Date Received: 2015-05-31
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I AM BEING DESTROYED BY THE BANKS, this has been going on for XXXX ( FIVE ) years and XXXX ( NINE ) months so far. Clarification : I do not want to live in my home for free, all I want is justice. I am a tax paying american mother who has worked harder than a " Peruvian Donkey '' to raise her XXXX children, put a roof over their heads and food on the table ( I 'm not perfect of course ). My mortgage was owned by XXXX XXXX in XXXX ). When XXXX went down, coincidentally I lost my job. XXXX XXXX XXXX XXXX XXXX ) took over our mortgage and told me they were going to help me with " Barack Obama 's Making Homes Affordable '' program. They never did. They told me on XXXX XXXX that they had lost my entire file after an entire year of waiting for the " Home Loan Modification ( HLM ) package '' in the mail, it never came, etc, etc, etc. Later on, XXXX substantially increased my monthly payments from {$1100.00} ( which I can not afford XXXX to {$1400.00}. What? Is n't the " Making Homes Affordable '' program about assisting homeowners in distress to make their homes AFFORDABLE? WHAT KIND OF HELP WAS THAT? After almost four years dealing with them, I told XXXX that I was going to sue them, Ha! TWO days later I received a letter from XXXX informing me that NationStar ( a glorified collections agency who calls itself a " bank '' ) would be servicing my loan beginning the following month ( by then, XXXX, XXXX, XXXX XXXX. This has been a nightmare, they do not want to assist in any way, they make arbitrary decisions without informing me, they lie to XXXX XXXX and every single call from them is to harass and try to scare me. All these years I have not made payments on my loan because XXXX told me no to, and now, after almost six years, the principal on my home is double the value of my property. How can I afford that? They say they can not reduce the principal because XXXX XXXX does not allow it, and that if my loan were with XXXX XXXX, they would be able to do so. Well, they are sueing me A-G-A-I-N to foreclose on my property. This is my home, I HAVE LIVED HERE SINCE XXXX XXXX, it is my only real estate property and I live in my home, I am not a lawyer. This ordeal has made me very, very ill, and I can prove it. I applied for Social Security XXXX XXXX XXXX and I am certain I will be approved. I have been tricked by fraudulent corporations, including a lawyer I hired called XXXX XXXX with payment arrangements of course to help me. I have lost XXXX {$6000.00} seeking help, heck, I am still paying the fees for nothing, crooks, that 's what hey are. Please I need help, I can not afford a lawyer and I have nowhere to go if I lose my home.
Company Response:
State: FL
Zip: 33186
Submitted Via: Web
Date Sent: 2015-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-05-30
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I have perfect credit and NationStar bought my Mortgage from XXXX. XXXX thing is they charge XXXX for processing your on time payments via their website. Next I tried to call the customer service line and I need to type my information in many times but it never worked, next If you speak your information it takes a few times to get that to work as well. Once you do get to a representative they ask for the information again because it does n't feed to the representative. They also introduce them self as a DEBT COLLECTOR. Next I begin to tell the badly trained XXXX rep. about the {$10.00} fee and she said it is a processing fee. I told her that the letter I received stated that they honor all terms of the original mortgage and fees for payment was not included. I ask for a manager and never got XXXX ... The call was disconnected after a few minutes being on hold ... I called XXXX with the same story and XXXX time I was disconnected.
Company Response:
State: TX
Zip: 77546
Submitted Via: Web
Date Sent: 2015-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-05-30
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: My loan was a XXXX XXXX loan and was a 10 year interest only. I have been trying to modify since this loan was serviced by Aurora. It was then transferred to Nationstar. So I have been trying since 2011. They have now added the principle and the amount is too high for me to afford and the last denial stated I was denied because I was current with my loan and that I have sufficient income and assets. This is far from the truth. They added almost a XXXX to my payment to include this as principle. So now my payment is like XXXX. My take home pay is XXXX, The money I have in the bank is what I owe now that I am behind since XXXX and I have been saving so I can make at least XXXX payment. If I was modified at the time or any time prior to adding the principal I would not have fallen behind. If you look at my payment history, I have fallen behind and shows that I have been struggling for awhile to keep my payments. I even got help from Keep Your Home California with the reinstatement but NO modification. I am not asking for a free home but I just want something I can afford. My wife takes home about XXXX and we have XXXX child XXXX years old. This is our community and where my son grew up. I need your assistance with XXXX XXXX and Nationstar. The only assets I have is in a retirement account and they are using that against me. What will I do when I do retire?
Company Response:
State: CA
Zip: 90650
Submitted Via: Web
Date Sent: 2015-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-05-30
Issue: Settlement process and costs
Subissue:
Consumer Complaint: In the Matter of : XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXXAccount Number # XXXX XXXX # XXXXXXXXAcc # XXXXCorrespondence Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXXNationstar Mortgage LLCXXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXHOMEOWNER COMPLAINTThe Home-owner is making this complaint as the Home-owner alleges that the Servicer and bank has caused certain improper mistakes to occur and committed other actions with respect to the title and the rights of the home owner, upon a default. NationStar Mortgage LLC filed a Declaration Pursuant to Civil Code 2923.55 ( c ) in which it stated that it has made diligent efforts to offer the home-owner a proper arrangement to avoid foreclosure, when a default occurs. See Exhibit A Declaration of Mortgage Servicer. The Declaration as a condition precedent is not Genuine based on many factors as the servicer did not contact the Home-owner to make any arrangement to avoid foreclosure as is required in this matter. The said exhibit is also not genuine as the very signature is a scribble mark by an unknown person who is not properly identified as he executed the document. The printed name of the declaration is illegible, the effect of these mistakes attest to the alleged improper actions of the servicer that the home-owner was not given the chance to avoid this action for such a small amount of money and a relatively young default. Specifically the Home Owner Bill of Rights, in part as seen below states : The Homeowner 's Bill of Rights ( Civ.Code, 4 2920.5, 2923.4-.7, 2924, 2924.9- .12, 2924.15, 2924.17-.20 ) ( " HBOR '' ), effective XXXX XXXX, XXXX, was enacted " to ensure that, as part of the nonjudicial foreclosure process, borrowers are considered for, and have a meaningful opportunity to obtain, available loss mitigation options, if any, offered by or through the borrower 's mortgage servicer, such as loan modifications or other alternatives to foreclosure. '' ( 2923.4. ) Among other things, HBOR prohibits " dual tracking, '' which occurs when a bank forecloses on a loan while negotiating with the borrower to avoid foreclosure. ( 2923.6. ) HBOR provides for injunctive relief for statutory violations that occur prior to foreclosure ( 2924.12, subd. ( a ) ), and monetary damages when the borrower seeks relief for violations after the foreclosure sale has occurred. ( 2924.12, subd. The Assignment of Deed of Trust filed on XXXX XXXX, XXXX is also defective and therefore is not genuine, for several reasons, at Exhibit B Assignment of Deed of Trust the document being dated XXXX XXXX XXXX was filed with the court many years after the specific trust in which it was assigned too had closed, this is basic California as seen in the XXXX Case. The Document is void and therefore not genuine. The Name of the securitized trust is XXXX, AS INDENTURE TRUSTEE FOR XXXX XXXX XXXX XXXX, the trust closed in XXXX. The assignment at Exhibit pro-ports to make a transfer many yesrs after the trust has been closed, the entry is void. The effect of this improper as the home owner alleges it, results in broken chains of title and illegal actions against the homeowner. The homeowner has asked the servicers certain question in the form of a QWR. See Exhibit C, QWR.
Company Response:
State: OH
Zip: 44004
Submitted Via: Web
Date Sent: 2015-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-05-30
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: My mortgage company i Nation Star on XX/XX/2015 i mail a payment to Nation Star and they stated that they did not receive it so i XXXX XXXX another payment of XXXX so that i would not be late with my mortgage doing the right thing the check came in on XXXX XXXX 2015 i put a stop payment on the wrong check from my bank so it went through, i XXXX XXXX on the XX/XX/2015 i have request several times for a refund from this mortgage company to give my XXXX back and has been denied. i have been getting the run around saying that they are trying to help they are not trying to help they tell you what you want to hear on the phone and when you call back to fallow up your request has been denied how do you just take my money.. i would like to know where i can go to take legal action if this does not get resolve i have been going though this for months with these people all they do is lie
Company Response:
State: IL
Zip: 60617
Submitted Via: Web
Date Sent: 2015-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-05-29
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I was attempting to do a modification on home XX/XX/2015.I was instructed to submit certain documents which I complied to in a timely manner. I check in periodically with the financial institution on a regular basis to check the status on modification which I was instructed that they needed more documents on XXXX separate occasions I complied right away. At which time I was notify that the sales date had been put on hold. I was told that the paperwork that was needed was receive and complete and the documents were on there way to the underwriter. I check back to make sure that the underwriter had receive my documents at which time they told me that it takes up to XXXX hours for the underwriter to review them. That was on the XXXX of XXXX. I was told to check back on the XXXX of XXXX which was a Monday because they were closed on the weekend. I check back on Monday and was told that the house went up for sale on XXXX the XXXX of XXXX. At that point I checked with the auction and was told that the house did not sale it went back to the bank. I called the bank back and they said the could not help me it was out of there hands. I obtain representation to the sales date resend they did not help me. I was to contact CFPB to see if they can help me to get the sales date resended.
Company Response:
State: CA
Zip: 92376
Submitted Via: Web
Date Sent: 2015-05-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-05-29
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: My father XXXX and I am receiving a demand notice on his reverse mortgage. The uploaded demand notice from the lender, Champion Mortgage, gives me 30 days to pay in full before they initiate foreclosure. XXXX see options A, B, C, or D ) When I called Champion Mortgage I was told they would give me 75 days to submit my intentions with the property or ask for an extension. When I called, I was told they will not put these options in writing. Instead I get the following what I call scare tactic from Champion Mortgage.
Company Response:
State: MA
Zip: 019XX
Submitted Via: Web
Date Sent: 2015-05-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-05-29
Issue: Settlement process and costs
Subissue:
Consumer Complaint: We applied to refinance our mortgage ( same company as the present mortgage, but at a lower interest rate and for fewer years ). I was told it should take 20 XXXX days to complete but it seemed there was XXXX issue after another ( some of which I did n't understand ) and it ended up taking XXXX days til we signed. Communication between the mortgage company and us was very poor. When I would finally get through to the person I was to talk with, I got excuses why things were n't moving along as promised and they were very slow to return my phone calls. I never did talk to the loan originator that was listed on the paper work, only the loan processor who seemed never to have answers, only vague excuses.
Company Response:
State: VA
Zip: 24019
Submitted Via: Web
Date Sent: 2015-05-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-05-29
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: My mortgage servicer has changed a number of times. In the most recent changes, prior to the latest change, the automatic payment continued without my intervention. However, last XXXX ( 2014 ) when the loan was transferred from XXXX to Nationstar, the payments did not continue. I received a notice from XXXX stating that " payments received after XXXX XXXX, 2014 will be forwarded to Nationstar. '' I therefore thought that my automatic payments would continue. However, on the next line it said that " ACH arrangements will be discontinued effective XXXX XXXX, 2014. '' More than XXXX months later I got a call from Nationstar asking why I was n't paying my mortgage. I was shocked and immediately paid the outstanding balance and setup automatic payments once again. A short time later I tried to refinance this loan, but was denied. My credit rating was low because of the incident described above. Prior to this my credit rating was fine. I have always paid my mortgage and other bills on time. I spoke to a representative at my local credit union and she said that " ACH arrangements '' is a term that she and others in the industry would understand, but that a homeowner would not. I did not know what it meant.
Company Response:
State: ME
Zip: 04011
Submitted Via: Web
Date Sent: 2015-05-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-05-29
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: It has come to my attention that Nationstar Mortgage will duck and dodge additional principal payments. I have made additional payments towards principal which were auto canceled without any notification. My account is in good standing and I have never been late. I have screen shots of the payment confirmation and I can prove the payment was not deducted from my checking account.
Company Response:
State: MI
Zip: 481XX
Submitted Via: Web
Date Sent: 2015-05-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No