Date Received: 2015-12-09
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I have case number with CFPB already ( XXXX ) and I still waiting for a resolution. My complaint is with Nationstar Mortgage in XXXX, Tx. They are now giving me less than 30 days to pay a payment of {$770.00}, which is for the remaining escrow payment they never informed me about until they sent me certified letters threatening foreclosure on my home back in XXXX 2015. I paid back half of what I owed from that time which was {$1100.00} but they refuse to work with me and continue to tell me wrong information. Such as. I setup a repayment plan in XXXX to pay back money they did not disclose to me. In XXXX. I asked for a month extension only to be told I was never approved to do a repayment plan. I am a senior citizen and have lived in this home for 39 years. I am on a fixed budget and can not come up with fund at a drop of a hat. Nationstar continues to take no ownership in this problem. I assume that if I do not pay the {$770.00} by XXXX XXXX they will again start foreclosure on my home. I need help to save my home. Thank you, XXXX XXXX
Company Response:
State: MI
Zip: 483XX
Submitted Via: Web
Date Sent: 2015-12-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-12-08
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: property owner was approved for FHA short sale and lender subsequently foreclosed on the property while the approval was still active. After notification the servicer said they would rescind the foreclosure. Several attempts were made to contact them and all were met with misinformation. Yesterday we were notified by another agent that the property is now for sale by the servicer.
Company Response:
State: VA
Zip: 201XX
Submitted Via: Web
Date Sent: 2015-12-08
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-12-08
Issue: Credit decision / Underwriting
Subissue:
Consumer Complaint: To whom it may concern, I am to receive A XXXX time {$5000.00} XXXX XXXX credit on my 6 year anniversary date which was 2 months ago. XXXX transferred my loan in XXXX 2015 to Nationstar. XXXX had me submit all the appropriate paperwork to them in regard to the incentive payment. Nationstar told me I would be getting the {$5000.00} in XXXX 2015. No credit has been given by Nationstar to date. They do n't seem to be able to tell me anything but they are still researching this matter. I cant seem to get anywhere and I 'm very frustrated. They place me on hold for an hour every time I call and it is a waste of time.
Company Response:
State: CA
Zip: 913XX
Submitted Via: Web
Date Sent: 2015-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-12-08
Issue: Application, originator, mortgage broker
Subissue:
Consumer Complaint: I have a mortgage with nationstar. last year, they ( greenlight loans ) pestered me to refinance. they do this by first emailing you, then sending letters, then calling. i wanted to refinance so i began the process. ultimately, they promised a rate lock of 4.125 %, but it slid up to 4.375 % based on ltv ratio and subjective interpretation of fico scores. eventually they denied my application, even while i still have a loan with i think what is their parent company. it started all over again this year, about the same time. ultimately, now all paperwork is completed except they are waiting for a subordination agreement with XXXX who holds a second. this waiting has been since late XXXX or XXXX XXXX when i challenged them to push XXXX to get it done, they said their protocol is not to pester lienholders. i bought down from XXXX to XXXX with about XXXX point, or $ XXXX. the rate lock agreement expires XXXX XXXX what i see now is that most likely they are waiting for the agreement to expire and then raise the rate. this sounds like a scam to me to suck you in early on and then jump the rate when you are exhausted and tired of waiting. i could have gone with a legitimate firm had i realized what was going on. i would really like you to investigate these practices.
Company Response:
State: CA
Zip: 95482
Submitted Via: Web
Date Sent: 2015-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-12-08
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Our former mortgage holder ( XXXX ) sold our mortgage to Nationstar in XXXX. I paid my last mortgage payment to XXXX in XXXX, and my first mortgage payment to Nationstar in XXXX. Out of the blue, without any previous notification, in XXXX, they are saying I am 3 months behind in my mortgage. I have been going back and forth with customer service since XXXX and it is still not rectified. I have faxed them my bank statements for every month with my payment circled and my previous payment history that was shown to be up to date. I am receiving letters and phone calls about my payment being late, and when I call customer service every day, they say they are still researching it. Today I received a letter that said they have researched and fixed the problem and my XXXX 2015 payment is due. THATS WHAT THEY SAID TO BEGIN WITH ... WHAT DID THEY FIX? My payments are all paid up except my XXXX XXXX payment I have not paid, only because I wanted this straightened out before I do. I 'm sure they have reported this to the credit bureau, and they are completely wrong. Once again, I faxed them every month statement with the payment on there circled and the statement marked.. XXXX payment, XXXX payment, XXXX payment and so forth thru XXXX. I have written to Nationstar customer service complaint, The XXXX, and now you. I have asked to speak to the " research department '' which is supposedly looking into this, and was informed the do n't speak with customers. I have asked for supervisors, and the supervisors supervisors, and still no one is fixing this. I am at a loss what to do next. please help.
Company Response:
State: CT
Zip: 067XX
Submitted Via: Web
Date Sent: 2015-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-12-07
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: My mother has a reverse mortgage on her home. The mortgage was sold to Champion Mortgage and since then they 've harassed my mother constantly. Now they say that she is dead and the loan will be due and payable and they will foreclose on the home. My mother is very much alive, and was even interviewed on camera today, from our local news station XXXX. They 've been very cruel to her on the phone, and would not tell her, or me ( her daughter ) how they came to this conclusion. The stress that this has caused my mother and family, is too much.
Company Response:
State: WI
Zip: 531XX
Submitted Via: Web
Date Sent: 2015-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-12-07
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: Does n't want to help me adding land taxing or land inspection to mortgage on ever paper every month I need help low it or get it back to something that is not add on but they are adding land in section on my payment.
Company Response:
State: NC
Zip: 28613
Submitted Via: Web
Date Sent: 2015-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-12-07
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I filed bankruptcy ( case XXXX ) XXXX California Courts in XXXX 2014 and it was discharged on XXXX 2014. I am currently and still receiving billing statements and letters to collect on the debt.
Company Response:
State: CA
Zip: 94578
Submitted Via: Web
Date Sent: 2015-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-12-07
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I found out that the home 's insurance premium had not been paid at the end of XXXX 2015 and it was coming due XXXX XXXX. My homeowners insurance agent called me and told me that the premium had NOT been paid and they were going to have to cancel coverage on the home. I IMMEDIATELY called Nationstar and they confirmed that there are escrow payments set aside to pay the homeowners insurance Nationstar promised to send payment right away and assured me that it was an oversight. I assumed that this was taken care of as Nationstar had assured me of. My agent called me in XXXX, 2015 and said I was NOT going to have any coverage on my home if it is n't paid soon. What to do? I again called Nationstar who promised that payment was on the way. What kind of lender let 's an insurance premium lapse on a home they 're holding a mortgage on? I called Nationstar again. In fact my agent and I had called a dozen over several weeks. They always assured me payment was coming, like they are playing a game or something. So, XXXX XXXX came and went and my insurance company, XXXX, had dropped my homeowners policy. XXXX had never received the insurance premium payment. So, I am currently without homeowners insurance on a loan that Nationstar is holding the loan for.
Company Response:
State: CO
Zip: 80241
Submitted Via: Web
Date Sent: 2015-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-12-06
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: We have been with Nationstar for several years. We fell behind in our mortgage due to life situations ( roof leaking, house flooding, water heater breaking, refrigerator going up ). We have attempted on Several occasions to get some type of assistance from Nationstar. We have have mailed, faxed, documents for a modification several times over the years. We have received constant responses like we did n't get them, someone will call you and they never do. Recently we received paperwork telling us we needed to make a payment by XXXX XXXX or our account would go into foreclosure. When i called on XXXX XXXX the day i was paid they refused to allow me to make a one month payment. Even though we would not be 90 days delinquent until XXXX. They wanted us to make a payment of XXXX dollars. I even tried getting them to take the payment on XXXX and then schedule XXXX for XXXX and they refused. They told me to file another modification request if i could not produce XXXX dollars by XXXX. This time i uploaded the documents directly to their website and am awaiting a reply i we have many time over the years. Nationstar has not been a company willing to help you through the years. They sit back and wait to take your property. Each representative you talk to tells you something different and when you call no one is helpful in helping you resolve your issue. This company would not allow me to make a one month payment which would have kept my home out of foreclosure.
Company Response:
State: MD
Zip: 21133
Submitted Via: Web
Date Sent: 2015-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No