Date Received: 2016-01-15
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: Champion mortgage foreclosed on my father 's home under a reverse mortgage and refused to deliver the excess funds to his estate after the sale. I called Champion and the representative assured me that Champion is entitled to keep these funds.
Company Response:
State: UT
Zip: 84020
Submitted Via: Web
Date Sent: 2016-01-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-01-16
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I received a notification from Nationstar Mortgage informing me they had no record of my renters insurance for the coop apartment I own. Included was notice they purchased insurance in my absence, placed a balance due on my escrow account and intended to raise my monthly mortgage payment to cover this charge. I never received any prior notice of this, and I do in fact have current insurance I purchased from XXXX which I renew each year. After contacting Nationstar, a rep told me since they had taken over my mortgage from XXXX, some things were not settled and still being worked out, but they had no record of my coverage and claim to have contacted me previously by mail. I asked to e-mail proof of my coverage to them to resolve this, and they said it must be faxed. I asked to speak to a manager, was put on hold and hung up on seconds later. I faxed proof of my current, valid and fully paid insurance payment, with a letter requesting written notice of resolution of this matter, and have received no response. A follow up call to Nationstar resulted in me being hung up on XXXX without ever even reaching a rep after long waits to speak to a rep. I 've owned this coop apartment for over 7 years and never had any problem with this insurance issue when XXXX held my mortgage. It should not be my responsibility to fix Nationstar 's errors when they purchased my mortgage, but I have made a good faith effort to do so. Nationstar is difficult to contact, uncooperative ( how could they possibly refuse an e-mail confirmation of insurance coverage in this day and age? ), has failed to respond to my providing the required documents and has entered into an insurance contract to cover my property, without my knowledge or consent, which should be illegal. I am requesting that my account be cleared of this matter. I want the escrow balance removed from my account, the related intended mortgage payment increase to be removed and this insurance coverage purchased by Nationstar to be canceled, all at no cost to me as none of this is the result of my error. Thank you for your attention to this matter.
Company Response:
State: NY
Zip: 11561
Submitted Via: Web
Date Sent: 2016-01-16
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-01-16
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Dear Sir or Madam, Ever since XXXX XXXX XXXX sold our Mortgage Loan to XXXX, we have had nothing but problems. My husband and I back in 2009, tried to modify the loan. This was an absolute nightmare. After submitting information several times and going through numerous " scheduling '' of calls with Loan counselors, who when I finally got to talk to them, had nothing of substance to discuss or help me with and offered no guidance or help. They would tell me that I needed to get certain pieces of info. and schedule yet another call ( which were always 2 weeks later ) and take it from there, then it was like XXXX XXXX XXXX ... .. I would schedule call after call just to discuss separate pieces of my Loan Mod. Application. It made NO SENSE! I got nowhere and gave up. I have a file 3 inches thick with my application, with forms and notes and all the back up info that I scanned to them, which they claimed to never have received ... .. I finally gave up. With my husband laid off due the construction industry being very slow at the time, I decided to file bankruptcy. I believe that had I was given the chance to modify, I could have avoided filing for Chapter XXXX. About 4 years later or so, here I am now, and the loan was sold to Nationstar. Again, I am having issues which again stem from XXXX. I have had to have my bankruptcy attorney help me to get a simple answer about why my escrows all of the sudden went up {$300.00} per month! My taxes did not go up. The only thing that I did do was switch my Homeowners Insurer and my payment should have only gone up around {$30.00} a month, or less!! XXXX sent me XXXX copies of an Escrow Analysis which was XXXX or so pages, which raised my payment upwards of {$300.00} per month, and did not offer a clear reason why. I called and was given no explanation by XXXX. As a matter of fact, I was told " you were not supposed to see that ''. I did not know what that meant. I received a letter from XXXX after this saying my loan was transferred to NationStar. I called them for explanation and guidance, and got fuzzy answers from them. Nobody could explain the payment increase. They even told my attorney that they did not know what happened. I kind of let it go for a while, and then when I called in my payment for that month they would not take my normal payment. They would only take the payment with the increase of {$300.00}. I did not want to pay that because I did not agree with it and it is not in my budget being in Chapter XXXX, plus I was offered no reason why the payment increased! So, for the next several months I had to mail in my payments ( my normal payment NOT the payment with their increase calculations ), and my payments were late. In the meantime, I am having an attorney help me. After approximately 7 months, my attorney FINALLY got an answer ... .. my payment did increase but buy {$90.00}, not {$300.00} - however, I still do not why! I have the form and my loan number is crossed out, so I do n't even know if it is mine .... Right now, I am so confused. I have now incurred attorneys fees and late fees due to this error. I do not think I should be obligated to pay these fees due to XXXX error and Nationstar 's ignorance in its inability to explain the increase. Is there anything you can do to help me.
Company Response:
State: MA
Zip: 02048
Submitted Via: Web
Date Sent: 2016-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-01-15
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: Around XX/XX/XXXX or XX/XX/2016 I called Nationstar Mortgage and told them that I 've mailed via USPS Certified Mail a payment in the amount of {$6900.00} which was the total amount due to cure the default/delinquency. I even offered to give the USPS Certified Mail Tracking Number to the Nationstar Representative, but she told me that it was not necessary. The Representative told me she would enter this information ( payment being sent ) in the system. And that everything was good ; that the property is not in foreclosure. XXXX XXXX, 2016 I called Nationstar Mortgage to check on the status of my file. The Nationstar Representative tells me that Nationstar referred the file to Nationstar 's Foreclosure Attorney on XX/XX/XXXX ( one or two days after I spoke with them ) and that they were returning the {$6900.00} payment I made. The representative told me that now, in order to cure the default - I need to send Nationstar Mortgage {$8500.00} plus any Attorney Fees and other fees that Nationstar Mortgage had advanced. And that I had until XX/XX/XXXX to come up with the additional monies. Incidentally, the Nationstar Representative told me that she would request from Nationstar 's Foreclosure Attorney the amount of the attorney fees they charge ; which she added, could be anywhere from about {$200.00} to {$2000.00} or more depending on what the Foreclosure Attorney charges ; that she would know the exact amount next week. But one thing is for certain, I had until the end of the month ( XXXX XXXX, 2016 ) to come up with the additional monies. To re-iterate, during my phone call around XX/XX/XXXX or XX/XX/XXXX, Nationstar Mortgage lead me to believe that everything was going to be fine and that I had nothing to worry about. But on XX/XX/XXXX, I was shocked to learn that Nationstar Mortgage is foreclosing. I performed and paid in full the {$6900.00} what Nationstar Mortgage told me I owed to bring the loan current. It is clear that mistakes were made by employees at Nationstar Mortgage. And what Nationstar is doing in foreclosing my home and making me pay more costs is UNCONSCIONABLE.
Company Response:
State: CA
Zip: 92807
Submitted Via: Web
Date Sent: 2016-01-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-01-16
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: My name is XXXX XXXX XXXX I am the XXXX more then 8 years as XXXX & XXXX. I am in the middle of a modification with Nationstar on my home loan here in XXXX XXXX CA After being invited in writing to apply for modification in XXXX and just this XXXX having been approved with an unexceptipal modification offer because it forgot to include the $ XXXX principal reduction alocation. I received approval from XXXX for the priceable pay down I am faced with the fact that Nationstar filed a " Notice of Default '' right in the middle of my loan modification consideration time period. I have become a victim of " Dual Tracking '' I am afraid i will shortly receive a 21 day notice of sale as a result of this mistake. I need help to get the Nationstar bank to recall the " Notice of Default '' in direct violation of the " CA Homeowner Bill of Right '', this is an error and i cant get the bank to self correct. I need to move forward in a positive way. how can your office open a case for intervention?? I have to meet a client in XXXX XXXX. Friday I will leave the usa so we have to move fast as you can understand. Please help me
Company Response:
State: CA
Zip: 91326
Submitted Via: Web
Date Sent: 2016-01-16
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-01-17
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I started having difficulty paying my mortgage in XXXX to Nationstar Mortgage XXXX, TX, as a result of The XXXX Slowdown, but managed to keep up my end until XXXX XXXX, XXXX. At that time I HAD to make my XXXX, XXXX payment or I would be in ( forclosure ) trouble. When I tried to make my payment a sign came up : " For The Selected Loan - Online Payments Are Not Allowed ''. I called and was told I had not made my XXXX, XXXX payment and therefore in order to pay XXXX, XXXX I had to also pay XXXX XXXX again. I did the XXXX payments XXXX XXXX, XXXX knowing they will think XXXX, XXXX is still due even though I knew the XXXX payment had been made in XXXX, XXXX. But I did n't have enough money in the bank to make the XXXX payment, because of the double XXXX XXXX payment and knew than and there I would be in default. Of course, I sent correspondance on XXXX XXXX, XXXX telling them all this and providing my bank records showing I had paid XXXX, XXXX. I heard nothing from them until XXXX, XXXX. I received correspondance from Nationstar Mortgage dated XXXX XXXX, XXXX, saying they were responding to my request received XXXX XXXX regarding the application of the monthly payments. THERE IT SHOWS IN BLACK AND WHITE THAT I DID INDEED PAY THE XXXX, XXXX PAYMENT ALTHOUGH ONE MONTH LATE! AND THAT MY DOUBLE PAYMENT PAID XXXX AND XXXX, XXXX. But I was than shifted to HARP and the very last piece of information they asked for was a Profit and Loss Statement from the accounting department that I get quarterly funds from, and I could not geat it in a " timely manner ''! My foreclosure date is XXXX XXXX, XXXX and is also the sale date! Thanks for listening.
Company Response:
State: FL
Zip: 33542
Submitted Via: Web
Date Sent: 2016-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-01-15
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Greetings. My loan is serviced by Nationstar. My loan stipulates a grace period until the XXXX of the month, but if I try to make a payment online, Nationstar assess a XXXX late fee after the XXXX of the month, in violation of my mortgage terms. It seems so unethical and I do n't have a choice of servicer which makes their unethical and greedy corporate behavior all the more frustrating.
Company Response:
State: WI
Zip: 53211
Submitted Via: Web
Date Sent: 2016-01-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-01-17
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: The deed of assignment was put in a repurchased remic XX/XX/XXXX. XXXX bought cwmbs reperforming loan remic trust certificate series XXXX back. And if the remic was valid then how come the security exchange commission, XXXX. XXXX, XXXX, XXXX, And XXXX, etc have record reports saying it was closed XX/XX/XXXX on a XXXX form. So again if the that deed of assignment is actually valid the how come no one has been reporting it to the sec since XX/XX/XXXX. Also again concidering its been repurchase then XXXX XXXX XXXX sold the mortgage to XXXX as the trustee violating the sec regulations. And giving the service rights to nationstar mortgage as well with the improper deed of assignment. And how come all of a sudden hud has no record of any of the paperwork on this mortgage as of XX/XX/XXXX. So it is clear that nationstar mortgage thinks official documents from the the sec are invalid. The master remic paperwork for the remic series XXXX, XXXX XXXX mortgage pass-throught trust XXXX file number XXXX is invalid as well.
Company Response:
State: TN
Zip: 378XX
Submitted Via: Web
Date Sent: 2016-01-17
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-01-18
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I have been in contact with Nationstar for about a year working on a loan modification. I submitted all documents requested, yet my documents were never received or expired. In the meantime, they filed for foreclosure against my wife and I. I filed an answer to the complaint promptly. Nationstar is now seeking default against my wife. They seem to be very dishonest and deceptive.
Company Response:
State: NJ
Zip: 07018
Submitted Via: Web
Date Sent: 2016-01-18
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-01-13
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: In XXXX we obtained a mortgage from XXXX XXXX XXXX XXXX in XXXX, North Carolina. This mortgage was then sold to a company call XXXX without any notice to us. One day I walked into what I thought was XXXX XXXX XXXX XXXX to pay on the account and was saw some letterhead that said XXXX I asked the receptionist if the name of the business had changed. She replied that the business had been sold. In XXXX of XXXX I again went into XXXX to pay on the loan I was told that the loan was had been sold to another company and that I could no longer make payments at that office. I asked where I should send the payment and I was told that we would receive a letter with all the payment information. I did not receive any information in XXXX so I went back to XXXX in XXXX XXXX and informed them that I had not received any information regarding where I should send the payments. I was given a slip of paper with the name Nationstar with a telephone number and account number. I called the number and only got voice mail. Left a message and they never returned my call after about a week I went on the internet and when I researched Nationstar and the information can back to XXXX XXXX. I again went back to XXXX and again I was told that they could not accept the payment because the loan had been sold.. This back and forth continued and we never received any payment information. On XXXX XXXX, XXXX we received a letter from the law firm of XXXX XXXX indicting that Nationstar had retained their firm to initiate foreclosure proceedings because the loan was in default. We immediately contacted the law firm and was directed back to Nationstar. We immediately contacted Nationstar and tried to clear up the matter. I had been keeping the payments and was prepared to make them but Nationstar had added fees and demanded that we make thepayments as well as the additional fee and charges they had added because the payments had not been made. We explained that we did not know where to send the payments because we had never been contacted by Nationstar and given the information we needed to make the payments. We also believed that the interest rate had been changed. We requested the payment records and the promissory note and a payoff statement because we located a buyer who wanted to bring the loan current and maintain the loan for several months to obtain financing. Nationstar refused to provide the requested information and thus prevented us from being able to sell the property. When we called Nationstar we had to leave our name and the loan number if any other information was left the phone call would not be returned. They would then call back in three or four days and leave a message that they had called, an the process would begin all over again. This went on for months. In XXXX of XXXX a foreclosure action was filed and a hearing was set for XXXX XXXX, XXXX. We have requested documentation of payment history and promissory note and nothing has been provided. We need this information in order to defend this action.
Company Response:
State: NC
Zip: 275XX
Submitted Via: Web
Date Sent: 2016-01-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No