Date Received: 2022-02-24
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Nationstar collected thousands of dollars from me and credited them in the name of my relative XXXX XXXX who obtained a bankruptcy discharge. I was led to believe I would become XXXX if I did not pay these monies. I have copies of these cashed checks. I was misled to believe I was being given a loan modification. I was asked for private financial XXXX checks, medical records, and tax statements to obtain a loan modification that I did not need nor was Nationstar the owner of. I am requesting a full refund of all payments made and all recorded documents be rescinded immediately and Nationstar cover all fees as a result of their illegal debt collection practices! I have a Grant deed that pre-dates Nationstar that is recorded with the county. There is no default on record that pre-dates my deed. All checks written by XXXX XXXX to NationStar I would like refunded directly to me. I was under the notion that I was responsible for my relatives debt due to be ignorance of debt collection laws. Due to this ignorance I have suffered years of vexatious litigation, locked out my home, spent hundreds of thousands of dollars and suffered at the hands of Nationstar Mortgage and their attorneys. NEED I REMIND NATIONSTAR THERE IS A BANKRUPTCY INJUNCTION IN PLACE PROTECTING XXXX XXXX. SEE ATTACHED BELOW.
Company Response:
State: FL
Zip: 322XX
Submitted Via: Web
Date Sent: 2022-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-25
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I have submitted for assistance from Mr. Cooper. They did advise me that my documents are there but were just sitting there. I asked why they were just sitting there and was given the runaround. No one could give me an answer.. I called numerous times and finally I was advised by XXXX XXXX based in Arizona, that the reason theyre not reviewing my file is because I have an attorney on record.They insisted that my file needs the bankruptcy attorney 's consent. Why did it take them so long to advise that? That would have been simple to provide but it also does not make any sense. Please see attached document from the bk court stating that and I quote- It is further ordered " in addition to potentially pursuing other loss mitigation alternatives including but not limited to, a loan modification. '' After going in circles I was then advised that my file will not be reviewed as it is a commercial property. So which is it. It is not a commercial property. I live in my house. It is a single-family residence. Not a commercial property, it's not rented out. I actually live there. I am a XXXX XXXX XXXX vet and I do not pay property taxes. That would not be the case if this was a commercial property or non owner occupied property. Please see attached utility bill showing that I live there and please also see attached documents from the county. Please also see my mortgage statement which shows the property and mailing address as the same. At this point I feel like I am being discriminated against based on my age and XXXX. My file has been neglected and looked over. Because I am older doesn't give anyone the right to ignore my inquiries. There is no valid reason why my file can not be reviewed for assistance. I do not want to lose my home. I have nowhere to go.
Company Response:
State: NJ
Zip: 082XX
Submitted Via: Web
Date Sent: 2022-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-25
Issue: Trouble during payment process
Subissue:
Consumer Complaint: We had a mortgage on our primary residence with XXXX XXXX XXXX. On XX/XX/2022, we received notification by mail and email from XXXX Mortgage XXXX that our mortgage is transferred to Mr. Cooper, subservicer for XXXX XXXX XXXX XXXX XXXX. We were also notified that we should expect communication from Mr. Cooper, subservicer for XXXX XXXX XXXX XXXX XXXX on how to setup mortgage payments with them within XXXX weeks of transfer. The effective date of transfer was XX/XX/2022. Today it is XX/XX/2022 but we have not received any communication from Mr. Cooper, subservicer for XXXX XXXX XXXX XXXX XXXX. On trying to register their website, with intent to make mortgage payment, we continue to get various errors. On calling them, we were put on hold due to technical difficulties and later promised of a call back but never received any call back. We are worried that Mr. Cooper, subservicer for XXXX XXXX XXXX XXXX XXXX is trying to put us into default with malicious intent by avoiding any form of communication with us.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 75035
Submitted Via: Web
Date Sent: 2022-02-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-24
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: Our house was built in XXXX. We refinanced our house in XXXX of XXXX for the purpose of cutting monthly expenses. Our interest rate wasnt bad. They used our closing tax amount ( taxing land only ) for our projected taxes on our refinance. The document they received from the title company clearly states that the value of the taxed property is {$39000.00} and the person named is the name of the land developer who owned the parcel before our home was built. The amount used was {$420.00} and should have been approx {$1400.00}. According to the TRID rule, the mortgage company is not held liable for the taxes changing, but the amounts projected should be based on factual and reliable estimates. There is no circumstance where a {$39000.00} parcel of land would be an accurate substitute for {$250000.00} home. As a mortgage company, I put the responsibility on them to make sure the amounts seem accurate, which a quick look at the county tax info and our home value should have told them it wasnt. Or even reading the details of the document they were using which clearly states that the amount listed is land value. We made payments for four months at the quoted new payment amount before we were notified that the escrow account was insufficient and they would be adding on to our monthly payment temporarily for the error and long term to maintain the higher amount. Because of this error our payment is now UP approx {$160.00} per month and once escrow is recovered will only be approx {$30.00} less than our original payment ( before refinance ). Of course we wouldnt have refinanced to save approx {$30.00} and they also added approx {$5000.00} in fees back into our loan. I called the customer service and spoke to escrow, who then directed me to refinance. The refinance dept tried to claim they had done nothing wrong and could do nothing else, but said they would check with another department and get back to me. The refinance dept supervisor called me back to say he had spoken with the escrow and consumer services departments and they also believed there was nothing they could do at this point. I am reporting them because I feel like this is either negligent or fraudulent business practices to get customers to refinance.
Company Response:
State: AL
Zip: 35007
Submitted Via: Web
Date Sent: 2022-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-24
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I am tired of the run around from XXXX XXXX in trying to come out of forbearance ( via the XXXX XXXX ) which has been ongoing now for the last XXXX months. Where to begin? I was told up front I'd be able to enter a deferral plan upon exiting forbearance only to be told other-wise. I then subsequently wasted MONTHS on XXXX loan modification requests which were both denied. Now there has been mis-representation on who actually owns my Note which has led me to believe there are greater mechanisms occurring in an attempt to foreclose on my home. Per the attachment, after asking several times, XXXX XXXX informed me that XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) holds my mortgage Note. However, I spoke to XXXX XXXX on XX/XX/XXXX and they told me that they DO NOT OWN MY MORTGAGE NOTE AND HAVENT SINCE XX/XX/XXXX. You can call XXXX ; ( then select Option # XXXX ) to verify this information. This therefore begs the question : Why would XXXX XXXX send me a letter fraudulently stating otherwise? ( again, defer to attached ) Now I most recently received a letter stating that XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Series XXXX owns my Note. Yet its the exact same contact information per the XXXX XXXX XXXX XXXX. WHY CAN I NOT OBTAIN THEIR DIRECT PHONE NUMBER ASIDE FORM A FAKE, GENERIC MAILING ADDRESS? XXXX XXXX NEEDS TO ADVISE ME WHO OWNS MY LOAN NOTE IMMEDIATELY ALONG WITH THEIR PHONE CONTACT INFORMATION OR I WILL HAVE NO CHOICE BUT TO PURUSE LEGAL ACTION ON THIS MATTER DUE TO THE FOLLOWING REASONS : 1 ) Mis-representing the owner of my Note ( for YEARS ) as being XXXX XXXX . 2 ) Not allowing me a deferral option post-forbearance after being told otherwise up front. All XXXXm repeatedly told is Deferral is not allowed. '' SAYS WHO???? I would like to hear it directly from this mysterious owner and/or investor of my Note. 3 ) Not allowing me to take a loan modification either : I was asked UP FRONT if Id accept a higher payment for the 2nd loan modification request. After saying Yes and then waiting for XXXX months, I was told my loan modification request was denied because the payment couldnt be LOWERED. Really?? Why ask me then if Im ok with a higher payment up front if it was already known raising the payment wasnt even an option for a loan modification? I was never advised by any of the many representatives I spoke to for either of my loan modification requests, that approval was based on the presumption of a lower monthly payment. 4 ) The imposter investor named XXXX? Last time I called, I was told by the representative XXXX was the investor holding my Note whom allegedly does not allow deferral options. Interestingly, I can not find any company by that name. I AM TIRED OF THE LIES, MIS-INFORMATION AND RUN AROUND. I AM READY AND ABLE TO RESUME MY MORTGAGE PAYMENTS BUT XXXX XXXX HAS MADE IT IMPOSSIBLE IN MY MANY ATTEMPTS TO DO SO AFTER MIS-LEADING ME UP FRONT. I feel that at this point, due to all of the mis-information, confusion and their unwillingness to offer any assistance except to tell me verbatim " Sell your house '' or " Get a 2nd job '' that I have no recourse but to pursue legal remediation. I am beyond exasparated at this point as to how things have gone thus far and hence, the reason I am filing this complaint. FEEDBACK FOR RESOLUTION 1 ) What is the phone number for this entity? Again, I called XXXX XXXX and I sure couldnt speak to anyone from this entity. XXXX XXXX XXXX XXXX XXXX, as XXXX for XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Series XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX '' XXXX ) Why am I unable to contact the investor / owner of my Note directly? 3 ) Why did XXXX XXXX ignore my original question of why does a loan modification presume a lower payment amount? When in fact, they asked me up front prior to my 2nd loan modification request if I would be ok with a higher payment? Again -- can I request a loan modification even if it's for a reasonably higher amount? 4 ) Lastly, I still do not have a clear answer or proof that the investor or owner of my Note does NOT allow the deferral of my forbearance amount ... which essentially doubled because I had to wait another 7 months for them to tell me it was declined and during said period they told me not to make any payments. If I knew who my actual investor was, I could contact them directly to confirm this information.
Company Response:
State: IL
Zip: 60605
Submitted Via: Web
Date Sent: 2022-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-23
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: XXXX XXXX XXXX had reported a loan in XXXX for XXXX that was never encumbered by me nor did I have any knowledge of the mortgage. The loan was supposedly originated in XXXX the reporting was inaccurate and inconsistent. showing some months or years of no payment then some months no reporting at all. this lead to an illegal foreclosed home in XXXX even after the foreclosure in XXXX the foreclosure doesn't even reflect my credit now.
Company Response:
State: NC
Zip: 280XX
Submitted Via: Web
Date Sent: 2022-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-22
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I am not swayed that XXXX and XXXX has investigated this account properly. Their investigation about this account was totally incorrect. I am not seeing this account to any of the other credit bureaus which were so odd. I believed they have not reached out to the furnisher to validate. Therefore, I have sent out a couple of written complaints to raise this concern but other than the credit report I have, I have never heard any feedback from both XXXX, XXXX and the creditor. Make sure to explain the outcome of your investigation about this account with PACIFICUNION with account number XXXX.
Company Response:
State: MI
Zip: 48187
Submitted Via: Web
Date Sent: 2022-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-22
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I am not swayed that XXXX XXXX XXXX has investigated this account properly. Their investigation about this account was totally incorrect. I am not seeing this account to any of the other credit bureaus which were so odd. I believed they have not reached out to the furnisher to validate. Therefore, I have sent out a couple of written complaints to raise this concern but other than the credit report I have, I have never heard any feedback from both XXXX, XXXX and the creditor. Make sure to explain the outcome of your investigation about this account with XXXX with account number XXXX.
Company Response:
State: MI
Zip: 48187
Submitted Via: Web
Date Sent: 2022-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-22
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: In late XX/XX/2021, I received notice that Mr. Cooper had purchased my mortgage loan from my previous lender XXXX. The notice indicated I was already in arrears. I had made my mortgage payment to XXXX in XX/XX/2021. My XXXX account was in surplus of 2 months in advance, plus the XXXX payment. I contacted Mr. Cooper immediately to contest the alleged late payments. I was told that any pending payments would be credited within 30 to 90 days. I continued to make monthly payments. Multiple phone calls and emails and complaints were made to Mr. Cooper without response. I provided them with the information from XXXX, including the delivery number for the overpayments. No response. Over the course of 9 months, multiple complaints were made with no response. In XXXX XXXX and XX/XX/2021 Mr. Cooper placed derogatory statements on my pristine credit report. I have sought resolution without response, in XXXX, I contacted Mr. Cooper again, and after a lengthy wait a customer service representative advised me correspondence had been sent to the wrong email account. Additionally, she reported the Mr. Cooper mailbox, ( which they created and was used for all communications ) was not used by Mr. Cooper for communications. They placed important correspondence in an obscure place on their website, under a tab called Miscellaneous. In the interim, no effort has been made to respond or amend the deficiencies reported on my credit reports, and the account has not been credited with the overpayments. This are blatant and negligent attempts at fraud.
Company Response:
State: VA
Zip: 241XX
Submitted Via: Web
Date Sent: 2022-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-22
Issue: Trouble during payment process
Subissue:
Consumer Complaint: On XX/XX/2022, XXXX XXXX transferred servicing of my mortgage to Mr. Cooper. I was told I was going to receive a welcome package in XXXX days. As of this writing, I did not receive a welcome package in the mail. I tried to register on XXXX, and they have no record of my loan being transferred from XXXX XXXX. Here is what they said : " Welcome! We didn't find that loan information in our system. If you received a letter or email about your loan being transferred to Mr. Cooper, this probably just means we're still working on entering all your loan data into our system. Typically, it takes up to XXXX days from your official transfer date for all your data to be entered. Please visit this page again soon to look up your loan and view its details. For more information, you can browse the FAQ at the bottom of this page for answers to common transfer questions. '' I tried to call ( using my SSN ) on XX/XX/2022, and they have no record of my loan. I can't seem to get in touch to make the payments. XXXX XXXX # XXXX
Company Response: Company believes the complaint provided an opportunity to answer consumer's questions
State: PA
Zip: 19125
Submitted Via: Web
Date Sent: 2022-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A