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 38
2019-05-29
Fairbanks, AK
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: XX/XX/2019- We are a senior couple. We purchased a home and closed on it a year ago with XXXX XXXX. 5 months ago the note was sold to Mr. Cooper.
Although we make our home payments with escrow, these companies did not and are not paying the home insurance on time!
This leaves our home uninsured and uncovered for risk. We live on the Gulf coast in a high rsk area. After the time has lapsed they have submitted insurance payment but we received virtually zero coverage for the alotted time. This happens because these mortgage lenders control the escrow money and it's dispursements.
Basically it is robbery since we have never been reinbursed for time ( s ) our home was not covered due to their neglect.
Mr. Cooper purchased our loan ( 5 ) months ago. They too held our money paid into escrow. we called and they told us we could NOT close our escrow with them and pay our insurance and taxes ourselves! Our insurance went into default with Mr. Cooper 's escrow! We had to pay an additional {$500.00} because of their neglect to pay ( while they withheld all our insurance money in their escrow!
Our insurance agents date and time stamped requests for money went unanswered!
Last year during Hurricane Micheal XXXX completely neglected to pay our FEMA flood insurance. Astonishingly they paid it LATE -on the very day that the hurricane had already PASSED our area. You guessed it, no refund and NO refund. XXXX had our insurance money in escrow at the time. We basically got zero coverage for the hurricane! But we Still HAD TO PAY and that was on time!
It MUST BE NICE to charge people for insurance, and enjoy a virtually RISK FREE profit.
We are quite upset that we have had to not only endure the risk but also pay the fines when they are Neglectful.
Mr. Cooper has refused to close our escrow account. How can it be legal for them to FORCE us to use a service they are pretty bad at? Every time they pay our bills late in the escrow it costs them nothing and profits the insurance folks risk free bottom line-
Company Response: Closed with explanation
2019-05-28
NY
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Complaint: Company continues to report a debt that was discharged in bankruptcy in XX/XX/XXXX to credit reporting agencies up toXX/XX/XXXX negatively affecting credit score.
XXXX XXXX XXXX currently is reporting the debt and held the debt at the time of the bankruptcy filing, Nationstar Loan Management held the debt prior to XXXX and also is continuing to report the same debt.
Company Response: Closed with explanation
2019-05-28
Center Moreland, PA
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2019-05-28
Reynolds Station, KY
Trouble during payment process
Mortgage: Other type of mortgage
Complaint: An attorney named XXXX XXXX XXXX took XXXX $ cash money from me and XXXX $ from my mother - she has my original deeds, documents and more and refuses to give them back. XXXX has not given me proper legal representation which has resulted in a myriad of legal and financial and family problems- I have been taken advantage of and my ex husband as well as the city of XXXX Ky stand to gain a huge amount of money from me by fraud. The mortgage company XXXX - DBA Mr Cooper has tried to foreclose more approx 4 times. Im positive the mortgage has been satisfied and there is money due me from equity paid in - I believe it is in the title companies name and I want my money back ASAP.
Company Response: Closed with explanation
2019-05-28
Sarasota, FL
Trouble during payment process
Mortgage: FHA mortgage
Complaint: ***CRIMINAL INTENT TO DEFRAUD BY NATIONSTAR ATTORNEY***NATIONSTAR IS REFUSING TO ACCEPT PAYMENTS ON A LOAN THAT IS CURRENT*** We spoke with XXXX XXXX @ XXXX in Customer Service escalations and we also spoke to XXXX XXXX in XXXX Texas . BOTH confirmed that Nationstar put a " code 91 '' on the file ... AN INTERNAL INSTRUCTION TO REFUSE TO SERVICE THE LOAN in direct violation of Federal Law. They claim to have an attorney handling it but the Attorney never returns phone calls .... THEY ARE TRYING TO STEAL THE HOME AND DEFRAUD THE FEDERAL GOVERNMENT ... An update on this case We have the mortgage broker admitting loan origination fraud making everyone else guilty of intentionally misleading the Senior citizen victim. Attached are an updated list of additional violations. Retaliation is illegal. The Victim is simply enforcing their consumer rights .... PLEASE HELP .... THIS IS HOW THEY ARE STEALING HOMES .... FRAUD .... NATIONSTAR INTERNAL CODE 91 A REFUSAL TO ACCEPT THE XX/XX/2019 PAYMENT IS RETALIATION FOR FILING A LAWSUIT PLEASE SEE CASE # XXXX XXXX XXXX IN XXXX COUNTY THESE CRIMINALS ARE GUILTY ... GUILTY ... GUILTY ... AND ADMITTED IT
Company Response: Closed with explanation
2019-05-28
Glenarden, MD
Trouble during payment process
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2019-05-27
Leeton, UT
Trouble during payment process
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2019-05-27
Bend, OR
Trouble during payment process
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2019-05-27
Bellview, FL
Struggling to pay mortgage
Mortgage: FHA mortgage
Complaint: Nationstar Mortgage, LLC illegally acquired " servicing rights '' to my mortgage from Aurora Loan Services , LLC and Aurora XXXX XXXX in XX/XX/XXXX. Aurora Loan Services , XXXX filed a fraudulent assignment of mortgage in regards to my property on XX/XX/XXXX. AURORA LOAN SERVICES XXXX was doing business as a loan originator. This assignment of mortgage was recorded 11 years after the original XX/XX/XXXX mortgage .XXXX XXXX allegedly sold my mortgage in XX/XX/XXXX to XXXX XXXX XXXX , XXXX , who in return allegedly sold the mortgage to XXXX , the note was securitized as XXXX XX/XX/XXXX XXXX. XXXX XXXX did not own the mortgage or the note when it sold both to XXXX XXXX XXXX XXXX denies the sale but a class action law suit against XXXX XXXX by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX shows the loan was paid in full.
XXXX XXXX XXXX XXXX , XXXX was still collecting payments for XXXX XXXX XXXX XXXX , XXXX in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. XXXX XXXX XXXX XXXX , XXXX was defunct in XX/XX/XXXX and no longer existed.
An assignment of mortgage was allegedly executed on XX/XX/XXXX, which was prepared by XXXX XXXX, XXXX. The assignment of mortgage has 6 different companies involved and involves 6 different states. The assignment purports to assign the note and the mortgage to XXXX XXXX XXXX XXXX XXXX and states that XXXX XXXX XXXX XXXX XXXX paid {$10.00} for the note and the mortgage. My husband nor I did not agree to any electronic transaction and did not contract with any of the companies on the assignment of mortgage. XXXX XXXX XXXX is a known fraudulent document mill and has been ruled that this company has no right to assign or prepare assignments of mortgage. This assignment of mortgage purports XXXX XXXX XXXX XXXX XXXX to be the sole assignee ( NOT A NOMINEE, BENEFICIARY, TRUST OR TRUSTEE ) and the owner of the note and mortgage and states XXXX XXXX XXXX XXXX , XXXX is entitled to payments and interest. This alone constitutes a breach of contract, as XXXX XXXX XXXX XXXX, XXXX does not buy or sell mortgages and does not collect payments, or hold notes or mortgages or copies of notes or mortgages.
The assignee of the mortgage is a completely different company than the company that prepared the assignment and is also a completely different company than the company that recorded the assignment. The assignor is allegedly XXXX XXXX XXXX, XXXX f/k/a XXXX XXXX XXXX XXXX , XXXX located in XXXX, NC. The assignee is XXXX XXXX XXXX XXXX, XXXX and the address states the company is in XXXX Michigan. The company that prepared the document is XXXX XXXX XXXX, located in XXXX XXXX, Idaho. XXXX XXXX is also on this assignment as a loan XXXX top left of the assignment of mortgage. At the time this document was executed in XX/XX/XXXX and also at the time the document was recorded, in XX/XX/XXXX, Aurora Loan services , XXXX was not licensed in the state of Florida to do business in regards to mortgages. At the time the document was executed in XX/XX/XXXX and also at the time of recording, XXXX XXXX XXXX, XXXX f/k/a XXXX XXXX XXXX XXXX , XXXX was not licensed in the state of Florida to do business in regards to mortgages. In fact, XXXX XXXX XXXX XXXX , XXXX ( who was the last known owner of the note ) had been out of business for more than 2 years when the assignment was executed. This is odd since the last endorsement on the XX/XX/XXXX promissory note is by XXXX XXXX XXXX XXXX XXXX. but the assignment of mortgage was allegedly executed by XXXX XXXX XXXX, XXXX f/k/a/ XXXX XXXX XXXX XXXX , XXXX . This assignment of mortgage purports to assign the mortgage and the note to XXXX XXXX XXXX XXXX XXXX XXXX and alleges that XXXX XXXXXXXX XXXX XXXX , XXXX paid {$10.00} for the mortgage and note as the sole assignee and owner of both documents, NOT as a beneficiary or nominee. The assignment of mortgage also states that XXXX XXXX XXXX XXXX , XXXX is entitled to payments and interest. This completely goes against MERS own guidelines. My husband and I are the property owners and neither of us agreed to an electronic transaction. Neither my husband nor myself signed a contract with any of the companies on the assignment of mortgage. Mortgage assignments by a matter of law, are supposed to be prepared by the owner of the mortgage and note, not by third parties, which are in no way affiliated with the contract or the owner. This mortgage assignment is a breach of contract and is a fraudulent assignment of mortgage. This is not an original MERS mortgage. This is not an agreed to assignment of mortgage. None of the entities involved in this assignment are the original lender and none of the entities involved have ties to the XX/XX/XXXX promissory note.
Furthermore, the assignment of mortgage shows XX/XX/XXXX XXXX XXXX XXXX , XXXX as the sole assignee, not a nominee, beneficiary, trust or trustee.
It is my understanding that XXXX XXXX XXXX XXXX , XXXX has NO interest in the note or the mortgage and does not hold either. The promissory note and the mortgage are never encumbered by XXXX XXXX XXXX XXXX , XXXX and therefore title can not be transferred by XXXX XXXX XXXX XXXX , XXXX as the assignor to another entity. Without payment of value ( UCC Article 9-203 ( b ) ( 1 ) the encumbrance can not be enforced. This is law, not some opinion.
Where assignments are involved, the assignment is a nullity unless the following elements are present : 1.The Assignor owns the debt or is the authorized representative of the owner of the debt, who is identified. If that condition is true then either the Assignor funded the loan or the previous party paid value for the loan. 2.The Assignor has sold the debt to the Assignee for value either through a transaction that specifies sale of the debt or through a transaction in which the note or encumbrance is purchased for value, which means money paid in hand. 3.The Assignee paid value for the debt, note and mortgage. This means that the owner of all three debt, note and mortgage are the same party. 4.Both the Assignor and the Assignee must be actual legal persons.
This assignment of mortgage has tainted the chain of title to my property. The assignment dated XX/XX/XXXX and not recorded until XX/XX/XXXX has also tainted the chain of title to my property, as it has resulted in a fraudulent foreclosure on my homestead, which is my primary residence. The XXXX County First Judicial Court has allowed these assignments to be recorded, when they clearly do not follow the Florida Statutes requirements for Corporate Assignment of Mortgage. There is no Corporate Seal on the XX/XX/XXXX assignment. There are no witness signatures and there is no vice president or president signature.
XXXX XXXX XXXX XXXX, XXXX DOES NOT have a license to conduct any business in the state of Florida. XXXX XXXX XXXX XXXX, XXXX does not have the authority to transfer promissory notes or mortgages or any interest in either.
I want justice. This is fraud and I have suffered damages by this fraudulent action and the XXXX XXXXunty land records have been tainted by these fraudulent assignments.
NATIONSTAR MORTGAGE, LLC A/K/A MR. COOPER has stated multiple times in response to QWR that XXXX XXXX owns the note and mortgage. There is no assignment to any trust with regard to my property. Nationstar Mortgage, LLC has repeatedly stated W12005 FNMA REMIC trust owns the note and mortgage. How can a servicer still be collecting money on a " XXXX XXXX '' loan that NEVER happened from XXXX? My mortgage and note were assigned to XXXX XXXX XXXX XXXX, XXXX 10 years after the original mortgage and the assignment was not recorded until 11 years after the original mortgage. My mortgage is supposedly part of a XXXX XXXX XXXX Trust W1 XXXX to be exact and I find this odd since the maturity date on my promissory note is XX/XX/XXXX and the trust supposedly has a date that lasts until XX/XX/XXXX. This is 50 years after the original XX/XX/XXXX mortgage, which never had anything at all to do with any trust according to the land records in XXXX County Florida.
Mortgage assignment was allegedly executed XX/XX/XXXX not recorded until XX/XX/XXXX. FNMA W1 XXXX closing date was XX/XX/XXXX. Assignment from XXXX XXXX XXXX XXXX , XXXX allegedly executed XX/XX/XXXX but not recorded till XX/XX/XXXX.
Both of these assignments of mortgage are falsified documents and are void. Nationstar Mortgage, LLC knowingly added the original mortgagee to the assignment of mortgage in an attempt to create a valid chain of title to the original XX/XX/XXXX mortgage and note, when in fact, there is NOTHING to tie Nationstar Mortgage, LLC to the original mortgagee, XX/XX/XXXX note or mortgage.
Nationstar Mortgage d/b/a Mr. Cooper has continued to pursue a debt that does not exist on a mortgage and note which are void. Nationstar Mortgage d/b/a Mr. Cooper has kept me in court for 3 years over an alleged principle balance of {$19000.00} and has run up over {$30000.00} in attorney fees. Nationstar Mortgage, LLC has been sending people to my home for months taking pictures, invading my privacy and my right to peaceful use of my homestead property. Nationstar Mortgage, LLC sent a man to my home who verbally threatened me and told me I have 25 days to get out of my home. When we ask who these people are, we were told " The mortgage company does not want me to talk to you ''. The man who threatened me said he was a realtor for the investor. When asked who the investor is, he said The client. He would not give his name or the alleged clients name. Nationstar Mortgage, LLC DOES NOT OWN MY PROPERTY. The deed is in my name. There has not been a certificate of title issued and any further attempts to send people to my home will result in that individual going to jail for trespassing.
Furthermore, Mr. Cooper still has not responded to the QWR which was mailed in XX/XX/XXXX.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX Mr. Cooper XXXX. XXXX XXXX XXXX, TX XXXX Dear Mr. Cooper, I received your correspondence dated XXXX XXXX in regard to the account you have on file XXXX. In the correspondence, you have stated " Some information you have requested does not pertain directly to the servicing of the loan, does not identify any specific servicing errors, and/or is considered proprietary and confidential. Therefore, this information is considered outside the scope of information that must be provided. '' First of all, for there to be " servicing on the loan '', there has to be a loan. I have never had a loan from Nationstar Mortgage, LLC nor have I ever had a loan from Mr. Cooper. There is no loan. A loan does not exist. There are no legal documents to prove a loan exists from either company. If no loan exists, a debt does not exist. There is no document to tie Nationstar Mortgage, LLC or Mr. Cooper to any title, mortgage or note in regard to my personal real property located at XXXX XXXX XXXX XXXX, FL XXXX.
In the correspondence, Mr. Cooper states " our records indicate XXXX XXXX XXXX XXXX XXXX XXXX for XXXX XXXX Remic Trust XXXX-W1, is the current owner of the note. '' Federal legislation passed in XXXX ( Section 404 of the Truth in Lending Act ) requires that anyone who acquires ownership of a mortgage loan must provide the borrower with a notice that the acquirer is the new owner ( and if they use a servicing agent to collect payments, the name of the servicer ). Section 1463 of the Dodd-Frank legislation enacted in XX/XX/XXXX also requires servicers to disclose the owner of the loan within ten days upon written request from the borrower. I never received a notice from XXXX stating they are the owner of the mortgage or note. In fact, I have information to reflect that no one owns the note or has the legal right to collect on the note.
Pursuant to Fl Rules of Civil Procedures real party in interest rule 1.210 ( a ) A servicer filing a complaint in its own name can prosecute an action as an agent of the mortgage owner and holder but the agent must present evidence that the real party in interest joined or ratified the agents action. Please provide proof that XXXX, has joined or ratified this action by Nationstar Mortgage, LLC to file a lawsuit/foreclosure against my property. Nationstar Mortgage, LLC is not the real party in interest, as your records indicate that XXXX is the current owner of the alleged mortgage. There is no mortgage executed in the name of XXXX or a trust, nominee, beneficiary or trustee. Nationstar Mortgage, LLC executed an assignment of mortgage as the assignor and assignee to itself from XXXX XXXX XXXX XXXX , XXXX, which is not authorized by corporate resolution from XXXX XXXX XXXX XXXX , XXXX. The unauthorized corporate assignment omits the corporate seal of XXXX XXXX XXXX XXXX XXXX and also omits the signatures of two witnesses. The Corporate seal of the assignor and the signature of two witnesses are a requirement to transfer interest to real property or to assign a mortgage in the state of Florida.
The correspondence also states that we agreed to elect XXXX XXXX XXXX XXXX XXXX at the origination of the loan as nominee. Your records are incorrect. The loan was originated with XXXX XXXX in XX/XX/XXXX. The assignment of mortgage to XXXX XXXX XXXX XXXX, XXXX occurred in XX/XX/XXXX and was not recorded until XX/XX/XXXX. It was recorded by Aurora Loan Services , XXXX, who did not have a license in the state of Florida and who did not, does not and never did own the note or the mortgage. XXXX XXXX XXXX and XXXX XXXX XXXX did not agree to any assignment of mortgage to XXXX XXXX XXXX XXXX XXXX. The XXXX County land records indicate that Mortgage XXXX XXXX XXXX XXXX XXXX is the SOLE ASSIGNEE AND OWNER OF THE MORTGAGE AND THE NOTE AND THAT THEY ARE THE ONLY PARTY WHO OWNS THE NOTE AND THE MORTGAGE.
There is no true creditor. Pursuant to the FDCPA, Nationstar Mortgage, LLC is a debt collector who is attempting to collect on a debt that does not exist and which has no true creditor. Nationstar Mortgage, LLC acquired the " servicing rights '' from a company ( Aurora Loan Services , LLC ) who did not own the loan and did not have a license in the state of Florida to do business as a mortgage servicer. Aurora Bank XXXX reported that the balance on the alleged loan is zero. In order for Nationstar Mortgage, LLC to collect on the alleged debt, Nationstar Mortgage, LLC would have to have purchased the debt from a seller with the authority to sell it.
The original loan in regard to this property was an XXXX loan. Nationstar Mortgage, LLC a/k/a Mr. Cooper has never paid any XXXX insurance on the account you have on record as XXXX. There is no XXXX insurance and there has not been FHA insurance since 2006. There is no loan. The account number you have on file is a fictitious account number made up by Nationstar Mortgage, XXXX in an attempt to collect on a debt that does not exist. Sending me records of the fictitious account number created by Nationstar Mortgage, LLC showing debits and credits from an account number that is not the original loan number associated with the original mortgage proves nothing. Prove the debt exists.
Furthermore, there is no documentation in regards to a trust associated with my property and the note was endorsed in blank by an unauthorized party using the title " attorney in fact ''. There is no power of attorney. To endorse a note as " attorney in fact '', there has to be a recorded power of attorney with 2 witness signatures, and a notary signature giving the agent power to act for the principle. Fannie Mae selling guide indicates that no endorsement of a promissory note can be delegated to an " attorney in fact ''. NO BANK will accept a promissory note endorsed by an " attorney in fact ''.
The promissory note Mr. Cooper is attempting to collect upon is void due to the unauthorized signature. The mortgage document filed as the original contains a forged signature by the use of color aid.
My mother is dying. She is home hospice and I am her sole care giver. Nationstar Mortgage, LLC a/k/a Mr. Cooper has continued to pursue a debt which does not exist when there is no secured creditor and the mortgage contract was breached by forgery and the note is void. Mr. Cooper has caused me to lose precious time with my family that I can never regain over lies and a fraudulent foreclosure on a debt that does not exist.
Nationstar Mortgage, LLC changed its tarnished name to Mr. Cooper in hopes of gaining the trust of the American people and in an effort for people to relate to the company as a friendly neighbor or common person. You can change your name but you can't change the fact that your company is built upon fraud, forgery, lies, deceit, fraudulent documents and tearing apart the lives of people who don't legally owe you a dime. The truth is coming. Mr. Cooper can't hide behind its name change forever and eventually, karma finds everyone.
Sincerely, XXXX XXXX
Company Response: Closed with explanation
2019-05-27
FL
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2019-05-24
Yonkers, NY
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Other personal consumer report
Information belongs to someone else
Company Response: Closed with explanation
2019-05-24
Middletown, NJ
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Complaint: I have been contacted by the attorneys for Nationstar Mortgage aka Mr. Cooper. There has been a motion filed to collect a mortgage debt on my XXXX XXXX mortgage. I am currently in chapter 13 and they have filed for a stay. I had no knowledge of nor did I sign anything having to do with that property. No amount of explanation has resulted in anyone listening to what I can prove. I now must incur legal fees I obviously cant afford to defend against this. My father has been dead more than five years a fact that they could easily verify. I am XXXX and in bankruptcy! I consider this unfair prosecution. Im being harassed by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, PA XXXX. The fact that a company that can recover losses on a mortgage via foreclosure and mortgage insurance amplified the unbelievable greed of this company. I may have been related but I am not responsible for a debt I did not incur or know about! Nothing has been done thus far to prevent these kind of unfair mortgage lender practices.
Sincerely frustrated, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX
Company Response: Closed with explanation
2019-05-24
Edmond, OK
Improper use of your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Reporting company used your report improperly
Complaint: XX/XX/XXXX Complaint of Identity Theft and False Impersonation regarding XXXX Tradeline for Nationstar Mortgage Tradeline Account XXXX in XXXX XXXX XXXX Credit File Made to the XXXX XXXX US Attorneys Office at XXXX XXXX XX/XX/XXXX, sent to the Oklahoma Attorney General in response to OK AG REFERRAL NUMBER XXXX, the OKDOCC, the CFPB, and on the Court Record in XXXX XXXX, and reported to the DAs Office, and the FBI, along with XXXX XXXX XXXX XXXX XXXX XXXX. to XXXX XXXX XXXX, XXXX and XXXX XXXX at XXXX XXXX XXXX XXXX, to XXXX XXXX, XXXX XXXX and Mr. XXXX at the OKDOCC, and to be furnished to Congresswoman XXXX office for review and referral to the FTC when an investigation occurs on or after a hearing set in the above stated case XX/XX/XXXX occurs after XXXX XXXX This dispute is not repetitive, meant to harass Nationstar or their Counsel, nor is it a frivolous claim and I am in need of immediate assistance before Nationstar and their Counsel attempt any further action against me to cause me distress or financial or credit scoring damages.
To whom it may concern and to be filed on the record XX/XX/XXXX in XXXX XXXX as new evidence and to report my identity has been compromised and I have been impersonated to report a false claim of admission of delinquency in a way to disparage me through XXXX credit file on me on Thursday XX/XX/XXXX as I did not call or otherwise contact XXXX on this date at all.
I am in a dispute civilly with Nationstar Mortgage LLC dba Mr. Cooper over the justness of and whether an award for attorneys fees based on a Nationstar Motion to Dismiss in XXXX County District Court XXXX XXXX that was sustained on jurisdictional grounds only not based on the merit of my claims against Nationstar Mortgage LLC dba Mr. Cooper is conscionable due to what I believe are currently ongoing breaches of contract not made in an original petition in this case.
After a case for a claim of default in XX/XX/XXXX, Nationstar overcharged me for interest in breach of my note in adjustable charges under section 4 over charging me but specifically under section 2 in Nationstars increase of my fixed interest without disclosure and Nationstars failure to disclose a XXXX a month increase to my 3 final fixed interest charges after I sold my home and the default claim was null and cured.
Nationstar failed to refund me for these overcharged interest charges of {$370.00}, except only to give me miscellaneous refund of {$180.00} prior to my knowledge of the interest overcharges and afterward in XX/XX/XXXX forward.
There is currently a breach of the mortgage in the Oklahoma Universal Mortgages Universal Covenant section 2 in Nationstars failure and refusal to use the required order of payment application that has caused confusion over the last 3 years.
There is also a previously undisclosed reversal of 8 payments that remain outstanding in charges of {$1800.00} that Nationstars Counsel states is for accounting, but yet the payments are stated to be partial payments unapplied, and this seems to be the cause of repeated patterns of Nationstar reporting that my loan # XXXX is currently past due by 120+ days, that I have only made a partial actual final payment or that I am current tense paying Nationstar under a partial payment agreement causing me to lose now over 400 credit scoring points due to Nationstars actions.
I am at risk of further damages I believe besides the {$25000.00} in what I believe to be unjust and unconscionable attorneys fees due to ongoing breaches of the contract the {$25000.00} was allegedly allowed under contract and statute, of further damage besides ongoing repeated inaccurate current delinquency being reported to my credit files and loss of credit scores.
Monday XX/XX/XXXX, I was told by XXXX XXXX XXXX, Counsel for Nationstar Mortgage that in fact Nationstar could not update my XXXX tradeline for Nationstar because XXXX blocked Nationstar from accessing the credit file of mine. I called XXXX, recorded XXXX stating that Nationstar was in no way blocked from updating their own creditor tradeline.
I emailed the full phone call between XXXX and myself XX/XX/XXXX to Nationstars Counsel to achieve an immediate correction, along with emailing attorney XXXX XXXX at XXXX XXXX XXXX XXXX, and Oklahoma Department of Consumer Credits Administrator XXXX XXXX, Deputy Administrator XXXX XXXX, Examiner Mr. XXXX.
Thursday XX/XX/XXXX, I called XXXX to see what party corrected my current status at XXXX under the Nationstar Tradeline XX/XX/XXXX, and if the update to the tradeline was to my written XX/XX/XXXX dispute XXXX received on XX/XX/XXXX, to which XXXX said No, it was in response to your XX/XX/XXXX dispute made by phone that your delinquency was caused by delayed insurance payments.
I disputed to XXXX in two different phone calls Thursday XX/XX/XXXX making this dispute or even calling XXXX at all XX/XX/XXXX.
Thursday XX/XX/XXXX, I called XXXX XXXX XXXX, Counsel of Record for Nationstar, and asked Mr. XXXX if he had in fact emailed the recording I forwarded to him XX/XX/XXXX to Nationstar and he stated Yes.
I believe this action was taken by someone at Nationstar in the small department with access to my account due to litigation, in retaliation against me due to my current filing of a Petition to Vacate the Final Order in XXXX XXXX and due to regulatory complaints made by myself to the OKDOCC and the CFPB, in my effort to seek relief from Nationstars damaging actions.
XXXX requires more information than just birth date and social security number to allow a consumer to access of their own credit file and make disputes or changes through XXXX, including providing answers to three verification questions derived from information located in the consumers current credit file.
Unfortunately, I had included my current verified answers to verification questions in the emailed XXXX recording between XXXX and myself on XX/XX/XXXX to Mr. XXXX on behalf of Nationstar, to attorney XXXX XXXX at XXXX XXXX XXXX XXXX, and Oklahoma Department of Consumer Credits Administrator XXXX XXXX, Deputy Administrator XXXX XXXX, Examiner Mr. XXXX.
I do not believe Mr. XXXX or anyone at the OKDOCC called and impersonated me on XX/XX/XXXX at XXXX.
I did not call XXXX Thursday XX/XX/XXXX and someone else did impersonating me and claiming I was delinquent on the Nationstar tradeline, specifically due to a delayed insurance payment, which is impossible as of the date reported of XX/XX/XXXX, because I no longer have title to the home and havent since XX/XX/XXXX, and wouldnt make this claim anyway to anyone much less XXXX.
I am reporting to each of you that someone accessed my credit file XX/XX/XXXX by impersonating me, made a false credit reporting dispute on my behalf at XXXX XX/XX/XXXX per XXXX, that was adverse in its clear statement stating that I am currently delinquent in my Nationstar account due to a delay in insurance payments on a home I havent owned for 4 years and 10 months.
I am afraid of further damage to my credit file at XXXX by whomever impersonated me as recorded from XXXX twice to me today XX/XX/XXXX, and who used my verification answers and personal identifiers that were clearly stated in the XX/XX/XXXX emailed recording sent to Nationstar through their Counsel by email XX/XX/XXXX to prove to Nationstars Counsel that in fact XXXX wasnt blocking Nationstar from updating the inaccurate current status as of XX/XX/XXXX as currently 120+ days past due, to access my XXXX Credit File under false pretenses to make a false dispute - on top of my only dispute to XXXX dated XX/XX/XXXX in a written dispute not ever responded to by Nationstar Mortgage LLC dba Mr. Cooper after my dispute was delivered to this company on my behalf by XXXX .
XXXX has the XX/XX/XXXX phone dispute I didnt make recorded of another person impersonating me, and I have XXXX stating this occurred twice recorded on XX/XX/XXXX, as evidence this claim is made to me by XXXX and is in XXXX best understanding accurate, and as proof that my extreme concern of identity theft is real, substantiated, and a valid complaint as I am making to each of your agencies.
Please inform me if your agency can help me immediately, as Im not represented.
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX OK XXXX XXXX
Company Response: Closed with explanation
2019-05-24
S Rockwood, MI
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: Nationstar/ mr cooper foreclosed on our home in XXXX XXXX Michigan if 16 years. We learned of this sheriff sale by a city clerk XX/XX/XXXX. The sale took place XX/XX/XXXX. I called mr cooper to resolve only to discover they wanted {$14000.00}. They refused anything less even though I showed proof of payments. It is now passed the Redemption period and we don't know what to do. Our home was returned to XXXX XXXX. I wrote to nationstar/mr cooper and included XXXX XXXX, asking them to unwind this wrongful foreclosure that was brought about by finds and fees unknown to us.
Can someone please help.
Nationstar/Mr. Cooper Attn : Customer Relations/Community Manager MrXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Mr. XXXX XXXX, You responded to me on XX/XX/XXXX regarding my complaint below in a email dated XXXX XXXX, XXXX only to tell me there's nothing you can do, which you could imagine that's the sameresponce I received through- out this wrongful foreclosure. You said that you hold executive authority to undue any fault you found. I then asked you a question ; if you had ever been foreclosed on. You answered ; No - but knew what I was going through. Mr.XXXX, there's no way you can even imagine what a family goes through unless you lived it. With that being said, did you investigate my account? What reason did you ( Mr. Cooper/Nationstar, loan servicers ) have that authorized you to foreclosure on our home? Below, is an accurate view of my account that you would have reviewed and Immediately you would have see that there was no cause for you ( Mr. Cooper/Nationstar, loan servicers ) to do what you done foreclosing on us. Seems that you used a return payment scheme to put my loan behind. The question is why? Mr. Cooper/Nationstar threatening homeowners with foreclosure to pay your imposed finesand assorted fees is extortion. I have read where ( Mr. Cooper/Nationstar ) get paid more money foreclosing on homeowners than you do servicing mortgage loans of homeowners. Is that true Mr. XXXX? I've read where Mr. Cooper/Nationstar have been sued acrossthe Nation for illegal acts against homeowners for these wrongful foreclosure tricks and schemes. Mr. Cooper/Nationstar, does this violate my Bill Of Rights or any Federal and or State laws? If so, I would like you ( Mr. Cooper/Nationstar ) to make EVERY EFFORTto reverse this wrongful foreclosure immediately.
Mr. XXXX, I should not have to tell you how hard my family and I had to work and saved for years to buy our house or tell you the heartbreak, stress and XXXX that you and Mr. Cooper/Nationstar has purposely caused us for your financial gain.I have children in school and that this is the only place they call home and now we live in fear from one day to the next. Put yourself in those shoes Mr. XXXX and then tell me how you and Mr. Cooper/Nationstar will gladly reinstate our loan. I want you toremember how I begged and pleaded with your loan specialists for help that you advertise to help homeowners. I estimate 10 months of you and Mr. Cooper/Nationstar not accepting payments that would amount to be approximately to be {$10000.00} that I want topay towards.q
Company Response: Closed with explanation
2019-05-23
Tucker, GA
Problem with a credit reporting company's investigation into an existing problem
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Their investigation did not fix an error on your report
Company Response: Closed with explanation
2019-05-23
Duncanville, TX
Trouble during payment process
Mortgage: Other type of mortgage
Company Response: Closed with explanation
2019-05-23
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2019-05-23
Trouble during payment process
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2019-05-23
NY
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: On XX/XX/XXXX, XXXX XXXX offered me a 12-month repayment plan through my servicer, Seterus, so that I could get current on my payments.
I made the XX/XX/XXXX and XX/XX/XXXX payments as scheduled but then, at the end of XX/XX/XXXX, I learned that my mortgage was being transferred to a new servicer, Mr Cooper.
As early as XX/XX/XXXX, I had submitted inquiries to Seterus regarding what I saw as an inaccuracy in the calculated monthly payments which bundled XX/XX/XXXX as a 'delinquent ' amount into the repayment amount spread out of 12 months on top of the base mortgage.
The problem, as I saw it, is that XX/XX/XXXX was not delinquent when this was calculated in XX/XX/XXXX.
When Mr Cooper took over my mortgage servicing in XX/XX/XXXX, I reached out to them at the beginning of the month for instruction on how to keep paying my monthly repayment plan. They told me I would have to wait until early XX/XX/XXXX to receive instruction. So, for XX/XX/XXXX I was unable to make a payment.
Then, in XX/XX/XXXX, I was able to set up an online account and make the next payment.
On XX/XX/XXXX, I sent an email to Mr Cooper 's research department stating that I wished to pursue the issue of the inaccuracy on my repayment amount. To date, they have not responded to this request.
This week, I received a letter from them ( dated XX/XX/XXXX ) stating that I had not made any payments towards my repayment plan so they were replacing this offer with their own trial modification offer. This letter is completely inaccurate. Since XX/XX/XXXX, I have made 3 payments towards my plan. The only reason I didn't make a payment in XX/XX/XXXX is because Mr Cooper advised me to wait while they processed my files.
When I attempted to make a payment this month, I found that they had replaced my 12 month repayment amount with their own trial modification amount.
I do not wish to take their trial modification. I wish to continue with my 12 month repayment plan and have made best efforts to do so since my loan was transferred to Mr Cooper.
I have written them an extensive letter which I will upload, along with this complaint, that contains a detailed timeline of my communications both with Seterus and Mr Cooper.
The desired outcomes of this complaint are # 1 -to have Mr Cooper correct its information regarding how much I have already paid toward my repayment plan # 2 - to look into my concern that the monthly repayment amount, because of the way it was implemented by Seterus , is actually too high and # 3- to let me continue making payments on the 12 month repayment plan worked out with XXXX XXXX last XX/XX/XXXX.
Company Response: Closed with explanation
2019-05-23
Mabank, TX
Trouble during payment process
Mortgage: FHA mortgage
Complaint: My original fixed rate loan for the past 3 years was with XXXX with no issues or problems. Mr. Cooper Mortgage took over my original loan XX/XX/2019. My transferred escrow balance from XXXX was XXXX. That transferred balance does not show up on the papers from Mr.Cooper Mortgage. Within two months after taking over my loan, they claimed my escrow was XXXX short. I paid this in full. They also changed my fix rate original contract from XXXX a month to XXXX a month. I know taxes go up, but the amount they charged my escrow seems extreme. I never had this type of extreme shortage with XXXX. XXXX from my payments goes into my escrow each month. Since Mr. Cooper Mortgage took over my mortgage, several things are not right. I have bought several homes and never had these types of issues. My payments would have jumped to XXXX if the escrow was not paid in full. Because it was paid in full, they still raised my payments to XXXX. I don't believe they can raise my payments from my contract
Company Response: Closed with explanation
2019-05-22
N Hollywood, CA
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2019-05-22
Lk Buena Vis, FL
Closing on a mortgage
Mortgage: Conventional home mortgage
Complaint: This financial institution NationStar Mortgage LLC, has sued me in a foreclosure in which I have asked for a validation of that debt in which the institution assumes to be the representative of XXXX XXXX XXXX XXXX XXXX, Trustee, on my property which I have asked to be the institution supposed to be the account creditor, I have requested, as you have obtained this note and mortgage, I want your department to intervene in questioning the operation of this financial institution NationStar Mortgage LLC, since this institution was fined in the past by your department for numerous federal and state violations regarding the procedure of becoming account owners in an inappropriate manner, not following the federal laws and regulations of the finance department that requires you to comply with the law, such as RESPA, TILA, where the procedures for obtaining consumer accounts and respecting all procedures must continue to apply. established by federal law of The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies.
Company Response: Closed with explanation
2019-05-22
Colts Neck, NJ
Struggling to pay mortgage
Mortgage: Reverse mortgage
Company Response: Closed with explanation
2019-05-22
Palos Park, IL
Struggling to pay mortgage
Mortgage: FHA mortgage
Complaint: In XX/XX/XXXX, I began the process of requesting a loan modification with a previous lender. In XX/XX/XXXX, all documents were completed and submitted to previous lender. In XX/XX/XXXX, the previous lender was bought out by Mr. Cooper who then assumed our loan. On XX/XX/XXXX I spoke with XXXX in loan mod dept and he advised all documents necessary were received and under review. On XX/XX/XXXX, I spoke with XXXX in loan mod dept and he advised specific items were missing. These items were completed and submitted via email on XX/XX/XXXX with no response. On XX/XX/XXXX, we filed for Ch. XXXX bankruptcy but advised that we still wished to proceed with the loan modification. On XX/XX/XXXX I spoke with XXXX who advised they needed an authorization signed by bankruptcy attorney to speak with me about our loan. On XX/XX/XXXX my attorney 's office faxed the signed form to the number provided. On XX/XX/XXXX I spoke with XXXX XXXX who told me missing items needed for loan mod review. She advised I could email the documents directly to her and she would send them to underwriting for review. XXXX sent me an email with her contact information so I could send the documents. That same day, I emailed to her the missing documents with no response. On XX/XX/XXXX I called and spoke with XXXX who attempted to connect me to XXXX but I had to leave a VM. XXXX advised that the documents I emailed to XXXX had not been uploaded into the system yet but assured me that XXXX would return my call. I never received an email or call response from XXXX.
On XX/XX/XXXX I returned a call to XXXX XXXX in bankruptcy dept and left VM. XXXX returned my call on XX/XX/XXXX and advised that he can not speak with me about the loan mod until they receive the authorization form from my attorney. I told him it had been sent on XXXX and that I had previously spoken with XXXX and XXXX. He would not discuss anything further. On XX/XX/XXXX I spoke with XXXX XXXX in bankruptcy dept who advised the authorization form still had not been uploaded. He provided me with his email address so I, or my attorney, could send it directly to him. On XX/XX/XXXX I received a copy of the authorization form from my attorney and called Mr. Cooper - I spoke with XXXX XXXX in the bankruptcy department and emailed her the form directly. She proceeded to upload the form for me and then advised that underwriting required a RMA form and number of people in the household for review, but I told her that the original RMA I completed was from a prior lender. She could not send me an updated one because I am in active bankruptcy. However, she told me that a letter was sent to my attorney of record with the information. My attorney denies ever receiving anything from Mr. Cooper on my behalf. XXXX went on to advise that in her experience, proceeding with a modification when we are only " a couple months '' behind isn't worth it.
Later that day, I called and asked to speak with a supervisor. I spoke with XXXX, supervisor in the bankruptcy department who explained that the original RMA is outdated and to contact my attorney of record as they were sent an updated RMA form and the missing documents letter. I contacted my attorney who still had not received anything on my behalf from Mr. Cooper.
On XX/XX/XXXX I called my attorney again and confirmed no letter was received from Mr. Cooper. I called Mr. Cooper and spoke with XXXX who told me I could download the RMA/UBA form from their website. I downloaded the form, completed it and emailed it to the required address on XX/XX/XXXX. I never received an automated email response as I was told would happen so on XX/XX/XXXX I called to follow up. I spoke with XXXX in the bankruptcy dept and she stated that documents have not been received. She transferred me to XXXX, the supervisor, again. XXXX promised to look into the problem and return my call on XX/XX/XXXX at XXXX CST. I never received a return call.
On XX/XX/XXXX I still had not received a call or email so I contacted Mr. Cooper and spoke with XXXX in the bankruptcy dept. After much research, XXXX was able to confirm that the RMA form had been received but they still required the number of people in our household. I told her I had attached a Word document with the RMA to include that information. She told me, for the first time, that an editable document will be automatically rejected by the system so I converted the form to pdf and resent it via email.
On XX/XX/XXXX I still have not received an email verification that my items were received so I called to follow up. I spoke with XXXX and then XXXX, supervisor, and expressed my frustrations with the automated system and length in processing. I was told that there is a 72 hour processing time for emails to be received and uploaded in to the system. When I asked why I never received a call back from XXXX or XXXX or an email verification, she simply told me that technology isn't perfect and she's sorry that I'm frustrated.
This process has been going on 6 months just to be considered for a modification ( 4 months with Mr. Cooper ). We are now 3 months behind on the mortgage and terrified of losing our home. I have expressed this every time I have called but I can't help feeling that Mr. Cooper is deliberately using stall tactics to force us into a situation where we either give up and find a way to pay what we owe, or they will move for foreclosure.
Company Response: Closed with explanation
2019-05-22
Tampa, FL
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: The property subject to the mortgage was demolished due to FEMA flood regulations. After the demo of the property Mr Cooper requested proof of flood insurance.
Mr Cooper was provided with : A copy of the demolition permit A signed letter from the contractor stating the property was demolished Email chain from the insurance provider stating that flood coverage is not provided for vacant land Despite calling and providing written notice that no structure that is eligible for flood insurance is on the property Mr. Cooper purchased force placed coverage on the property.
On XX/XX/2019 I contacted XXXX, the company providing the force placed coverage and inquired how they determined the value of the structure. ( {$170000.00} ) XXXX stated this value you was provided by Mr. cooper. Mr Cooper provided this information knowing that no structure is on the property that is eligible for flood coverage.
Company Response: Closed with explanation