Date Received: 2015-07-03
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: XXXX XXXX XXXX sold my mortgage to Nationstar. With XXXX, I made bi-monthly payments, without issue. They came out the XXXX and XXXX of the month, barring holidays or weekends, which they allowed to come out a day or XXXX late. Now that my mortgage is with Nationstar, they send me foreclosure letters constantly, even rhough I never have been late. They state if I want the letters to stop, I need to call their XXXX party company to make bi-monthly payments ( this XXXX party company charges 300+dollars for this service ) or set up autopay. Thing is, I already autopay through XXXX bill pay TO Nationstar on the XXXX and XXXX. Why would I setup another autopay? I am XXXX XXXX XXXX and can not access the internet or telephone while XXXX, so why set up XXXX party phone pay? Also, they stated if I do not pay in full when they want, my money goes into a reserve account until it is fully paid and may not be applied properly to escrow, interest, and principle. From my understanding, the original terms of a sold mortgage MAY NOT BE MODIFIED, including disbursement of the payment, how the payment is made ( bi-monthly or not ), or how much payment is made, barring a raise in escrow to cover raise in insurance/propery tax. So, please enlighten me ... why are you trying to change the terms of my loan? Why did you buy my loan if you can not accept bi-monthly payments? How hard is it to apply payments properly? These problems are on YOU, not me, and I REFUSE to accept responsibilty for these issues. I had no say in my loan being sold, and I am not to be blamed that YOU can not accept bi-monthly payments because you are a new company ... you are n't. You are post-bankrupt under new management. I amonly with you as long as it takes to finish my current XXXX and then I will refi with a companythat is non profit and knows what they are doing. It is my responsibility to make sure you apply payments properly and to notify you if there is an error, something yhat will be next to impossible to do, since I am put on hold for XXXX min. each tkme I call customer service.
Company Response:
State: WA
Zip: 98311
Submitted Via: Web
Date Sent: 2015-07-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-07-02
Issue: Application, originator, mortgage broker
Subissue:
Consumer Complaint: This is an update based on new gathered information regarding Notary XXXX XXXX, an employee of Aurora Loan Services , LLC and Nationstar Mortgage , LLC. Please see attached letters from Colorado Secretary of State XXXX XXXX XXXX-Notary Section, Licensing & Enforcement. As of today, XXXX XXXX, XXXX, I have confirmed with XXXX XXXX that XXXX XXXX was required to and has failed to submit any copy of her journal entry for XXXX Quit Claim complaints filed against her from XXXX XXXX. We are disputing the validity of XXXX Quit Claim documents signed by XXXX XXXX and recorded in the XXXX XXXX County Recorders Office # XXXX on XXXX XXXX, XXXX and the XXXX XXXX County Recorders Office Document # XXXX on XXXX XXXX, XXXX. These documents are claiming that Nationstar Mortgage , LLC has sole beneficiary status of residential property. It is apparent by XXXX XXXX, an employee of Aurora Loan Services , LLC and Nationstar Mortgage , LLC. has deliberately refused to adhere to the Colorado Secretary of States numerous demands to produce the required journal entry for XXXX documents. Furthermore, I have attached an unrecorded Corporate Assignment which was submitted by Aurora/Nationstar attorney XXXX XXXX XXXX of XXXX only to the CFPB, however, XXXX XXXX has never filed this document with any court. XXXX XXXX is listed in a FOIA CONFIDENTIAL TREATMENT REQUESTED BY XXXX XXXX XXXX XXXX on XXXX XXXX, XXXX as Assistant Vice President of XXXX 's investment division which we believe is a conflict of interest as he has continued to litigate in bahalf of both XXXX and Nationstar by XXXX XXXX. ( Download of XXXX pages will not attach. I will mail a copy to the CFPB ) We are asking that the CFPB address and investigate these important notary violations from XXXX XXXX and her employees at Aurora Loan Services , LLC. and Nationstar Mortgage , LLC. If I can be of any further assistance in your investigation, please contact me anytime. Sincerely, XXXX XXXX XXXX ( XXXX ) XXXX
Company Response:
State: CA
Zip: 91941
Submitted Via: Web
Date Sent: 2015-07-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-07-02
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: Unnecessarily corporate fees. Nation Star Mortgage charges me for Attorney fees, and many other fees while my house was under contract for sale. In all the fees are total nearly {$7000.00}, and I gave Nation Star Mortgage the opportunity to resolved the matter ; however, I kept running to a wall. The property was closed on XXXX XXXX 2015, and did not go to Foreclosure.
Company Response:
State: AZ
Zip: 85303
Submitted Via: Web
Date Sent: 2015-07-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-07-02
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I been been late with my payment and tried to get accommodation i was calling them and they said i was to late and now full payment is on demand. They finally told me to try to remodtional my loan and just got the run arond till someone took the time to go over my fininial need. They do n't like to commution via email you have to all and wait XXXX to XXXX mins to get a hold of someone. I reply to the spvr who was in charge of my loan via email and never a reply back. When your in the process of remodation no dept speaks to each and now I 'm getting letters from they mortgage attoney about suing me.
Company Response:
State: IL
Zip: 60641
Submitted Via: Web
Date Sent: 2015-07-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-07-02
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I applied in XXXX 2015 for a home loan modification with Nationstar Mortgage. After submitting approximately XXXX applications that were all denied, Nationstar foreclosed on my property on XXXX XXXX, 2015. Each time I applied, Nationstar claimed that I did not meet the debt to income ratio requirement. Throughout the process, I never spoke with a representative that understood the underwriting process nor did I have an opportunity to speak with the person assigned to my case. My case manager changed several times throughout the process. There was no continuity in the process. The calls I placed to Nationstar were repeatedly answered by a different mortgage processor. Therefore, the process kept repeating itself as each processor who reviewed my case reached a different a conclusion about the documents required. There were also instances where processors were unable to locate documents I faxed or scanned to Nationstar. The process was horrific. Having endured a heart wrenching, lengthy process and submitting volumes of documents, in the end Nationstar foreclosed on my property.
Company Response:
State: VA
Zip: 225XX
Submitted Via: Web
Date Sent: 2015-07-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-07-02
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: XXXX XXXX XXXX as the XXXX mortgage on this file, we have requested a copy of the valuation from the XXXX mtg Nation Star through the listing agent, and they have refused to cooperate and we are talking a larger loss and have a different valuation. The agent has sent XXXX emails with no response.
Company Response:
State: WA
Zip: 98226
Submitted Via: Web
Date Sent: 2015-07-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-07-01
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I applied in XXXX 2015 for a home loan modification with Nationstar Mortgage. After submitting approximately XXXX applications that were all denied, Nationstar foreclosed on my property XXXX XXXX, 2015. Each time I applied, Nationstar claimed that I did not meet the debt to income ratio. Throughout the process, I never spoke with a representative that understood the underwriting process nor did I have an opportunity to speak with the person assigned to my case. My case manager was changed several times throughout the process. There was no continuity in the process. The calls I placed to Nationstar were repeatedly answered by a different mortgage processor. Therefore, the process kept repeating itself as each processor who reviewed my case reached a different a conclusion about the documents required. There were also instances where processors were unable to locate documents I faxed or scanned to Nationstar. The entire process was horrific.
Company Response:
State: VA
Zip: 225XX
Submitted Via: Web
Date Sent: 2015-07-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-07-01
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: We refinanced with Nationstar mortgage XX/XX/XXXX and we have never been late or delinquent in our payment. We made two payments XX/XX/XXXX and XXXX of them ( XX/XX/XXXX, which was paid early and intended for XX/XX/XXXX ) was misapplied by Nationstar to the principal by mistake. In addition monthly payments were short XXXX cents for a total of XXXX cents, which was remedied by a payment of {$1.00} and acknowledged by Nationstar. We had been speaking with Nationstar representatives and received a written note from them on XX/XX/XXXX that this matter is resolved. We were assured after each phone call that the account would be rectified and that " we should not worry about it reported as delinquent ''. However, on XXXX XXXX to our astonishment we received XXXX reports from our credit monitoring company XXXX stating that our perfect credit score is ruined because of XXXX has reported that we are delinquent in our payment for 30-60 days. Despite phone calls, written messages and online efforts we have not heard back from the company. This matter is particularly important to us since XXXX is a XXXX who works full-time and requires good credit for student loans of which he now is under scrutiny from credit agencies. I trust you will intervene to resolve this matter and make sure that Nationstar cures our credit reports and states to credit reporting agencies that they have reported us by error. XXXX XXXX and XXXX XXXX
Company Response:
State: CA
Zip: 902XX
Submitted Via: Web
Date Sent: 2015-07-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-07-01
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: We have auto-payment for our mortgage set up, going from our bank ( XXXX ) to our mortgage company ( Nationstar ). We have bank statements showing those payments have occurred consistently and have not been returned or rejected by Nationstar. They told us that they do n't have record of our last 3 months of payment. We have submitted bank statements and yet they still ca n't get this fixed in their system ( they have now found the payment for one of those months but not all months, and have indicated that some of the payments we sent were incorrectly applied, but tried to blame that on us instead of taking responsibility and fixing it ). They even sent our case to their collections department, where the staff were belligerent as well as unable to solve the actual problem. Now our credit report shows that we are 30 days late on our payment. They have assigned late fees, which should be removed. This is not the first time they have wrongfully assessed late fees on our account. We have attempted to resolve all of these issues with Nationstar and despite hours on the phone and providing the documents they request, we do n't see this being resolved easily. Thanks in advance for any help you can provide.
Company Response:
State: OR
Zip: XXXXX
Submitted Via: Web
Date Sent: 2015-07-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-07-01
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: We would like to file a complaint against both XXXX Bank and Nationstar for mediating in bad faith throughout our almost 3 year mediation process. We bought our house in XXXX and paid all of our bills on time. In XXXX, XXXX. Complications XXXX resulted in 2 years off work, and granted federal XXXX. We continued to pay our mortgage, but reached out to XXXX for refinance options when our savings was almost exhausted. We were told that despite credit scores over XXXX, we did not qualify for a refinance because XXXX was not working. Rather, XXXX said the only possible way to keep our house was to miss 2 mortgage payments and file for a loan modification. We contacted an attorney to guide us through the process, and missed our first mortgage payment in XXXX XXXX. We were told the process would take approximately 6 months. As stated earlier, it has been almost three years, though neither bank has been able to explain why it has taken so long. We have responded to requests for documentation, on time, from the banks at least 26 times, with at least 5 of these times being requests for material AFTER the banks told us there would not be a need for further paperwork. Furthermore, after almost two years of working with XXXX Bank, XXXX sold our loan to Nationstar days before an offer was due to us, without any warning. Nationstar then started the entire modification process over, after holding our file for almost 3 months. After 3 years, 5 actual mediations, 5 postponed mediations and multiple delays and mistakes, Nationstar finally promised us an offer. Instead, after missing yet another deadline, Nationstar sent an email to our lawyer requiring 6 trial payments totaling almost {$39000.00} before a final offer would be made. Our attorney has been trying to find out what the terms of the final offer might be, but can not get the information from Nationstar. Based on a conversation with opposing counsel, it sounds like the final offer will simply revert back to the original loan terms, EXCEPT it will ADD 15 years to our original loan ( becoming a 40 year term ), lock the loan in at the original rate of 6.375 % ( which is 2-3 % above the current jumbo rate ), and add approximately {$200000.00} to our loan amount ( which continues to grow with each passing month and missed payment ), modifying our principal to an amount nearly {$400000.00} above the current value of our house. We are in a worse situation now than we were when we started. We 've cooperated with all request made by XXXX banks under the threat of losing the possibility of modifying if we did n't. We have met our deadlines and provided all requested information -over and over again - in hopes that doing so would reap a positive solution. However, based on this last incident with the bank, we have lost all confidence that the banks are really working with us to find a good solution. In fact, the exact opposite seems true. Therefore, we have decided to file this complaint. Additionally, the mediator, XXXX XXXX, has indicated that he will grant us a bad-faith certification against both XXXX and Nationstar. All we want is the opportunity to stay in our home. During this process XXXX and I have earned additional degrees which resulted in new jobs that increased our income by roughly {$60000.00} per year, and we have paid off our debts expect for XXXX car loan. Attached, please find a detailed timeline of the multiple requests for information, delays, postponements, and mistakes by both XXXX and Nationstar. Anything you could do to intervene and help us would be so very greatly appreciated. Thank you in advance for your time and attention to our case. .
Company Response:
State: WA
Zip: 98042
Submitted Via: Web
Date Sent: 2015-07-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No