Date Received: 2017-09-18
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My loan was originated with XXXX. In XXXX or XXXX of XXXX, my loan was sold to Nationstar XXXX who recently changed their name to XXXX XXXX XXXX. Leading up to the transfer, both XXXX and Nationstar assured me that there would be no changes to my loan terms. To make a long story short, Nationstar increased my monthly payment without telling me. I never received a phone call, email or written correspondence as to why this occurred. Since my loan transfer, approx. 5 months now, I had been making the same monthly payment I was making to XXXX, but to Nationstar. Unbeknownst to me, since the payment went up, they were holding my payment in unapplied funds and not crediting my actual mortgage payment to the principal and interest. Again, I never heard from Nationstar about my " late '' mortgage payments. Upon discovering this, I was told that the payment went up because they did an escrow analysis and unlike most lenders, require a 2 month cushion. Again, that would be ok if this was told to me had I not discovered this on my own, many months later. I was told if I made a large payment straight to escrow, an escrow analysis could be run which would bring my monthly payment down. I have called trying to confirm the correct funds were applied to the escrow account, get an escrow analysis run and a new lower payment obtained. I am on the phone with Nationstar for propably the XXXX time in a few weeks trying to get this resolved. We 'll see what happens.
Company Response:
State: MI
Zip: 48390
Submitted Via: Web
Date Sent: 2017-09-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-17
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Hello, we have been in a fighting battle with our bank/ servicer Nationstar Mortgage ( who now changed their name to XXXX XXXX ) for a very long time I mean very long time. We have been trying for a loan mod. couple years now and recently its getting worse and worse and the bank keep pressuring and not providing the loan mod. that is being applied for. So our servicer now is XXXX XXXX and we have sent them many times a request for mortgage assistance forms packet with all documents. Recently we mailed in a signed copy of the request for mortgage assistance and all required documentation to be reviewed for a loan modification. XXXX XXXX has all documents mailed which they received and are in review. If XXXX XXXX proceeds to sell my home while having a complete request for loan modification review packet then they will be in violation of multiple laws including but not limited to my California Home Owner Bill of Rights Act XXXX XXXX has still placed my home on a foreclosure sale set for XXXX-2017 and has not CANCELLED the foreclosure sales until the review and loan modification and the process has been approved and agreed upon.
Company Response:
State: CA
Zip: 95747
Submitted Via: Web
Date Sent: 2017-09-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-17
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Hello, we have been in a fighting battle with our bank/ servicer Nationstar Mortgage ( who now changed their name to XXXX XXXX ) for a very long time I mean very long time. We have been trying for a loan mod. couple years now and recently its getting worse and worse and the bank keep pressuring and not providing the loan mod. that is being applied for. So our servicer now is XXXX XXXX and we have sent them many times a request for mortgage assistance forms packet with all documents. Recently we mailed in a signed copy of the request for mortgage assistance and all required documentation to be reviewed for a loan modification. XXXX XXXX has all documents mailed which they received and are in review. If XXXX XXXX proceeds to sell my home while having a complete request for loan modification review packet then they will be in violation of multiple laws including but not limited to my California Home Owner Bill of Rights Act XXXX XXXX has still placed my home on a foreclosure sale set for XXXX-2017 and has not CANCELLED the foreclosure sales until the review and loan modification and the process has been approved and agreed upon. Thank you.
Company Response:
State: CA
Zip: 95747
Submitted Via: Web
Date Sent: 2017-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-16
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: We went to court and received a judgement onXX/XX/XXXX concerning Nationstar. I recently checked my credit report and they have reported " Credit Grantor reclaimed collateral to settle defaulted mortgage '' as of XXXX XXXX. This should be from XXXX XXXX. Also, they are STILL reporting me as late paying in XXXX through XXXX XXXX. The judge ruled on XXXX XXXX, XXXX. I am asking that the late payments be removed. This is hindering me from obtaining a loan. The history of this property is due to my XXXX not paying the mortgage, and I feel that her behavior should not have tarnished my credit or ability to obtain a mortgage. I am enclosing the original hardship letter for reference. I submitted a claim with your organization last year, which got things moving. I am asking that the red flag on my credit report be removed. In fairness, this mortgage was sold three times. XXXX XXXX XXXX purchased the note, then XXXX, then Nationstar. We were served an eviction notice from XXXX XXXX XXXX, and they sold the note right after we vacated as asked in XXXX XXXX. The home remains empty XXXX years later. This experience took away years that I could have been a mortgage. I am XXXX, and need to purchase and pay for a home before I retire. Thank you for your consideration, XXXX XXXX Original Complaint My XXXX XXXX was awarded the property in our XXXX in XXXX. She refused to pay the mortgage from the very first month, and on three separate occasions I caught the payments up and took her to court to get her out and stop damaging my credit. Dealt with a different judge each time. The first two told her to keep them current, with no judgement on her part, even though it was ruining my good credit. At the lowest point, my FICO score was at XXXX, based on her actions, not mine. The third time, I was awarded the property in XXXX. XXXX XXXX XXXX said I had to live there in order for them to work with me. For the next year in " modification '' of the loan they would not accept payments or send me a bill. Four times they " lost '' the paperwork and made me refile. Then they said they could n't work with me because the house had been in arrears for too long. Told me to vacate, which I did, in XXXX XXXX. XXXX XXXX XXXX sold to another servicer, XXXX XXXX XXXX, and they added ridiculous fees to the original amount, making the amount due well over the amount of the {$140000.00} original loan. They agreed to a short sale, and our realtor worked on it for a year. They denied three cash offers, one that was at full value. In frustration, she gave up, and we could n't blame her. They sold a year later to Nationstar, who added their own outrageous fees. Our lawyer got involved, as Nationstar has included my current XXXX " XXXX XXXX XXXX '' and it has greatly impacted her very good credit. Nationstar sent legal documents offering us a " in lieu of deed '' offer which would take it out of our name, which is what we wanted. Our lawyer responded to Nationstar and asked them to proceed. No response from them. He then sent them an Order to Appear to get the ball rolling, and they responded by changing legal counsel. We got frustrated and gave up. That wasXX/XX/XXXX Our hands have been tied for obtaining a home loan for 10 years now. We were just denied a loan today because of this. Our loan would have been approved without this very large blemish on our credit report. We want our names removed from the title of the property that no one has actually foreclosed on in TEN years! It remains in my name. We want this removed from our credit files from all three reporting agencies for both my XXXX and myself. Any help or direction you can give us would be greatly appreciated. Thank you.
Company Response:
State: WA
Zip: 98801
Submitted Via: Web
Date Sent: 2017-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-14
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Received letter from XXXX XXXX of transfer of servicing to Nationstar. Received letters from Nationstar on how to make payments to their company. Trying to make this payment was a joke. Kept transferring to a XXXX XXXX saying they had bought Nationstar. NO letters indicating of this transfer! We were concerned this was a case of fraud since we had not received any paperwork. Tried to make a online payment were going to charge us XXXX for making a payment. Tried going into XXXX XXXX using Nationstar loan number it does not exist. This is a mess having to go to the postal service to mail a payment and having it certified because I DO NOT TRUST THIS COMPANY. Also do they charge XXXX to speak to a rep as indicated on the paperwork! I 've never been late on a payment this is the worst servicing company!!!!!
Company Response:
State: GA
Zip: 30157
Submitted Via: Web
Date Sent: 2017-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-14
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: In XXXX of XX/XX/XXXXwe decided to build a house in XXXX XXXX, SC. and we put a {$75000.00} mtg on it with The XXXX XXXX XXXX After a year had passed I decided to put a LOC on the house and we did, with XXXX, a {$100000.00} amount. Years went by and we made our payments. In XXXX of XX/XX/XXXXan individual stole 20 checks from my Business ckbk forged and negotiated them. For the first 9 there was money in my ckbk and they cleared but the final 11 bounced and I was held responsible. I served 11 mos incarcerated from XXXX to XXXX. During that time period there were no payments made as both my S/S and VA cks were stopped and my wife could not make the pyts on her $ XXXXmo S/S ck. When I was released I immediately called both Banks to attempt to negotiate a pyt program to deal with the non pyts. XXXX XXXX was very ameniable, Nationstar was not. As you can see from the monthly statements, XXXX 's past due amount was {$2100.00} and Nationstar 's was {$17000.00}. I tried without success to find out what caused the disparity, but they would not tell me. Nationstar said they notified me XXXX XXXX ( I never received it ) that they had declined my Modification request because of eligibility requirements : they could not reduce our monthly payment by 10 %. I told them I did n't need to reduce my monthly payment- I wanted them to put my Past Due amount into the Principle amount and change the term. They said they could not. I then asked them for a copy of XXXX XXXX 's eligibility requirements and they refused. My monthly P & I pymts are : Nationstar- {$400.00} & XXXX 's {$270.00}. That 's a total of {$680.00}. Over the the 12 years we have never escrowed any Taxes, Ins or HOA fees, we have paid them. My house has appraised between {$330000.00} and {$350000.00}, leaving an equity of approximately {$150000.00}. At the moment my monthly income is {$3600.00} ( {$43000.00} ) from the S/S, VA and a small pension ( proof attached ). We have a small amount of consumer debt and a car payment. I have attached a filled in XXXX XXXX XXXX form XXXX that was sent to Nationstar XX/XX/XXXX My wife ( of XXXX yrs ) has XXXX XXXX in a XXXX, and recently had a XXXX XXXX and I have no interest in moving. We would just like Nationstar or " XXXX XXXX '' to help us create a program that we can live with for the remainder of our lives. Anything that you need as additional info I will quickly provide. Thank you for your assistance XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, SC XXXX XXXX XXXX
Company Response:
State: SC
Zip: 29579
Submitted Via: Web
Date Sent: 2017-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-14
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I 'm on the 2nd step with keep your home california, i finished the 1st step, interview process on XX/XX/17. A fraud foreclosure letter was already created by the DA on XX/XX/17 as well, which I received today. I 'm sending my required documents to keep your home California very soon. I need to make sure I still have my home while in the process. Are n't I protected under foreclosure protection act??? XXXX ( XXXX ) XXXX
Company Response:
State: CA
Zip: 94580
Submitted Via: Web
Date Sent: 2017-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-13
Issue: Trouble during payment process
Subissue:
Consumer Complaint: mortgage was transferred from XXXX to nationstar XXXX XXXX XXXX XXXX starting XXXX/XXXX/XXXX. Payment was received and than retuned by nationstar ( XXXX XXXX XXXX. and I began being charged late fees. I asked for a letter that My account would not reflect their mistake, and was told it would be in the mail, have left messages to be resolved.
Company Response:
State: OR
Zip: 979XX
Submitted Via: Web
Date Sent: 2017-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-13
Issue: Trouble during payment process
Subissue:
Consumer Complaint: This letter is a complaint against Nation Star ( Mr. Copper ) they took upon them self to pay off our taxes with out our consent or any notification what so ever. We were not behind on our taxes and we were paying them as they were due so I was skocked when I went to pay my taxes on XXXX XXXX and the clerk said they were paid in full. Nation Star created an escrow account and now they want that money upfront for the taxes that they paid, for what ever reason they they paid them in the first place. Now when we pay our monthly mortgage it seems that our payment is not being recorded because they want this escrow account paid in full. We continue to pay our mortgage monthly. Our monthly payments have not been applied to our loan and we do not know what to do, please help us in anyway possible.
Company Response:
State: NY
Zip: 13601
Submitted Via: Web
Date Sent: 2017-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-13
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: WHILE I WAS IN XXXX XXXX, MORTGAGE PAYMENTS THAT WERE MISSED WERE NOT REPORTED TO ME UNTIL THE CHAPTER XXXX XXXX IN XXXX XXXX. NATIONSTAR NOTIFIED ME IN XXXX XXXX THAT I WAS BEHIND WHILE BOA HAD MY LOAN. WITHIN 3 MONTHS THE PAYMENTS WERE MADE CURRENT AND HAVE BEEN CURRENT SINCE THAT TIME. I AM ASKING NATIONSTAR TO PLEASE REMOVE NEGATIVE INFORMATION FROM MY CREDIT REPORT TO HELP MY XXXX XXXX. I AM CURRENTLY INTERESTED IN REFI OR DOWNSIZING MY HOME. IT WOULD REALLY HELP IF THE NEGATIVE INFORMATION WAS REMOVED TO ALLOW MY XXXX XXXX TO IMPROVE FOR BETTER INTEREST RATES.
Company Response:
State: MS
Zip: 38654
Submitted Via: Web
Date Sent: 2017-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A