Date Received: 2015-07-16
Issue: Improper contact or sharing of info
Subissue: Contacted me after I asked not to
Consumer Complaint: NATIONSTAR FALSELY REPORTED TO XXXX AND XXXX THAT A JUDGEMENT WAS ISSUED IN MY NAME IN XXXX 2014 AND REPORTED 60DAYS PRIOR TO ANY SERVICE OR COURT DATE IN VIOLATION OF FCRA, FDCPA ETC..LASTLY LOAN WAS TRANSFERRED AND AWAITING DISMISSAL.
Company Response:
State: IL
Zip: 60445
Submitted Via: Web
Date Sent: 2015-07-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-07-16
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Nationstar has said that I need to use one of their mortgage appraisers to appraise my property. I do not understand why I can not use one of my own licensed and bonded appraisers in the area who will do just as a good a job and who will give a fair appraisal of the property. I have repeatedly asked for the authority from Nationstar that REQUIRES me to use one of their appraisers yet they refuse to answer the question. Again, I want to know what their authority is and I want them to send it to me. XXXX XXXX ( XXXX ) XXXX
Company Response:
State: CA
Zip: 95608
Submitted Via: Web
Date Sent: 2015-07-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-07-16
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: Our aunt passed away with a reverse mortgage. Even though this was a total shock to us, we did the required letter of intent stating we would pay off with personal funds or at time of sale. They asked for supporting documents we called and said we could n't provide real estate contract yet as tree had fallen on house, repairs were being made not to mention she was XXXX multitudes of paperwork, etc. has had to be gone through. We are from Kansas and it has taken several lengthy stays to get this work done getting it ready to market between the XXXX heirs. Not to mention we are dealing with a death that occurred during blizzard season. Months into process they refused to talk to executor stating she was not person named even though they had been given Small Estate Affidavit filed with the Court. In addition, a preforeclosure letter came, called stated that need new Letter of Intent, asked if needed to contact foreclosure people and they said they would take care of it. Lied, they did not, because we sent new Letter of Intent, then they sent someone to the house. Called again, they then for the first time said we had to pick one way or the other and provide documents but then we would be allowed to change. So I said fine we will do personal payoff and provide proof of funds, is that all you need to stop this foreclosure, they stated " yeah, we can submit that to be processed that will do it. '' Provided them with Proof of Funds from Bank as soon as we got them that day and XXXX days later still prior to deadline date. They continually use stalling techniques and state they do n't receive things when they have we have confirmation sheets proving. When called back they had n't even processed, now are telling us starting foreclosure process because proof of funds was not enough, we gave for the amount they stated on the telephone for us to provide. They also started preforeclosure and racked up fees prior to the deadline date and they stated that process was initiated prior to deadline date and we provided the requested supporting documents they said would suffice prior to the deadline also. We have continually asked for proof of expenses and was n't until XX/XX/XXXX did we receive a letter. Then changed name of what they need to Request for Extension instead of Letter of Intent. I have itemized their unfair practices in letters to them and instead of them confirming what I say is true they continue with proceeding with foreclosure and not telling us the truth over the phone. This company has a multitude of compaints against it on internet as well, all stating the same techniques. We need this foreclosure shut down so we can continue to market the home. We are prepared to pay off the loan balance but do not feel we should have to pay the fees they have incurred by not telling us the truth over the telephone. This company is practicing in a very illegal way in which consumers who have every intent of doing right ca n't even survive. They are liars over the phone which is what they do in order to stall to get what they want. This should not be allowed. Any reverse mortgages with this mortgage company Champion Mortgage needs to be notified so they can get out of their mortgages and refinance with a reputable company while they are alive. They are not honest. They do not use customary reputable methods of conducting business.
Company Response:
State: KS
Zip: 66030
Submitted Via: Web
Date Sent: 2015-07-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-07-16
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Our home loan was sold by XXXX XXXX XXXX to Nationstar Mortgage Company XX/XX/XXXX. A homeowner 's insurance premium came due on XXXX XXXX, 2015. The terms of the loan call for this payment to be made from our escrow account. This payment was not made by Nationstar Mortgage as agreed, and the coverage will be terminated on XXXX XXXX, 2015. Both Nationstar and XXXX XXXX XXXX provided assurances that the transition would be seamless. In addition, they have XXXX our mortgage insurance premiums without explanation. I contacted Nationstar Mortgage directly and did not receive any response and certainly not a resolution within their promised time frame. Attached please find the escrow details from Nationstar 's website that indicate the homeowner 's inusrance payment is scheduled for XXXX 2015. Today is XXXX XXXX, 2015. MIP should be half of the shown amount.
Company Response:
State: GA
Zip: 30340
Submitted Via: Web
Date Sent: 2015-07-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-07-16
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: my loan was sold from XXXX to nationstar. nationstar failed to send me a letter so i was sending my payments to the wrong company. I tried to pay them this month and realized my mortgage had increased {$20.00} a month. when i called and questioned them they said that it was " projected '' that my taxes would go up so they needed more money. They claimed they sent me paperwork explaining this months ago but they did not. I do n't have the extra funds available because they think my taxes are going to increase.
Company Response:
State: MA
Zip: 01852
Submitted Via: Web
Date Sent: 2015-07-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-07-16
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I send my mortgage payment for athe amount of {$3600.00} on XXXX XXXX via XXXX XXXX and send another payment for $ XXXXthught USPS with tracking # XXXXnot XXXX the payments has been credit to my mortgage account.
Company Response:
State: CA
Zip: 92626
Submitted Via: Web
Date Sent: 2015-07-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-07-16
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: XXXX complaint on this mortgage. The first complaint was filed XXXX XXXX, 2015. I am still attempting to short sell the property with little to NO cooperation from the mortgage company ( Nationstar ). Since my last complaint, Nationstar asked me for an estimate on the damage to the property from the previous tenant. My agent submitted the estimate within 5 business days. Then they come back and require that I file an insurance claim on the damages, despite the fact that it is a townhouse. When there is no one living in the unit, there is nothing but liability/structure insurance on the unit. The coverage does not include interior damage from neglect. This is clearly stated in the covenants but Nationstar insisted I file a claim through the HOA. I filed the claim with XXXX XXXX. However, they are 2.5 weeks behind in claims and can not send anyone out until XXXX XXXX. Nationstar has been made aware of every step we have taken and we have jumped through every hoop they have required. They have already denied XXXX cash offer and it appears they are attempting to deny another. My agent contacted Nationstar ( via equator ) on XXXX XXXX to let them know there was another cash offer on the property. However, the offer could not be uploaded because " the portal was not open ''. We have YET to get a response from anyone from Nationstar. They have ignored our attempts at contact and submitting the new offer. When contacting the investor, XXXX, and making them aware of the current situation, they advised that they felt " Nationstar was not allowing the new offer to be submitted because the foreclosure date is so close ''. I have done EVERYTHING to short sell this property instead of letting it foreclose. Nationstar has been dragging this out and putting up barriers since XX/XX/XXXX despite having XXXX CASH offers on the unit. I have done everything they have asked of me ( and my agent ) and they have resorted to simply not responding at all. I am trying to fo the right thing and not let the property foreclose. The foreclosure date is set for XX/XX/XXXX, despite the fact that there is a current cash offer on the table. Anything you can do to help would be greatly appreciated.
Company Response:
State: GA
Zip: 30265
Submitted Via: Web
Date Sent: 2015-07-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-07-15
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: My mortgage company is auctioning my house XXXX XXXX, 2015. I never received court notice of them trying to do this, I was lead to believe that they were trying to help me save my home. All of the modification paper work that they have sent me, I have faxed and mailed back, each time I finally get them to answer they tell me, I have a page or XXXX missing, so I resend the page they say is missing only to be told a different page is missing. I have even resent the whole packet of paperwork. They are also saying I owe {$30000.00} on a loan that was refinanced through them 14years ago. that was originally XXXX. I recently submitted the modification paperwork again, and have been leaving messages and have not received a call back as of today.
Company Response:
State: OH
Zip: 452XX
Submitted Via: Web
Date Sent: 2015-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-07-15
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: My mortgage servicer, Nationstar Mortgage, neglected to pay the homeowner insurance on my home resulting in the canceling of my policy, and leaving me uninsured and vulnerable to loss. All while collecting escrow and refusing to allow me the responsibility of paying the insurance and real estate tax myself.
Company Response:
State: NJ
Zip: 08865
Submitted Via: Web
Date Sent: 2015-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-07-15
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I fell behind with my mortgage payment around XX/XX/XXXX because my business income had decreased. I had to close my XXXX and find work. In XX/XX/XXXX I found employment. The damage was already done I had no choice but to file bankruptcy in XX/XX/XXXX. Then XX/XX/XXXX I went thru divorce. In XXXX XX/XX/XXXX I hired an attorney to help me apply for loan modification with Nationstar. This process took some time. XXXX XXXX I was denied because due incomplete application. My attorney resubmitted my paperwork again XXXX XX/XX/XXXX. This time I got approved for loan modification for HAMP. My attorney received an email from the foreclosure attorney for Nationstar stating I was approved for HAMP on XXXX/XXXX/XXXX and the first trial payments starts XXXX/XXXX/XXXX. As of today Nationstar has failed to provide the approval of the trial agreement. We have called and emailed the attorney for status of the agreement and they have failed to provide. I am asking for your help to find out if I was approved for loan modification and if yes, why is it taking them so long to provide the documents.
Company Response:
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2015-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No