Date Received: 2015-12-03
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I had received a notice from the mortgage company stating that our escrow account is short. Which surprised me because I had contributed extra money towards the escrow account to compensate for the shortage. On XXXX XXXX, 2015 I had called the mortgage company asking for a review of the escrow account. I was told that the extra monies were placed in the wrong account and would be fixed and I would be receiving an escrow analysis in the mail in 7 business days. As of today, I never received an analysis or an explanation to where the money had gone. I had also sent a letter regarding this with my XXXX mortgage payment, still with out any reply. I do n't feel that they should n't be allowed to play with my money without a clue to where they put it. I feel this is fraud.
Company Response:
State: NJ
Zip: 08753
Submitted Via: Web
Date Sent: 2015-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-12-03
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Nationstar doubled my payment based upon an error in their escrow analysis. XX/XX/2015 they increased my escrows for property taxes to {$330.00} a month. My property taxes are only {$730.00} every 6 months. or {$120.00} a month. I have tried in vein to get this issue corrected and I have proof that Nationstar was made aware of the issues in written correspondence dated XXXXI have offered to make principal and interst payments but was advised that I need to get escrows corrected first. Now i am four months behind. They have no record of my issues and have started a foreclosure action. They also sent in a crew to winterize the property and they did damage.to my property. RESPA doesnt allow Nationstar to collect that excessive amount of property taxes. And obviously this type of service abuse shows that predatory lending still exists
Company Response:
State: OH
Zip: 45044
Submitted Via: Web
Date Sent: 2015-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-12-03
Issue: Application, originator, mortgage broker
Subissue:
Consumer Complaint: I found a foreclosure that never happened. I found many other loans that were obtained by using our identity. We are victims of ID theft reported to our local police.
Company Response:
State: AL
Zip: 362XX
Submitted Via: Web
Date Sent: 2015-12-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-12-01
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: In XXXX 2015, I received a notice that from the mortgage companyNationstar, that they erroneously calculated the impound account formore than 12 months. The error resulted in a negative balance, whichwould require us to pay in full or make additional payments over time. The amount was XXXX. Since XXXX I have made the additionalpayments, plus sending additional money to bring down the shortage. I have made every payment, plus sent additional funds of {$900.00} toapply to the shortage. Since XXXX they continue to make errors inposting the payments, and I was called on a regular basis by theircollection department, telling me I was missing a payment. I spokewith XXXX supervisors and several line phone people trying to tell themthe payments were there. In addition they charge me interest, whichI was told by XXXX supervisor would be reversed, but that never happenWe are trying to refinance, and due to these ongoing errors, they arereporting two months late payments on my credit, even though I haveactually paid more that what was due. I want them to remove the late payments from my credit, as well ascredit my account for all the fees they have charged me. Also, theyneed to post the additional XXXX to the escrow account as I indicatedwhen sending the payment.
Company Response:
State: CA
Zip: 91784
Submitted Via: Web
Date Sent: 2015-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-12-02
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: My loan is escrowed for insurance and taxes. Nationstar is the servicer of my loan. Nationstar had paid insurance XX/XX/XXXX and on about XX/XX/XXXX. I changed my insurance carrier on about XX/XX/XXXX. I mailed an insurance refund to Nationstar which was applied to my escrow account on about XX/XX/XXXX. NATIONSTAR HAS FAILED TO PAY MY NEW HOMEOWNERS INSURANCE PREMIUM WHICH WAS DUE XX/XX/XXXX AND I AM NOW AT RISK OF CANCELLATION! I think they are trying to force place insurance and that is not right because they are legally responsible to pay the premium as the have in the past.
Company Response:
State: MI
Zip: 48187
Submitted Via: Web
Date Sent: 2015-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-12-02
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: We are filing this Federal Consumer complaint against our mortgage servicer Nationstar Mortgage ( NSM ) and the " notorious foreclosure mill '' known as Law Offices XXXX Missouri XXXX ; with relation to violations of the Missouri Non-judicial foreclosure laws and procedures act. *Chapter XXXX Mo. Rev. Stat. ; XXXX v. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( Mo. XX/XX/XXXX XXXX Our complaint in particular surrounds violations to procedures to Notice of sale. It is the responsibility of NSM as well as XXXX to contain the date, book and page of the Deed of Trust, name of each grantor on the Deed of Trust, the time, terms and place of sale, and a description of the real estate to be sold. The notice must be published and mailed to required parties.XXXX registered agents of NSM have further failed to comply with proper notice with relation to publications as follows:1. PublicationPursuant to Section XXXX Mo XXXX., a Notice of Foreclosure Sale must be printed in a newspaper published in the county in which the real estate is situated at least once a week for a total of four weeks, with the last publication being not more than one week before the sale date. If the land is located in more than XXXX XXXX, the notice must be published in each XXXX. If the land is located in a Missouri XXXX XXXX, of which there are XXXX, publication is for XXXX consecutive days in a daily newspaper with the last day being the date of sale.Furthermore, XXXX, registered agents of NSM have further failed to comply with proper notice with relation to mailing as follows with relation to notice to XXXX XXXX recorder 's office via mail ; of the intent to execute foreclosure action on our real property XX/XX/XXXX, at XX/XX/XXXX:2. MailPursuant to section XXXX Mo. Rev. XXXX, the notice of sale must be mailed via certified or registered mail, postage prepaid and deposited in the U.S. mail at least 20 days before the date of the foreclosure sale. Such notice must be sent to the last known address of the original grantors in the Deed of Trust, the last known address of person 's shown by the recorder 's office to be the owners of the property as of 40 days before the date of the foreclosure sale, and any person who has recorded a request for notice of sale under the Deed of Trust either at least 40 days before the date of the sale or recorded under another Deed of Trust that was recorded before the Deed of Trust now being foreclosed, if that prior Deed of Trust is not released of record. Lastly, there are XXXX liens totaling in the amount of approximately {$11000.00}, which are outstanding liens on title for our home. Our records and attempts have indicated that the XXXX, has not been notified According to XXXX XXXX XXXX Section XXXX, of the intent to execute foreclosure action on our real property XX/XX/XXXX, at XXXX : 3. Notice to XXXXAccording to XXXX XXXX XXXX Section XXXX, notice of the foreclosure sale must be sent to the Internal Revenue Service if an XXXX Notice of Lien on the real estate is filed more than 30 days before the date of the sale. This notice must be given by personal service or by registered or certified mail to the XXXX District Director at least 25 days before the date of sale.We implore your office to address this matter at once due to our pending foreclosure sale date of XX/XX/XXXX, at XXXX. This illegal process has been conducted very expeditiously and it is an injustice to allow NSM and XXXX to abuse homeowners in this manner.
Company Response:
State: MO
Zip: 64063
Submitted Via: Web
Date Sent: 2015-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-12-02
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: We entered repayment plan with our Nation Star when our income decreased. Our understanding is the plan was for funds to be automatically withdrawn from our account on XXXX/XXXX/15, XXXX/XXXX/15 and XXXX/XXXX/15 and we would be caught back up. Nation Star deducted from our account on XXXX/XXXX/15 as planned, but then again on XXXX/XXXX/15 when the funds were not available. We received a fee from our bank of {$35.00} and we had other bills that were to come out before getting paid again on XXXX/XXXX/15, which would incur further bank fees. We called Nation Star to attempt to resolve. After being transferred several times and repeating the information and security questions several times and being on the phone for nearly 2 hours, Nation Star finally agreed to return the funds to our account. Nation Star stated SEVERAL TIMES that we would need to make payment arrangements on our end for the XXXX/XXXX/15 payment as they would not be taking the funds out since they already attempted on XXXX/XXXX/15 and if we did not make the XXXX/XXXX/15 payment our agreement would be void. We made sure we had the payment in for XXXX/XXXX/15 to Nation Star as they requested only to find Nation Star did in fact request the amount again on XXXX/XXXX/15, again putting our account in jeopardy and we received another {$35.00} fee from the bank and more bills due to be paid from the account, which will incur further bank fees. I called Nation Star to find out why they had requested the funds when we were specifically told REPEATEDLY they would not and it would be our responsibility. Again after several transfers, repeating the same information and security questions, Nation Star directed us to our bank stating they did not request the funds and we needed to follow up with our bank. We contacted our bank and they confirmed Nation Star did in fact request the funds. Our bank was nice enough to waive XXXX of the {$35.00} bank fees, but we still have the other {$35.00} fee and possibly will incur more until the matter is resolved. I then contacted Nation Star again and relayed the information the bank stating the second deduction from our account was indeed requested by Nation Star and requested they pay for the bank fees. I have yet to hear back from Nation Star to resolve the bank fees. The bank has agreed to reverse XXXX of the mortgage transactions, but it will take a day or XXXX and in the meantime we have other bills due to be come out of the account and will no doubt continue to incur further bank fees when it is resolved. In the several calls to Nation Star, we found that their documentation was incomplete and at times inconsistent. Each time we spoke with a representative, we were told the information was being noted in our file, however when we followed up, the information was not there or had changed. I understand there is a bit of a language barrier in speaking to the majority of the representatives which might account for some of the inconsistencies, but Nation Star lied when they said they did not request the funds from our bank account on XXXX/XXXX/15. I attempted to call to file a complaint with Nation Star and was on hold for several minutes yet again with no response.
Company Response:
State: KS
Zip: 662XX
Submitted Via: Web
Date Sent: 2015-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-12-02
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: XXXX my previous note holder sold my loan to Nationstar, and i had to call the Nationstar to let me know how to pay online or any other way to pay. The gentleman talk to me and asked me, if I wanted to pay over the phone. He did not inform me of any charges if I did so paid that date when I spoke to him. I received my second statement and found a charge of XXXX dollars under fees and charges. I called Nationstar and they informed me that it was for wire transfer when I paid. I think that was unfair.
Company Response:
State: CA
Zip: 91744
Submitted Via: Web
Date Sent: 2015-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-12-02
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I received notice that my account was past due! I had payment set up with my bank to sent payment each month, and my insurance payment was sent from my credit union account each month. I paid the taxes when they come due. In XXXX my payment was returned to my bank no explanation. I contacted my insurance company and payments were sent for period on time. then in XXXX of 2015 the mortgage company sent my insurance company a payment of {$1600.00} which is the total insurance on my property for one year. Then they increased my payment from XXXX to {$590.00} which is an increase of {$380.00} - if you divide the {$1600.00} by XXXX you come up with an amount of {$130.00}. What happens to the additional {$240.00} that they are charging. So I sent a letter to the Nationstar Mortgage company w/return receipt requested. Wanting to know why my payment went from {$280.00} to {$590.00} ( I called several times leaving my name, loan # XXXX and a contact number for them to contact me. Never heard from them. ) The registered letter was signed for on XXXX XXXX by XXXX XXXX still no phone call or explanation of why my bill is doubled what it should be. Had they left it alone I was making my house payment out of my bank account, and the insurance payment was automately made out of my savings account. This company has messed with my account and now I do not know what is going on. I am putting a CASHIERS CHECK in the mail for {$2700.00}, which is what they state that I owe. I want an explanation of the charges. that this covers along with an explanation of why they are messing with my account. I have called several times and still can not reach anyone. How can they take over my " LIFE '' by not contacting me or explaining these charges. I want to receive a phone call from someone along with an adjustment on my accountThanks for your help
Company Response:
State: KS
Zip: XXXXX
Submitted Via: Web
Date Sent: 2015-12-02
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-12-02
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I closed on my home in XXXX 2015. When looking for my home we made it very clear to the real estate agent and the mortgage broker what our monthly payments can not exceed. Yesterday I saw a letter from the mortgage company that my escrow account is short {$3100.00}. This would increase my monthly payment to {$2200.00} from {$2000.00}. I can not afford the lump sum payment not the additional money on the mortgage payment. How can the mortgage broker grossly underestimate the escrow amounts? The mortgage broker was recommend to us from the real estate agent. We talked at length and after some research he had the best mortgage rates.
Company Response:
State: PA
Zip: 190XX
Submitted Via: Web
Date Sent: 2015-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes