Date Received: 2015-08-25
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: My mortgage servicing company is padding my escrow account they have raised my mortgage by over {$300.00} a month. And I received less than a thirty day notice. The servicing company own rules state that they must give a sixty day notice of a increase in the monthly payments. The amount of money they want is excessive and is way over the minimum amount required to have in my escrow account.
Company Response:
State: CA
Zip: 92570
Submitted Via: Web
Date Sent: 2015-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-08-25
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: FORECLOSURE FRAUD CONSPIRACY. PLEASE HELP INTERVENE.. THANK YOU, CFPB. Attached documents for your examination ....
Company Response:
State: CA
Zip: 95037
Submitted Via: Web
Date Sent: 2015-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-08-25
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: FORECLOSURE FRAUD against our HOME - PLEASE HELP INTERVENE!!! Nationstar Mortgage LLC - the subject of XXXX ' Foreclosure Fraud Complaint with CFPB, recent file # XXXX submitted in XXXX XXXX, now proceeds to cause a Notice of Trustee Sale to be recorded against the XXXX 's home on XXXX ... based on.. FORGED Foreclosure INSTRUMENTs ... and based on an UNLAWFUL Notice of Default -- DEFAULTED Debt Validation Request ( attached ), False Servicer Declaration, as explained in referenced Complaint File, False " current owner of Debt '',, and FALSE Trustee Quality Loan Service Corp who recorded the NOD and NOTS -- with claims that are based on a FORGED Substitution of Trustee ( CFPB File XXXX ) ... This all started with Nationstar 's FALSE CLaim as Assignee, with its " self-executing and manufactured assignment instrument '' which it caused to be recorded XXXX XXXX ... purportedly from original lender Homecomings ( via MERS ) -- which could NOT BE POSSIBLE because Homecomings filed for Ch XXXX bankruptcy in XXXX XXXX, hence no asset to transfer to Nationstar in XXXX. XXXX XXXX. Sections XXXX, XXXX, reference : XXXX XXXX XXXX XXXX XXXX, case # XXXX, XXXX Bankruptcy Court, XXXX XXXX XXXX New York. With only FORGED INSTRUMENTS, and NO PROOF as required by the foreclosure laws in XXXX XXXX XXXX XXXX - we appeal to CFPB 's authority to HELP STOP this ILLEGAL TAKING AWAY of Our home. Thank you for your URGENT HELP!
Company Response:
State: CA
Zip: 95037
Submitted Via: Web
Date Sent: 2015-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-08-24
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I called you on the XXXX/XXXX/15 to file my case and i have waited for a full month because today is the XXXX/XXXX/15 with a case number of XXXX I have been patiently waiting a response from my complaint yet I am looking on line and there is no reference that I even filed a previous complaintI want to make sure that you help me with this problem I have been fighting with my mortgage company now for so long and they have placed me in foreclosure, not because i have not tried to work with them but i feel they do not want to give me a dying chance to re-modify my loan. they have given me a balloon mortgage that i had no knowledge of and as soon as i was unable to work, XXXX. i the same breath i lost both my husband and mother 3 months later to violence. i was unable to work due to XXXX and XXXX and when i request help from my lender they turned me down. they tricked me into believing that they would place the outstanding amounts i could not pay to the back of my mortgage but as soon as the 6 months period ended they told me to pay all the arrears in full. i ca n't imagine a low incomes person like me how must i pay all that at once and i was n't even working at the time. I found a job later but was not making as much as i was when i was employed as a XXXX. right now i am working XXXX an hour and getting monetary additional help from my children who resides with me and pays me to live with me so i can more than take care of my mortgage at this time. i just need my lender to cooperate with me and help me remodify my loan to stop the foreclosure so that me and my children and grand children do not have to be another statistic of being homeless. please help me to help my family. someone i am crying out to you for ; help i do not want to loose my home i need a remodificaton please can some one speak to my lender they wo n't listen to me
Company Response:
State: FL
Zip: 33169
Submitted Via: Web
Date Sent: 2015-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-08-24
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I was sitting at home, working diligently and making my house payment on time as I have for the past 12 years. Nationstar Mortgage decided to tack on a " property inspection '' fee to make sure I still live here. I never authorized it, no clue why they charged me for it and am arguing with them about their random fees. Their response so far has been " well, it was {$13.00} this month, you are lucky it was n't {$300.00} ''. This has to be illegal. I asked them for written documentation where it says they can randomly assess my account funds ... ... ... they never sent that documentation and suddenly do not speak English very well. I have been on the phone almost every day with them and just get put on hold for hours.
Company Response:
State: CO
Zip: 80241
Submitted Via: Web
Date Sent: 2015-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-08-24
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I am writing this to inform CFPB of what I see as predatory and alarming that a government program setup to assist homebuyers to avoid mortgage crisis are denied access into programs that could help the both Homebuyer and Mortgage Service. I find the reasoning for denial of application with Nationstar Mortgage troubling and this is the reason that I am asking for help. My qualifications meet the eligibility requirements and are to close for the door of opportunity to close, which I should have been approved. I have had great credit since I was XXXX years old and this situation, which is due to hardship and not poor financial planning on my part, should not be held against me. I was just Employee whom showed up to work one day and was informed that they would no longer need my services. I am in disbelief that something like this could ruin my credit and am asking for your consideration in reviewing this matter. I have documented the events that happened throughout the application process and am willing and able to share them with you in support of my case.
Company Response:
State: IL
Zip: 60608
Submitted Via: Web
Date Sent: 2015-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-08-24
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Our mortgage was bought and sold XXXX times by various companies. The current owner, Nationstar Mortgage, recalculated our payments and even though we NEVER MISSED A PAYMENT ( even paid more on principal every month since the inception of the loan ) they charged us fees, penalties, and interest that they themselves could not explain. We hired an attorney to understand what we were being charged for and he ultimately told us he could n't talk to anyone who could explain it, show a proper accounting of the " recalculation '', and could not even begin to figure it out. The attorney thought that we had been " swindled '' for XXXX of dollars through devious and deceptive accounting methods. In fact, Nationstar Mortgage could not even provide us with an amortization schedule of our loan to this day! On top of this, we have a red flag on our credit as having missed payments when we NEVER missed a payment and ALWAYS PAID EARLY and above the required payment. To date, we are convinced that their " recalculation ( s ) have cost of XXXX of dollars ( if not XXXX ) which they can not explain in words or figures. If a lawyer can not help us then we felt we had no alternative but seek help from your agency. The transference ( Sale ) of our mortgage to Nationstar Mortgage Company from XXXX Bank has been a nightmare from the inception and has cost us more than just money. We need help and intervention for a full explanation and accounting from this company. We thank you for your help. XXXX XXXX XXXX
Company Response:
State: CA
Zip: 90275
Submitted Via: Web
Date Sent: 2015-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-08-24
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I paid off my mortgage on my primary residence in AR last XX/XX/XXXX. The mortgage was originally with XXXX but was taken over by Nationstar in XX/XX/XXXX. When I paid the account off I received nothing from Nationstar to confirm the payoff until I called and asked for confirmation -- XXXX times and 6 weeks before I received a response. I was sent a copy of their filing with XXXX County asking that the Release of Lien be recorded and returned and was told I would get that recorded Release when they got it back. After many tries I never did get the recorded release from them After multiple calls, lies and exchanges of letters I was told they had sent me everything I was entitled to and hat they had investigated and done nothing wrong. I believe this is fraud and can hurt unsuspecting consumers who may rely upon a release only to find out years later when they go to sell that the records do not reflect the release. While, after months of dealing with this company to no avail, I was able to pay a lawyer and get the recorded version of the Release, not everyone can do this and I should not have had to. This company was rude, arrogant and negligent at best in NOT fulfilling what it said it would do and what it is required to do and less fortunate people should not have to put up with this type of treatment. Please let this company know that you are watching and will not tolerate what happened here as a routine when dealing with its customers.
Company Response:
State: AR
Zip: 729XX
Submitted Via: Web
Date Sent: 2015-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-08-24
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: Hello, I am asking for some assistance regarding the property next to my primary residence. It is currently abandoned. My wife and I assisted the XXXX elderly XXXX american residents for the past XXXX years. Both recently passed. Upon their passing we learned that they had acquired a reverse mortgage from Champion Mortgage. As I understand it upon passing of the last resident the total amount of the mortgage is due. According to public documents my neighbors prepared a beneficiary deed naming XXXX women. Both are apparently unable to payoff the mortgage and have not been seen since the passing of our neighbors. I have been taking care of the property because the mortgage company shows no interest in upkeep. Repeated calls to Champion mortgage go unanswered. I am interested in finding out what is going on with this property since bills and delinquent notices are piling up on the front porch. This has been going on for more than XXXX months.
Company Response:
State: MO
Zip: 63130
Submitted Via: Web
Date Sent: 2015-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-08-24
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: My mortgage was transferred to Nationstar Mortgage on XXXX 2015. The first few months we were not qualified for automatic payment and according to their guide we were eligible in XXXX 2015. This is the most convinient way for us to pay our mortgage. On our first time using automatic payment with Nationstar, our funds were withdrawn from the savings account instead the checking account and they reverted the funds back to our account. Then we tried the second time and they returned the funds again. Then I tried to pay directly from my bank and it was not accepted. Then I tried to pay with a personal check and when I returned from vacation I found out the check was return to me as well. We 've not being able to make an automatic payment ever since and now we are no allowed to pay by phone or by personal check either. We have to pay by certified funds, XXXX XXXX or XXXX XXXX Payment. Apparently, XXXX XXXX only allows payment from a XXXX card debit account which leaves me with XXXX options out of XXXX Nationstar available options. I 've always pay my mortgage on the XXXX but with all of these issues, it 's being difficult to pay on the XXXX because even my personal checks are being returned. Apparently, they put a hold on my account for six months which does not come due until XXXX 2015. When I call them to resolve this issue, I get the run around with no avail. I sent a certified check on XXXX XXXX, 2015 with a XXXX post delivary date and it has not being posted into my account yet. I continue to pay fees and it 's becoming outrageous at this point. Now I was imposed the {$50.00} fee for late payment plus the cost of purchasing a certified check for {$5.00}, stamps and cost for a XXXX date post delivery. I 'm frustrated that they do not offer to assist me in a better way, leaving me with the desire of refinancing with another mortgage company. Their customer service lacks proviciency and efficiency. The supervisors do not offer much help either. I 've being a mortgage holder for over 10 years and I 've never encountered such payment issues. Could you assist me with this issue? I do n't know how much longer I can take this type of lack of customer service especially when I want to pay my mortgage on the XXXX as I am suppose to do. Your assistance will be greatly appreciated.
Company Response:
State: MA
Zip: 02021
Submitted Via: Web
Date Sent: 2015-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No