NATIONSTAR MORTGAGE

2019-01-09

Brooklyn, NY

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: I have a Mortgage Loan on my PRIMARY RESIDENCE. It is XXXX XXXX. It was initially serviced by XXXX XXXX XXXX, then NationStar and now by Mr.Cooper ( Mortgage Statement Attached ). I had applied for a HAMP Loan Modification in XX/XX/XXXX. Successively, both XXXX and NationStar messed up my Loan Mod files and even missed accounting for 1 Trial Period payment. Be that as it may, now I am trying to refinance the Loan and pay Mr.Cooper off. I am attaching the Loan Commitment Letter for my Refinance ( as also the Pay Off Letter from the Attorneys of Mr.Cooper ) and am about to close and Pay off Mr.Cooper. I sent the same to Mr.Cooper and their Attorneys also and am in the process of clearing some Title Issues with the new Lender. However, the property is scheduled to be auctioned on XX/XX/XXXX - in 8 days time. It is my Primary home and I do not want to lose it. To give me enough breathing time, I have requested both Mr.Cooper and their Attorneys to postpone the sale till the month end at least but both of them are very adamant and not agreeing to postpone the sale.
Company Response: Closed with explanation

Timely Response

2019-01-09

Tarzana, CA

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2019-01-08

Tarzana, CA

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2019-01-08

Jacksonville, FL

Struggling to pay mortgage

Mortgage: FHA mortgage

Complaint: A request was made for a modification of my mortgage from a natural disaster XX/XX/XXXX which a letter was sent stating that it was denied due to failure to supply the necessary documentation XX/XX/XXXX. I submitted a hardship application XX/XX/XXXX due to my employer shutting down resulting in changes of income and my wife becoming ill, at that time Nationstar elect to revert the hardship application back to the natural disaster application. All necessary paperwork was provided by XX/XX/XXXX however they stated they did not receive XX/XX/XXXX I have documentation showing that I complied with every request prior to that date.. 90 days of pay from my previous employment which ended XX/XX/XXXX and paystubs from my employer at the time which gave an excus they couldnt read. Nationstar acknowledges receipt of all documentation as XX/XX/XXXX, I called every month during the process for updates concernEd becuase my payments where getting further in arrears. Not being notified that I could have been making payments during this process I scheduled a payment for XX/XX/XXXX which they never processed so I contacted Nationstar to find out why it wasnt processed there was no record according to the CSR but she saw notes, at that time I scheduled another payment in the amount of {$1300.00} which was deducted from my account on XX/XX/XXXX there after payments were made every 2 weeks through XX/XX/XXXX amounting to {$7700.00} which brought the account to XXXX payment being due, the mortgage was delinquent from XXXX to XXXX {$6300.00} at that time which they never applied to my account despite no notices of delinquency due to the loss mitigation process. According to their records which do not correlate with documentation received during the process they notified XX/XX/XXXX that the modification was denied I contacted them the day I received the letter they communicating my the unfairness of their decision for the modification when asked what wer my options which were never given in writing I was told my only option was liquidation of the home no other options were available. This devastated me and I asked hat about my payments which wasnt posted to my account until this conversation. It wasnt until tha date of this complaint I learned that I should have been offered an appeal. At the time I stated my concerned of their decision via telephone despite not knowing the proper terminology the appeal process should have began and it wasnt. I made payments from XX/XX/XXXX to XX/XX/XXXX totaling {$7200.00} which did not apply to my account until XX/XX/XXXX ( please see the attached transaction from my bank ), which brought my mortgage current to XXXX ( I wasnt notified until XXXX according to them of the denial of the modification ) XX/XX/XXXX, XXXX mortgage was paid XX/XX/XXXX, XXXX mortgage was paid at that time the reported that the mortgage was 60 days behind to the credit bureau. At this time I became livid despite their every failed attempt to foreclose on our home they retaliated by harming my credit. I have contacted them and given them every opportunity to correct this situation to no avail resulting in the filing of this complaint. The have violated several section of the CFR section 1024 they have removed correspondences they have failed notify me of any late payments after the modification denial they failed to process my appeal they failed with assistance in keeping my home down to the notification of the mortgage insurance after the imitation 3 years on our FHA mortgage, no that we are within the 80 % threshold they report of late payment. There is no record of me even applying for assistance on my account when I login in fact I states application is unavailable. They do not even show they denial letter for the modification which I requested all records to make sure they correspond with my records from XX/XX/XXXX until present which they failed to do. Nationstar actions are displaying predatory lending practices and in no way assisting FHA borrowers in keeping their homes in fact they are trying force them into foreclosure. I am sure I am not the first and fearful of the number of people who have lost their homes due to circumstances beyond their control and being unaware of their rights. I am enclosing my bank transactions mortgage statements and all correspondences according to them from XX/XX/XXXX which are much different from my records. Vilotion of CFR 1924 subsection 3 loss mitigation process Hardship assistance Disaster assistance Appeal process Credit reporting Processing of payments Notification process
Company Response: Closed with explanation

Timely Response

2019-01-08

MA

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: The homeowner has been trying to get a short sale done on his property for almost a year with the 2nd mtg. The 1st mtg was supposed to get a full payoff but the Buyers who are also the tenants, did not qualify for the loan and once they realized they did not qualify, became very hostile and now there is a difficult tenant-landlord issue here. They are hostile and we are undergoing a tenant eviction process at the moment but it has been a very long and arduous process with the homeowner that just wants to be able to short sell the property. The previous listing agent also was quite hostile and was difficult to work with until the homeowner switched listing agents to try to get another viable, legitimate Buyer for the house. We finally got an offer but at the same time that this offer was presented, Mr.Cooper sends a foreclosure notice via the Foreclosure attorneys on XX/XX/XXXX. We immediately request a postponement request to Mr.Cooper but was told that because we did not send in a short sale packet to Mr.Cooper 37 days before the foreclosure date, they would not be able to postpone the foreclosure date. As you can see, XX/XX/XXXX to XX/XX/XXXX is not even 30 days. The homeowner was not aware of the foreclosure date until he got the letter on XX/XX/XXXX. We have sent in the entire short sale packet to Mr. Cooper and have tried to initiate this in XXXX, the website platform that Mr Cooper processes short sales with, but we need your help in getting this sale postponed since Mr. Cooper has not given the Homeowner the option of fully exploring the short sale.
Company Response: Closed with explanation

Timely Response

2019-01-07

Applying for a mortgage or refinancing an existing mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2019-01-07

Indianapolis, IN

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2019-01-06

Jupiter, FL

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: To whom it may concern : I have been trying to save my home and to get approved for loan modification since XX/XX/XXXX. Originally I was dealing with Nationstar mortgage ( servicer ) who approved me for HAMP with a payment of {$2400.00} Payment for a trial period on XX/XX/XXXX. They then did not honor this approval. I have had a HAMP underwriter review my application, income etc, and was told that I should be approved. I also dealt with HAMP Admin when HAMP was still available. I have been getting the runaround since. Applied multiple times after being told by Nationstar and Mr. Cooper that they were willing to work with me and based on the income, that I should receive a modification. After numerous attempts of failed communication, false promises, and Servicer delays, I was forced to file bankruptcy in XX/XX/XXXX. While in bankruptcy court, the current lender Mr. Cooper 's attorney and a representative from Mr. Cooper spoke to me and told me that Mr. Cooper will be willing to work with me on loan modification once again. I since went to court had asked the judge to cancel the bankruptcy after I had already met with trustee and creditors and planned on moving forward with the bankruptcy, due to Mr. Cooper representative and their attorney stating that they would work with me. Once they the bankruptcy court canceled my bankruptcy, Mr. Cooper changed their position and stated that they will not even look at a modification application on multiple occasions. Their attorney only extends the sale for 30 days each time which causes Mr. Cooper to continually deny accepting my packages saying they do not have enough time to review the loan modification package. I, my wife, and my son are all now working and can afford to pay a reasonable payment, however, Mr. Cooper refuses to honor what they have stated. I am at my wit 's end and do not know what else to do to. I do not want my wife and I and my XXXX children to lose our home. We greatly appreciate all your help!
Company Response: Closed with explanation

Timely Response

2019-01-05

Coconut Creek, FL

Trouble during payment process

Mortgage: FHA mortgage

Company Response: Closed with explanation

Timely Response

2019-01-05

Juniper Hills, CA

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: Mr. Cooper, formerly dba Nationstar Mortgage makes it almost impossible to submit additional principal payments on my home loan. First, I tried to make principal payments on their web page, but there were only places to pay the full interest-escrow, and principal. On XX/XX/XXXX I sent them a check for {$1500.00} marked PRINCIPAL ONLY along with the account number in the memo section. In addition to this, I sent a letter specifying the purpose of this payment, as well as the Mr. Cooper coupon that specifies additional principal that comes with each payment notice. However, once the check was cashed, I saw that it had been broken down into interest and escrow payments, with only a tiny portion allotted for principal. I must have spoken to three or four different people to try to get it straightened out, but I did get a promise that this would never happen again. On XX/XX/XXXX, I got the courage to make another principal only payment, this time for {$4000.00}. I also made a pdf of the check and the payment coupon. On XX/XX/XXXX, I received notification that it had been received, so I went to the website to find, once again, it had been broken down into smaller payments- each covering interest, escrow, and the smallest portions principal. As before, I called to complain, and was informed that it would probably show up as corrected in a few days. I emailed a copy of the pdf to a XXXX XXXX who later emailed me back that I should have received a call. Someone named XXXX had called me with instructions to call her back. She wasnt there when I did call, but someone named XXXX. XXXX took the call and gave me her information so that I could check back with her next week. As of this morning, the account has new adjustments on two of the previously listed deposits of {$1300.00} and {$1300.00} to principal only, but that still leaves me {$1300.00} short on principal-only payments. ( Also, at this time, my regular automatic monthly payment of {$1300.00} posted on XX/XX/XXXX. ) I am weary with this company that sends its own specified deposit coupons and then does not honor them. I have worked with at least four other mortgage companies in my life, but I have never felt so insecure as I am now with this one. Mr. Cooper bought my loan from XXXX ; that is the ONLY way that they would have gotten my business. I wish I could just switch to another company ; but at this point, I would never get the same interest rate and it would cost me several thousands of dollars to set up. If Mr. Cooper is doing this to me, this company is probably doing the same to some innocent people who do not know how to check the data online. I would like some permanent solutions.
Company Response: Closed with explanation

Timely Response

2019-01-04

Canton, GA

Struggling to pay mortgage

Mortgage: FHA mortgage

Company Response: Closed with explanation

Timely Response

2019-01-04

Sarasota, FL

Trouble during payment process

Mortgage: FHA mortgage

Complaint: LYING TO CONSUMER FORECLOSING WITHOUT NOTIFICATION I WAS TOLD NO FORECLOSURE WAS OCCURRING AS NATIONSTAR WAS INVESTIGATING A FRAUDUKENT LOAN THAT HAD FALSE LOAN APPLICATIION, FALSE ESCROW DISCLOSURE, FALSE LOAN PORIGINATION PACKET AND ESCROW EMBEZZLEMENT WHEN THEY DECIDED TO PRETEND LOAN FRAUD WAS NOT ILLEGAL ... AT THE GUIDANCE OF XXXX XXXX / XXXX XXXX ..THEY ILLEGALLY FORECLOSED ON OUR HOME. WHEN WE GOT THAT REVERSED ... THEY KEPT THE FPOORECLOSURE ATTORNEY FEES ON OUR ACCOUNT AND HAVE REPEATED STOLEN PRONCIPAL WITHOUT CREDIT. COPY OF EMAIL FROM XXXX ... ADMITTING THEY FORECLOSED BEHIND OUR BACKS. IN ADDITION ... THEY WERE NOT MAILING MONTHLY STATEMENTS DURING THIS ATTEMPTED HOME THEFT. ******COPY OF EMAIL # 1***** XXXX XXXX XXXX To : XXXX Cc : XXXX XXXX XXXX, 2016 at XXXX XXXX IN WRITING YOU STATED " ALL FORECLOSURE EFFORTS WOULD BE STOPPED '' AS THE INVESTIGATION CONTINUED. TODAY I AM ON THE PHONE AND THEY CAN'T TAKE THE PAYMENT ... BECAUSE IT IS AN ACTIVE FORECLOSURE!!! 25 MINUTES LATER ... STILL TRYING TO PAY ... NO CUSTOMER SERVICE XXXX XXXX *****COPY OF EMAIL # 2***** XXXX XXXX XXXX To XXXX XXXX Cc : XXXX XXXX XXXX, 2016 at XXXX XXXX There is a foreclosure Code on the account. But the Foreclosure is actually on a hold status. XXXX XXXX Customer Relations Manager Nationstar Mortgage XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX O : ( XXXX ) XXXX XXXX
Company Response: Closed with explanation

Timely Response

2019-01-04

Sarasota, FL

Trouble during payment process

Mortgage: FHA mortgage

Complaint: INTENT TO DRFRAUD US GOVERNMENT / INSURANCE FRAUD AND CONSUMER FRAUD SPECIFICALLY PMI FRAUD IN A RECENT CFPB REPLY NATIONSTAR/ MR COOPER STATED MY HOME IS AT 87 % LTV WHEN IT IS ACTUALLY 57 % LOAN TO VALUE ... I AM A XXXX THESE LIARS NEVER DID AN APPRAISAL SO I KNOW FOR A FACT THEY ARE GUILTY OF SYSTEMATIC INSURANCE FRAUD. ***EVEN IF IT IS JUST THIS ONE CASE ... I WANT THEM REFERRED TO THE FBI FOR PROSECUTION AND FINED FOR LYING TO THE CFPB ON THEIR OFFICIAL RESPONSE****
Company Response: Closed with explanation

Timely Response

2019-01-04

Toms River, NJ

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: This complaint is a follow up to complaint ID XXXX-XXXX. Mr. Cooper asked for an extension to respond to the above mentioned complaint. The expected a response by today, XX/XX/XXXX. This is in response to an error they made to an agreement we reached on XX/XX/XXXX to take my house out of foreclosure and reinstate my previously agreed to modification. I have been making my monthly payments on time since the almost $ 38k settlement agreement. I called Mr. Cooper today to inquire about ( 1 ) the complaint response status and ( 2 ) to make my agreed upon XX/XX/XXXX payment. I was informed that ( 1 ) no response has been submitted yet, ( 2 ) the account has been placed back in foreclosure status, and ( 3 ) they refused to accept my XX/XX/XXXX payment. This matter requires immediate attention. The actions of Mr. Cooper are unprofessional and reprehensible. This situation has caused me physical and mental damages, in addition to causing my breakup with my fianc over this incident.
Company Response: Closed with explanation

Timely Response

2019-01-03

Ridley Park, PA

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: On XX/XX/XXXX, I received an email from Mr. Cooper stating that they received the automatic payment on my mortgage. When I checked the amount withdrawn from my bank account, it was {$1100.00} higher than my previous mortgage payments. This additional cost caused my bank account to be overdrawn, resulting in overdraft fees. After reviewing my mortgage account online, I saw that escrow was added to my account without my approval. I called Mr. Cooper and spoke with 3 different representatives. I was NOT notified of the change in escrow to my account either by mail or email. I opted out of escrow with my previous mortgage provider and this should have remained the same when my mortgage was transferred to Mr. Cooper in XX/XX/2018, which it did up until the XXXX payment. Mr. Cooper did refund me the overdraft fees, but I am still waiting for the refund of the escrow in the amount of {$1100.00}. I was told it would be refunded by XX/XX/XXXX. Additionally, Mr. Cooper paid my school taxes in XX/XX/2018 without my permission. At that time, I called to explain that I pay my own taxes and I had opted out of escrow, and I did not send them the tax bill so I was unsure how this could happen.
Company Response: Closed with explanation

Timely Response

2019-01-03

Oxford, GA

Closing on a mortgage

Mortgage: Other type of mortgage

Complaint: We are victims of excessive Mortgage Fraud. It appears Attorney 's, Judges, Bank Officials, HOA Members and MANY other agencies are involved. Fraud on both Personal and Commerical Property. The Fraud as led us into Bankruptcy. The Trustee is not doing his job but appears to violate every law in order to liquidate assets ILLEGALLY. The Fraud was uncovered my spouse during XX/XX/XXXX-XX/XX/XXXX. EVERYONE is trying to cover their tracks. IT IS PATHETIC. False Bankruptcy Claims are being filed. So, you can imagine who are involved. We contact companies to validate a debt, you CAN NEVER GET THE CORRECT INFORMATION BECAUSE IT IS FRAUDULENT or they will never file a claim, but payments have been made and stolen and the " CREW '' are continuously brainstorming ways to take us out physically continuously.
Company Response: Closed with explanation

Timely Response

2019-01-03

ME

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: I processed a automatic payment on XX/XX/2018 for my XXXX mortgage payment. The subsequent statement indicated I missed that payment. As a result, I paid my XXXX mortgage payment a second time on XX/XX/2018. I then confirmed that my bank made the XX/XX/2018 payment electronically, and provided the credit trace number to Mr. Cooper on XX/XX/2018. It presents an unfair burden to a consumer to have to pay twice in order to avoid late charges and reports to credit agencies. It is also not reasonable that a consumer to have to call numerous times and wait weeks in order to get the issue resolved.
Company Response: Closed with explanation

Timely Response

2019-01-03

Upland, CA

Struggling to pay mortgage

Mortgage: Other type of mortgage

Company Response: Closed with explanation

Timely Response

2019-01-03

Bronx, NY

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: I am in an active short sale since XX/XX/XXXX with Mr. Cooper. We have advanced in the short sale process. Mr. Cooper is acting in bad faith and violating the dual tracking law cfr 1024.41g because while fully engaged in a loss mitigation process of a short sale since XX/XX/XXXX Mr Cooper has initiated a foreclosure sale date for XX/XX/XXXX meanwhile they are asking for a HUD to review for an approval and trying to take my house at the same time. These federal dual tracking laws are in place for a reason and it is clear as day that Mr. Cooper is in violation. My real estate broker contacted Mr Cooper and requested that they put the sale date on hold until the short sale is either approved or denied. Their response was they can not put a sale date on hold until a written approval is available. That is absurd! You accept my loss mitigation application, entertain the fully executed contract of sale, request all sorts of documents, and advise the short sale is in review but at the same time foreclose!!! Please assist me in this matter because I am trying to resolve this situation with the short sale and Mr Cooper and its law braking and abusive practices is preventing me from this opportunity.
Company Response: Closed with explanation

Timely Response

2019-01-03

Damascus, PA

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: I began struggling making my mortgage payments in XX/XX/XXXX. I eventually got further and further behind and subsequently requested a modification. I was granted a modification in XX/XX/XXXX there about. It was not a true modification as it only took the late payments and associated fees accrued and pushed them all to the end of the amortization schedule thereby not reducing my payment or offering any real monetary relief. I resumed making these new payments yet quickly fell behind again. I continued to request a new better modification while still struggling mightily with the mortgage payment burden. I am a self employed XXXX XXXX XXXX since XX/XX/XXXX and the last great recession was really hard to survive. I also have a mortgage on my building which was also behind yet I just caught this mortgage up last Mo having made 6 payments in the prior 8 weeks + -. My home is deep under water but my building is not under water. From XX/XX/XXXX through the end of this last year I endured the 4 hardest years of my life from monetary and personal trials, tribulations, and tragedies! I was hospitalized for 2-3 weeks starting XX/XX/XXXX-XX/XX/XXXX + -. I was greatly concerned about my home mortgage in the summer of XX/XX/XXXX having stopped making payments leading up to my illness. In XX/XX/XXXX a XXXX package arrived late on a Fri XXXX from Nationstar Mortgage with a bonafide modification offer. This offer greatly reduced the principle and the interest rate and subsequently the payment from XXXX/mo + - to XXXXmo + -. I filled out the forms and contacted Nationstar. A modification specialist walked me through the process for over an hour and explained in great detail all of the rules and regulations that applied. He offered me very specific information without solicitation that as long as the first three payments in the trial period of the new modification were made on or before the last day of each of the first three months via one of their payment options that I would then successfully complete the 90 day trial period and the specs of the new mod would then be permanent. Being self employed and having to manage debt in recession I was very keen to ascertain all of the rules of their offered payment methods to understand when payments had to be made to satisfy the terms of the mod trial period. Indeed on XX/XX/XXXX I made the first payment which was due for XXXX On XX/XX/XXXX I made the 2nd payment which was due for XXXX On XX/XX/XXXX when I went to make my third successful mod trial period payment their system was malfunctioning and would not allow me to make an online payment as I had on the XXXX of XX/XX/XXXX for the XX/XX/XXXX payment and the XXXX of XXXX for XX/XX/XXXX payment. I was using their internal IM system sending them IM 's that I was having difficulty making the payment yet to no avail. I then phoned customer service on XX/XX/XXXX to make the payment with an operator yet was only offered an automated phone payment option. I completed the phone payment option and verified via their computer voice info that I was still within the time frame for the payment to post and credit on XX/XX/XXXX, for the XX/XX/XXXX payment. Well the payment did not credit correctly because of their documented system issues on the XX/XX/XXXX. I called at the beginning of business EST XX/XX/XXXX to engage a human to get the payment credit resolved. I called several times after that first call also on XX/XX/XXXX as well as for the next 5-10 days each time engaging humans and starting from scratch with each call. In a nut shell I was told by every operator I spoke to that they did indeed see my numerous IM 's on XX/XX/XXXX using their internal system when trying to make the XX/XX/XXXX payment on the XXXX. They all also acknowledged my phone payment made on their telephone automated system on the XX/XX/XXXX and each operator also acknowledged that they were having documented system problems on XX/XX/XXXX. Needless to say they defaulted my 2nd modification based on that 3rd payment not posting until XX/XX/XXXX regardless of my numerous attempts to rectify the situation right from the start. Incredibly enough I was humiliated by every single rep I spoke to with the condescending and derisive intonation of, and I paraphrase, `yeah but you should not wait until the last day of the month to make your payment ' even though their jovial and informative Modification Specialists informed me of exactly the opposite while going through the 2nd mod interview in XXXX of that same year XXXX. As an XXXX I was also aware of the `rule of 78 's ' which affords borrowers 31 days grace for any given payment without credit blemish but with late penalty. I proceeded to contact Nationstar regularly over the next 8-9 months repeating my trials and tribulations. I was then granted a 3rd modification ( a rare occurence as I understand ) however much of the sweetener of the second mod was now gone, the payment was increased again, however I accepted it with much chagrin. Again the Modification specialist laid out the same acceptable payment terms to avoid a third default. I made the first payment of the new mod only to be informed that my loan was sold to XXXX XXXX XXXX however it was sold to them in a default status. This caused XXXX to change all of the payment terms to a very few unpalatable options for myself and greatly increased my already intense burden from the now unfriendly `de-modified terms '. I had arranged for the property to be rented in late XX/XX/XXXX however when Nationstar pulled the rug out from under my feet in XX/XX/XXXX that action kiboshed the rental as I needed the XXXX down money from the tenant to put a new boiler in the home. I purchased the home in XX/XX/XXXX and was forced to a new boiler then only to have it kick out in XX/XX/XXXX. XXXX has been completely indifferent to my plight and further humiliated and embarrassed me with many more derogatory and condescending comments clearly placing all blame on myself and refusing to revisit the status of the loan with Nationstar at its time of sale to XXXX. Rather they seem to have rushed more quickly to foreclosure with meager modifications terms and insurmountable cash requirements to stop the imminent foreclosure. In XX/XX/XXXX my mother was XXXX by the very family member she foretold in her XXXX. I am the baby of XXXX whom produced another XXXX and from whom I am now fully estranged from my entire nuclear family simply because I looked them all in the eye and stated that indeed the `Emperor has no clothes '. The great recession finally subsided into XX/XX/XXXX. These events set the stage for the last and hardest four years of my life. I finally resolved to report the XXXX to the XXXX VA Police and I followed up this new year with a call to Detective XXXX, XXXX, per his instruction, to schedule my appearance for an official deposition as he is now investigating her death. From her XXXX I moved through XXXX, extreme financial distress, a crumbling marriage, XXXX XXXX XXXX, job burnout, my XXXX and damaged XXXX XXXX, hospitalization including a one week XXXX, returned to an empty home from the H an XXXX, and commenced rebuilding my life. I decided XX/XX/XXXX to limit my business accounts to VA only as they pay the best and it is a preferred career twilight posture. I have been a VA XXXX for 24 years and have a stellar record only to be informed XX/XX/XXXX i was being placed upon a 60 hiatus from receiving new orders due to a internal review being conducted from Mtg Co complaints with regard to my appraisal services. Well 60 turned into 120, I was without any income for those four months. I successfully defended myself in XXXX and was reinstated XX/XX/XXXX. I have been working feverishly ever since and am just now starting to get some stability in my legs both literally and figuratively. I am very confident that once my story is digested I will be vindicated and I am proud to stand in example as a point of strength for others whom may not have my mortgage industry engineered resolve to not only stare XXXX down but to persevere in bringing these unbridled money machines to the very knees of the human condition. Quite frankly I have been a good samaritan and a Guardian earth angel my whole run. Thank you very much for your time and consideration. XXXX XXXX XXXX, XXXX.
Company Response: Closed with explanation

Timely Response

2019-01-02

Venice, FL

Closing on a mortgage

Mortgage: FHA mortgage

Complaint: ATTORNIES ARE BACK FROM VACATION AND WE ARE MOVING FORWARD STATE OF FLORIDA REQUIRED DEMAND LETTER ***COPY BEING SENT TO XXXX XXXX XXXX , XXXX XXXX , XXXX XXXX AND XXXX XXXX VIA CERTIFIED MAIL*** NATIONSTAR MORTGAGE DBA MR COOPER XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX RE : XXXX XXXX Loan Number : XXXX Property address : XXXX XXXX XXXX XXXX , FL XXXX Dear : Pertaining to the above referenced, this letter serves as my final attempt to resolve this matter in amicable manner. As you are aware its become common place that mortgages are frequently sold and transferred to other financial institutions without proper documentation. As in this case and this is a lack of standing on your part. You are also aware that its your responsibility to provide an accurate and properly documented loan origination, escrow and escrow estimate, which again was not done. Under Florida Statute 559.715, banks are required to provide written notice to the homeowner each time the mortgage has transferred, and a fully signed ABA ( Affiliated Business Agreement ) needs to be included also. Again, you did not fulfill this requirement, which is clearly a violation of the Florida Consumer Collection Practices Act. I can also prove that you failed to properly apply the payments and changes to the above referenced mortgage loan in compliance with federal law 12 U.S.C. 2605. In that repugnancy has occurred due to your inconsistency, I request that you immediately remove any/all liens on the above referenced property, send a signed deed to XXXX XXXX XXXX, XXXX FL, proivide a clear and unencumbered title. If this is not remedied within the next ten ( 10 ) business days I will take any/all legal remedies available to me. PLEASE GOVERN YOURSELVES ACCORDINGLY. Sincerely, XXXX XXXX, as POA for * XXXX RE/Enclosures cc : XXXX XXXX, XXXX ( Attorney General ), with enclosures MORE RECENT PRECEDENTS - XX/XX/XXXX XXXX FAILURE TO PRODUCE REQUESTED PAPERWORK ~ The judge became angry and said that the bank lawyers insulting behavior had repeatedly violated court rules. She went on to say that she would report him to the Florida Bar. Even as the lenders demand prompt payments on predatory loans, they have clearly failed to maintain their own records. The outcome of this case reveals that homeowners can defeat illegal and unreasonable foreclosure actions in court. Recent rulings in Missouri, Massachusetts and New York have also struck down banks efforts to legitimize missing or fabricated documents. XX/XX/XXXX ~ MISREPRESENTATION ~ XXXX and XXXX XXXX XXXX received a foreclosure notice in XXXX from XXXX XXXX ( XXXX ). There was one problem : Theyd never done business with XXXX XXXX or their assigned mortgage servicer, XXXX XXXX XXXX. A district court jury agreed. The jury found that XXXX XXXX violated a law prohibiting fraudulent real estate filings. Judgment was {$5.00} XXXX in favor of the XXXX. The lawyers representing the XXXX successfully argued that the couple had been harmed by the turmoil surrounding their loan and the confusion over which entity owned their property. XX/XX/XXXX ~ FALSE CLAIMS CASE DISMISSED, WITH LEAVE TO AMEND. XXXX XXXX DECLINED TO AMEND. CASE DISMISSED. Even where there is a clerks default The burden is on the plaintiff to establish its entitlement to recovery. XXXX XXXX, XXXX XXXX XXXX. XXXX at XXXX. Here is an example of how lawyers purport to represent XXXX XXXX when in fact they are creating the illusion that they represent a trust and in reality they are representing a subservicer who is receiving orders from a master servicer of a nonexistent trust. As Trustee of the nonexistent trust XXXX had no active role in the nonexistent trust. As the inactive Trustee for a nonexistent Trust, no right, title or interest in the debts of homeowners were within any scope of authority of any servicer, subservicer or master servicer. Each foreclosure is a farce based upon assumptions and presumptions that are exactly opposite to the truth. Given the opportunity to amend the complaint, lawyers for XXXX chose not to amend because they could not plead nor prove the required elements of an active trustee. Because of that XXXX lacked standing to bring the action except as agent for an active trust or on behalf of the trust beneficiaries. But where the certificates show that the certificate holders do NOT have any interest in a mortgage or note ( true in about 70 % of all cases ), then they too lack of standing. And if the Trust is not an active Trust owning the debt, note or mortgage then it too lacks standing. XX/XX/XXXX ~ FALSE CLAIMS There is no trust without a COMPLETE trust instrument, a trustor, beneficiaries and PROPERTY that is entrusted to the trustee thus forming the physical existence of the trust as opposed to the hypothetical existence of a trust that exists only on paper. XX/XX/XXXX ~ INCOMPLETE / FALSE LOAN PAPERWORK ~ The Justice Department announced XXXX XXXX agreed to pay a {$2.00} XXXX fine for issuing mortgage loans it knew contained incorrect income information. SEVERAL TRUTH IN LENDING ACT VIOLATIONS Subpart D Miscellaneous Civil Liability TILA Sections 129B, 129C, 130 and 131 If a creditor fails to comply with any requirements of the TILA, other than with the advertising provisions of chapter 3, it may be held liable to the consumer for : Actual damage, and Cost of any successful legal action together with reasonable attorneys fees. The creditor also may be held liable for any of the following : In an individual action, twice the amount of the finance charge involved. IN ADDITION ... THE FOLLOWING TILA VIOLATIONS INVOKE RESCISSION RIGHTS ~ The disclosed finance charge is considered accurate if it does not vary from the actual finance charge by more than {$35.00} ... THIS ONE VARIED BY 10 'S OF THOUSANDS OF DOLLARS The issuer is prohibited from imposing additional fees on the account ; Residential mortgage transactions have special timing requirements that include providing disclosures to consumers no later than the third business day after receipt of the consumers application. Creditors are also required to provide consumers with updated disclosures three days prior to consummation of the mortgage transaction if certain terms of the mortgage change.
Company Response: Closed with explanation

Timely Response

2019-01-02

Burbank, CA

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2019-01-02

Anaheim, CA

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2019-01-02

Smoke Rise, GA

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2019-01-02

GA

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: Dates back to XX/XX/XXXX loan from XXXX XXXX XXXX improper security deed was sold to XXXX XXXX in XX/XX/XXXX then again to XXXX XXXX XXXX XXXX filed Bankruptcy XXXX XXXX XXXX XXXX agreed to loan modification with missed payments have statements showing no interest accruing from XX/XX/XXXX thru XX/XX/XXXX payments were to resume with lower interest and lower rate XX/XX/XXXX house fire XX/XX/XXXX attorney realized error on security deed house was free and clear XX/XX/XXXX filed case in court against insurance company and XXXX XXXX XXXX to get funds released for Construction Company to be paid XX/XX/XXXX XXXX XXXX XXXX sold loan to Nationstar XX/XX/XXXX XXXX XXXX XXXX discharged loan with bankruptcy and sent {$1000.00} check for problems XX/XX/XXXX agreed to modify deed to include both parcels with agreement that NationStar was going to give us a contact to work with to get the problem straightened out. XX/XX/XXXX attorney contacted the person Nationstar sent information for ... we were given the information. I contacted him and was told we knew nothing about us. Our attorney contacted him again and told me to call him back. Again, he would not talk to us. XX/XX/XXXX we began receiving foreclosure letters. My attorney began sending letters stating that we were working with Nationstar. The attorney for Nationstar stated they were foreclosure attorneys and that is what they were going to do. XX/XX/XXXX the 1st foreclosure took place. XX/XX/XXXX received XXXX from Nationstar regarding foreclosure XX/XX/XXXX received eviction paperwork and appeared in court. This was dismissed because they had only foreclosed on the one acre and we had paperwork showing we owned the house free and clear. My attorney told us they had 30 days to file a motion. XX/XX/XXXX received paperwork from court that they wanted to file for reformation. XX/XX/XXXX after my attorney told me the courts had to do what was legal not equitable and Nationstar attorneys lied, left out a lot of information, making it appear that the loan had went directly from XXXX XXXX to Nationstar and I had not paid anything since XX/XX/XXXX ; instead of not having paid since the loan modification XX/XX/XXXX and bankruptcy charge. The reformation was allowed. The tax assessor website shows the name change to XXXX XXXX XXXX in XX/XX/XXXX. XX/XX/XXXX the 2nd Foreclosure took place XX/XX/XXXX I receive a cash for keys offer and my attorney now tells me 'I have never heard of this, take it and see what happens '. I have diligently been calling and emailing anyone and everyone I can think of to try and get this looked at because I don't feel like it is correct.
Company Response: Closed with explanation

Timely Response