Date Received: 2015-10-09
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I receive XXXX from Social Security for XXXX. SSA assigned me to the XXXX Wednesday of the month, making me late on my mortgage payment all but 2 months of the year. I have called the Social Security Administration and they refuse to change it. Nationstar, my mortgagor refuses to help me. I am fined {$22.00}. extra each month because the payment is late. After I pay my bills, I have {$140.00} leftover. I can not afford late payment fees because of SSA assigning me to a week of the month that makes me pay my bills late. All other creditors understand and do not charge a late fee. Just Nationstar.
Company Response:
State: NC
Zip: 28120
Submitted Via: Web
Date Sent: 2015-10-09
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-10-09
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Complaint against Nationstar Mortgage LLC, in its continued " misconduct '' ... against its illegal attempt to take our home..for its undue enrichment. Please find attached. Thank you!
Company Response:
State: CA
Zip: 95037
Submitted Via: Web
Date Sent: 2015-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-10-08
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: My home loan payment with Nationstar Mortgage ( XXXX ) is scheduled to increase on XXXX XXXX, 2015 over 100 % from {$3800.00} to {$8400.00}. Nationstar misled me approximatley 2 years ago, by telling me the payment would increase approximately {$1000.00} monthly. That increase is {$4.00}, XXXX monthly. I can not afford that. I would have never signed documentation to that affect had I known the payment would increase so much. Additionally, I am still approximately {$300000.00} upside down in my home. This is former XXXX XXXX XXXX loan # XXXX.
Company Response:
State: CA
Zip: 907XX
Submitted Via: Web
Date Sent: 2015-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-10-08
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: We have been trying to get our home out of foreclosure, and it feels as though every step we take to accomplish this, the company forces us two steps back. We begin by discussing with our company, Nationstar Morgtage, that we would be going through a financial situation, making it difficult to make the full payment each month. We asked to make half, and were told that the best way to handle a situation like ours was to let it default. We did that, and also began the hardship process with the company. I sent information in, and consistently was asked for more information pertaining to our account. I understand the need for the company to be well informed on our situation, but in five months time, the hardship still was not processed, and they asked for more information, some of which was already provided. At this point, we were five months behind on our payments. We then decided to borrow money, just to get it out of foreclosure. I spoke with a representative in XX/XX/XXXX, and was told to pay a certain amount by XX/XX/XXXX. I mailed the payment on XX/XX/XXXX, and called on XX/XX/XXXX to confirm that they had received it. I was told that due to my payment being received two days late ( XX/XX/XXXX ), even though it was postmarked for XX/XX/XXXX, that I would have to pay an additional XXXX in attorney fees, just to get it back out of foreclosure. It feels as though Nationstar has done its best to do everything they can to make us lose our home. Prior to this financial hardship, we have never been late on a payment. We fully plan on refinancing after we can clear our account, and never plan to work with Nationstar again.
Company Response:
State: WA
Zip: 98837
Submitted Via: Web
Date Sent: 2015-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-10-08
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I received a letter dated XXXX stating because my loan was paid on time, I qualified for a recast that would lower my monthly payment and was totake effect on my XXXX XXXX payment. I have been working to resolve theissue and have spent 39 hours on the phone over 11 days. Nationstarhas not made any adjustments and/or provided the correct documentsregarding my recast. I received paperwork that was incorrect and did n't nnot reflect the amount quoted. Ive tried to resolve and work with themregarding the issue but can not find anyone with the knowledge to assistme. I was forced into paying the higher mortgage amount for XXXX with having written documentation that I would not have too.
Company Response:
State: TX
Zip: 79928
Submitted Via: Web
Date Sent: 2015-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-10-08
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: Dealing with a mortgage servicer with a loan modfication that was approved, however, at a much higher monthly payment then the original loan. Due to severe hardship with hurricane XXXX and losing employment, put fourth application for loan modification, which the servicer took a year to process almost to the date, and the new loan is setting us up for failure.
Company Response:
State: NY
Zip: 115XX
Submitted Via: Web
Date Sent: 2015-10-08
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-10-08
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: we were in bankrupcy with nationstar, they claimed they were not getting payments from bank rupcy court.. we pulled out of bankrupcy and started sending payments o them. i belive they are holding the late payments from bankrupcy court agianst me. if i was months behind they would have reposessed. my atorney was XXXX in XXXX va, the bankrupcy court judge was a XXXX
Company Response:
State: VA
Zip: 242XX
Submitted Via: Web
Date Sent: 2015-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-10-07
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Nation start starts calling on the XXXX of the month 3 times a day. They push on me verifying personal information and they get very rude, when I tell them I do n't give personal information over the phone. I have told them multiple time that I cant talk due to being at work and they call right back. I have asked they contact me by mail only and they still keep calling me.
Company Response:
State: CA
Zip: 92583
Submitted Via: Web
Date Sent: 2015-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-10-07
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: XX/XX/XXXX I purchased my condo and took a mortgage with XXXX XXXX. After close, the loan was sold to Nationstar XX/XX/XXXX. This morning I called Nationstar and asked them that if I was to pay an additional lump sum amount toward my principal, how would they treat it ( a ) reduce monthly payment, or XXXX b ) reduce loan tenor or ( c XXXX a combination XXXX Nationstar responded that I could pay down on the principal but they would not reduce my monthly payment nor issue a revised/shortened amortisation schedule. Their reason being that they are a servicer and can not run new amortization schedules. When I asked, how would I know the final maturity date on my loan, they said I could figure that out on XXXX or go to bank XXXX As for how my monthly payment is being applied, they said I could see that each month on my statement, but they could not issue a new amortization schedule. I find this disturbing and hard to understand - As a servicer if their system can generate invoices and apply payments then its not possible that it can not generate an amortization schedule. So I am not convinced that this is a case of 'inability '. It appears more to be their unwillingness, in which case I question their integrity i.e. what do they have to hide? why this lack of transparency to how a customer 's money is applied and maturity date. Is this even legal? Can they take my money but refuse to modify payments or amortization period? The Nation star customer service manager said I could modify maturity through refinancing!!!! So while the contract says there is no pre-payment penalty by forcing me to refinance to get a new amortization schedule they are making money off me in another way. Seems like my choice is to be stuck in a 30 year mortgage or pre-pay and rely on their word that they will correctly apply my monthly payment to a reduced principal balance and keep paying with no line of sight to final maturity.
Company Response:
State: CT
Zip: 06905
Submitted Via: Web
Date Sent: 2015-10-07
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-10-07
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: My loan is services my Nationstar, the loan itself is roughly 4years old. My escrow was set at a certain amount every month. Someone at Nationstar filed my insurance of the PMI incorrect and it made my payment skyrocket. I have called XXXX different times to get it resolved. At first it was even hard to talk to someone that could understand my situation. Finally after being transferred over and over I was led to a woman who was able to tell me that I owed the money for their mistake. I did n't give up there because reading online it seems this is unethical and bad business practice. I was then put in contact with a manager of the insurance department. He was very nice and took my information down and assured me they would figure something out. He called me the day after and said he was still working on it, which was a change of pace from how I was treated earlier. I thought I was in good hands. I was wrong because I let it go about 32 days and called him back. I left XXXX voicemails over 2 weeks thinking he was going to get back to me. I could n't be any more wrong. He has yet to call back and my payment is still higher than what I signed for. I have not missed my payment over the life of my house in 9 years. I do n't intend to start now. This company is to put it lightly, making it difficult.
Company Response:
State: MN
Zip: 55448
Submitted Via: Web
Date Sent: 2015-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes