Mr. Cooper’s earns a 2.7-star rating from 10 reviews and 559 complaints, showing that the majority of homeowners are somewhat satisfied with mortgage services.
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fraud
Nationstar purchased my mortgage in 2010 and from the start they have been charging me bogus late payments, double charges for late payments eventhough I paid them already, and absolutely horrible record keeping! I have never had so many problems with any mortgage company and I have had home loans for the past 10 years. They commit fraud and I am not sure why the Feds have not looked into their operations. They also call me every month to say that I am late, usually around the 5th to 7th of the month eventhough I have until the 15th to pay my mortgage. This is the worse ever mortgage company; a bunch of thieves!
release of funds for rebuilding
Our home caught fire. We have a small mortgage on our home. thru Nationstar. The loss department are the worst. You never speakto the same person twice. Everyone has different answers . They constantly apoligize but state that it takes 24 to 48 hours to get an answwer. Three weeks later still no answer.
They have our insurance money and will not release the funds as orginally stated. Each time they find excuses for holding on to it or they find that it doesn't meet their criteria. They are the most inept company that I have ever had to deal with. Never choose this company for your mortgage They want your money but they are of no help when you have a real problem. At this point I must pay an attorney to help with this mortgage company.
The complaint has been investigated and resolved to the customer’s satisfaction.
tree hit our house on july the first 2012, they still have release the insurance funds for repair's
horrible service, unauthorized charges, tampering with mailbox
Nationstar mortgage is horrible. After being laid off of my job, I was late on one payment. I contacted nationstar to try to work out a payment plan. They said they could not help. Then, they sent someone to my home, which knocked on my door on a sunday evening. He also put a note in my mailbox, which is felony offense. Customer service is horrible! Everything about this company makes me cringe.
The complaint has been investigated and resolved to the customer’s satisfaction.
Putting a note in your mailbox is a felony? In that case, we should take all the local pizza and Chinese food places to jail! They put menus into my mailbox all the time!
mortgage loan payments
After purchasing my home loan from Flagstar, they have consistenly displayed their incompetence by losing my payments. They charge for online and phone payments. The only option is direct deposit or mail in. You can forget direct deposit, I'm not letting them near my bank account. They don't mail their statements in early enough. They harass me with automated phone calls for payments they have already recieved and they even charge me late fees for payments already received.
The complaint has been investigated and resolved to the customer’s satisfaction.
If your bank offers free bill pay you can pay Nationstar Mortgage without having to pay their ridiculous fees to transact business.
repayment play
Back in April, I was having financial problems. I call Nationstar and ask what options do I have with my April mortgage payment. They suggested that I talk to the repayment plan department to see if I qualified to do that. I talked to them and they came up with a replayment plan for me. After agreeing to the replayment plan, (a third of the april payment added on to the next three payments), I asked if that was all there was to it. I was told yes, make the next three adjust payments, and I would be fine. So it came to my suprise when I was notified that my credit report had change. To my horror, Nationstar had reported that my payment was 30 days late. If I had known this, I would have never agreed to this so-called payment plan and figured something else out. Doesnt seem like this is too much of a payment plan. Especially when Nationstar doesn't tell you everything. I tried to talk to customer service about it, but was given the usual "this is nothing we can do, and you should make your payment on time" speech. I didn't like being talked down to. I thought I was trying to do the right thing by working with Nationstar, but I got screwed in the end.
The complaint has been investigated and resolved to the customer’s satisfaction.
Generally repayment plans do not protect your credit as the mortgage company is required to report any delinquency after 30 days to bot your investor and the credit bureau. I repayment plan simply takes the delinquent payment amount and stretches that amount over a short time period 3-6 months usually in order to bring your account current so you do not keep falling furthur into debt
applying payments incorrectly
This is the worst mortgage company I have ever had to deal with! My mortgage was sold from gmac to nationstar mortgage and each year they tell me I have a shortgage in my escrow account. The 1st year I was short $9.57 I sent a check for $50.00 and my mortgate continued to go up. The 2nd year I was short $58.00 and I sent a check for $100.00 and my mortgage went up again. This year they said I was short $628.00, but they were holding & 278.21 in an account because I always over paid my mortgage. I ask them to apply the $278.21 to the shortage and I will pay the difference of $350.00. To stop my mortgage for going up over $100.00. I was told after I paid the difference thay they could not apply any of the money to my shortgage. So for 3 years my mortgage has been going up and up and now I can't afford to pay. One of the managers has even went as far as offering me a refund of $300.00, because they did not do what they were suppose to do. No one there would give me a straight answer and all the managers are either not in or they are headed to a meeting.
The complaint has been investigated and resolved to the customer’s satisfaction.
I agree that Nationstar is one of the worst Mortgage Company"s ever. I'm just waiting to see the out come of my problem. If need be I am and willing to take them to count, all the way to the Supreme Court.
Our mortgage just got transferred to Nationstar from BoA, neither informed us of this transfer. It was only when my payment to BoA was refused, by them, and my, subsequent, call that I found out what had transpired. I have asked Nationstar to send me a statement so that I can pay by mail, they told me it had already been sent. when the statement did not show up, I called, again requesting a statement be sent. A week later, still no statement. I tried eight times today to pay my mortgage over the phone, go through their "automated" system, jumping through all the hoops, only to hear that "due to high call volume we cannot take your call, please call back later, CLICK". So now I'm forced to send a payment through their Western Union bill pay in order to avoid a late fee and have to pay Western Union $9.99 for handling this transaction. You better believe I printed out a copy of that transaction! I've been their customer for less than three weeks and will be going to Lending Tree tonight to see if I can find someone else to handle what remains on this mortgage.
Nationstar has the worst accounting practices I have ever seen. We've been trying to close out our loan since July, and today we got a statement saying we owe $.11. that right, eleven cents. this is after we sent them the total loan amount in July. I just sent a letter requesting that they close our account, and a check for .11. I also reguested that they send us a copy off our payments for the past year. Any beats that we don't get that. These people need to be stopped!
I agree the are the worst. They tell you one thing but never follow through with what they atre suppose to do. They suck big time.
I urge everyone who has had an issue with Nationstar mortgage's business practices to contact the Fedral Trade Comission (FTC) and file a complaint. The FTC does not act on individual complaints but if all of the people complaining in this forum with valid compliants and accounts of business wrongdoing file with the FTC then maybe we can get something done about the menace that is Nationstar Mortgage. the website to file your complaint is: https://www.ftccomplaintassistant.gov/
MY mortgage was acquired with Nationstarin Nov 2010, my mortgage immediately went from $698 a month to $738, to $873 by March of 2011. They stated that somehow my homeowner's insurance doubled or something and that we went well over escrow and now must pay back $1200. There were no letters sent about this enormous jump in insurance, nor any real warning that our payment would suddenly become so large. They spread the amount over 12 months somehow making our payments jump almost $200 a month. I spent three month trying to straighten things out: We got insurance from another company, much less expensive, received a refund from our old insurance company and paid the full check to Nationstar to be put towards the escrow. I won't get into the detrails but sufficed to say though we paid more than the escrow overage amount to them we are still stuck with a monthly mortgage that is $175 more than it was three years with Citimortgage due to Nationstar's incompetence.
I was laid-off two years ago and the extra large payment is getting increasingly harder to pay each month. Now that I have been to a few compliant boards I am scared that the over-inflated payments wont go away after the year ends, as Nationstar told us. We cannot afford to pay what we are paying and we certainly cannot afford another hike in payment or another screwup in their offices. I am now also afraid to try for the loan modification since so many have been losing their homes trying to work with Nationstar. I am still trying get them to release the money they took and put towards the principle and put it towards the escrow as it was supposed to be, but it seems that they are determined to screw up as many people as they can to get their homes.
cheats
I had the misforune of having citimortage sell my mortage to nationstar in 12/10. I made the mistake of applying for a loan modification in 3/11. After being turned down, I called and asked why. They said that I didn't meet any of the qulifications. I told them "what about my wife passing away" and they said they didn't have a death certificate (which I faxed them with all of the other paperwork) when I told them this, they said that they had found it, but I would have to resubmit all of the papers again. Now they're charging me escrow & insurance which I never authorized. My payment is going from 1, 800 a month to 2, 500 a month. I was turned down for the modification but they're still doing this. Now they're charging me late fees, because I won't pay for the escrow & insurance. It's a "FLIM - FLAM" company
loan modification fraud
I came to Nationstar not by choice, but by default. My husband and I attempted to refinance with Citimortgage way back in May of 2010 and were denied every program basically because we're middle class--we either made too much or too little to qualify. Then they had us apply for a loan modification and if I knew at that time what was going to happen, I would have just walked away from the house regardless of how much I'd have to pay in taxes. First, it took six months for the paperwork to be finalized because EVERY single time we sent the "last missing document", they called us back and asked us for some other ridiculous document or asked for documents that did not apply to us, such as self-employment profit/loss statements of which neither of us would have because neither of us was self-employed. Finally, literally TWO WEEKS after we sent the official last document to them, we get a letter in the mail the first week in November 2010 stating that our loan has been sold to Nationstar Mortgage, a company we'd never heard of before and did not sound all too reassuring.
So now we go through the runaround with Nationstar. Citimortgage had an obligation to forward our documentation to Nationstar, but Nationstar claims it was never sent while Citimortgage swears they did but can't help us because we are no longer their customer. So there we were in the same position as May, surfacing tons of paperwork to resubmit to them. I asked if we would just send what we sent to Citimortgage and they said yes that was fine. We send everything, keep getting notices that we're missing this or that, send this or that in, and when everything was sent, they decide all of a sudden they need more current documents. So we went through the same deal of constantly being asked for "just one more thing" until finally our account was said to be ready to move forward for application. First, we were denied a HAMP loan modification because they claim our housing costs weren't above 31% of our salary. I did the math and our housing costs are at 43% so I don't know how they figured that out. Then they apply us for a "Mod 24" which I still don't fully understand, but they did offer us decent terms on the phone and a 3-month trial period beginning April 2011. We were told after the 2nd payment we'd receive the paperwork to be signed if we were approved. Well we got approved, but did not receive paperwork. Our account manager explained only the HAMP loans receive their documents before the 3rd payment and we'd have to wait until after making the last payment. We were skeptical, but decided to pay. So here we are, June 13 after making all three payments well before they were due and I get a call today saying we will not be receiving our documents until July. I lost it on the poor woman. Today is my due date to have my first child, because of Nationstar murdering our credit score we could not get a lease on a new car, and we have poured countless time, effort, and money into making small upgrades to our home so it would be ready for a baby. All that combined with a year's worth of fighting with banks and mortgage companies meant this woman called on a really bad day. I unleashed saying how ridiculous this has gotten that every month it's a different story or the same promises that do not come true and how this company is preying on honest, hard-working Americans who had no intention of ever defaulting on their mortgage but were adviced to and essentially forced to just to QUALIFY for one of these programs. If you say we will get our agreement in the mail in June, I should have it before my July 2011 payment is due. They are extorting us for another payment and my gut tells me that come July, they're just going to deny us this modification after everything we've been through and we'll be forced to walk away from the home we thought we'd have our first child in.
So I say this company is completely fraudulent and trying to extort money out of people as long as possible, but really what they aim to do is frustrate you to the point of foreclosure because you start to feel that is your best and only option left. If we do not receive our documents next month after paying them again, we are going to consider foreclosure or a short sale and get as far away from this company as possible. They seem all nice and helpful on the phone, but I don't buy it anymore. This is flat out stealing, extortion, and predatory practice. There has to be something people can do to expose this company and get the help they need and deserve from the government. It's sickening to me what the taxes are on my property considering it's a condo with no amenities whatsoever (no pool, tennis courts, or anything like that) in a small town with no high school. We're getting taken for suckers and I'm really sick of it! What can someone like me do in this situation? I have too much pride to just walk away, but I feel there's nothing left to be done.
I completely agree with you. My mother is a foster parent and is losing her house because of citimortgage AND nationstar running their schemes. They are getting away with it! She doesn't know what to do and is on the verge of losing her home.
rude, unprofessional, do not try to work with you if you get behind in payments
I am struggling to keep my home. I am behind in payments. Had a modification done 2 years ago, didn't help a lot. I fought to get that approved, constantly calling them. The modification changed my monthly payment from 2100 to 1850. We had loss in income and I have medical issues. Now that I am behind, they threaten if I don't get 5600 to them by July 8, my house will be in foreclosure. I tried working with them, last month I paid 2575, 1850 to the mortgage payment and 700.00 towards my delinquency. I am truly trying, but each time I call to try to make arrangements, everybody is so RUDE & THREATENING.
I m about to call them now and see if they will try to work with me.
I got behind when they posted money that I had in the account towards my mortgage payment. A customer service person told me about this money I had. 6 months later to find out the money could not be used towards my payment. Therefore, they deducted the amount without sending me a letter explaining what had happened. This is the kind of company they are. They never admit to making a mistake.
The complaint has been investigated and resolved to the customer’s satisfaction.
My husband and I are having a tough time as well. We were with MoreQuity and did the "Making Homes Affordable" in Jan of 2011. In the mist of everything, MoreQuity when belly up, sold the mortgage to NationStar, and now they want to do a Dead In Liau, they will not work with us. (our trial payment with HAMP was $1500 now it has gone up to $2200). We cannot afford this. We have not receive any type of certifed mail regaurding our home, but I do have a appraiser that is call to make an appointment to home out to the home from NationStar. I want to fight for our home, but don't know what to do. This is not a good company!
nonpayment of taxes from escrow
My mortgage was sold to nationstar mortgage last year and I have had nothing but issues since. Since initial correspondence in october, 2010, forwarding tax property bills to be paid out of my escrow; additional letters and many months of correspondence, phone calls, etc. , I received an email from nationstar in january 2011 that the taxes had been paid. I...
Read full review of Mr. Cooper and 4 commentsremodification of home loan is a joke
My wife and I live in FL where the housing took a huge nose dive in 2017. We bought in 2017 at 220K using Flagstar. Even though our loan was fixed our payments kept rising. We submitted for a loan re mod because of paycuts and job slow down. We went through hoops and jumps and were just about to get qualified when our loan was suddenly sold to Nationstar. Nationstar said they saw no process of re mod and that we would have to start over. What I did not understand and knew it would bite us in the end was that in order to re mod your home loan you could not make any payments. They said if you pay anything it cancels any progress of remod. Crazy. Well after talking to cust rep after after cust rep we finally had a person say the Nationstar made a mistake and entered in my wife's income twice! We actually made it...a re mod went through...BUT our credit is screwed because without our knowledge submitted a foreclosure on our credit score, there are numerous unexplained charges on our bill. Legal fees, processing fees, a tacked on 5K that is not even labeled. Wow what a great deal...what is our rights as a borrower in the situation. My next step is to seek out legal advice. Wish me luck.
The complaint has been investigated and resolved to the customer’s satisfaction.
I had my loan sold off to Nationstar and it was up for modification on a 5/1 Arm. Not only did they not modify it on the date stated in the contract they utilized my HAMP credit without telling me. Instead of modifying it for the life of the loan of 30 years they modified it for 1 year per the contract. I lost my job and tried to sell the house and could never get someone to agree to a short sale and I had a legitimate offer. I am now trying to accomplish a deed in lieu. If you call that department they state the hours are from 8 am to 8pm CST. I just called into the main line and they are telling me that department is only open from 11 am to 5 pm daily. Talk about banker's hours. When I was current on my loan they sent someone out and turned off my utilities and changed the lock on my backdoor. What a group of shysters. If anyone is going to file a class action suit please contact me because nothing they state they will do to help comes through and I do not get the same person twice.
They took over our gmac mortage in december and never notified us. they told us to cancel a check sent to gmac and then when gmac sent them the check they treied cashing it. they told us not to make a payment for jan but then have been hounding us several times a day for the late payment and even sent someone to our house without notifying us with a certified letter.
Sounds very similar to what they have done to my wife and I. We have been going through the mod process for almost 2 years and are now owing 20 payments. These people suck. Good luck with seeking legal advice. California already has a class action against them
I can get just about anyone a loan Modification with nationstar. I have as of right now, 100 percent success rate. It not what you know, its who you know. Email me now and i can help. modificationexpress@comcast.net.
Allen
fraudulent loan
In 2007 a mortgage was taken out by a man claiming to be my husband. I was still in shock over my spouses untimely demise on 8/28/2004. I was hospitalized when I found out about this mortgage, The payment was more than my disability check. They would not go after the co-signer (actual person who took it out) nor will they attempt to find him.. They should have every record gone over by the Feds to stop these predators!
The complaint has been investigated and resolved to the customer’s satisfaction.
I certainly hope you contact law enforcement in your area & file an identity theft report on this person. Also put a fraud alert on your and your deceased husband's social security numbers with all 3 credit reporting agencies. Lastly, I hope you DO NOT deal with this company AT ALL! They have no legitimate business with you, and you do not have to answer to them in any way whatsoever. If your phone number is on the national Do Not Call register, politely inform them of such, & since you have never done business with them, you will be reporting their contact with you, as they are not in compliance with federal rules.
Loan modification
We purchase a house in 2006 and in 2008 we apply for the loan modification program, they had us on trial pmts for 3 to 4 months and they did this 3 times... They are still unable to help us... I received a letter 3 wks ago stating that we dont qualify for the making home affordable program because of exessive forbearance that they will see if they can qualify us for the traditional modification (inhouse program) they had me like this for the past 2 yrs now I have not been making the pmts for the mortgage for about 1 yr now... Quite honestly they do not care for their customers they are greedy. Everytime I ask whos the private investor they cant provide me with such simple information, when I asked whos the ceo to write a complaint letter same ans. Cant provide that info is private, when I asked whos the executors name I mean this people are trained so dumb that they think that we customers cant get information online... Im ready to write letters to the governor, senator, congressman, and evern the president...!
Today I called aurora to check stat on my mod and I was told that they are requesting new docs... I mean who are they kidding! Please we all need to get together do something go to a news channel or something public...! Im not giving up thats for sure!
The complaint has been investigated and resolved to the customer’s satisfaction.
Aurora is not a Loan provider you want to deal with. They have no interest in modifying any loans. These people are bullying and cannot be trusted. After 10 months of making trial payments with them, they denied us. We took it to an attorney and now is in the process of taking legal actions.
The best way to deal with Aurora is thru an attorney, not a Loan Mod agency. You'd probably have to pay a little more, but spare you a lot of emotional distress later dealing with Aurora.
You were reading a complaint about Aurora Loan Services.
Filing a new complaint about
I fell behind on my mortgage with Aurora Loan Services and then was offered a temporary modification plan for 6 months. After making payments on this modification for 3 months, Aurora Loans went behind my back and in the meantime sold my house without ever notifying me and gave me 3 days to move out. After contacting Tom Winn's office Deborah Knoll told me that I cannot speak to me and would have someone look into it and get back to me. I got a call back from a Kyle Giem who then told me he was going review the loan modification and that my move out date was extended to June 25, 2010. After reassuring me over and over that my move out was June 25, 2010, their attorney went ahead and filed an eviction and serving with papers. I went to the emergency room after suffering chest pain and having a panic attack of being notified I am now being evicted when all along I was told I had until June 25, 2010 and that they were still working on a loan modification. After receiving the eviction I called Craig Wildrick and he basically doesn't care and neither does Kyle Giem. He had Deborah Knoll get an attorney Justin and have him threaten me not to contact Aurora Loan Services, but to instead just deal with him and he basically told me that Aurora Loan Services is not going to work on a loan modification and that they no longer have the paperwork I submitted to Kyle to be reviewed for a loan modification. I have proof that he received it. And Deborah Knoll is a lying two faced person. She tells you one thing and then hangs up the phone and has attorneys threaten you. Basically stay away from Aurora Loan Services. They are not in the business of helping you. They are in the business of ripping people off and sending people to the hospital waiting for them to die and take their money.
I have been reading quite a few of the reports on here and so have my attorneys. They advised me to post and ask if anyone might be interested in joining my lawsuit as a class action suit.
My story: I originally requested a modification in mid-2008 and was denied. When I lost my job in September 2008, I contacted them and told them I was concerned about being able to afford making my payments and wanted to find out what options were available to me. They said they could modify my loan based on need, but I could only demonstrate need if I didn't make my payment for 3 months. So, I stopped paying.
They never once attempted to contact me. When I received the Notice of Trustee Sale in March, I contacted them and agreed to enter into a forbearance agreement, requiring me to make four payments on time, in an amount exceeding my original monthly payment. I signed the forbearance agreement and sent all payments via either overnight or certified mail, so that I had proof I had sent them timely.
My last payment was due July 10, and I was still in the process of exchanging paperwork to help them determine what workout we could arrange. Like many other stories on this site, I sent them what they requested, then they told me it wasn't sufficient, and to send three additional documents. I then received a letter dated July 24, postmarked July 27, informing me that, due to not receiving ONE piece of paper, they would not be able to work with me, and would pursue other actions. I had been out of town, and didn't see this letter until August 2. On the 3rd, a real estate agent came knocking on my door to offer me "cash for keys".
Floored, I started researching and discovered that my home had been sold on July 30, only 20 days after making my final payment!
Here are some of the deficiencies we have found so far:
-required affidavits not filed with paperwork filed with county
-substitution of trustee filed a month AFTER the trustee filed a Notice of Trustee Sale (meaning they didn't have any authority to act as trustee at the time the notice was filed)
-breach of contract
-protocol not followed in starting the process all over again - if I had, indeed, been in default (as they are trying to claim), they were required to file a new Notice of Default, and start the process again
If you have any questions about your own situation, please feel free to contact me, and I will answer to the best of my ability. I am not an attorney, and I encourage you to find an attorney willing to give you a free consultation. And, if you find your situation similar to mine, please consider joining with me in this class action suit! You can contact me at: scalesofladyjustice@yahoo.com
We have tried repeatedly to work with Aurora Loan Services but they are more interested in foreclosures, bankruptcy, and short sales. We are trying to keep our home but they just will not work with anyone. We were recently in the UPS Program but when I sent the documentation in they wanted they waited months and then told me I sent the wrong documentation, hey a phone call, letter? We then were told to come up with $9800 now or face foreclosure proceedings. Really? We are unemployed and just started Social Security, if I had $9800 laying around I would not have applied for a modification or the ups program. This company needs to be investetigated fully. They also need better communication among their agents, no one ever seems to know what the other department is doing. Watch out do not get involved with AURORA LOAN SERVICES. I am also going to E-Mail Obama about the company and see if he has people who will look into it.
Aurora Loan services is the worst company I have ever worked with. You can never actually speak to a "real" employee. Every call is fielded by a customer service agency. No issues are actually addressed. When you file a complaint, they send you a letter.
I was recently "approved" for a loan modification with these terms:
-same interest rate of 7.5%
-monthly payments lowered by $30
-$800 added on to the total loan
How can this honestly be labeled a "modification" ?
The exact same is happening with me!
I had a similar experience with them and they even went so far as to tell us to cash in our small retirement accounts and we would get the modification so we did and they were full of ###! We then realized they were a scam and backed out of trying to do anything. What can we all do as a team?
They actually call my house every month if they have not received the payment by the first and we have never paid late ever.
Lori
DEAR CHARLIE 17
ALL THIS PROBLEM START IN OR BEFORE 2005, EVERYBODY KNOWS, (REAL STATE COMPANIES, MORTGAGE COMPANIES, LIKE J.P MORGAN, SUCH GOLMAN, BANKS ( WELLS FDARGO, BANK OF AMERICA, CITIBANK, WASHINGTON MUTUAL, CHASE AND MANYS OTHERS) THAT THIS CITUATION AND THE FIASCO OF REAL STATE, WAS BEEN PLANED LONG TIME BEFORE THAT ANY BODY CAN IMAGED THAT THE COLAPSED OF THE ECONOMY IS HAPPEN.
MILLONS OF DOLLARS WAS BLANKED WITH THE SUPRIME LOANS MORTGAGE AND COMPANIES LIKE AURORA LOAN SERVICE TAKE IT THE CHANGE TO SCREW PEOPLE LIKE YOU AND ME., THE STATE HAVE THOUSANDS OF COMPANIES LIKE AURORA LOAN SERVICE THAT WORKING COLLECTING MORTGAGE PAYMENT FOR SOMEBODY THAT IS LOCATED OUTSIDE OF USA.(EUROPA)., THE OLD CONTINENT., WE ARE SUPPORT BIG CORPORATION FOR THE LAST CENTURY.
WE NEED SOME BODY THAT CAN HAVE A BIG (YOU KNOW WHAT).
SINCERELLY
LFG.
has enyone found a solution or help with My Aurora Loan services?
I submited my Loan Modification back in Feb. 2010 and 3 months later they came back stating that my doc. were never received.
I sent them a copy of the fax report, where it shows date time and number of pages received and the confirmation I received from the Lost Mitigation departmen. I waited 8 months to receive a letter that the loan modification was denied due to imcomplete package. I called them an asked them to reopen the case and they did, they confirm the got all docs. but 4 months later a got a LETTER STATING - DECLINED.
Can some one help me? Please write me back to german_apex@yahoo.com. Thanks,
I HAVE BEEN DEFRAUDED BY AURORA LOAN SERVICES. I COMPLETED MY 3 MONTH TRIAL AND TO NO AVAIL. MY FILE IS NOW WITH AN ATTORNEY AND MAY NOW LOSE MY HOME! I AM LOOKING FOR OTHER AURORA LOAN VICTIMS TO FILE A CLASS ACTION LAW SUIT. I AM ALSO LOOKING FOR A LAW FIRM TO REPRESENT THIS LAW SUIT. YOU CAN REACH ME AT robertvalentin@comcast.net
fees
Nationstar Mortgage is one of the biggest rip offs ever! If you can avoid using them, do so...AT ANY COST! Forget them working with the consumer to try to get on track, they freakin screw you every chance they get with every fee they can. This nation is going to hell in a handbasket, because of corporate America's greed. No matter how you try to make a payment, with the exception of using a check, they charge you! You make a payment with a rep to avoid a late fee, they charge you! You make an internet payment, they charge you. You try to breath, they charge you!
The complaint has been investigated and resolved to the customer’s satisfaction.
nationstar mortgage bought my loan two years ago.i have allways had my home owners and flood insurance paid on my loan . when the renewals were up, they paid my premiums with out any notification to me. now my payment went up 200.00 and to make it worst, they are charging me 1, 200.00 for a fee they call " shortage " that is not in there payrate to explain . GOD LOVE THEM
Home Modification
I contacted Aurora at the end of 2009 when my mortgage payment was going up by @300 dollars. At the time my husband was out of work and had lost his business. I was told that they couldn't not help me until my payments where past due. I waited a couple of months and stated I needed some help, that at the current time could not afford the payment increase. I then went into a forebearance agreement which was to go through July 2010. During that time I sent document after document paid my forebearance payments on time and did what was asked of me. At the end of the contract, Aurora stated my loan was still in review and to continue to pay my forebearance payments. I called periodically to check on my workout status only to find out my loan was still under review. I occasionally got letters stating that Aurora needed information which was already sent to them previously but sent it anyway. It has been 14months since I started this process and just found out that I was denied a HAMP because my gross income is more than 31% of my 1st mortgage, insurance and homeowners dues, etc. Now, this is based on a simple math problem that takes only a moment to calculate, meanwhile my past due payment are accumulating. Now I am told I am approved for a tradional home modification for an amount that is greater than my payment was before I started this whole process over 14months ago! This to me is insane and should be illegal! I have gotten conflicting information from every representative I talk to at Aurora. I need advice on what to do. Does anyone know at this point whom I turn to? Thank you for reading.
The complaint has been investigated and resolved to the customer’s satisfaction.
We are in a similar situation with Aurora. My husband lost his job over a year ago, we agreed to the HAMP Up forebearance plan in December (not knowing how it would devastate our credit), and jumped through hoops to hold onto the house. In the end, we have decided to file for bankruptcy because they sent us notice stating we were in default and owed all the back payments and late fees (even though we were NEVER late on the modified amounts) -- without even stating why we did not get approved for a full HAMP modification or trial period (as is required). When we called, every service representative we spoke to gave us a different answer of what we should do. We are tired and just don't have the energy or ability to continue fighting. The house is worth less than we owe, so... We are hoping the bankruptcy gives us (a) a fresh start (b) puts a stay on the foreclosure until after the bankruptcy if finalized (Aurora seems to one of the banks that files a relief from stay, so chances may be slim) and (c) then we can put the house up for sale as a short sale. This is all assuming they will be smart and lets us short sale...which will net them more $$ than a foreclosure. But of course, they could have modified the loan with us and made more $$ -- yet they did not do that. The government feeds them money the longer you are in some form of HAMP mod is what I heard, so it really does not behoove them to help the homeowner into a permanent stable situation. If they allow us to short sale, at least the neighbors won't be as affected by our situation...sad the ripple effect of just one job loss.
We need to do something about Aurora Loan Services...Im getting ready to write up a letter to the CEO or EXECUTIVES of the bank...to be honest i do not have a name for the CEO i have to search online Aurora will not give me such information...they said because if private...wt* !
Im going to go extreme with this bank contact the governor, senators, congressman even the president...!
AS customers we need to have them hear our rights, cant they see we want to keep our property?
collection agency
Nationstar (Ns) is debt collector... They service nothing!
Ns reps refuse to identify themselves by more than a first name, sometimes a bogus extension number. You can never reach the same person you spoke with previously. Hold times are ridiculous... Then we must identify ourselves all over again.
Ns failed to produce payment history on my account for life of loan as I requested (Citi mtg previous lender). My loan was established 7/07 with citi mtg and ns took over my loan 11/10. Ns only provided history since that time (11/10).
They refuse to walk me thru fannie mae loan look-up process. I've tried numerous times to look-up my loan via this bogus internet service to no avail. I even tried contacting fannie mae direct and they referred me back to the servicer and released the call.
Banks and the american government should be ashamed of themselves... Losers!
The complaint has been investigated and resolved to the customer’s satisfaction.
You need to take CitiMortgage to Federal Court. On your original loan Note, who held the note at that time? FNMA probably or Lehman Brothers or MERS. What assignments have you received or has been filed in city or county records? Do the assignments follow the trail of the people collecting from you? Nationstar is not considered a debt collector, don't know why not but so be it.Sue under the FDCPA 13 U.S.C.$169 which is Fair debt collection practices also for damages for violations of the Consumer collection Practices Act for your state. I have been fighting 10 properties in Florida since the crash. Federal Court is the only way I've been winning. My Mortgage people were Aurora who sold to Nationstar, BofA and Citimortgage. State court doesn't work.
We are now in the process of dealing with this company same circumstances. Not getting a good feeling
servicer hell
After being approved for a HAMP loan mod through Suntrust Mortgage, we got sold to Nationstar in December 2010. Nationstar is even worse than people are talking about. They lie, cheat, and mislead you. They are horrible. The first thing they sent to us was foreclosure paperwork. They said that they had no record that Suntrust modified our loan and that we were 7 months behind. They have added outrageous fees to the sum of around $5, 000 in the last 2 1/2 months and cannot account for ANY OF IT! We are now fighting them in court over this foreclosure because of the fraudulent paperwork and missing documents. They have no proof they legally own our loan but are still trying to foreclose on us. If you ever do business with these people, RUN! File as many complaints as you can! They need to be put out of business before they take all of our homes!
This company is composed of liars, cheats, and rude employees. I think that all they want to do is rip off customers and add on unnessary fees. They lie to you after they put you on "hold" for hours, or they cut you off and promise to call you later. They are predators. Obviously, they must pay someone off in the government in Texas. Sixty Minutes and CNN needs to expose this company to the Federal Government. With all of the complaints, I don't understand why the Federal Government isn't investigating them.
i am going through forclosure now with this company...They lied!
Entered into HAMP program with Nationstar and sent them everything that they asked for in the way of paper work. After 4 months they said "didn't sent them the required information." So we did not qualify for the program. A girl called from under writting, told use what we needed to say in the letter, then fax it to them. Done that. They lie to you, mislead you, every chance they get. Nationstar is a company that should be put out of business. They talk and treat their customers like they are nobody.
MR. AND MRS. NO CUSTOMER SERVICE. They don't no the meaning of those words. I wish there was a way for everyone on here, that filed a complaint, could be involved in a class action lawsuit. I hate this company.
Cr*p company
Well I see I am not the only person that thinks Aurora Loan bank is crap. I have been, with the aid of a short sale specialist, trying to short sale two properties in Georgia. The customer service is crap their phone people are less than helpful and even when the paperwork is produced there is not a sole able to review it or make a decision. PLUS the attorneys Aurora uses get paid so much per foreclosure so guess what folks they have no incentive to try and work things out. I also own another property in California with Aurora, (not by choice they bought my loan)and guess what if things get worse that's the first thing I am going to do dump it. I will not bother to short sale because I now know the corrupt system aurora uses, I have sent letter to the State requesting that that bank no longer is able to do business here in California as they are so corrupt. I also am informing everyone I know all over the united states (I am part of a huge animal rescue) not to use this bank as they are fraudulently offering short sales and then do nothing to help it's all about insurance for their investors why short sale when insurance will pay for losses. they are rude ignorant of the system and have ulterior motives. I had a cash buyer for two properties and couldnt get to first base using an experienced short sale representative from REMAX.I originally tried to consolidate the two loans (first and second)and was told $15000 plus costs, who in the *** has that kind of money to get rid of a 2nd. Do yourself a favor stay far away from this bank. I now have a forclosure on my record and my wish for them is to have everyone read this and dump them. There were 8 nurses that bought in this tract in Goerga and they all are in trouble my advise to them has been just walk away do not try to short sale Aurora doesn't give a dam.
claim there is a shortage in my escrow account
I knew I smelled a rat when my loan was sold to nationstar from dovenmeuhle mortgage company. I received a letter stating my mortgage is going to go up because of a low escrow balance and the state laws says there should be an escrow cushions *blah blah blah* i'm now convinced that these banks try to set people up for failures. Not me! Thank god I keep all of my documents for proof. When they purchased my loan they claim I had a much lower amount in escrow than I really had, but I have a statement from dovenmeuhle that states differently. It's only a matter of time before this bank falls like the rest. I believe in god and if anyone else knows the power of god they know not to mess with his children because he will deal with you! For the other people whom this back is robbing blindly hang in there. There is always light at the end of the rainbow. God bless. [protected]@aol. com.
The complaint has been investigated and resolved to the customer’s satisfaction.
My original loan was sold to these thieves in April 2010, the mortgage company I had was awesome - my Home Insurance had already been paid before Nation-star was to officially take my account. I find myself paying 200.00 more than my old payment, due to escrow shortages and it is because they decided my insurance was not enough to cover my mortgage amount. However, my property taxes and value dropped more than 1/2 -
This was that latest of my issues with them, for the first 5 months I could not access any information on line pertaining to all my accounts, could not view a statement and they were not mailing my statements to my home. It took threats of holding my mortgage to finally get it done. Then, as I look to see where this shortage occurred -- Ironically, the only months missing from the escrow information is the month in which they stole more than 300 dollars out of my escrow.
Who do we go to when banks are stealing and being dishonest? ... is there some place to turn?
refuse to honor term of my mortgage modification they purchased from citimortgage
After completing a Loan Modification with CitiMortage Nationstar purchased my loan. Even though I have the loan modificationn documents that were signed off by Fannie Mae and CitiMortgage, the acount resolution manager Michele states they hve decided not to HONOR the terms of the loan modification. They are threatening that if I do not make the payment I missed, even though I have documentation from CitiMortgage proving the payment was made according to the terms of the modification, they will begin foreclosure procedures. They hace ruined my credit! They are now acting more like a terrositic collection agency. I need any advice and assistance available. I am filing a complaint with the Federal Trade Commission, the Attorney General and Fannie Mae!
The complaint has been investigated and resolved to the customer’s satisfaction.
Same thing happen to my wife and I. We were in mid modification process with Flagstar then it was just sold to Nationstar who did not know a thing about it. We fought and fought and they finally re mod our home loan but after submitting a foreclosure to our credit and tagged on a bunch of unexplained fees and charges. What a joke. My home is so up side down in value I'm ready to give it to them.
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SCAM to get GOVERNMENT MONEY! We have to do something to stop these crooks from leading consumers to believe they will get a modification, and once they receive the money from the government they leave you out in the cold. They increased my mortgage payment from $1220 a month to $3600 a month, and force placed an escrow, after 8 years! This is crazy! After they told me my modification was complete and I was only waiting on my trial payments, I call back the next week and they told there's been a mandatory change to the HAMP program by the Government, and I need to pay $10, 380 to bring my account current or face foreclosure. They are very rude and every time I call they tell me something different. Not only that I have been paying my own taxes and insurance and they have me double paying my homeowners because of the force placed escrow. I called back to inform that I have friends and family that work for congress and there is no mandatory change in the HAMP program, it’s strictly voluntary for unemployed homeowners and a manager immediately got on the phone and stated they can no longer speak with me over the phone. EVERYONE PLEASE LET YOUR STATES CONGRESS KNOW WHATS GOING ON WHITH THIS COMPANY'S FRAUDULENT PRACTICES!
Nationstar Mortgage makes you believe that you are in HAMP I was sending documents since beginning of August I was sending documents that they were requesting and sometimes i already fax them and sent over night had signature confirmation, they have stringed us along thinking we were going to get a trial period and boom the foreclosure is near and still asking for documents, we even got a letter saying while being reviewed our house won't be in foreclosure and it's going to be auctioned December 13th, 2010 and we filed lawsuit against Nationstar. On this note one hand does not what other hand is doing so we all need to start fighting that Nationstar Mortgage has fraudulent activity.
I unwittingly signed up for the “trial period” for a loan modification with Nationstar. As I did not hear back from the agent named on the “offer” letter I began to research their program to see if I could find any information on their process. Low and behold….volumes of complaints on any type of related forum and complaint board. So I immediately just went back and made my regular payments. I denied their offer after finding out their tricks. (Remember…their “collectors” are not that bright). That made them hunt for anything they could to intimidate me. I have three fax numbers for them – bankruptcy [protected]), foreclosure specialist [protected]) and research [protected]). When I fax, I fax all of them. I reiterate everything that was discussed in conversation as well as any response to any letters they send. I went to pay and the rep would not take my payment, said that there was a demand letter – I have not received it (of course), but found out how much is due and when. I faxed the rep asking to fax me a copy asap – to all 3 fax numbers! After what I’ve read I will submit complaints to FTC in Texas, State Attorney General (for CA & TX) to Consumer Financial Protection Bureau (I downloaded their listing so I can provide complain counts with my faxes), Texas Dept of Savings and Mortgage Lending, as well as a good number of the 488 state representatives. Here is where you can find that information. 1) http://www.sentate.gov/general/contact_information, 2) http://www.house.gov/representatives/ 3) http://tomas.loc.gov/home/state-ligistures.html 4) http://www.whitehouse.gov/contact/ . Lawsuit: Triplett vs Nationstar Mortgage Settlement – google it to see if you can participate.
Get one of those online fax services so you can fax from your computer. Feel free to contact me – I’ve been researching and looking for more fax numbers – I’m making it a point to be heard! Good luck everyone.
I have the same problem with Nationstar right now. I received my statement that had 2 late charges that were almost identical, except for about a 19 cent difference. When I inquired about it, they didn't have an answer, except to tell me that it was sent to them by my previous mortgage company, First Horizon, who transferred ownership to Nationstar in August, 2011. They have the worst customer service and I can never get anyone to explain anything when I have a question.
I believe that we all need a class action suit against Nationstar. I was laid off and had to take a position paying 40% less annually. After exhausting my savings I applied for HAMP program in October 2010. I have been strung along, told that my mortgage would be reduced to 31% of my annual income numerous times and then after 7 months given an amount that no right thinking person would assume I could make. I made them aware that it would not work and was told, by someone stating that they were a manger, that I should make the first payment to buy me some time because they would foreclose on me within 7 weeks because Georgia foreclosures are fast. Last week I called and was told to reapply for help and resubmitted the forms stating that my income had changed. Today I spoke to someone who told me that once I made a payment, I was obligated to the terms regardless of way I did it and that a change in my income was not a consideration. My three options from them is to turn it over to them in a manner which saves them the most money. By the way, in the state of Georgia, if you are involved in a conversation, you can tape it. Someone contact regarding a class action law suit, please.
Hey, we are getting sued too by Nationstar. After horror stories about the loan modification, I said forget it. Shelleycan, take it all the way with a lawsuit. Chances are they don't have a leg to stand on. If not, short sale the house. If Nationstar forecloses on you, they will get paid from insurance, then resell your house and get paid again. I believe these damn lenders have gotten bailed out, paid out etc. long enough. It's time us homeowners go after these crooks. BTW, where is your note?
http://www.politicsdaily.com/2010/05/11/fannie-mae-bailout-mortgage-giant-wants-more-taxpayer-billions/
An addition to my previous post above. Please read this article. FNMA wanted more taxpayer dollars because they are facing more foreclosures but they are letting Nationstar foreclose at will. If anyone can explain this to me, feel free. Because I'm very confused.
I am going to let these crooks have my house and they and their Fannie Mae investors will lose thousands. I was with Citimortage for years, and they were always excellent and professional. I called Citimortgage when my loan was transferred to Nations and they warned me I was in danger, the man I talked to at Citi told me of his personal experience with Nationstar, he lost his home to them. The house is worth much less than I owe and I can rent for 1/3 my mortgage payment, so I will survive and have more money for the fun things in life rather than spending it all on a house that keeps losing value. I've put several thousand in the house, but it's not worth dealing with these idiots for years to come, I can't refinance when I owe more than it's worth, and won't take the chance of being transferred right back to Nationstar. I wanted to downsize anyway so it works out and I'll spend less money on utilities, etc. Please remember, there is life after foreclosure and maybe even a better life for some of us. I got sick when I looked up all the horror stories online, but I'm excited now about moving on and being free from them and all the responsibility of owning a home. On another note, Nationstar does not "own" anyone's house, Fannie Mae owns our mortgages and the mortgages are pooled into RMBS securities and the securities are sold to investors. Nationstar is only the servicer, but they are authorized by Fannie Mae to foreclose. Yes, same Fannie Mae that received TARP (bailout) funds from "we" the taxpayers, yes, same taxpayers getting foreclosed on by Nationstar. How ironic. Great country we live in.
I am so glad you took the lawsuit route. I am actually going through the same process. Just thinking about what Nationstar has done to me brings on heart palpitations and raises my blood pressure. From very unethical employees, to supervisors who really don't give a crap about you, I can go on and on. The bottom line is that Nationstar is not interested in modifying your loan and will foreclose on you while at the same time promissing you a modification. The left and right hands sure do different things at the same time. Once my mortgage was tranferred from Citimortgage to Nationstar, I knew I was in deep trouble, since I've read all the horror stories that regular folks like me had to suffer at the hands of this monster. Don't let them get you and take your house unjustly. Please see a housing counselor or an attorney even if they do foreclose on you. You can get Nationstar audited and 10 times out of 10 they will be fined for bad practice and you may either get your house back or finally get them to work with you like they should have in the first place. Don't run from Nationstar! Fight back! Since they are crooks, you WILL win!
Just want to let everyone know that after almost two years negotiating a modification payment and always making payments on time, Nationstar finally approved my modification. I guess we should be grateful that by modifying our loan, we have been able to remain in our home. However, below a brief history:
Bought home in 2005 for $450, 000 - Put down $110, 000
Property prices fell down to $179, 000-$199, 000 (Riverside County, CA)
Loan balance when modification started $331, 000
NEW Balance after modification $386, 000! - This means that rather than lowering the principal to what actual home prices are (currently approx. $220, 000), The principal balance went up by $55, 000! This increase accounts for legal fees, short payments (modified payments), miscellaneous. Like I said, the modification has allowed us to stay in our home by reducing the interest rate and not charging interest on a portion of the loan which has been extended to 40 years and this portion will be paid additionally at the end of the 40 years.
What is going to happen if we had to move, we would not be able to sell under current prices without short selling.