Date Received: 2015-05-22
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I have sent lender package of loan modification on XXXX XXXX, 2015 for review but per my agent told me they need some additional documents for review and no sale date at this point but I still see the sale date active on XXXX XXXX, 2015. I think they are lied to me while I called in to check with trustee company.
Company Response:
State: CA
Zip: 95138
Submitted Via: Web
Date Sent: 2015-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-05-22
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: Well let me start off by saying we're XXXX and can't work, Nationstar thought we wanted to ride for free and make no mortgage payment but that wasn't the case. We was waiting on XXXX to get approve when we try to stay in contact they would hang up or they would talk very rude they say you can't stay for free. I know this but just bear with us for a little bit till I get approve for XXXX and they would hang up.They didn't care if I was on XXXX or not,they we're going to foreclose I told them I needed the make my home more affordable program paper's they say ok then I would never here from them until i call and this went on for a long time they just wouldn't call just didn't care.Then I would call and for the paper work we will sent it at some point they would stop talking.To us I would call and leave MGS. after MGS and no call so if they really wanted to help don't think they would kept in contact with us.there a lot of homeowner's with Lender that have the same problem just check any web site.We had XXXX suppose to be Dedicated Loan Specialist if they really wanted to help we wouldn't be in this problem.XXXX and all of wouldn't call u back.The last time I talked to XXXX I said I need those paper's to fill out and he ok I'll mail them and he waited till the day of sale date we need those paper's back now and the sale date was the next day.I call and left a MGS I need more time.They knew it was to late when they saw my income it was to low they wasn't going to make no deal. So when the sale date was here I called them and they just hung the phone up and I called a few times. And nothing this Lender just wasn't especially XXXX people with low income.We can't help it if became XXXX
Company Response:
State: AZ
Zip: 85043
Submitted Via: Web
Date Sent: 2015-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-05-21
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: My home will be taken away come XXXX XXXX 2015 by XXXX. I have n't tried to save it for I lost hope! I have not replied to the banks for which I did n't care anymore. The home I reside in has been a family home which was left to me and I worked on it to make a better place until 3 years ago when family was complaining how I inherited the home and they got nothing. They disowned me as a family member, which was hard for me because family was everything to me!! I was trying to move on then the following year my house had been broken into several time for the past year. Found out it was a family member and his friends who were on drugs and stole to supply their habit. Last time he did it parents told me to turn him in as I did and he was sent away and has recovered but how difficult it was me to be the XXXX to do it. I was so low in life that I was hating my home more than ever. Then last year I was waking up from the dark and ready to get help for my home. As I was set to start I had lost my job. I did walk straight into a new job however it was just minimum wage. I love my new job and I 'm a hard worker, my boss will give me a great review if this were to go any further. I had a raise and have great opportunity for commission as well. I have belief that I can do this now if I could be given this chance.
Company Response:
State: IL
Zip: 62234
Submitted Via: Web
Date Sent: 2015-05-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-05-21
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I have been addressing these issues since XX/XX/XXXX when I was granted the attached loan modification by XXXX XXXX XXXX prior to the XXXX XXXX XXXX purchase and subsequent takeover followed by XXXX XXXX XXXX nullifying the loan modification after years of payments in XX/XX/XXXX, violating my consumer and constitutional rights with no recourse. I have addressed these issues both in writing and orally to Nationstar Mortgage but the account history discrepancies have been met with only resistance to include a " pass the buck '' mentality and strategy by Nationstar Mortgage and a simple refusal to provide requested information or to even open an investigation with regard to the loan modification history on the mortgage loan per the attached. As a result of Nationstar 's blatant refusal to honor my claims to the point of investigation, Nationstar has left me with no choice but address these issues with the CFPB to finally get some answers as to how XXXX can execute a loan modification on my mortgage loan that neither XXXX XXXX XXXX nor Nationstar has any proof of when I possess the attached supporting documentation. I am confident that the actions would be of interest to the regulatory and government agencies that oversee the mortgage lending and mortgage servicing industries, which is why I have chosen to address this with the CFPB. NOTICE OF ERRORXXXX. I successfully entered into a permanent loan modification agreement with XXXX XXXX XXXX in XX/XX/XXXX beginning XX/XX/XXXX as evidenced by the attached notarized and fully executed loan modification agreement between me and XXXX XXXX XXXX. XXXX. I am asserting that XXXX XXXX XXXX breached the loan modification agreement in XX/XX/XXXX when XXXX XXXX XXXX refused to honor the loan modification and refused all future payments from me, resulting in breach of contract and wrongful foreclosure - Nationstar refuses to address it. XXXX. I am asserting that Nationstar Mortgage has taken no action in the " breach of contract '' matter and has turned a blind 's eye to the serious consumer and constitutional mortgage servicing violations and breach of contract to further perpetuate the wrongful foreclosure of my property over and over again. REQUEST FOR INFORMATIONI would like for Nationstar as the current mortgage servicer on my loan to answer the following questions since XXXX XXXX XXXX has stated that they no longer own the loan and refuse to address these loan modification issues:XXXX Did I execute a loan modification agreement with XXXX XXXX Loans back in XX/XX/XXXX as evidenced by the attached? XXXX. When my mortgage loan was transferred from XXXX XXXX XXXX to XXXX XXXX XXXX, did XXXX XXXX XXXX honor the loan modification and if so, how long did XXXX XXXX XXXX honor it for and if canceled, please provide the reasons for cancelation. XXXX. Please provide a complete accounting of the mortgage loan from origination with XXXX to the XXXX XXXX XXXX transfer to the Nationstar Mortgage service transfer and please provide all documentation notifying me of each transfer and validating the mortgage loan balance for each transfer with each servicer. XXXX. Please provide a detailed explanation as to why XXXX XXXX XXXX accepted the modified mortgage loan payments from XX/XX/XXXX to XX/XX/XXXX but refused to accept any further modified payments beginning XX/XX/XXXX ; please also outline the reasons for all actions commensurate with a cancelation of the attached loan modification agreement. XXXX. Please provide a detailed explanation of the actions that Nationstar Mortgage has taken in an effort to determine if the XX/XX/XXXX loan modification agreement was valid and why it was canceled upon receipt of many letters submitted by me detailing the situation to include proof of everything to support her claims of breach of contract. Thank you!
Company Response:
State: CA
Zip: 92078
Submitted Via: Web
Date Sent: 2015-05-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-05-21
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I was initially laid off from my job of 11 years fellbehind in my payments from XX/XX/XXXX to present. ReqRequested a modification back in XX/XX/XXXX did not rreceive any information from loan servicer XX/XX/XXXX. I had to submit modification XXXX timesuntil representative acknowledge they were theyon XX/XX/XXXX. Then only to be told was n't there afterspeaking to different representative. This went onfor several mos. Always speaking to someonedifferent with conflicting information so I had tosubmit XXXX more time after that. My information wasmixed up with another individual and held up filefrom moving forward to next step. Had to send paystub XXXX times. Tax information was sent fax XXXXtimes to a bad fax number and email XXXX times. Lastly after all this just recently told mymodification application was submitted onold forms which they provided to me and Ineed to resubmit on new one this was XX/XX/XXXX I have not reached my selldate XX/XX/XXXX which I believe this was alldeliberate to steal my property withoutgiving me a fair chance to keep it.
Company Response:
State: CA
Zip: 91950
Submitted Via: Web
Date Sent: 2015-05-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-05-21
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Received a letter from Nationstar Mortgage stating that our homeowners hazard insurance had expired. Contacted insurance company who confirmed that coverage was continuing. Sent email to Nationstar with copy of declarations page asking them if property was sill covered. No response to date after XXXX emails. Can not express how distressing this has become.
Company Response:
State: FL
Zip: 32907
Submitted Via: Web
Date Sent: 2015-05-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-05-21
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I applied to for a modification of my loan and got approved for a monthly payment of {$2900.00} which is more than 31 % of my income. There was no explanation as to how the mortgage company got that figure or how the payment is going to be distributed. I can not afford that high payment and will like any help available.
Company Response:
State: FL
Zip: 33183
Submitted Via: Web
Date Sent: 2015-05-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-05-21
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Calling the number listed for customer service on the Nationstar Mortgage site resulted in automated advertisements for XXXX minutes, with a prompt required for each of about XXXX ads to decline more information, then I was told this was n't a working number and I should call another number. When I called the other number it had the same advertisement routine. Then I tried logging into the web site, but it would n't reset my password although it kept acting like it would -- i.e. sending me a reset link through email. It took a lot of digging to find the corporate headquarters phone number. I was forwarded through XXXX departments there and finally got customer service. But I was aware, and so was the agent I spoke with, that the company was deliberately keeping customers from speaking with a person directly.
Company Response:
State: CO
Zip: 80503
Submitted Via: Web
Date Sent: 2015-05-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-05-21
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I am a home owner in review for a modification but the lender is still proceeding with foreclosure and has set a foreclosure date for Tuesday XXXX XXXX, 2015. I believe they are violating my " Homeowner Bill of Rights Act and they are breaking the law. Can you please help me with this. Thank you, XXXX XXXX
Company Response:
State: CA
Zip: 95136
Submitted Via: Web
Date Sent: 2015-05-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-05-21
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I refinanced my house back in XX/XX/XXXX - because of the XXXX I needed PMI. My PMI was set to automatically terminate at 78 percent of the original loan value and I could request at 80 percent. Back in XX/XX/XXXX I sent to Nationstar who had recently purchased my mortgage a request, along with a copy of my PMI notice and the schedule. They ignored this letter. In XXXX I sent XXXX pointing out that I had reached the mandatory cancellation. They ignored that and took out PMI. I contacted them, there response was to say that I am at XXXX XXXX, which I am not. They have provided me no proof of their assertions, even though I have provided them with the attached.
Company Response:
State: AK
Zip: 99507
Submitted Via: Web
Date Sent: 2015-05-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No