Date Received: 2015-08-12
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: This is the XXXX complaint against NationStar the continuously reply back extending the time to get back with me. Now I am finding that since XX/XX/XXXX when I purchase my home and later XX/XX/XXXX Nationstar bought the loan no one recorded my deed of trust nor did they record my Modification nor did they tell me that I had a second lien, after several times asking. it appears the modification was never recorded and the original deeds still remain. Since I have this XXXX, w hat happen if I foreclose or short sell. They also told my Realtor the same story I only have ( 1 ) lien with them. Later I 'm thru HAMP and HUD is taking part of my loan so yes I do have a ( XXXX ) lien. Please help, I do not want the home and trying to short sell, but I am afraid of being sued. I have medical bills, divorced and the house was damage XXXX XXXX and insurance only paid a fraction of the damages.
Company Response:
State: TX
Zip: 77099
Submitted Via: Web
Date Sent: 2015-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-08-12
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: We have been trying to get a hold of Nationstar to assist us in foreclosure prevention. It has been most frustrating as everytime we call we are routed to the XXXX. We tried to reach the assigned dedicated specialist however he has not been available. The situation is that due to a severe hardship we fall behind, and when we called to get an amount to pay last month, we were told to pay approx {$27000.00}. Then a few weeks later it was approx $ 30K. Both a letter and the bank statement showed {$30000.00}. In addition when we spoke with one of the representative, XXXX XXXX, he advised that we continue to work on getting the amount in as soon as possible but try not to go over XX/XX/XXXX, as at the point it could go over to the attorney to set a date. Prior to it going to the attorneys, they could accept that amount. We have been calling since last week, and each time we called we received a different amount to pay. Yesterday after speaking with several representatives that are working out of the XXXX, we received different information, then when transferred to the US reps, we received still different information, and we were advised to call the attorney 's office - XXXX. We called the attorney 's office and Spoke with XXXX, she advised that she could not give us any amounts as that would have to come from Nationstar. It seems as if they are playing games as we are getting close to them setting the date of the sale. Since we were not getting any replies from anyone at Nationstar, we sent a payment of {$30000.00} based on the last statement showing {$30000.00} because we do not want our home to be foreclosed. The amount has now been received as I called the bank and the payment was confirmed, however, it is in a suspense account so it is still showing our account outstanding for the payments. This is most disturbing as the payment amount makes our payments current to XX/XX/XXXX with approx. another {$1400.00} extra. We believe they are taking advantage of the situation to set a sale and charge more money as they are now charging us {$37000.00}. Again, when we called the attorney 's office we were advised that publication of the XXXX had not been ordered by Nationstar as of yet and this was Yesterday XX/XX/XXXX. Today we were also advised that there was no sale date. Yet we are receiving notices that a XXXX/XXXX/15 sale date was set by Nationstar. In the past we have had issues with how they calculated insurance, a few times when we actually had insurance they force placed a policy and charged us over {$4000.00} for the year. In addition, our taxes were miscalculated and ended up paying more for our monthly mortgage payment. We did call them but it was not an easy or quick resolution. SO this latest stint of having them route us to representatives using Dialers where they ca n't transfer us per some agents to US Representatives is just a travesty when we are dealing with a very serious situation. Even when we told one of the representatives that we were going to file a complaint for their mistreatment of our account, she merely said, '' Ok, it is your choice ''. We do n't believe that having people who do n't care or understand the seriousness of these situations should be allowed to handle these types of accounts. We are not deadbeats as the bank makes us out to be. We too were victims of the dreadful recession which caused my company to transfer out of XXXX to XXXX. The dedicated specialists we had in the past were very helpful, however as of late, it has been very frustrating not being able to speak with someone with authority.
Company Response:
State: CA
Zip: 92028
Submitted Via: Web
Date Sent: 2015-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-08-12
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: A reverse mortgage lender assessed against the reverse mortgage loan {$15000.00} in fees for " removal of a lien '' on the property. However, there never was a lien on the property, according to the county recorder 's record. When the reverse mortgage lender was contacted in writing on several occasions and asked to provide a written explanation, they did not want to discuss the matter and kept insisting that they had no knowledge. The original borrower of the loan has died and the lender is calling the loan ; for which, they have started a foreclosure process. I reminded the lender in writing that their foreclosure action is based on false information and incorrect final balance, however, my warning again went unheeded.
Company Response:
State: CA
Zip: 92223
Submitted Via: Web
Date Sent: 2015-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-08-12
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Nation Star took over mortgage processing XXXX 2015. They have failed every month to automatically withdraw the payment from our account. Starting in XX/XX/XXXX, they have lied during multiple phone calls and told us the problem was resolved/fixed. They also promised to call back with information and the resolution and did not. They continue to phone all hours of the day and night -- past XXXX -- and mail saying the payment is past due. This suggests an intentional ongoing corrupt practice to be able to collect late fees, raise interest rates and foreclose on properties, epecially targeting senior citizens. To be fair, not all service reps were dishonest nor hard to understand. Several simply did not have the authority to resolve the issue. Nonetheless, those who did assured us the problem that they caused was fixed. It still has not been.
Company Response:
State: FL
Zip: 320XX
Submitted Via: Web
Date Sent: 2015-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-08-12
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: We, my husband and I, are being charged another {$1000.00} on our mortgage payments without real justification for the increase ( from {$1000.00} to XXXX ). Last month with the auto pay that we had set-up with them our account went negative about {$900.00}. We scrambled to make up the difference immediately and tried to communicate with this company to get answers, but we were only given the run around. I had to figure out on my own that I was being over charged on the taxes. So I went to the tax offices that are involved, because I happened to buy a house that is situated in two counties ( XXXX county and XXXX county ). Both counties explained how we are taxed. We pay full county taxes for XXXX, because that is where our house is physically at and only pay Comal ISD and city taxes for XXXX county. Very simple. They gave me estimations on what the taxes are, that came close to what we used to be billed. So with this new knowledge I called the mortgage company explained where their mistake was, but I have experienced with them the run around. They said it was going to be corrected and still have n't corrected anything. Now it is another month and the payment is due, but we are still being charged the {$2000.00} and again I went to the county offices and they told me the same thing and gave me print outs of what they thought could help ( to fax to the mortgage company ) and they told me the mortgage company should call them, so that the county offices can explain it to them ( the mortgage Co ). The mortgage company is telling me I have to wait 7 days so that they can investigate the situation, again. But our mortgage is due my husband and I only have the normal amount that we were a custom to paying and budgeted for, we do n't have {$2000.00} to give them this time. We never would have bought a house with such a high monthly payment. Never! Now I 'm scared to lose the house over something that is not true and correct. Please help.
Company Response:
State: TX
Zip: 78130
Submitted Via: Web
Date Sent: 2015-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-08-12
Issue: Application, originator, mortgage broker
Subissue:
Consumer Complaint: last year I filed a complaint concerning Nation Star Mortgage and documents they stated they never got ( cfpb case number XXXX. I was directed that they got the {$50.00} assumption fee but not required documents. I faxed them on XX/XX/2015 at XXXX, exactly what they needed. I got a credit pull and then a letter from research dated XX/XX/2015 Ref number XXXX. That was it never did anything and all I want to do is assume this debt. They had a freedom mortgage call for a refi/assumption but after today I found out that I was lied to.
Company Response:
State: PA
Zip: 158XX
Submitted Via: Web
Date Sent: 2015-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-08-11
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: This is the third time I am reporting Nationstar mortgage to the consumer protection agency. My track record on payments have been bad due to XXXX layoffs and most lately expensive medical tests for my XXXX year old father, who lives with me. I am XXXX in arrears. I have tried to catch up by paying them {$1000.00} on XX/XX/2015,XXXX on XXXX/XXXX/15, XXXX on XXXX/XXXX/15 all of which has been returned to me with the explanation, that is was not enough. I just sent Nationstar, on XXXX/XXXX/15 a check for more than half of what I owe, {$6000.00}. I fully expect it to be returned to me. Then I will receive a letter from the prevent foreclosure dept. offering help in keeping my house. I need someone to take them to task for not working with me the way that they should. I am trying to get caught up to no avail. Please see if there is anything that you can do to help. Your involvement in the past has helped.
Company Response:
State: PA
Zip: 190XX
Submitted Via: Web
Date Sent: 2015-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-08-11
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: my XXXX homeowner 's insurance has been updated and lowered to {$1400.00} annually @ {$110.00} per month. We 've faxed, emailed and mailed nationstar mortgage over XXXX times and they still fail to update my homeowner 's insurance/escrow records. XXXX themselves has mailed XXXX the new {$1400.00} annual premium records multiple times with no success ... HELP from the CFPB?
Company Response:
State: OK
Zip: 73072
Submitted Via: Web
Date Sent: 2015-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-08-11
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Nationstar Mortgage has refused to take my account off escrow because of a lapse in insurance coverage. I had Lender Placed Insurance! I asked them to provides me a copy of the insurance thy placed and they are mailing them to me. Attached are copies of my correspondence with them. It proves that I had insurance so they can take me off escrow now. They have lied and tried to deceive me since they acquired my loan.
Company Response:
State: CO
Zip: 80260
Submitted Via: Web
Date Sent: 2015-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-08-11
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I am currently 3 months behind on my payment, almost XXXX. Several weeks ago maybe XXXX we attempted to make a partial payment that was refunded unaccepted. We then applied for a modification which was denied. I have now been told that on Saturday XXXX XXXX a demand letter will require the full amount, XXXX approximately. I attempted to establish a payment plan for XXXX today and XXXX on the XXXX but was told that i must make a payment of XXXX by Saturday to avoid the demand letter and starting foreclosure. I am in this position due to a loss of income and can not financially afford the lumpsum of XXXX or the XXXX at one time. I want to keep the home, i have a VA loan and want to avoid foreclosure completely, nationstar is simply refusing to work with me i feel.
Company Response:
State: NC
Zip: 28025
Submitted Via: Web
Date Sent: 2015-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No