Date Received: 2017-11-29
Issue: Trouble during payment process
Subissue:
Consumer Complaint: On XX/XX/XXXX I made a payment to XXXX XXXX. This mortage was then sold to Mr Cooper mortgage company on XX/XX/XXXX. Mr Cooper does not show that I made a payment on XX/XX/XXXX, the payment has not be reflected onto my mortgage balance. I have attached my bank statement showing the payment made as well as a statement from roundpoint mortgage showing that the payment was received. I have reached out to both XXXX XXXX and mr cooper several times over the last two months and have not gotten any response.
Company Response:
State: WA
Zip: 98290
Submitted Via: Web
Date Sent: 2017-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-28
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Last XX/XX/XXXX, I spoke to Nationstar about trying to catch up on late payments. I spoke to XXXX XXXX, our Dedicated Loan Specialist, about this matter. She was supposed to take the payments over the telephone as I was unable to go onto Nationstar 's website and make them from there. I called her in XX/XX/XXXX and made a {$2300.00} mortgage payment. We discussed the next payment being made in XX/XX/XXXX I e-mailed and called her numerous times to let her know I was ready to make another payment. She did n't return any calls or e-mails, much to my dismay. Therefore, we got more behind. XXXX XXXX, our new Dedicated Loan Specialist, called and asked when we could make another payment. I asked if XX/XX/XXXX 's payment was received and she stated it was not. She went onto say it was more important to get caught up and research would be done to find out where and why this payment had n't been posted to our account.
Company Response:
State: TX
Zip: 77093
Submitted Via: Web
Date Sent: 2017-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-28
Issue: Trouble during payment process
Subissue:
Consumer Complaint: On XXXX XXXX, XXXX I received notice from Nationstar Mortgage, LLC dba " Mr Cooper '' that they had sold / transferred my loan to XXXX XXXX XXXX XXXX, XXXX effective XXXX XXXX, XXXX ( 8 business days prior to the transfer ). The notice failed to meet the requirement of " not less than 15 days before the effective date of the transfer, '' as required by 12 CFR Part 1024 Section 3. The transfer of the mortgage was not covered under an exempted scenario as outlined in the statute. I contacted Nationstar dba Mr Cooper multiple times, both via phone and in writing, about delaying the transfer of the servicing of my mortgage as I wanted to explore my consumer rights to not do business with XXXX XXXX as I had previously been a victim of fraud perpetrated by XXXX XXXX employees ( and condoned by XXXX XXXX management ).
Company Response:
State: NY
Zip: 146XX
Submitted Via: Web
Date Sent: 2017-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-28
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I applied for loan modification to get caught up on my mortgage and keep my home. I received the trial agreement in XXXX and sent back the agreement online. I made my payments on time then after I made the last payment, I get a denial letter stating that the company never received my trial agreement letter.
Company Response:
State: AL
Zip: 36695
Submitted Via: Web
Date Sent: 2017-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-28
Issue: Trouble during payment process
Subissue:
Consumer Complaint: mr.cooper provided notice of sale or transfer of loan effective XXXX/XXXX/XXXX, letter was postmarked XXXX/XXXX/XXXX, this is not the the mandated minimum 15 day notice. Letter states they will no longer accept payments after XXXX/XXXX/XXXX. I have not received anything indication how payments are to be sent to alleged new servicer XXXX XXXX XXXX XXXX as of XXXX/XXXX/XXXX. Payment is due on XXXX/XXXX/XXXX and past due on XXXX/XXXX/XXXX. I feel this is a predatory practice to negatively impact my credit rating and reduce chances to refinance with a possible 3rd company.
Company Response:
State: CA
Zip: 94510
Submitted Via: Web
Date Sent: 2017-11-28
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: This complaint is filed by XXXX XXXX XXXX XXXX, to whom Mr Cooper, is suing for foreclosure and demands by service a default judgement without first serving a complaint where it states WHAT IS THE CLAIM AGAINST ME. Your attorney wants to get XXXX from me for work you ordered him to do as your client, and wants to take my house away!!!!!!!!!!!!!!!!!!!! Looks like your attorney who represents mr cooper wants me to pay for fees that your bank should pay and want about XXXX $ for work performed on the loan that you have with the XXXX 's. It looks like he SENT HIPPA protected information about my finances that i sent to your bank upon request, see attached letter, to a post office box that belongs to XXXX XXXX XXXX and XXXX XXXX. I NEVER gave permission for rthis attorney to send non public information about my finances to this people. The XXXX 's are saying they have never been in foodstamps and that they did never apply for a forebearance or modification with you Nationstar/Mr Cooper and that they want the house to go to foreclosure and not be liable for a penny and that they can not pay you anything. they do not have money for an ice cream and that all the cash is tied into their residence, at XXXX XXXX that the money in Florida should not have to do with any money in NM. They are your mortgagors, not related to me in any way. I t looks that XXXX XXXX sent the financial documents I provided to the XXXX 's to their post office box. Well the damage is DONE. you already sent those there without my written consent or oral permission. I am going to have to pursue the matter against XXXX XXXX since he is on top of that SUING me for fees that Mr Cooper should have paid to evaluate my request for assumption and modification. The XXXX 's do not want to cooperate any more because the bank toook toooooo long in approving the modification and assumption/ Did the bank do the bpo appraisal of the house would have found out the property is no more valuable than XXXX if that it is a 3 br 2 bth 2 car garage 1500 sq ft home in a 30yr old neighborhood, dilapidated and XXXX XXXX , my mother, a senior rehab the house for living since it need roof, floor ac heater windows, water heater, etc WE bought the house in XX/XX/XXXX as a land contract and got title insurance. The mortgagors XXXX 's failed to keep the mortgage balance up to date. the payments sent until XX/XX/XXXX and some you seized as bank, Mr Cooper bank got them were received and cashed, the rest are missing I was told We want to assume a market value loan on the house since we have already XXXX in repairs into it, and need to be paid back along with the XXXX in cash payments since XX/XX/XXXX plus the deposit. According to the SAFE act provisions that also include residential dweling land contracts, if the seller the XXXX 's have sold either as a corporation ( XXXX XXXX and XXXX XXXX XXXX as registered in Florida ) or as individuals ( XXXX XXXX and XXXX XXXX ) have flipped more than 3 properties, in ayear, which they did in XX/XX/XXXX, the REC stands to no recall and no ballon. As such it is active. The mortgage failed due to the neglect of the seller to keep up to date, yet the seller, mortgagor I learned have flipped properties to amass around XXXX of cash that was put in a ( subject to full control and veil piercing ) XXXX that bought the XXXX XXXX property that the mortgagor lives in, and then the XXXX gifted that title to the two XXXX directors. XXXX and XXXX. Where this is relevant is because there is not enough money to keep the mortgage currrent in the possession of the escrow company and not enough money came back to NM from Florida. so the property is in NM, the money may be converted into land in florida. Again, the money here belongs to XXXX XXXX who is not in the mortgage and is social security funds that are protected by an act in NM that protects XXXX and older persons and social security funds from financial abuse by bank and entitites. As such, those will be protected to the fullest extent in NM by the latest Governor 's Act. The property does not seem to be claim homestead in Florida where the XXXX 's live and I do not think they have a loan in it or not for more than XXXX and their home is worth XXXX according to XXXX. The XXXX 's your mortgagors are NOT going to sell in Florida a superior property to pay you back what they owe you. They want it to go to foreclosure so they do not have to pay you back, Mr Cooper I paid I repaired the home, I am willing to work with the bank, and assume a loan that is commensurate with the market value of the home and current rate. In the event we can not work out a loan modification, we demand credit for the repairs and all the money back of the social security funds and down payment due to fraud in the contract if there is no workout. That puts a XXXX lien on the property, for social security funds incorrectly intercepted for loan payments for the XXXX 's, which is more than the cash value of this home today. I realize the bank may have more money on the. house than the house is worth, however, that is something that should be addressed with the XXXX 's as they did not fulfill their side of the contract, ( REC land contract ) as they were represented by counsel who coincidentally is the drafter of the contract, and withdrew representation in court this past XX/XX/XXXX, but was representing them for all this years where neither XXXX nor I, had privity of your mortgage balance and any defaults thereof We were relying on the offer of modification AND assumption that was extended to us. My mother helped me since I was unable to work and XXXX and care for XXXX children on welfare. Payments were made in hope to get a estimate on the modification/assumption and those need to be returned, we are talking about years in payments, jsut from Mr Cooper, let alone XXXX XXXX XXXX. The house is not worth more than XXXX. and Mr Cooper according to the response I attach, wants their debt to be paid current and the balance is XXXX or so since I just got information from Mr Cooper that neither XXXX nor XXXX knew before CFPB was involved. The house will NOT appraise for XXXX. Does the bank have a BPO or value that XXXX deems that house is worth XXXX, loan that Mr Cooper demands to keep current to do an " assumption ''?. I was told no more than XXXX Is Mr Cooper wanting to get paid 160 % of the appraised value of the home in order to fulfill their promise of assumption? Or they are talking about a reasonable option besides getting much less at the court steps XXXX or so by some investor who will then push the family to the street for profit and then flip it for what this family is wanting to pay by the assumption MODIFICATION. WHAT WE ARE ASKING IS TO GIVE US A PRICE OF THE HOUSE THAT IS CONMENSURATE WITH A LOAN ASSUMPTION/MODIFICATION FOR CURRENT VALUE IT appears that the XXXX 's have modified or forebear the loan making it over the amount that the REC shows as the wrapped mortgage, in that case, the real debtor of the money you are chasing who needs to have a 1099 are the XXXX 's. I have no information as to what happened with the XXXX XXXX XXXX loan that was supposed to be a payment of XXXX a month, according to Mr Cooper the payment is XXXX a month, that is not what the contract we have, the land contract says, in that case there is FRAUD somewhere, My mother is due over XXXX in repairs, deposits, payments if the contract was fraudulent, and Mr Cooper can not get paid from XXXX 's social security funds, and recouperate 160 % of what the house is worth, can you provide a current value of the home? Part of that money is in possession of Mr Cooper, part of the money is in possession of the XXXX 's and part is at XXXX XXXX. my mother XXXX is a senior and her social security funds should not be part of your profit/loss for her to have a negative amortization Since XX/XX/XXXX all XXXX XXXX 's money in savings with the trust, is MORE than the house is worth, can you work out a equitable fair agreement that is commensurate to market value for a workout? Any 1099 or lawsuit for deficiency should be on the XXXX 's and it may sit on their paid off home in florida forever ... as their responsibility. The mortgagor 's address is a matter of court record, in XXXX XXXX florida, if the mortgagors had money to flip properties, condos in florida, how come they neglected their obligation to pay the mortgage, I can not tell if there is conversion of funds, but I do not want to think you rather recover from a senior in NM that is not part of the loan, and demand she pays XXXX to make the loan current for a property valued at XXXX RATHER than getting the money from the debtor in Florida. Is it that FL has tougher homestead exceptions and protections than NM. Well, NM has an act protecting from economical abuse for seniors and XXXX especially dealing with social security funds, Please understand that there is no malpheasance in our part. The disconnect maybe that the attention of your mortgagors was on flipping houses cash in XX/XX/XXXX and ongoing rather than keeping up with the debt. I thought they were destitute and that is what it was purported to me so I paid all closing costs, all of it, and found out they bought a condo cash in Florida or several of them. Honor the assumption/modification offer as stated 2 years ago. That includes a market reserach/bpo/appraisal mls etc on the real market value of the home, ddeduct or give credit for the remodelling to XXXX XXXX since the delaipidated home would not have been worth XXXX. As such it will be better maybe XXXX I am guessing, Give the 1099 to the poeple who caused the problem, the mortgagors, and workout a modification with XXXX so you can get paid what you the bank would get otherwise as a foreclosure, flip investment property In fact selling to a homeowner, my kids and I with the help of my mother, would be a better option for the neighborhood, will keep the investment on remodelling etc out of court and in the house of the people who remodelled the house. And the bank will get paid more than selling in the courtsteps. Give us a proposal of modification AND assumption. You are not going to get SQUAT from the XXXX 's they put all their cash in the present home, all XXXX of it and the property is worth more than XXXX they are not going to sell their XXXX XXXX residence to pay you, the put a small lien of XXXX, and you are not going to succeed in recovering the funds without an order to sell that land in FL Selling XXXX will not make your loan whole either.
Company Response:
State: NM
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: 2017-11-28
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: This if my fifth complaint regarding inaccurate information being reported by Nationstar Mortgage, LLC with regards to my VA mortgage loan. This is my fifth complaint with regards of getting my credit report errors resolved as well attached copy of reporting by Nationstar Mortgage, LLC regarding my VA mortgage loan. I was in contact with both my personal bank, XXXX XXXX bank and XXXX bank I am attempting to work with regarding selling my home to a potential buyer. I was in contact with both banks mortgage department, loan office and underwriter. I was told that a forbearance plan works the same for any bank. Unless is it with regards to a disaster, hurricane, in which they would not have to report anything to the credit bureaus. However, I was told by both banks that they still have to report normal mortgage payments to the credit bureaus, even during the forbearance period. They also stated that yes, your current mortgage holder will reflect payments being late, whichever amount of time you are currently late on, to the credit bureaus. However, since this forbearance agreement is not related to a disaster, hurricane, all banks must still report normal mortgage payments being made. I am now in a situation where I have a potential buyer on hold due to as XXXX mortgage stated after looking at my credit report. Nationstar Mortgage, LLC must first fix the errors on your credit report, reflecting all payments being made that were made that reflect on the current paper trail I have in procession sent by Nationstar Mortgage, LLC to me, the consumer. I am attaching a copy of my credit report from Experian. It clearly shows that Nationstar Mortgage is showing late payments reflecting the forbearance loan currently in process. However, they also show a payment of {$960.00}, regularly scheduled payment as shown on the report for XXXX XXXX. The payment on the check was for {$960.00} which shows the continued incorrect reporting by Nationstar Mortgage, LLC. Also noted on report clearly shows payment was received on XXXX XXXX, but no amount reported. Nationstar Mortgage, LLC states it takes 60 days to start reporting payments, once they took the account over in XXXX XXXX. Which means XXXX XXXX payment should had been posted and reported no later than XXXX XXXX. I am also requesting a 'CORRECT ' remaining balance currently on my VA mortgage loan. All three credit bureaus show 3 different balances. This makes selling my home impossible until Nationstar Mortgage, LLC fixes the errors on my credit report. Lastly, on this fifth complaint, I am requesting that my FICO score gets reinstated. I was told by both XXXX XXXX Bank and XXXX Bank mortgage department that there is no reason your current VA loan mortgage holder should had not already fixed the errors and corrected the necessary payments that should had already been reported. Until it is fixed on my credit report, they can not properly match the paper trail that is being left by Nationstar Mortgage, LLC. A paper trail that clearly shows payments that are being made on my VA mortgage loan. Payment history should reflect XXXX, XXXX and XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX as being paid. I have copies of those cashed checks by my personal bank. The months that should show reported past due are as follows : XXXX, XXXX and XXXX XXXX. I have already paid on my forbearance plan long enough that it should show XXXX XXXX now paid in full.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IN
Zip: 470XX
Submitted Via: Web
Date Sent: 2017-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-28
Issue: Trouble during payment process
Subissue:
Consumer Complaint: XX/XX/XXXX just happened to occur on a Sunday. Herein begins my saga. I use XXXX web bill pay to pay my mortgage which I obtained through XXXX and which is now serviced by Nationstar. The payment was sent early because the XX/XX/XXXX was on the weekend, so on the XX/XX/XXXX when Nationstar received my payment, it was applied to principal, not the contractual payment. When I received the late notice onXX/XX/XXXX, I called immediately to try to figure out what happened. I was told two things : My early payment was applied to principal but that they could reverse the payment and apply it to the contractual payment ; second, my payment was about {$40.00} short because my escrow had increased and it increased my mortgage payment. I was also specifically told that they do n't send a negative report unless its over {$100.00} short. However, come XX/XX/XXXX, the payment I made on XX/XX/XXXX again was n't applied and the additional payments that I sent do n't reflect on my statement. I have called twice in the last week only to have the exact same conversations. Each time, I am told that the request to apply my payment to the contractual payment has been made and that it should reflect within 24 hours. To date, they still can not figure out where the additional {$91.00} in payments have been applied. I am beyond frustrated, there appears to be no end to the phone calls, no solution in sight, no hope of actually figuring out where my money has gone.
Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers
State: MD
Zip: 20705
Submitted Via: Web
Date Sent: 2017-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-27
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I received a letter from " Mr. Cooper '', a Nationstar Mortgage company, on XX/XX/XXXX indicating my mortgage is being sold to a new servicer, XXXX XXXX. The letter is dated XX/XX/XXXX with a postmark on the envelope of XX/XX/XXXX. The letter states that the new servicer will become effective on XX/XX/XXXX, but also indicates that the law requires the existing servicer to send the notification at least 15 days in advance of the effective date. Based on the postmark, I do n't believe the letter was sent in accordance with the law. The letter was sent 13 days prior to the effective date of the new servicer rather than the 15 days required by law. The representative of Mr. Cooper stated there was nothing I could do and that the loan was sold. She expressed regret and tried to explain that the postmark did n't reflect the actual date of when the notice was mailed. However, unless there 's new rules for tracking mail, this explanation does n't make sense. I do n't want the loan to be sold to XXXX XXXX given their track record of data breaches and opening false accounts on behalf of their customers.
Company Response:
State: VA
Zip: 23112
Submitted Via: Web
Date Sent: 2017-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-27
Issue: Trouble during payment process
Subissue:
Consumer Complaint: On are about XX/XX/XXXX, I requested through my attorney to add Nationstar Mortgage to my bankruptcy chapter XXXX plan. It took Nationstar mortgage two more month to file a claim for the principal monthly amount. from XX/XX/XXXX to XX/XX/XXXX three different amount of arrear was file. One claim of {$340.00} in XX/XX/XXXX, was file and than in XX/XX/XXXX another claim in the amount of XXXX. Can you modify escrow and not principal.
Company Response:
State: TN
Zip: 38115
Submitted Via: Web
Date Sent: 2017-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A