NATIONSTAR MORTGAGE

2019-02-08

Buena Ventura Lakes, FL

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2019-02-08

Kent, WA

Trouble during payment process

Mortgage: VA mortgage

Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers Closed with explanation

Timely Response

2019-02-08

Encino, CA

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2019-02-08

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

Mortgage: FHA mortgage

Company Response: Closed with explanation

Timely Response

2019-02-07

Oxford, GA

Trouble during payment process

Mortgage: FHA mortgage

Complaint: hello I made my Mortgage payment on XX/XX/2019, and I have been concerned about my payments not posting on my credit report so I called XXXX XXXX concerning that and come to find out the company had switched to Mr. Cooper with no notice I have not received a letter telling us the mortgage had changed and also that they have not received my payment yet I'm very concerned about this matter, Mr Cooper tried to assure me that I had 60 days but what if the payment never shows or after 60 days then what I made my payment to XXXX XXXX on time and the day before it was due and I need them to rectify this now, FYI the CSR had me to call my credit union to confirm payment and she did confirm with him on the phone that the payment was made on the XXXX and I talk to another rep today and she said the companies just switched on the XXXX
Company Response: Closed with explanation

Timely Response

2019-02-07

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2019-02-07

Chicago, IL

Unable to get your credit report or credit score

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

Other problem getting your report or credit score
Complaint: On XXXX of 2018 Mr. Cooper ( mortgage servicer ) offer me a repayment plan omitting XXXX payment. At that time I was assured that this would not have a penalty. At this time I am trying to refinance my loan to make a bill consolidation and save some money but I was informed by the lender that I could not do it because my mortgage account reported a XXXX x XXXX on my mortgage, even though I am making my payments according to the payment arrangement. I have contacted Mr. Cooper and they acknowledge that I am making my payments according to the payment arrangement but they are not willing to correct the information on the credit report.
Company Response: Closed with explanation

Timely Response

2019-02-07

Beaver Falls, PA

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2019-02-07

San Diego, CA

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2019-02-07

San Diego, CA

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2019-02-07

IL

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: Good morning, My name is XXXX XXXX and I am XXXX XXXX 's fiance. We're filing this complaint, today, because there are a number of very serious issues with the loan modification that was done for us by Nationstar Mortgage - now Mr. Cooper. We purchased our home in XX/XX/XXXX and refinanced in XX/XX/XXXX. At the time when we refinanced, we paid {$150000.00}. We were doing fine, until XX/XX/XXXX when a series of unfortunate happenings occurred. Nationstar was happy to assist us and the attached paperwork is the result of their work. As you can see, in the modification documents, the POST modification Principal Balance amount is {$190000.00}. they took all of our past due payments, the interest, late fees and legal fees and simply added them to the principal balance. This put us at roughly 150 % loan to value. Which, is against Federal and HAMP guidelines. I'd like to ask you to look further at the documents and you'll see that this is 'titled ' as a HAMP Modification. However, when I spoke with a representative at Mr. Cooper, on the XXXX, we were informed that our modification was, indeed an in-house Tier 2 modification. These are some very alarming and disturbing issues. The current value of our home is roughly {$120000.00} and Mr. Cooper is refusing to assist us, as my fiance has been on standby from his construction work since last XX/XX/XXXX. He's about to go back to work next week and we have more than enough disposable income to resolve this issue and get back to the good faith payments. We're asking that you assist us with resolving this matter amicably and to the best of our interest. What we're looking for is a proper loan modification - with the past due payments recapitalized into the remaining 37 years of the note, as well as, a Current Market Value appraisal of our home, so we will be paying a fair market value. You can reach out to me at XXXX or my fianc at XXXX who is on the note I'm on title, any time. Thank you and we appreciate your assistance with this matter!
Company Response: Closed with explanation

Timely Response

2019-02-07

Struggling to pay mortgage

Mortgage: Other type of mortgage

Company Response: Closed with explanation

Timely Response

2019-02-06

MI

Closing on a mortgage

Mortgage: Conventional home mortgage

Complaint: On XX/XX/18 I closed on a refinance Mortgage with XXXX XXXX NMLS : XXXX a broker with XXXX XXXX and XXXX XXXX. I was told that I would get back {$8500.00} at closing. They took almost {$6000.00} in fees for the interest rate. I was never consulted regarding this and never informed. I found out only when I received the cash back check several days later. When I asked where the rest of the money was XXXX XXXX from XXXX XXXX didnt provide me with an explanation, despite my effort to contact him until XX/XX/18 inhibiting my ability to rescind the loan. To add insult to injury, XXXX XXXX sold my loan to XXXX XXXX shortly after my threats to contact you.
Company Response: Closed with explanation

Timely Response

2019-02-06

Columbia, PA

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2019-02-06

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2019-02-06

San Gabriel, CA

Struggling to pay mortgage

Mortgage: Other type of mortgage

Company Response: Closed with explanation

Timely Response

2019-02-06

Hack, NJ

Trouble during payment process

Mortgage: Other type of mortgage

Company Response: Closed with explanation

Timely Response

2019-02-06

Sarasota, FL

Trouble during payment process

Mortgage: FHA mortgage

Complaint: ***ATTN CFPB ***EVIDENCE ATTACHED*** CRIMINAL CORPORATE CULTURE EXPOSED *** FAILURE TO CREDIT PAYMENTS, CONSUMER FRAUD, MORTGAGE FRAUD, ILLEGAL DEMAND LETTERS, ESCROW FRAUD, MORE # 1FAILURE TO CREDIT PAYMENTS ... ON XX/XX/XXXX AT XXXX XXXX EASTERN TIME I MADE THE XX/XX/XXXX XX/XX/XXXX AND XX/XX/XXXX PAYMENTS ... I LATER RECEIVED A STATEMENT SHOWING MY NEXT PAYMENT IS DUE XX/XX/XXXX ( COPY ATTACHED ) # 2 MY LOAN IS PAID AHEAD BUT I STILL GET AN ILLEGAL THREAT TO FORECLOSE ... SAYING MY LOAN IS IN DEFAULT ( COPY ATTACHED ) CONSUMER FRAUD AND MORTGAGE FRAUD # 3 I ALSO RECIEVED AN ILLEGAL DEMAND LETTER, PART OF THE TERROR TACTICS THIS COMPANY USES. IF XX/XX/XXXX AND XX/XX/XXXX WERE TRULY LATE I WOULD OWE XXXX AND A SMALL LATE FEE ... APROX {$90.00} ... INSTEAD I GET AN ILLEGAL DEMAND FOR XXXX MORE CONSUMER AND MORTGAGE FRAUD. ( COPY ATTACHED ) # 4 THIS COMPANY ROUTINELY STEALS PRINCIPAL WITHOUT CREDIT BUT THIS IS THE FIRST TIME WE HAVE PAID AHEAD AND HAD AN ILLEGAL FORECLOSURE THREAT. # 5 THEY ARE DOING THIS BECAUSE WE ARE FILING A LAWSUIT AGAINST THE CEO AND SEVERAL REPS PERSONALLY IN ADDITION TO THE CORPORATION. # 6 WE HAVE AN EYEWITNESS ( THE LOAN BROKER ) THAT CONFIRMED SEVERAL VIOLATIONS OF THE TRUTH IN LENDING ACT BY XXXX XXXX. HIS NAME IS CEO XXXX XXXX @ XXXX XXXX # 6 WE ARE PAST THE DEADLINE FOR AN OUT OF COURT SETTLEMENT SO AS WE MOVE FORWARD HERE ... THIS DISGUSTING MOVE TO ILLEGALLY STEAL THIS HOME ONCE AGAIN EXPOSES THE LACK OF REGARD FOR THE LAW THIS ORGANIZATION HAS. THEY ARE LITERALLY LAWLESS. # 7 YOU WILL NOTICE XXXX IS DUE INSTAED OF THE XXXX THAT IS ACTUALLY DUE ... THIS IS ALSO FRAUD ... FEES FROM A FORECLOSURE THEY SAID THEY WERE NOT DOING TWO YEARS AGO ... THEY PAID PEOPLE THEY WERE NOT SUPPOSED TO LIKE INSPECTORS AND ATTORNIES ... AND BILLED US ILLEGALLY
Company Response: Closed with explanation

Timely Response

2019-02-06

Browns Mills, NJ

Struggling to pay mortgage

Mortgage: Other type of mortgage

Complaint: This complaint is filed against Nationstar Mortgage, LLC, d/b/k Mr. Cooper ( Nationstar ) for the many improper and possibly illegal servicing practices they have conducted against me in clear violation of the CFPB Rules. Specifically rules governing TILA, RESPA and prohibitions against Dual Tracking. My complaint outlines the deceptive actions taken by Nationstar on behalf of the alleged Plaintiff, XXXX XXXX, XXXX XXXX as Trustee for the Holders of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mortgage Pass-Through Certificates XXXX XXXX ( XXXX XXXX ) in New Jersey Foreclosure Case Number XXXX. Nationstar most probably acquired the mortgage servicing rights for the loan in question through the purchase of $ XXXX worth of Mortgage Servicing Rights for XXXX from XXXX XXXX XXXX in XXXX. See https : XXXX Two different Assignment of Mortgages were recorded with the XXXX County Clerk , Assignments are as follows ; 1 ) Instrument number XXXX, Book XXXX, Page XXXX, recorded on XX/XX/XXXX. Assigns the Mortgage from Address ; XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX to Nationstar Mortgage, LLC dated XX/XX/XXXX. There are at least four entities which share this address ; XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX, XXXX. Which one are they referring? This Assignment of Mortgage is facially invalid ; the Grantor can not be determined on the face of the Instrument. 2 ) Instrument number XXXX, Book XXXX XXXX, Page XXXX, recorded on XX/XX/XXXX, Assignment of Mortgage from XXXX XXXX XXXX XXXX. successor by merger to XXXX XXXX XXXX, by Nationstar its Attorney in Fact to XXXX XXXX, dated XX/XX/XXXX and signed XX/XX/XXXX, This Assignment of Mortgage is facially invalid ; there is no Power of Attorney recorded with this Instrument granting the authority of Attorney in Fact to Nationstar. How could XXXX XXXX XXXX XXXX. assign the Mortgage? it was previously assigned to Nationstar by a part of XXXX XXXX XXXX at the Address ; XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. What role does XXXX XXXX XXXX XXXX. still hold if any? Based upon my payment records to XXXX XXXX XXXX, from XX/XX/XXXX through of XX/XX/XXXX payments were made to XXXX, DESC : XXXX, Co. ID:XXXX, well before and after the cutoff dates for the XXXX XXXX Trust. I have to question if the loan was ever delivered to theTrust because the payments did not change to pay the Trust. XXXX XXXX was the holder/owner of the loan until XXXX, which is really XXXX XXXX XXXX since they bought out XXXX XXXX in XXXX. Did the Private Label Trust XXXX XXXX Trust really qualify for the Mortgage Pass-Through status or did Nationstar purchase the loan in the bulk buy at a considerable discount? Considering the Assignment 1, is assigned from an address and not an entity it does comply with the requirements of section 7.20 of the Agreement dated XX/XX/XXXX, between XXXX XXXX XXXX XXXX. and Nationstar Mortgage, LLC. Section 7.20. Use of Name. Except as otherwise required by applicable law, Purchaser shall not use Sellers name in connection with Purchasers or its designees servicing of the Mortgage Loans or ownership of the Purchased Assets after each applicable Servicing Transfer Date, and shall remove all references to the name of Seller in materials and communications used in connection with Purchasers or its designees servicing of the Mortgage Loans or ownership of the Purchased Assets promptly after such Servicing Transfer Date. See full Agreement at ; https : XXXX In the Foreclosure Case, XXXX, the Chain of Title cited only the Assignment of Mortgage, ( number 2 above ) which supported the Foreclosure Action. I made issue of this in my pleadings stating facts where laws and rules were being violated but they went unheard due to my lack of legal knowledge regarding courtroom procedures, the deceptive practices, presumptions and faulty documents. I have two letters from XXXX XXXX XXXX dated XX/XX/XXXX and XXXX, XXXX, naming XXXX XXXX ( XXXX XXXX ) as the holder/owner of the loan. When I could no longer afford to make the payments to XXXX XXXX XXXX in XXXX, years before Nationstar gained the Servicing Rights and XXXX XXXX Assignment as Trustee both recorded Assignment of Mortgage were in XXXX. Both the Note and Mortgage are Defective Instruments in XXXX, breaking the Security Interest and making this a wrongful foreclosure action. The National Settlement reached between the Government and XXXX XXXX XXXX XXXX XXXX XXXX EXHIBIT on the SEC website did contain the XXXX XXXX Trust in Annex XXXX, but the case is sealed from the people which I feel is improper considering we the people bailed them out of hot water for playing fast and loose with homeowners mortgages and investors money to increase the banks assets and profits on the stock market or other investments. The mortgage was transferred from XXXX XXXX XXXX XXXX. as Servicer for XXXX XXXX ( XXXX XXXX ) as holder/owner to Nationstar and XXXX XXXX right before the settlement was signed. The Loan Modification I received on XX/XX/XXXX, was a XXXX XXXX XXXX XXXX stating Nationstar Mortgage, LLC is the Servicer or Lender ( Lender ) and first lien holder on the original loan with XXXX XXXX in XXXX. Both of these statements are untrue, unless they meant it will be true once the Loan Modification is signed. The Loan Modification only cites the original Mortgage with XXXX XXXX and It appears that filing two different Assignment of Mortgages was a fortunate mistake or a planned action to support the deception. The proposed Loan Modification had no mention of XXXX XXXX, as if it never existed. That has been my assertion in my Answer along with other facts supporting my belief that Nationstar is merely a debt collector with no right to the Security Instrument and the Plaintiff XXXX XXXX is not the real party in interest or maybe not a party at all. See my previous CFPB Complaint Number XXXX, regarding Nationstar, XXXX XXXX and the Attorneys failure to comply with the New Jersey Debt Collector Bonding Requirements. I did not press the issue at the time since I thought I was in serious loan modification negotiations, not a series of deliberate actions to keep me in the dark and ensuring I never received Notices, advising me not to pay since my account had a surplus, late and last minute receipt of documents with no explanation and standing ready for the Sheriff Sale in an instant. This is a clear violation of the CFPB Rules Prohibiting Dual Tracking in addition to the deception of account balances in surplus and verbally misleading me to justify the sale. While preparing for Trial I was hit with a Summary Judgment and without being able to address my facts and law I was silenced and Summary Judgment was granted. When I got home in shock there was a letter approving me for Court Mediation. I submitted my mediation package for Loss Mitigation at the time I filed my Answer in XX/XX/XXXX. Isnt that curious? Should the Foreclosure Case have ever been commenced under the CFPB rules? I pursued a loan modification in good faith, not because I believe I owe a debt to the Plaintiff, but because I found no remedy in court. While in Active Loss Mitigation, Trial Period payments were made, the Plaintiff motioned for Final Judgment which was granted. I was unaware of this since I was assured by Plaintiffs Attorney nothing would happen while in mediation. A letter was submitted by the Plaintiffs Attorney to Withdrawal the Motion for Final Judgment but it was stamped received but not filed, by the court. Once again I was totally unaware of these actions and non actions because I received no Notice. The court file states it was electronically sent to the Attorney for the Defendant ; one big problem I did not retain an Attorney for the foreclosure case so where were these documents sent and to whom? if in fact they were sent. On XX/XX/XXXX, a Sheriff Sale Notice was anonymously taped to my front door. After contacting the court and asking how could this be without Notice of Final Judgment? Magically on XX/XX/XXXX, I received a letter from the Plaintiffs Attorney serving as Notice of Final Judgment,14 months after the fact. Unaware of any of these actions I requested and received my court Foreclosure File disc XX/XX/XXXX. This is how I discovered the Request to Withdrawal the Final Judgment and had I been properly noticed I would have addressed the issue at that time. It seems that Notice was supposedly sent to the Defendant electronically ; the major problem being no one informed me of this change and I do not possess a user ID ( Bar ID ) so I was never noticed on these actions in clear violation of CFPB rules. Being caught totally off guard, with a sale looming in two weeks and after using my two adjournments I filed for Bankruptcy but I did not have time to prepare a defense in a different court, different forms and procedures, before the case was dismissed. Next I retained a Law Firm specializing in getting loan modifications. I was approved for a trial period yet again but I never received any paperwork. I made the three payments XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and still no paperwork, I was assured it was coming, the Trial Period letter finally was received on XX/XX/XXXX, after the trial period was over. By now I am thinking I was scammed and then a package arrived, it was a XXXX XXXX XXXX XXXX and it states Nationstar as the Lender and first lien holder to my original mortgage loan, both of which are untrue statements. Now I feel foolish I had to be scammed, how could a separate entity never mentioned in the Foreclosure Case, XXXX, offer me a loan modification? by what authority? I had checked the XXXX XXXX look up tool several times over the past few years and every time it reported back XXXX XXXX does not own your loan. Right after I received the XXXX XXXX XXXX XXXX, I was notified of the return of the remainder of the monthly retainer from the loan modification Law Firm since their job was done and I received the Modification. Wow. I could not even question them. I called my Nationstar dedicated loan representative, XXXX XXXX, he was replaced. When I asked my new dedicated loan specialist, XXXX XXXX, if I make the same payment as the trial period payments, he said since I was approved for a Mod and I do not have to do anything right now since my account is over {$3000.00} in credit, I asked how could that be and he said just wait for the Modification. Since he had no record of the Modification yet I could not ask if the one I got was real I did not correct him I needed answers to my questions. I was stuck between a rock and a hard place ; pressure to sign a knowingly false document or have them sell it out from under me. Every month I have been threatened by Sheriff Sale, then just prior to the sale it is adjourned and rescheduled for the next month. The whole time I was in active Loan Mitigation and once again a clear violation of the CFPB Rules. I questioned my Attorney from the loan modification Law Group and he said he would take care of it and not to worry. I guess he did not take care of it. An Alias Writ of Execution was submitted on XX/XX/XXXX, by the Attorney for the Plaintiff without my knowledge and once again I never received Notice. The file says it was electronically delivered, to where, to who? How and when was I informed that all case documents are now only to be delivered electronically and no longer delivered by mail? This is clearly a pattern of deceptive practices taking advantage of the situation and purposely not informing the defendant. I searched and searched for an attorney to discuss this situation but had no luck, none are interested. I needed answers to my questions, what are the implications and repercussions of signing a contract which I know contains untrue facts? Would I be a party to the deception? Would I be legitimizing the theft of real property? With these major questions along with the decision to sign a contract doubling the principle, adding over {$85000.00} of new money and extending the loan to forty years without any details for the home I have lived in for 29 years. I began researching. On XX/XX/XXXX, I received a puzzling piece of mail from Nationstar stating over {$8000.00} surplus in my escrow account. Now utterly confused, how could I believe any number provided by Nationstar? I never made any payments to Nationstar/XXXX XXXX under the original mortgage. By now the return date and payment date of XX/XX/XXXX, on the proposed XXXX XXXX XXXX XXXX had passed, how could I sign a knowingly false and now already defaulted contract from parties outside those parties I contracted with for the loan in question? Right before XXXX I received a regular piece of mail from Mr. Cooper aka Nationstar, I marked the dateXX/XX/XXXX, on the outside and set it aside nothing special. After the holiday going through the mail and hidden in the bulk of the letter on the second page are deadlines for the other two loss mitigation remedies each of which had passed the week of XXXX, it was less than one week to decide. I called Nationstar aka Mr. Cooper and asked who owns my loan and the response I got was the computer states they acquired the loan from XXXX XXXX XXXX in XXXX and there is no reference to XXXX XXXX at all. I asked again who owns my loan ; the answer was XXXX XXXX is the Investor. I asked again who owns my loan and the answer was you own the loan. Then I asked how could you go forward with the foreclosure sale when you are holding three trial period payments? The answer was we just keep it. There is no contract with Nationstar that authorizes them to keep those payments. With Nationstars already inflated accounting regarding my original loan and no opportunity to address any objections to their accounting since I never received Notice. Next I called the Attorney for the Plaintiff ( XXXX XXXX, Nationstar, XXXX XXXX XXXX XXXX. or XXXX XXXX, I have no idea by now ) and asked how could I receive a loan modification from a party outside the Plaintiff in the Foreclosure? The answer was we work for Nationstar and we do not know anything about the modification or XXXX XXXX. When I questioned who is the Plaintiff XXXX XXXX and the answer was all I know is we work for Nationstar. I faxed a copy of the proposed modification to the Attorneys but no notice was taken or answers given on my questions and no time to stop the wrongful sale. The Sheriff Sale went through on XX/XX/XXXX, the starting bid was around {$170000.00}, so the Sheriff announced it was sold to the Plaintiff for {$100.00}, they did not state the name of the Plaintiff. I filed for Bankruptcy on XX/XX/XXXX, to allow time for my responses. On XX/XX/XXXX, a man attempted entry into my home demanding he inspect the property for the bank, when I said no and informed him I was in Bankruptcy he said I know but I need to inspect the property and he attempted to walk in again, I slammed the door shut, locked it got my coat and went outside. I asked what bank? He said, I do not know. I asked who sent you. He said XXXX XXXX XXXX. I asked do you have a card and a point of contact for the XXXX XXXX XXXX. He handed me a form letter of how he was hired to manage the property. On XX/XX/XXXX, I received a XXXX XXXX letter from the law firm for Nationstar in Florida regarding Proposed Relocation Assistance, which states, Nationstar Mortgage LLC, the new owner, may be willing to pay you to vacate the property on a mutually agreeable date. This confirms that the Foreclosure case XXXX, was filed under a fictitious entity to hide the fact that no underlying debt existed to allow this foreclosure action and knowingly false documents were submitted to court ; thereby defrauding the court. This is a clear violation of the CFPB Rules, not to mention the IRS, SEC and court rules and regulations. On XX/XX/XXXX, I received a letter from the Plantiffs Attorney, now we know it was Nationstar ( not sure if alone or in conjunction with XXXX XXXX XXXX XXXX. ) dated XX/XX/XXXX. This letter states, You are hereby notified that possession is demanded by XXXX XXXX, XXXX XXXX, as Trustee for XXXX XXXX XXXX XXXX XXXX XXXX, Mortgage Pass-Through Certificates, XXXX XXXX c/o Nationstar Mortgage LLC d/b/k Mr. Cooper which was the highest bidder at the sale, and now owns the Property. Please note the subtle change in the name of XXXX XXXX they have deleted for the Holders and Corporation, is XXXX XXXX XXXX XXXX. still involved in the background? Based on the facts it appears this is how you launder a wrongful foreclosure action and make it appear legitimate for pure profit. Obviously a clear violation of many of the CFPB Rules, submitted false documents to court, violation of the bankruptcy stay and I am sure so many more. The same day XX/XX/XXXX, I received an Occupancy Survey Form from my Homeowners Insurance, when I called to ask about it I was told Nationstar had requested termination, in a letter dated XX/XX/XXXX. I requested a copy of that letter and it states, property went to foreclosure sale on XX/XX/XXXX, Mr. Cooper, mortgage servicer and loss payee on the policy of insurance, is electing to discontinue insurance. It also states, If coverage will not be discontinued, please remove Mr. Cooper and XXXX XXXX as interested parties on the policy. Now XXXX XXXX is involved, what happened to XXXX XXXX and XXXX XXXX? This is a clear violation of the CFPB Rules and a violation of the Bankruptcy Automatic Stay. Just today I went to get my mail and a creepy guy in a small blue car was taking pictures of the house and making notes, he pulled away before I got outside. It appears that Nationstar is still pursuing actions despite my filing bankruptcy, a total disregard for the rules. I demand my Complaint be investigated completely and thoroughly by the CFPB for the above mentioned violations of the CFPB Rules with appropriate referrals to other agencies for investigations into these deceptive, fraudulent and possibly criminal actions taken by Nationstar and the other entities mentioned in this complaint regarding New Jersey Foreclosure Case XXXX. I have been bullied, intimidated and threatened by legal papers and forms, making fraudulent claims with fabricated documents to make it appear the Plaintiff ( whoever it is, if anyone ) is the holder/owner of the loan. These actions taken against me without Notice, denying me an opportunity to respond ; denial of Due Process Rights to take real property for a fabricated debt. I have always maintained the Chain of Title is broken, Security Interest is broken and a Lost Note Affidavit dated XXXX is not valid in a XXXX bulk acquisition. Plaintiff failed to provide the report as proof that the original Note was lost per SEC Rules and Regulations Act of XXXX Rule 17f-1, Requirements for Reporting and Inquiry with Respect to Missing, Lost, Counterfeitor Stolen Securities. If the Note was not reported as required then it is not lost. The Plaintiff keeping me off balance and not informed, made it appear they were rightful party in interest under the presumption and color of law to enter a foreclosure complaint and gain unlawful possession of real property.
Company Response: Closed with explanation

Timely Response

2019-02-05

Little Rock, AR

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2019-02-05

Palos Park, IL

Trouble during payment process

Mortgage: FHA mortgage

Complaint: I have received notification that my mortgage payments were not received for XX/XX/XXXX, and XX/XX/XXXX. My XX/XX/XXXX and XX/XX/XXXX mortgage payments were made both in the amount of XXXX withdrawn from my account on XX/XX/XXXX, and XX/XX/XXXX My payments are made from XXXX XXXX XXXX, XXXX, Illinois. I have receipts showing evidence of payment of mortgage for XX/XX/XXXX, and XX/XX/XXXX. Your help with this matter is greatly appreciated.
Company Response: Closed with explanation

Timely Response

2019-02-05

Reno, TX

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2019-02-05

Dayton, OH

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: Mr cooper is unwilling to work with us as a result of a misapplied payment. The payment was made in XXXX and was not found and credited until XXXX. I was 2 months behind and because of the misapplied payment the account went into foreclosure. Had this payment been applied correctly this would not have happened. I called numerous times and it took 4 month for this to get resolved. I am now in a position of loosing my home and they will not work any arrangements out. I would like to pay the past due payments and have the fees added to the end of the loan. I wish to make a settlement reinstatement but each month the amount rises and its becoming impossible to pay this. I do not want to loose my home and full reinstatement is not an option but the only option they are giving me.
Company Response: Closed with explanation

Timely Response

2019-02-05

Patterson, MD

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: My Loan was transferred to Mr Cooper in XXXX of XXXX. Until then, everything was fine and being paid on time by the predecessor service Company. I got a letter in XX/XX/XXXX from my County which handles the real estate taxes for my property stating that my property taxes were not paid and my taxes were considered delinquent! The payment was due in XX/XX/XXXX. When I called the county they said that they did not receive anything from Mr Cooper. I then called Mr Cooper and got the full run around from person to person to person. Each one saying something else like " oh it shows here it was sent out last month '' or " we can not tell you any details on check number or weather the check was received by the taxing authority or cashed ''. I decided to give them the benefit of the doubt and wait an extra week or so to see if the county district was just delayed in its processing but when I called they informed that they did not receive anything. I have read other reviews online and see very similar stories. Someone needs to do something about this!!! This can not keep happening to regular mortgage paying homeowners!
Company Response: Closed with explanation

Timely Response

2019-02-05

Pasadena, CA

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: My mortgage was purchased by XXXX XXXX XXXX, d/b/a Mr. Cooper effective XX/XX/XXXX. On XX/XX/XXXX, the lender sent me a message that my escrow is in deficit and that I owe an extra {$6.00} per month. My escrow account is only for PMI payments. I pay {$1800.00} every month to my lender. This includes principle, interest and PMI payment. The lender then pays PMI out of the escrow account. I don't have access to the escrow account. My loan is a 30 year fixed rate mortgage and the PMI payment does not change. The lender 's allegation that my escrow is in deficit is wrong and fraudulent and deceptive as I don't have access to my escrow account and I never missed a payment. I am current on all my balances and the latest monthly statement shows {$140.00} in my escrow account. The escrow review statement seems like a shakedown to increase my monthly payment on a 30 year fixed mortgage. I sent a letter to my lender on XXXX XXXX, XXXX asking them to fix this, but they have not responded. I also called them on XXXX XXXX, XXXX and XXXX XXXX, XXXX but they are unwilling to resolve this issue. but they are unwilling to resolve this issue.
Company Response: Closed with explanation

Timely Response