Date Received: 2015-07-21
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: In XXXX XXXX my mortgage was permanently modified with Servicing Company XXXX XXXX. My mortgage payment has been {$900.00} since XX/XX/XXXX. I have been on time with all payments since that time. The loan was sold to XXXX and then NATIONSTAR in XXXX XXXX. My payments jumped to {$1000.00}. When I inquired they told me because of my escrow for insurance and taxes. I made immediate inquiry with XXXX County Tax Assessors office. They admitted to overcharging me by rating my house as a XXXX residence NOT my primary residence. I'v e never had a XXXX residence. They issued a refund check for XX/XX/XXXX to XXXX ( the wrong servicing company ) which I am trying to get corrected. Then I called my insurance company, they doubled my premium to {$1400.00}. so I canceled my policy and got a new XXXX for {$810.00}. Nationstar paid the {$810.00}, and I reimbursed them immediately so I could get my payment down. I acted quickly and got both my taxes and insurance corrected, that was 60 days ago, yet the taxes linger as an unresolved issue, nobody seems to know where the tax refund check went. The amount of that check was for {$330.00} and change. WHAT I 'M UPSET ABOUT IS THE AMOUNT OF MONEY NATIONSATAR IS ASKING FROM ME OVER AND ABOVE FROM THE EXPECTED ESCROW EXPENSES : {$550.00}! I DID THE MATH AND THIS EXCEEDS THE 12 % ALLOWED UNDER section 10 of RESPA. I do n't believe I 'm being treated fairly and want to pay my own taxes and insurance thereby foregoing the need to send NATIONSTAR {$550.00} to sit in my account year after year. I want to change the terms of the ESCROW. And to be honest, I have budgeted {$900.00} a month not {$1000.00} @ month, and my daughter is getting married in 3 weeks and money is flying out of bank account for the wedding, and Nationstar is dragging their feet and still does n't have an adjusted mortgage payment for me. So far I qualify for " Pay for Success Program '' under HAMP principle reduction credits. Can anyone there please help me strip off my ESCROW, I can do a better job paying my own insurance and taxes! The Escrow statements are a nightmare!!!! Sincerely, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, AZ XXXX XXXX XXXX XXXX
Company Response:
State: AZ
Zip: 85142
Submitted Via: Web
Date Sent: 2015-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-07-21
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: My loan on my home at XXXX XXXX XXXX XXXX, XXXX XXXX ' XXXX, ID XXXX was with XXXX. They sold the loan to XXXX, which went out of business without notification to whom they had sold the loan. XXXX pocketed some of the payments before becoming insolvent. XXXX XXXX XXXX said they had purchased the loan and had XXXX different balances, which varied by {$30000.00}. Then they sold the loan to XXXX XXXX which in turn sold the loan to Nationstar. After long negotiations Nationstar hasoffered XXXX trial payments of {$1500.00} with no further detail about what they are offering. This is exactly what XXXX did before they closed their doors. I maintain that these maneuvers are illegal and the loan balance of over {$310000.00} is ridiculous and illegal,
Company Response:
State: NV
Zip: 89128
Submitted Via: Web
Date Sent: 2015-07-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-07-21
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I have been trying to work with nationstar and they refuse to help. I do n't like talking to them on the phone because they always change information on me so I 've emailed XXXX times now and gotten nothing in response. They wo n't take any money from me because it 's not the entire amount. I just keep getting the run around. I have faxed my paper work XXXX times and they say they still have n't received it. I 've never recieved a letter saying when the house was up for auction. Im just looking to get a repayment plan so I can switch companies.
Company Response:
State: AZ
Zip: 85209
Submitted Via: Web
Date Sent: 2015-07-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-07-17
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: My mortgage was sold by XXXX XXXX XXXX to Nationstar Mortgage with one year remaining. I paid off the mortgage on XXXX XXXX, 2015 with a certified cashiers check as was requested. I have been attempting to get a filed release of lien on this property. After contacting Nationstar customer service on multiple occasions, by phone and in writing, I have still not received the recorded release of lien. I did request and received an emailed copy of the notarized release dated XXXX XXXX, 2015 but it did not have any information related to filing. The County Clerk office for XXXX XXXX does not show a filing for the release as of today ( XX/XX/2015 ). I have contracted with an attorney, who sent letters to the XXXX addresses I had for Nationstar document administration. These letters were received and signed for on XXXX XXXX, 2015. I need to have the filed release of lien in order to apply for a Home Equity Line of Credit on the property. On XXXX XXXX it will be XXXX months since the loan was paid off and more than 2 months since the release was notarized but still not recorded. Nationstar has not responded to my attorney yet.
Company Response:
State: TX
Zip: 770XX
Submitted Via: Web
Date Sent: 2015-07-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-07-17
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: mortgage company issued credit remark that house was foreclosed. Currently, my credit history reflects a foreclosure. The house was sold at a profit of $ XXXX and the mortgage was paid off. There was no foreclosure.
Company Response:
State: CO
Zip: 80005
Submitted Via: Web
Date Sent: 2015-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-07-17
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: My mortgage company Nationstar Mortgage. I live in California. My mortgage is currently in default. I have secured the funds to reinstate my loan. I have attempted, and my lender has attempted to get a written breakdown of the costs, fees and payments that need to be made to the mortgage company in order to bring the account current. I have been told that the company will not, on advice from their leagal department, give me the document that I need. Their reason is that in 2008 I had a bankrutcy ( that was discharged ) and that they are " not allowed '' to provide the written document that I need to give to my lender. Meanwhile, the foreclosure sale date is looming. My lender has called and spoken to them, I have called and spoken to them and they simply will not provide the document. I am afraid that they will foreclose even though I have the money and income to make this right. They keep changing my " point of contact person '' even after assurances that they will not. ( I 'm up to XXXX ) The phone number that is on my mortgage statement is a loop that goes nowhere. ( I 've told them this ). My latest mortgage statement was incorrect. This affects the amount that I owe. They keep sending people to my house to see if I still live there, and charging me for it, even though they know that I do and I have kept in consatnt communication with them. They keep denying my requests for modification. The latest reason was that it would affect the potential equity ( I have plenty ) of the home. I am happy to use some of my equity to modify my loan! I put the money down on the property to begin with! I can not provide you with any documentation because it is written and they wo n't give it to me! I need help!
Company Response:
State: CA
Zip: 92672
Submitted Via: Web
Date Sent: 2015-07-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-07-21
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I submitted on XXXX/XXXX/2015 a request for a refund of a late fee that was charged due to NationStar changing my name on the account which cause my authorized automatic debit from my bank account to reject causing my mortgage payment to be late. I have spoken numerous times to the customer service and have spoken to their Customer Relations department asking for a letter confirming refunding the late fee which should be refunded and applied to my principal payment since I paid the late fee after receiving additional interest fee on my statement. On XXXX XXXX, I received a phone call asking that I return their call and I have repeatedly called and this person by the name of XXXX will not return my call after leaving my cell phone number. To date I have not received any correspondence acknowledging this error has been corrected.
Company Response:
State: GA
Zip: 30064
Submitted Via: Web
Date Sent: 2015-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-07-17
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: Since my first complain in XXXX XXXX, NationStar Mortgage is asking for documents after documents. I have provide all documents they asked for but still they 're telling me that my file is under review for modification, anytime I call them. Please note even I have foreclosure sale date scheduled for this coming XXXX XXXX XXXX, they are still declining to postpone the foreclosure sale date. Please help me, I do n't want to lose my house, Sincerely,
Company Response:
State: CA
Zip: 92694
Submitted Via: Web
Date Sent: 2015-07-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-07-21
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I would like to submit my whole story and demonstrate Nationstar Mortgage failure to comply with XXXX SD XXXX. Your platform, limits characters prohibits me from delivering you the complete facts and truth. I would appreciate a phone call. XXXX XXXX
Company Response:
State: CO
Zip: 804XX
Submitted Via: Web
Date Sent: 2015-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-07-21
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: This is not true, no payments were missed and in fact payments were made early. This comes XXXX XXXX from Nationstar Mortgage dated XXXX XXXX XXXX XXXX, CO XXXX XXXX '' Nationstar has reviewed the above referenced account and found the account was correctly denied for the Home Affordable Modification. The borrower missed a payment during the trial period. Nationstar contacted the borrower several times, and management spoke to the borrower explaining why it had been denied. Unfortunately, the account is ineligible for the Home Affordable Modification, per the guidelines set for by the US Treasury. " 44. After XXXX learned of the Foreclosure sale, he again called Nationstar. On XX/XX/XXXX, XXXX spoke with XXXX Nationstar. XXXX asked XXXX XXXX to have Nationstar rescind the Foreclosure Sale because Nationstar had ( a ) failed to XXXX any notice that it was proceeding with the Foreclosure Sale and ( b ) had made multiple misrepresentations XXXX regarding the status of his HAMP modification and of his Note to Nationstar. XXXX. XXXX and XXXX went through Nationstar 's records of the communications between XXXX and Nationstar. XXXX. XXXX stated that Nationstar 's records of its communications with XXXX comported with XXXX ' own records of these communications, which are reflected in the preceding paragraphs of this Complaint. XXXX also confirmed that Nationstar had not notified XXXX of the Foreclosure Sale or of that XXXX ' HAMP application had been denied. XXXX. Despite his concurrence with the facts as XXXX presented them, XXXX and Nationstar refused to rescind the Foreclosure Sale. More specifically : a. XXXX asked XXXX, " What Happened? " b. XXXX responded, " Something transpired. " c. In response to further questions from XXXX, XXXX would not reveal what transpired, refused to rescind the Foreclosure Sale, stated that he was going to terminate the telephone call, and then hung up. XXXX. XXXX XXXX XXXX, XXXX held a conference call with XXXX XXXX XXXX Nationstar and XXXX XXXX XXXX XXXX XXXX XXXX a HUD-certified loan counselor ). XXXX. During this XXXX XXXX conference call, XXXX again affirmed that : a. Nationstar 's records of its communications comported with XXXX own records of these communications, which are reflected in the preceding paragraphs of this Complaint ; b. Nationstar did not notify XXXX that his HAMP loan-modification application had been denied. XXXX Nationstar did not notify XXXX of the Foreclosure Sale date or that Nationstar was proceeding with the Foreclosure Sale. XXXX. XX/XX/XXXX XXXX spoke via telephone with XXXX XXXX XXXX Nationstar Mortgage 's legal compliance department in XXXX, TX. He asked why Nationstar proceeded with the Foreclosure Sale despite having informed XXXX that " everything is OK. '' a. XXXX XXXX responded that there had been a " miscommunication between [ Nationstar 's ] Loss Mitigation and HAMP department XXXX s XXXX. " b. Thereafter, XXXX asked XXXX " Why am I being held accountable for miscommunication within Nationstar? " c. XXXX XXXX responded, " There is no explanation. ''
Company Response:
State: CO
Zip: 804XX
Submitted Via: Web
Date Sent: 2015-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes