Date Received: 2015-04-23
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: Hi, I certainly hope you can help as my home is in foreclosure with an auction date this Monday, XXXX XXXX. I 've been requesting a loan modification due to financial hardship for almost two years now from Nationstar Mortgage. I have been in my home since 2003. Today my attorney filed a strong suit against Nationstar LLC and XXXX XXXX XXXX XXXX. in the XXXX XXXX XXXX California , XXXX of XXXX XXXX, at the XXXX XXXX courthouse. I have now had my current attorney and a modification broker/agent I hired prior to him communicate with Nationstar non-stop during this time, and to no avail. Numerous and complete modification files have been submitted and none opened. All communications with Nationstar between my former agent with them, and my attorney with them, have been documented by us. Nationstar continues to ignore requests for pertinent and urgent information, claims time and again that they have n't received certain docs when they have, provides false information which depends on who you speak with there, and has sincerely provided no legitimate service or assistance in my trying to pay a modified mortgage which I 'm quite able and have been ready to do, and get my financials and credit back on track. I could go on but as the sale date is imminent, I 'm seeking any assistance they or you can help provide in stopping that action immediately, and just short of their causing additional serious damages to be accounted for in court at a jury trial and in class-action. I want no more financial stress and emotional hardship, and certainly would never be able to own and operate a licensed business in the State of California as they operate theirs. Nationstar has ignored the California Homeowner 's Bill of Rights in this case. Please help!
Company Response:
State: CA
Zip: 90069
Submitted Via: Web
Date Sent: 2015-04-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-04-23
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I HAD A SALE DATE ON MY HOME ON XXXX XXXX WITH NATION STAR MORTGAGETHAT WAS TRANSFER FROM XXXX XXXX XXXX, TO XXXX, FROM XXXX XXXX XXXX, I APPLIED FOR A LOAN BUT THE LOAN WAS TRANSFERRED, FROM XXXX PLACE TO ANOTHER, SO I REQUESTED " A QUALIFIED WRITTEN REQUEST '', BUT NEVER GOT ARESPONSE, BUT ACCORDING TO THE REAL ESTATE SETTLEMENT PROCEDURES ACT THEY ARE SUPPOSE TO SUPPLY WITH ALL DOCUMENTS PERTAINING TO THE REQUEST, BECAUSE I DO N'T KNOW WHO IS HANDLING THIS LOAN AND MY LOAN MOD REQUEST
Company Response:
State: CA
Zip: 90606
Submitted Via: Web
Date Sent: 2015-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-04-23
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I am in a HAMP and just received my first escrow analysis in 4.5 years. It has raised my payment by {$330.00} a month. I feel that I should have been notified yearly to any shortages and allowed to stay current with a small increase and not hit with a huge increase all at once. I entered a HAMP so I could stay current on my home and feel I was lied to by the company not notifying me of the yearly increases which were not large, but after 4.5 years have added up to an unfair increase. Also, I feel they never put the proper amount into Escrow to start.
Company Response:
State: FL
Zip: 349XX
Submitted Via: Web
Date Sent: 2015-04-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-04-23
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Last year I refinanced a loan for a house that I own with Nationstar Mortgage to bring down my payment, and to rid the PMI insurance. It did bring down my payment for about a year, but as the second year started on the payments Nationstar brought my payment back up to the amount I was paying, so I reviewed my payment and noticed they had been charging me PMI insurance under another name Borr Paid, and that they charged property tax XXXX against my escrow. I called Nationstar about this, they said they would review my escrow statement I informed them that the Ins payment was not on my truth in lending statement nor my escrow statement, as for tax payment they said they did n't send out a second tax payment, but according my statement they did. On the PMI they want me to do a PMI cancellation and charge me an appraisal. My complaint is they need to cancel my PMI and refund me the money they have been taking out for the last year since it was n't in my contract to begin with, and to refund the second tax payment, since they made these mistakes on my escrow it was caused my Payment to increase by a {$150.00} a month.
Company Response:
State: AL
Zip: 359XX
Submitted Via: Web
Date Sent: 2015-04-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-04-22
Issue: Application, originator, mortgage broker
Subissue:
Consumer Complaint: HelloI recently applied for a refinance on my home mortgage. from Green Light XXXX XXXX and division of Nation Star Bank. After many weeks of working on forms and sending documents to them. I was told we were going to close on the loan. The mortgage do not pay on your existing loan. The mortgage did not answer my calls. Then Nation Star wanted there late fee.
Company Response:
State: OH
Zip: 44060
Submitted Via: Web
Date Sent: 2015-04-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-04-22
Issue: Settlement process and costs
Subissue:
Consumer Complaint: As part of a refinance transaction, my existing XXXX mortgage with Nationstar Mortgage was paid off on XXXX XXXX, 2015. As of XXXX XXXX, 2015, the discharge of mortgage had not yet been recorded at the XXXX District Registry of Deeds. I contacted Nationstar to inquire about getting the discharge recorded, as I was scheduled to close on a new home equity line of credit mortgage and was unable to do so until the discharge of the paid off mortgage had been recorded and I informed them of this fact. They responded to my inquiry by sending me a copy of the discharge of mortgage together with a letter that was purportedly mailed to the XXXX District Registry of Deeds on XXXX XXXX, 2015. After checking the Registry Records for XXXX weeks with no evidence of the discharge being recorded, I again contacted Nationstar Mortgage to let them know that the discharge was still not recorded and I asked them to send me a new original discharge of mortgage so that I could record it myself at the Registry of Deeds. They informed me that they would not provide me with an original discharge of mortgage as this was not their policy, despite the fact that it was my money that paid the loan off, I was not allowed to be given the document releasing it directly. I asked them to send a new discharge out the the Registry of Deeds and they assured me that they would do so. This pattern continued throughout XXXX and into XXXX. I also contacted Attorney XXXX XXXX, ( the attorney that paid off the mortgage ) and her office has also been in contact with Nationstar Mortgage with no result. They refuse to send out a new discharge of mortgage and now I am unable to close on the new loan, which is causing me a grave financial hardship. I do n't know what else to do. Please help!!
Company Response:
State: MA
Zip: 015XX
Submitted Via: Web
Date Sent: 2015-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-04-22
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: Been dealing with Bof A and NationStar for FOUR YEARS Trying to get a modification in place on XXXX homes we own. ( XXXX a rental and # XXXX our personal home. ) Have done EVERYTHING they 've asked and have the paperwork and fax/mail receipts to prove it. Constantly getting more and more requests for docs they " did n't receive ''. We were allegedly in modification talks and were attempting to secure XXXX, and they went ahead and foreclosed anyway. They also got a judgment against us that we were n't EVEN SERVED! I have about XXXX pounds of documents, emails and receipts for evidence oXXXXf my allegations, so believe me if you want some good evidence of the illegal half assed business practices, I 'm your gal!
Company Response:
State: OR
Zip: 97123
Submitted Via: Web
Date Sent: 2015-04-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-04-22
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: The Servicing Company to my mortgage - Nationstar Mortgage is attempting to illegally foreclosing on my personal property by selling it at auction on XXXX XXXX, XXXX in direct violation of HBOR law. Nationstar Mortgage failed to complete a review of my loan modification submission and request for relief. In addition, they have failed to offer any alternative to foreclosure programs like short sale. Nationstar Mortgage illegally commenced and is conducting a foreclosure while reviewing attempting to find workout relief options for me. They have mishandled my documents and file several times and failed to properly communicate with me throughout the process. They simply violated HBOR specifically under the " dual tracking '' clause. Nationstar Mortgage instructed and allowed the Foreclosure Trustee named XXXX XXXX XXXX to illegally start foreclosure on my property. I ran our financials on the Nationstar Mortgage and Know Your Options website and the result was that we are eligible for a loan modification with a lower payment to save our property. See attached documents. So there no reason why Nationstar should denied our request or foreclose on the property.
Company Response:
State: CA
Zip: 90240
Submitted Via: Web
Date Sent: 2015-04-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-04-22
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I was called at XXXX
Company Response:
State: PA
Zip: 18018
Submitted Via: Web
Date Sent: 2015-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-04-21
Issue: Application, originator, mortgage broker
Subissue:
Consumer Complaint: On XXXX XXXX, XXXX we were approached by Nationstar Mortgage and offered a better interest rate for refinancing our home than the one we had. We informed Nationstar that we were already in the refinance process and about to close with XXXX XXXX Bank. Then on XXXX XXXX, XXXX we submitted the application for the refinance process with Nationstar. Our credit check was ran and we were awaiting response from Nationstar for further instruction on appraisal scheduling. Then the appraisal was done and now we were waiting for the closing date information from Nationstar. We submitted additional documentation that was required for our credit check. During this time we were notified that we were approved for the loan. After this no follow-ups were done and we were not kept informed of the loan status/closing date. About mid XXXX XXXX we contacted XXXX XXXX ( our assigned loan officer XXXX # : XXXX ) to inform him that we were going to cancel the refinance process with Nationstar Mortgage due to their poor time management and lack of communication with us. At this point he showed no interest as to how to resolve the issue, he simply replied, ok. We also communicated that we would be reporting this to his manager, XXXX ( or like agency ), as well as his XXXX license number. Now XXXX began to probe to find the root of our dis-satisfation and stated that he will make this right by " accelerating '' the process so that we may close within the next or latest next two weeks. We were not confident that XXXX could deliver but he assured and reassured us that he could speed up the closing date. During this phone conversation XXXX ( nor anyone at Nationstar ) did not inform us of why the closing date was taking so long. Please note that on XXXX XXXX we communicated to XXXX via email that we did not approve any additional credit checks. For approximately 2 1/2 weeks we did not hear from XXXX again. So due to our frustration we refused to speak to him and in turn sought out his manager. We got the run around when attempting to speak to a manager as other co-loan officers refused to transfer our call and instead they notified XXXX that we were seeking to complain to his manager. XXXX contacts us only to tell us to stop threatening him with reporting him to his manager. Finally after several attempts we spoke to XXXX XXXX ( manager at Nationstar ) and explained our situation, which he already had knowledge about as he was XXXX of the persons we spoke to when attempting to reach a manager, but failed to assist us since it resulted in a transfer/call back from XXXX. XXXX XXXX researched our loan status and he stated that we are having difficulty being approved, which was a complete shock as we were about to close with XXXX XXXX Bank back in XXXX XXXX with no issues. At this point is when we find out that our credit was ran again for evaluation even after we stated we did not approve additional credit checks. Nationstar set false expectations for us stating that the longest a refinance loan procedure could take, ( keeping in mind approval/title complications ) would be around XXXX45 days. For us it has been roughly 150 days and we have yet to close. Why did it take 150 days +/- to find out that we do not qualify and why did we have to file a report to be given this information? And worst of all, due to the multiple credit checks by Nationstar our credit score has declined. Now we ca n't refinance our home. It was n't until after we spoke to XXXX XXXX ( XXXX, five months later ) that we were told we have to pay some accounts off to qualify, which we agreed to. We were never contacted by Nationstar again. It seems as if refinancing our home with Nationstar perhaps it is not in their best interest financially but after all they were the ones who approached us so that we would not refinance with XXXX Bank.
Company Response:
State: TX
Zip: 77044
Submitted Via: Web
Date Sent: 2015-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No