Date Received: 2015-08-05
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I had a XXXX mortgage with Nationstar and I tried to get that loan modified, but was turned down because they said that I was current on my mortgage. I explained that I was running into terrible because I could not seem to rent this house out. I had been covering that loan along with the XXXX mortgage on that house with my savings, which was depleting. So I called to do a Deed-n-Lieu in XXXX 2015 and the representative that I was working with never contacted me. I would leave voice messages and he would never call me back. I would take days off from work to reach him, every now and then I would get lucky and he would pick up and immediately, he would say that he emailed me. I would hang up and check my email and it would be no email from him. Apparently, they gave the case to another representative who seemed to work diligently on the case. When I spoke with her towards the end of XXXX she received an email saying that, I had ran out of time and that the house had a sale date of XXXX XXXX. 2015. I asked, how could that be, if we were working on a deed n lieu. I asked, does it normally take this long to do a deed n lieu? She responded by saying, i 'm sorry. I have to close the case. Now the second lien holder has been calling me, asking me what 's going on with the loan. I keep telling them, that the house foreclosed. Also, I received a violation from the city of XXXX, va regarding the cutting of grass. I feel my case was n't handled property with the first representative and he sat on the case and then when they gave the case to someone else to handle it, it foreclosed and now i 'm stuck. Apparently, they did not sale the house after all, I think it 's in their REO department and Nationstar never contacted the XXXX lien holder which is XXXX.
Company Response:
State: NY
Zip: 11233
Submitted Via: Web
Date Sent: 2015-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-08-04
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I negotiated a loan modification for my home loan in XX/XX/XXXX. Nationstar is the servicing lender. I have made full payments under the modification agreement from the beginning. Nationstar has at times refused my payments, charged unauthorized fees without explanation, damaged my payment history and placed me in a position of possible default. They have insisted on phone consultations regarding these matters. Beginning with the XX/XX/XXXX payment I began to make my payments only with certified funds delivered to them by certified mail to establish a legal record of my communication with them. In prior phone consultations their representatives made statements that were not true and Nationstar followed up with charges, fees, misapplication of payments and other actions not authorized under the modification agreement. Available by request are 1 ) the modification agreement ; 2 ) XX/XX/XXXX cover letter with payment ; and 3 ) XX/XX/XXXX letter with payment. I request any assistance with this matter that you can offer.
Company Response:
State: WA
Zip: 98366
Submitted Via: Web
Date Sent: 2015-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-08-04
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: My wife and I submitted a mortgage modification request to Nationstar Mortgage in XX/XX/XXXX, due to decrease in income for Husband 's job. Nationstar did not provide a response to our modification request until XX/XX/XXXX, 1 year later! A " sham '' modification was offered wherein a {$8000.00} up front payment was required along with a reduced monthly payment for ONLY 2 years. My wife and I appealed the " sham '' modification offer to Nationstar 's Appeals Division. Nationstar did not respond until XX/XX/XXXX, rejecting our Appeal. We, then, accepted the Modification Offer and Nationstar rejected the offer and said a {$14000.00} up front payment was required, with only a two-year " sham '' modification. They then sent correspondence in XX/XX/XXXX, wherein they said they were " reconsidering '' the modification offer.
Company Response:
State: MI
Zip: 48375
Submitted Via: Web
Date Sent: 2015-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-08-04
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: On XXXX/XXXX/2010, my mother took a Reverse Mortgage Home Equity Conversion Loan with XXXX XXXX XXXX , XXXX whose address was XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, VA XXXX. My mother received a sum of money from XXXX XXXX but left {$95.00}, XXXX in equity on the property. My mother has passed. Currently, the loan is being serviced by Champion Mortgage whose address is XXXX. XXXX XXXX, XXXX, TX XXXX. The telephone # is : XXXX. The loan # is : XXXX. The problem that I am having is that two months ago, I found out that I am the mortgagor on the loan. At the time the loan document was drawn up, I was never told that the loan was in my name. Additionally, I was told that the {$95.00}, XXXX equity that my mother left in the property is probably worth {$20000.00}. I was also told that the remainder of the equity died with my mother. I was told that there is nothing that I can do at this time but to sell the property. However, I am writing to you because I feel that my mother was frail and vulnerable at the time she took the loan. Moreover, I was not given information about the type of loan and the pros and cons of a reverse mortgage that was subject to a life estate in my mother 's name. I do not want to sell my home and would like an opportunity to continue to live in my home. As a result, I would like to know if I am covered by the reverse mortgage since the loan was in my name.
Company Response:
State: NY
Zip: 11429
Submitted Via: Web
Date Sent: 2015-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-08-04
Issue: Credit decision / Underwriting
Subissue:
Consumer Complaint: I applied for refinancing of my Nationstar mortgage through Green Light loans who is a subsidiary of Nationstar. I was told not to make XX/XX/XXXX payment during process as one payent is skipped. I called Nationstar on XXXX XXXX when i got late notice on mortgage and they told me to disregard if I was refinancing. I got nervous XX/XX/XXXX and called Green Light Loans on XXXX XXXX and was told to make payment as I could n't miss two but not make XX/XX/XXXX. My wife made payment on XXXX XXXX and we were told we were turned down due to late payment. All of the phone calls had taping notifications upfront. I even have email from Greenlight loans confirming they are telling e I do n't have to pay one month loan.I had just been in very big lawsuits and had run out of money and had credit problems which my loan company knew but i had never paid mortgage late previously. They turned me down in id XX/XX/XXXX and when i paid, i now have XXXX late credits on my account and I am forced to keep paying much higher interest rate. I think they wanted to keep higher interest and purposely manipulated late payment. I attached e.mail showing they told me not to pay
Company Response:
State: TX
Zip: 78613
Submitted Via: Web
Date Sent: 2015-08-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-08-03
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: Had a loan mod approved by XXXX XXXX XXXX sent in first payment then no other paperwork came call them they said they sold loan to nationstar, called nationstar they would not honor loan mod said we had to start all over with them. sent everything to them heard nothing called said paperwork missing. sent all again and again they said paperwork missing. my point of contact changed every month so im just going in circles.sale date XXXX/XXXX/15. ive been railroded out of my house. surely this is illigal
Company Response:
State: CA
Zip: 91307
Submitted Via: Web
Date Sent: 2015-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-08-03
Issue: Credit decision / Underwriting
Subissue:
Consumer Complaint: *** This is not a Duplicate***On XXXX XXXX, XXXX on correspondence XXXX, NationStar excused that the Federal Trade Commission Affidavit XXXX provided as well as the Police report XXXX also provided were not valid because it was not an Identity Theft issue and also that it did not mentioned NationStar as part of the Police Report but a home owner insurance claim. Attached is a copy of the full police report. If you reference Page XXXX of the police report, it states that the report is an Identity Theft report. Also if you reference page XXXX paragraphs XXXX of the police report it states that the account affected was for a Nation Star mortgage account, it also contains the documents falsified by XXXX XXXX XXXX which are XXXX documents. These documents were submitted to the XXXX XXXX Police Department and are part of the Police Report as evidence of fraud. Yet on XXXX XXXX response, he forged a document by removing the fraud evidence by removing page XXXX of the document which shows the fax cover sheet and stated that there was no fraud found on the account. This is now a case of forgery. The original document is a .TIF which has the fax cover page showing that XXXX XXXX XXXX did the loan modification. The edited document is a .PDF which is missing page XXXX the fax cover sheet showing that XXXX XXXX did the loan modification. NationStar continues to state that the fraud activities I have presented were not caused. Someone falsifying documents and pretending to be me and signing documents as if it was me is fraud. The loan modification did take place on XXXX XXXX, XXXX, out of fraud activities and falsified documents. How can XXXX XXXX state that this did not " Occurred ''? He also stated on the same correspondence, that I verbally gave authorization to my accounts to XXXX XXXX XXXX. This is also false, and I need a copy of the recordings, as this is also a falsified piece of evidence. How could I have given verbal authorization over to my account and on XXXX XXXX, XXXX XXXX XXXX wrote a falsified letter pretending to be me requesting authorization over to the same accounts. I have not provided any form of authorization over to XXXX XXXX XXXX to my account. If there is such evidence, I need a copy of such evidence as well, since it is an entity to the other fraud activities and must be reported to the XXXX XXXX Police Department. NationStar also is not providing such key evidence such as the fax cover page of the falsified letter on XXXX XXXX which will show that XXXX XXXX XXXX wrote that letter pretending to be me, also the voice recordings of when XXXX XXXX XXXX called NationStar on XXXX XXXX, XXXX to remove banking information after I have changed online access and wrote a revoke letter removing access to XXXX XXXX. Lastly, XXXX XXXX stated that a password was added as requested by me to the account. This is also false. I have phone call recordings of me calling NationStar and not being asked for the password. My account is still not secure despite the multiple attempts of requesting for my account to be secure. I have provided a FTC Identity Theft report and a police report describing the fraud activities on my account, NationStar needs to remove the harm caused out of fraud from my credit file. This is now causing damages and extra harm to me.
Company Response:
State: TX
Zip: 77373
Submitted Via: Web
Date Sent: 2015-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-08-03
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I 'm writing because I 'm flustered and have exhausted my efforts with Nationstar bank on solving my mortgage problems and hope that you can advise me in a solution. Nationstar mortgage purchased my loan from XXXX XXXX XXXX in XXXX of 2013. Since then I have had nothing but problems. My loan is a 30 year fixed rate with the first 10 years going to interest. I am 3 months ahead on my payments. When I receive my statement each month, I have to call them and spend at least 2 hours on the phone to get the payment applied correctly because they have applied the payment to principal. In XXXX, I received a letter from them stating that after an analysis of my account, I was deficient in escrow and my payment was going to increase due to this shortage. My statements for XXXX, XXXX and XXXX reflected the increase from {$1500.00} to {$1600.00}. My calculations show that I will have a surplus of over {$800.00} by the time my property taxes are due, so why the huge increase. My statements for XXXX and XXXX show that I owe {$1700.00} with an overdue charge for $ XXXX.When I call about the overdue charge, they say it is because they received the payment late. When I tell them that I am 3 months ahead on my payments, they tell me not to pay the overdue charge and that they will make a correction. The corrections are never made. Now they are taking money out of my regular interest payment and applying it to late fees. This has cause a shortage in my regular interest payment and they have moved the remainder to principal. They have deducted {$80.00} twice. My statements for XXXX and XXXX have the same escrow balance. Why I do n't know. I have been on the phone for hours trying to get some answers and it ends up in being disconnected, in which they do not call back. When a Nationstar representative put me on hold to talk to a supervisor and I ask to speak with the supervisor, I am promised a call from a supervisor that never calls back or I am disconnected. I have been even told that we are the bank and we can do whatever we want. I have talked to XXXX in accounting and she was just down right rude and mean. She explained that I need to pay {$1600.00} per month. When I asked why they sent 3 statements showing I owe {$1600.00} and she disconnected the call. I did actually talk to a supervisor at one time and his name is XXXX at ext. # XXXX. He told me if I have any problems call him. On several occasions I contacted him for assistance and he asks for time to research the problem and then he never called back. I want a full explanation from someone at Nationstar that knows what they are doing and will go through each and every payment since they took over the loan. Someone that will not put me on hold for 2 hours and then disconnect and make me call back and explain everything all over again to a different representative. A representative that respects their customers.
Company Response:
State: GA
Zip: 30019
Submitted Via: Web
Date Sent: 2015-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-08-03
Issue: Settlement process and costs
Subissue:
Consumer Complaint: I had my mortgage through nation star when I recieved damage to my roof from a hail storm. I filed a claim with my insurance company and they sent a ck out to be endorsed by them and everything went as planned. Roof was repaired but in that time I sold the property. My insurance company sent me the depreciation ck which also required the endorsement but since the property was sold nationstar refused to sign or send anything to my insurance company stating that I sold the property. I was out of pocket XXXX of dollars waiting to recover my depreciation. This was at the end of XXXX here we are in XXXX. I work XXXX full time jobs but still spent countless hours on the phone over a period of many days trying to come to a solution. I 've asked them to email or fax a release form to my insurance company provided them the information needed such as numbers, email address to no avail. Very disapionted in the customer service they have provided and will never do business with them again.
Company Response:
State: OK
Zip: 73130
Submitted Via: Web
Date Sent: 2015-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-08-03
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I have a reverse mortgage through Champion mortgage. Champion mortgage paid property taxes on my behalf. In turn, I sent a payment to Champion mortgage in full plus extra to cover the property taxes paid on my behalf. Several months later, i was informed by Champion mortgage my payment was short by {$6.00} and that large late had accrued on my account. My discrepancy is that I paid up and above the payment amount requested on the bill I received and should not be accruing any late fees.
Company Response:
State: OR
Zip: 97502
Submitted Via: Web
Date Sent: 2015-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No