Date Received: 2015-12-31
Issue: Application, originator, mortgage broker
Subissue:
Consumer Complaint: I have been trying to get my house refinanced for months, and I keep contacting my own mortgage company, Nationstar, to get this accomplished. I have twice now been switched to Greenlight. They run me in circles for months with lies and inaccurate information, have me submit the same information over and over, and pull my credit over and over. I attempted to contact Nationstar again yesterday, and was assured I was working directly with Nationstar, and not Greenlight. Greenlight Financial has horrific reviews online because they flat out lie and give out inaccurate information.
Company Response:
State: TX
Zip: 79930
Submitted Via: Web
Date Sent: 2015-12-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-12-31
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: The attached document is why Nationstar Mortgage will not investigate this matter. I would like the cfpb to look at the attached documents and also send it to Nationstar mortgage
Company Response:
State: TN
Zip: 378XX
Submitted Via: Web
Date Sent: 2015-12-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-12-30
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: My home loan was recently taken over by Nationstar Mortgage LLC. They sent me a letter saying I had insufficient flood insurance and needed to raise my insurance or they would add gap insurance to my policy. Even though my principal balance owed is less than {$27000.00} they are requiring me to match the replacement value of {$150000.00} set by my homeowners policy. When I called and explained that I read the policy set forth XXXX that XXXX of these apply Under the FDPA, the mandatory flood insurance purchase amount is the lesser of : The outstanding principal balance of the loan ( XXXX XXXX, or The maximum amount of insurance available under the XXXX XXXX XXXX XXXX ( XXXX ), which is the lesser of The maximum limit available for the type of structure ( {$250000.00} for a residential structure, ), or The insurable value of the structure ( typically the replacement cost value of your home ). According to this the lesser of these would be that I have at least {$27000.00} of flood insurance coverage, ( I currently have a policy of {$30000.00} coverage ). They said according to XXXX they can charge what they want. By adding this additional coverage my payment will go up over {$100.00} a month! If I do n't get my own coverage they will force me to get their insurance and raise my mortgage payment.
Company Response:
State: AZ
Zip: 85629
Submitted Via: Web
Date Sent: 2016-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-12-30
Issue: Application, originator, mortgage broker
Subissue:
Consumer Complaint: I am selling my property and my title company requested a payoff balance which was received. However, the payoff balance did not include all of the information that was requested. Due to a home modification in 2014, the title company needed to see the loan balance and the amount modified to ensure payoff included both. I have called Nationstar on several occassions to request such documentation and no one has been able to help. I close in XXXX hours and have yet to be able to get the information the title company needs.
Company Response:
State: TX
Zip: 75104
Submitted Via: Web
Date Sent: 2015-12-30
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-12-30
Issue: Credit decision / Underwriting
Subissue:
Consumer Complaint: My home has been foreclose. There is a 3rd party buyer already. It took place on XXXX XXXX, 2015. I am in court right now fighting for a wrongful foreclosure and eviction. I have XXXX lawyers working on this. I am looking for a bank who could finance my loan. It is a winnable situation, because I have very good lawyers. It is very hard, but there will be a light at the end of the tunnel if you will help me get a loan.They are saying the same thing, find a lender to finance my loan.. E-mail address : XXXXXXXXXXXX
Company Response:
State: CA
Zip: 90275
Submitted Via: Web
Date Sent: 2015-12-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-12-30
Issue: Credit decision / Underwriting
Subissue:
Consumer Complaint: I have had multiple issue 's with Nationstar Mortgage. My new and most current issue is my credit report. I sold my house almost 4 months ago. XXXX XXXX 2015. I recently applied for credit for my next home, only to find my credit report shows the whole outstanding balance from my previous home. They never updated/turned that information in. This has brought on additional headaches.
Company Response:
State: MN
Zip: 55124
Submitted Via: Web
Date Sent: 2015-12-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-12-30
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: XXXX unknown debt collectors impostering as illegal Creditors has for the past two years threatened illegal confiscation of real property for personal family or household purposes. The Consumer has served several notices upon XXXX Law Firm and Nationstar Mortgage LLC. XXXX parties have failed to comply with federal Consumer Laws such as the FDCPA. The Consumer has attached a copy of all communications from and to the data collectors.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2015-12-30
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-12-31
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I was not told by the mortgage company that I was denied a modification and had the right to appeal. This is through Nationstar Mortgage.
Company Response:
State: MI
Zip: 480XX
Submitted Via: Web
Date Sent: 2015-12-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-12-29
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: My husband passed away XXXX/XXXX/2014. The mortgage is in his name. We never had a reason to contact NationStar Mortgage Co. when they purchased our loan from our previous lender. Now that my husband has passed away, I have the deed placed in my name but can not assume the mortgage because I am not an authorized person to speak with the mortgage company. They have increase my mortgage and will not explain anything to me. I have been making payments since the death of my spouse. I received a letter from Nationstar stating my mortgage would increase if I did not pay the additional {$870.00} needed for escrow. I paid it, but they still increased my monthly payment. I went to probate court who explained the process to get the deed into my name, also explain there was no quick deed required for a death of ones spouse. I just need the mortgage company to explain the increase in the house payment and know what is needed to assume the mortgage and try to get a loan modification.
Company Response:
State: OH
Zip: 441XX
Submitted Via: Web
Date Sent: 2015-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-12-29
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: For over six months I have been disputing a payment made to Nationstar mortgage co. from my XXXX XXXX XXXX XXXX bank account on XXXX XXXX, 2015. This dispute has been going on since XXXX and I 'm still trying to resolve this matter. I 've sent Nationstar multiple faxes to document the payment made on XXXX XXXX, but nothing I 've sent resolves this matter to my satisfaction. I have talked to multiple customer service agents, but no one has managed to fix this for me to date. I 've faxed Nationstar my bank account statements from XXXX & XXXX and, according to their records, a payment of {$1900.00} was transferred by my bank to Nationstar on XXXX XXXX which has yet to be acknowledged by Nationstar ( see attached pdf document ). I have furthermore e-mailed all the documents for Nationstar 's files so there is no dispute that I 've provided the company everything that they requested. Since XXXX my mortgage has become delinquent because they have not acknowledged my payment, thus I 've had to make additional payments to catch the account up. I 've received multiple assurances from the customer service department that this matter will be resolved, but no one has resolved it to date and I 'm out {$1900.00} plus late fees now ( over {$1500.00} by Nationstar 's accounting ). I am extremely disappointed in how Nationstar has handled this matter and I plan to follow-up with legal counsel to determine my options.
Company Response:
State: CA
Zip: 955XX
Submitted Via: Web
Date Sent: 2015-12-29
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: No