642210
|
2013-12-20
|
Application, originator, mortgage broker
|
Mortgage
|
|
Issue |
Application, originator, mortgage broker
|
Timely |
Yes
|
Company |
NATIONSTAR MORTGAGE LLC
|
Product |
Mortgage
|
Sub Product |
Reverse mortgage
|
Date Received |
2013-12-20
|
Submitted Via |
Referral
|
Company Response |
Closed with explanation
|
Consumer Disputed |
No
|
Date Sent To Company |
2014-01-03
|
Consumer Consent Provided |
N/A
|
|
594270
|
2013-11-12
|
Loan modification,collection,foreclosure
|
Mortgage
|
|
Issue |
Loan modification,collection,foreclosure
|
Timely |
Yes
|
Company |
NATIONSTAR MORTGAGE LLC
|
Product |
Mortgage
|
Sub Product |
Conventional fixed mortgage
|
Date Received |
2013-11-12
|
Submitted Via |
Phone
|
Company Response |
Closed with explanation
|
Consumer Disputed |
No
|
Date Sent To Company |
2013-11-13
|
Consumer Consent Provided |
N/A
|
|
1890722
|
2016-04-21
|
Other
|
Mortgage
|
|
Issue |
Other
|
Timely |
Yes
|
Company |
NATIONSTAR MORTGAGE LLC
|
Product |
Mortgage
|
Sub Product |
Other mortgage
|
Date Received |
2016-04-21
|
Submitted Via |
Referral
|
Company Response |
Closed with explanation
|
Consumer Disputed |
No
|
Date Sent To Company |
2016-04-26
|
Consumer Consent Provided |
N/A
|
|
1683030
|
2015-12-04
|
Loan servicing, payments, escrow account
|
Mortgage
|
|
Issue |
Loan servicing, payments, escrow account
|
Timely |
Yes
|
Company |
NATIONSTAR MORTGAGE LLC
|
Product |
Mortgage
|
Sub Product |
Conventional adjustable mortgage (ARM)
|
Date Received |
2015-12-04
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
No
|
Date Sent To Company |
2015-12-04
|
Complaint What Happened |
XX/XX/XXXX, I requested a loan modification because of XXXX hardships. XXXX hardship, XX/XX/XXXX, my ex-husband lost his job and was unable to pay child support. As a single mother of an 8 year old, I was able to manage my finances for XXXX yrs. XXXX, XXXX after the recession. To help balance the budget, my employer authorized a XXXX+ % pay cut across the board with no warning. I exhausted my savings to make up the difference. I tried to be proactive and contacted NationStar ( loan purchased from XXXX XXXX XXXX ) 2 months prior to exhausting my savings. XX/XX/XXXX, I started the process for a loan modification. I submitted all requested documents and was assigned a Customer Service Rep ( CSR ), who assured me that I submitted all required documentation and indicated a response would take 45 business days. To no avail, I tried to contact my assigned CSR. I left numerous messages. None of my calls were returned until 6 months later, from an Automated Messaging System stating that additional info was needed. I tried to contact the CSR to confirm exactly what was needed. 1 month later, I called and spoke with a different rep who reviewed my file, told me what was missing, and said it takes more than 30 days for an answer. In the meantime, I was told to send paystubs/bank statements every pay period/month to keep my file up-to-date. I did this for over 6 months. Then was told that too much time had lapsed and that I would need to reapply. I provided all of the documentation again, awaiting a response, and continuing to send the updated info. At no time was I instructed to continue making my monthly payments. So, based on the past modification with XXXX ( original lender ), which I was told not to make payments until the new payment structure was issued. While waiting for approval, my CSR changed 5 times and I never spoke with any of them. The XXXX reps never explained why my modification was denied. XX/XX/XXXX, because of reduced income, I did not make my HOA payments. The HOA filed a case with the courts for non-payment. At that time, I retained Attorney XXXX XXXX to assist me with the overwhelming process. XX/XX/XXXX, I was served court documents stating that the mtg company was filing suit for non-payment. Attorney XXXX opined he would ask the courts to merge the XXXX cases together, with the expectation that the HOA would settle XXXX and then arrangements could be made with NationStar to refinance. The other option offered me was to file Chapter XXXX Bankruptcy so that I could get a 'forced ' modification and keep my house. I agreed and had him prepare the paperwork. XX/XX/XXXX, Attorney XXXX instructed me to complete the XXXX online certifications that are required for filing bankruptcy. He stated that they only take 30 minutes and to provide him with the certificates that Monday ( XXXX/XXXX/XXXX ) morning for him to file the complete package with the courts. I was able to complete XXXX certification and then there was an issue with the website. I contacted the company Monday morning, got it resolved and completed the certifications and sent them to XXXX XXXX. At that time, XXXX XXXX told me that he was going to pull the file and refile because he did not have all of the documentation ready since he was in court most of that day. As a result, the bank is foreclosing on my home. The bank has filed a Motion for Writ of Possession and the court date is scheduled for Tues, XX/XX/XXXX. I 'm terrified that I will have to move and displace my child in the middle of a school year. What is so upsetting is that I have been in a position to make the monthly mortgage payments. All I wanted was for them to move the back payments to the end of the loan and make me current. I believe this is so unfair when I have been asking NationStar to work with me since XX/XX/XXXX. Humbly requesting your assistance.
|
Consumer Consent Provided |
Consent provided
|
|
1388570
|
2015-05-22
|
Credit decision / Underwriting
|
Mortgage
|
|
Issue |
Credit decision / Underwriting
|
Timely |
Yes
|
Company |
NATIONSTAR MORTGAGE LLC
|
Product |
Mortgage
|
Sub Product |
FHA mortgage
|
Date Received |
2015-05-22
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
No
|
Date Sent To Company |
2015-05-22
|
Consumer Consent Provided |
Consent not provided
|
|
536396
|
2013-09-20
|
Loan servicing, payments, escrow account
|
Mortgage
|
|
Issue |
Loan servicing, payments, escrow account
|
Timely |
Yes
|
Company |
NATIONSTAR MORTGAGE LLC
|
Product |
Mortgage
|
Sub Product |
Other mortgage
|
Date Received |
2013-09-20
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
Yes
|
Date Sent To Company |
2013-09-23
|
Consumer Consent Provided |
N/A
|
|
2693631
|
2017-10-05
|
Struggling to pay mortgage
|
Mortgage
|
|
Issue |
Struggling to pay mortgage
|
Timely |
Yes
|
Company |
NATIONSTAR MORTGAGE LLC
|
Product |
Mortgage
|
Sub Product |
Conventional home mortgage
|
Date Received |
2017-10-05
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2017-10-05
|
Complaint What Happened |
IN THE CIRCUIT COURT OF THE EIGHTEENTH JUDICIAL CIRCUIT IN AND FOR XXXX COUNTY, FLORIDA CIVIL DIVISION Case No. XXXX XXXX XXXX, XXXX Plaintiff, Loan No. XXXX v.
XXXX XXXX XXXX, XXXX A/K/A/ XXXX XXXX XXXX
XXXX ; XXXX XXXX XXXX ; UNKNOWN SPOUSE OF XXXX XXXX XXXX, XXXX A/K/A XXXX XXXX XXXX
XXXX ; UNKNOWN SPOUSE OF XXXX XXXX
XXXX ; UNKNOWN TENANT # 1 ; UNKNOWN TENANT # 2 ; ALL OTHER UNKNOWN PARTIES CLAIMING INTERESTS BY, THROUGH, UNDER, AND AGAINST A NAMED DEFENDANT ( S ) WHO ARE NOT KNOWN TO BE DEAD OR ALIVE, WHETHER SAME UNKNOWN PARTIES MAY CLAIM AN INTEREST AS SPOUSES, HEIRS, DEVISEES, GRANTEES, OR OTHER CLAIMAINTS, Defendants, COMPLAINT TO XXXX XXXX Requesting Time to complete Quiet Title procedure enforcement Presently the resolution department at XXXX XXXX is not honoring Article 12 of the Mortgage signed by XXXX XXXX XXXX and XXXX XXXX XXXX on XX/XX/XXXX : Loan No. XXXX ; XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). This problem has been continual from the previous servicing companies.
This is not allowing me, the co-mortgagor/successor, to communicate and complete all procedures and/or any other instruments required regarding this loan.
The following issues are the reason the lender will not communicate with me : the deed ( XXXX XXXX XXXX XXXX XXXX ) reads as Tenants in Common ( based on the entitlement of interest ) but the mortgage reads as Joint Tenants ( equal share ).
Special note : I was never allowed to sign the note to grant my portion of ownership of the property ; this is due to the mortgage being written as Joint Tenants.
INTRODUCTION A. The borrower/co-mortgagor refinanced the home in XX/XX/XXXX ; borrower left the home in XX/XX/XXXX. The borrower abandoned the residence leaving the co-mortgagor to bear all household expenses.
B. The borrowers mother moved into the home with co-mortgagor in XX/XX/XXXX due to being under XXXX XXXX and XXXX in XX/XX/XXXX. This was an additional expense to co-mortgagor. Co-mortgagor received no support of any type from the borrower.
C. The borrower got married in XX/XX/XXXX and then filed bankruptcy ( reporting to the foreclosure courts his stand { XXXX XXXX XXXX Register of Actions, Response dated XX/XX/XXXX } on our residences foreclosure process ). This item and his absence from any hearings regarding the foreclosure, conveys all interest in the property.
D. Mortgagee still enforces the mortgage documents as a joint tenancy, and promissory note and stated they could not speak with the co-mortgagor ; disregarding Article 12 of the Mortgage. However, the mortgagee at that time verbally informed co-mortgagor to continue to make payments to the suspended account for one year and the borrowers name would be removed from the Deed and Mortgage.
E. Co-mortgagor/successor continued to make payments ( based on Article 12 of the Mortgage ) toward the main objective for mortgage qualification payments placed in a suspended account from XX/XX/XXXX through XX/XX/XXXX ( over three years ). The mortgagee still enforcing the mortgage documents as a Joint Tenant refused to speak with me and continued with foreclosure proceedings.
F. Co-mortgagor/successor was forced to file bankruptcy in order to halt the foreclosure, which damaged co-mortgagors credit. Co-mortgagor/successor is still making payments to the bankruptcy court / suspended account during mediation agreement.
G. If my mediation does not come to an agreement, I have two options as a co-mortgagor/successor : a. Surrender my interest in the property ( as I did not sign the note, I did not give my equity interest to the bank as security ) and the funds in the suspended account for bankruptcy and funds paid for qualifying for assuming the mortgage. The borrower gave up his equity interest in the property ; the bank secured his portion of the equity interest.
b. Make a monthly payment of {$2900.00} for the next 40 months then resume making monthly mortgage payments directly to the bank. The bank is willing to accept the above payment amount knowing that my taxable income is well below that amount ( no proof of income as long as I can make the payments ).
H. File a quiet title in order to eliminate XXXX XXXX XXXX as a Grantee. The mortgage will still be a legal entity against the borrower ( XXXX XXXX XXXX ) in Chapter XXXX bankruptcy.
Borrower a. Borrower cohabitated in an apartment along with co-mortgagors son from a previous relationship and had a daughter with co-mortgagor.
b. Co-mortgagor added borrower to the deed then obtained a construction loan to build our first home where co-mortgagors initial house stood ; with future plans to get married.
c. Co-mortgagor paid off the prior mortgage with funds from my retirement plan.
d. Borrower/co-mortgagor used borrowers sister as a mortgage broker/loan officer and cousin as closing agent.
e. Co-mortgagor used 401K earnings to pay off the balance on the FHA loan of our first homestead property.
f. Borrower wanted a 30-year instead of 15-year term mortgage wanted by the co-mortgagor ; by being the sole signer on the promissory note as borrower, he designated the 30-year mortgage.
g. Borrower/co-mortgagor provided all documents required for this type of loan. They were provided to the processor and underwriter for approval of this loan. There was neither request for the current warranty deed nor a request for a new deed to be signed.
h. Mortgagee still enforces the mortgage documents as a joint tenancy, and promissory note and stated they could not speak with the co-mortgagor ; disregarding Article 12 of the Mortgage. However, the mortgagee at that time verbally informed co-mortgagor to continue to make payments to the suspended account for one year and the borrowers name would be removed from the Deed and Mortgage.
i. Co-mortgagor/successor continued to make payments ( based on Article 12 of the Mortgage ) toward the main objective for mortgage qualification payments placed in a suspended account from XX/XX/XXXX through XX/XX/XXXX ( over three years ). The mortgagee still enforcing the mortgage documents as a Joint Tenant refused to speak with me and continued with foreclosure proceedings.
j. Borrower abandoned the residential property and got married and filed Chapter XXXX conveying all financial responsibilities to the residential property.
k. Borrower took a stand for the right to remove himself from tenants in common by writing a Lis Pendens response to the Foreclosure Homestead, Case No. XXXX, conveying his interest to the property ; relinquishing absolute and unconditional control. Borrower has been in default of Foreclosure Homestead as of XX/XX/XXXX. By being in default, borrower has shown the bankruptcy and foreclosure courts that he has no intent, concern, interest, or value to this property.
Co-Mortgagor/Successor ( from Mortgage under Joint Tenants ) a. The property was given to the co-mortgagor by my father.
b. Co-mortgagor added the borrower to the deed in XX/XX/XXXX in order to obtain a construction loan.
c. After completion, borrower/co-mortgagor obtained an FHA loan. Deed and promissory note read as follows : XXXX XXXX XXXX XXXX XXXX, a single man and XXXX XXXX XXXX, a single woman ( as tenants in common ).
d. The home was refinanced in XX/XX/XXXX. I used my 401K earnings to pay off the balance on the FHA loan. I was informed by the mortgage broker/loan officer ( the borrowers sister ) and the closing agent ( the borrowers cousin ) that I would be on the mortgage and the promissory note for a 15-year term not 30 years. I signed the documents early as I had to return to work and was ensured by the mortgage broker/closing agent that everything would be fine.
e. Borrower/co-mortgagor provided all documents required for this type of loan. They were provided to the processor and underwriter for approval of this loan. There was neither a request for the current warranty deed nor a request for a new deed to be signed.
f. I found out after the 3-day rescission period that the numbers were different. After reviewing the closing documents at home, I found out that only the borrowers bills were paid and funds from the proceeds were paid directly to the borrower only.
g. Shortly after closing the loan, the borrower began staying in XXXX stating it was more cost effective for him than commuting back to XXXX.
h. The hardship began when the borrower left in XX/XX/XXXX. I was now left with all of the household expenses, raising our daughter alone, and caring for the borrowers sick mother who moved in with me in XX/XX/XXXX. She was under XXXX XXXX and XXXX in XX/XX/XXXX. Please note that borrower never supported our daughter nor assisted financially for his mothers care.
i. Co-mortgagor received documents about a loan modification in the borrowers name. Lender still enforces the mortgage documents and promissory note and stated they could not speak with me. The lender at that time informed me to continue to make payments to the suspended account for one year and the borrowers name would be removed from the deed and mortgage.
j. Mortgagee still enforces the mortgage documents as a joint tenancy, and promissory note and stated they could not speak with the co-mortgagor ; disregarding Article 12 of the Mortgage. However, the mortgagee at that time verbally informed co-mortgagor to continue to make payments to the suspended account for one year and the borrowers name would be removed from the Deed and Mortgage.
a. Co-mortgagor/successor continued to make payments ( based on Article 12 of the Mortgage ) toward the main objective for mortgage qualification payments placed in a suspended account from XX/XX/XXXX through XX/XX/XXXX ( over three years ). The mortgagee still enforcing the mortgage documents as a Joint Tenant refused to speak with me and continued with foreclosure proceedings. Borrower abandoned the residential property and got married and filed Chapter XXXX conveying all financial responsibilities to the residential property. Please note, from my understanding, the borrower attended all his Chapter XXXX bankruptcy hearings because he had an interest or concern. He told me that he had no interest or concern in this matter any more.
k. Co-mortgagor continued to make payments from XX/XX/XXXX through XX/XX/XXXX attempting to qualify to be added to the promissory note. However, the funds were collected from me but they proceeded with the foreclosure informing me that I must have the borrower sign off the deed. My first attorney never addressed the concern of how to have the borrower removed from the deed by use of a quiet title. He only referred to a quit claim deed. Other attorneys stated nothing could be done but to surrender the property.
l. Co-mortgagor was forced to file bankruptcy, using Article 12 of the Mortgage, in order to halt the foreclosure. During bankruptcy proceedings for Chapter XXXX, again I continued to make payments toward qualifying to obtain the mortgage in co-mortgagors name. I began making payments to the bankruptcy courts, as a Successor based on Article 12 of the Mortgage, ( in a suspended account ) in XX/XX/XXXX through XX/XX/XXXX.
m. Bankruptcy mediation gave me, the Successor ( based on Article 12 of the Mortgage ), two options by XX/XX/XXXX 1. Surrender my interest in the property ( as I did not sign the note as a co-borrower, I did not give my equity interest to the bank as security ) and the funds in the suspended account for bankruptcy and funds paid for qualifying for assuming the mortgage. The borrower gave up his equity interest in the property ; the bank secured his portion of the equity interest.
2. Make a monthly payment of {$2900.00} for the next 40 months then resume making monthly mortgage payments directly to the bank.
n. File a quiet title in order to eliminate XXXX XXXX XXXX as a Grantee. The mortgage will still be a legal entity against the borrower ( XXXX XXXX XXXX ) in Chapter XXXX bankruptcy.
FACTS Uniform Residential Loan Application ( Information on the loan application is what is used for underwriting the loan for approval ) Mortgage applications follow the Uniform Residential Loan Application I. TYPE OF MORTGAGE AND TERMS OF LOAN Mortgage Applied for : Conventional Agency Case Number Lender Case Number XXXX XXXX. PROPERTY INFORMATION AND PURPOSE OF LOAN Subject Property Address ( street, city, state & ZIP ) XXXX XXXX XXXX, XXXX, XXXX XXXX, Florida XXXX Legal Description of Subject Property ( attach description if necessary ) Year Built See attached Deed XX/XX/XXXX Purpose of Loan : Refinance Property will be : Primary Residence Title will be held in what Name ( s ) Manner in which Title will be held XXXX XXXX XXXX XXXX XXXX, single man Tenants in Common XXXX XXXX XXXX, single woman VIII. DECLARATIONS If you answer Yes to any questions a through e, Borrower Co-Borrower Please use continuation sheet for explanation All answers are NO -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - l. Do you intend to occupy the property as your primary residence? If Yes, complete question m below.
m. Have you had an ownership interest in a property in the last three years? Yes ( 1 ) What type of property did you ownprincipal residence ( PR ) ( 2 ) How did you hold title to the homejointly with another person ( O )? XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX.
ACKNOWLEDGEMENT AND AGREEMENT Each of the undersigned specifically represents to Lender and to Lender 's actual or potential agents, brokers, processors, attorneys, insurers, servicers, successors and assigns and agrees and acknowledges that : ( 1 ) the information provided in this application is true and correct as of the date set forth opposite my signature and that any intentional or negligent misrepresentation of this information contained in this application may result in civil liability, including monetary damages, to any person who may suffer any loss due to reliance upon any misrepresentation that I have made on this application, and/or in criminal penalties including, but not limited to, fine or imprisonment or both under the provisions of Title 18, United States Code, Sec. 1001, et seq. ; ( 2 ) the loan requested pursuant to this application ( the " Loan '' ) will be secured by a mortgage or deed of trust on the property described in this application ; ( 3 ) the property will not be used for any illegal or prohibited purpose or use ; ( 4 ) all statements made in this application are made for the purpose of obtaining a residential mortgage loan ; ( 5 ) the property will be occupied as indicated in this application ; ( 6 ) the Lender, its servicers, successors or assigns may retain the original and/or an electronic record of this application, whether or not the Loan is approved ; ( 7 ) the Lender and its agents, brokers, insurers, servicers, successors, and assigns may continuously rely on the information contained in the application, and I am obligated to amend and/or supplement the information provided in this application if any of the material facts that I have represented herein should change prior to closing of the Loan ; ( 8 ) in the event that my payments on the Loan become delinquent, the Lender, its servicers, successors or assigns may, in addition to any other rights and remedies that it may have relating to such delinquency, report my name and account information to one or more consumer reporting agencies ; ( 9 ) ownership of the Loan and/or administration of the Loan account may be transferred with such notice as may be required by law ; ( 10 ) neither Lender nor its agents, brokers, insurers, servicers, successors or assigns has made any representation or warranty, express or implied, to me regarding the property or the condition or value of the property ; and ( 11 ) my transmission of this application as an " electronic record '' containing my " electronic signature, '' as those terms are defined in applicable federal and/or state laws ( excluding audio and video recordings ), or my facsimile transmission of this application containing a facsimile of my signature, shall be as effective, enforceable and valid as if a paper version of this application were delivered containing my original written signature. Acknowledgement. Each of the undersigned hereby acknowledges that any owner of the Loan, its servicers, successors and assigns, may verify or reverify any information contained in this application or obtain any information or data relating to the Loan, for any legitimate business purpose through any source, including a source named in this application or a consumer reporting agency. ( Item D ) The practice of most lenders is to rerun information on a weekly basis is to make sure nothings changed and to insure that all data in the loan file is accurate. There are specific rules under the Fair Housing Act and other federal laws with what needs to be asked [ to borrowers ] Mortgage applications follow the Uniform Residential Loan Application thats used by XXXX XXXX and XXXX XXXX. A mortgage broker/loan officer collects an applicants information on behalf of a lender that makes the decision whether to originate the mortgage. Cant underwrite or approve a loan.
ISSUES A. All in the Family : improper disclosure to co-mortgagor ; confidentiality issues ; steering customer not to be on the note ; changed co-mortgagor request for a 15-year mortgage through fraud, bad faith, and coercion.
B. Borrower relinquished absolute unconditional control to interest in the deed under borrower ( I thru o ) C. Deed does not match mortgage. The mortgage is a lien on your title and the failure to correctly identify the interest in the property would not allow the enforceability of the mortgage lien. The mortgage should not vary from the deed in description of the property or interest. ( Title company error. ) A form filled out incorrectly or a misunderstood law caused problems. The co-mortgagor/successor lost money due to incompetence or carelessness, the legal entities along with the title company should be held liable for negligence, which is an unintentional breach of a legal duty.
D. As the co-mortgagor did not sign the promissory note as a co-borrower, I did not give my equity interest to the bank as security.
E. The bank is still holding co-mortgagors/successors monthly payments to determine a monthly loan modification payment as a Successor, under the borrowers foreclosure. Co-mortgagor filed Chapter XXXX to obtain a loan modification as a Successor but was turned down both times. A Successor does not have to be on the note, but they have the right to pay off the secured interest held by the bank. The bank must honor her interest in the property as a Successor. The bank has the right to ask the Successor for financial information. No record of where the funds were applied during the qualification for a loan modification as a Successor. As a result of the dismissal of my bankruptcy case, the attorney, XXXX XXXX, has agreed to refund to me {$2700.00} in order to hire a quiet title attorney. As of today, I am hiring a new attorney, XXXX XXXX XXXX, to file for a quiet title, and to file a complaint with the clerk of courts in XXXX County followed by a Notice of Pendency Action that is recorded by county clerk. Please forward these funds to my attorney, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, FL XXXX, Phone : XXXX, Toll Free : XXXX. I had hired an attorney for a partition ; however, the attorney recommended a quit claim deed by requesting that the borrower, XXXX XXXX, sign the quit claim deed. The attorney was unable to complete this process.
CONCLUSION A. Title insurance policiesYour closing costs will include payment for the policy that protects the lenders investment against claims against your ownership of the property. This will repay the lender for the amount of your mortgage loan if, for any reason, your ownership is legally declared void. You should seriously consider a title insurance policy to protect your personal investment also. If your title is voided, an owners title insurance policy will repay the amounts of your down payment and other costs.
B. Errors were made in the mortgage by the underwriter, title company, title agent, closing agent ; all failed in properly titling the vested interest in the property.
C. All lenders are refusing to speak with the co-mortgagor/successor because she is not on the mortgage note are violating my rights ; again, failing to honor Article 12 of the Mortgage which requires her to file a quiet title.
D. The bankruptcy attorney failed to file the documents in the foreclosure court before the house was sold.
E. Not signing the note does not equate to XXXX XXXX relinquishing her interest to the bank ( the relinquishing party, XXXX XXXX XXXX, is in Chapter XXXX ).
REASONING Various factors like rights, titles, and the interests of the borrowers were entrusted to the bank.
The lender and the borrower trusted that the title company would assume the chronology of these transactions in order that the mortgage-backed securities would enforce the arrangement of the note and the mortgage without any cloud against it. The Deed follows the Note to ensure proper chain of title on an Assignment of a Note and Mortgage. Failure to correctly identify the chain of title interests to the property would not allow the enforceability of a mortgage lien, a foreclosure, nor a bankruptcy. The deed reads the partys names as tenants in common. The mortgage reads the partys names as joint tenants. The correction needed a new deed and should be titled as joint tenants to maintain the chain of title ; or change the mortgage deed to tenants in common. Either correction would force the loan to go back to underwriting. Please note that if there is any change in documents, the borrowers must be informed.
The mortgage is invalid to the deed if the transfer caused fraud, menace, duress, and undue influence. It should have been overturned by the title company and the underwriter. The homeowner believes she has been taken advantage of by a disreputable company.
A. Co-mortgagor is requesting that the title company pay defaulted mortgage due to a chain of title issue which negates the promissory note from the deed by not clarifying her interest in the property as designated in a tenants in common. This does not release the borrower from his secured interest which was declared in his Chapter XXXX bankruptcy. There was no clarification of what percentage of secured interest the borrower had with the bank.
B. Underwriting rules may differ for joint tenants ( equal ownership ) and tenants in common ( percentage of ownership ) on the deed.
As XXXX XXXX is not honoring Article 12 of the Mortgage and refusing to speak with the co-mortgagor/successor ; the co-mortgagor/successor is requesting a quiet title. Filing a quiet title would give me fee simple sole ownership of the property. I am, therefore requesting time to complete the process due to the status of the foreclosure proceeding. The lender has taken 42 months to refuse my status as a successor as stated in the incorrect mortgage listed as Joint Tenants. I am asking for that time ( 10 months ) to complete filing for quiet title.
I, XXXX XXXX XXXX, am a co-mortgagor/Defendant in the above-entitled action. I have read the foregoing and know the contents thereof. The same is true of my own knowledge, except as to those matters which are therein alleged on information and belief, and as to those matters, I believe it to be true.
Dated : XX/XX/XXXX _________________________ XXXX XXXX XXXX Co-Borrower/Defendant Co-Mortgagor/Successor XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXXXXXXXXXX IF A NONLAWYER HELPED YOU FILL OUT THE FORM, HE MUST FILL IN THE BLANKS BELOW : I, XXXX XXXX XXXX, XXXX, a nonlawyer, located at XXXX XXXX XXXX, XXXX FLORIDA, XXXX, helped XXXX XXXX. XXXX., who is the DEFENDANT, fill out this form.
Copies furnished to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Email : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Attn : XXXX XXXX, XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX, XXXX.
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX Phone : XXXX Toll Free : XXXX Fax : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXXXXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX Phone : XXXX XXXXXXXXXXXX Nationstar Mortgage, LLC XXXX XXXX XXXX XXXX, TX XXXX Attn : XXXX XXXX XXXXXXXXXXXX XXXX Ph XXXX Fax XXXX XXXX XXXX XXXX, XXXX Corrections Officer XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Florida Attorney General XXXX XXXX ; via email Consumer Financial Protection Bureau ; via email Office of the Comptroller of the Currency ( OCC ) ; via email XXXX XXXX, Governor of Florida, via email
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Consumer Consent Provided |
Consent provided
|
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3007242
|
2018-08-31
|
Incorrect information on your report
|
Mortgage
|
|
Issue |
Incorrect information on your report
|
Timely |
Yes
|
Company |
NATIONSTAR MORTGAGE LLC
|
Product |
Mortgage
|
Sub Issue |
Account information incorrect
|
Sub Product |
Conventional home mortgage
|
Date Received |
2018-08-31
|
Submitted Via |
Phone
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2018-08-31
|
Consumer Consent Provided |
N/A
|
|
2933060
|
2018-06-11
|
Incorrect information on your report
|
Mortgage
|
|
Issue |
Incorrect information on your report
|
Timely |
Yes
|
Company |
NATIONSTAR MORTGAGE LLC
|
Product |
Mortgage
|
Sub Issue |
Account status incorrect
|
Sub Product |
FHA mortgage
|
Date Received |
2018-06-11
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2018-06-11
|
Complaint What Happened |
I am sending this note asking for a update credit report based upon receiving credit hits during Protection Disaster Assistants. My mortgage payments were on time every month for the entire duration of the loan until Hurricane Irma XX/XX/XXXX. I called and made a couple of payments after the hurricane in XX/XX/XXXX andXX/XX/XXXX to do what I could to keep this loan current. I offered to pay the past due amount before they reported again and I was told no need to since I was currently going through a modification. The payments I was making at the beginning of the year I thought were going to my past due balance. I was told that my account was coded incorrectly which caused for the negative remarks on my credit.
This home is currently under contract for sale and I am trying to purchase a new home. I was told I am no longer pre-approved with these negative remarks and with my Credit Score dropping 88 points. I am 10 days out from being with in the 45 days of closing on the new house and in jeopardy of losing the house.
I have been calling the bank every day to try to speak with someone and they keep telling me the same thing, there is no one above them that could help me. Im supposed to have a loan specialist and that person has changed twice, I leave messages and can never get in touch with them.
PLEASE HELP!!!
Sincerely XXXX XXXX
|
Consumer Consent Provided |
Consent provided
|
|
2083058
|
2016-08-26
|
Loan servicing, payments, escrow account
|
Mortgage
|
|
Issue |
Loan servicing, payments, escrow account
|
Timely |
Yes
|
Company |
NATIONSTAR MORTGAGE LLC
|
Product |
Mortgage
|
Sub Product |
Conventional adjustable mortgage (ARM)
|
Date Received |
2016-08-26
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
No
|
Date Sent To Company |
2016-08-26
|
Complaint What Happened |
Dear CFPB- I am writing because I received a property insurance cancellation notice ( attached ) from XXXX XXXX due to non-payment of premium of {$6700.00} by my Mortgage servicer ( Nationstar ) unless paid by XXXX XXXX 2016.
As per my last mortgage Statement, Nationstar is holding in escrow a balance of {$11000.00} There are XXXX active disturbances in the XXXX that could negatively affect my home and Nationstar Mortgage is risking my insurance coverage either through neglect of with the intent putting me in peril by maximizing leverage of my escrow funds to for their own benefit.
I have faxed copies of this letter to Nationstar and sent a letter to their listed office of insurance renewals at XXXX and tax notices/bills at XXXX with no reply.
My mortgage has been re-sold twice in three years and this is the second time in that period that this has happened.
I expect that since Nationstar has proven themselves to not be reliable custodians of an escrow account and my equity in my home is significantly above XXXX % that I will attempt to take responsibility of payment of property insurance and property taxes.
Thank you for your assistance with this matter.
|
Consumer Consent Provided |
Consent provided
|
|
423128
|
2013-06-04
|
Application, originator, mortgage broker
|
Mortgage
|
|
Issue |
Application, originator, mortgage broker
|
Timely |
Yes
|
Company |
NATIONSTAR MORTGAGE LLC
|
Product |
Mortgage
|
Sub Product |
Conventional fixed mortgage
|
Date Received |
2013-06-04
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
No
|
Date Sent To Company |
2013-06-05
|
Consumer Consent Provided |
N/A
|
|
2836350
|
2018-03-07
|
Struggling to pay mortgage
|
Mortgage
|
|
Issue |
Struggling to pay mortgage
|
Timely |
Yes
|
Company |
NATIONSTAR MORTGAGE LLC
|
Product |
Mortgage
|
Sub Product |
FHA mortgage
|
Date Received |
2018-03-07
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2018-03-07
|
Complaint What Happened |
On XX/XX/XXXX, we had hurricane Irma and due to that, I was out of work for a while. I called NationStar Mortgage which goes by Mr. Cooper now and explained that to them. They told me that I did not have to make any payments till XX/XX/XXXX and that those payments were going to be added to the back of my loan. I called them on XX/XX/XXXX, and the operator that I spoke with told me that I didn't have to make my payment till XX/XX/XXXX. When I tried to make a payment in XX/XX/XXXX, it showed that I had to pay {$3000.00}. I called and spoke with them and they told me that when I called in XXXX, they did not have a plan on how they were going to help the customers affected with the hurricane. I told them that they told me something different when I called on XXXX. I spoke with a supervisor who taught that all I have to do is send a letter from my job and after that the payments were going to be added to the back of my loan. I sent the letter and called them a couple of times and they never return my call. Two days ago, I got an email saying that nothing was approved and that I have to pay {$3600.00} all together and that they do not take partial payment. They are very deceitful and they should not be telling customer lies. If they would it told me that back in XXXX, I would borrow the money from someone and pay my mortgage. I do not have {$3600.00}, I work and go to school which I pay in cash. They need to honor their word and add those payments to the back of the loan.
|
Consumer Consent Provided |
Consent provided
|
|
2909435
|
2018-05-11
|
Trouble during payment process
|
Mortgage
|
|
Issue |
Trouble during payment process
|
Timely |
Yes
|
Company |
NATIONSTAR MORTGAGE LLC
|
Product |
Mortgage
|
Sub Product |
Conventional home mortgage
|
Date Received |
2018-05-11
|
Submitted Via |
Referral
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2018-05-16
|
Consumer Consent Provided |
N/A
|
|
2908604
|
2018-05-16
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
Issue |
Incorrect information on your report
|
Timely |
Yes
|
Company |
NATIONSTAR MORTGAGE LLC
|
Product |
Credit reporting, credit repair services, or other personal consumer reports
|
Sub Issue |
Account status incorrect
|
Sub Product |
Credit reporting
|
Date Received |
2018-05-16
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2018-05-16
|
Complaint What Happened |
I recently refinanced a 1st mortgage with Nationstar ( now Mr Cooper ) and a LOC with XXXX into a single mortgage. Being in Florida, and having suffered damage due to Hurricane Irma, I took advantage of the XXXX XXXX loan forbearance on the Nationstar mortgage and was in the process of deferring my XXXX, XXXX, and XXXX loan payments. I was told that we would then discuss what would be done and either pay all to bring it up to date or somehow adjust the payments going forward. The refinance process took forever. We started the first week in XXXX and the loan didn't fund until XX/XX/XXXX. Herein lies the problem. Nationstar was greatly responsible for the delay in the refinance as they were not able to reply or get paperwork out in a timely manner. NOW Nationstar is reporting to XXXX that I had a 90 day past due payment. They are saying the entire amount of the 3 payments was due on XX/XX/XXXX. My ex-wife was still on the loan with me and they are reporting the same on her credit. Each of us had excellent credit before this ( over 750 ) and now have credit in the low 600s. Nationstar is not replying to complaints that we have filed and is not returning phone calls. ADDITIONALLY, they did not send me my escrow balance until I had to call and ask for it, 2 months after the refinance funded. We just need someone to help us. I plan on buying a car in the next few months and this credit error is going to make that more difficult.
|
Consumer Consent Provided |
Consent provided
|
|
2853067
|
2018-03-24
|
Struggling to pay mortgage
|
Mortgage
|
|
Issue |
Struggling to pay mortgage
|
Timely |
Yes
|
Company |
NATIONSTAR MORTGAGE LLC
|
Product |
Mortgage
|
Sub Product |
Other type of mortgage
|
Date Received |
2018-03-24
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2018-03-28
|
Complaint What Happened |
We are homeowners who were paying our mortgage religiously every month for over 12 years {$1200.00} a month. Then, Nationstar Mortgage ( NSM ) bought our loan and increased the payment to {$1900.00} a month. The increase amount was not in our budget so we called the company for a loan modification. This is when our American dream turned to a nightmare.
We are filing a complaint based on illegal representation of loan modification procedures and omissions of NSM, now Mr. Cooper.
Our family has not been awarded / granted a loan modification although we have tried. NSM took too long to finalize our file and now we are facing foreclosure.
We would have made our payment only if we have received the approval letter and confirmation of future payments. We never received the final notice, we found out when we did not hear from them, and we decided to call them. When we made our inquiry with NSM, as to why we were not informed, we were told that we had to start the process all over again. This negligence has led to further disarray and miscommunication between the loan documentation department. We were then instructed to wait for approval one more time and to complete another application.
RIGHT NOW, WE NEED TO SAVE OUR HOME on XXXX XXXX XXXX XXXX XXXX, Florida XXXX. On XX/XX/XXXX, we have a hearing for FORECLOSURE.
I beg you to help with canceling foreclosure and finalize the modification. I got in touch with an HUD agency to help us with counseling and a solution on our own. I want a review of our loan modification ; please help our family save our home.
Important dates : XX/XX/XXXX- Mortgage payment increased to {$2000.00} we called to do a modification and after hours spent on the phone and many papers faxed and sent by mail ; we never got the letter for approval. we called and XXXX XXXX from NSM told us that we had to start all over again because we did not responded to the approval that by the way we never received.
XX/XX/XXXX-XX/XX/XXXX Second modification was done but we were told by our broker, XXXX XXXX XXXX, XXXX and Attorney XXXX XXXX not to pay because we were not guarantee the future monthly payment and that NSM could keep that money and not decline the loan modification. We were scammed by XXXX XXXX and Attorney XXXX XXXX,. as you can see in the court papers, they never responded to the court. They made us signed the deed of the house, rented our house and kept the money for more than six months.
After that we hired Attorney XXXX XXXX XXXX to defend us and XXXX to deal with the application for modification. XXXX did not include my income and the modification was denied for lack of income. He said that because my name was not in the loan ; it was okay not to add my income and only use my husband 's income.
We are now facing a day in court and we do not know what to do.
We contacted XXXX XXXX XXXX and have an appointment for counseling next week. ( see attachment information ) We attached the court case for dates and information
|
Consumer Consent Provided |
Consent provided
|
|
1917118
|
2016-05-09
|
Loan modification,collection,foreclosure
|
Mortgage
|
|
Issue |
Loan modification,collection,foreclosure
|
Timely |
Yes
|
Company |
NATIONSTAR MORTGAGE LLC
|
Product |
Mortgage
|
Sub Product |
Conventional adjustable mortgage (ARM)
|
Date Received |
2016-05-09
|
Submitted Via |
Postal mail
|
Company Response |
Closed with explanation
|
Consumer Disputed |
Yes
|
Date Sent To Company |
2016-05-11
|
Consumer Consent Provided |
N/A
|
|
1868132
|
2016-04-06
|
Loan modification,collection,foreclosure
|
Mortgage
|
|
Issue |
Loan modification,collection,foreclosure
|
Timely |
Yes
|
Company |
NATIONSTAR MORTGAGE LLC
|
Product |
Mortgage
|
Sub Product |
Conventional fixed mortgage
|
Date Received |
2016-04-06
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
No
|
Date Sent To Company |
2016-04-06
|
Complaint What Happened |
Attempting to modification. Submitted paperwork. trying to get Nationstar on phone is impossible. Every attempt to transfer to any area has the call dropped. It is as if they are purposely avoiding to work with customers.
|
Consumer Consent Provided |
Consent provided
|
|
2891541
|
2018-04-30
|
Struggling to pay mortgage
|
Mortgage
|
|
Issue |
Struggling to pay mortgage
|
Timely |
Yes
|
Company |
NATIONSTAR MORTGAGE LLC
|
Product |
Mortgage
|
Sub Product |
Conventional home mortgage
|
Date Received |
2018-04-30
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2018-05-19
|
Complaint What Happened |
In XX/XX/XXXX I received papers stating I was being sued for not paying the mortgage on my property. I called my lawyer, XXXX XXXX XXXX, who agreed to meet with me at a XXXX Gas Station to retrieve the papers. XXXX XXXX XXXX took the papers from me without a discussion of price and assured me that he would appeal the case. XXXX XXXX told me not to worry. There was a court date scheduled for XXXX that was canceled for a reason unbeknownst to myself. Instead, in XX/XX/XXXX XXXX XXXX and his associate approached my wife and I with non-disclosure agreements that we both chose not to sign. From XX/XX/XXXX-XX/XX/XXXX, I heard nothing form the lawyer until my wife and I received two subpoenas to appear in court on XX/XX/XXXX to settle {$70000.00} accrued in attorney fees from the case. Confused and obedient, my wife and I attended court on XX/XX/XXXX. XXXX XXXX never spoke with us about what was occurring leaving my wife and I uneducated and underrepresented. During court I told the attorney I did not have any idea of the agreement and did not understand what was happening. During the hearing, I heard the bank and lawyer conversing and alluding to where the check would be sent and in whose name it would be in. I am concerned that I was underrepresented and taken advantage of throughout the course of the case. My lawyers failure to be ethical and transparent has damaged my livelihood and contributes to my on-going XXXX XXXX and medical conditions of which I have been hospitalized multiple times throughout the tenure of this case.
|
Consumer Consent Provided |
Consent provided
|
|
2798931
|
2018-01-30
|
Trouble during payment process
|
Mortgage
|
|
Issue |
Trouble during payment process
|
Timely |
Yes
|
Company |
NATIONSTAR MORTGAGE LLC
|
Product |
Mortgage
|
Sub Product |
Conventional home mortgage
|
Date Received |
2018-01-30
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2018-01-30
|
Complaint What Happened |
I was denied a loan modification, twice in the last 2 years by Nationstar Mortgage. After hiring a lawyer and paying for a Mediation, the lawyer and bank have allowed my home go into foreclosure. I am also XXXX, XXXX XXXX, for the second time and have owned my home since XXXX. XXXX XXXX XXXX ( I was with them for 26 years ) sold my Mortgage to Nationstar after I said I was filing a complaint against them for denying a HARP loan that I was eligible for. XXXX tried to tell me that I needed to be late with my payments to be eligible and I knew better because I had read the stipulations on the Government web sight. When I told them that I was filing a complaint because of false information, they sold my mortgage. Nationstar also told me to be late with payments and I told them it was not correct info. They promised to lower my payments through the Loan Modification Program. After making the 3 initial payments, I was told to wait until I was notified about my new payment. After several months, I contacted them to find out what was going on and I was told that I had to do the loan modification again, because I didn't send payments, when I was told to wait. I again went through another modification and discovered that Nationstar was reporting me late to the Credit Bureaus. I had to hire a lawyer, who was in bed with the other lawyers and they " kicked the can down the road '' and I now am in foreclosure. I had an IRA that the lawyer told me to drain so that I could make Nationstar a cash offer. I had {$110000.00} and tried to make an offer, through my lawyer, and was never given a payoff amount. The lawyers have charged me almost {$20000.00} and I have accrued charges that are {$41000.00} over what I originally owed. I notified your agency at the beginning of the year, by phone, and NEVER received a complaint form. Thank You for your help with my situation. I have listened to XXXX XXXX and I appreciate ALL that your agency does to help us. We finally have a voice against these unjust practices. I am XXXX years old and have never asked for help and I really need it now. XXXX Bless and Thanks for your attention.
|
Consumer Consent Provided |
Consent provided
|
|
656371
|
2014-01-06
|
Loan servicing, payments, escrow account
|
Mortgage
|
|
Issue |
Loan servicing, payments, escrow account
|
Timely |
Yes
|
Company |
NATIONSTAR MORTGAGE LLC
|
Product |
Mortgage
|
Sub Product |
Other mortgage
|
Date Received |
2014-01-06
|
Submitted Via |
Referral
|
Company Response |
Closed with explanation
|
Consumer Disputed |
Yes
|
Date Sent To Company |
2014-01-08
|
Consumer Consent Provided |
N/A
|
|
3041007
|
2018-10-09
|
Applying for a mortgage or refinancing an existing mortgage
|
Mortgage
|
|
Issue |
Applying for a mortgage or refinancing an existing mortgage
|
Timely |
Yes
|
Company |
NATIONSTAR MORTGAGE LLC
|
Product |
Mortgage
|
Sub Product |
FHA mortgage
|
Date Received |
2018-10-09
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2018-10-10
|
Complaint What Happened |
XX/XX/XXXX I was serviced a summons at my Florida home, regarding a home in New York that was suppose to be settled in my divorce in XX/XX/XXXX. Ex wife was to do a refinancing or sell to clear me from the mortgage and all ties to the home in question. To my knowledge Nationstar Mortgage company which was and still is the mortgage company, helped my ex wife, supposedly to refinance in XX/XX/XXXX. In via a phone conversation to me by Nationstar mortgage staff, explained to me that I was title free and clear from that home. I have no knowledge of ever signing or approving any changes they made with my ex wife. With this said, I have gotten summons for a foreclosure. I have summon documents to support what I'm stating as well as, Nationstar Mortgage crossing out my name in several pages, made my ex wife sole owner and also put on paper that " I AM NO LONGER ON TITLE ''. My out look on this matter is that Nationstar Mortgage has been possibly misleading, falsified documents and fraudulent. This has put me in a situation that will cost me attorneys fees, lost work due to handle this matter and hurting my credit with the credit bureau.
|
Consumer Consent Provided |
Consent provided
|
|
2132349
|
2016-09-26
|
Loan modification,collection,foreclosure
|
Mortgage
|
|
Issue |
Loan modification,collection,foreclosure
|
Timely |
Yes
|
Company |
NATIONSTAR MORTGAGE LLC
|
Product |
Mortgage
|
Sub Product |
Other mortgage
|
Date Received |
2016-09-26
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
Yes
|
Date Sent To Company |
2016-09-26
|
Consumer Consent Provided |
Consent not provided
|
|
2385295
|
2017-03-14
|
Loan modification,collection,foreclosure
|
Mortgage
|
|
Issue |
Loan modification,collection,foreclosure
|
Timely |
Yes
|
Company |
NATIONSTAR MORTGAGE LLC
|
Product |
Mortgage
|
Sub Product |
Conventional fixed mortgage
|
Date Received |
2017-03-14
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
No
|
Date Sent To Company |
2017-03-15
|
Consumer Consent Provided |
Other
|
|
2154179
|
2016-10-11
|
Loan modification,collection,foreclosure
|
Mortgage
|
|
Issue |
Loan modification,collection,foreclosure
|
Timely |
Yes
|
Company |
NATIONSTAR MORTGAGE LLC
|
Product |
Mortgage
|
Sub Product |
Conventional fixed mortgage
|
Date Received |
2016-10-11
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
No
|
Date Sent To Company |
2016-10-11
|
Complaint What Happened |
I had previously contacted you when my mortgage company, XXXX, was dragging their XXXX concerning my mortgage modification. Since then they have finally got the papers needed to me and finished the modification.
Now they have sold my mortgage to Nationstar and I have been informed that I have an escrow shortage so my payment will shoot up to {$1100.00} a month. ( NOTE : I received a letter after starting this that states it will be {$1500.00} a month ) My concern here is that when XXXX did the modification to a 40-year term, they also financed an extra {$3000.00} into the escrow so it would not be short. Now Nationstar is telling me the escrow is short and I should look into a short sale, died-in-lieu, or loan modification.
Before I ran into problems I was on time with my mortgage, then XX/XX/XXXX I got divorced and XXXX stated the only way they would remove my ex-wife off the mortgage was to refinance me for 30 more years ( I already had 10 years in on the original mortgage. Then XX/XX/XXXX got behind while my new wife was in school, so then I talked to XXXX. All said and done, they modified me for 40 years at {$980.00} a month. I paid 1 month and the loan was sold and now it is {$1500.00} a month. This, mind you is on a {$66000.00} mortgage note.
And to make matters worse my AC stopped working. Had a service come look and the entire unit has mold in it. I have a XXXX and my wife has XXXX. We are living in an unsafe home for both of us, nowhere to go.
How is it that these mortgage companies can get away with all this? I am being forced from my home. I have no money, I do not live extravagantly, have a truck that has 18 months before it is paid off. I have said I am not one of those people that stays in a home as long as I can without paying ( you hear horror stories all the time ) but what XXXX has done to me, is forcing me to do just that.
Do I save and fix AC, do I save and try to move to a rental? We are clean responsible people, but I have XXXX great dog, XXXX cute cats and a XXXX step-son, so my options are limited. Very limited.
So I ask you, where is the assistance that you hear about that has helped so many others, others that have taken advantage and not paid mortgage payments for a long period of time but were able to refinance to a reasonable payment and a principle reduction?
I have nowhere to go, no idea what to do. I have been beaten down for the last time. Any help will be greatly appreciated.
|
Consumer Consent Provided |
Consent provided
|
|
2767661
|
2017-12-30
|
Trouble during payment process
|
Mortgage
|
|
Tags |
Servicemember
|
Issue |
Trouble during payment process
|
Timely |
Yes
|
Company |
NATIONSTAR MORTGAGE LLC
|
Product |
Mortgage
|
Sub Product |
FHA mortgage
|
Date Received |
2017-12-30
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2017-12-30
|
Complaint What Happened |
***ATTACHED IS NEW EVIDENCE *** EVIDENCE THE LOAN WAS SOLD AS A FRAUD *** PROOF THEY DID NOT SAVE MONEY AND THIS WS HIDDEN USING FRAUD*** PROOF THEY WOULD NOT HAVE QUALIFIED FOR THE LOAN IF THE ESCROW WAS DISCLOSED PROPERLY*** NATIONSTAR/MR COOPER STILL HAS NOT COMPLIED WITH OUR REQUEST ... MR COOPER IS GUILTY OF COUNTLESS CRIMINAL ACTS, THEY HAVE NEVER FOLLOWED THE RESPA, THEY HAVE HID FROM COMPLIANCE WHILE LYING AND SAYING THEY COMPLIED. THEY ONCE AGAIN FAILED TO PROVIDE THE LEGAL PAPERWORK REQIRED FOR LOAN # XXXX. WE WILL ASK ONCE AGAIN FOR THE ORIGINAL, SIGNED LOAN PACKET WITH AN ACCURATE AND PROPER ESCROW DISCLOSURE. WE HAVE SEEN THE FRAUDULENT PAPERS OVER AN OVER AGAIN. IN CASE NATIONSTAR / NOW DBA MR COOPER IS CONFUSED, WE ARE ASKING FOR ESCROW DISCLOSURES, HUD/TRUTH IN LENDING STATEMENTS, AND ALL OF THE OTHER REQUIRED FORMS THAT ACCURATELY AND HONESTLY DISCLOSE THE LOAN AS REQUIRED UNDER THE REAL ESTATE SETTLEMENT PROCEDURES ACT ( RESPA ) IF THESE WERE COMPLETED INACCURATELY DUE TO ANY ERROR OF ANY KIND, THEY NEED TO BE COMPLETED AGAIN AND SIGNED BY ALL PARTIES WITHIN 30 DAYS. THAT SIGNED COPY WITH A PROPER DATE IS SUFFICIENT ALSO. HOWEVER ... SINCE XX/XX/XXXX THE ENTIRE XXXX TEAM AT NATIONSTAR/MR COPPER KNOWS THEY HAVE A FRAUDULENT LOAN HERE. WHILE NATIONSTAR/ MR COOPER WENT THROUGH THEIR ROUTINE BUSINESS PLAN OF CRIME AND THEFT FOR THE PAST 24 MONTHS, I HAVE SLOWLY AND METHODICALLY COLLECTED ALL OF THE DATA AND EVIDENCE NEEDED TO PREVAIL IN ANY CIVIL OR CRIMINAL COURT OF LAW. NO ONE WILL BELIEVE THE LOAN FRAUD, ESCROW THEFT, LOAN PAYMENT, THEFT, AND RAMPANT DISHONESTY WAS ISOLATED OR ACCIDENTAL. IT IS CORPORATE, SYSTEMATIC, PROGRAMMED AND INTENTIONAL ... DIRECTED BY XXXX XXXX XXXX ... AND PROVEN, CONFIRMED AND SIGNED IN WRITING WITH THEIR OWN INK.. THIS ONE LOAN PAINTS THE BIG PICTURE ... NO $ $ $ IS TO EVER BE LOSTAND NO LAWS ARE TO EVER BE FOLLOWED. IN JUST THIS ONE LOAN WE HAVE WIRE FRAUD, MAIL FRAUD, COMPUTER FRAUD, RACKETEERING ( CREATING A FALSE NEED FOR A SERVICE WE NORMALLY WOULD NEVER NEED ), CONSTANT THEFT TO CREATE A CONSTANT, FALSE ILLUSION OF LOAN DELINQUINCY, AND MORE. WE HAVE ASKED FOR THE FOLLOWING ITEMS FROM NATIONSTAR AND THEY ARE REFUSING TO COMPLY SO WE WILL ASK FOR THEM AGAIN ... HERE ... IN WRITING., WITH CFPB COPIED ~ NATIONSTAR/ MR COOPER LOAN XXXX XXXX I AM REQUESTING IN WRITING .. THE FOLLOWING ITEMS # 1 A COPY OF THE ORIGINAL SIGNED LOAN PACKET, WITH WIND INSURANCE ON ALL DISCLOSURES, SIGNED BY ALL PARTIES. WE DO NOT WANT A 10TH COPY OF THE FRAUDLENT LOAN DISCLOSURES WITHOUT WIND INSURANCE. # 2 SINCE WE ALL KNOW YOU CAN NOT PRODUCE THESE DOCUMENTS, WE ARE REQUESTING IMMEDIATE LOAN CANCELLATION AND LIEN REMOVAL IMMEDIATELY AS REQUIRED BY FEDERAL LAW # 3 IN ADDITION, BECAUSE OF THE INTENTIONAL AND CRIMINAL ACTS WE HAVE ENDURED, WE ARE REQUESTING ALL MONIES RECIEVED SINCE YOUR XXXX TEAM WAS MADE FULLY AWARE OF THE FRAUDULENT LOAN, AND CONFIRMED IT, LOAN # XXXX, WE WILL SETTLE FOR {$30000.00} HERE. BECAUSE WE ARE PREPPING FOR LAWSUITS ... ... WE ARE ALSO REQUESTING THE FOLLOWING # 3 COPIES OF THE PHONE RECORDINGS OF MY LAST TWO PAYMENTS, WHICH WERE MISAPPROPRIATED AFTER I WAS TOLD THEY WERE BEING APPLIED TO PAYMENTS, INTENTIONAL THEFT BY YOUR BANK. TOTAL $ $ $ LOST TO WIRE FRAUD BY LYING ON THE PHONE IS OVER {$3000.00} JUST IN XXXX. # 4 COPIES OF MY LAST 5 CONVERSATIONS WITH XXXX XXXX, THIS WILL INCLUDE A REQUEST TO NOT STEAL HOUSE PAYMENTS FROM CUSTOMERS AND A CLEAR EXPLANATION TO HER AND XXXX XXXX OF THE FINANCIAL ILLEGALITIES. IT WAS ALSO A REMINDER OF THE NUMEROUS FEDERAL LAWS THRIR EMPLOYEES ARE KNOWINGLY BREAKING ON A DAILY BASIS USING FRAUD. # 5 IMMEDIATE REMOVAL OF PMI PRIMARY MORTGAGE INSURANCE OR ANY OTHER INSURANCE YOUR COMPANY HAS ATTACHED TO LOAN # XXXX # 6 ALL RECORDINGS OF MY CONVERSATIONS WITH XXXX XXXX # 7 A COPY OF THE VOICEMAILS I LEFT TODAY, XX/XX/XXXX, VERBALLY REMINDING THE XXXX TEAM AND XXXX XXXX OF THE LAWS THEY ARE STILL KNOWINGLY, INTENTIONALLY, SYSTEMATICALLY AND WILINGLY BREAKING. # 8 A COPY OF THE TOP 50 NATIONSTAR SHAREHOLDERS / A LIST OF THE CURRENT BOARD OF DIRECTORS SO WE CAN MAKE THEM FULLY AWARE OF HOW THEIR INVESTMENTS ARE BEING USED FOR THEFT, FEAR AND TERROR # 9 IMMEDIATE REFUND OF ALL ESCROW FUNDS AND A TERMINATION OF ANY PAYMENTS YOU ARE MAKING. IN ADDITION ... BECAUSE WE WILL BE SEEKING TO HAVE YOUR ENTIRE LEGAL TEAM DISBARRED FOR FALSE BILLING AND COUNTLESS OTHER ILLEGAL ACTS ... # 10 WE ARE REQUESTING THE IDENTITY AND CONTACT INFORMATION OF ALL ATTORNEYS INVOLVED IN THIS FILE / CASE, AND XXXX XXXX XXXX, XXXX FLORIDA. NAMES ADDRESSES AND PHONE NUMBERS HERE
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Consumer Consent Provided |
Consent provided
|
|
2759996
|
2017-12-19
|
Trouble during payment process
|
Mortgage
|
|
Tags |
Servicemember
|
Issue |
Trouble during payment process
|
Timely |
Yes
|
Company |
NATIONSTAR MORTGAGE LLC
|
Product |
Mortgage
|
Sub Product |
FHA mortgage
|
Date Received |
2017-12-19
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2017-12-19
|
Complaint What Happened |
MR COOPER HAS STOLEN OUR XXXX XXXX AND XXXX XXXX PAYMENTS USING WIRE FRAUD. WE REQUESTED, IN WRITING, COPIES OF THE RECORDINGS OF OUR CONVERSATIONS WITH THEIR STAFF FOR EVIDENCE FOR OUR STATE AND FEDERAL ATTORNEY GENERAL COMPLAINTS WE WILL BE FILING ... AND THEY REFUSED TO COMPLY. MR COOPER IS A PROVEN CRIMINAL ENTERPRISE DISGUISED AS A LEGITIMATE BUSINESS. WHEN YOU ADD THE 2 STOLEN PAYMENTS TO THE ESCROW THEFT OF {$1500.00} AND THE ADDITIONAL {$2000.00} IN ILLEGAL ATTORNEY AND OTHER FEES USING WIRE FRAUD AND MAIL FRAUD ... WE FIND ONE VICTIM WITH OVER {$5500.00} STOLEN USING CRIMINAL INTENT AND FRAUD. ON THE RARE OCCASION WHEN THEY REVERSE A THEFT, THEY HAVE STILL VIOLATED SEC LAWS BY CREATING AN ILLEGAL PROFIT STREAM, ... USING MONEY THAT WAS NEVER THEIRS ... TO CREATE INTEREST PAYMENTS/ILLEGAL PROFITS. MR COOPER ALSO FAILS TO COMPLY WITH ANY OF THE BASIC CONSUMER AND SERVIING LAWS, MOST NOTABLY FAILURE TO FOLLOW THE RESPA ( REAL ESTATE SETTLEMENT PROCEDURES ACT ). IN THEIR SICK SAD WORLD, THEY HAVE BEEN PROVEN TO STEAL HOMES AND FORECLOSE WITHOUT NOTIFICATION, WE HAVE IT IN WRITING, WITH CFPB COPIED ... BUT LET 'S NOT JUST TAKE MY WORD FOR IT ... HEAR FROM SOME OTHER MR COOPER VICTIMS YO CONFIRM THIS IS INTENTIONAL AND CRIMINAL VICTIM # 1 ~ ANOTHER WIRE FRAUD HOME SALE ~ Date received : XXXX/XXXX/XXXX Consumer 's state : FL Product Mortgage Sub-product : Conventional home mortgage Issue Struggling to pay mortgage Consumer Complaint Narrative Nationstar Mortgage became servicer of my mortgage for XXXX XXXX XXXX. While I was doing a modification with Nationstar/Mr. Cooper ( now ) XXXX filed foreclosure had a sale etc. sold property at sale did not notify me or my attorney at that time also I was in CH XXXX/Bankruptcy .... VICTIM # 2 ... PAYMENT THEFT USING WIRE FRAUD ~ " Date received : XXXX/XXXX/XXXX Consumer 's state : CA Product Mortgage Sub-product : Conventional home mortgage Issue Struggling to pay mortgage Consumer Complaint Narrative The Mortgage Company was formerley Nationstar, now renamed Mr Cooper. In XX/XX/XXXX I was advised by a representative of Nationstar that they were able to apply money from a suspense account to a repayment plan I was on. Later i was informed that was an error by their employee '' ... VICTIM # 3 ... CRIMINAL CONVERSION ... COLLECTING ON A LOAN THEY DON ; T LEGALLY OWN DUE TO FRAUDULENT OR MISSING PAPERWORK ~ " XXXX Company name NATIONSTAR MORTGAGE Company response to consumer Closed with explanation Timely response?
Yes Date received : XXXX/XXXX/XXXX Consumer 's state : CA Product Mortgage Sub-product : Conventional home mortgage Issue Applying for a mortgage or refinancing an existing mortgage Consumer Complaint Narrative Hello! My husband and I are in the process of applying for a HELOC on our home. In the process of collecting all of the documentation needed, we discovered that Nationstar Mortgage / Mr. Cooper ( our mortgage servicer ) does not have a copy of our Mortgage Note ... VICTIM # 4 ~ STOLEN HOUSE PAYMENTS USING WIRE FRAUD ~ ". They did not credit me for the first payment ( phoned in check # XXXX ), and were using my second payment as my first, and my third payment as a second payment. The fourth payment was also not credit to me '' ... VICTIM # 5 ~ ILLEGAL FEES ~ " My suspicions are they have found my payments, but are deducting all the late charges that should be completely removed '' ... VICTIM # 6 ~ " UNWANTED LOAN MODIFICATION ~ " I 'm also puzzled why they claim to have completed a new modification on XX/XX/XXXX ... Why? I did n't need a modification, I needed them to apply my payments correctly ... ..Something they failed to do. '' ... VICTIM # 7~ " ESCROW FRAUD ... ATTEMPTED HOME THEFT USING WIRE AND MAIL FRAUD ~ " There was no shortage in my escrow account. However, I received a new escrow statement from Nationstar dated XX/XX/XXXX, falsely declaring that my escrow account was short { {$1200.00} }. Since my property taxes did not increase by that amount, and I had never missed a payment, it is not possible that my escrow account was that short '' ... VITIM # 8 ... MAIL /WIRE FRAUD ... FAILURE TO FOLLOW THE RESPA XXXX " The strangest part about this sequence of events is that the { {$1000.00} } disbursement Nationstar made to pay for the insurance premiums was never reflected on any of my Nationstar mortgage statements as required. '' ... VICTIM # 9 ~ " FAKE CUSTOMER SERVICE ~ " also mentioned she had reached out to the prior mortgage company, XXXX, to request information on my escrow account from them, but nothing ever came of that. XXXX XXXX has apologized to me for providing poor customer service and for failing to respond to my questions, and for not being able to solve these problems, but she has also refused to forward my questions to other qualified representatives at Nationstar to seek answers to my questions. It is now simply avoidance ... VIXTIM # 10 `~ MORE ESCROW FRAUD ~ " Nationstar has not explained the irregularities in my escrow account ( shortages, missed disbursement line items on statements, sending payments to insurance without invoices, etc. ) '' ~ VICTIM # 11 ~ " MORTGAGE FRAUD /ESCROW FRAUD ~ " I suspect this ruse is intended to create mythical delinquencies for unsuspecting mortgage holders. '' ~ VICTIM # 12
|
Consumer Consent Provided |
Consent provided
|
|
313575
|
2013-02-11
|
Loan servicing, payments, escrow account
|
Mortgage
|
|
Issue |
Loan servicing, payments, escrow account
|
Timely |
Yes
|
Company |
NATIONSTAR MORTGAGE LLC
|
Product |
Mortgage
|
Sub Product |
Home equity loan or line of credit
|
Date Received |
2013-02-11
|
Submitted Via |
Fax
|
Company Response |
Closed with explanation
|
Consumer Disputed |
No
|
Date Sent To Company |
2013-02-13
|
Consumer Consent Provided |
N/A
|
|
697031
|
2014-02-03
|
Application, originator, mortgage broker
|
Mortgage
|
|
Issue |
Application, originator, mortgage broker
|
Timely |
Yes
|
Company |
NATIONSTAR MORTGAGE LLC
|
Product |
Mortgage
|
Sub Product |
Conventional fixed mortgage
|
Date Received |
2014-02-03
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
No
|
Date Sent To Company |
2014-02-03
|
Consumer Consent Provided |
N/A
|
|
695953
|
2014-01-31
|
Settlement process and costs
|
Mortgage
|
|
Issue |
Settlement process and costs
|
Timely |
Yes
|
Company |
NATIONSTAR MORTGAGE LLC
|
Product |
Mortgage
|
Sub Product |
Other mortgage
|
Date Received |
2014-01-31
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
No
|
Date Sent To Company |
2014-01-31
|
Consumer Consent Provided |
N/A
|
|
2037069
|
2016-07-29
|
Loan modification,collection,foreclosure
|
Mortgage
|
|
Issue |
Loan modification,collection,foreclosure
|
Timely |
Yes
|
Company |
NATIONSTAR MORTGAGE LLC
|
Product |
Mortgage
|
Sub Product |
Conventional fixed mortgage
|
Date Received |
2016-07-29
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
No
|
Date Sent To Company |
2016-07-29
|
Complaint What Happened |
I am currently in the process of trying to get a loan modification with Nationstar Mortgage.I was approved for a modification when my mortgage was with XXXX.Only to have XXXX transfer my mortgage to Nationstar and I had to start the process all over again.I submitted all my paperwork into Nationstar only to have them continue to say I was missing items. ( All items requested were submitted ) After submitting my paperwork over 16 times I had no choice but to file for Chapter XXXX.I am now again trying to modify my mortgage outside of my BK and wanted to know is their someone that I can work with from start to finish to complete this task correctly.
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Consumer Consent Provided |
Consent provided
|
|
1902755
|
2016-04-29
|
Loan modification,collection,foreclosure
|
Mortgage
|
|
Issue |
Loan modification,collection,foreclosure
|
Timely |
Yes
|
Company |
NATIONSTAR MORTGAGE LLC
|
Product |
Mortgage
|
Sub Product |
FHA mortgage
|
Date Received |
2016-04-29
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
No
|
Date Sent To Company |
2016-04-29
|
Consumer Consent Provided |
Consent not provided
|
|