Date Received: 2017-11-13
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: I have asked Nationstar Mortgage XXXX XXXX XXXX XXXX XXXX, XXXX, TX, XXXX ) to provide me with document to show me how did they lose {$22000.00}. What i mean is document shows itemization. i have contacted them twice and each time they promise someone will call me.
Company Response:
State: CA
Zip: 92879
Submitted Via: Web
Date Sent: 2017-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-12
Issue: Trouble during payment process
Subissue:
Consumer Complaint: In XX/XX/XXXX, I opened a mortgage with XXXX XXXX XXXX for {$100000.00}. My monthly payment including taxes ( $ XXXX/yr ) and insurance ( $ XXXX/yr ) was XXXX per month. That payment remained the same from XX/XX/XXXX through XX/XX/XXXX. In early XX/XX/XXXX, the mortgage was sold to Mr. Cooper mortgage. When I received my payment information from Mr. Cooper, it had gone up by $ XXXX/month to $ XXXX/month! I called Mr. Cooper to discuss this and was told that my account was behind in escrow because my property taxes had gone significantly. However, I went to the county to talk to the tax assessor and was told that the property taxes only went up $ XXXX/yr. At this point, Mr. Cooper is saying that my monthly principle + interest is about $ XXXX/mth and my escrow is $ XXXX/month. There is no possible way that I should be paying {$6000.00} per year in escrow. If my escrow account was behind, then XXXX XXXX would have told me that at the end of XX/XX/XXXX, or at the end of XX/XX/XXXX. That never happened. Instead, Mr. Cooper must be trying to skim money off the top of my mortgage.
Company Response:
State: MI
Zip: 48178
Submitted Via: Web
Date Sent: 2017-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-10
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Unwanted calls from Nationstar Mortgage- Call with no one on the line. from XX/XX/2017-XX/XX/2017 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is just one of the numbers that have no one on the line. Now Nationstar has sold to Mr Cooper and I am still getting calls.
Company Response:
State: CT
Zip: 064XX
Submitted Via: Web
Date Sent: 2017-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-10
Issue: Trouble during payment process
Subissue:
Consumer Complaint: NATIONSTAR CHANGED IT 'S NAME TO MR. COOPER BUT IT 'S STILL A SCAM AND A FRAUD DISGUISED AS A LEGITIMATE COMPANY. THEY HAVE CONTINUED THEIR SYSTEMATIC LOAN FRAUD, WIRE FRAUD, EXMBEZZLEMENT, AND MISAPPROPRIATION OF FUNDS ... WHILE LYING TO CONSUMERS, ADDING RANDOM, ILLEGAL FEES, COLLECTING ILLEGAL FEES WITHOUT SELLER 'S KNOWLEDGE BY STEALING PRINCIPAL WITHOUT APPLYING IT TO LOAN, LYING TO CONSUMERS ABOUT LEGAL PROCEEDINGS, WHILE ALSO ENGAGING IN US MAIL FRAUD AND SYSTEMATIC, INTENTIONAL, ORGANIZED, PROGRAMMED CRIMINAL THEFT THAT I BELIEVE IS PROSECUTABLE UNDER RICOH LAWS. INDIVIDUAL CRIMES HAVE BEEN DOCUMENTED BY XXXX XXXX, XXXX XXXX, XXXX XXXX, AND NUMEROUS OTHER EMPLOYEES UNDER THE CORRUPT, DISGUSTING, VILE LEADERSHIP OF XXXX XXXX, WHO SHOULD BE REMOVED IMMEDIATELY AS CEO BEFORE ALL VAULE IS LOST IN THIS SCAM HE IS HIDING USING CRIME TO COVER MISSING INCOME. ATTACHED IS THE WRITTEN CORRESPONDANCE FROM XX/XX/XXXX FROM XXXX XXXX CONFIRMING HE LIED ON THE PHONE ABOUT A FORECLOSURE THEY WERE DOING BEHIND OUR BACKS. XXXX XXXX AND THE LEGAL TEAM ALSO STOPPED ALL STATEMENTS IN THE MAIL, AS PART OF AN INTENTIONAL ORGANIZED HOME THEFT TO MAKE YET ANOTHER ELDERLY, UNEDUCATED WIDOW, A HOMELESS VICTIM. XXXX XXXX KNEW IN XX/XX/XXXX THAT THE LOAN # XXXX WAS A FRAUD AND WAS NEITHER PROPERLY DISCLOSED UPON LOAN ORIGINATION NOR WAS IT CORRECTED AS REQUIRED BY LAW. HE ALSO TOLD US THEY WOULD PROVIDE PROPER DOCUMENTATION OR CANCEL THE LOAN. I KNEW THIS LOAN WAS A FRAUD, THIS WAS FIRST EXEC TO CONFIRM LAWS AND OUR RIGHTS, SO THIS IS STARTING POINT IN OUR LEGAL RECOURSE. UP TO XX/XX/XXXX, LOWER LEVEL EMPLOYEES WERE INVOLVED. XXXX XXXX WAS THE FIRST PERSON TO EXPOSE HIGH LEVEL CRIME, BUT NOT THE LAST. AS OF TODAY, XX/XX/XXXX, WE HAVE NEVER RECEIVED A PROPER STATEMENT, WE HAVE HAD PRINCIPAL STOLEN REPEATEDLY WITHOUT CREDIT, AND I HAVE TRAPPED THEM BY EXPOSING THEIR COMPUTER FRAUD THAT IS THE REAL MASTERMIND IN THEIR CRIMINAL GAME. TODAY XXXX XXXX ASKED ME WHAT I WANTED DONE WITH MY ACCOUNT AFTER YET ANOTHER EMPLOYEE LIED, TOLD ME THEY WERE COLLECTING PAYMENTS, AND STOLE MY MONEY AGAIN. SHE ASKED IF I WANTED IT REVERSED ... I REPLIED THAT I DO N'T WANT IT STOLEN IN THE FIRST PLACE, YOU ARE TAKING MONEY AND INTEREST BY HOLDING ILLEGALLY AND MISAPPLYING IT, AND SHE WOULD NOT AGREE. SHE SAID, HOWEVER, THAT HER COMPUTER IS ALLOWED TO MAKE MISTAKES ALL DAY LONG FOR MILLIONS OF DOLLARS, AND IT 'S PERFECTLY LEGAL. I ASKED OVER AND OVER ... " IS IT LEGAL TO MISAPPLY FUNDS IN REAL ESTATE ... EVER??? '' ... AND SHE WAS TRAINED BY XXXX XXXX NOT TO ANSWER A SIMPLE LEGAL QUESTION EVERYONE SHOULD KNOW, ESPECIALLY A MEMBER OF THE EXECUTIVE TEAM. ALSO ATTACHED ARE THE RECENT MONTHLY STATEMENTS. THEY STILL CONTAIN THE FEES FOR THE FORECLOSURE THAT WAS SUPPOSED TO HAVE NEVER HAPPENED BUT DID, NOT BY ACCIDENT, BUT BECAUSE THEY ARE NEVER HONEST. IT ALSO SHOWS YET ANOTHER THEFT OF FUNDS PROVEN IN WRITING. I VERBALLY CONFIRMED " AM I PAYING XXXX, XXXX AND XXXX? '' AND THEY SAID " YES '' AND CONFIRMED AMOUNT WITH ME. I WAS VERY CLEAR BECAUSE I KNEW WHAT WOULD HAPPEN, AND FOR THE SECOND CONSECUTIVE TIME, THEIR COMPUTER STOLE {$1000.00} FROM ME, A TOTAL OF {$2000.00}, BREAKING THE {$500.00} THRESHOLD FOR AM INTENTONAL FEDERAL CRIME AND FBI CORRECTION. THEY ARE NOT PROFITABLE. THEY ARE CRIMINAL. I ALSO REQUESTED INFORMATION ON THE LEGAL TEAM HANDLING MY ACCOUNT TO REPORT TO THE TEXAS XXXX XXXX FOR FALSE AND ILLEGAL BILLING AND COUNTLESS ILLEGAL ACTS LIKE RESELLING REAL ESTATE THEY NEVER OWNED BUT I WAS TOLD I CAN NOT GET THAT INFORMATION. THEIR LEGAL TEAM IS XXXX XXXX APPARENTLY ... HIDDEN ON A DEATH STAR FAR FAR AWAY ... AND WE CAN ONLY SUMMON THEIR DARKNESS ... NOT THEIR PRESENCE. I ALSO REQUESTED TO KNOW WHY EVERY PAYMENT IS MISAPPROPRIATED AND EVERY MONTHLY STATEMENT IS WRONG, FRAUDULENT AND ILLEGAL AND I WAS TOLD THEY COULD NOT ANSWER THE QUESTION, ONLY CORRECT ERRORS AFTER THE FACT WITHOUT PROPER CREDIT OF STOLEN PRINCIPAL AND ILLEGAL INTEREST ADDED FROM STOLEN PREPAID PRINCIPAL. THIS IS HUGE, HOLDING THE PRINCIPAL FOR 30, 60 OR 90 DAYS CREATES INTEREST CHARGES ILLEGALLY ... AND THEY KNOW THIS. THEY SKIM EVERYWHERE AND DIP THE NET AND SCOOP HOMES WHEN THEY CAN. I ASKED XXXX XXXX WHY SHE LIED TO ME IN XX/XX/XXXX AND HER EMPLOYEE LIED IN XX/XX/XXXX ON THE PHONE ABOUT PAYMENTS. XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX WAS PAID AND CONFRIMED VERBALLY BUT THEY STOLE XXXX AND POCKETED IT AFTER SAYING IT WAS PAID VERBALLY ... XXXX, XXXX, XXXX ... SAME EXACT THING BUT THEY STOLE XXXX THIS TIME. THAT IS {$2000.00} STOLEN IN PAST 90 DAYS FROM ONE ACCOUNT. NATIONSTAR MANAGES THOUSANDS AND THOUSANDS OF ACCOUNTS SO THEY ARE STEALING MILLIONS AND MILLIONS FROM CONSUMERS EVERY MONTH. HOW DO I KNOW???? THEY HAVE NO DESIRE, GUILT OR OBLIGATION TO CORRECT A SYSTEM THAT INTENTIONALLY STEALS. THEY NOT ONLY DO N'T FIND MISAPPROPRIATION OF FUNDS ILLEGAL, THEY EMBRACE IT AS PART OF THEIR CORPORATE PROFIT STRUCTURE AND ACCEPT THEFT AS A DAILY ACT AS NORMAL AND LEGAL. XXXX XXXX ENDORSED IT. I HAVE CONFIRMED THIS. THIS COMPUTER FRAUD, THE ELECTRONIC MASTERMIND, IS AUTHORIZED BY XXXX XXXX, THE CEO, TO COVER FOR THE FACT THAT HIS COMPANY IS NO LONGER PROFITABLE NOW THAT THE FORECLOSURE CRISIS I OVER. THEIR COMFORT WITH CRIME IS TERRIFYING AND EVERY ACT IS SYSTEMATIC. XXXX XXXX AND XXXX XXXX REMINDS ME OF XXXX XXXX AND AND HIS GROUP, ABOVE THE LAW ... FOR NOW ... BUT NOT FOREVER. THIS IS HIGH LEVEL CRIME AND IT IS OUT IN THE OPEN FOR ANYONE TO FIND, AND I WILL ENJOY THE FALL OF THE GUILTY AFTER THE PAIN THEY HAVE CAUSED OTHERS WITHOUT REMORSE
Company Response:
State: FL
Zip: 34293
Submitted Via: Web
Date Sent: 2017-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-10
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Please refer back to my original complaint only 45 days ago # XXXX The complaint filed - and apparently I need to now REFILE - is that Nationstar, dba XXXX XXXX in fact did respond ... ..tritely, no thinking or real review put into it - and overlooked the primary fact that they INCREASED my principal mortgage balance by over {$200000.00}. Nationstar was not the original servicer of this loan in XXXX - XXXX time frame while I was working with the original Bank - XXXX SAVINGS Bank to modify the mortgage on the basis that the ENTIRE country was in financial crisis and housing was hit hard. I lost my job and yet worked with them for OVER 2 years to provide documentation over and over and over again XXXX XXXX XXXX - and they would lose it. Why? They went bankrupt and insolvement absolving themselves of all debt. The loan was sold to Nationstar in XXXX - and shortly thereafter with NEW paperwork again, the loan was modified. However, here is my issue - the mortgage payments for interest being accrued on the {$1.00} XXXX mortgage loan balance - they simply 'tacked ' onto the mortgage loan creating and inflating the loan to {$1.00} XXXX - at 4 % - which actually RAISED my payments. I had NO CHOICE because after 2.5 years this had to end. However, I was given NO negotiation or forgiveness of what CLEARLY was a hardship and one that they chose to simply ignore AND CAPITALIZE on. They changed my rate back to 6.625 % last year and therefore - over the past several years they have PROFITED GROSSLY AND EXCEEDED THE INTEREST DEFICIT OF $ XXXX ( {$190000.00} ) IN 'missed interest ' accrual from XXXX - XXXX. I was PROHIBITED FROM MAKING PAYMENTS during that time - which is overlooked. Additionally, I have owned this home for 13 years ... ..the balance has GONE up by over {$200000.00} and the differential in them 'assessing ' the last several years of interest ( 5 years ) - on the additional {$200000.00} they tacked onto the loan principal - has made them SIGNIFICANTLY more than the {$190000.00} - NOR did I have a choice to even discuss or negotiate that. I could have paid an additional {$2000.00} per month for over 1 year ( 4 years ago XXXX - and that interest would be paid in full. Now, they have benefited from the INFLATED INTEREST ACCRUAL - AND I own $ XXXX MORE than what I borrowed - all for being someone who meets her obligations - did not default - and met terms of a 'modification ' that most people would not have been able to handle. The purpose of modifications is to HELP mitigate unusual circumstances to retain the home and work with the homeowner. NONE of that happened, and here I sit 14 years later with a home that is valued around {$900000.00} and I owe {>= $1,000,000} on a first mortgage, that was originally {$1.00} XXXX. The payments just were ADJUSTED UP ANOTHER {$1800.00} to account for the 10 year adjustment - and amortized for 20 years. Once again, the tacking on of this $ XXXX additional principal to my loan 5 years ago - is Usurous and reprehensible. They have made a fortune off of the interest accrual AND NEVER even gave me a break on anything. They simply respond as normal through legal departments - sorry for some standard frustration, but, we are doing nothing and we are right. They are wrong in the way they gave me NO RELIEF, XXXX CONSIDERATION for the 2.5 years of agony and refusal of mortgage payments - now taking the ONLY choice they gave me and ADDED and COMPOUNDED INTEREST on an additional $ XXXX for the past 5 years ... ... ... ... ... .and the balance is the same. They can not and should be made accountable to this and reduce and remove that massive $ XXXX principal add on as THEIR INTEREST not paid during the 'XXXX XXXX - then eventual sale to Nationstar XXXX - has MORE than been paid and compensated to them on the sheer basis of the PRINCIPAL LOAN INCREASE and the compounded interest they have charged. That is double dipping at best. They just adjusted my loan to the 20 year amortization for the term, which is fine, BUT the rate is wrong, yield + margin 2.25 % per documents and the libor yield at the time would have resulted in a rate of 3.625 % - not 4 % - there is no documentation I can see to show their calculation and basis for that rate. I WILL NEVER GET out of this loan OR SATISFY THE LOAN if they choose to absolutely continue to take advantage of me ... .it 's pure insanity and there is no one at any bank in any kind of servicing department who, A - answers the phone, and B- has any authority or common sense to really look into exactly what happened and their exposure and eggregious capitalizing in fact that has been done. Please look into this I do NOT WANT TO STOP THE COMPLAINT RATHER CONTINUE TO MOVE FORWARD ON ANY AND ALL ACTION NECESSARY. thank you
Company Response:
State: MD
Zip: 21403
Submitted Via: Web
Date Sent: 2017-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-10
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Working with servicer, XXXX, to modify XXXX XXXX XXXX XXXX loan. Their reinstatement notice states that payments were not received between XXXX XXXX and XXXX XXXX, which is erroneously reflected in the modification principle balance of {$140000.00}. However, USPS records show that all payments were received and signed for and bank records reveal that four of the six payments received were deposited by Nationstar. Nationstar failed to credit the payments received below as of the date of receipt : Nationstar records state unpaid balance of {$1200.00} for XXXX/XXXX/XXXX. o Per bank records, Nationstar deposited payment of {$1200.00} in XXXX XXXX account on XXXX/XXXX/XXXX. Nationstar records state unpaid balance of {$1200.00} for XXXX/XXXX/XXXX. o USPS Certified Mail confirms payment was received by XXXX XXXX on XXXX XXXX, XXXX. Payment has neither been deposited nor returned. Nationstar records state unpaid balance of {$1200.00} for XXXX/XXXX/XXXX. o USPS Certified Mail confirms payment was received on XXXX XXXX, XXXX. Payment has neither been deposited nor returned. Nationstar records state unpaid balance of {$1200.00} for XXXX/XXXX/XXXX. o Per bank records, Nationstar deposited payment of {$1200.00} in XXXX XXXX account on XXXX XXXX, XXXX. This was a Temporary Payment Program ( TPP ) payment as outlined in Nationstars TPP offer dated XXXX/XXXX/XXXX. Nationstar records state unpaid balance of {$1200.00} for XXXX/XXXX/XXXX. o Per bank records, Nationstar deposited payment of {$1000.00} in XXXX XXXX account on XXXX XXXX, XXXX. This was a TPP payment as outlined in Nationstars TPP offer dated XXXX/XXXX/XXXX. Nationstar records state unpaid balance of {$1200.00} for XXXX/XXXX/XXXX. o Per bank records, Nationstar deposited payment of {$1000.00} in XXXX XXXX account on XXXX XXXX, XXXX. This was a TPP payment as outlined in Nationstars TPP offer dated XXXX/XXXX/XXXX As of date of reinstatement letter, another payment of {$1200.00} was remitted on XXXX XXXX, XXXX. Of the 7 payments submitted over the past 7 months, all 7 have been received and 4 have been deposited and it is anticipated that the XXXX payment will be also deposited. Accordingly, the principle balance should reflect aforementioned payments before continuing with executing modification.
Company Response:
State: FL
Zip: 33771
Submitted Via: Web
Date Sent: 2017-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-09
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I have a XXXX XXXX loan. I am XXXX and on a fixed income. I applied for a loan modification with my lender Nationstar currently known as XXXX XXXX, and I was denied at first, then I went thru XXXX, and my modification was accepted. I did my 3 trial modification payments and received my final documents from XXXX XXXX. They added 19 years to my loan. I got my loan in XXXX. With all the late fees they say I am behind on my loan by XXXX. My principal balance went from {$160000.00} to {$190000.00} + {$5900.00} was deferred to the end of the loan. The loan went from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX, 19 years added, no late fees deducted, and a balloon payment at the end of XXXX. I feel like XXXX XXXX is doing predatory lending.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-09
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I received my Annual Escrow Account Disclosure Statement on XXXX/XXXX/XXXX. Included with it was a check for {$640.00} for overpayment on my escrow account. Initially, I was very happy to get that, considering it " found money ''. After more careful examination of the statement, I realized that Nationstar Mortgage XXXX now XXXX XXXX XXXX XXXX was estimating my Real Estate tax to be {$1700.00}, which is HALF of the yearly amount. Because of this, they grossly underestimated their anticipated annual disbursement for XXXX, and not only refunded money to me, but calculated my monthly mortgage payment to be {$140.00} lower every month going forward. I called XXXX XXXX to find out how they arrived at this deflated tax amount, and the agent could n't tell me. He stated that the last disbursement they made to my town was {$870.00}, I pressed him and said " that was a quarterly payment, right '', to which he agreed. And then I asked " Well, would n't it stand to reason that my YEARLY taxes would be FOUR times that amount?? Taxes do n't go down, they go up ''. I asked him what my previous year taxes were, and he confirmed they were over {$3400.00}. He then suggested that the escrow department would revisit the issue when the next tax bill came out. I said, " well, in the meantime, you want me to send you {$150.00} less each month, on top of you reimbursing me {$650.00}?? Do you know how much of a shortfall that is going to end up being??? '' He then suggested that when I make my payment each month, which I told HIM was going to be the same amount I had been already sending, that I call in and tell them to direct the extra amount to my escrow account until my escrow account was recalculated. So, I will be sending that nice check for {$650.00} back, continue to make my same old monthly payment and have to call them every month until they recalculate my account, taking time out of my life to address their XXXX up. Luckily for me, I took the time to thoroughly examine my escrow statement. I am making this complaint because I do n't want some other mortgage customer to possibly NOT pay attention, and then end up with a HUGE shortfall that they 'll have to scramble to come up with. XXXX is coming, and had I not looked closely at that statement, and questioned their amount, that money could 've been spent quickly on gifts, and put our family into a pretty negative financial situation when it came time to correct that shortage. This XXXX infuriates me, and I would HATE for someone else to be mislead in this way. If I had not caught this, I would 've ended up with an almost {$1800.00} shortfall over the course of a year!! That 's a huge amount for a family to have to come up with. NOTE REGARDING UPLOADS : I am attaching XXXXwo town real estate tax statements and the escrow statement from Nationstar Mortgage XXXX now XXXX XXXX XXXX XXXX. The town of XXXX does have a strange way of formatting and sending out tax bills, sending XXXX quarters of billing out at a time, but it does note on the invoices that the payments are for QUARTERS. We bought our house in XXXX XXXX, so one statement is for 3rd and 4th quarter of XXXX XXXX XXXX XXXX XXXX XXXX in the previous owner 's name, and the other statement for 1st and 2nd quarter of XXXX XXXX XXXX XXXX XXXX XXXX, in my and my fianc 's name. I am also attaching a copy of the escrow statement that I received from Nationstar Mortgage XXXX now XXXX XXXX XXXX XXXX, which has the projected tax amount that is only {$.00} different that the amount on the most current town FY XXXX real estate tax statement. I am assuming this is where they got that figure from, but again, if they had actually read the statement, they 'd know it was not for one year.
Company Response:
State: MA
Zip: 027XX
Submitted Via: Web
Date Sent: 2017-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-09
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 is the fourth complaint against my bank on a VA loan, mortgage which payments started being made XXXX XXXX. This is my fourth complaint against XXXX/Nationstar in failing to report all of my mortgage payments that I have made to them. In which, I have copies of all cashed checks, payments being made on my VA mortgage loan. Once again, I have gotten no resolution regarding errors that need to be fixed by my mortgage loan holder, XXXX/Nationstar. Each time I am directed to someone in their home office, I am told they are only going by the file that is sent to them. A bull's-eye report, in which, they believe the information being submitted to the credit bureaus is correct. As you can see, from XXXX XXXX latest facts and findings. XXXX/Nationstar, once again, is not reporting my payments being made as I have since XXXX XXXX. I have been brushed off, not taken seriously and continuing to not see my payments, ALL payments that have been made on my VA mortgage loan submitted to the appropriate credit bureaus. Each time, I call XXXX/Nationstar, they tell me what they see on their end is all payments being submitted to the credit bureaus, even during the forbearance plan, in a timely manner. However, I have made over several calls to all three credit bureaus. In which, as you can see, XXXX/Nationstar is not reporting nor showing all of my payments that have been made on my VA mortgage loan. I will continue filing complaints, even going in another legal direction, until this issue is resolved.
Company Response:
State: IN
Zip: 470XX
Submitted Via: Web
Date Sent: 2017-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-08
Issue: Trouble during payment process
Subissue:
Consumer Complaint: On XXXX XXXX I got a letter from Nation Star Mortgage stating that my mortgage loan was transferred to them on XXXX XXXX. Stating as of XXXX XXXX, XXXX they are my new lenders. It also included a bill of XXXX with the due date of XXXX/XXXX/XXXX. However, I already sent my XXXX and my XXXX payments to XXXX ( the previous lender ). XXXX payment was sent on XXXX/XXXX/XXXX check # XXXX XXXX} it was taken out by XXXX on XXXX/XXXX/XXXX. XXXX payment was sent XXXX/XXXX/XXXX check # XXXX XXXX it was taken out on XXXX/XXXX/XXXX. I contacted Nation Star and talked to a representative names XXXX. She did not help me at all she told me to call XXXX. I called XXXX but because my case was transferred I could not speak to a human representative and the automated system gave me a phone number to contact Nation Star. My second call to Nation Star I spoke with XXXX, and she was telling me the same thing to call XXXX. I had to argue with her to three-way the conversation because I could not get a hold of anyone. She three-wayed the conversation with XXXX and XXXX said it was XXXX to Nation Star and the transaction number is : XXXX. In between this, I got another statement from Nation Star and the billing amount was XXXX. on XXXX/XXXX/XXXX I made a third phone call and spoke with XXXX, she three-wayed with XXXX again and XXXX picked up again and repeated that the second XXXX payment was XXXX to them too. XXXX told me she does n't see the second paycheck and she was going to send a note to the research department to start an investigation and they were going to notify me with the results in 7 to 10 business days. I asked her if they need any additional documentations from me for example copy of checks and banks statements. She said no everything is fine, and I did the XXXX payment over the phone with XXXX for XXXX. I never received any notification from them. I called back on XXXX/XXXX/XXXX and spoke with XXXX. XXXX said the previous investigation was dropped because I did not provide any documentation. This is what angered me further and I requested to speak with the supervisor and she said no one is available and she will try to help me. XXXX Three-wayed with my XXXX bank and the XXXX representative XXXX told me to just send the pdf formats of my bank statements. XXXX gave me her managers email address : XXXX and I sent over all the paperwork to her. No response from anyone, and I received another bill of XXXX. I called on XXXX/XXXX/XXXX and talked to XXXX who transferred me to the research department and I spoke with XXXX. He promised me that he will personally follow up and will personally send my documentation to the research department and will notify me by phone. Again, no answer. I received an email from the research department stating that there is no mistake on their behalf and I owe them money. The research was done partially. I requested a full up to date research and they did not comply. I called back on XXXX/XXXX/XXXX and spoke with XXXX. I requested a supervisor named XXXX. She said the same thing that she was going to start a research again. And for me to follow up because she was going on vacation next week. Because she was no help I emailed back to the research department and requested a full investigation from day 1 until current. As of the day of this writing XXXX/XXXX/XXXX the issue is not resolved, and I am getting billed XXXX however my monthly mortgage is XXXX
Company Response:
State: CA
Zip: 92354
Submitted Via: Web
Date Sent: 2017-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A