Date Received: 2018-04-14
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Nationstar Mortgage has added two of my payments in the same month which threw off there system and I have been getting late payment notifications and harassment calls ever since. The worst part is they have ruined my credit score from 800+ to below 600. And now I can not get approved to invest in anymore real estate. I have never missed a payment and they refuse to address the problem. Next step is small claims court! **All payments have been saved and recorded since day 1 showing I have never missed a payment. All documentation is available upon request.
Company Response:
State: CA
Zip: 92354
Submitted Via: Web
Date Sent: 2018-04-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-12
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: My home was foreclosed XX/XX/2017 and subsequently sold at auction. I received a XXXX stating the balance of principle outstanding as XXXX and the fair market value as XXXX I also received a XXXX stating fair market value as XXXX and the amount of debt discharged as XXXX. I contacted the mortgage company and questioned the reason for both a XXXX and a XXXX being sent and asked for an itemization of the XXXX. I received a letter telling me to disregard the XXXX and an email with an attachment of the supposed itemization of the discharged debt. The itemization is convoluted and neither the positive column of amounts or the negative column or the difference thereof corresponds with any of the amounts in question or makes any sense. I am questioning the amount of debt being discharged.
Company Response:
State: CA
Zip: 93060
Submitted Via: Web
Date Sent: 2018-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-11
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: After multiple attempts and going through the credit bureau, Nationstar/Mr. Cooper continues to report incorrect information about my CLOSED account! The account has been closed for 3+ years! I refinanced by loan in XX/XX/XXXX. The wire paying my account in full was sent on XX/XX/XXXX and Nationstar/Mr. Cooper closed my loan on XX/XX/XXXX. However, they reported me 30 days late on payment for XXXX the month my account was paid in full and closed. They have been notified multiple times since XX/XX/XXXX. It get fixed and then it shows back up again. Every time I call they say the disputes I filed are " still in processing ''. Do they get 3 years to process this kind of error?? Additionally, both XXXX and Mr. Cooper did electronic verification which clearly was not the appropriate way to resolve this complaint!
Company Response:
State: MO
Zip: 64119
Submitted Via: Web
Date Sent: 2018-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-11
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: NationStar Mortgage is showing 1 past due payment amount for XXXX of 2018. Payment was not late from me but was posted late from mortgage company.
Company Response:
State: GA
Zip: 30038
Submitted Via: Web
Date Sent: 2018-04-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-11
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: The payment amount changed again, and upon changed i called and confirmed the additionl payment amount due well prior to the due / late charge date. I believe XX/XX/XXXX. I made a XXXX payment XX/XX/XXXX on amount due XX/XX/XXXX. Then addional XXXX within the grace period. They are posting the payments to priciple & not the actual payment due. Thier representitives our misinforming each and every thime I have called them. They are indicating my additional payments are sufficient to cover my monthly obligation as they all have been well above minimum payment amounts, yet they have ruined by credit report. today they have informed me via telephone i cant pay prior to 30 day payment due date. Although every call prior they claim my payment schedule was ok, and i need not worry about any report, or late fee!. There have been not late fee charges as the payments have not been late. this whole matter is far to confusing to any consumer, and thier call center reps are as confused as the cunsomers when on the phone. This whole thing is obserd
Company Response:
State: WA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-11
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: We feel we are now being being forced to file this Complaint because XXXX XXXX XXXX, hereinafter referred to as Nationstar, who now goes by the name of Mr. Cooper, refuses to abide by the Fair Debt Collection Practices Act, hereinafter referred to as the FDCPA and the California XXXX Fair Debt Collection Practices Act, hereinafter referred to as RFDCPA. We took out a loan with XXXX XXXX, XXXX on XX/XX/XXXX. Due a financial hardship in the fall of XXXX, we fell behind in our scheduled monthly payments. The last time a payment was made on this consumer debt obligation was XXXX of XXXX. The debt obligation is currently contractually due for the XX/XX/XXXX payment. On XX/XX/XXXX and XX/XX/XXXX, purportedly The XXXX XXXX XXXX XXXX XXXX, as Trustee of the XXXX XXXX, and not in its own capacity, was assigned the beneficial interest under the Deed of Trust and not the Promissory Note. At the time of these purported transfers, the debt was contractually due for the XX/XX/XXXX payment. Nationstar purportedly acquired the mortgage servicing of this debt obligation effective XX/XX/XXXX. Pursuant to the FDCPA and the RFDCPA, Nationstar and XXXX of XXXX XXXX as Trustee are " debt collectors '' and not " creditors ''. They are threatening and attempting to proceed with a nonjudicial action to dispossess us from our home without the legal right or authority to do so. Despite years and numerous attempts, they have failed to validate the debt and have failed to provide us with any documentation to demonstrate they have the legal ability to attempt to collect the debt, collect the debt, or enforce the power of sale contained in the deed of trust. Although we have taken legal action against them, they have not stopped and refuse to stop their collection and enforcement activities. We are filing this Complaint to make the CFPB aware of their wrongful, deceptive, and illegal actions. The California Supreme Court, the highest court in this state of California, confirmed in a XXXX ruling that a borrower is not entitled to pay an entity that is without the legal right and authority to collect and enforce. In California only a creditor, or an agent of the creditor, may attempt to collect a debt, collect a debt and/or initiate and complete a foreclosure action. Falsely representing that the foreclosure documents are legal process is prohibited and misleading and is in violation of California Civil Code 1788.16. Nationstar and XXXX XXXX XXXX XXXX as Trustee are engaging in acts that are causing substantial harm not only to us but to California consumers and taxpayers. Immediate action must be taken to stop them from engaging in unfair competition. Their conduct is unlawful, unfair and deceptive. They are blatantly disregarding federal and state laws they are mandated to abide by. They must be held accountable for their misconduct.
Company Response:
State: CA
Zip: 949XX
Submitted Via: Web
Date Sent: 2018-04-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-10
Issue: Trouble during payment process
Subissue:
Consumer Complaint: XXXX Mortgage Loan " Home Affordable Modification Program ( HAMP ) Agreement '' in place since, XX/XX/XXXX was Transferred to MR. COOPER AKA NATIONSTAR on, XX/XX/XXXX. Ive contacted MR. COOPER AKA NATIONSTAR a Total of 27 XS ( between Calls ; the MESSAGE CENTER ; EMAIL 'S ; FAXES & US MAIL with, EVERY one of these Contacts Ive SUBMITTED OVER 80 Pages of DOCUMENTATION dating back to XX/XX/XXXX ) since, XX/XX/XXXX in ATTEMPTS to gain assistance d/t the MULTITUDE of PAYMENT REVERSALS/FEES CHARGED/ LATE CHARGES/ PROPERTY INSPECTION FEES ( My Account was PAID TO DATE on XX/XX/XXXX Nationstar Statement & by, XX/XX/XXXXMr. Cooper Statement Mr. Cooper had me listed with, Overdue Payment of {$1000.00} & were Assessing these Charges to My Account ) then, on XX/XX/XXXX with, no explanation they stopped taking my Monthly Payments that, have been AUTO-DEBITED since, XX/XX/XXXX. It was VERIFIED by, XXXX XXXX XXXX via a 3-way Call on XX/XX/XXXXbetween Myself, Nationstar/Mr. Cooper Customer Service Center & XXXX XXXX XXXX that, Nationstar/Mr. Cooper have been RECEIVING Payments on or about the XXXX of the Month with, NO PAYMENT REVERSALS on XXXX XXXX XXXX end ). All I get in return from, Contacts made are MULTIPLE Letters/Emails stating They received my correspondence ; take all matters seriously & are in the process of reviewing concerns then, NOTHING IS DONE to CORRECT there Errors in Regards to my " On-Time '' Monthly Payments & there " FAILURE '' ( upon my Loan Transfer from, XXXX ) to Honor my Home Affordable Modification Program ( HAMP ) Agreement in which, I have had in place since, XX/XX/XXXX without ANY ISSUE 'S ( i.e. Late Payments, Threats of DEFAULT, etc.. ) as, EVERY PAYMENT was PAID " ON TIME '' by, AUTO DEBIT & I was RECEIVING the INCENTIVES for making these payments until, Mr. Cooper AKA Nationstar became involved with, there Unethical Business Practices ; " FAILURE '' to Respond to Inquiries/Correct Mistakes theyve made then, they INTENTIONALLY STOP taking my MONTHLY Payments as, Set-up by, Auto Debit & now are Threatening me with, DEFAULT! I've made by, U.S. Mail & Online all 4 Payments ( XX/XX/XXXX. ; XX/XX/XXXX. ; XX/XX/XXXX & XX/XX/XXXX ) since, they stopped by, Auto-Pay. I was Eligible & to receive an " XXXX {$5000.00} incentive in XX/XX/XXXX '' that, I completed Paperwork for with, XXXX & MR. COOPER AKA NATIONSTAR are in possession of but, are now stating " Your loan exceeded 90 days past due. Therefore, you are no longer eligible to receive Pay for Performance incentives under the Making Home Affordable Modification Program '' which, I believe with, No doubt that, they intentional failed to respond to complaints since, XX/XX/XXXX & stopped my Auto-Pay to avoid my receipt of this {$5000.00} incentive. I have NEVER missed a Payment since, having my Home Built in XX/XX/XXXX& the treatment I've received d/t there Unethical Business Practices since, XXXX Mortgage Loan Transfer has been absolutely disgraceful.
Company Response:
State: FL
Zip: 33914
Submitted Via: Web
Date Sent: 2018-04-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-10
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Please see complaint # XXXX ; We have received your response on behalf of Mr. Cooper, our loan # XXXX. The modification documents were reviewed for fairness and proper financial structure and it was determined that the most common and basic modification using 31 % of gross income and no other liabilities or circumstances were considered. As such, modification document signatures are being completed and forwarded.
Company Response:
State: TX
Zip: 770XX
Submitted Via: Web
Date Sent: 2018-04-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-10
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have been requesting cancellation of private mortgage insurance for the past four years. I have contacted Nationstar/Mr. Cooper many times asking for this to no avail. They sent an appraiser out in XX/XX/2017 and I have still not heard anything back. I contacted them following this appraisal and they claimed that they never did an appraisal. I am above 80 % loan to value and have been for years. I am requesting they refund this premium back to the original request date and cancel this coverage. I appreciate you help in this matter. Sincerely, XXXX XXXX
Company Response:
State: MT
Zip: 59714
Submitted Via: Web
Date Sent: 2018-04-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-09
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My loan was transferred from XXXX to Cooper in XX/XX/2017. I have always been paying XXXX well in advance. So when I made a payment on XX/XX/XXXXto XXXX, they applied my payment for XX/XX/XXXX month. I was away in XXXX during that time, and my payment was going directly from my Bank to XXXX. When XXXX transferred the loan to Cooper in XX/XX/XXXX. My XX/XX/XXXX and XX/XX/XXXX payments were sent to XXXX and, XXXX in turn transferred it to Cooper. XXXX has confirmed it and has sent the evidence which I have forwarded to Cooper. But Cooper says they received only one payment from XXXX, and Cooper has been charging me with fees and also took additional payment from me. I have been in contact with a bunch of Cooper representatives and it supervisors, since XX/XX/XXXXon both phone and email exchanges, but of no use. I literally spend more thnn an hour talking to these guys, and they keep asking telling me it is being researched. Iam very frustrated and fed up and Iam finding it difficult to sleep because of this nagging issue going on for the last three months. I would highly appreciate if you could help me and resolve this issue quickly. I have all the documents and proof needed from XXXX regarding the payments. Thanks, XXXX
Company Response:
State: CA
Zip: 94582
Submitted Via: Web
Date Sent: 2018-04-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A