Mr. Cooper
Reviews and Complaints

I send my payment in well before the due date and every single month; Nation Star processes my payment one or two days after the due date and incurs late fees. No customer service.

Howdy:

I actually lost a little sleep last night. I did some research and found that Nationstar is not "legitimate" in its request. They eventually will want money "UPFRONT" - not legal at all. I also asked a few colleques and they never head of a 3 month perfect payment "TRIAL PAYMENT". It is usually 6 months and you should have signed an agreement and modification conditions.

Please research more. See below. That website is very very informative and you will see that Northstar is owned by different investors. It is my opinion that you need to contact the "CEO" of the investor company as I mentioned before and get to the bottom of this. Sounds like a scam and you are giving them money with NO commitment. It is my opinion that you not send money without some type of contract?

HOpe this helps...good luck...don't know your age etc. - however, most superior courts have "free" legal council to assist you with questions and if you are a senior, definitely ask AARP and/or you can pull up 'free attorney advice modification" or something like that.

Good luck. Your tenacity in researching, I promise, will be worth it. There are people who care and provide free information. Once you have suceeded (an you will) - pass it on.

Regards,

Deb

http://www.associatedcontent.com/article/1086165/penny_king_laughing_out_loud_as_nationsta...

Nationstar after 3 months of perfect payments in our trial period, have asked us to do another 3 month trial period...have anyone heard of this before?

I recently paid off my loan with these idiots. I got an insurance check that was made out to me and them, sent it to them to get it endorsed, they sent it back sayin I needed to sign it first (red flag). I called and they said that since I was paid off, they could not help me and to call my insurance company (State Farm, very helpful) and they said they would take care of it right away. Be afraid, very, very afraid of Nationstar, or Nation Star. If someone mentions them, run, very fast, do not walk away. They are hard to get a hold of and will give you a run around.

I too asked Nationstar to modify my loan under the Presidents plan and they told me that it isn't a law that they have to abide by and that they have no plans to adjust my loan. My intrest rate is now almost 11 percent. I have been making the payments to them for four years now. I lost my job and called them immediately to tell them that I couldn't make that months payment. They told me that I could make one full month's payment plus 1/4 of the missed payment for the next four months to catch everything up. What they didn't tell me, and I didn't find out until recently when trying to refinance my loan with another company, was that they reported all of the five months of large payments as late to the credit companies. This company needs to be put out of business.

NATIONSTAR AKA MR. Cooper took my loan from CitiMortgage back from September 2016, these [censored] supposed to be "Servicers" for FANNIE MAE only. I understand they can assign / transfer only our loans many times as they want remember this key word "Servicing rights Only" They cant sell/assign your loan to a different investor. I catch their lies and deceits when I filed complaints with the LA County Consumer Affairs, I consulted with some Attorneys what is the role of servicer and what is the role of the investor. I found some more evidence in which I will present to the LA County Consumer Affairs and the California Department Business Oversight, in the past they closed my complaints due to Nationstar/Mr. Cooper's misrepresentation of the facts. I will go after them even in my last BK chapter 13 (got dismissed) they presented the proof of Claim as Creditor, They never gave me credit, The one supposed to be at the BK as Creditor supposed to be the Investor/Beneficiary owner of the Note "Fannie Mae". Basically their Attorneys filled a Fraudulent proof of Claim. They don't stop their abuse and greediness for $$.

Nationstar. Hello. Nationstar. Hey, yea you reading this, come closer. Boo. If I was to tell evetyone to no longer speak on a phone but correspond only by letter from here forward no matter what, how many people would you have to hire? How many people to communicate legal timeframes. How many new attorneys would you need to hire. Would that help you remember my reason for asking for the excessive overpayments charged on this account. I have more suggestions if would like me to go on or call me to discuss returning my money. The way accounting is done is not if its close to that date than thats the payment. Is this a new floating pay system or are your famous 3 pay, no pay, or fraudbearances even real. The loan mods on my account are moving around to. So when you finally put my lost payments back on account please let me know so I can actually see how funds are applied properly on a account.

Dear Mr. Cooper,
      I am writing this letter to explain my unfortunate set of circumstances that have caused me to be delinquent, resulting in a sheriff sale of our home and now reside in a redemption period that ends May 2019. 
      I have not been avoiding my responsibilities to pay, and it has been my full intention to pay what I owe, and I am embarrassed that I am even in this avoidable position at this time. 
      The reason I see for Mr. Copper foreclosing on our home was not because of my inability or unwillingness to pay, as payments were continuously being made, but rather due to (robo) communication phone error(s), accounting errors and for assuming my account was paperless. 
       I learned of the foreclosure proceeding by a County Clerk employee in late October of 2017. I immediately called Mr. Copper to resolve, however I was greeted with unpleasantness and with someone demanding monies with no answerability.  My efforts to immediately pay every nickel (close to $11k) I had at that very moment, begging for no more than a few days to pay the balance, and or balloon payments, was refused by this employee. I was brushed along to her colleagues with the same reflection. However, Edreck, the manager of the same department, directed me to speck to Fannie Mae regarding accounting errors, that there was no time for him to help (day before the sheriff sale). 
       Accounting errors were found, payments received in 2017 were not applied, therefore pushing our home into foreclosure. 
       My families only wish is to save our home, we ask you to begin this process of reconciling or unwinding this foreclosure fault, by me offering the solution of immediately paying 11 months of arrearages, and my commit to have automatic withdraw for future payments, and my commitment to resolve the fees associated with the errors, with ALL hopes that you will find this a suitable agreement.

anyone who wishes to share their story with me and I will do the same, as it has become a nightmare of illegal activity, i urge u to email me at d.casey17@yahoo.com and I look forward to sharing our battle stories with anyone that has one and I am sure it is an enormous amount as Nationstar is the worst, most corrupt servicing entity that ever was. thank you in advance for even considering it. Dawn Casey foreclosure warrior...

Most people don't question payoff quotes - they just pay whatever the mortgage company says is due. I've been in the finance/accounting industry my entire adult life - over 60 years, so I do in fact look at the figures for refinancing charges, payoff balances, etc. In this case, I simply sent them a payoff amount of $228, 051.00 eight days after the regularly scheduled payment had been made and processed. Instead of charging me 8 days of interest on the mortgage balance, they charged for 31 days or $527 more than they were entitled to. They also withheld another month of escrow funds, which then left a small $1, 228 balance due, claiming we had failed to request a formal payoff notice. Whether or not we had a payoff quote, or if there was a small remaining balance due, they still were not entitled to 23 days of interest on funds they had in their possession. It's the same as loan sharking! Further, even if we had had a payoff quote, they make it for 3 - 10 days after your next scheduled payment with the per diem quoted for days exceeding that period - regardless of whether you make the actual payment within days of their quote. LOAN SHARKING. Just imagine how much "free, unearned" interest they are making in this manner. They are a menace to the general public.

I had a mortgage with Aurora Banl and they it seems turn ed it over to Nationstar. It took almost 9 months to finally approve a short sale and the Bank refuses to provide me any any expenses. I have been carrying the house for over a year and i was supposed to receive some compensation, My lawyer has advised me that i get nothing, why then should i do a short sale? Let them just take the house

This company is sleeze with a capital S. They bought my mortgage from another lender two years ago and I tried contacting them for a refinance last year. The products and mortgage options they had were all shifty looking with bad rates and worse lender fees. I turned down the refinance offer and waited it out. Well now rates are low again and I found a company willing to deal fairly for a third the closing fees and with a ton of savings in other areas, but I'm being HOUNDED by Nationstar to renegotiate.
They've just sent me an offer to beat my other company offer or give me $500, but the terms are SLIME, SLEEZE and SLICK. If you get one of these, READ THE FINE PRINT! The restrictions are that they have access to view your income, review your asset, you cannot have locked your rate with another company, they have the right to confirm the legitimacy by contacting the competing lender, pulling credit, and literally MESS with your negotiation and credit score. All for the grand prize of getting $500... what sleezy, underhanded, bullhocky.
Do NOT get into a loan with these people. I didnt even discuss the poor customer service I have experienced.

My husband and I were involved in a scam and were not aware of this until June 2013. After being taken for over 4000.00 and being very behind on our mortgage. I called nation star and told them that I had the proof of the scam the money that I had paid them and asked what can I do to stop the foreclousre from happening? They were not helpful the lady that I had talked to stated that there wasnt much that they could do for us and that she was sorry we were scammed. I went to a local person for help a non profit place which helped us to put in for the step forward program that is offered through the state of Michigan. All that we needed was the paperwork sent back to the state from Nation Star. Now keep in mind the sale date was set for July 2, 2013. June 28th I contacted the step forward people and was told that they had everything in order and that it looked like we would get this help. Well July 2nd came and went and Nation star mortgage stated that it is in their policies that they can postpone a sale date. I dont understand why they would rather have a home foreclosed on versus helping someone out that was okay'd for the program. July 26th Nationstar mortgage finally sent the paperwork to the Step forward program and we were granted this money for all the money that the people whom scammed us took from us. I informed the state our home was already sold at the sale back to Nation Star mortgage for a lot less then what we owe. I just would like to know how come it is when you have the proof and you go to people for help how come no one is getting this? I have been lied to and feel that my husband and I were cheated due to not having any of Nation Star's policies or their procedures as our loan was also sold to them. Whom do we go to for help? I have recently started writing our senators and filing compalints every where I can think of but I just feel that scammers go unpunished and now my husband and I whom have 3 children are out cold...

They will Not Help you don't expect miracles from this people. Run Away, NOW! and they wkk eventually, send yo to court and the court wll fight for them not for you! **Check site: http://www.starherald.com/news/business/ten-banks-agree-to-pay-b-for-foreclosure-abuse/article_f41babfc-59c8-11e2-bbb0-0019bb2963f4.html

I too have been screwed by Aurora, I started dealing with them in 2008, BEFORE I had any late payments, after following the forbearance procedure, which is make the payment amount that they give you for 3 months and then you are supposed to have a "MODIFICATION", which lasted 1 year at the higher payments, I was told I did not send in the correct paper work, I told them I have all Fed x slips that the paperwork was received and who signed for it, I was told that there was NO PROOF that I had sent anything in the Fed X envelope. I was mortified that this is how they handle business. Aurora just runs you in circles until you GIVE UP. I hope that SOMEHOW we can SUE them, this is crazy, where is our government NOW that we need them to step up and deal with the ongoing disaster that is happening to ANYONE who has to deal with this incompetent company !

Aurora gave me ALL my X husbands information; they called asked for him I said not the right person - then began telling me all his personal and private information…. I am not on ANY of his loans … Amazing ethics they don’t have! And "I" told them wrong person. I love it when major companies chose not to follow the ethics code and throw confidentiality out the window. I believe they were a part of of Leamon Brothers?

Aurora gave me ALL my X husbands information; they called asked for him I said not the right person - then began telling me all his personal and private information…. I am not on ANY of his loans … Amazing ethics they don’t have!

We made our October 2009 Payment and have PROOF with a signed receipt and copies of the money orders. They refuse to accept our Proof of Payment and are considering us delinquent. It is easy to see on the Statement for November where THEY made the mistake in posting

respond to bellerrealty@comcast.net

BEWARE of the Post re: Joining a class action lawsuit by Huelbig Doc Prep in NY...It is another SCAM preying on the sufferings of people who need real help.

Aurora Loan Services needs to be put out of business and give all the consumers that have lost their homes, either their homes back or monies for all the damage they have done to them.

Aurora locked us out of our investment property when it was not under forclosure. over a year later they sent us a 20 day notice to respond to a foreclosure hearing that happened 2 months ago. we are still getting 5+ calls from them every day, even after they took the house. can anyone recomend a good lawyer?

Here’s an idea…. read your deed of trust! at the very beginning of this contract; under definitions, (usually “c”) it tells you who the lender is… if your contract reads lender is… (fill in the blank) lender is (fill in the blank) organized and existing under the laws of (fill in the blank) address is (fill in the blank)… that is the only lender; there is no other lender! the next party trying to collect from you is holder, bearer, or purchaser…. not lender. if the rest of your deed of trust refers to the lender can do this, or that… legally that is the only party who can perform those things. like around paragraph #24 (ish) which states who can assign a substitue trustee… and who can assign a trustee? lender? if your contract reads lender only and you’re deed has been “transferred” whoever has it now probably doesn’t have a leg to stand on… now how are your legs? fell like walking away or fighting?...

Hi I understand your fustration too...i have been dealing with them for the past 2 yrs and they had me on 3 times trial pmts...and they turned around and said that we dont qualify that they will try to qualify us on a traditional modification...again same story over and over...i try talking with executors and nothing these people need to stop with they scam...thats what they want for us to give up and forget about us...but im not giving up i have not been paying the mortgage for about 1yr now...they are still working on a modification wt* dont get it really whats their stupid procedure...please we as customers and consumers need to do something and fast...Im gonna start writting letters to senators, congressman, governors etc...we need to be heard...i dont get how other banks example...wells fargo, b of a, citibank, chase are helping their customers...

I can't help but wonder why with all these complaints the FTC hasn't stepped in to do something about these companies! we must have enough people suffering for them to step in. I was told that if enough complaints where filed they would step in!...where are they? bailing out big banks, helping the rich stay rich! this is an outrage. Good for you for standing your ground! I commend you and will be emailing you to see what if any pr0gress has been made. They should be sued for every dime they have stolen from people

Here is the reason WHY Aurora loan service is so crappy, and non helpful and why you get some very bad customer support.
Aurora Loan Service Company is/was owned by Lehman Brothers Holdings Inc. who is currently going through largest bankruptcy in American history. – The Federal Government did NOT bail out Lehman Brothers.
Thus, your Mortgage is in flux, and the employees of Aurora will soon be without a job as well (so their moral is just as low as yours.) They are not participating with the Federal government, because they can’t alter loans or make ANY CHANGES to your current loan. Because they have lost the power to do that by the federal government. (Some of things that customer service does NOT want to tell you.)
In fact, Aurora lost the right to make or alter any loans as of Feb 17th 2008 - http://www.thetruthaboutmortgage.com/aurora-to-stop-wholesale-lending-cut-1300-jobs/
The company posted the following message on its website regarding the news:
“Aurora Loan Services’ parent company, Lehman Brothers, announced today that it will substantially reduce its resources and capacity in the U.S. residential mortgage origination space in light of the dislocation in the mortgage markets. As a result, Lehman Brothers is suspending all Wholesale and Correspondent mortgage originations at Aurora.
Aurora will continue to originate loans through its direct lending channel, and will maintain its servicing business.
We truly appreciate your business and support over the years. We hope you will consider how Aurora may be able to help you meet your needs in the future.
With sincerest thanks.”
It is believed that the the last day to fund loans already in progress is February 17th, 2008.
So, how did all this happen? Google: “REPO 105”, this is how Lehman Brothers, basically cooked the books to hide BILLIONS of dollars in debt, and it did not come to light until June of 2008.
So, as of now, the ONLY way you can try to get out from under this mess, is to find a new Lender, and get refinanced out from underneath this colossal abortion of a company. Contact your congressman, and or simply wait out this current situation with the courts, if the federal government wont allow Lehman Brothers to fund any money to Aurora, then Aurora will go bankrupt, and the Federal Government will be forced to step in to pay for this.
If you can make your payments, please do, but please understand that NO MATTER what the situation is, Aurora cant alter your loan, and they are on the brink of collapse anyways.

http://www.helium.com/items/1549444-lehman-brothers-trying-to-pump-950-million-into-aurora-bank
http://www.nytimes.com/2010/03/13/business/13lehman.html
http://www.nytimes.com/2010/03/16/business/16sorkin.html
http://topics.nytimes.com/top/news/business/companies/lehman_brothers_holdings_inc/index.html

Only in America does so many people live to keep a few sacred cows Rich and stupid.

DO NOT DO A LOAN MOD. PLAN FOR abcde type of situations!
The 3 month trial period is a scam………..PLEASE if you are in desperation, do not pay anyone for anything. I can’t stress this over the internet but if you search for loan mods that are going or went through they are lies. Not just mine and I’m still in one right now, but hundreds that have had the time to tell the American people about the fraud by sending this. Here is a hint: you send 1200 for the 3 month trial every month: part goes to taxes, part to home insurance and the rest is in their pocket….not towards your mortgage. PLEASE SAVE YOUR MONEY AND DO NOT SPEND YOUR SAVINGS!

PS. I canceled the check before they are getting' my 3rd month trial payment. Class action is what I do believe is what would be needed in this whole foreclosure scheme/SCAM!

I have been having the same problem as everyone else. ALS people are terrible, evil, and unethical. They are not willing to help me. I've been waiting for 9 months already and they just don't want to modify my loan. My home is in foreclosure and I'm extremely sadden and terrify.

How about the Law Office Of James Sokolove? He is on the television every night representing everyone else under the sun? I am an attorney in Nebraska, but don't deal with banking law. My experience is in criminal law. Funny thing is that Aurora is worse than any criminals I've ever had to deal with! Their business practices are unethical, lacking in good faith, lure people into detrimental reliance, and make Madoff look like a saint! These scammers are national! I have called the department of banking and finance and found out who regulates them. I plan to draft a letter outlining my complaint (which sounds a lot like everyone else's horror story). Start with that --- Maybe I will call the 800 number next time it comes on the tube! Maybe we all should! They have been jacking us around since January. Class Action Suit sounds FANTASTIC - COUNT ME IN!

I have had problems as well with Aurora Loan services. We were doing fine until the gas prices skyrocketed. we made a few split payment (twice a month) they told us they did not "like" the way we paid so we asked for help. They told me they could not help unless we were 30 days late, then we could do a "soft note"..yeah right like I'm stupid. Then they referred us to "HOPE NOW" who told us they could not help until we were 3 months late in defualt. They told us NOT to pay and after 3 months they would help...well that wa a bust. I can not get a hold of the guy I talked to, he will not get back to me. So of course we explain this to ALS to no avail. We did contact an attourney who is supoosedly going to help us lower our payments. But from what we gathered from him ALS and "HOPE NOW" are working together to screw people over. It's a mess and they should not be able to get away with this. So how do we file class action suit? Anyone interested?

Michelle

Last March, I fell behind a payment because of unforseen major home repairs (first one whole wall of electricity shorted out...had to hire an electrician. Then, my furnace died and I had to by a new furnace. Can't be in Michigan without heat)! I dutifully called my mortgage company and made payment arrangements with them which I have kept up for months. I then applied for a loan modification to get my payments current and interest rate lowered.

Well, I have been trying to get my loan modified through Aurora Loan Services since September with no luck. They have been running me around in circles. The first time I submitted my financials they said I didn't make enough money and I needed to have a 20% cushion or money left over. They told me to resubmit my financial statement. I resubmitted this time putting the minimum payment due on my credit cards (the previous financial statement listed what I normally pay which is more than the minimum). About a month later the underwriter, Elizabeth, said too me, "Are these your current financials?" I replied, "yes." She said, "well if their correct then we don't need to be talking because you make too much money." I told her that the Home Retention Department said I needed to have a 20% cushion." She said, "we only tell people that. It's not exactly true, please re-submit your financial statement again. I did as she asked and then she stopped returning my calls.

I spoke to her a month later and she said, "Oh just make one more payment on your payment plan and then we will modify your loan. However, she wouldn't discuss terms. Another month passed and she wasn't returning calls. Finally, I spoke to her and she said I didn't qualify for a loan modification and I couldn't afford my home. When I asked based on what? She would not discuss it. I asked her what I was supposed to do and she replied, "keep paying the higher payment on your payment arrangement."

Two days later I got a letter in the mail saying that the loan modification would be denied if I did not produce an updated financial statement and a sales contract (I don't know what this is). I have faxed the financial statement twice. I have called 10 times and I've heard nothing and she will not return my calls.

I faxed the financias again yesterday, still nothing. Like Howard, I am ready to take my money and walk. I am not unemployed. I don't understand the greed of this company. Why not give into something before you lose everything! Are the tax breaks so great on a foreclosure that they would rather foreclose than make money. I owe 125, 00 on my home and a house 5 doors down is selling for 64, 400. What incentive do I have to stay?

Wanda

How long can these organizations continue to commit fraud in every way possible. The government must support their behavior because no one has been convicted they just pay fines that only the government benefits. Not one citizen has received compensation. I say get rid of them all and start sending someone to jail. Their no different than Madoff.

Did you overdraw your checking account again?

Bank of America sold our mortgage to this Nationstar back in Sept. 2011 and we still have not received any papers or payment coupons. After several phone calls we were told that we should get our payment book in the mail very soon, just use the B.O.A. coupons until then. Well we are going on the second payment and still nothing has been sent. I do not trust this company all ready !

in August of 2012 .I surrendered my property to bank of America, they put me into a short sale program .kept losing the information, They continued that until June 2013 .I had a realtor involved and even had a buyer. The paperwork was never finished for buyer, and in June 2013 I received a letter that my loan connected to the property was turned over to Nationstar. The paper work wasn't all turned over to Nationstar yet. Then I was told to start over with the short sale program. After a month my realtor received a letter that the house was up for auction now, I had a contract with a buyer and the realtor at that time, Well the bank said it doesn't matter its on the auction block. Then in the same week I get a letter from some lawyer that is with Nationstar bank. that they are foreclosing. So now I don't know who is doing what with my house. I think this is going to be going on for a long time, due to the fact that no one seems to on the same page about it, and in the meantime my credit is down the dran
laurie bower

I had the same problem with GMAC. In fact was registering for their accelerated payment and was to restructure into this option. Spoke to several folks in India - did what they told me - but they reported to the credit agencies that I was more than 60 (in fact 60-90) days late - when in fact I'd been paying half the mortgage every 2 weeks. Finally began paying them directly through their website and never had another problem-- until they sold the note to Nationstar.

It has been a nightmare ever since. I had to use my rights under RESPA (I'm in PA) to find out where the taxes had been sent and monies from escrow. On December 10 2008, I was notified by GMAC that they had sold my mortgage in November 2008 and the payments should be going to a different mortgage lender - no Nationstar. I received a mortgage bill from Nationstar on December 15th, Nationstar began our relationship by stating I was 2 months in arrears. I quickly contacted the State Attorney's office and quickly began sending certified letters to GMAC and Nationstar.

When I mail a payment, since they have no electronic means, I used USPS tracking confirmation - which I send each month to refute the late charges assessed. I have now set up an electronic bill payment through Bank of American and have the amount taken out on the same date each month --10 days before the past due date.

Bank of America has agreed to dispute any further allegations of late payment with Nationstar. They are rude and immediately treated me as if I was in collections. I have changed my home phone number after being harassed and told to go to Western Union to make a cash payment. I'm not going into an urban area at night with $2800 in my pocket to pay a mortgage because the company doesn't have a regular mail pickup to their post office box.

I've written my senator, state legislature and spoken to all my friends & family members warning not to deal with Ditech, GMAC or Nationstar.

I'll keep you posted as I'm trying to get refinanced - but it's hard with all the erroneous information sent by GMAC and now Nationstar.

I agree that this mortgage co needs to stop lieing and all of us with this co should get a lawyer they are very rude. and could care less if you are telling them the truth or not they told me that if i made a payment befor the end of the month that i would qualify for what they call 5 by 5 loan modification after i made the payment by money gram call them to let them know i did what they asked they told me it was the end of the month when i made the payment so now i would have to make another one to get modified this get money out of you tacs work for them so well plus get this when you ask to talk to lost and mitigation they dont let you the collectors tell you they have the same trineing as the higher ups we all know thats a bunch of!

Terrible customer service; my mortgage was sold to this company, and trying to get an answer about my tax payments was a waste of time; no response, even sent a letter to the company president, never got an answer.

Like many others on this thread, my mortgage was sold from Wells Fargo - who I never had any issues with - to Nationstar about a year and a half ago. Since then, it's been a nightmare. They messed up my escrow, sent my property insurance premium back to me for some reason - shorting the escrow for 2015 - and trying to get through to a human is like hitting your head against the wall and the ones you do get on the line are about as articulate as a bag of rocks, with similar math skills! I was also trying to get a pay-off number to get out of PMI on our mortgage - we put 15% down on the house - and on a 250K remaining balance one of their mouth-breathing, knuckle-dragging CSR's did some research on how much I'd have to pay and came back with "about $50K"! Amazing, is the the ### school of mathematics you attended? I also asked for an appraisal - which I'd pay for - and was told that someone would be in touch within a day or so to schedule. Now two weeks later, still not a peep on that front. And like others have experienced, I get a letter in the mail every other month stating that my payment is late, even though it's done via an auto-draft payment from my checking account every month! This company needs a class action suit hung around its neck ASAP. Worse of all, when you call their system it says that your communication with them is part of a "debt collection"! WTFx2? I've never had any other mortgage company call my mortgage a debt collection. As much as I hate big banks like Wells Fargo, at least they never had anything resembling this type of dis-customer-service! If someone has a lawyer working on something like this, contact me at klash2005atgmaildotcom

Freedom Mortgage apparently sold my mortgage to Nationstar, and as I have been travelling for business, I had no idea this happened. Suddenly, when I was reacting to the fact that the mortgage payments were no longer being deducted from my account, I figured out what had happened. So, I logged into their system and found all these late fees, as well as erroneous escrow calculation. Yet, I have attempted to call them half a million times, but can get NO RESPONSE, it's always the same message of too high call volume followed by disconnect. I am so pissed off at these guys it's not even funny. lytleeric@hotmail.com

If Nationstar has modified your Texas Home Equity loan by adding past due to principal they may have violated the Texas constitution Article 50. If you were contacted by centex first and your loan to value ratio was altered this may have also been illegal
Please place the following in your Google search engine: Illegal Texas Home Equity Modifications and Nationstar. There is an Austin Attorney looking into violations.
I've dealt with them for years adding fees to my account for "home inspections" and leaving notes in my mailbox, lawn and door. The reps are incompetent and uneducated to laws and frequently lie or misadvise homeowners. Hang in there

I went to the same high school (Bunnell) and college (UConn) as Tony Barone. He has probably made millions working in the mortgage business, but ethically speaking, it sounds like he's a bigtime ###. This is what happens with the lack of regulation in the banking industry. He's lucky that he is not in jail, but then again corporate criminals are able to get away with it most of the time.

WOW I had my home loan with Citi Mortgage initially. They gave me an in-house modification 2 1/2 yrs. ago. However, they transferred my loan to Nationstar last year and I have had nothing but problems with them. First, they tried to tack on 500 extra a month stating that my escrow was behind. Then when I told them that I had original modification papers and they were going against my initial modification, they corrected it. But, even though my taxes and home owners insurance has decreased, my loan payments have INCREASED. They won't talk to me, they state that it's correct. I have contacted the state attorney because I don't have money for an attorney. Nationstar is TOXIC.

I am having the same problem. They are telling me what they are doing with my payments is according to my loan. No way. They are telling me I cannot talk to people, putting me on holf for 15+ minutes and phones calls lasting 2 hours in some cases and no one can really explain anything. Several research tickets to just see numbers change and still be wrongly applied. I paid over my payment and they don't show it - the money has just disappeared. They are putting payments to 100% interest - none to principle and saying it is part of the terms of my loan. I was bought out from Principle Bank too. What a mess... what do we do? Is anyone getting anywhere with this company? I am not sure where to turn...

Yes, It seems like this mortgage company will be in a large lawsuit. Very dissappointing for a bank to Take our down payments, large interest rates, Take our properties, and leave us with bad credit and lots of future trouble buying a home. -Seattle home buyer

I also have a similar story. Our mortgage was transferred to NationStar in June from Principal Bank. I also have received a phone call about a payment being late though I used the exact same Bill Pay set-up that was used while under Principal Bank. All that was changed was the address. They have told me not to worry, so we'll have to see about that. We have never had a late payment.

What is more troublesome, however, is the amount of our payment now being allocated to principal vs. interest. Prior to the transfer to NationStar we had between $55 - $100 per month being applied to our principal balance. Now with NationStar, that amount has dropped to $10 - $15 per month. I called Principal Bank (our previous mortgage holder) to get information on how the interest and principal amounts were calculated under our loan agreement, so I have been able to verify the allocation by NationStar is VERY off. This is especially troubling because interest compounds itself and we are losing a lot of money because of it.

I have made several phone calls and written several emails to NationStar to have the issue looked into. Each time I call I am told the research department needs to open a ticket to look into it further (that department does not take phone calls). However, each response from the research department tells me I need to contact Customer Service by phone for these 'more complex' issues. Both are telling me they don't have the resources to help and I am caught in a vicious cycle. The reps on the phone will not provide more than their first name (no employee number, no extension, no direct dial, no reference number for the call) and literally refuse to send you to a Supervisor when requested. If you ask for the Supervisor’s name, they will refuse to provide it to you. If you tell them you will hold for one, they tell you that you cannot. There is no supervisor present. They will open a research ticket and the research department will be in contact with you in 5 to 7 business days.

Once the research department sends you a response to contact the general customer service line, they close your request without answering your questions. If you request the email be forwarded to a Supervisor, they will not. If you request the name or direct dial of someone who may be able to help (customer service department or otherwise) they will not provide you one. If you respond and say the issue is not resolved and should not be closed, they ignore it. I now have four emails in hand which verify this cycle telling me to contact the general Customer Service department. I have responded within 24 hours of any correspondence I have received from them and am now going on more than two months without any answers.

I am in the process of contacting the US attorney's office in California to report fraud and unlawful lending practices through nationstar.

I am trying to get another class action suit against Nationstar. If your interested contact me
lktahoe4two@yahoo.com

thanks

I just lost my case in court, Nationstar now Mr. Cooper get to foreclose on my house when they were the ones who caused me to default not applying payments and hitting me with fees, inspection fees. etc. making me stay in default just so they can keep charging unnecessary fees, just so they can steal your equity out of your house I only owed $80, 000 on loan the house was worth $160, 000 you think they could of modified it or something to work it out now I have the lawyers fees, Nationstar fees and now foreclosure fees going to steal the rest of it plus the headache of moving plus expenses. I like to sue them but that takes money i don't have at this time looks like they win another one. Any answers email me eddie.huffman59@yahoo.com

How can you stay away from the crooks when all 580 Banks perpetrated their Wall Street multi-fraud on you? You cannot because the crooks will always pass you the worse thieves to you. Nationstar and First Horizon are the worse Thieves you ever seen on earth. What you need is to stick together and fight back. http://www.taxpayer.net/user_uploads/file/Bailout/BankBios/
They never lent you any money, they simply perpetrated fake loan on you and me, by moving people 8-types of retirements and Wall Street investments to ourselves. We have crooked lawyers and authorities helping them go free. Go to Youtube, learn "The Truth about the Bank", you don't need to trace your loan to Wall Street, you need to have the court force them to prove they lend you money in real cancel check. All Banks committed crimes together, creating the illusion that they lent money. Otherwise they would not be able to make 119%/year when Interest is low 3%. Before 1993, they earned 4-5%/year. Go figure out. Sue the Banks and crooked lawyers, including bad decision makers.

Reuven T. Herssein, Esquire
HERSSEIN LAW GROUP

Phone: 305.531.1431
Fax: 305.531.1433
e-mail: reuven@hersseinlaw.com

Hello LDRN and other violated Nationstar, B of A, Countrywide homeowners,

You are on the right path by calling every three (3) days to hold Nationstar accountable for their actions so keep doing what you are doing so that you can build a strong case to leverage against Nationstar to get what you want and need to make the mortgage affordable! With that said, I have a few more suggestions for you as to how to put this matter to bed for good and how to assert your constitutional and consumer rights through the process. I routinely look for posts to answer in hopes that it will not only bring optimism to those homeowners and borrowers in distress but also some basic information to assist in fighting the banks that are "too big to fail" like Bank of America but yet don't appreciate the bailout that we provided in their time of need. The debt collectors like Ocwen and Nationstar are simply just ### but they can be beat at their own game too just like the big banks can be defeated.
It pains me that you have fallen victim to the unfair, deceptive and abusive practices of Nationstar (one of the current biggest offenders in the industry) but you do have rights and I would be more than happy to educate you as to how to fight for your rights. My firm routinely seeks out complaints online so that we can educate as to how to fight back on our weekday show called "The Daily Complaint" where we review a complaint and how to tackle it successfully. We reviewed your complaint on the radio show today if you would like to listen, visit www.TheDailyComplaint.com

Our firm presently has many files that we are working on at Nationstar with many more coming in daily complaining of the same mortgage servicing fraud and abuses such as yours. In fact, I have at least half a dozen cases in my office right now that we are working on that also have RESPA and Dodd-Frank (CFPB) violations preventing them from modification and threatening foreclosure; we receive at least 2 or 3 calls per day on this topic. We are pleased to state that we beat Nationstar at their own game daily by referencing consumer protection laws and employing the help of government agencies that oversee the industry like HUD and the FTC.

You can contact me via email at Dana@ConsultingEND.com or via the website at www.ConsultingEND.com or via phone (my full contact information is below) as I would be more than happy to contact Nationstar on your behalf to determine the status of your loan as well as what options exist for you as a borrowe/homeowner...free of charge to you! Since we speak with Nationstar on a daily basis to ensure the rights of our clients are not further violated, they are extremely familiar with END Consulting and the fact that we know our rights so any violations will be promptly addressed.

END Consulting is a full service strategic debt and credit consulting firm started in 2006 with expertise is debt negotiations coupled with an exceptional track record of strategic consulting to include the real estate industry with a formidable business foundation. We have successfully assisted well over 100 clients in the past year alone in achieving desired results with regards to their mortgage loan(s) by stripping down the validity of the debt and forcing the lender or servicer to work with our clients to provide ethical, legal and affordable mortgage workout solutions. The results that we negotiated for our clients were not on the table for most when we took on the client as it took regulatory muscle and aggressive communication to achieve the desired debt restructuring resolutions.

I would be happy to elaborate for anyone as we always offer free consultation until we can determine if we can assist you to include contacting the bank and/or servicer for you for free to uncover the options that exist for you in this situation. You can reach me via email at Dana@ConsultingEND.com or via the web at www.ConsultingEND.com. I have had the pleasure of educating hundreds of homeowners on their rights and how to assert them to get what they want...my firm is exceptional at what we do!

Every new beginning comes from some other beginning's END

Respectfully,

Dana Shafman
Owner/Managing Member
END Consulting
[protected]
www.TheDailyComplaint.com
www.ConsultingEND.com

our loan started with Countrywide a 6.875% interest only loan . We were planning on refinancing it in a year or two and the bottom fell out of the real estate market and we could not refinance. My spouse and I are both college educated and completely competent I say this because Nation star is not! So My husband's job a company that had been around since 1942 one of America's oldest companies went bankrupt in America's financial disaster and he has not been able to find a job but 20 percent of earnings previously made .Countrywide had a big lawsuit against them for purposeful bad loans made. and they sold our loan to Bank Of America whom sold it to Nation star I am a RN and went back to work and now travel 4 hours each way to work a 13 hour shift at a hospital that has a unit in my specialty. We also have a school aged child. We were served foreclosure papers by a sheriff so we contacted and sent request to the banks attorney to place a hold as we were wanting a loan modification. legal papers served stated a loan modification would put a hold on a foreclosure. We sent all documents requested for a home loan modification to nation star as requested. They confirmed receipt of receiving all documents and we were told it had been sent to underwriting. We were told all was good in April 2014 and now have been calling every 3 days to check up on status . Every time we call we are asked for new documents having been confirmed received previously. We have re faxed all document and told they received at least 7 times. They repeatedly say all is good then one week later we are told we need the same documents. We continually get letters naming a new person as being in charge of our loan mod although that person seems to not exist. We have never been able to speak to the same person and each person assures that they have documented receipt of paperwork so it can not be missed and then the next person says they see no sign off any such documentation. Then after being told it was sent to underwriting and waiting for their offer in the mail. We are told by someone else they don't see that it ever went to underwriting and they need the very first basic papers that we sent back in April! 21st It is now June 30th 2014 and we are at square one. A company can not be this incompetent so it has got to be lying and scamming. It doesn't make sense for them to want our house is it worth 50% of what is owed Somehow there has to be a way that they are profiting by foreclosing .

were in pretty much the same as all of you we watched and learned talk with millionare friend who told me i was stupid for trying to do what we all say is the right thing to do is pay and live threw it my advice is stop paying on loan give up let them take house stay in house for about two years save money bank as much as you can then buy better house for less money bottom line play the way they do time for you to take advantage this time

My wife and I are having nightmares while trying to deal with Nation star. We are with the making home affordable program, in which our payment is still unaffordable and we are so upside down with our mortgage! To make matters worst my wife lost her job due to an injury. We called the company continuously to plea for help and ask for an in home modification with the hopes of lowering our payments to our affordability but with no avail. We spoke with a representative by the name of Jake who stated to us “unless your husband is dead or disable there is nothing else we can do for you.” This is just one of the many problems we have had dealing with Nation star. Is there ANYONE out there who can help? We are a family of 5 and our home is all we have left. I can be reached by email at ldray34@yahoo.com

I have just been denied a mortgage modification by NationStar. What steps can I take or who can I call?

Arielle, my mortgage just got trasnfered to Nation Star and we have a trial scheduled for Dec. Were you able to get anywhere with them?

You should be okay with the 'rate change date' in July 2009 because the Libor is going down, not up. Keep on them to make sure that it ajusts in your favor.

This Lender is quick to raise and slow to reduce.

ALS Services has us running around in circles as well! I can't believe all of the people out there who have been or are going through the same stuff we are!

We first contacted them back in July 08 because my husbands' job changed, and went from a steady paycheck to working off of commission. I told them I didn't know how much longer we'd be able to come up with our mortgage payment, they stated they couldn't help us because we were still making the payments. Then a couple months after that, we fell short, I asked for help, they said that they would send us the paperwork for being modified and showing our other choices (short sale, etc).

I told them we didn't want to move, we want our house, but need help. We sent them every piece of paperwork they wanted, I'm talking probably over 50 pages of personal information as well as spreadsheets showing our expenses, and so on.

It took forever for them to get the fax, then they said they needed more info, every piece of info they asked for, I gave them, and every time it took 7-10 days for them to 'get the fax', but then it was 'oh, it might be 10-14 days' to get the fax. Ridiculous, but we played along, just long enough for them to tell us, sorry, we have to put you on a payment plan...the payment plan would have us paying close to $1000 more...so I ask, if we can't make our normal payment, why would I be able to make a payment of almost $1000 more...

Then, we called again a couple months later and said please help us and we were told we'd have to fill out all of the paper work again since so much time had past. I told them that nothing has changed, the monthly expenses are the same.

the people are rude, every time you call them you have to explain your life story to them, you get a different answer every time. So months later we try to hire a company to help us out because we were due to get foreclosed on January 5th, that company let us down too, so in a last ditch effort we called Aurora and talk to some other guy who tells us we can do the payment plan and make our regular payments 4 months in a row, on the 3rd payment we have to fill out all of the paperwork again and they'd see about modifying our loan at that time.

We're about to make our first payment of this payment plan, and I'm very worried that some where they're going to say I screwed up so they can just foreclose on us after squeezing some more money out of us. I would love to go after these people!

They'd rather just foreclose on people, then help them out, my credit score has dropped over 100 points too because of this. Please include me in any and all charges against these people! I wish every the best though! I hope someone has a happy ending some where!

File a complaint with the Federal Trade Commission https://www.ftccomplaintassistant.gov/ If enough people complain maybe they will be held accountable for their awful business practices.

I received a Loan Modification Package from Aurora in late September 2009. I noted serious miscalculations on the escrow, called the agent at Aurora I had been dealing with(of course you can never reach them and must wait for a call back, when Hell freezes over) she told me I could sign the package with the errors, which would have resulted in me having to pay over $200 extra per month that was not due, or she would resubmit the package to the underwriters for correction. I opted for the latter when she assured me they would have it done well before the payment was due. A week before thpayment came due, I called them and was told that I was NO LONGER ELIGIBLE! There had been no positive change in my circumstances. I queried them as to why I was no longer eligible, they, of course, had no answer and claimed to expedite the file to a second review and promised a call back by November 4. Today is the 5th, no call back, or email. I have been current on all payments, still have the September Loan Package indicating acceptance. Guess what! I'm going to sign it, have it notarized and send it with my payment and if they balk, they can come and get the keys to this Godamn house and shove it up their ###!

I am going through the exact same thing with Aurora. I believe that I initially spoke with the infamous Mike and I'm thinking of flying out to their office to take my anger out on him. He tried to raise my payments up for a year when I'm in a bad financial way! Then, he tells me that I make too much money, which is ridiculous. After speaking with someone else, I've been supposedly placed on the 3 month payment plan...but after reading comments on this board, I'm feeling bad about this. I believe that Aurora is very unscrupulous.

They are doing me the exact same way. I'm going to submit a counteroffer to them and if they refuse I will try a short sale, but I doubt if they will go for it. I will probably end up walking away because my balance is 125, 000 and a house 5 doors down is on the market with Century 21 for 64, 400 and it has more square feet!

Wanda

Be wary of the "sure, just make a few more payments and then we'll modify it" approach. We went through the exact same thing when we fell behind last year. We're in an interest-only loan and my husband was laid off. We don't want to lose the home but were going to have to really scrimp and probably borrow from family members to make payments.

We asked Aurora to convert the loan to a fixed rate at a 40-yr term so we could at least begin to build some equity without having the payments shoot up. They told us to make three consecutive payments and then resubmit the paperwork, which we did. We heard nothing from them.

Then, a couple months later, they sent us a "modification" which tacked on the arrearage, plus fees and penalties, and spread it out on top of the existing payments. They did not modify the loan terms or convert it to a fixed-rate loan. What they did, while it technically brought us "current, " actually increased our payments, and our bottom line.

We have now submitted an offer from a buyer for a short sale, but have heard nothing from them. I sincerely hope you have better luck but I honestly think they are just trying to squeeze as much as possible out of you before they will eventually foreclose the mounting debt.

It is so sad how this company works with their customers. If they will not agree to a short sale, you have until the date house is sold to move out. You should be receiving foreclosure documents with information and dated. My daughter is having diffculty work with Aurora Loan Service. Do not believe anything they say over the phone. She was told just today that there are new employees and they are unsure of the process so her account is being looked at. We will see next week. Make sure you are talking to the right department. I do not think customer service is the best number to call. They have been so ugle when every my daughter called them. Contact me if you need more information. Cecelia Mims, Realtor Prudential

they are indeed crooks! Take a look at what other have said here,
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Anyway, now I'm out of work and have a 6 month old son, denied unemployment benefits and Aurora said they won't even work with me because I have no income. I would like to know what my rights are. I have lost $40k in value on this junk property and really have no desire to stay at this point, but would like to stay as long as possible. They already destroyed my credit so no big deal at this time. I would like to know how long I can stay until they kick my family and I out. They are so rude and I don't wish to do any business with them. Any advice is appreciated.

I am trying to put some individuals together to consider the potential for a class action. Every Saturday, I will open up a AOL chat with the name Aurora in hopes to pull us together. AURORA MUST BE STOPPED!

I never realized so many people were experiencing the same frustration I am with Aurora! I was trying to get a short sale because I had a significant loss of income and could manage the payments. I had a good offer within a week. Aurora took so long the buyers backed out. The same thing happened again. Finally, I applied for a deed in lieu because they were going to foreclose. That was actually approved, but i had to agree to a 18, 000 settlement. i am making timely payments on that, but the house title hasn't transferred. I call numerous times and either get a machine, or someone who tells me not to worry. I get a letter today saying I owe 173, 000, another letter saying my escrow account is behind 9, 000 (never had an escrow account on this house), and a bill for insurance. I call up and again...run around. They told me the county recorder was the hold up. I called the recorder. They haven't filed anything yet! They are horrible. I filed a complaint with the BBB and a complaint with the Office of the Comptroller of the Currency. Hopefully it will help. If anyone knows of a class action suit, I'm in!

They are the absolute worst...
Everyone just file a complaint with the Office of Thrift Supervision

http://www.ots.treas.gov
that all we have to do to get something started

EVERYONE START COMPLAINING AT THE WEB ADDRESS ABOVE ABOUT AURORA LOAN SERVICE. THESE LENDING PREDATORS NEED TO BE STOPPED.

WE THE PEOPLE CAN DO THIS!

I had so many problems with aurora. I was trying to modify my home for about a year, they kept requesting documents and i kept sending them. They finally put me on trial plan, which i thought was great and things were looking good but 6 months into it i was told i was in review over the phone and 2 weeks after that my house went to sale without me knowing. They said because they didnt get documents in time so my modification was denied. I'm in litigation but its hard and expensive and its been a year. I't was a wrongful forclosure but everytime we go to court were just given another date to go back but until this is settled in court aurora cant sell my home.

I purchased my home four years ago at 440, 000 and was just reassessed at 235, 000. I was dragged through over a year trying to get a loan mod through Aurora, and they kept requesting documents that I had already sent several times. I finally received a denial letter two weeks ago, stating they did not get required documents in a timely manner. I have spent over 100 hours reading and researching and I have talked with two seperate lawyers, and both said basically the same thing. "Loan Modifications and Short Sales are terrible, Stay away!" Walk away! Walk away!

HELP PLEASE! WHAT IS TOM WINDS CONTACT INFO?

I have had a contract on my home since December and it is a Short Sale .Per Aurora it has met the criteria for a Short Sale. i have submitted all of my paper work however the file has been transferred to three different negotiators which takes 60-90 days to review the file. It seems that if they have a buyer why not expedite the frickin file so they can get it off of their books. i keep getting the same run around. Does anyone know how to get a hold of Tom Wind? I feel as though I am always speaking with" TheS tepford Wives" when I call Aurora WHAT IS TOM WINDS CONTACT INFO? HELP PLEASE!

I agree with the above. I will write a complaint to the above web address today. I have been through a loan mod with Aurora starting 11 months ago. Everytime they would request more information I would immediately send it. Two weeks ago they again requested the same information regarding tax records, pay stubs on an on...I made a follow up call to make sure they received all the information requested...Today I received a letter closing my file after 11 months for failure to provide the information. Another call 2.5 hours on the phone, where the person I was speaking to did in fact find the information reopened the file...again I wait and make more calls...What a waste of time and money not to mention all my personal information is somewhere in space somewhere...What a joke...

Everyone just file a complaint with the Office of Thrift Supervision

http://www.ots.treas.gov
that all we have to do to get something started

EVERYONE START COMPLAINING AT THE WEB ADDRESS ABOVE ABOUT AURORA LOAN SERVICE. THESE LENDING PREDATORS NEED TO BE STOPPED.

WE THE PEOPLE CAN DO THIS!

Same issue with us; as above. 2 short sales with waiting...waiting...waiting... Aurora requesting new documents every week. Documents sent mutiple times and lost. During short sale processes we lost income and stopped paying mortgage. Thought short sales would go through. Managed to pay off all other debt. After being unemployed for three months we have income and tried to modify. Aurora will not work with us. We are considering forebearance; will have to get help from family as we have taken a 60% drop in income. After forebearance we might be able to do a deed in lieu... Right now we're trying to save our already damaged credit. I have spoken to Aurora over 30 times in the last 4 months. I hear something different every time. Now we also face a HUGE bill from the attorney that was dealing with short sales since short sales didn't go through...$7000+ for 5 months of work? Just when I think it couldn't possibly get worse...it does...I hope someone out there has come out with a happy ending in dealing with Aurora.

We have been trying to short sell our home that Aurora holds the mortgage on. Had an offer of $280 in Sept 08 they took so long to approve, the buyers were no longer interested. The next offer was $265, 000, and again, they took so long to approve it that the buyers were no longer interested. Now we have an offer of $248, 000, and again, it's excuse excuse excuse from Aurora. This is costing them money, but they just don't care. They have actually said to me that foreclosure is fine with them, and they won't lose any more money if they foreclose than if they accept a short sale. That's ridiculous, because they'll lose at least another $50K if they don't approve this short sale and let it foreclose. What idiots!

I agree with all of sentiments! I purchased my home a year and half ago just before the mortgage melt down. Our mortgage was beginning to become late dur to a our inablity to sell our previous home. Aurora stated they would modify our loan and work with us. We also sent in various amounts of paperwork, only to have them foreclose and tell us that we "don't make enough money". That's funny didn't they approve us for the loan in the first place! on top of that they sold part of our loan to another company and wnat us to pay $100K on a loan that they sold to them. ...ridiculous! I want to sue them but not sure what to do.

I got sold in 2008 to Nationstar, who I never even heard of and I'm sorry I ever did. It' s been nothing but a ongoing nightmare since Feb 2008. Their title company was to cut a check per my closing for the 1st half of my house taxes. Nationstar was to pay the 2nd half. But Fiserv(the title co.) sent the wrong amount and it got kicked back. They said nothing and did nothing. When Nationstar tried to pay the 2nd half it got kicked back because the first half was never paid. Now neither company said nothing and did nothing. In August 2008 I got a letter from the town my taxes were deliquent and a lein was being placed on my property in Sept.2008. I took an entire day off from work and spent it on the phone between Nationstar, the Town, the County and Fiserv. I found out Fiserv still had the check it had never been cashed. I was in contact with Jeffrey of Nationstar Escrow. I told him Fiserv had the check, gave him the contact there I had spoken too and the check number. He said it would be taken care of, no problem. A few weeks later I called the town, they said everything was paid and there was no lien. Everythings good right? WRONG! It seems Jeffery and Nationstar took out an advance of money from First American (who holds the escrow monies). They took basically an unauthorized loan on my mortgage for $7000.00 in Aug 2008. I found this out 8 months later in April 2009. How? I had just made the April payment online. My account appeared perfectly normal on the statements. There was no inkling of what they had done until I received a letter on April 6, 2009 that my next payment (in 3 weeks for May 2009) would be an additional $700.00 a month to payback the advance they took out 8 months earlier to cover the tax money they lost. I went NUTS. That was Saturday and all was closed. Again Monday I took off from work and called them. Needless to say, they told me they would file a dispute it could take 30 day...then 90 days... it has now passed 6 months and they still have not gotten back a single dime of my money. I have been working with a woman named Theresa Pointer in Escrow, but she has suddenly disappeared in the last month (they said she's been out sick). Now I have Tom in Escrow and Fiserv contacts with the Research Department of Randy Foyer and Kathy Kinkerk. Not only can they not get the money back from Fiserv (I even sent them an entire packet of papers certified registered mail w/signature required) with a copy of the page from my mortgage that shows what should have happened, but they themselves cannot find the money they should be holding for what should have been the second half of the taxes. But they said "Don't worry about that yet, we have to get the Fiserv money back first." The original tax bill and what they ended up paying, of course, were different amounts because of the interest and penalties that accrued after they paid it also. I have refused to pay them ANY of the extra amount since May, because I believe they are thieves and con-artists and I will not pay on money for an unauthorized loan they took out because they are incompetent. So now they keep saying my payments are behind, they put each payment into a holding account until it adds up to what they want it to be. I call them 3-4 times a week. They call me 2-3 times A DAY 7 DAYS A WEEK. They send me threatening letters about foreclosure, and remodification of my loan. I get phone calls from all these departments- Customer Service, Collections, Foreclosure, Research and Escrow. I am on the automatic dialer so they call me everyday including Saturday and Sunday when they are closed, besides the live operators. It starts at 8 am and goes till 9 pm. This for the last 5 months.. They threaten me constantly. I even had a supervisor hang up on me during one phone call because of my attitude toward her (this was on a third phone call of one day from them after about 4 months of this crap) She didn't like my tone or attitude and wouldn't be spoken to "in that manner" and when and if I calmed down and adjusted my attitude I could call back to speak to them..with that she hung up on me. So 6 months and still waiting for them to find my money...it's the worst nightmare scenario. I would never have imagined this happening to me. All my bills are paid on time..but my credit is now in the CRAPPER because of this..because, of course, they are report me as being deliquent to the credit bureaus. I cannot even refinance through another bank just to get away from them because of all the damage they have done to my credit. I can't sleep and have nightmares, I don't know what to do anymore. :(

yes i agree with all of you and if you try to refinance from nationstar to another bank thy dont do anything but give you grief the whole way

We were given a contract by Nationsatr for a Mortgage Modification but they called one day before the mod date to say the program was cancelled. We had to battle them, send letters and documentation ( which we kept records of every person phone call, every detail. They eventually gave in to the contract terms but you have to document and record EVERYTHING with these hucksters.