Date Received: 2015-07-10
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I originally filed a complaint to the FTC on XXXX/XXXX/15. On XXXX/XXXX/15 I called FTC to check on status of complaint and they referred me to you. Repeated phone calls started on XXXX/XXXX/15. As of today, XXXX/XXXX/15, I have received XXXX ( XXXX ) calls for someone I do not know. I answered the first XXXX calls stating " no one here by that name at this number, nor do I know that person, please do not call again ''. Finally I decided not to answer the calls, I just directed them to my voicemail, no messages left. I have had this phone number for over five ( 5 ) years. It is a registered " Do Not Call '' number.
Company Response:
State: IL
Zip: 60002
Submitted Via: Web
Date Sent: 2015-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-07-10
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: HI, I had my mortgage with XXXX XXXX XXXX, it was sold to Nation Star.. in the past with XXXX XXXX XXXX website i had a lot of options, and information about my mortgage for example i was able to make extra payments and see in real time the Amortization calculator of my loan, as well when my Home Owners Insurance and Taxes were paid. Nation Star has a very poor Website, and a very poor customer service they are only available from XXXX to XXXX ET. I understand there is laws that allows mortgage companies to sell the mortgages, but the other mortgages institutions should offer AT Least the same tools and options to manage our most important asset which is our home. When i called customer service they told me that at the moment they do n't have that option in their website ... .. its 2015 Nation Star please hire some to build a decent website to server your customers.
Company Response:
State: TX
Zip: 79934
Submitted Via: Web
Date Sent: 2015-07-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-07-10
Issue: Application, originator, mortgage broker
Subissue:
Consumer Complaint: Loan # XXXXConcerning appeal dated XXXX XXXX, 2015. ( Included ) to Nationstar Customer relation. Letter of response attached. They will get back to me no later than XXXX XXXX 2015. As of today, I have no response from you. On XXXX XXXX I got a notice of default ( included in this package ) with absolutely no explanation about my loan modification or my appeal. I have tried to contact my new point of contact XXXX XXXX, but the phone # given XXXX XXXX tells me call another ph # which takes me to someone abroad. I call this number a few times but I can not understand them because of their strong accent and ask them to transfer me to my point of contact in the XXXX. But they said, they can not do that but I can try calling again and maybe someone in the XXXX will pick up the call. So far I was not able to contact anyone in the XXXX about my loan modification. Except for someone name XXXX in the foreclosure department. She said, my option would be to short sale or deed in lieu and she can help me with that. I asked her to give me the ph # for my point of contact, but when I called the new # XXXX XXXX XXXX, the message says this is no longer a working #. It appears that all communication has been taken away and I have no choice but to sign my property over or allow them to foreclose. Previously, ( I had XXXX other point of contacts since I have started this loan modification with nationstar, and XXXX out of the XXXX, I was able to communicate with them through emails. This process works well until they change to another point of contact and then, no communication until I file a complaint. Now they are forcing me to foreclose or sign a deed in lieu. They will not communicate with me and fail to properly address the at hand. PLEASE HELP ME. GUIDE ME TO SOMEONE THAT CAN REALLY HELP IN THIS MATTER. Thank you very muchXXXX
Company Response:
State: CA
Zip: 92117
Submitted Via: Web
Date Sent: 2015-07-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-07-10
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: My nephew wanted to buy XXXX homes that had been converted into apartments in XXXX GA, but did n't qualify to do so and asked if I would co-sign for the mortgages. After thinking about it and talking with him about the subject I decided to do so, but I also knew the risk of doing this because co-signing for anyone is a risk no matter who it is. I did n't put any money down nor did I pay any mortgage payments on either of the apartment homes. My nephew was paying all of the mortgage payments and his wife was making sure that the apartments were kept in shape and rented. About XXXX years ago my nephew decided that he did n't want to be married anymore, and asked for a divorce which left the houses without anyone to look after them, and even though he was able to pay the payments and rent out the apartments he decided to sell the houses. After working with a real estate agent, gathering paper work and other things I checked in with my nephew to make sure that all was going well with the selling of the homes. This was at a time when the housing market was still in pretty bad shape so the homes stayed on the market for quite some time, and from time to time I would hear from the real estate agent that was working with my nephew about paperwork to sell the places. In XXXX of this year " 2015 '' I decided to buy a new truck, and that is when I found out that I had XXXX foreclosures on my credit, but could n't get a hold of my nephew because he is overseas working as a government contractor so I contacted the real estate agent to see what had happened with the selling of the XXXX properties only to find that the houses had went into foreclosure and the houses had been sold. The real estate agent assumed that my nephew and also the banks had been in contact with me about what was going on. I was astonished to find that not only did my nephew not call me, but neither of the banks ( XXXX XXXX and XXXX XXXX XXXX ) contacted me about the mortgage payments not being made. After pulling my credit and looking at the information on the XXXX loans from these XXXX mortgage companies I have filed disputes with all XXXX credit reporting agencies. I am realistic about what my nephew did, but I am in shock that neither of the banks contacted me the ( owner/con-signer ) of the mortgages to let me know what was going on with these properties because something could have been done to save not only XXXX but both of the properties from being foreclosed and sold. The disputes with all XXXX credit monitoring agencies was put in, but only XXXX agreed to remove the history from the credit report, and that is all that I was asking them to do is remove the credit history from the credit reports because the houses did go into foreclosure, but the mortgage companies did n't do their due-diligence in contacting me ( owner/co-signer ) about these properties. XXXX did remove the history, but left the information stating that the house was foreclosed on and my credit is actually good with them. XXXX and XXXX did not take into consideration that the mortgage companies did n't do their due-diligence in contacting me, and have kept all the history which has pulled my credit rating down, and this is what I would like to change with these XXXX credit monitoring companies the removal of the history from my credit report in dealing with these XXXX mortgage companies. Any assistance that you can provide me with these XXXX companies ( XXXX and XXXX ) would be greatly appreciated. Once again I would like to say that what 's done is done, and I wo n't be doing any co-signing for anyone again, but the XXXX mortgage companies did n't do their due-diligence and contact me ( not a letter, phone call, or email ). Thank You for any assistance that you may be able to offer to me to keep my credit where it was and should be.
Company Response:
State: DE
Zip: 19701
Submitted Via: Web
Date Sent: 2015-07-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-07-10
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: We have received No response from our mortgage lender to consumer finance protection bureau Case number : XXXX.
Company Response:
State: FL
Zip: 33157
Submitted Via: Web
Date Sent: 2015-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-07-10
Issue: Application, originator, mortgage broker
Subissue:
Consumer Complaint: I was solicited by NationStar Mortgage to possibly reduce my rate by refinancing my current mortgage with them. I responded to their offer and was contacted by XXXX XXXX from Nationstar Mortgage XXXX Greenlight Loans XXXX. A rate of 3.75 % and the fees of {$750.00} for the loan were quoted verbally. I agreed to the rate and the fees, answered personal questions and consented to having my credit rating verified. I started to assemble necessary documents and was then informed by XXXX XXXX that the fees were now {$950.00}. I have been subject to bait and switch tactics before and want to alert everyone to NationStar 's predatory practices.
Company Response:
State: NJ
Zip: 079XX
Submitted Via: Web
Date Sent: 2015-07-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-07-09
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: XX/XX/XXXX, I entered a no penalty re-payment plan with Nationstar Mortgage, to pay XXXX month mortgage payment of {$2200.00} ; which they claim they had never received when my mortgage transitioned to them and they became the servicer. I spoke with service representative " XXXX '' who communicated, that in order to start the re-payment plan I would have to pay the current month mortgage payment to him in the form of an automatic payment from my checking account in the amount {$2200.00} ( informed that there was an increase in escrow ) and XXXX monthly payments of {$370.00} added to my monthly mortgage. I agreed to let him debit my checking account for {$2200.00} and in XX/XX/XXXX I sent Nationstar a check in the amount of {$2500.00}. During the month of XXXX I was inundated with telephone calls and debt collection letters from Nationstar, stating that I was XXXX months behind in my mortgage ; and they would start foreclosure if I did not pay the sum of {$4700.00}. Upon reaching Nationstar Mortgage XX/XX/XXXX, I spoke with service representative " XXXX ''. I informed XXXX that I was on a repayment plan beginning in XX/XX/XXXX and had authorized an automatic debit from my checking account to Nationstar for my XXXX mortgage and sent my XX/XX/XXXX mortgage payment in along with {$370.00} repayment amount. XXXX explained, for some unknown reason the prior representative ( XXXX ) failed to make the transaction. But, since I had made the XX/XX/XXXX mortgage payment along with the repayment amount he could restart the repayment plan ; if I would make an electronic debit payment with him today in the amount of {$2200.00}, which would care for the XX/XX/XXXX failed transaction. The service representative ( XXXX ) also stated that I would also have to agree to a XX/XX/XXXX automatic debit of my XXXX mortgage payment plus the {$370.00} re-payment and a {$10.00} service fee ; which I agreed to all. In XX/XX/XXXX I received a postcard from Nationstar to confirm a verbal authorized payment back on XX/XX/XXXX in the amount of {$2500.00} plus a {$10.00} fee amount ; which was more than I verbally agreed to. Also in the same time frame I received a letter congratulating me on being approved for a repayment plan. The letter has a page XXXX that enclosed a XXXX month schedule starting XX/XX/XXXX to XX/XX/XXXX, which should have been XXXX month schedule ; because my first original re-payment was made in XX/XX/XXXX along with XX/XX/XXXX monthly mortgage payment. Another issue with the schedule is that it has an increased un-agreed re-payment of {$380.00} ; this would add up to more than the amount owed. Thinking we could correct the issues later I continued to make the requested payments. Nationstar continued to mail the threating foreclosure letters and make daily calls to me, leaving no message. Contacting Nationstar, I was told that I was never on a re-payment plan because I failed to make a payment in XX/XX/XXXX ; I was also told that I was XXXX months behind in my mortgage. After having some serious communication with Nationstar, they said if I could produce my bank statements showing auto debit and monthly mortgage payments they would take a look and get back to me. I agreed and faxed them XXXX pages of banking info. It is now XX/XX/XXXX I have satisfied my re-payment obligation in XX/XX/XXXX, Nationstar had sent me a certified letter threating to start foreclosure if I do not pay them {$4300.00} XX/XX/XXXX.
Company Response:
State: IL
Zip: 60616
Submitted Via: Web
Date Sent: 2015-07-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-07-09
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Im on a payment plan with my lender. They called and text and harassed me saying I didnt make my monthly payment and I did. They finally realized their error on the last day of the month with no explanation just we are sorry thanks. I am concerned that they are not keeping proper accounting records.
Company Response:
State: MD
Zip: 207XX
Submitted Via: Web
Date Sent: 2015-07-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-07-09
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Our client was previously married with both him and his wife on note and mortgage. During the loan modification review process, we provided a quit claim deed along with dissolution of marriage awarding our client the house. Nationstar Mortgage provided a loan modification to our client with just his information, provided trial documentation to support just in his name, and when it came time to finalize the documentation, now wants all of the wife 's information. Our client/our office was very clear about the circumstances of the loan modification being in his name soley and were assured repeatedly and in writing, that it would not be an issue. After taking our client 's XXXX trial payments, they are now indicating that he will need to refinance to remove wife 's name.
Company Response:
State: FL
Zip: 33455
Submitted Via: Web
Date Sent: 2015-07-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-07-09
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: To Whom Concern, I have been trying for a home modification since XX/XX/2013.My mortgage was with XXXX-After over a year of submitting documentsI finally got an approval only to find out that my mortgage was " Transferred '' to Nationstar.I had to start all over again.So for another year of submitting my papers again and the Bank always declaring they were missing something-I declared Chapter XXXX to save my home that my XXXX children and myself live in.It has now been over a year of submitting documents and I was denied a modification.I appeal and found out today that I was denied again.I have been at the same job for 23 years and want to keep my home.
Company Response:
State: FL
Zip: 32792
Submitted Via: Web
Date Sent: 2015-07-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No