Date Received: 2015-08-24
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: My husband and I have been trying to get our mortgage company NATIONSTAR MORTGAGE COMPANY, to give us the balance on our home loan in writing since early 2015. Our first few request were placed through our attorney to Nationstar 's attoney. We were told on numerous occations that Nationstar 's attoney would try to facilitate obtaining this information. We found your website and folowed the directions listed and sent our first formal request ourselves on XXXX XXXX, 2015. This prompted a response that no information would be forthcoming, per XXXX XXXX XXXX, our Nationstar appointed contact via email. ( after we inquired XXXX more times for the balance ) I would think that this information would be very easy to obtain, since this would be just a click of a button to find a loan balance that they are servicing the loan for. We filed a complaint with the CFPB on XXXX XXXX, 2015. Nationstars attorney responded to the CFPB on XXXX XXXX, 2015, we had court on XXXX XXXX, 2015 and Nationstar was ordered by a Federal Judge ( Judge XXXX XXXX, of the XXXX District of Oklahoma ) to correspond with us through a Court Order. Once again we followed the proper protocall and mailed a certified letter requesting the balance on our home loan at this time. This second certified letter was mailed on XXXX XXXX, received by Nationstar with the Court Order attached on XXXX XXXX, 2015. Nationstar NEVER responded to our request as they are suppossed to once this request is received in the five ( 5 ) day time frame upon receipt of our request. It is our desire to know the balance on our home loan as we have received nothing from Nationstar in the 4 years that they have serviced our loan and we have been in a Chapter XXXX bankruptcy. A court order is in place ordering them to communicate with us and they still choose to ignore this Court Order. Our bankruptcy will be discharged in about a month and we need this information to possibly refinance our home due to the HORRIBLE way we have been treated by Nationstar Mortgage Company and their lack of Customer service. This is a very basic request and we do n't understand why Nationstar has blatantly ignored our request. Also in our first complaint to you Nationstar has a habit of changing our address on corresspondence to show it was mailed and this could be why it was not received. I 'd like to see if any such mysteruous correspondence is once again fraudulently floating around in their computer system. No mail has been received in connection to our request at our attorney 's office or at our home address as Nationstar was ordered to change our address too as of XXXX XXXX, 2015. Thank you in advance for your assistance with this complaint. The CFPB was extremely helpful in XXXX when we filed our previous complaint in helping to facilitate the placement of the Court Order to correspond with my husband and myself.
Company Response:
State: OK
Zip: 730XX
Submitted Via: Web
Date Sent: 2015-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-08-23
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: *Since XXXX, I am still " fighting '' with Nationstar regarding this mortgage ; they will not comply to the financial security standards as binding by Frank & Dodd Law . After fighting with them for two years when I overcame an illegal foreclosure in XXXX XXXX for filing a CFPB claim ; forging modifications documents ; I ward off another illegal modification and became current, and STILL NATIONSTAR IS CLAIMING MORTGAGE IN THE REAR! I had to pay {$6200.00} by XXXX/XXXX/XXXX to be reinstated ; it will not include the XXXX mortgage. An electronic transfer was submitted in the amount of {$6000.00} with a promise for the balance of the {$250.00} to be paid within 90-days. I have attached the payments for XXXX, XXXX, XXXX, XXXX, and XXXX. I have also attached Nationstar website claiming I owe them for XXXX. I have forwarded through their webpage multiple inquiries ... .with no response other than to call them. I want a written response no verbal. I have forwarded a separate electronic email transmission via worksite with receipt confirmation ... ..still no response other than to call them. I want a written response, no verbal. I have submitted a copy of the bank check for XXXX XXXX, and the XXXX other electronic payment processing documents for their validation, but they have not reconcile with the reinstatement documents with the amount {$5100.00}, which would leave my account current up to XXXX XXXX. These are harassment tactics that consumer should not have to endure because Nationstar bought her contract ... ..I DID NOT SEEK OUT NATIONSTAR. I DID NOT CHOOSE THEM AS MY LENDER. THEY WERE FORCED ON ME. Now, that the property is still underwater I can not refinance this property, but I will when the opportunity arise! Until that time, GOVERNMENT REGULATOR GET THIS DOGS OFF ME.
Company Response:
State: GA
Zip: 30044
Submitted Via: Web
Date Sent: 2015-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-08-23
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: My 1st issue is I believe that I am the victim of an ongoing crime regarding a foreclosure action on my property. My Mortgage Company and its servicers are initiating foreclosure proceedings on my property. In the event these proceedings take place, I believe I 'm entitled to a full investigation, as I believe there are substantial securities fraud issues as well as other crimes that have occurred or are occurring at the present time. Furthermore, I would like to bring to your attention that the methods by which the Banks are conducting foreclosures are extremely fraudulent and deceptive. Example, the Real Estate Settlement Procedures Act ( RESPA ), clearly states that no adverse action can be taken until all issues of a Qualified Written Request are satisfactorily addressed by a responsible officer of the creditor ; this is not the case in terms of their current practices. Their current practice consist of simply mailing the customer a copy of their original loan documents and suggesting that they are a Real Party of Interest because they are in possession of copies of the original documents and continuing with a foreclosure any way. This is a violation of the law, which many individuals have already been imprisoned for doing so, outside of the banking system. After mailing these copies they continue with default actions in which they collect default insurance from the XXXX and XXXX XXXX, under the same pretense of being a Real Party of Interest. Then after collecting default insurance they proceed on automatic pilot to conduct a foreclosure in which they fraudulently record a Trustees Deed as if the Trustee or the Bank conducted a bonafide sale at auction. The sale is not legally bonafide because the property was not transferred via a Deed in Lieu of Foreclosure and monies never exchanged hands. Additionally, no arms length transaction took place, not to mention that no transfer taxes are being paid to the counties. To exacerbate matters even further, local law firm receive affidavit from sometime fictitious people stating that they validate the fraudulent foreclosure. These affidavits become the basis for Unlawful Detainer actions. This information is provided to you to make you aware of a crime in progress and give you a background as to what is happening so you may move forward in your investigation more rapidly. I have available a Securitization Audit and Analysis of my note and security instrument. My 2nd issue applies to a HAMP loan denial. I applied for a HAMP loan modification and received a denial letter some 8 months later. After several months of stonewalling, numerous requests for lost and out of date documents, shuffling paper from one person to another, discouraging remarks, different managers and underwriters, either new or leaving the company, giving every excuse not to approve the loan modification. After the denial letter, knowing full well that I qualified for the loan modification, I sought help from XXXX XXXX XXXX ( XXXX ) to assist me in acquiring a HAMP loan. XXXX completed a substantial and in-depth review of my circumstances. I clearly qualify according to the federal guidelines and should have been offered an approved loan modification under the federal guidelines, but have been denied several times. The review indicated that I qualified for both the HAMP and HAFA programs. the Making Home Affordable Act ( RMA ) forms were submitted, along with additional required documents. XXXX opinion is that Nationstar is refusing to work with me and is finding every reason to go forth with the foreclosure on the property. XXXX have strongly encouraged Nationstar to follow the federal guidelines for the modification review and stop the delay tactics and discriminatory acts displayed by Nationstar. I 'm happy to provide any and all assistance, I very much appreciate your cooperation.
Company Response:
State: AL
Zip: 83854
Submitted Via: Web
Date Sent: 2015-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-08-23
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: XXXX XXXX XXXX sold my loan to Nationstar Mortage LLC. It is almost impossible to deal with this company and took pulling teeth to finally find out how to pay my mortgage. Now I receive a letter from my insurance company ( XXXX ) that even though I am paying my mortgage that XXXX is not receiving mortgage insurance premiums. I am paying for insurance with XXXX but XXXX is keeping the money and not paying my insurance company.
Company Response:
State: NC
Zip: 27603
Submitted Via: Web
Date Sent: 2015-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-08-23
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: In XX/XX/XXXX, I refinanced my FHA mortgage to XXXX XXXX XXXX. The refinance resulted in ARM of more that 10 %. My payment went from {$1300.00} to {$1900.00}. Within 4 months of the refinance with XXXX, I received notification that loans servicer was transferred to XXXX XXXX XXXX. In XX/XX/XXXX, I sought XXXX 's assistance and received a loan modification which converted my ARM to a fixed rate of 5.125 %. I had a hardship in XX/XX/XXXX and obtained a modification agreement requiring a trial period of 3 months. Due to another hardship in XX/XX/XXXX I obtained another modification which required a trial period on XXXX payments. I made the first 2 payments timely however failed to make the third payment by the due date. This was because my wages were being garnished at the time of the trial period. Nationstar returned the 2 payments. Later in XX/XX/XXXX I contacted Nationstar to ask if I could re-apply for a modification. I was informed that I was able to re-apply. I reapplied and was granted an in-house modification rather than a HAMP Tier I or HAMP Tier II. I was denied the HAMP Tier I because I received the maximum number of modifications permitted under the modification program. However, I dispute this because I was not granted a modification in XX/XX/XXXX due to my failure to make all the payments on time during the trial period. Further, I have concerns about the initial integrity of the XXXX XXXX XXXX. Lastly, I did not experience any reduction in my mortgage payment through any of the modifications offered by the lender.
Company Response:
State: MD
Zip: 20723
Submitted Via: Web
Date Sent: 2015-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-08-21
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I received HAMP modification on XXXX XXXX. Now I have been told that I still owe over {$180.00} in past dues fees from XXXX, XXXX and part of XXXX up to when my loan got modified through the hamp government program. How could it be that Nationstar is still asking me to pay for all those back fees. No fees should be remaining apart from anything that pertains to my new modified loan from XXXX XXXX moving forward only.
Company Response:
State: OR
Zip: 97219
Submitted Via: Web
Date Sent: 2015-08-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-08-21
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I originally had bought a condo here in XXXX in XX/XX/XXXX with an interest only XXXX loan. The XXXX % was a 5-yr ARM and the XXXX % was a Heloc. I had used a loan officer in XX/XX/XXXX to deal with the bank at the time ( XXXX was first then XXXX then XXXX XXXX XXXX and now Nationstar ) which was XXXX XXXX XXXX. They told us no as I did not qualify for any programs at the time even tho I was never late and had high credit score. At 5-yrs I contacted them myself to same end. Then with the rates so low it adjusted in half and continued to remain low with each adjustment at every 6 months. Then I retired XX/XX/XXXX and XX/XX/XXXX they sent letter saying they were charging me XXXX dollars each month towards principal along with the continuing XXXX plus dollars interest. I have paid at least XXXX dollars interest only on the loan. I called them after receiving the letter only to be told i had XXXX options. Lower rate which I was already at lowest or extend term of loan but that it would cause me to have higher rate which would wash out savings. So they told me to best stay at where I was. I paid the principal only for XX/XX/XXXX then just stopped paying both banks, Nationstar and XXXX. I know Nationstar has several lawsuits against them thus far. No harrassment as of yet, but My loan is going into default then foreclosure soon. I am contemplating seriously Chapter XXXX Bankrupcy. My credit was at XXXX plus or minus til this month.
Company Response:
State: NV
Zip: 89118
Submitted Via: Web
Date Sent: 2015-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-08-21
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I made a loan in XXXX for a 30 year fixed, XXXX loan. When I went to sign, the mortgage company had switched the loan to an interest only loan, and when I called them, they said my credit had not been good enough for a conventional. I told them that it was untrue, and they had approved me, that was why I was at the signing table. The company told me they had made a mistake, but if I would go ahead and sign, and they would refinance it in 6-8 weeks. I did and they immediately sold the mortgage to Aurora Loan Services. Two years later, I lost my job and had to move. I managed to continue to pay the mortgage for some years XXXX until XXXX ). I repeatedly contacted Aurora, and they would not modify the loan, even though they verbally admitted numerous times after discussing my finances, that I could not afford the loan. Finally I told them I was going to file a Deed in Lieu ( DIL ). They said I must be at least 30 days behind, and try a short sale. I quit paying, contacted a realtor, put the house on the market, and they filed intent to foreclose. It is now called dual tracking. After they filed the foreclosure, they sold my loan to Nationstar Mortgage and XXXX XXXX ( XXXX ). However, neither Nationstar nor XXXX were ever legally on the deed, as the property was in judicial foreclosure at the time. I went ahead and filed a DIL in XXXX XXXX, and my name was taken off of the property by the county recorder in XXXX XXXX. Aurora did not want a DIL, as they were trying to sell the loan to make it easier to foreclose on, as there was originally only XXXX lender for both first and second liens. I had signed over the property via the DIL to Aurora and to XXXX, as I thought that would be fair. I sent copies of the filed DIL by certified mail to all three companies. Aurora did not file with the county recorder 's office to showing ownership had passed to another bank, and could not, as they had already started foreclosure proceedings. The foreclosure proceeded and Aurora filed a motion to substitute a party XXXX Nationstar XXXX on the very day the foreclosure took place. They did not legally own the property until that time. Although the DIL took the property out of my name in the recorder 's office, the foreclosure in XXXX XXXX gave the property to Nationstar bank. With the judicial foreclosure in Oregon, the foreclosure ended any financial responsibility for the property. " This judgment shall not create a personal lien or liability against Defendant XXXX ... The Property is encumbered by a second position deed of trust securing a second loan also originated XXXX XXXX XXXX XXXX Funding, but then transferred to Aurora. Because both the plaintiff 's Loan and the second position loan are residential trust deeds and were originated at the same time XXXX XXXX Funding they are subject to the anti-deficiency provisions of ORS XXXX ( XXXX ). In no event should it be construed as establishing personal liability for any persons whose debt has been extinguished in bankruptcy or by an In Rem order granting relief from stay, but only to foreclose the deed of trust mortgage. In the event the proceeds of sale are insufficient to pay the amounts due to Plaintiff, Plaintiff shall not be entitled to any further judgment, including a judgment for deficiency. " The statute has been revised to say " after a trustees sale under ORS XXXX or after a judicial foreclosure of a residential trust deed, an action for a deficiency may not be brought or a judgment entered against the grantor, the grantors successor in interest or another person obligated on the note. " My responsibility ended on the day of the foreclosure.
Company Response:
State: FL
Zip: 324XX
Submitted Via: Web
Date Sent: 2015-08-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-08-21
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I am a XXXX-year-old ( almost ) senior. Several years ago a trusted financial advisor lost {$50000.00} of my IRA and I felt forced into getting a reverse mortgage. I got it through XXXX XXXX who subsequently sold it to Champion Mortgage. I am struggling financially because I must keep current on my property taxes and homeowner 's insurance. I asked Champion to reduce the amount of my PMI to be the same as the President 's recent reduction and they refused, citing a bunch of " gobbledy-gook '' as their reason. Can you help get my PMI rate reduced? And, is there an organization where I could ask for a grant to help with my property taxes? Thank you for your help.
Company Response:
State: AZ
Zip: 856XX
Submitted Via: Web
Date Sent: 2015-08-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-08-21
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: My property was originally appraised at XXXX and I currently owe XXXX resulting in a loan to value ratio of 76.5 %. Nationstar mortgage is refusing to remove my Private Mortgage Insurance despite the fact that I 've exceeded the 78 % required as documented by the CFPB on their website here : http : XXXX
Company Response:
State: NJ
Zip: 07753
Submitted Via: Web
Date Sent: 2015-08-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes