Date Received: 2015-12-26
Issue: Settlement process and costs
Subissue:
Consumer Complaint: On XXXX XXXX, 2015, Nationstar Mortgage executed and recorded a fraudulent instrument ( ASSIGNMENT OF DEED OF TRUST '' ) in XXXX County Texas Recorder 's office declaring they were assigning a deed of trust on behalf of Assignor-Countrywide Home Loans, defunct entity, as attorneyin-fact to XXXX Assignee. On XXXX XXXX, 2015, Nationstar responded to a QWR via a CFPB complaint declaring they were servicing the note on behalf of XXXX the assignee of the Assignment. The recorded instrument contradicts this reply and is fraudulent and false.
Company Response:
State: TX
Zip: 75052
Submitted Via: Web
Date Sent: 2015-12-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-12-24
Issue: Taking/threatening an illegal action
Subissue: Seized/Attempted to seize property
Consumer Complaint: Nationstar Mortgage LLC. ( " Nationstar '' ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( " XXXX '' ), and XXXX XXXX XXXX, XXXX XXXX, as Trustee for the Certificate Holders of the Structured Adjustable Rate Mortgage Loan Trust Mortgage Pass-Through Certificates, Series XXXX ( " XXXX '' ) are all governed by FDCPA pursuant to 15 USC 1692a ( 4 ). The County Public Records is a third party. Nationstar, XXXX and XXXX never obtained our permission to file " our '' non-public information into the County Recorder 's office. The Notice of Trustee 's Sale document filed for an illegal seizure of our home is a violation pursuant to 15 USC 1692c ( b ). Also, Nationstar, XXXX and XXXX are prohibited from abusing and harassing us pursuant to 15 USC 1692d, 15 USC 1692e, 15 USC 1692f, 15 USC 1692i, and 15 USC 1692j. Trustees who regularly foreclose on California deeds of trust in non-judicial actions are debt collectors subject to the entire FDCPA. ( CFPB XXXX XXXX - XXXX XXXX vs ReconTrust )
Company Response:
State: CA
Zip: 92869
Submitted Via: Web
Date Sent: 2015-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-12-24
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: On XXXX XXXX, XXXX, I mailed a qualified written request to Nationstar requesting certain information and documents. Specifically, I requested : the identity of the owner of my loan ; any language in the applicable servicing agreement or investor guidelines that would restrict a loan modification ; an itemization of costs, fees and expenses charged to my account since I defaulted ; a description of Nationstar 's efforts to establish live contact with me within 36 days of my delinquency to inform me about loss mitigation options ; a copy of the notice Nationstar sent me as required by XXXX CFR XXXX ( b ) ; and a copy of the loss mitigation application I submitted to Nationstar on or about XXXX XXXX, XXXX, as well as Nationstar 's written responses to that application. That qualified written request was delivered to Nationstar on XXXX XXXX, XXXX. On XXXX XXXX, XXXX, Nationstar mailed a purported response to my qualified written request. In this letter, Nationstar claimed that it would enclose the following documents : the note and security instrument ; the payment history ; the most recent billing statement ; the notice of servicing transfer ; the most recent escrow analysis statement ; and the payoff quote. I never requested these documents. Nor did Nationstar provide any of the documents or information I requested in my qualified written request.
Company Response:
State: NY
Zip: 11413
Submitted Via: Web
Date Sent: 2015-12-29
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-12-24
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: My XXXX XXXX loan was acquired by Nationstar Mortgage in XX/XX/XXXX. All servicing transferred to Nationstar. It is a simple interest-only loan. Upon transfer, Nationstar started calling me saying that I owe them a bunch more money on my mortgage for insurance/taxes escrow that transferred over from XXXX. No such escrow ever existed at XXXX, and I 've always only paid my interest-only mortgage. I 've been on the phone with Everhome for 7+ hours on 4-5 different occasions, and on 3 occasions they told me the issue was resolved. On 2 occasions they promised me a call back, but I never received a call back in either situation. I keep getting calls and mailings telling me that the issue is not resolved, and I owe them more money. No one has been able to explain why they keep trying to charge me more money, or what the heart of the issue might be ( see attached letter from Nationstar showing how all they can figure out how to do is restate the problem, not solve the problem ). Either they are inadequately staffed to process my mortgage correctly, or it 's some kind of scam to get unaware customers to pay them more than they own on their mortgages. I 'm increasingly in the latter camp given that unprecedented effort and continual promises of resolution have resulted in no progress. It 's quite surreal that such an incompetent institution can be allowed to operate in this manner.
Company Response:
State: CA
Zip: 945XX
Submitted Via: Web
Date Sent: 2015-12-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-12-22
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: In XXXX 2015 I was turned down for XXXX and they said try your lender for a refinance. I was already in a XXXX Home Affordable Loan so i applied for another government assistance loan thru the Nationstar, my lender, website. No one contacted me from Nationstar but when i went to pay my XXXX bill it said regular payment and underneath had the trial payment also. i was confused. i called Nationstar but my home number and my cell phone number are controled or activated by Nationstar so it would ring right to my loan officer XXXX XXXX. I left her over XXXX voice messages to this day and i have never spoken with her. i made a full payment XXXX because i didnt want a late charge for under payment i called HUD to help me contact Nationstar and they got thru and we were on a XXXX way call and Nationstar told the HUD agent i was in fact on a trial payment plan til XXXX. I told them i was trying to reach my loan officer because that new payment is way to high for me and my family of XXXX. I have not received any documents or still any phone call from Nationstar. I dont want to wait til the trial ends and than it is to late. Once you refuse a trial payment plan when it is done you can not get another one offered to you. I need a lower payment. i never got to speak with anyone about this new XXXX XXXX loan. Nationstar just put it on my online account. I never spoke to anyone like my assisgned loan agent XXXX. I dont know if there is a better loan they can offer me. i dont know what the loan plan even entails when it is done. I need help.
Company Response:
State: CA
Zip: 91001
Submitted Via: Web
Date Sent: 2015-12-22
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-12-23
Issue: Application, originator, mortgage broker
Subissue:
Consumer Complaint: We applied for a loan in XX/XX/XXXX with NationStar. They agreed to a 3.99 % mortgage and we got an appraisal that came in without issue. They have been dragging this out and not returning our calls or emails. They just sent us new terms for the loan. We are unsure of what they are doing
Company Response:
State: NH
Zip: 037XX
Submitted Via: Web
Date Sent: 2015-12-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-12-21
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Nationstar Mortgage has serviced the loan on my house since the beginning of 2014. I have an auto debit for my monthly payment. Additionally I made arrangements, when Nationstar took over my loan, to be able to mail in monthly Principal Only payments. Nearly every single Principal Only payment made to date has been taken as a regular payment, distributing the payment as partial principal and partial interest. When I call them to correct the payments, they do not deduct from my total balance to reduce my interest payments, keeping my interest at a higher total amount. They are also charging me an " adjustment '' fee when I call to correct these errors. This company must be stopped!!
Company Response:
State: GA
Zip: 30062
Submitted Via: Web
Date Sent: 2015-12-21
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-12-21
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: NationStar has repeatedly made erroneous charges to our mortgage account, continue to bill us for tax and insurance escrow though we pay our taxes and insurance directly to providers/county and they have reported inaccurate information to the credit bureaus ( ie. stating our account was discharged with a bankruptcy when it was not, showed our account paid in full when it is not and then ultimately deleted the reported account entirely rather than correcting it when a dispute was filed ). NationStar 's practices seem predatory and their telephone staff spend an enormous amount of time transferring us with no resolution to issues.
Company Response:
State: TX
Zip: 750XX
Submitted Via: Web
Date Sent: 2015-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-12-21
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: On XXXX XXXX, I requested and received a payoff quote from Nationstar. I transferred the money into my account and sent payment by express mail on XXXX XXXX, and it was certified received on XXXX XXXX. After not seeing the funds paid to my account, I called on XXXX XXXX and was told not to worry, that it could take up to XXXX business days to appear. This did not happen, so I called back on XXXX XXXX, and was told they 'd tracked down my check and my account number had not been recognized, but that it would be credited to my account and posted as of XXXX XXXX within three business days. Again, this did not happen, so I called back on XXXX XXXX and was told they would expedite the processing and this would be completed within 24 hours. This has still not happened as of today, XXXX XXXX. I 'm currently working with a customer service rep for Nationstar via social media, and it has taken all day without any update. I have a closing to sell my condo on XXXX XXXX and am very frustrated but also concerned that the closing will be postponed because of the several weeks it has taken for this company to process my payment to pay off my mortgage.
Company Response:
State: IL
Zip: 60613
Submitted Via: Web
Date Sent: 2015-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-12-21
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Nationstar Mortgage bought my mortgage from XXXX Mortgage in the XX/XX/2014. An error was made in the handover. Nationstar began writing, texting, calling, and emailing me about only making a partial payment. No matter how hard I tried, Nationstar insisted I pay the remaining balance. They even said they conducted an internal investigation and determined positively I had only made a partial payment. Finally they said they were sending a letter to the credit companies as I was in arrears. At that point I contacted XXXX Mortgage and explained my problem. They assured me I was on time with all of their payments to them and they would contact Nationstar. A short time later a man purporting to be a Nationstar Vice President called and apologized for their error and harassment. I told him I was concerned about my credit score. He assured me no notice had been or would be sent to the credit companies. I recently was turned down for a XXXX XXXX credit card because of my credit. I downloaded a XXXX credit report. It contained a negative report from Nationstar saying I had been 30 days late with a payment. I contacted Nationstar. They sent in a correction. I am appalled they can adversely affect my credit irresponsibly and I can not get the XXXX XXXX credit card. Can any action be taken against Nationstar, for example a fine or adverse report on their record? My Nationstar loan number was XXXX. I have since sold the property and paid off the mortgage. My name is XXXX XXXX. My address is XXXX XXXX XXXX XXXX, XXXX XXXX, Florida XXXX. Phone is XXXX.
Company Response:
State: FL
Zip: 32082
Submitted Via: Web
Date Sent: 2015-12-21
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: Yes