Date Received: 2017-10-30
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I took a Reverse Mtg in XXXX of XXXX. Champion Mortgage has been paying my property taxes and doing a direct withdrawal from my account monthly. In response to notices, I would always renew the agreement annually & there was usually a slight increase from the prior year. In XXXX, the amount was actually lowered. In XXXX of XXXX, I received a foreclosure letter from a Law firm. I then called Champion Mtg. to address this issue with no resolution. I was told they have been paying the taxes too long & the recommitment letter was sent without a reply from. me. I have never received such a letter. A process server placed a contact number to be called to serve me documents to sign. I have not called him back as I was seeking resolution otherwise. The amount owed on XXXX/XXXX/XXXX was {$6800.00} & increased without explanation to {$7900.00} by XXXX/XXXX/XXXX. For reference, I have my home insurance w/ Keystone XXXX. My name & address is XXXX XXXX XXXX XXXX XXXX XXXX, Md. XXXX Loan # XXXX Champion Mtg, XXXX XXXX. XXXX XXXX XXXX, OH Email.XXXX XXXX XXXX XXXX
Company Response:
State: MD
Zip: 206XX
Submitted Via: Web
Date Sent: 2017-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-30
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I believe that XXXX XXXX formerly know as Nationstar Mortgage company is operating in fraud. I have requested the original contract that gives them the right to collect this debt from me. So far, I have not gotten anything back. I respectfully request a fully refund when they can not produce this document. This loan was sold to them without my consent from another lender which makes this loan invalid.
Company Response:
State: CA
Zip: 92127
Submitted Via: Web
Date Sent: 2017-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-31
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: My home was sold in the XXXX XXXX XXXX sale on XXXX XXXX, XXXX. I understand that the property is no longer owned by myself and I am aware that I must vacate the premise. I made several calls to Nationstar mortgage inquiring about concessions regarding my move and time to pack up and vacate the premise as I have been residing in the home for ten years only to be told that there is no one to discuss this matter with. I am requesting a move out date of XXXX XXXX, XXXX as I need my son 's transition to be least disruptive to his life and educational stability. I have been in the home for ten years and it is the only home my eleven year old son has known. My request is significant and would be most beneficial for the educational and emotional stability for my son. My son has been diagnosed with a learning XXXX which prohibits him to transition as readily, easily and smoothly as others would normally. I would truly appreciate assistance from you regarding this matter as I prepare to restart my life after getting into debt and becoming bankrupt after trying for years to provide stability for my family.
Company Response:
State: NJ
Zip: 07003
Submitted Via: Web
Date Sent: 2017-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-31
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: My husband was diagnosed with XXXX and had to retire from work. We had to live on our savings and XXXX money until his SS XXXX kicked in. He also received some XXXX from work too. This XX/XX/XXXX it was found that we were overpaid from his work XXXX and had to pay this money back. At this time we knew we were n't going to be able to make our mortgage payment because we did n't have sufficient funds coming in. We called the mortgage company immediately to se what we could do, they suggested doing a loan modification. A package was sent to us which we filled out and emailed, faxed and also sent a hard copy, this had to be in by XX/XX/XXXX. Well for reasons unknown to us they never received the package, even though it was submitted 3 different ways. A second package was then completed, once again same thing never received. By now it 's XX/XX/XXXX, so we completed a third package, finally this one was received and I believe only because I called every other day to make sure they were getting it. It took clear till XX/XX/XXXX that we finally received a letter saying that we were approved for a loan modification, but we needed to submit a payment by XX/XX/XXXX of {$4200.00} first and then our next payment would be due XX/XX/XXXX in the amount of {$2300.00}. Now you tell me how this even helps someone who is struggling to make their payments. Had someone done their job and put through the first package we would n't have ended up 6 months behind as it stands now. I feel we are being taken advantage of and nothing has been done to help us. Why could n't they put the 6 months we were behind onto the back end of our loan? Why are they asking for a large amount upfront? Why did our payment or interest rate not go down? My mortgage company is Nationstar which recently became XXXX XXXX and they are based out of XXXX, TX. Will I have to file bankruptcy now to be able to keep my home? This whole situation is just ridiculous, especially after I called immediately in XX/XX/XXXX when I knew I would not be able to make my payment. Our income had been reduced drastically. We paid our XXXX overpayment back and now are getting our full XXXX amount, so we can make our payment if it were reasonable. My husband had stem cells extracted in XX/XX/XXXX, back XXXX in XX/XX/XXXX to repair fractures in his back caused from his XXXX, a XXXX XXXX in XX/XX/XXXX, had another episode with the multiple XXXX in XX/XX/XXXX that caused a XXXX XXXX XXXX, and then had a XXXX XXXX transplant in XX/XX/XXXX, so needless to say the last thing we need to worry about is losing our home.
Company Response:
State: PA
Zip: 15108
Submitted Via: Web
Date Sent: 2017-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-30
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: On XX/XX/XXXX, Mr. Cooper ( Nationstar ) indicated that foreclosure proceedings would not begin until XX/XX/XXXX ; they referred the property for foreclosure on XX/XX/XXXX ( the attorney 's office did not receive the file until XX/XX/XXXX ). On the morning of XX/XX/XXXX, the FULL reinstatement payment was ready to be made and Mr. Cooper refused the payment.
Company Response:
State: WI
Zip: 53095
Submitted Via: Web
Date Sent: 2017-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-30
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: My loan is currently being serviced by XXXX XXXX. A lender and/or servicer CAN NOT collect on a debt that is TRANSFERRED DURING the DEFAULT of the LOAN. My violations as a Homeowner have been violated. I already accepted I can not remain in my home and since short selling my home was one of the options given to me to " avoid foreclosure '' I began the process. It has been a challenge with XXXX XXXX counter offering during the process causing the interested party to walk away from the transaction. The truth is that a short sale process is just as long, hectic and stressful as a modification and the servicer is well aware of that which is why the servicer should not delay on providing responses and/or an approval. I am currently facing foreclosure and only need 10 days to allow the transaction to close but XXXX XXXX, the servicer of my loan, is refusing to provide a postponement of the 10 days needed. I am asking to exercise my right as a homeowner to avoid foreclosure.
Company Response:
State: CA
Zip: 91767
Submitted Via: Web
Date Sent: 2017-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-29
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Early XXXX I got behind on my mortgage. I spoke with a representative about the account and was offered a payment reset. In XXXX I had difficulty making the payment on-line, which would be done at no additional charge. During the same time the company was transitioning from NationStar to XXXX XXXX. I made several phone calls attempting to make the XXXX payment. Each time I was told that if I made the payment over the phone it would cost me an additional {$20.00}. I finally got a representative that would waive the fee. I 've experienced this same issue each month since XXXX. Every time I log on to the website get a message that says " Your account is not illegible for payments. '' I spend an hour to and hour and a half trying to make my payments every month. The dedicated loan XXXX XXXX XXXX is never available to take my call. I choose the phone option to speak to a representative which loops me over and over again to XXXX 's voice mail. I eventually get a hold of a representative that is willing to help. In between payments I have received numerous courtesy calls from XXXX XXXX. On each call I reviewed previous payments made as well as made inquires about the status of my payment reset. Each time I was advised that a decision had not been made on the payment reset. In XXXX I was advised that Fannie Mae had a backlog which was delaying the decision on my reset. Well in XXXX after having difficulty making my payment I spoke to XXXX representatives about the payment reset. The last woman that I spoke to advised me that my account was not illegible for the payment reset because I missed the XXXX payment. This was the first time that I had heard this in the XXXX plus calls that I have had with this company. The XXXX payment was missed because I could n't make it on line. As of today I am still unable to make my payment on line. When I attempt to make the payment over the phone tomorrow I will get the same run around that I have been getting. I also do n't understand the activity that occurred on my account in XXXX. XXXX - Unapplied Payment = {$460.00} XXXX Monthly Payment = {$460.00} XXXX Monthly Payment= {$460.00} XXXX Payment Reversal= ( {$460.00} ) XXXX Payment= {$460.00} Why so much activity in XXXX? I 'm pretty sure the XXXX payment was made on XXXX XXXX because I was unable to make the payment on line, but I do n't understand why it was n't applied. Then I made another payment that same month, but I do n't understand the payment reversal.
Company Response:
State: PA
Zip: 15221
Submitted Via: Web
Date Sent: 2017-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-27
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I had a 3month arrangement set for XXXX unfortunately my brother relapsed stole the money so I called nation star now Mr.Cooper XXXX XXXX said if I pay XXXX we would not go into foreclosure I told him I would get the rest I needed from fiancee.boss n it will b in bank acct by XXXX next day he said for me to give verbal consent as they would n't take $ out right that moment., so I did he reassured me that would stop foreclosure n call in about a week to move forward a week went by the XXXXwas still in r account I called XXXX n he said it went into foreclosure anyway suddenly changed his story saying I stated to him I did n't have the $ which is a lie .so after numerous attempts we are n't eligible for a loan modifications as its no longer based on hardship n I expressed that it is n't right that I trusted there representative as I 'm learning as I go n they r saying oh well we want over XXXX even tho of course I made my brother accountable he XXXX XXXX. I am XXXX XXXX, my children ( XXXX ) father XXXX so XXXX moved back home, my fiance had to take a job @ $ XXXX a week to secure a paycheck n homes been in his family over 100 yrs. I filed a complaint today but rep XXXX XXXX told me it wo n't matter n ultimately we r going to lose r equity n home.
Company Response:
State: PA
Zip: 190XX
Submitted Via: Web
Date Sent: 2017-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-27
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: Hello, my mortgage was transferred from XXXX to Nationstar Mortgage on XXXX XXXX, XXXX in the amount of - {$140000.00} and escrow balance of {$1000.00}. I sold my property and closed on XXXX XXXX, XXXX and the payoff figure was {$140000.00}. Nationstar pulled a payment of {$1000.00} ( {$250.00} for escrow + {$820.00} for PI ) on XXXX XXXX, XXXX which would have been for XXXX, XXXX. According to the payoff statement from Nationstar, interest was calculated for XXXX XXXX to XXXX XXXX, XXXX. I received an escrow balance check of {$1300.00} XXXX {$1000.00} + {$250.00} ) and another check for a portion of overpaid amount, {$1200.00} XXXX I am not sure how this amount was calculated ). Not figuring any escrow balance refund ( since this is straight forward ), I have summed up the following : - {$140000.00} transferred loan {$820.00} payment for XXXX ( PI ) {$140000.00} wired payoff amount - {$350.00} overpaid interest ( since this loan was paid off on XXXX XXXX, I believe I overpaid interest amount of {$350.00} ( 20 days x {$17.00} per diem interest from payoff statement ). The net is {$1500.00} and I got a check for {$1200.00} ; so I am short by {$380.00}. I have called Nationstar ( now called Mr. Cooper ) and tried to resolve dispute but either they are not responsive or they disconnect the call without doing anything. I need help please in resolving this matter. Thanks. XXXX
Company Response:
State: CO
Zip: 80112
Submitted Via: Web
Date Sent: 2017-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-26
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Paying my mortgage on line, it stated my mortgage will go up almost {$200.00} more per month beginning XXXX2017, due to a shortage with my escrow. However, when I called customer service to get an explanation on how my account is negative ( when I have not missed a payment ), along with me reviewing the payment history on my account, it shows there are SEVERAL large payments that were not posted to my mortgage and went to " unapplied funds '' and a " lender paid expense '' payment of {$16000.00} that was also posted under " unapplied funds ''?!?!
Company Response:
State: AL
Zip: 366XX
Submitted Via: Web
Date Sent: 2017-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A