Date Received: 2017-11-16
Issue: Struggling to pay your loan
Subissue:
Consumer Complaint: ***I do not have an attorney ( counsel ) yet and therefore I did not get an answer from complaint XXXX. I filed bankruptcy in XX/XX/XXXX and the attorney if ONLY handling my bankruptcy claim. I 've spoken to my bankruptcy attorney XXXX XXXX and he stated very clearly he has never received and documentation from Nationstar, and he does n't assist me with this matter**** ***Also, I 've been XXXX since XX/XX/XXXX as well ... ... ... ****Since I have not funds, I have also contacted HUD and filed a discrimination complaint as well. Explaining to them, I ca n't get answers as to why I still owe twice as much for a loan since XX/XX/XXXX, which was suppose to be a line of credit loan, which XXXX XXXX now XXXX assured me was all I was qualified for and I only borrowed XXXX at the most in XX/XX/XXXX, and because I was late with a payment, I was told that I could n't borrow again, and the terms of the line of credit was dissolved. My interest payments have averaged over $ 6,000.00+.yearly since XX/XX/XXXX In XX/XX/XXXX, after years of dealing with XXXX XXXX, I was offered a loan that they said was called a revolving credit loan ( line of credit ) up to {$50000.00}. I agreed to it because my credit was poor and I ended up taking it out, borrowing no more that XXXX. Soon after ( several months ) I told that the terms were forfeited because I was late with a payment. For years, XXXX XXXX was loan flipping with me.. Always offering me another loan to pay out the other loan They were always calling me to say, they would pay the other loan out and give me more cash. The interest was 31 % + and they were holding my house title as collateral. They always added credit insurance, document prep. fee, exam fee, credit investigation, origination fee, and so on. I wasnt given a choice to add credit insurance in the event I became sick and eventually XXXX. It was mandated with the smaller loan, but I was never afforded the opportunity to add it to the bigger loan. I feel I was targeted by XXXX XXXX, because I was a XXXX female with bad credit and I did n't know any better. I 've been reading lately on and I 'm so upset that they offered me a line of credit even though I have substantial equity in my home. They would periodically call and prey on me and offering me more money knowing that my credit score was extremely low and in XX/XX/XXXX, they knew my situation of needing money for my childs graduation. For over ten years, I paid just interest on the loan of {$6000.00} plus yearly, never able to decrease the balance. XXXX XXXX, which had changed its name to XXXX informed me in XX/XX/XXXX, that my I had a balance was still {$46000.00}, which they were now selling this loan to Nationstar. Since the transfer to Nationstar, Ive never been able to talk to a person that would give me the same information. They started saying I had escrow, they had all kinds of other charges attached. If I did n't pay the full note, the payment would go into another part of the account. I asked several times, what type of loan it was and was told by several people that it was hard to explain. There was a lot of hidden fees. I 've always paid my own property taxes. I just did n't get any breaks and then Nationstar started having people pass by my house to take pictures. I felt so intimidated and on the verge of a mental breakdown because Nationstar was threatening to take my only possession, my house. Again, I do not have an attorney at present, and once I 've gotten a response from Nationstar, with both this complaint and the one to XXXX, I will figure out my next step. Thanks XXXX XXXX XXXX ( no legal counsel )
Company Response:
State: LA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-15
Issue: Trouble during payment process
Subissue:
Consumer Complaint: ***NATIONSTAR NOW DBA AS MR COOPER HAS NEVER, EVER ADDRESSED THE ISSUES THAT HAVE BEEN BROUGHT UP ... IN ADDITION ... NUMEROUS EMPLOYESS HAVE BROKEN THE LAW COVERING UP NUMEROUS CRIMINAL ACTS THAT ARE SHOCKING AND ILLEGAL TO US ... BUT DAILY PROFIT FOR THESE CRIMINAL XXXX**** TO SUMMARIZE ~ NATIONSTAR CONFIRMED LOAN FRAUD, ESCROW FRAUD, AND MISAPPROPRIATION OF FUNDS. THEIR ANSWER? LIE TO CONSUMER, ADD FEES ILLEGALLY THAT DON ; T EXIST, AND ATTEMPT A FORECLOSURE BEHIND THEIR BACK TO STEAL HOME AND TERRORIZE HELPLESS, UNEDUCATED VICTIMS. ***NATIONSTAR IS TARGETING AND PREYING ON ELDERLY AND MINORITIES*** IN THE MOST RECENT CFPB REPLY, NOT ONLY DID THEY LIE AGAIN, THEY ALSO CHANGED A STORY AND FABRICATED A FLORIDA STATE LAW CHANGE THAT NEVER HAPPENED. XXXX XXXX, CUSTOMER RELATIONS MANAGER, REPEATED FEDERAL LAW TO ME IN XXXX XXXX ... THE LOAN ORIGINATOR HAD 30 DAYS TO PRODUCE A CORRECTED AND SIGNED LOAN DISCLOSURE PACKET ... OR THE LOAN WAS NULL AND VOID AND ANY ATTEMPTS TO COLLECT ARE VIOLATIONS OF FEDERAL LAW. WHILE WE WAITIED FOR THEM TO PRODUCE PAPERWORK WE KNEW DID N'T EXIST ... THE LEGAL TEAM DID THEIR ILLEGAL GAME OF LIE, CHEAT, AND STEAL ... NEVER FOLLOWING ANY OF THE FEDERAL LAWS EITHER. SPECIFIC VIOLATIONS AND WIRE FRAUD ... # 1 ) TAKING PAYMENTS ON THE PHONE, TELLING THE CONSUMER THEY ARE GOING TOWARDS PRINCIPAL AND INTEREST ... AND DIVERTING THEM WITHOUT THE CONSUMERS KNOWLEDGE. # 2 ) TELLING A CONSUMER THAT NO FORECLOSURE IS OCCURRING ON THE PHONE, WHILE A FULL FORECLOSURE IS ACTUALLY OCCURRING AND, WHEN NATIONSTAR DECIDES TO STEAL THE HOME, IT 'S TOO LATE FOR THE AVERAGE CONSUMER AND THEY ARE JUST ANOTHER CORPSE THEY DEVOURED. I HAVE DOCUMENTED THIS ON NUMEROUS OCCASIONS. THIS IS STANDARD OPERATING PROCEDURE. PEOPLE HAVE NO IDEA THEY ARE LOSING A HOME. # 3 ) AFTER FABRICATING FEES OR ADDING FEES LIKE ATTORNEYS THAT ARE NOT SUPPOSED TO BE INVOLVED, THEY STEAL PRINCIPAL, STEAL INTEREST BY STEALING THIS PRINCIPAL, AND KEEP WHAT WOULD BE AN UP T DATE HOMEOWNER IN CONSTANT DELINQUINCY WITH A CONSTANT THREAT OF FORECLOSURE # 4 ) STEALING {$1500.00} FROM A XXXX XXXX ESCROW ACCOUNT WITHIN DAYS OF HER HUSBAND 'S XXXX, MAKING IT APPEAR LIKE SHE CA N'T AFFORD THE HOME. # 5 ) ON THE RECENT RESPONSE, NATIONSTAR / XXXX XXXX ( THEY ARE FULL OF XXXX ... IT FITS ) FABRICATED A FLORIDA LAW CHANGE TO JUSTIFY THE ORIGIAL LOAN FABRICATION. SPECIFICALLY, WIND INSURANCE WAS ALWAYS ON THE HOME, IT WAS ALWAYS IN THE ESCROW, AND IT HAS BEEN MANDATED BY THE LENDER FOR DECADES ... AND THE ONLY PLACE IT DISAPPEARED FROM WAS THE LOAN DISCLOSURE PROCESS. NATIONSTAR/ MR COOPER DEFRAUDED THE CONSUMER FROM THE VERY FIRST MAILER . THEY NEVER COULD HAVE SAVED THEM A DIME AND THE LOAN WAS ALWAYS GOING TO COST THEM MORE MONEY. THE WORST PART??? GOING FROM AN HONEST LOAN SERVICER TO THESE CRIMINAL SCUMBAGS. THE MONEY IS ONLY A SMALL PART OF THE OVERALL LOSS. # 6 ) XXXX XXXX HAD A FULL BLOWN, CERTIFIABLE, NERVOUS BREAKDOWN BECAUSE OF THE DIRECT AND INTENTIONAL CRIMINAL ACTIONS OF XXXX XXXX, XXXX, NATIONSTAR AND NOW MR COOPER, WITH SPECIFIC CRIMINAL ACTS BY XXXX XXXX, XXXX XXXX, XXXX XXXX AND OTHER EMPLOYEES I HAVE DOCUMENTED. # 7 ) XXXX XXXX AND XXXX XXXX DID ATTEMPT TO COMPLY, BUT THE CRIMINAL INTENTIONS OF XXXX XXXX AND THE MISSING PROFIT HE IS HIDING FROM SHAREHOLDERS, MAKES ALL OF THE MONETARY DECISIONS. STATE, LOCAL AND FEDERAL LAW DOES NOT EVEN REGISTER A BLIP ON THEIR RADAR.. NATIONSTAR HAS CONFIRMED LOAN ORIGINATION FRAUD AND THEY HAVE FAILED TO PRODUCE A CORRECTED, SIGNED, LOAN PACKET. THEY HAVE VIOLATED FEDERAL LAW NUMEROUS TIMES, AND IN NUMEORUS WAYS, SINCE THAT TIME. NATIONSTAR/ MR COOPER HAS NEVER DENIED THE VIOLATIONS BUT THEY ALSO CREATED ANOTHER IMAGINARY LAW ON THIS TOPIC .... I CALL IT THE " OOOPS FACTOR LAW ''. ACCORDING TO THESE MENTAL MIDGETS, YOU CAN STEAL WHATEVER YOU WANT, LIE, EMBEZZLE, EXTORT AND TERRORIZE ... AS LONG AS YOU CALL IT AN INADVERTANT ERROR. THIS LAW NEVER EXISTED BUT WE DO HAVE THE REAL ESTATE SETTLEMENT AND PROCEDURES ACT WHICH, SPECIFICALLY, LEAVES ALL OF THE EMOTION OUT. NATIONSTAR / MR. COOPER HAS TO DO ONE THING UNDER RESPA ... SAME THING WE HAVE BEEN WAITING 2 YEARS FOR ... AND THAT IS TO PRODUCE THE CORRECTED, PROPER, SIGNED LOAN PACKET ... AND SIGNED CORRECTION FOR EVERY MISAPPROPRIATION ... WHICH EVERYONE KNOWS DOES N'T EXIST ... BECAUSE NONE OF THIS EXISTS ... THEY NOW HAVE TO STOP ALL COLLECTION EFFORTS AND REFUND ALL PAYMENTS THEY TOOK ILLEGALLY AND KNOWINGLY TOOK IN VIOLATION OF FEDERAL LAW. THE AVERAGE CONSUMER IS UNAWARE OF THE LAW ... I AM NOT THE AVERAGE CONSUMER AND I WANT THEIR XXXX PROSECUTED TO THE FULLEST EXTENT ... WHICH HOPEFULLY INCLUDES PRISON FOR THE COUNTLESS, INTENTIONAL CRIMINAL ACTS OF XXXX XXXX AND THE EXECUTIVE TEAM. IF NATIONSTAR/ MR COOPER FOLLOWS THE LAW ... ALL PROFITS WILL VANISH AND THE STOCK PRICE WILL CRASH .... XXXX XXXX XXXX HOLDING UP A HOUSE OF CARDS ... WITH CRIME ... .. SADLY ... THAT IS THE FACTUAL REPORT THIS WELL TRAINED XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX VETERAN ... HAS TO REPORT TO THE CFPB, SEC AND SHAREHOLDERS. NATIONSTAR IS A FRAUD .... XXXX XXXX KNOWS THIS .... THE SHAREHOLDERS ARE FULLY UNAWARE AND MISLED ... BIG TIME!!! LOOK AT THE CRIME IN THIS ONE ACCOUNT ... THOUSANDS OF DOLLARS STOLEN, OVER AND OVER ... AND A HOME THEFT ALSO THAT WE THANKFULLY AVOIDED ... BUT ONLY BECAUSE I WAS SMART ENOUGH TO COPY THE CFPB.
Company Response:
State: FL
Zip: 34293
Submitted Via: Web
Date Sent: 2017-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-15
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: We have been experiencing extreme hardship, me with an injury that left me XXXX which forced me into early retirement after XXXX yrs as a XXXX XXXX for the XXXX XXXX XXXX, then a XXXX XXXX XXXX XXXX to on/off to date ; my husband 's loss if his job last XXXX XXXX re-employed as of XXXX XXXX ). Thus we applied for a modification through our mortgage company, Nationstar in XXXX of XXXX. In our humble opinion, we received horrible service in our attempt at modification ; scanning in their computer which was never downloaded which held up processing, us constantly scanning, rescanning & faxing docs, talking to people who were rude, totally unprofessional, unknowledgable, being told frequently that part of the mod packet had expired & had to be resubmitted, etc, etc. We were told by one representative that Nationstar demonstrated this common behavior on purpose to gain more interest on the account, XXXX they certainly did. 1 year & a half later this matter has not been resolved ; we never received any response. We refiled in XXXX of XXXX, the new company, XXXX XXXX claims Nationstar sent out a decline in XXXX, XXXX. We NEVER rec ; d it. The company has now become XXXX XXXX, and I must say they are more customer friendly ; however misinformation is still rampant. We contacted HUD in the summer, that representative was no help. He resubmitted another mod & left us hanging with no action on our behalf. After receiving a foreclosure notice at the end of XXXX, we contacted another HUD representative who filed another mod on XXXX/XXXX/XXXX. We were told by the HUD official the the mod was declined for " insufficient processing time '' before the foreclosure, According to my research of federal regs, the consumer has up to 10 days before a foreclosure to file a modification. We contacted XXXX XXXX and relayed the same. At first they continued to refer to the 30 day allowance they had used for the purpose of the decline. Then a XXXX kindly stated she would look into it. We are waiting to hear the outcome, and would greatly appreciate any assistance provided.
Company Response:
State: RI
Zip: 02904
Submitted Via: Web
Date Sent: 2017-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-14
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: The HAMP Loan Modification I applied for in XX/XX/XXXXis yet to be resolved by Nationstar Mortgage before they changed their name to Mr. Cooper. I disputed their claims the last time they tried to foreclose on my house. My dispute then was that Nationstar Mortgage can not stop my HAMP Loan Modification I applied for in XX/XX/XXXX just because according to them the HAMP Modification Program expired in XX/XX/XXXX. If those who applied for the program before XX/XX/XXXX and in XX/XX/XXXX before the program expired in XX/XX/XXXX are still in the program, I am still in the program as well since I applied for the HAMP Loan Modification in XX/XX/XXXX, which is yet to be resolved. Nationstar Mortgage can not unilaterally resolve my HAMP Loan Modification which I applied for in XX/XX/XXXX ; it has to be resolved bilaterally. I was surprised today,XX/XX/XXXX when I received a sale notice from the XXXX XXXX XXXX that my house will be sold at public auction at the entrance of the XXXX County Circuit Court on XX/XX/XXXX. The letter said and I quote Enclosed please find a copy of advertisement of sale as published in XXXX XXXX XXXX -- --. But I could not find a copy of the advertisement for the sale of my house in the letter as claimed by the XXXX XXXX XXXX. Also, I have checked XXXX XXXX XXXX from XX/XX/XXXX through XX/XX/XXXXand I could not find any advertisement of the sale to my house.
Company Response:
State: VA
Zip: 20176
Submitted Via: Web
Date Sent: 2017-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-14
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Immediately after closing our mortgage with XXXX XXXX XXXX, it was sold to a different company called Nationstar Mortgage. My husband and I each send Nationstar Mortgage, which recently changed their name to Mr. Cooper, more than our required payment ever month. My husband is paid bi-weekly and I am paid monthly. We each send a partial payment after each paycheck we receive, and the total monthly payment is always more than required. Every single month Nationstar fails to apply our payments to our account. Instead, they hold the fund in some reserve account that does not apply to our principal or accrued interest. Without fail, we have to call them to correct the mistake. Several times they have sent us letters saying our account is in default for not making payments, when in reality we were ahead of our payment schedule by several months. They also often fail to apply our extra payments to the principal, and instead apply them as regular payments in an attempt to increase the interest owed on the loan. This is a recurring problem with every payment we have made to the company. Reading the review on the XXXX XXXX XXXX website, it seems to be a common complain among other consumers. I feel cheated because I did not choose this company but am now stuck with them as my loan servicer. Is there anything CFPB can do to have my loan transferred to another servicer. I feel the company in changing their name is attempting to escape responsibility for their predatory practices.
Company Response:
State: PA
Zip: 152XX
Submitted Via: Web
Date Sent: 2017-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-14
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I have been working with XXXX XXXX for a loan modification. On Friday XX/XX/XXXX, they advised the all documents were received and the foreclosure sale date was on hold. Today, i received a call from Mr. Cooper to advise that I have a foreclosure sale date scheduled for tomorrow XX/XX/XXXX and they are requesting the exact information that was sent in XX/XX/XXXX and that was confirmed received by them. XXXX with Mr. Cooper, was able to confirm that she has in fact received the documents. She advised that she was going to have the file escalated to let them know they have received the documents and request that the sale date be postponed, but there was no guarantee that the sale date would be stopped. At this point, i just need your assistance as i do not want to lose my home. I am elderly have no where else to go. please help me.
Company Response:
State: CA
Zip: 903XX
Submitted Via: Web
Date Sent: 2017-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-14
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My mortgage switched to nationstar last XX/XX/XXXX from XXXX and now is Mr Cooper. They have my ledger incorrect. I have money missing, and theyre not post my mortgage payments as paid. Ive been trying to close on a refinance for months, as the my new bank is waiting for Mr Cooper to get my payment history corrected. Ive spoke to numerous people without getting anywhere. Ive escalated it to a Manager, whom seemed to not care. He gave me his callback number, I called four times and left a message without a callback. My ledger is still not correct, and I have absolutely NO idea where they have been putting the money Ive paid them monthly. I have copies of personal items, I will share at a later date
Company Response:
State: NY
Zip: 14075
Submitted Via: Web
Date Sent: 2017-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-14
Issue: Trouble during payment process
Subissue:
Consumer Complaint: For more than a year, I am paying my mortgage to Mr. Cooper ( Former XXXX XXXX XXXX ) on time before the 15 of each month, that is the time that I have before getting late fees. I make electronic payments thru XXXX XXXX XXXX online services ( yearly payment statement attached ). On XXXX, I received a statement stating that I did n't pay part of my mortgage and Mr Cooper charged me late fees and the money that I supposedly did n't pay. I made a 3 way call between Nationstar and XXXX XXXX XXXX. My bank rep confirmed that full amount payment was made electronically on time on XXXX/XXXX/XXXX ( money was withdraw from my account ). Nationstar admitted their mistake and returned late fees. On XXXX XXXX, this situation happened again. I spent an hour taking with Mr Cooper rep that did n't believe me and they could n't understand what electronic payment means, stating that Maybe I was using mail service to do it. A XXXX XXXX XXXX confirmed that full payment was made on time the same way, electronically, same address and account number. The problem was solve after that. Now I received a default letter stating that I did n't pay XXXX Mortgage. I contacted XXXX XXXX XXXX that proved that payment was made on time on XXXX/XXXX/XXXX ( All info was verified by Mr cooper rep ). I still being harassed by Mr Cooper, sending letter of " my default ''. I do n't know what is happening with Nationstar ( Mr Cooper ) that keep not registering my payments. This situation is causing me stress and anxiety. I pay on time and I do n't know what to do at this point. Attached you can find my online electronic payments and a letter from my Bank proving that Mr. Cooper received the money on time. This is the 3rd time and I do n't know what to do.
Company Response:
State: NJ
Zip: 07093
Submitted Via: Web
Date Sent: 2017-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-13
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Attempted today, XX/XX/XXXX, to get my mortgage servicer, XXXX XXXX XXXX d/b/a " Mr. Cooper '' to postpone the scheduled foreclosure sale of my home ( XX/XX/XXXX ) in order to begin a loan modification. I was unable to afford any modification prior to today. A modification, according to them, must be requested 37 days before the scheduled sale date of the home. While the servicer is willing to engage in a modification, they are so far refusing to postpone the sale, which is scheduled for Monday, XX/XX/XXXX. I know that, if they postpone the sale for 45 days, that would be enough time to have begun the modification process and make the first trial payment.
Company Response:
State: IL
Zip: 60586
Submitted Via: Web
Date Sent: 2017-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-13
Issue: Trouble during payment process
Subissue:
Consumer Complaint: So this nightmare began when we got a letter from Nation star stating that they are now servicing our loan on behalf of XXXX XXXX ( owner ) and how are loan was in good standing with the amount which was thousands higher then with the previous servicer and it was dated XX/XX/XXXX there were also 2 other notices of transfer one stating XX/XX/XXXXthe other XX/XX/XXXX and we still received our statement from XXXX stating they were still our servicer which was really confusing so after trying to sort it I paid for XX/XX/XXXX and XX/XX/XXXXto Nation star with all there late fees and everything else which did n't seem right but this was just the beginning following shortly after on XX/XX/XXXX 20 days after one of the transfer letters from Nation star that stated our loan was in good standing sent us a notice of lost mitigation options because our payment was 30 days or more past due kind of odd considering we had n't been with them a month so come XX/XX/XXXX I try to pay and I ca n't because it 's trying to force 2 payments because the did n't record XX/XX/XXXXs payment so I was not able to pay and it was never corrected so once again in XX/XX/XXXX the notices of default and mitigation for not being able to pay due to there error plus the fees and our fast growing balance and not getting answers sent a payment but again nothing updated so now after dealing with this for 2 months finally in XX/XX/XXXX got one of the many dedicated loan specialist that were assigned to our case and made an arrangement with them to send 2 payments by the end of the month they said that was fine thank you for letting us know so at the end of the month I sent two cashier 's checks priority I took a picture of checks and tracking number and emailed it to another dedicated loan specialist who was assigned to our account who we spoke with at the end of the month so we keep checking online and once again nothing updated to our account so called them XX/XX/XXXX and they claimed they never received them then a month after me send the cashier 's checks with tracking stated they received them XX/XX/XXXXand them claiming they had n't received them we got them back with the backs stamped for deposit so once again we are now talking with another dedicated specialist XXXX XXXX who could n't answer our questions and she asked us to give her some time because the people she needed to speak with were unavailable so in the intrume we received a letter from a law firm stating they represent XXXX XXXX and requesting payment of XXXX over 10,000 what we owe but also not knowing who any of these people are as there was never written notice or recording of change in beneficiary or trustee, so finally XXXX calls and says that they did n't except payment because I sent 2 separate checks instead of one? That 's why they sent them back so I went from being current on my mortgage until Nation star and between unrecorded payment and losing or returning payments we are now 6 months behind so then XXXX states the are only option is to pay in full with thousands in unexplained fees or to modify with them so on XX/XX/XXXX we received via email even though they supposedly do n't communicate via email a uniform borrower assistance form so while we are in the process of the modification we get a forclosure notice taped to the gate on XX/XX/XXXX so we called XXXX and she said oh do n't worry we will pause it once we get done with the modification and of coarse they did n't and of course they denied it because we could not provide some of the things they wanted so now what well I filled a complaint with the CFPB thinking god I hope someone can help protect us from these people and unfortunately Nation star had a one up again by stating they have have addressed the issue and sent the CFPB documentation that we just did n't pay and comply with there dates and they have done everything perfect lol well as it 's now XX/XX/XXXXand I have had 10 months of fighting for my home I had the chance to find and read everything I ever got from Nation star including the one document that confirms they lied to the CFPB by sending them different documentation on why they did n't except payment which basically stated they told us on XX/XX/XXXXthat the 2 payments were no longer enough and they would provide a new breakdown which I never received so in my digging I found the real notice from Nation star which still was n't 100 percent accurate considering my emails and dates but it does n't confirm them lying to the CFPB and it basically states that I made a payment arrangement with them for 2 payments with the second payment arriving XX/XX/XXXX then it states that I also provide a copy of the certified check and since the account had not been reffered to active forclosure yet the payment would have been accepted how ever they did n't receive the check or the aforementioned check of XXXX untill XX/XX/XXXX then stated on XX/XX/XXXX we returned funds notice explaining that the amount was no longer enough and all collection and foreclosure activity may continue which that was the first time ever seeing anything that stated foreclosure then it states that there records indicate a review for loan modification was initiated XX/XX/XXXX but is delayed due to missing information? Well a couple thing wrong here one the obvious lying to the CFPB 2nd they supposedly sent this notice to me XX/XX/XXXX but then indicating modification XXXX and not sure how the modification could be delayed considering we did n't receive the paperwork till XX/XX/XXXX via email from our specialist XXXX XXXX. That fact is this company has intentionally lied and tried to keep us in mess of confusion while they try and steal my home and we still have no idea who any of these people are the first time anything was recorded in our county recoder office was n't till XX/XX/XXXX assigning XXXX XXXX partners the deed of trust which then leaves a big question of how were these people claiming ownership back in XX/XX/XXXX with no legal right on record and not to mention there is no address or property description on this assignment of deed of trust? I could go on and on but the blatant violations and fraudulent claims is disturbing I have tons of documentation I will attach it 's hard to look though because there are so many controdicting statements. I did send 4 certified RESPA request on XX/XX/XXXX .Thank you for any assistance you can provide.
Company Response:
State: AZ
Zip: 85331
Submitted Via: Web
Date Sent: 2017-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A