NATIONSTAR MORTGAGE
Consumer Complaints
There are over 21508 complaints on file for NATIONSTAR MORTGAGE. Dated between 2019-12-11 and 2012-03-15.
Complaints Page 13
2019-10-01
WV
Closing on a mortgage
Mortgage: FHA mortgage
Complaint: After a early retirement from an injury, our finances became strained ... ... ....
Things fell behind.
We contacted Nationstar Mortfage dba Mr Cooper for help. We have been transparent from the get go ....
We did a modification which was Ultimately denied because we didn't have a need according to Mr Cooper. They determined this because we made our payments through the process ... ...
We ( tried to ) explain ww were paying the mortgage strictly through savings and that was running out so we seriously needed help to keep our house.
So a second modification was started in XX/XX/XXXX which was a total nightmare. I sent and resent and resent documents they needed snd although I have confirmation they received the documents, they would tell me they did not receive them. They kept dragging The process out until it expired and then they REJECTED it .... After 6 months of dealing with these people for a 2nd modification. ( BUT ... ... NO ONE FROM NATIONSTAR TOLD US ONE TIME THAT A MODIFICATION HAD TO BE COMPLETED AND DENIED BEFORE A SHORT SALE COULD BE APPROVED ) ... ..
Or maybe that's a lie too ... .... Idk We also discussed other options with Mr Cooper such as a short sale and/or a Deed in Lieu of foreclosure. So, in XX/XX/XXXX, we put it on the market as a short sale and we used the Realtor Mr Cooper told us to. We were asking for pay off only. For 5 months, we showed it but got no offers because the house has fallen in disrepair.
We owe XXXX and the appraisal Mr Cooper Did was In the 160s.
In XX/XX/XXXX ( and by the Grace of XXXX ) we got an offer of XXXX on the house. We were so Blessed. I cant even tell you.
So Mr Cooper TOLD US in XX/XX/XXXX to Put it on the market as a short sale ... ....
We sold it XX/XX/XXXX No one explained anything to us in this process. We have had to force information from them AND 9 out of 10 people we spoke with told us WRONG ... ....
A young veteran is trying to buy our house. He paid his dues to this country and this is what he gets too ... ... This us messed up ... ... ..
So after fighting with them since XXXX, Mr Cooper foreclosed on our home and it was auctioned off yesterday. The starting bid was XXXX so if someone would have bid on it, they would have walked away with my house for XXXX and I have had a pre-approved offer of XXXX.
I am now living in a camper. We are XXXX years old and he is working out of state because theres no work here. Weve lost our house and this will likely ruin us for the rest of our Life.
Yesterday, Mr Cooper told me ... ...
WELP ..., We ran out of time to approve your short sale. Nothing you can do ... ..
THIS CANT BE LEGAL ... ...
We sold our house ... ... ...
We've been in touch with FHA and have a case number. They can provide additional info.
FHA CASE # XXXX I am college educated and very Intelligent and these people have broken us. I can not imagine how it would go for people who are less educated or knowledgeable ... ... ..
MY TAKE ON THIS IS They never had ANY intentions of approving the short sale and EVERY intention of screwing us ... ....
We followed their lead TO THE LETTER ... ...
I demand satisfaction ... ... ...
Company Response: Closed with explanation
2019-10-01
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2019-10-01
Huntsville, AL
Trouble during payment process
Mortgage: VA mortgage
Company Response: Closed with explanation
2019-10-01
Eagle Rock, CA
Applying for a mortgage or refinancing an existing mortgage
Mortgage: VA mortgage
Company Response: Closed with explanation
2019-09-30
Flanders, NY
Trouble during payment process
Mortgage: Reverse mortgage
Company Response: Closed with explanation
2019-09-30
Harsens Is, MI
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: ACCOUNT NO : XXXX DISPUTING FRAUDLENT ESCROW REVIEW STATEMENT We received Escrow Review Statement dated XX/XX/XXXX but we received it on XX/XX/XXXX ( Exhibit 3 ). Upon perusing the Escrow Account Projections for XX/XX/XXXX to XX/XX/XXXX, we noticed that your projections are erroneous and fraudulent which comes to us as no surprise. We have since contacted Mr. Cooper notifying them of the blatant fraud they are trying to perpetrate on us. Therefore, we are requesting a proper and honest review of the Escrow Account Projections for XX/XX/XXXX to XX/XX/XXXX while taking all related information into consideration because there is no evidence or reason to increase the escrow account.
After an in-depth research and thorough examination of all related documents from the XXXX XXXX Tax Assessors office and past tax assessment documents it clearly shows that theirwinter tax projection payable in XX/XX/XXXX is totally outrageous and inaccurate. One can clearly see that the exact amount of shortfall of {$3100.00} was plucked out of our XXXX summer taxes ( Exhibit 1 ). A fair projection number would have been XXXX winter taxes of {$1100.00} instead of XXXX summer taxes. Winter taxes for this home are always lower that summer taxes and it is always lower than {$1200.00}.
There is no basis for their projection of {$3100.00} for XXXX winter taxes other than they are trying to scam us. They deliberately used XXXX summer tax amount to make their projections. This is preposterous and fraudulent. XXXX XXXX has never assessed us this much for winter taxes ever. According to the property tax assessment document ( Exhibit 1 ), XXXX winter taxes was {$1100.00}, ( an increase of {$20.00} from XXXX ) ; XXXX Winter Taxes was {$1100.00} ( an increase of {$190.00} from XXXX taxes ) ; XXXX winter taxes was {$900.00} ( an increase of {$0.00} from XXXX winter taxes ). Given these actual numbers, one can safely say that there is no way XXXX XXXX Assessors office will ever double or triple our winter tax assessment like they did. Anybody with common sense could clearly see that Mr. Cooper 's fraudulent office is gauging us in retaliation for making a complaint to the Consumer Protection Financial Bureau for deliberately misapplying our XXXX Mortgage payment and we will fight it.
Although, XXXX winter tax assessment is currently unavailable, one can easily assume that any increase or decrease would likely be minimal or within the normal increase or decrease range over the last 16 years ( Exhibit 2 ). Sixteen years is a good barometer to assess our winter taxes on this property. Besides, when I called the XXXX XXXX Assessors office on XX/XX/XXXX, they confirmed that based on the mill levy and the history of winter taxes for this home there is no way they will assess us {$3100.00} for XX/XX/XXXX winter taxes ( Exhibit 2 ).
I urge you to request Mr. Cooper to please verify their projection numbers again based on past assessment and other relevant information. The information below proves that if our escrow account is projected accurately, we should still have a surplus in the account for XXXX. For the records, actual monthly escrow payment for XX/XX/XXXX to XX/XX/XXXX is {$570.00} monthly, which totals {$6800.00}.
Less : Insurance {$1200.00} Summer Taxes {$3100.00} Winter Taxes {$1100.00} PMI ( {$92.00} x 12 ) {$1100.00} GRAND TOTAL {$6600.00} ACCOUNT BALANCE {$280.00} ( $ XXXX {$6600.00} ) *****Furthermore, their own actual numbers for the current year shows a surplus of {$320.00} ( Exhibit 3 ). This confirms that there is no shortfall in the escrow account. Based on the tax history on Exhibit 1 for this home the current surplus in the account is more than enough to cover any slight increase in our taxes and insurance.
For the records, this scrupulous Company - Mr. Cooper has raised our mortgage payment three times since the account was sold to them a year ago. Upon my research, we are not the only victims to suffer fraudulent practices of overestimating escrow accounts by the ilk of Mr. Cooper so they can pad their investment accounts and make monies off their customers. In fact, we know that it is illegal for Mr. Cooper to hold that much money in an escrow account especially when there is no need.
Clearly, their projections are false and preposterous. They are trying to gouge us and we are asking your agency to require them to prove that we have to pay {$3100.00} for XXXX by showing us the invoice. The only place they got that exact number of {$3100.00} was from XXXX Summer Taxes which is wrong or from thin blue air which doesnt exist. They were banking on us not doing our research or critically reviewing the document so they can take advantage of us but the point is we are ahead of the game. In fact we willing to pay the full amount of the winter taxes directly if that is the case once we receive the bill.
Mr. Cooper who is deliberately taking advantage of financial illiterate customers to gauge and mislead them. We need these numbers rectified immediately and correct escrow statements issued.
In conclusion, unless they have further justification and tangible evidence to increase our monthly payments due to shortage in our escrow statement then we hope you will order them to do the right thing. ( We have attached supporting documents for your information ).
Sincerely, XXXX & XXXX XXXX Homeowners
Company Response: Closed with explanation
2019-09-30
WA
Applying for a mortgage or refinancing an existing mortgage
Mortgage: Conventional home mortgage
Complaint: MR. COOPER AKA NATIONSTAR MORTGAGE ( XXXX XXXX ) Mr. Coopers business representatives are not bankers and have no idea on how to service a loan. Their data base is an old DOS ( over 18 years old ) which is so outdated that their departments do not communicate with each other so they cant correct their errors. Therefore they are continuously practicing illegal mortgage practices by overcharging their customers excessive fees and interest. They have class action lawsuits against them in several states. As of XX/XX/XXXX, lawsuits filed against Nationstar Mortgage include breach of contract, unjust enrichment and fraud claims, according to XXXX XXXX XXXX and the XXXX XXXX XXXX. Other lawsuits allege Fair Debt Collection Act and Fair Credit Reporting Act violations. See the following : 1 ) Nationstar ( aka Mr. Cooper ) reaches {$17.00} XXXX mortgage settlement with NYDFS 2 ) Nationstar ( aka Mr. Cooper ) reaches $ XXXX mortgage servicing settlement with California 3 ) Massachusetts hits Nationstar ( aka Mr. Cooper ) with fine, sanctions over servicing abuses 4 ) The beneficiaries of a New Jersey Estate has filed a lawsuit Pro Se with Docket number 3:18-cv-12085-FLW-DEA in US District Court , New Jersey against Mr. Cooper, the renamed mortgage servicing company once called Nationstar Mortgage over their claims of wrongful acts and allegations of fraud which has resulted in attempted foreclosure.
We just came out of a bankruptcy program at the end of XXXX XXXX.The courts notified Mr. Cooper and asked them if we good and they said yes so the bankruptcy courts could close our case. So we tried to refinance at the end of XXXX and in XXXX of XXXX too but due to their errors we got denied twice. They put {$78000.00} in a suspense account instead of directly applying the payments from the courts to our mortgage. When XXXX came someone at Mr.Coopers mortgage company tried to put the money here and there but they didn't put that money where it should have gone. We couldnt get Mr.Cooper to comply and correct their errors by phone or in writing. After several months of contacting them we also had to file a lawsuit against them. They breached the deed of trust and violated WCPA ( Washingtons Consumer Protection Act ) 1 ) They misrepresented the status of our account to the bankruptcy court and did not apply the payments until XXXX which created a deficiency not disclosed to the bankruptcy court and/or waived by Mr.Cooper through their omission.
2 ) They charged us costs and fees that were discharged by the bankruptcy court.
3 ) They overestimated our payoff and claimed we were delinquent in the mortgage verification that they provided to a 3rd party.
4 ) They charged us foreclosure fees that were duplicative, unlawful, deceptive or unfair.
5 ) They failed to comply with RESPA by including unlawful fees in the periodic statements. 6 ) They have failed to comply with Regulation X by not timely or accurately responding to our requests
7 ) They breached the contract by engaging in the above-referenced conduct.
8 ) They breached their implied duty of good faith and fair dealing.
9 ) They charged us property inspection fees that are unlawful pursuant to RCW 7.28.230 Mr.Cooper is going to continue practicing illegal mortgage practices which is unfair to their customers who dont have the money to fight them unless they are put out of business. They are crooks who would rather pay out millions in lawsuits than update their DOS data base system. They can not afford to update their system to correct their numerous errors and they should not be in business at all.
Company Response: Closed with explanation
2019-09-30
Chicago, IL
Written notification about debt
Debt collection: Mortgage debt
Didn't receive enough information to verify debt
Company Response: Closed with explanation
2019-09-30
Albuquerque, NM
False statements or representation
Debt collection: Mortgage debt
Attempted to collect wrong amount
Company Response: Closed with explanation
2019-09-28
Land O Lakes, FL
Trouble during payment process
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2019-09-28
Binghamton, NY
Trouble during payment process
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2019-09-28
Bronx, NY
Closing on a mortgage
Mortgage: Conventional home mortgage
Complaint: On XX/XX/2019 I applied for a refinance on my current mortgage with Nationstar d/b/a Mr. Cooper, I wanted to take out {$100000.00} cash.
After several months of back and forth e-mails submitting all the requested documents in a timely manner, with the loan processor, XXXX XXXX, it was like pulling teeth to get the status of my loan. Every time I went into the Mr. Cooper site, all I would see was " In review, '' and the closing date kept being pushed back about six times, maybe more. I would call Ms. XXXX or send an e-mail and she didn't know what the hold up was, and that she would send them a message.
Three month 's later, I finally get the message that my loan has been approved, but I still had to submit more documents, namely my insurance information. The whole process has been a nightmare dealing with Mr. Cooper, but still I submitted what was asked for.
After yet another e-mail, in which I initiated, I finally get an e-mail that she was going to try to set up the closing on Wednesday, XX/XX/XXXX or Thursday the XX/XX/XXXX.
I was super excited, the long-awaited day is finally here. The notary public arrived at XXXX with documents ready to be signed. Much to my surprise the amount on the document was about half of the {$100000.00} I requested! The Notary calls the attorney who told me that I can sign for the {$58000.00} and Mr. Cooper can submit the corrected documents, or not sign ... I said I am not signing anything, because that's not the amount I requested. Nobody told me that the loan amount was going to be significantly reduced.
I contacted Ms. XXXX, and she acted surprised and didn't have a clue on what happened. She went back into my account and said " Oh I see that in XXXX they reduced it '' ... a long pregnant pause ... but that she did not know why it was reduced. She would have XXXX XXXX, the person who initiated the loan call me.
Mr. XXXX called me and informed me that Ms. XXXX should have disclosed the fact that I could not borrow more than 70 % of what I owe on the loan ... that If I still wanted the XXXX it would be at a much higher rate, which was never given to me as an option. I told him she never did and she acted surprised. I told him I was furious as I've wasted months trying to secure this loan and provided everything asked of me and for it to conclude like this was disheartening. I told him that Mr. Cooper did not act in good faith and that I was going to file a complaint. He said he would have his supervisor " XXXX '' call me the next day. I have not heard from anyone to try to resolve this very unfortunate situation. And now I'm left in a terrible bind, as I needed that money to do some home repairs, buy a new vehicle and pay my son 's tuition.
Company Response: Closed with explanation
2019-09-27
Centennial, CO
Closing on a mortgage
Mortgage: Conventional home mortgage
Complaint: Mr. Cooper ( Nationstar Mortgage ) held our mortgage. When we sold, Mr. Cooper sent solicitations for mew mortgage.
Applied on XX/XX/19 for pre qualification letter. They sent me letter and checked my credit and employment history, charged me for appraisal. When inspection report came out furnace and outlets were defective, so withdrew offer.
Put offer on another house on XX/XX/19. Sent Mr. Cooper documentation. Then, just as house was about to close, they started asking me for documentation they had received from me 30 days earlier. Acted like they couldn't find employer. Then said there was a gap in employment from 17 months earlier - this is after charging me again for an appraisal. Would not approve or deny the loan despite 20 emails and calls. Would not reply as deadline for earnest money deposit came and went. Repeated this approximately a week later.
I had to liquidate my personal holdings to close on the house.
Never received an answer.
Did not respond to request to receive refund for 2 appraisals, or request to have regulatory officer return my call.
Did not respond for several weeks to multiple requests to reset my entry into loan tracker -- finally responded after I paid 2 appraisals and deadline for earnest money forfeiture had passed.
Company Response: Closed with explanation
2019-09-27
LA
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Complaint: I was sued judicially by Nationstar/Mr. Cooper. They never served me a copy of the summons and complaint, so I had no idea of anything. When I moved to vacate the default judgment, the court did not even look at it, as I would have likely settled the matter in mediation given the minute amount of past due, I was never given that chance and did not want to file for bankruptcy, so they sold the property for far less than the market value despite never serving me with anything. My tenant is going to leave, and now, because they didn't even look at the motion, not to mention I was in a trial modification, I lost my home.
Company Response: Closed with explanation
2019-09-27
Chester, NY
Struggling to pay mortgage
Mortgage: Other type of mortgage
Company Response: Closed with explanation
2019-09-27
Cannon Afb, NM
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-09-26
Euclid, OH
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: In XX/XX/2018 I received a letter from XXXX 's subservicer Nationstar about a {$79.00} delinquent property payment, which I promptly paid. Regardless, and without my permission Nationstar set up an escrow, and started paying my property taxes for me, more than doubling my mortgage. i had signed, and paid for, a waiver to not establish escrow.
Since XX/XX/XXXX, I have contacted Nationstar numerous times to inquire why they set up the escrow and how i can stop it.
In XX/XX/XXXX Nationstar informed me my county had requested the escrow. I called the county who denied they contacted Nationstar.
Nationstar continues to deny they made a mistake and insists on the escrow. They also insist on a $ XXXX " comfort payment, '' which is tantamount to extortion.
Nationstar has lost three lawsuits in California, New York and Massachusetts, respectively, for consumer fraud.
Nationstar had no basis for setting up an unwanted escrow and their activities vis a vis my account can only be viewed as a scam.
At one point, one representative said I could get rid of the escrow if I paid {$1700.00}, he was unable to tell me what that was for. Another representative later told me to forget about that offer.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-09-26
Conklingville, NY
Trouble during payment process
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2019-09-26
Randolph, MN
Trouble during payment process
Mortgage: FHA mortgage
Complaint: Good morning CFPB, In XX/XX/XXXX the servicing on my home mortgage was transferred from XXXX XXXX XXXX to NationStar Mortgage dba Mr. Cooper. Effective with my XX/XX/XXXX payment, I was instructed to begin making my monthly payments to Mr. Cooper.
I will note that I am in an active Chapter XXXX bankruptcy. At the time servicing was taken over by Mr. Cooper, there was a small amount owed in mortgage arrears, but I was nearly complete in paying my past due payments. By XX/XX/XXXX, I had completed all arrears payments and was once again current on my home mortgage.
The Problem : Since Mr. Cooper took over servicing on my account in XX/XX/XXXX, I have NOT received a monthly mortgage statement. I have contacted the lender multiple times in writing and via telephone requesting a mortgage statement. I was told my property was flagged for surrender and I stated that was completely inaccurate - the whole purpose of the Chapter XXXX bankruptcy was to keep the house. They performed research and discovered the account had been flagged incorrectly when servicing was transferred. The lender promised everything had been resolved and I should start receiving my monthly statement in XX/XX/XXXX,,, ,then it was going to be XX/XX/XXXX ... and now they've said I should receive it for the XX/XX/XXXX payment .... still nothing.
This lender has demonstrated a lack of accuracy and transparency in the handling of my mortgage account and my only tool for tracking and transparency is the monthly mortgage statement to which I am entitled as per the XX/XX/XXXX CFPB rule.
I would greatly appreciate assistance in achieving resolution with this matter.
Company Response: Closed with explanation
2019-09-26
Chicago, IL
Trouble during payment process
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2019-09-26
Brentwood, CA
Incorrect information on your report
Mortgage: Other type of mortgage
Company Response: Closed with explanation
2019-09-25
Beckley, WV
Attempts to collect debt not owed
Debt collection: Mortgage debt
Debt is not yours
Company Response: Closed with explanation
2019-09-25
Tacoma, WA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Company Response: Closed with explanation
2019-09-25
Middlefield, CT
Trouble during payment process
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2019-09-25
Las Vegas, NV
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Complaint: On or about XX/XX/XXXX, we refinanced a mortgage with XXXX XXXX XXXX, the originating lender, broker, organized and existing under the laws of the State of Georgia, who recorded a deed of trust and note on XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX, as a lein against property to act as security for payment. XXXX XXXX XXXX was working with its affiliate XXXX, XXXX XXXX XXXX d/b/a XXXX XXXX XXXX, or XXXX acting as a mortgage broker, banker, lender, or mortgage processor. It involved kickbacks among these companies.XXXX XXXX XXXX and XXXX XXXX XXXX were the mortgage brokers who took the loan application, Good Faith Estimate, HUD-1 Settlement Statement, Truth In Lending Disclosure, Appraisals, and other mortgage documents. This was a Predatory sub-prime abusive mortgage They charged very high origination broker fees, appraisal fees, and administration fees.
My complaint is XXXX XXXX XXXX was not licensed or registered to originate, lend or broker in the State of Nevada. XXXX XXXX XXXX, XXXX were unlicensed in the State of Nevada to do mortgages. Per the State of Nevada Department of Business and Industry Division of Mortgage Lending. They were operating illegally to process mortgage transactions, deed of trust, promissory notes and all the above mortgage documents. This may render all the above mortgage documents null and void. Unlicensed dealings in loans are prohibited : XXXX XXXX. These companies acted without malice to defraud, materially misrepresent, mislead, falsify and forge my signature on ( Good Faith Estimate, Truth In Lending Disclosure, Borrower Signature Authorization and Notice to the Home Loan Applicant ) mortgage documents causing Mortgage Lending Fraud NRS 205.372.. They are in Violation of the SAFE ACT Secure and Fair Enforcement of Mortgage Lending 2008 12 USC Chapter 51. For being an unlicensed broker, lender, and processor of mortgages. They have violated State, Federal and HUD laws Nationstar Mortgage is the current servicer of the loan and is attempting to do a wrongful foreclosure. We have been through 5 mediations over the past 11 years with XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and Nationstar Mortgage. None of the above were able to give a loan modification, principal reduction, or short payoff. But the lenders and servicers continue to use deceptive, fraudulent business practices to violate our lending rights. They state that XXXX XXXX XXXX XXXX XXXX is the current investor of the loan, but they have an assignment from XXXX XXXX XXXX XXXX Nationstar Mortgage as the last assignment on record. There is NO assignment from XXXX XXXX XXXX XXXX XXXX to Nationstar Mortgage. Causing a cloud on the title. Nationstar Mortgage is in breach of contract, breach of the implied duty of good faith and fair dealings. There are multiple issues that have led to XXXX XXXX XXXX XXXX XXXX XXXX 's fundamental inability to foreclose on the underlying note via the recorded Notice of Breach and Election to Sell. These reasons include the fact that : 1 ) the Notice of Trustee Sale is deficient ; 2 ) the actions by multiple holders of the underlying note have caused issue to standing and authority to foreclose ; 3 ) the originating lender XXXX XXXX XXXX XXXX XXXX XXXX XXXX were NOT LICENSED or registered in the State of Nevada to record the deed of trust or note, underwrite, or process mortgages without first being licensed to operate under Nevada law and federal law. Violating the SAFE ACT, RESPA, and TILA laws. XXXX XXXX can not make MERS a nominee in this deed of trust if they were an UNLICENSED MORTGAGE BROKER in the State of Nevada. MERS assignment to XXXX XXXX XXXX XXXX XXXX is Void and XXXX XXXX XXXX XXXX to Nationstar Mortgage is VOID. MERS shows a MIN status of " inactive '' means that the debt has been paid in full. Mortgages are deactivated when you make all the payments but also when you refinance. In a refinance, the original loan is listed as " Inactive -- Paid in Full, '' and you get a new active loan with a new XXXX. Nationstar Mortgage is overcharging fees for property inspections, attorney fees, administrative fees, etc. on this loan, which allows them to increase the payoff to a substantial amount due for their benefit only.
Company Response: Closed with explanation