NATIONSTAR MORTGAGE

2019-05-21

San Jose, CA

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2019-05-21

Brooklyn, NY

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2019-05-21

Baltimore, MD

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2019-05-21

San Jose, CA

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2019-05-21

Hollywood, FL

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2019-05-21

Johns Island, SC

Problem with a credit reporting company's investigation into an existing problem

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Difficulty submitting a dispute or getting information about a dispute over the phone
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-05-21

Tustin, CA

Problem with a credit reporting company's investigation into an existing problem

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2019-05-21

Santa Ysabel, CA

Struggling to pay mortgage

Mortgage: Other type of mortgage

Complaint: I began struggling to keep up on my mortgage in XXXX due to temp financial loss. I doubled up on my late payments twice to become current, but could not keep up. I spoke with the Mr. Cooper in XXXX regarding the options they notified me of having, ie : repayment plan, modification etc. They said at that time I was not eligible for anything. I did go ahead and apply for modification and they denied me. I spoke with them again in XXXX. The notice I received said nothing of being eligible for forbearance, only short sale etc. I will attached the notices. Every time I have called I have gotten the run around and basically just informed there's nothing they can do to help me make up the late payments which at the time were under 10K. They sent in into foreclosure only a few months of being behind, and would not work with me on anything. They then sent me another notice XX/XX/19 when the auction is scheduled for XX/XX/19 saying call us to discuss options, which I did, and and they said there's nothing they can do to help me, again. I just spent 1.5 hours with them on the phone right now with regard to delaying the auction so I can come up with the money, they notified me that a request was already submitted for that on XX/XX/19, and that it was denied because it was more than 7 days from the auction date. I did not submit this request, they did. They did not get my approval, and I assume they would have known it would be denied being more than 7 days from the auction date because they are aware of the policy, and that it would result in my being unable to request this within the 7 day time period. I requested it be done again and was informed I can not request it a second time, when I did not request it the first time. All I have received is a run a around and long holds, along with letters saying to call them so explore options only to be denied on everything each time I did.
Company Response: Closed with explanation

Timely Response

2019-05-21

OR

Struggling to pay mortgage

Mortgage: FHA mortgage

Complaint: We are working with the Oregon Foreclosure Avoidance ( OFA ) program and paid a small fee for that. We have no problem with them or the program, but we do with Mr. Cooper. We sent in the application for modification within that program on XX/XX/XXXX. The bank did not ask for any additional documents. We went to a Resolution Conference on XX/XX/XXXX. The bank representative stated that they had not considered the new application because they had just denied us for a modification in XXXX of XXXX. They said they did not look at the new application we sent in, in XXXX. We would like to complain that they did not follow guidelines and give us a determination based on the application sent to them on XXXX XX/XX/XXXX. I can get written statements from the housing counselor and the moderator of the Resolution Conference. Related to this, is that in the denial letter from XXXX, they stated that the application was denied because it didn't meet one or more of a list of reasons but didn't specify. During the meeting they said it was because the loan was originated after XX/XX/XXXX and that that was an FHA rule. I looked at FHA rules online and saw no such restriction. Thank you.
Company Response: Closed with explanation

Timely Response

2019-05-20

Murray, UT

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2019-05-20

Fred, VA

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2019-05-20

Vancouver, WA

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2019-05-20

Austin, TX

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: They are not applying my payments correctly. I contacted them on XX/XX/19 and was told that I'm paying interest in arrears, however according to my payment history that is not true. I was told that it is a fixed interest loan and that means that I will always pay the amount of interest billed, this is not what fixed interest rate means. I believe they were charging all of their customers inflated interest.
Company Response: Closed with explanation

Timely Response

2019-05-20

Salinas, CA

Trouble during payment process

Mortgage: Other type of mortgage

Company Response: Closed with explanation

Timely Response

2019-05-20

Hinkley, CA

Closing on a mortgage

Mortgage: FHA mortgage

Complaint: STATEMENT DATE XX/XX/2019 PAYMENT DUE DATE XX/XX/2019 LOAN NUMBER XXXX AMOUNT DUE PROPERTY ADDRES MR COOPER has not provided the funds described below. Closing was supposed to be finsihed in XX/XX/2019. Please investigate the issue funds due us at closing the loan. Where are the {$2200.00} funds that we have remaining? XXXX XXXX notified the title company that those funds where to deposited into our checking account ; they have not! Why? It has been going on for three weeks now. This shall be a complaint filed again to the Consumer Financial Protection Bureau ( CFPB ). Then we shall ask an attorney to file a claim in Superior Court of XXXX XXXX XXXX California! P.S. What is the problem??? XXXX XXXX XXXX XXXX
Company Response: Closed with explanation

Timely Response

2019-05-20

Greenwd, IN

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2019-05-20

Sarasota, FL

Trouble during payment process

Mortgage: FHA mortgage

Complaint: NUMEROUS VIOLATIONS OF REGULATION Z DOCUMENTED ADMITTED ... NEVER CORRECTED AS REQUIRED UNDER REGULATION Z XXXX XXXX, NATIONSTAR, XXXX XXXX, XXXX XXXX .... SEE ATTACHED FROM XXXX XXXX CIVIL CASE 2019 CA XXXX .... THE STATE OF FLORIDA TOOK IT SERIOUSLY ... LAST CHANCE FOR THESE DEFENDANTS TO COMPLY VOLUNTARILY ... SUMMARY JUDGEMENT HEARING ALREADY REQUESTED ... .THIS IS ONLY PART OF THE EVIDENCE WE COLLECTED ... THERSE DEFENDANTS WERE VERY BRAZEN IN THEIR DISREGARD OF THE TILA.. THEY THOUGHT DECEPTION MADE THEM IMMUNE ... IT WAS JUST THE OPPOSITE ... THE EXTENDED FRAUD EXTENDED THE STATUTE OF LIMITATIONS ... THE TRUTH WOULD HAVE SET THEM FREE ...
Company Response: Closed with explanation

Timely Response

2019-05-19

NJ

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Information belongs to someone else
Complaint: Dear CFPB, I, XXXX XXXX XXXX write to file a complaint against Nationstar Mortgage LLC. I formally request an investigation into the criminal misconduct and professional practices of XXXX County and Oklahoma state employees that I believe have wasted, defrauded, and abused account access to Veterans protected information which were used for employees personal benefit and violative of both state and federal laws. I feel compelled to bring certain matters to your attention after several state and federal agency responses have shown cause to file an official complaint as a defrauded Veteran. I am requesting a coordinated interagency investigation with specificity to county/state employee credit score reporting fraud, identity theft, mail tampering, harassment, FERPA violations, and falsified financial instruments which co-signers escalated into VA backed mortgage fraud. Since XX/XX/XXXX, I have been entrapped as a secondary co-signer due to fraudulent schemes that targeted and defrauded distressed active military and Veteran homeowners, investors, and financial institutions of fees, rental income, VA mortgage payment funds, property ownership and/or proceeds from the sale of their properties.My former residential property located at XXXX XXXX XXXX XXXX. in XXXX, Oklahoma was targeted by former property managers, a straw man tenant coordinator identified as XXXX XXXX, along with county/state employed family members who repeatedly leaked federally protected confidential information and intentionally damaged my credit rating with altered reports. Occupants withheld postal mail, official legal notifications, and created falsified loan documentation in an attempt to induce residential power sales. County and state employees circumvented regulatory processes in order to influence and force foreclosure short sales under homeowner duress and repeatedly violated the congressionally mandated Service-member Civil Relief Act ( SCRA ) protections. The XXXX County scheme involved aggravated identity theft, false representations to mortgage lenders on behalf of the out-of-state homeowners ( specifically, ex-spouses ). Unlawful VA loan modifications were provided to guarantying breach of contract XXXX Doe occupants with undisclosed violent XXXX predator criminal history and rental payments to new unsecured buyers without expressed written consent or fiduciary disclosure to the out of state owner. Damaged credit score reports further disclosed additional anomalies, vague student loan processor charges, and dozens of identical unauthorized credit applications. Significant accounting inconsistencies remain disputed between verified student loan disbursements, recent unsolicited VA funded vocational program claims, and unverified regional support charges. Neither my official divorce decree nor final court order awarding the division of real property to the ex-wife/secondary co-signer were disclosed to the financial institutions which approved and funded unlawful modifications to the VA backed mortgage.As the ex-wife, secondary co-signer, and a Veteran myself I was defrauded of funds and robbed of my good credit as a direct result of county and state employees criminal misconduct, as well as the willful negligence of the primary co-signer ( Mr. XXXX ). Over the past 72 months the VA funded schemes employed tactics which included misuse of identities, VA records tampering, and illegally amended tenant contractual agreements. In XX/XX/XXXX, a falsified court summons was hand delivered to the out of state secondary co-signer with a watermarked red ink Service Copy stamp placed in the top right hand corner of the document. The version I received as the secondary co-signer/ex-wife contained disinformation and did not match the legally binding digital file submitted and recorded by XXXX County clerk ( open records available to the public online, for a fee ). The additional 20+ pages attached to the hand delivered Service Copy revealed forged co-signatures with mismatched dates on multiple loans and financial instruments. The forgeries covered illegal consents to waive owner rights and altered property transfer disclosures spanning from XX/XX/XXXX through XX/XX/XXXX. Compared to authenticated original copies and contrasted by the digital county clerk, records exposed systematic fraud leading to the intentional targeting and defrauding of the ex-wife/secondary co-signer. The falsified summons further compounded the civil-criminal matter in XX/XX/XXXX when I was awarded a restraining order against the primary co-signer ( Mr. XXXX ) after receiving and documenting threatening electronic communications. After refusing to comply with the divorce decree and court ordered division of real property provisions, the restraining order witnessed statements included threats by the primary co-signer ( Mr. XXXX ) to burn down the house and then collect the insurance on the disputed VA backed residential property.
Company Response: Closed with explanation

Timely Response

2019-05-19

NJ

Trouble during payment process

Mortgage: VA mortgage

Complaint: After a contentious divorce Mr. XXXX and former tenants devised and executed a mortgage fraud scheme involving residential property located at XXXX XXXX XXXX XXXX. XXXX, Oklahoma and a forced foreclosure short sale. The scheme involved aggravated identity theft, false representations to mortgage lenders on behalf of the defrauded out-of-state owner ( ex-wife ), while guarantying tenants and rental payments to new buyers. Neither the official divorce decree nor final court order awarding the division of real property to the ex-wife were disclosed to the financial institutions which approved and funded the illegally refinanced ( VA backed ) mortgage loans and lines of credit.In XX/XX/XXXX, fraudulent lis pends ( foreclosure action ) copies were physically served to the ex-wife revealing her forged signature on numerous conflicting financial and legal court documents spanning from XX/XX/XXXX - XX/XX/XXXX. A temporary restraining order was issued against Mr. XXXX in XXXX, XXXX after he threatened his ex-wife with witnessed statements to burn down the house and collect the insurance on the disputed property. There has been no relief from the negative credit reporting, and no formal investigation or follow up response regarding the egregious interstate identity theft and unresolved VA backed mortgage fraud. Disputed Property Address : XXXX XXXX XXXX XXXX. XXXX, OK XXXX Original VA Loan Guarantor : XXXX XXXX XXXX SS # XXXX Ph : ( XXXX ) XXXX - XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Company Response: Closed with explanation

Timely Response

2019-05-17

Arvada, CO

Trouble during payment process

Mortgage: FHA mortgage

Complaint: This company refunded the {$370.00} and then waited 5 days and then added it back on I have paid ahead to my XXXX payments but they are stealing money as I said there are not late fees the late fees were part of the original payment arrangements with the original lender not Mr. Cooper. This company is sneaking and lying. Here is a full list of the transactions were they have lied about not charging late fees and then charged them where they credited back this false charge and then re-issued it. I find it ridiculous and I wish companies were not allowed to sell mortgages without consumer agreement. This is a terrible company to deal with. I demand full refund of the stolen funds. They have stolen the money and I want it all out back on my account. I would never ever choose to do business with such a fraudulent entity.
Company Response: Closed with explanation

Timely Response

2019-05-17

Chicago, IL

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: I am current on my payments so far. The problem is I am late on the month of XX/XX/XXXX and the month of XX/XX/XXXX the XX/XX/XXXX payment has already been paid and yes maybe the other payment I have paid them a bit late but I am current. I am experiencing a fraud situation with the bank that I currently make the payments with. There was fraudulent activity going on and as I have disputed the transaction and open a claim complaint with the bank. They said it would take up to 90 days to solve this matter and because it was more than 2000 dollar they need to further investigate. My account was hacked as some hacker took my debit card numbers and hack them and used them in the state of Ohio and California I live in Illinois and have not shopped in those states. I have informed me.cooper about my situation and they have denied to help me by not reporting it to the credit bureau as late payment and also to wave the late fees for XX/XX/XXXX and XX/XX/XXXX but they refused to as I explained the reasons of why I need there help its just the late fees. They have already issue a new late fee this month but I sent them a pdf letter explaining the reasons of what was happening with the bank account and they still refused to not wave the late fees. I am very happy that they have gave me all this much help but I need help now too this late fees were not my fault as I intend to pay o time before the XX/XX/XXXX or XX/XX/XXXX of echa month to avoid the late fee charge.
Company Response: Closed with explanation

Timely Response

2019-05-17

Oxford, GA

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: Nationstar Mortgage aka Mr. Cooper has my mortgage payoff funds in their possession for about {$92000.00} to pay off my mortgage since XX/XX/2019. They will not apply the funds to the account due to some technicality. They are reporting me as late to the credit bureaus for 6 months.This matter has now caused irreparable damage to my credit. My credit card companies are now closing my accounts due to " serious delinquencies '' on my credit report -- -all as a result of this unfair treatment by Nationstar . And, of course when the credit card company closes an account that drags down my credit score even more. To add insult to injury, Nationstar continue to assess late fees to the mortgage account even though they are in possession of the payoff funds. They have offered no solutions to me and continue to hold the {$92000.00} and report me as late. I feel that they operated in total reckless regard for me as their client.They have caused irreparable damage to my credit well-being which I rely heavily on. They have offered no solutions or remedies and told me that they could hold the funds and report me as late for as long as they needed to. They also told me that they would not correct their credit reporting because " technically I was late since I did not make any monthly payments ''. I am totally disgusted with Nationstar and their negligence. I have written and called them too many times to count. Each time I get tossed around like a hot potato and can get no resolution.
Company Response: Closed with explanation

Timely Response

2019-05-17

Milpitas, CA

Applying for a mortgage or refinancing an existing mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2019-05-16

Capitol Heights, MD

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2019-05-16

Baychester, NY

Attempts to collect debt not owed

Debt collection: Mortgage debt

Debt was paid
Company Response: Closed with explanation

Timely Response