Date Received: 2015-10-25
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: My home was virtually stolen from me even though I settled twice for the full amount with the court using a lawful financial settlement. The pretender lender has been trying to get me to contract with their frivolous attempts. Nationstar Mortgage. There is a suit pending which will need to be transferred to the XXXX Court house but waiting for money to come in.
Company Response:
State: FL
Zip: 33484
Submitted Via: Web
Date Sent: 2015-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-10-23
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: My home was refinanced by XXXX Bank in XXXX. Mortgage was sold to Nationstar. In the original contract it said when my mortgage reach 78 % the PMI would be removed automatically without an appraisal. I have sent them a request of a letter that was given to me from XXXX Bank to follow to at the appropriate time. I have also tried talking to them. All they want me to do is re-fi with them to remove the PMI. I refuse.
Company Response:
State: CA
Zip: 92508
Submitted Via: Web
Date Sent: 2015-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-10-23
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: A servicing company is trying to use a foreclosure mill law firm in Texas to foreclose upon my home when they ( the Servicing Company ) do not have any legal standing in my case. I have rescinded the loan under TILA and they are still proceeding with a foreclosure on a deed of trust that is now void. A notice of sale was recorded, and there is a pending sale on my house for XX/XX/XXXX
Company Response:
State: CA
Zip: 94526
Submitted Via: Web
Date Sent: 2015-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-10-23
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: My mortgage lender, Nationstar Mortgage seems to be having technical problems in accurately reporting my escrow as well ensuring that when I make a payment, whether it is collected from their website ( XXXX ) or just me sending in a electronic payment, whether it be additional principal payments or monthly mortgage payments. It takes quite a number of phone calls, emails and letters to try and clear this up. Recently, I was curious why I receive an escrow refund check and the same week a rise in escrow. When I phone Nationstar and spoke to someone they were rude and obnoxious and would not let me speak to higher level of management. I also applied for a refinance and no one has contacted me. I have sent inquiries about their privacy and authentication policies, because I believe my information is at risk.
Company Response:
State: VA
Zip: 22203
Submitted Via: Web
Date Sent: 2015-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-10-23
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: My husband and I have a home with Nationstar Mortgage. We filed our Homestead Exemption with our XXXX county tax office here in XXXX XXXX, Tx. they owe us refund checks from our escrow account for the years of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. We have called them multiple times and still have n't gotten any answers. They owe us about {$10000.00} if not more for our over paid taxes. My husband has a XXXX with the XXXX XXXX. They are not following the rules for our veterans with the tax exemptions. We filed form XXXX and form XXXX. None of our veteran friends have this problem with their homes and mortgage companies. I keep all our paperwork from Nationstar Mortgage and they still pretend like they do n't owe us an money. I will still seek out help until these issues are taken care of. also i will start to record all conversations with all representatives from now on.
Company Response:
State: TX
Zip: 78245
Submitted Via: Web
Date Sent: 2015-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-10-23
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: My loan was sold by Nationstar Mortgage in XXXX 2015. There was an escrow amount of {$3700.00} in my account. Instead of paying the taxes for that quarter, the company claims they sent the funds to the new servicer XXXX XXXX XXXX ( XXXX ) /XXXX. However XXXX claims that they have not received the funds and in turn raised my mortgage payment to account for the escrow deficiency. This has negatively impacted my credit because I was unaware. In addition, every time payments were made to my tax collector, it went to the arrears amount which resulted in late fees and penalties.
Company Response:
State: NJ
Zip: 07203
Submitted Via: Web
Date Sent: 2015-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-10-23
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I have a mortgage whose principle is currently at 79.4 % of the original value of the property. I asked the lender to drop PMI but they originally told me that I had to be at 75 % LTV - after calling and getting passed around a XXXX times it seems as if they finally fixed it to reflect the proper % but they refuse to have a manager call me back or drop the PMI without using their appraiser which will be an unrefundable cost to us somewhere between $ XXXX no matter whether they decide to drop it or not. I have requested they tell me the amount I need to pay down on my loan instead of throwing money on an appraisal that is worthless as even if you look at XXXX the property has increased in value by $ XXXX since the original loan date. There is no good way to talk to a live person, they pass you around from uninformed person to another uninformed person and all I want is somebody to tell me what amount I need to pay towards my principle to drop the useless PMI fees. We have never been late and we always pay more than the minimum on our loan and just need to understand ( besides throwing money away for a useless appraisal ) what we need to pay to drop PMI.
Company Response:
State: GA
Zip: 30096
Submitted Via: Web
Date Sent: 2015-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-10-23
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I am behind on my mortgage payments and facing foreclosure. I went through Oregon 's foreclosure avoidance program with my lender. The meetings were spaced out over a long period of time and no solutions were offered up by the lender to help me keep my home. Soon after the last meeting I was served foreclosure papers. I believe the lender had no intention of helping me and was just doing the minimum that the state required by going to the meetings. I have filed countless required documents with the lender including letters detailing and proving my financial hardship. I filled out the packet of forms for making home affordable all to no avail. My case seems ideal for the making home affordable act. My wife and I bought this house together after XXXX kids and twenty years of marriage. She started XXXX and then left me. This was emotionally and financially devastating. She took her earnings with her and has since filed a quit claim deed on property. Then I had a very long unemployment period. The new job I finally landed pays much less than my old one. This is how I fell behind on my payments. Now I am trying to save my home for myself and my teenage daughter. It gives her stability. We love and feel safe in our neighborhood. My lender still rarely communicates with me. Recently I was turned down for a loan modification due to not enough income. I heard this through the housing agency that has been helping me try to save my home ( XXXX ). I only received a denial in my ex wife 's name. She no longer has an interest in the property. I was supposed to be able to appeal if I received a denial and the wages they used to calculate were incorrect. I never received it. The stress I face everyday I wake up knowing my house could be lost is getting to be too much. I am also heartbroken when I think of my daughters reaction if I lose the house. I just want a fair chance to save my house and do not believe my lender puts any effort or interest into aiding my plight.
Company Response:
State: OR
Zip: 974XX
Submitted Via: Web
Date Sent: 2015-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-10-22
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I became a victim from XXXX/broker " s name [ XXXX XXXX ] whom was attempting to bring his legal secretary to my front door and said that he wanted to close home refinance loan since I was already cancelled this loan. He force me by said : XXXX you will pay same amount $ XXXX/month for 5 years or 60 months and I did not have time to review all documents. Based on good faith he was indicated with an interest rate 1.250 % 2. Then he sold this account to second XXXX XXXX XXXX on XXXX/XXXX/2007 after he took over {$7.00} thousands dollars on closing cost more than it was indicated on GF copy. 3. Then second XXXX XXXX XXXX Servicing re-sold my account to Aurora Loan Services on XX/XX/XXXX with original loan {$240.00} to become principal balance= {$240.00} after six month payment that I paid toward the end of 5 years aka 60 months and remained 54 more months to complete my terms. Note : I had planned to refinance to fix rate before my term up. Suddently Aurora Loan Services was illegally jumped my monthly mortgage payment from {$790.00} to {$2600.00} right after three [ 3 ] years as well as changed my interest rate without my knowledge. Since I was paid and owned this property since XX/XX/XXXX and never missed any payment from bank to bank when numbers of banks tried to merge together. I am work hard for my family to raise my children alone, I used to work XXXX jobs to maintain my life. For more detail including their addresses I will submit when requested. Please assist me to go through this upside down mortgage principal was created by Aurora Loan Services.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2015-10-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-10-23
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: Dear CFPB, On XXXX XXXX, 2015 I was informed by Nationstar mortgage that I had been denied a loan modification due to " excessive forbearance ''. When I reviewed my loan modification documents with my dedicated loan specialist, the rental income I reported on my Request for Modification ( RMA ) was missing from the calculations for the gross monthly income without any explanation whatsoever as to why all - or some of it - was not included in the NPV calculations. If they - Nationstar - can not do simple math to compute my gross monthly earnings, is it any wonder that I am being seen as having " excessive forbearance '' ..? This gross incompetence follows several months of very poor service from Nationstar regarding my application for a loan modification. Service deficiencies have included - among other problems - lost documents, repeated requests for documents or information which was already in the file, and failure to return phone calls in a timely fashion. As of the date of this letter, I have not received any correspondence from Nationstar to back up this assertion of " excessive forbearance '', including the NPV. I am appealing this bad decision - please see attached correspondence - and would appreciate any help you can give me to get me the help I may be entitled to.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2015-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No