Date Received: 2017-12-01
Issue: Trouble during payment process
Subissue:
Consumer Complaint: On XXXX/XXXX/XXXX, my home sustained water damage. I reported this to the mortgage company, Nationstar Mortgage LLC d/b/a XXXX XXXX NMLS # XXXX, and my homeowners insurance company. I opened a claim with the insurance company. I hired a licensed contractor who repaired the work and I paid the contractor in full out of my pocket. The insurance company and mortgage company were notified the work was completed and were provided documentation verifying the completion of the work and that the contractor was paid in full. The insurance company verified the work had been completed to their ( and my ) satisfaction and that the contractor had been paid. On XXXX XXXX, XXXX, the insurance company issued check for the cost of repair less my deductible and made the check payable to me and the mortgage company. I endorsed the check and sent it to the mortgage company for endorsement. They have unlawfully and without my authorization withheld my reimbursement of funds. They have lied, they have withheld information, they have made unlawful and unreasonable demands of me and my contractor under the guise of what is required to obtain my funds. When I have attempted to comply, they have denied receipt of documents that they received, and they have continuously added additional requirements before they state they are willing to send my funds. I have requested email verification of their procedures and demands. They refuse. I have requested to speak to a supervisor. They have refused. I am retired and depend on my funds for my life expenses. I have been without these funds for two ( 2 ) months without end in sight. They have effectively stolen my money. I am current on any and all financial obligations to them and they have withheld almost {$30000.00} from my savings.
Company Response:
State: FL
Zip: 32309
Submitted Via: Web
Date Sent: 2017-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-01
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I filed an insurance claim for hail damage in XXXX. I submitted partial documentation to the mortgage company as requested in XXXX XXXX. In XXXX XXXX I received additional insurance checks from the insurance company. I sent these two new checks to the mortgage company in XXXX XXXX. After sending the checks in I was told additional documentation was needed in order to release the funds, this would have been XXXX XXXX. I sent in the additional information as requested in XXXX XXXX. In XXXX or XXXX XXXX, I received a phone call stating the information was not correct and still needed to be provided. The requested documents were sent in for a second time in XXXX XXXX. The mortgage company failed to call or make any attempts to let me know that this was not sufficient again until XXXX XXXX. Again, I complied with their request and sent in the documents for a third time. Again, I received no communication that these were not sufficient. My wife called in XXXX XXXX to see if the checks would be released and she was told yes that everything was good and the funds would be released. On XXXX XXXX XXXX I received a phone call stating that the mortgage company still required the additional documentation to release the funds. This process has dragged on for almost 18 months with no resolution in sight. I am again required to send in the same documents a fourth time. The process they have set up is convoluted and very secretive in how the documents should be filled out and what is exactly required when filing an insurance claim.
Company Response:
State: CO
Zip: 80916
Submitted Via: Web
Date Sent: 2017-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-01
Issue: Trouble during payment process
Subissue:
Consumer Complaint: As of XX/XX/XXXX, my mortgage was transferred from XXXX XXXX ( " XXXX '' ) to Mr. Cooper ( " Cooper '' ) ( f/k/a Nationstar Mortgage ). Both XXXX and Cooper informed me that there would not be any changes to my account, including autopayment. That is, my mortgage with Cooper would be automatically paid on the same day as it would have with XXXX. My mortgage was always paid on the first of the month. However, when I logged onto XXXX 's website, it said that I would not have an autopayment until XX/XX/XXXX. When I called, a representative was unable to tell me why this had happened, but said that I would not have to pay twice if I paid. When I attempted to pay online, it said that I was paying twice. However, no records of payment appear on either XXXX 's website or my checking account 's website. I am unable to pay my mortgage due to a glitch in XXXX 's system.
Company Response:
State: NY
Zip: 10128
Submitted Via: Web
Date Sent: 2017-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-30
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Nationstar Mortgage order of how the documents were put into the record and filed XXXX Appointment of Sub Trustee XXXX Notice of Trustee Sale XXXX Assignment of Deed of Trust ( Should of happened before Notice of Trustee Sale ) XXXX TRO FIled with Court at XXXX XXXX XXXXXXXX TRO Signed by Judge XXXX XXXX at XXXX XXXX XXXX Bond Paid in Cash {$2000.00} @ XXXX XXXX ( Within 24 hours ) Looks like they did n't have deed when they started Foreclosure. Only recorded on XXXX which is less than 30 days before foreclosure of XXXX and after they started foreclosure. also the bond has to be placed within 24 hours of the TRO. Not before because we dont know the amount to be set at TRO hearing could be 100-10,000 .dollars. So we are all good on that. Then we have the fact that the Lender is the only one who can file the notice to subsitute trustee not servicer or trustee or anyone only true lender. thats three. What had happened is NationStar illegally foreclosed on XXXX XXXX, XXXX against a judges order and stole our property then in XXXX of XXXX sold the Note to a third party at a private sale this third party evicted us out of property in XXXX XXXX. We are homeless now. Nationstar violated many statues and stole our house and resold it. we never missed any payments all were paid up until XXXX XXXX when XXXX XXXX XXXX refused our monthly payment because of not owning the note but were taking payments acting as servicer.here is the escrow closing # XXXX and Doc # XXXX the MERS # XXXX Through XXXX XXXX XXXX XXXX was never a MERS Member so I dont know how they can register this to the MERS data base. but its in the Deed of Trust. Loan number XXXX XXXX XXXX XXXX XXXX email. XXXXXXXXXXXX I can provide all documents upon request.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-30
Issue: Trouble during payment process
Subissue:
Consumer Complaint: The mortgage arrearage from Nationstar / Mr. Cooper was file by my attorney office in XX/XX/XXXX toXX/XX/XXXX doings that time frame. In XX/XX/XXXX my attorney XXXX XXXX XXXX XXXX XXXX file a petition to add Nationstar mortgage to the Chapter XXXX plan that the reason why the arrearage went from {$2500.00} to {$4200.00} because Nationstar mortgage did n't file the ongoing mortgage payment the trustee office made the payment with out receiving the claim amount. I had my attorney office to contact by telephone 7 times and no arrearage claims was file with the trustee office, Nationstar and their attorney kept saying that they had to change something on the modification per supervisory attorney XXXX XXXX. The modification I did n't give my consent. I contacted the trustee office 5 time asking why Nationstar there no claims file by them. See Attached document will show unfair treatment from Nationstar and their Attorney.
Company Response:
State: TN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-29
Issue: Trouble during payment process
Subissue:
Consumer Complaint: On XX/XX/XXXX, I contacted Mr. Cooper to request a reinstatement figure so that I can make the decision to reinstate the account. I spoke with XXXX and she advised that the request was submitted and i would receive my request within 3-5 business days. On XX/XX/XXXX, i called back since I had not received anything, and XXXX advised that it was actually re-ordered with the Attorney Fees that same day and I would need to wait another 3 days. Again, I called on XX/XX/XXXX since I still had not received anything and XXXX shared the reinstatement amount with me verbally, however requested that I still get it in writing because I wanted to compare to the post petition payments I had been paying on under the Chapter XXXX. I received nothing. Yet again, I called on XX/XX/XXXX and spoke with XXXX, who then informed me that the request had to be submitted in writing and i would need to fax it to a direct fax number in which i did the very same day. As of XX/XX/XXXX Mr. Cooper has confirmed to have received my fax and my verbal request. Today is now XX/XX/XXXX and I still have not received anything. At this point, my account is just accumulating and I just want to be able to get this taken care. I really need your assistance in getting this information. No one there seems to be able to help.
Company Response:
State: CA
Zip: 90043
Submitted Via: Web
Date Sent: 2017-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-29
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I received my account statement for transaction activity period XX/XX/XXXX toXX/XX/XXXX. The ending account balance was XXXX. When I received my account statement for transaction activity period XX/XX/XXXX to XX/XX/XXXX, the beginning account balance was {$14000.00}. A increase of {$3400.00}. I did not do any account advances during this period. The company, when contacted can not explain why my balance increased.
Company Response:
State: IL
Zip: 629XX
Submitted Via: Web
Date Sent: 2017-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-29
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: NATIONSTAR HAS BEEN FOUND GUILTY OF COUNTLESS CRIMINAL ACTS AND THEY HAVE ADMITTED THESE CRIMES WERE COMMITTED ON PAPER AND IN THE CFPB REPLIES. THIS CONFRIMATION OF MULTIPLE ILLEGAL ACTS IS UNDENIABLE AND IRREFUTABLE. WE WILL KEEP THIS COMPLAINT SIMPLE. ****FEDERAL LAW REQUIRES A CORRECTED LOAN PACKET ON THE NATIONSTAR / MR COOPER LOAN FOR XXXX XXXX XXXX XXXX FLORIDA ... BECAUSE LOAN FRAUD WAS FOUND IN INITIAL LOAN DISCLOSURE ... WIND INSURANCE WAS LEFT OFF ALL ESCROW AND LOAN PAPERWORK ... TO MAKE IT APPEAR THE MISLED CONSUMER WAS SAVING MONEY WHEN IN FACT THEY WERE PAYING MORE**** ***THE ATTITUDE, INTENTION OR PERSONAL GOALS OF INDIVIDUAL PERSON COMMITTING THE ACT ARE IRRELEVANT ... INTENTIONAL OR INADVERTANT ... THE LAW IS THE SAME. 30 DAYS TO CORRECT ERROR OR LOAN IS INVALID*** WE ARE REQUESTING THAT THEY PROVIDE THE CORRECTED LOAN PACKET, SIGNED BY ALL PARTIES, OR THEY IMMEDIATELY RESCIND THE LOAN AND CEASE ALL COLLECTION ATTEMPTS PLEASE NOTE THAT NATIONSTAR , XXXX XXXX, XXXX XXXX AND MR COOPER HAVE ALL BEEN AWARE OF THE FEDERAL LAW THEY ARE NOT FOLLOWING AND THEY ARE REFUSING TO COMPLY ***NEW EVIDENCE FOR NATIONSTAR*** YOU REQUESTED NEW EVIDENCE ... HERE IT IS, XXXX XXXX IS GUILTY OF RUNNING A CRIMINAL SCAM XXXX XXXX KNOWS HE HAS SOLD HOMES HE NEVER LEGALLY OWN XXXX XXXX HAS ORCHESTARTED ILLEGAL SALES USING A SCAM KNOWN AS " PORTFOLIO TRANSFER '' NATIONSTAR EMPLOYEES LIE TO CONSUMERS ON THE PHONE AND STEAL MONEY FROM THEM ON A DAILY BASIS THE LAST 2 PAYMENTS I HAVE MADE WERE STOLEN AFTER THE FREP LIED TO ME ON THE PHONE ***YOU HAVE NO CORRECTED LOAN PACKET ... YOU KNOW THIS ... GIVE UP ALREADY AND FOLLOW THE LAW!!! *** A SIDE NOTE FOR NATIONSTAR ... WE CAN EASILY PAY THIS MORTGAGE IF YOU PROVE YOU HAVE A LEGAL LOAN. SINCE YOU CAN NOT ... THE LEGAL OBLIGATION TO PROVE ABILITY TO COLLECT FALLS ON YOU. COMPLY ... NOW!!!
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-30
Issue: Trouble during payment process
Subissue:
Consumer Complaint: This started at the end of XXXX XXXX when I went online to pay my XXXX XXXX payment and Mr. Cooper website would not accept payment ( stating I owed more than my normal payment of {$490.00} ) and continued through the month of XXXX XXXX. I spoke to a XXXX in XXXX XXXX who proceeded to yell at me and threaten to foreclose on me if I did n't pay the full amount due. I requested to speak to a supervisor and was given XXXX who started the process of straightening out the systems handling of insurance as it applies to my account. I pay insurance and taxes separately. I was then transferred to loan specialist XXXX who took the whole month of XXXX XXXX, but was finally able to get all payments posted correctly and acknowledged I was up to date until XXXX XXXX. I got online in XXXX XXXX and it said I owed {$490.00} and that 's what I paid. When I got online in XXXX to make my payment it said {$78000.00}. Two days later XXXX called me and I told her I tried to make my payment and it would n't accept my normal payment of {$490.00}. She stated, are they doing this to you again? She said she 's in a new department ; however she will talk to her supervisor, get this fixed and call me back. I never heard from her and in the meantime every time I got online the amount went up. It now says I owe {$1000.00}. When I called today ( XXXX ) I was told that the payment I made in XXXX was applied to XXXX 's payment. I went online to their website and back dated my payment history for the last two years and I never missed a payment. I 'm not sure how they 're applying my payments. There have been mistakes made in the past with my account regarding my insurance and escrow payments. I 'm confused as to how I can be caught up in XXXX and then told in XXXX I owe for three months. The employees at this organization refuse to listen to anything I have to say. It 's like they have a script in front of them that they read from and are not allowed to say anything else. I recently received a letter in the mail from Mr. Cooper dated XXXX/XXXX/XXXX stating I owed {$1200.00} by XXXX/XXXX/XXXX. I 'm confused to even this amount since online it states as of XXXX/XXXX/XXXX I owe {$1000.00}. Now I am concerned about foreclosure, which does n't seem appropriate as I have n't missed a payment for many years and when I was going to be late it was due to having XXXX XXXX years ago and I called in advance to make payment arrangements.
Company Response:
State: AZ
Zip: 85207
Submitted Via: Web
Date Sent: 2017-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-29
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: Our complaint is against Nation Star mortgage/DBA Mr. Cooper. I paid off my mortgage XX/XX/XXXX and they were to reimburse me {$1100.00}. They sent a check for {$150.00} XX/XX/XXXX which I rejected and sent it back to them with the reason that it was not the amount I was due. They sent a letter from the research department dated XX/XX/XXXX and said they were looking into this matter and I still have not heard back from them. The XXXX XXXX XXXX XXXX of Michigan bought my property be cause they are widening the road where my house was located. they wired money to them XX/XX/XXXX and XX/XX/XXXX and rejected both wire transfers finally XXXX XXXX XXXX XXXX sent them a cashiers check XX/XX/XXXX and it was accepted then, but we have n't been able to resolve the matter of the {$1100.00} that Mr. Cooper still owes me.
Company Response:
State: MI
Zip: 498XX
Submitted Via: Web
Date Sent: 2017-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A