Date Received: 2015-07-27
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Due to family illness I was unable to submit the annual occupancy statement for XX/XX/XXXX until XX/XX/XXXX. For efficiency I faxed the form to the fax number listed on the letterhead of the Champion Mortgage form. Three months later I received another request for the same form. I called the company number on the letterhead of the form and was given a different fax number and faxed a copy of the form I had faxed on XX/XX/XXXX. After receiving letters threatening foreclosure I sent by certified mail for which I have a signed receipt the original document which I had faxed in XX/XX/XXXX, a letter stating why I had been unable to submit the form on a timely basis, copies of XXXX utility bills and XXXX DTV bills. The receipt was signed on XX/XX/XXXX. Approximately 3 weeks later I recieved anothher letter suggesting I seek counseling for the pending foreclosure action. This time I called and was told there was no record of receiving the information which I had 1, 2mailed. On XX/XX/XXXX I faxed all of the information I had sent by certified mail and a copy of the signed receipt for the certified mail. On XX/XX/XXXX I spoke with the lady I had spoken to the day before. She confirmed receipt of the documents and told me that I would be contact by someone in Document Support to verify that that department had everything they needed or be informed of what other information that would be required. Today I received a call from a different person who stated that they had only received the occupancy statement. PLEASE HELP ME before this matter moves to foreclosure.
Company Response:
State: SC
Zip: 296XX
Submitted Via: Web
Date Sent: 2015-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-07-27
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I was not informed by XXXX XXXX XXXX that my mortgage was sold to Nationstar Mortgage Company. The only way I found out was to call XXXX when the payment was deducted from my autopay. I have since had extremely poor customer service from this mortgage company. They are now charging me fees that are not legal under my HUD contract with XXXX in XXXX.
Company Response:
State: DC
Zip: 20019
Submitted Via: Web
Date Sent: 2015-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-07-27
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: In XX/XX/XXXX I called my mortgage company ( Nationstar ) to modify my loan as my interest rate was at 5.75 %. I submitted my financials and required documentation waiting to hear if approved for the modification. On XXXX XXXX I XXXX and I called the mortgage company to inform them of the change in circumstances. I was told not to worry about it. I was not offered the XXXX program of forbearance or payment reduction. I was finally approved to the modification ( or so I thought ) and closed XX/XX/XXXX, still XXXX at this time. I was rushed through the closing and when I had time to review the paper work a refinance was processed with closing costs of {$8200.00}! On top of that my rate was reduced by less than .50 %. My XXXX ran out in XX/XX/XXXX. I was unable to make payments and I called to see if there was anything I could do. I was told at that time about the XXXX forbearance but I was not eligible because my XXXX ran out. I started working again on XXXX XXXX and had signed a 150 day letter to cure expiring on XX/XX/XXXX. I was told to cure i would need to make XXXX payments {$8800.00}. I was in constant contact with loss mitigation XXXX XXXX and I told him I would have the payment on XXXX XXXX. I continued to call and have various representatives note I would Pay on the XXXX. When i called XXXX on the XXXX to make the payment I was told I was referred to foreclosure on XXXX and nothing could be done unless i paid over XXXX. They would not accept payment and as of today I have not received a notice of foreclosure. I can not apply for a modification until XXXX XXXX 1 year after the re-fi. my target sale date is XXXX XXXX.
Company Response:
State: MA
Zip: 02026
Submitted Via: Web
Date Sent: 2015-07-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-07-26
Issue: Settlement process and costs
Subissue:
Consumer Complaint: A new loan has been created.
Company Response:
State: CA
Zip: 95008
Submitted Via: Web
Date Sent: 2015-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-07-24
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: Please send the attached request for information per RESPA to Nationstar. I am asking for a detailed breakdown of legal and recording fees to the account. I also asked for a re-calculation of the per diem interest, as I believe a mistake exist in the calculation.
Company Response:
State: IN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2015-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-07-24
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: XXXX was sold from XXXX XXXX XXXX XXXX XXXX to Nationstar on XXXX XXXX. My XX/XX/XXXX payment was already mailed to XXXX before I received the correspondence fron Nationstar that they had bought the loan and payments should be mailed to them after XXXX. I called XXXX and was advised that a check was sent to Nationstar via XXXX ( XXXX ) on XX/XX/XXXX, check # XXXX and arrived on XX/XX/XXXX at XXXX XXXX. The check has since been cashed and cleared by Nationstar. However, Nationstar erroneously credited the XXXX check to Insurance escrow instead of my mortgage payment. I learned of this on XXXX/XXXX/15, since that time I have made 4-5 lengthy phone calls explaining their error and when was my mortgage payment for XX/XX/XXXX going to be credited. On each occasion they told me it would be credited within 48 hours but was never done. After several of what Nationstar calls courtesy calls, I called today to get this straightened out before I make my XX/XX/XXXX payment. I do not want my XX/XX/XXXX payment being applied to the XX/XX/XXXX payment. Nationstar has had my payment in escrow since XX/XX/XXXX but do not seem to be able to get it applied to my mortgage account. I was told today that they would waive my late fee as a coutesy ... .what late fee, as well by federal law no late fees are applied for 60 days from XXXX/XXXX/2015. They are holding my money! In fact I was told by a XXXX today that the payment was applied and I could see it on line by tomorrow only to be told by her supervisor, XXXX, that her statement was untrue that it had not been resolved yet. Finally, I was told by the escrow dept. ( XXXX ) that the transfer had taken place and will be seen on line in 24-48 hours. I asked XXXX since the error was theirs and talk of late fees could jeopardize my credit rating could she please send me a letter hard copy with an explanation of what transpired with their error with specific dates. She flat out said you will not be receiving a letter. When I explained that the consumer protection rights spelled out on the FDIC web site states specifically that when the bank has admitted the error it shall be corrected in XXXX business day and a letter of explanation and resolution be sent to the customer within 3 business days, she once again stated that NO letter will be forthcoming. This letter is important should I need to defend my credit rating after the fact. I also suggested that since my payment was tied up in escrow since XXXX/XXXX/2015 would I be seeing interest that accrued since that date as mandated by federal law and she stated " NO INTEREST ''. Please intercede. Their address is Nationstar Customer Service XXXX XXXX XXXX XXXX, XXXX, TX. XXXX ... XXXX.
Company Response:
State: MA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2015-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-07-24
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Greetings, Nationstar mortgage contacted me saying that my association no longer had valid flood insurance. I checked with my association and it turns out we no longer needed flood insurance for my condo. I got the required " Standard Flood Hazard Determination '' document from my condo stating that the condo was no longer in a flood zone. I uploaded the document per Nationstar instructions and also faxed it. A month letter I got another letter. I called and they said they did get the documents but they were backed up and would fix it. I received at least XXXX more letters and called XXXX more times. Each time I was told this would be fixed quickly. Finally they took out an escrow to pay for the flood insurance I did n't need. I called and they showed that part of the insurance had been refunded but not all. Again, they said they would fix.
Company Response:
State: SC
Zip: 29841
Submitted Via: Web
Date Sent: 2015-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-07-24
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: LOAN # NATIONS STAR. XXXX My bank wo n't respond to a short sale that has been in the process for over three years. They ignore request from my laywer, realitor .and me for an up or down decesion. they reply it in underwritng for the past three years We have submitted hundreds of douuments.
Company Response:
State: FL
Zip: 32092
Submitted Via: Web
Date Sent: 2015-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-07-24
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: My credit report in showing a missed payment causing me to have a deliquent payment of XXXX days on my credit report. The monthly payment changed and I was not made aware of the change being I would pay my note automatically monthly from my account. When the notice was issued, I was able to make up the difference and it was still reported as a missed payment.
Company Response:
State: VA
Zip: 20147
Submitted Via: Web
Date Sent: 2015-07-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-07-24
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I was in an open bankruptcy and my mortgage company foreclosed on my property and they did not notify my husband that our property was being foreclosed on. I applied for a loan modification and it was denied. I owe more than my property value and they just want to take my house.
Company Response:
State: MD
Zip: 20705
Submitted Via: Web
Date Sent: 2015-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No