Date Received: 2015-04-30
Issue: Settlement process and costs
Subissue:
Consumer Complaint: XX/XX/2014 I was approved for a FHA XXXX modification and a KEEP YOUR HOME CALIFORNIA REISTATEMENT GRANT. I was sent a copy of the approval, monthly payments that I would be making, interest of 43/4 and was waiting to receive the loan docs. On XX/XX/2014 I had already made two trial payments and was informed by the loan servicer that my loan docs were sent to me by mail, I also received a phone message that my KYHC file was being closed because my loan servicer had opted out of giving me a loan modification because I had not provided them a document that had been requested and I no longer had a loan modification. I contacted my loan servicer and was assured that I no document was missing and my loan modification was secure and that KYHC had opted out and would not be offering any financial assistance to reinstate my loan. I tried to explain to KYHC that I did have a loan modification but KYHC refused to contact my loan servicer and sent me an email that when I start making more money I could reapply for assistance. This information was false, once my loan modification docs are signed KYHC will not offer a home owner assistance. I recently filed a complaint against KEEP YOUR HOME CALIFORNIA with the California XXXX and again I questioned my loan servicer who still maintains that they did not opt out of accepting financial assistance.. KEEP YOUR HOME CALIFORNIA addressed my claim but the story has changed slightly. They maintain that an opt-out document was received from my sevicer and that an opt out can be decided for no reason or any reason. I want to also state in my claim that my loan servicer treated me just as bad. A {$35000.00} balloon payment was never stated or was addressed when I received the preliminary approval for the FHA HAMP loan .I wanted the fees explained and asked why this was never mentioned. My loan servicer refuse to discuss the balloon payment or itemize the amount I was being charged. A debt counsler that I had been assigned to called my loan servicer and a three way conversation was held. The request again was made to itemize the {$35000.00} and the servicer agreed. I was then told that the late payments added up to {$22000.00} which I already knew and that the rest were fees. I got nothing. I than received a letter from my loan servicer that due to my inquiry an adjusted fee was discovered and now my balloon would be {$37000.00}. New loan docs were mailed to be signed and notarized again. Also, soon after my first mortgage payment I was informed that my new payment would now be {$79.00} more due to a rise in taxes. My loan servicer decided the value of my home would jump from {$140000.00} to {$190000.00} and was well aware that my taxes had been hiked. So you see I have been treated very bad and both of these agency are pointing the finger at each other.
Company Response:
State: CA
Zip: 92253
Submitted Via: Web
Date Sent: 2015-05-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-04-30
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I paid my mortgage off that I had with Nationstar. I still have not received my release of loan documents. All I now is that they hav my money but no evidence that it is paid off. I want papers that state that I no longer owe money on my home. I called and went through all the menus finally was connected to a real live person. I explained what I wanted gave him all the information including my social security number he told me he told me that he would have to research it for me. I was put on hold for XXXX minutes and then was disconnected. I should not have to go through all this consternation to get loan release certification. I am so glad that I no longer have a mortgage with Nationstar this is not the XXXX incident I 've had with them. They are not a reputable company. They seem to be a little shady and not really professional.
Company Response:
State: FL
Zip: 320XX
Submitted Via: Web
Date Sent: 2015-04-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-04-30
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I have lost faith in nationstar mortgage, after they baught out XXXX.natiinstar has constantly had misinformation, about my current loan.i was told i would get an escrow overage check in XXXX of over XXXX have not recieved said payment.i have talked to many reps at nationstar to date.ihave continually met a fight to get the correct information from any XXXX reps from nation star.i had submitted a complaint to nationstar about my principal payment being so low and my interest and escrow are way offset! at that time i have decided to withhold payments until i can get help on this issue.i requested a full ecrow printout, and a full payment history with nationstar.i am also going back to XXXX for the same information.i can not afford a private attorney.so here i am.i get no resolve from reps answers at nationstar, noone has the same dates, amounts, or basic information.i believe that they are in breach of basic contrct.die to misrepresentation of funds information, and basic accuracy of said mortgage information.
Company Response:
State: WA
Zip: 98338
Submitted Via: Web
Date Sent: 2015-04-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-04-30
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I NEEDED HELP WITH MY MORTGAGE PAYMENT. I APPLIED FOR ASSISTANCE IN XXXX XXXX. NO WRITTEN DECISION HAS BEEN ISSUED BY MY SERVICER, NATIONSTAR. INSTEAD THEY HAVE SCHEDULED A FORECLOSURE SALE FOR XXXX/XXXX/XXXX. AFTER SEVERAL MONTHS OF REVIEWING MY FILE THEY MAKE THE CLAIM THAT THEY ARE MISSING PAGES XXXX OF THE REQUEST FOR MORTGAGE ASSISTANCE APPLICATION. NATIONSTAR IS EITHER AN EXTREMELY SLOW READER OR THEY HAVE NO REAL INTENTION OF PROCESSING MORTGAGE ASSISTANCE REQUESTS.
Company Response:
State: CA
Zip: 94577
Submitted Via: Web
Date Sent: 2015-04-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-04-30
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: There are a couple of issues. When my mortgage ( by XXXX XXXX ) was sold a past due balance was transferred to the new mortgage company ( Nationstar Mortgage ). I spoke to Nationstar and was told repeatedly that this balance was part of a forbearance that the XXXX issued but all of the information had not been sent over yet. When it continued to appear on my statement I called and called, waited long periods of time to reach a person, having that person ask if they could place me on hold while they reviewed the account and made notations at which time the phone would begin to ring again and another person would answer and ask if they could have my loan number. This happens, at least, 4 times during each call until I am forced to hang up. In addition, they have tacked on a large amount for insurance they claim to have not been able to verify. This is incorrect. XXXX advised they sent over the insurance information and my insurance carrier said Nationstar could see if there was coverage on the home. Nationstar charges {$9.00} to make an online payment if the payment is made after the last day of the month regardless if the payment is past due or not. Past due payments are charged this fee plus a late fee. If the payment is made via phone the fee is {$19.00}. I have paid additional monies on several of my payments trying to put the mortgage a month ahead in order to avoid the online payment fees. Each month the overage is applied to the principal. When I have spoken with Nationstar they say that 's just the way it is and ca n't be undone. Their advise is to note it when I make the payment but there is nowhere to make this notation.
Company Response:
State: FL
Zip: 32244
Submitted Via: Web
Date Sent: 2015-04-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-04-30
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I attempted to cancel an automatic payment, but soon after another payment was taken, and the attempted cancellation did not go through their system. I asked the company to return the overpayment, and they stated that it would take XXXX days. It took XXXX months. During that time, I had {$1000.00} of bank charges for bounced transactions from my other bills that automatically were deducted from my account. This all occurred before I realized that they took the XXXX payment. They state that they did hear the recording of me asking their representative for the return of funds. They have not accepted responsibility for the bounced check fees. I requested that they add a letter to my credit report, which has been significantly affected secondary to the missed payments, which they have not done. I will file a XXXX complaint about another company that was complicent in my credit score as a result of this event.
Company Response:
State: NC
Zip: 28787
Submitted Via: Web
Date Sent: 2015-04-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-04-29
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I have an XXXX loan from th XXXX. It started with XXXX then they turned it over to XXXX. A few years ago the loan was turned over to Nationstar and that is when all the trouble started. They told me when the loan was set up the taxes and insurance were taken out of the payment. The payment was always XXXX. When it went to Nationstar we paid insurance and taxes thru XXXX XXXX XXXX. This seems to me to put more on the principal than the way it was set up. I have made the payment every month to Nationstar, every month {$1800.00}. They change the payment amount, they added an escrow account, paid taxes once and then returned the money. My loan has never gone the way it should. My husband and I are in our XXXX, neither XXXX of us are in good health. XXXX months ago my husband was on XXXX. I do n't know what to do anymore. They have ruined our credit rateing. I have spoken to them for years about this loan and another smaller loan that is also from the XXXX, and also had terrible problems. This has been going on for years. I have faxed them my bank statements to prove payments were made. I have sent paper work. So far my bill if up to over XXXX in faxing and mailing paperwork. I speak to someone that understands and agrees then it all happens again. It is like they figure it out but no one writes it down or lets anyone else know about the outcome of our understanding. Please tell me what I can do. I just sit here and cry at times I am so frustrated. Please tell me what to do now. I recently received and letter asking me if I had an attorney. Maybe getting an attorney is the only answer.
Company Response:
State: CA
Zip: 91354
Submitted Via: Web
Date Sent: 2015-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-04-29
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: Hello I tried to file a deed in lieu of foreclosure with Nationstar mortgage ( account number : XXXX ) and I submitted all the required forms to my rep, XXXX XXXX, but she never responded. The first time I submitted the forms via fax was on XXXX/XXXX/2015. She did respond. I called and emailed her again on XXXX/XXXX/2015 and XXXX/XXXX/2015 and again, no response so I refaxed all requested documents. She still did not respond. I finally reached a deed in lieu representative on XXXX/XXXX/2015 who told me my home now has an auction sale date of XXXX XXXX and I can no longer qualify for a deed in lieu because there is a sale date. At that point I then enlisted the help of my agent XXXX XXXX to try to attempt a short sale and he submitted a request that same day. Still my request was denied because I was told there was not enough time to review my short sale request. I 'm very upset because I initially did everything I was told to do to complete the deed in lieu on time before a sale date was even put in place and because the rep refused to return my calls or emails I 'm not unable to complete a deed in lieu or even a short sale now. Please help as I feel my lender did not operate in an ethical manner and I 'm now unable to pursue any other options. Thank you. XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92692
Submitted Via: Web
Date Sent: 2015-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-04-29
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I bought my first home in XXXX when I was XXXX years old. I needed to have XXXX loans on it to purchase it and I really wanted it. I do n't know the reasons why but I had XXXX conventional loan at XXXX 30yr at 7.25 % and a XXXX ballon loan XXXX 15yr at 8 %. After XXXX yrs I refinanced my XXXX loan reasonably. But nobody seems to want to touch the XXXX loan or wo n't touch my XXXX loan. It seams unreasonable for the lending company 's to have a policy that would prohibit the loan from being refinanced.
Company Response:
State: MI
Zip: 488XX
Submitted Via: Web
Date Sent: 2015-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-04-29
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I purchased a home XX/XX/XXXX for {$59000.00} and I have only been late on payment XXXX time ( XXXX days ). I recently looked at my mortgage statement on XX/XX/XXXX and my balance is showing {$64000.00}. I have called and spoke with several people, I have been transferred to several departments, and even asked to refinance and put my appliances under warranty. I went as far as going downtown to get my original deed and suggesting that I fax it over so they can correct their mistake. The lady transferred me again and stated that the escrow department is closed and call tomorrow. I can say that everyone that I have been transferred to in the past week as been polite, but has not been helpful. They have offered others warranties, refinancing, and shopping for other home insurances. Now it almost XX/XX/XXXX and I still have not received a phone call back regarding how I purchased a house in XX/XX/XXXX for {$59000.00} and now it is XX/XX/XXXX and I owe {$64000.00}. Also when I called back in the earlier part of XX/XX/XXXX this year to inquire about this matter, I then receive my XX/XX/XXXX and XX/XX/XXXX mortgage note and it had XXXX. I pay $ XXXX/month and now my statement is saying $ XXXX/month. Please help me to understand what is going on. Thank you.
Company Response:
State: LA
Zip: 71107
Submitted Via: Web
Date Sent: 2015-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No