Date Received: 2015-04-21
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I entered a modification with Nationstar only to be denied, due to not submitting documentation, however, I have fax confirmations. I called to check the status of my modification on XXXX/XXXX/2015 was then informed that I was denied and that there was a sale date of my property on XXXX/XXXX/15. I was dumbfounded. Have called repeatedly, the bank refuses to work with me saying there is nothing they can do now. I was never notified that there was a sale date, Nationstar said it was my responsibility to continue to call in, and if I would have I would have been notified of the sale date. This company should not be allowed to do business. I am now down to a matter of hours before I lose my property and there is absolutely nothing the bank will do!! DEVASTATED!!
Company Response:
State: IL
Zip: 620XX
Submitted Via: Web
Date Sent: 2015-04-21
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: Nation star indicated that tbey would automatically modify my second lien loan after my first lien was done. That was back in XXXX. Every month I am told it is in process. Finally in XXXX I recieved loan documents indicating what my new payment would be starting in XXXX. I returned them signed and have yet to receive any additional information. In XXXX I called to make the payment and was told my loan was in default when I was transferred to the modification program they told me it was just taking longer to get documents proceeded but all was good and to send in a payment in the new amount the next week. It is now ebs of XXXX and I am getting certified letters that I am in default. I paid the new payment amount in XXXX and XXXX. I just want them to resolve this mess as they are reporting me to credit bureau.
Company Response:
State: TX
Zip: 78250
Submitted Via: Web
Date Sent: 2015-04-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-04-21
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I applied for a loan modification as a result of a loss of employment. The program offered by Nationstar was appreciated but I respectfully declined. The program offered did not make good financial sense considering how severely underwater my mortgage is. On multiple occasions, I submitted written/verbal requests to Nationstar Mortgage declining the deferred payment plan. Nationstar has failed to remove the Home Affordable Unemployment Program. Additionally, my most recent payment remitted to Nationstar Mortgage was n't applied correctly. I have attempted to contact representatives from Nationstar Mortgage on several occasions for a resolution to no avail.
Company Response:
State: NC
Zip: 28269
Submitted Via: Web
Date Sent: 2015-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-04-21
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: We purchased a new home from XXXX XXXX in XXXX of 2013. They have their own lender and we used XXXX XXXX Mortgage. They sold our loan to Nationstar Mortgage about 5 months later. Our closing documents show that a portion of our payment into escrow would go towards paying property taxes. We are currently trying to refinance our mortgage and we are unable to because we have been told that Nationstar has not been paying our property taxes to XXXX county. I have tried to find out what has been going on with Nationstar and I 'm getting the run around, being told that we are tax " exempt '' I have no idea where they could have gotten that information. Our original loan was sold and I feel there is a violation of RESPA within that transaction.
Company Response:
State: AZ
Zip: 85212
Submitted Via: Web
Date Sent: 2015-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-04-21
Issue: Settlement process and costs
Subissue:
Consumer Complaint: I received documentation from NationStar Mortgage, dated XXXX XXXX, 2015, however, the package that was sent to me with the XXXX/XXXX/15 date was NOT delivered to me by XXXX until XXXX/XXXX/15. Ironically, the information sent to me by Nationastar was also requesting that I have the information signed and notarized and returned to them by XXXX/XXXX/15, the exact same day it was delivered to me. There was also information in the package indicating I requested a Recast/Amoritization loan and I have no knowledge of this request or the understanding of this loan program. I was approved for a Principal Reduction through the Keep Your Home California Program ( KYHC ) for a principal reduction and they paid {$51000.00} to Nationstar on XXXX XXXX, 2015. I contacted Nationstar about a week or so after the payment was made on XXXX XXXX, to ask them the status of my Principal Reduction. I was told information was being sent out. My concern is the same thing happened to me when this company purchased my loan from XXXX XXXX XXXX, they indicated I was sent information on XXXX day, however, it was never received or when it was received it was NOT in a timely manner or on which the date the letter was address and when they said they sent it. I am NOT refusing the Program approved for me by the XXXX, I am asking Nationstar to first resend the information using the correct date and time frame it is being sent, NOT TWO WEEKS after dating the letter. I also asked where was the monies applied that was received by the XXXX on behalf of me because in the documentation it indicated where about {$40000.00} was applied but not the remaining balance of the {$51000.00}. I also asked them to explain how is this HFA agency related to this loan, the party they are describing that helped in their documentation and finally, please explain to me what is the Recast/Amoritization Program, because I would be signing something that I have NO knowledge of what I would be signing, how it affects my loan and what if any are the advantages or disadvantages of this program and what will my interest rate be? Will my interest rate remain at the 2 % that they indicated in the documentation and is the same as my previous loan modification? Because, although the 2 % was indicated in the documentation that it would remain the same 2 %, in the documentation they also gave me a lowered loan payment, on what my new loan payment would decrease to, but I did n't get an exact amount because it stated that this amount does NOT include insurance and taxes. I am willing to give Nationstar time to respond to my letter sent to them on XXXX XXXX, 2015 and I did make a call this morning to Nationstar and spoke with a XXXX about my concerns and she did send an email to the department handling the loan and said she is waiting on a response from that department and would get back to me.
Company Response:
State: CA
Zip: 92571
Submitted Via: Web
Date Sent: 2015-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-04-21
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I filed for bankruptcy and received a discharge in XX/XX/XXXX. I had a second mortgage with XXXX XXXX XXXX, which was listed on the bankruptcy schedules. Nationstar Mortgage has continued collection activities against me attempting to collect the discharged debt. Nationstar Mortgage has recorded this discharged debt on my credit report as late for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers
State: GA
Zip: 30349
Submitted Via: Web
Date Sent: 2015-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-04-21
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: My XXXX XXXX XXXX Mortgage is being transfered or sold to new servicer, Nationstar Mortgage. The notice of Service Transfer was dated ( created ) XXXX XXXX, and post mailed to me. I received physical letter on XXXX/XXXX/XX/XX/2015. The effective date of transfer is XXXX XXXX servicers must notify you about the transfer of your servicing rights *no less than 15 days* before the effective date of transfer. They did not abide to this rule.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2015-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-04-21
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I Understand that both your old and new servicers must notify you about the transfer of your servicing rights no less than 15 days before the effective date of transfer. Although the transfer letter was dated XXXX XXXX, 2015, it was NOT delivered to my home until XXXX XXXX, 2015. The transfer date expressed in the letter is XXXX XXXX, 2015. That is less than 15 days!
Company Response:
State: CO
Zip: 80104
Submitted Via: Web
Date Sent: 2015-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-04-21
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I have a option arm Jumbo that was sold to XXXX, then to XXXX XXXX XXXX an finally to Nationstar. XXXX said that I qualified for the XXXX settlement agreement to Modification and then sold the servicing to Nationstar who said that they did not inter into the XXXX settlement. Nationstar will not modify my loan for any reason and would rather short sale the property for half the amount that I am trying to modify.
Company Response:
State: CA
Zip: 92673
Submitted Via: Web
Date Sent: 2015-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-04-21
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: They Call me constantly to tell me my mortgage is late because it has n't been received by the XXXX of the month. But it has a grace period and the payment is always paid within that grace period and is never late. We are being scammed by them in an effort to force us to sign up for automatic withdrawals. Our mortgage was sold to them from the original bank we had our mortgage with for XXXX years and we never had a late payment. This company is crazy. They call us almost everyday and are now harassing us at work for a mortgage that had been paid. We recently mailed the payment and they called us to say they never got it. I had to stop payment in tje check and am now being told because it really is late now there is a late fee charged. Please help us.
Company Response:
State: NJ
Zip: 087XX
Submitted Via: Web
Date Sent: 2015-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No