Date Received: 2015-10-20
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I have been having problems from the beginning first starting XXXX. I was denied a loan modification time and time again. finally after the Obama enforcement went into affect they started working with me on a loan modification and qualified for reduced principle reduction. Instead they offered me a loan modification that increased my principle and added XXXX dollars to my loan. all the time I was fighting for a loan modification they added all kinds of undocumented latefees, escrows principle and interest payments ect. I was in dispute with them and working on getting a principle reduction, then I was transferred to Nationstar not aware. Nationstar communicated to me both verbally and on their website, that I was still in process for a loan modificatioin review for my principel reduction. several months later they notified me that they updated there system and I was not in review for loan modification correction and now am behind. I spoke to several managers that were going to credit me all late fees and the months my account was in limbo waiting for them to figure it out. but instead they threatened me to bring funds in or get foreclosure. I contacted them recently about my payments, asking about late fees that should n't be there and why is payment history does n't reflect accurately. I asked to make arrangements to send payments as I could but they pushed my loan to foreclosure and added several XXXX dollars in fees over XXXX. and said I know have to pay the entire thing current. I have never been able to have a single point of contact. I have to explain the story over and over each time I call and the person I speak to does not have any resolution. a letter is sent out that says my single point of contact is, but this person never answers or returns calls. they make it impossible to resolve, they are not working with me on keeping my home or making payments. I have informed them I can make lump payments but they will not accept. they keep adding fees and increasing my total due. I can never get to a manager.
Company Response:
State: CA
Zip: 90808
Submitted Via: Web
Date Sent: 2015-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-10-19
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I do n't know why that every month when i send in my mortgage check its always a problem with them cashing the check NationStar Mortgage I keep having to put a stop payment on my checks for last 3 Months because they said that they have not receive it out of all of my other checks that i have sent out are cash but Nationstar its always a problem and i would like to know why please.
Company Response:
State: MD
Zip: 20748
Submitted Via: Web
Date Sent: 2015-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-10-19
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: This is a continuation of a complaint I filed back in XX/XX/XXXX against Nationstar Mortgage LLC. The original complaint number was : XXXX. The situation recently has deteriorated significantly. I completed a deed in lieu with Nationstar on the property at XXXX XXXX XXXX XXXX XXXX MI. XXXX. The deed in lieu was accepted, I signed all of the closing documents with a notary at the credit union and after all was done and agreed to Nationstar sent me the " surrender of possession '' agreement as the final step. I signed the agreement and sent it back. Nationstar then took physical possession of the property, assumed responsibility for the utilities, property taxes and insurance. All was done. As referred to in the original complaint, as of XX/XX/XXXX I still had n't received my promised cash for keys check for {$3000.00}. I then asked what was taking so long and they admitted to me they did n't have an assignment of mortgage for the property. When I expressed obvious discontentment at this news, as that 's title fraud, they assured me all was well. It was their plan to get a power of attorney so they could solve this and we 'd be on our merry way. I have assumed since then that my involvement was no longer required as I 'd just have to wait for them to get the power of attorney and I 'd be getting my check eventually. As of XX/XX/XXXX, 15 months AFTER the deed in lieu was completed and executed, executed being the key word here, they are now harassing me to start making payments again or pay off the loan in full. I 've been turned over to collections and I 'm getting calls from Nationstar multiple times daily demanding I set up payment arrangements. I 've now received a document from Nationstar informing me they regret to inform me that my application for deed in lieu has been declined, reason being they ca n't clear the title. They ca n't " decline '' the deed in lieu as it 's already done and in the past. They have had possession of the property via the contract they executed for in excess of 15 months already. Their claim of " unable to clear title '' is outright lunacy. Of course they ca n't release me from the debt. By federal law the debt never existed in the first place. They never attained the assignment of mortgage for the property. At no point has Nationstar been legally authorized to collect money on that property. The assignment of mortgage has to be in place before that can happen. To this day, the mortgage for that property is still legally assigned to XXXX. This is the literal definition of title fraud. I 'm hoping there is a way to send documents with this letter.
Company Response:
State: MI
Zip: 495XX
Submitted Via: Web
Date Sent: 2015-10-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-10-19
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I acquired a reverse mortgage from Champion Mortgage XX/XX/XXXX for {$170000.00}. I received approximitely {$150000.00}. by the time they took all their fees. My question was will there be no prepayment penalty because it was always my intention to repay. I was assured that it was not a problem. I have found that the interest is very high and I sent them {$75000.00} to pay down the mortgage. I have had a great deal of trouble with their insurance department because they want flood insurance but my agent at XXXX XXXX said I was not in a flood zone. They refused to listen to her even when we sent FEMA charts. They charged me {$5000.00} a year for flood and will not change the amount. The mortgage co. paid my house taxes on XX/XX/XXXX without my knowledge and when I sent them a check for the taxes they refused to accept it. They held on to the bank check for several months before they returned it to me and it was out of date. luckily my bank went the extra mile and gave me my money back. They are now foreclosing on me and in order to try and get a new mortgage I checked the liens on the property and found that they had put a XXXX mortgage on the property for {$570000.00}. I never got one cent more than the first payment. I can not get any bank to even look at me untiI straighten it out. Please help a XXXX out of this mess.
Company Response:
State: FL
Zip: 347XX
Submitted Via: Web
Date Sent: 2015-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-10-19
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Dear Consumer Financial Protection Bureau, My name is XXXX XXXX. My loan # with Nationstar is XXXX. Previously the original loan was done with XXXX then sold to XXXX XXXX XXXX. XX/XX/XXXX due to the real estate crash XX/XX/XXXX and loss of income we were not able to continue making our payments of {$2100.00} We have gone though the modification " torture mill '' with XXXX XXXX XXXX for several years then Nation-star for over a year now who had repeatedly denied our modification even after being qualified with the HUD agencies . I filed a complaint with cfpb and now they have decided out of fear to give me a trial mod of {$3800.00}. From {$2100.00}. to {$3800.00}, Now this is just setting us up to fall on our face again. The loan amount is over is {$130000.00}, more than the market value. When I contacted them today and spoke to XXXX in loss mitigation, she told me that I can either short sale the property or just sign a deed in lieu. Please help me save my home.
Company Response:
State: CA
Zip: 92117
Submitted Via: Web
Date Sent: 2015-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-10-19
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I have a mortgage serviced by Nationstar Mortgage, I applied for an unemployment forebearance on XX/XX/XXXX and was denied in XXXX 2015, I appealed on XX/XX/XXXX and was denied on XX/XX/XXXX. The reason for denial was that I was told the investor ( XXXX XXXX ) denied because I had received a previous unemployment forebearance XX/XX/XXXX. I contacted XXXX XXXX on XX/XX/XXXX and was informed that they have no cap limitations on the number of unemployment forebearance requests and they had no record of Nationstar even requesting an approval of my request. I was only 60 days delinquent when I submitted my request and due to the complete lack of customer service and the lies I have been told by Nationstar I am now 5 months delinquent and facing foreclosure. They have been absolutely no help in trying to keep me in my home.
Company Response:
State: NC
Zip: 27540
Submitted Via: Web
Date Sent: 2015-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-10-19
Issue: Settlement process and costs
Subissue:
Consumer Complaint: My name is XXXX. XXXX in XXXX XXXX I sold my house in XXXX XXXX to " XXXX ''. We met in their offices I asked for XXXX $ which was a little over what I owed the mortgage company. They wrote me a check for the difference I handed over my keys an moved from XXXX to XXXX. A few times after that the bank would continue to take the money out of my account for the mortgage but I contacted the realtor for we buy ugly houses an they fixed it. I heard nothing more about the house until I briefly moved back to XXXX in XX/XX/XXXX. Then I found out the house I " sold '' was probably a rent to own an the people I thought I sold a house to stopped making payments. Still at that time I did n't feel it had anything to do with me as I sold that house. In XX/XX/XXXX I heard I was in foreclosure for that house. I received a notice from Nationwide, I sent them a lette saying I sold that house. First problem was since it was over 5 years since I sold it I had thrown away the paperwork from the " XXXX " people. Second problem seems to be no deed was ever transferred, recorded Or in evidence of the sale I thought was completed. I was still listed as owner. Despite several attempts to try to tell the I do not own this house have reaped no profit nor made any payments on it since XX/XX/XXXX. They are pursuing foreclosure on this house. I now live in Nevada an I do n't know what to do. A realtor friend of mine told me to contact you, please help I feel I have been the victim of fraud with these people " we buy ugly houses '' an feel helpless to stop this. I own nothing, have nothing an ca n't afford a lawyer. Thanks XXXX XXXX address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX email XXXXXXXXXXXX
Company Response:
State: NV
Zip: 89081
Submitted Via: Web
Date Sent: 2015-10-19
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-10-19
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I keep getting monthly mortgage statements from Nationstar Mortgage for a loan I have no idea about. I called Nationstar Mortgage to get a copy of the note and they told me that they can not give me any information.
Company Response:
State: MA
Zip: 02186
Submitted Via: Web
Date Sent: 2015-10-19
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-10-18
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: RE : Nationstar MortgageNationstar purchased my loan from XXXX XXXX XXXX and I have been nothing but unhappy. They are charging unnecessary late fees, that keep accruing because they will not accept any of my payments. I have requested a loan modification and I have to repeatedly resend documents I know they have received. When I call customer service they keep transferring me and I have left several messages for them to call me back. They have sent foreclosure letters but I can not get any one to answer my questions as to why. My home insurance company has stated they have n't received any payments from Nationstar.
Company Response:
State: TX
Zip: 75104
Submitted Via: Web
Date Sent: 2015-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-10-18
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: Nationstar Mortgage refuses to supply proof of XXXX XXXX approval of a XXXX transfer of our loan from XXXX after we submitted a completed first lien loan modification packet. Nationstar states they have no modification documents from XXXX. The trustee ( XXXX XXXX XXXX ) stated that Nationstar had started the foreclosure process and we owed them money. We requested verification of the debt from XXXX and they replied back stating they could find no record of our account. Nationstar changed the locks on our home and took our personal property. We filed a complaint in California Superior Court Our investigation leads us to believe that Nationstar has XXXX and is not our loan servicer.
Company Response:
State: CA
Zip: 960XX
Submitted Via: Web
Date Sent: 2015-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No