my property and I expect JUSTICE! I would have had the property sold and money in my pocket with the loan paid in full, but they do n't get paid for that they get paid to service the loan and the more fraudulant they are the more they get paid. This crime was committed against me and XXXX XXXX as they are the real holders of the note even though Nationstar keeps claiming in all the court paperwork that they own the note. They are criminals and belong in jail for theft, conspiracy, fraud and other crimes. I appreciate any help you can give me. I am happy to publish my number and name so anyone can contact me regarding my proof. XXXX XXXX XXXX XXXXXXXXXXXX
Company Response:
State: CO
Zip: 802XX
Submitted Via: Web
Date Sent: 2016-02-02
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-02-03
Issue: Application, originator, mortgage broker
Subissue:
Consumer Complaint: XXXX does n't have my information right like XXXX
Company Response:
State: TN
Zip: 38305
Submitted Via: Web
Date Sent: 2016-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-02-02
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I received an escrow analysis from Nation Star Mortgage saying I will have a shortage in XX/XX/XXXX so my payment will be raised. While reviewing disclosure I stated in XXXX XXXX no escrow was taken. Actual Payment stated o amount. On actual balance between XX/XX/XXXX and XX/XX/XXXX show same amount in XX/XX/XXXX and XX/XX/XXXX. I know I paid the {$180.00} which is the monthly escrow amount because my mortgage payment XXXX was exactly the same. When I called for explanation the rep. said yes I paid but could not explain why statement shows XXXX paid in XXXX. She said she would sent a record of mortgage payments made. I do not trust Nation Star Mortgage. They have a XXXX rating with XXXX. They are not certified with XXXX any more. They also sent me a PMI disclosure statement saying they were taking PMI from me but when I called they said no they just sent these to everyone. In XX/XX/XXXX or XX/XX/XXXX I applied for Homes Made Affordable. First they said they lost my paper work. They had purchased my mortgage from XXXX. They told me I was behind a payment with XXXX which I was not. they also said my escrow was short. When they finally approved homes made affordable loan my payment only went down {$16.00}. a month. I contact the state of WI they found I was supposed to receive {$1000.00} a year for 5 years for making my payment on time. They also made Nation Star adjust my Homes Made affordable loan and my payments were lowered by over {$200.00} a month My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone XXXX Mortgage Co. Nationstar Morgaage XXXX XXXX XXXX XXXX , XXXX XXXX Loan # XXXX My ss # XXXX
Company Response:
State: WI
Zip: 531XX
Submitted Via: Web
Date Sent: 2016-02-02
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: I made a request to Nationstar Mortgage to cancel the ongoing private mortgage insurance. A few weeks after a home inspection by an authorized Nationstar approved appraiser, I received a form letter with a reason checked off that my mortgage balance had not reached a qualifying percentage of the " Original Value '' meaning the contract sales price of the property. I called the phone number associated with the appropriate department at Nationstar and was told that the correct percentage is not computed on the home 's contract sales price but on the amount financed through the mortgage. I believe this to be incorrect and attempted to explain my views to no avail. What is the correct way to calculate a balance subject to the PMI? The contract purchase price of the home was {$400000.00} with the remaining balance of approximately {$280000.00}.
Company Response:
State: NV
Zip: 89074
Submitted Via: Web
Date Sent: 2016-02-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-02-02
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I have been told that I can not make an online payment. I called to make a phone payment and was told that they would not accept XXXX. I was instructed to wire a payment through XXXX XXXX to immediately catch my account up. I did, through the XXXX XXXX website. The next month I received notice that my house had a foreclosure date set due to lack of payment. I called and offered to make the current payments but was told I had to pay the total ( including what I had wired ). I then faxed all of my receipts but the payment was not found. When I called XXXX XXXX to track the payment, I was told that they still had my money. Refunding the wire was the only option I was given. I have offered to pay all of the payments due, but now have {$4500.00} in fees added to the payments.
Company Response:
State: AL
Zip: 35215
Submitted Via: Web
Date Sent: 2016-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-02-01
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Nationstar mortgage company purchased my mortgage from XXXX in XXXX of XXXX. Since I had a conventional loan originally, I qualified to have my PMI removed after 2 years. I submitted the PMI removal request to Nationstar officially on XXXX XXXX, XXXX. They initially tried to tell me that I could not have it removed because of a late payment on the account, which happened only at the time that Nationstar initially transferred the loan over from XXXX, which happened without my knowledge. I made the XXXX payment to XXXX, they never cashed it, and the payment was never sent to Nationstar. I had been in communication with Nationstar all along about this, and even though the " official '' payment was a few days late, they agreed to not charge any late fees because they were aware of the miscommunication between the XXXX mortgage companies and I. Regardless, I waited until the official " wait time '' of 1 year with no delayed payments to check on the status, and after I called them today, they stated that my current Loan to Value ratio is at 90 %. When I asked them how they got to this figure, no one was able to answer that question for me. One person was able to give me the initial appraised value of my home at the time of purchase in XXXX, which placed my LTV ratio at 78 %, but still, no one could answer that 90 % amount, and they stated that if I wanted to remove the PMI, then all I needed to do was pay {$60000.00} toward my loan and then it might be removed. After going through XXXX different departments, I was finally told that I now need to re-submit the PMI removal request, and that they would send me a new form ( which i still have not received ) and start the entire process all over again. At this point, it is clear that they have no intention of removing the PMI from my account.
Company Response:
State: MD
Zip: 21601
Submitted Via: Web
Date Sent: 2016-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-02-01
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: In XXXX Nationstar Mortgage company bought my loan from XXXX XXXX XXXX. I did n't realize that my mortgage was being sold, my fault. Ever since they bought it I have had nothing but grief from that company. The balance in XXXX XXXX was {$68000.00}. The balance now is {$64000.00}. They sent me a letter dated XXXX/XXXX/XXXX saying that I have overpaid my Escrow by {$380.00} but because my escrow was changing they were raising my Loan payment by {$40.00} to cover the escrow this year. My taxes have lowered and no change in my insurance. I found out today that the insurance company that I have now is affilated with Nationstar called XXXX XXXX XXXX XXXX. I have made calls to Nationstar and the XXXX. XXXX XXXX. I got " call your insurance company '' from Nationstar, so I did. I got a representive from the insurance company who did alot of double-speak she admitted that My insurance had n't changed and to call Nationstar and gave me the same customer service number that I called. I applied for refinance with Nationstar in XXXX XXXX. They kept saying they would get back with me. 90 days later I was so fed up I told them I did n't want to refinance. The next thing I know I get the letter about increasing my monthly house payment. I am a XXXX citizen and am thinking about retirement. This arguing with this Mortgage company is getting upsetting for me. Can you tell me if this is a real company and if they are honest or not
Company Response:
State: MO
Zip: 65202
Submitted Via: Web
Date Sent: 2016-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-02-01
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I just got off the phone after being put on hold for over an hour with Nationstar Mortgage. My simple question is what is my current amount due with my next payment scheduled on XXXX/XXXX/XXXX. No one could tell me this information as they stated my escrow amounts have changed twice between XXXX XXXX and XXXX XXXX. Now I 'm in a situation where I do n't know what amounts are due for my next payment. This lack of clarity of their own process has created an extremely poor customer experience on my end and leaves me with zero confidence that the terms and calculations of my account are being clearly and simply communicated. It also brings into queston my assumption of several gaps in their processes as well.
Company Response:
State: NJ
Zip: 08094
Submitted Via: Web
Date Sent: 2016-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-02-02
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: In XX/XX/XXXX my wife and I did a mortgage modification with XXXX the payment of XXXX included principal, intreste, and the repayment of back taxes for 55 months. The loan was transferred to Nationstar mortgage who has now done an escrow reevaluation and are demanding I pay them XXXX starting XXXX. Our taxes and insurance will stay the same. I called Nationstar mortgage and asked to speak to a supervisior they kept me on hold 30 min then hung up on me. They are in violation of our modification with XXXX. My wife and I were in forclosure and had to file a bankruptcy this company Nationstar is being very unfair and illegal. This is causing my family much distress. By the way XXXX goes toward escrow each month x XXXX XXXX my taxes are only XXXX my homeowners insurance is XXXX per year the total for taxes and insurance are XXXX as you can see I have a positive amount of XXXX I hope someone at the CFPB is able to help our family in this stressful time thank you for your consideration.
Company Response:
State: WI
Zip: 531XX
Submitted Via: Web
Date Sent: 2016-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-01-31
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: XXXX XXXX XXXX Attention : Department of Consumer Affairs I spoke with a representative in your office on Friday, XXXX XXXX XXXX. I was instructed to send a brief detail of my current situation, in hopes your office can help me resolve this eight month issue, which at this point seems irresolvable. My previous mortgage holder, XXXX sold my mortgage to Nationstar Mortgage Company. I received a notice from XXXX on XXXX XXXX XXXX to notify me of this transfer which will go in effect XXXX XXXX. I received my first correspondence from Nationstar on XX/XX/XXXX with my account information and my first payment installment information. On this document it also listed a discrepancy of XXXX, in addition to my monthly contacted payment of {$500.00}. I immediately contact this new company Nationstar and spoke with a representative on XX/XX/XXXX in hopes this error on my loan transfer could be corrected. Since XXXX XXXX XXXX to date : I have had XXXX calls, XXXX emails and XXXX faxes of requested documents to Nationsatr Mortage and XXXX. I have spoken with over XXXX different representatives in many different departments, from Customer Service Representatives, Escrow Supervisors and Corporate Staff. Apparently, XXXX made an error when transferring my loan to Nationstar. All documents have been received by both companies and it was concluded that I do not and did not owe this discrepancies. The monies were to be resolved between the XXXX companies. ( XXXX sending Nationstar this {$1400.00} ) Unfortunately, for reasons I do not know, this payment has yet to been sent. Nationstar has been and is still billing me for this amount. This situation has become a huge burden on me and my family. Nationstar has put my account in a delinquent status and has charged me numerous penalties for this outstanding {$1400.00}. I have been beyond diligent to do all I know/ knew to do and all I was asked by both companies in order for this to be resolved. Unfortunately, I am exasperated, exhausted, overwhelmed and quite frankly saddened, that I, the customer, have been treated as though I have no value to these companies. I have stated to both companies from the beginning, I do not owe this money, nor do I have this money to pay. I am a single mother of XXXX. I work XXXX jobs and I live on an extremely low budget. I have all documents to substantiate the facts. I will email or fax upon your request. Below, I have listed the last XXXX representatives I spoke with and their contact information. Both assured me, this problem was resolved! Thank you in advance for taking the time to review this distressing issue. I pray your office will be willing to step in and assist. I honestly do not know where else to turn for help.
Company Response:
State: SC
Zip: 29803
Submitted Via: Web
Date Sent: 2016-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No