Mr. Cooper
reviews and complaints

Nationstar notified me that I had an escrow shortage of $166.87 several months ago. They told me I could either pay that shortage or span it out for 12 months, I did not want a higher payment so I sent Nationstar a check for the $166.87. I had written on the check "For escrow shortage". Somehow Nationstar did not Apply that check to cover the shortage, I still don't know what they did with it, they told me Nationstar did cash the check, three different customer service people said we are sorry it was our mistake and that it would be fixed. I find out it was never fixed, my new statement for September shows the higher payment plus an under payment from last month. I am furious with Nationstar, if they are not willing to make this right then send me back my check of $166.87, if not then I will take them to small claims court and file a complaint with the BBB.

Scamming Corporation stolen nearly $400B

Are you aware that Banks stolen people 401k IRA and Retirement over $12T?

We all are victims of the 1%; Hillary will win because the %1 paid to have her do the dirty work for them, Learn their secrecy of stealing here: https://1drv.ms/f/s!Aqs7zg7dRLmHaiosKlumjfcYTQk

Nationstar bought discharged loans for sub-penny, in other words, 1400X below value to steal people properties, after BIG BANKS already stolen our retirement in [protected].

Nationstar is by far the most lawless company servicing loans out there today! They have me in foreclosure with US Bank, whom they illegally placed in my county documents file and removed any trace of Bank of New York mellon, they don't realize that i have a certified copy from the county as proof of their once existence in my file, any letters from them stating Bank of New York mellon was the "owner" of my loan, yet i also have a letter from them stating they DO NOT OWN my loan and as a trustee have no legal right to modify or dispose of my home! Yet Nationstar blamed my loan modification denial on Bank of New York, stating that "they did not wish to participate in doing loan modifications" So they lied, , in writing, and they have no right to modify anyone's loan as they have no ownership of your loan. If your loan is securitized (look at county docs for a certificate number to be sure) then Nationstar lost possession of your note, or never had it in the first place and since they are debt collectors, they must be collecting your payments on behalf of an owner of which there is no longer one that exists. So if you have a loan serviced by Nationstar and your county documents show that it is a securitized loan, i would never pay them another cent and you need to sue them for RICO, FDCPA and a slew of other violations for collecting on unsecured debt. The fact that your loan was securitized means the note and mortgage have been separated and lost forever.
If you have a Nationstar serviced loan or a Bank of America/countrywide loan and are interested in starting a class action lawsuit against these ### suckers. Please contact me at once and i will get the ball rolling. Have you seen the pages and pages of complaints against this company, they are lawless and need to be taken to task for their abuses. The courts are actually allowing them, a debt collector, to foreclose on innocent homeowners, this HAS TO STOP and i intend to fight them tooth and nail anyone want to join me? Enough is enough, you don't need to pay this servicer as the loan and trust were paid in full and the Pooling and Servicing agreement were more likely than not, timely submitted, which means that any assignments after the date of placing into the agreement had expired anything that follows that date is null and void, I can almost guarantee you that if your loan is a part of a securitized trust, it was paid in full and null and void. I had a Bloomberg audit of my loan done and so can you, if you're interested in either above referenced answer to your present mortgage problems please email me at d.[protected]@yahoo.com and i will provide you information.

Nationstar lied to me after applying for a loan medication ten times, they ultimately denied my loan mod. application stating that the "owner" bank of new York mellon did not wish to participate in doing loan mods and we have to abide by their wishes.
I wrote to the "owner" bank of new York mellon and asked the why not, to which they replied, we do not own your loan and are trustees for a CWMBS and as such have no right as to how your loan is modified or disposed of.

I sent a copy of this letter to Nationstar and they answered me by stating that the Bank of New York Mellon was and is the owner of my loan. I sent a debt validation letter asking for the name of the true owner, whose behalf they are collecting payments on and they again, stated bank of new York, mellon. Now they informed me that my loan had been sold to us bank who wrote to me stating that they too have no ownership in my loan and are only trustee for a trust. I keep asking everyone who the trust is, but no one will provide me with an answer.

I intend to sue Nationstar for every dime they ever collected from me on unsecured, unowned debt, RICO violations, mail and wire fraud and personal injury for not lowering my loan payments.

Nationstar is the most abusive inept company I have ever had the displeasure of dealing with! They had me submit over ten loan modification applications only to be told I was denied because the owner did not wish to participate in doing loan modification and we have to abide by their wishes. I wrote to the proported owner and asked them why they wouldn't modify my loan to which they wrote back, we do not own your loan and therefore have no say in the modification or disposal of your property! I am still dumbfounded as to how they ###--oles think they are going to expect me to just take this lying down? They are misrepresenting a debt that is unsecured, no owner, no loan!

In early March 2016 I received a refund check for late charges that were collected on a loan (#[protected]) while a bankruptcy was pending and finally discharged. The discharge order was entered in 2006, ten years before the refund was issued. In addition the balance on the loan was paid off in 2013.

The check was issued in the name of myself and my ex-husband, we divorced in 2005. When I called to request that the check be reissued in my name only they requested that I fax documentation of the divorce order that awarded me the property in question. Which I did. The document clearly states that interest in the property should be awarded to me, who should pay all encumbrances and debts and hold the other party harmless therefrom. It seems reasonable to me that this legal document would be sufficient evidence that I have sole interest in the property and that I alone would have made all the payments.

It has now been two weeks since my initial contact concerning this matter. Initially I was asked to allow 7 to 10 business days to allow the research team to investigate the matter and to call back. When I called back I was informed that the research team was still working on the case and please allow them more time and to call back, specifically 4/6/16. Today I called back only to be informed that unless I can provide bank records proving that I was indeed the one who made the payments they would be unable to process my request. This raises a couple of questions: who keeps ordinary bank records that long and who else would have made the payments? After 40 minutes on the phone I was finally connected with a supervisor who's only response was to allow her three more days to research with the accounts department if there are alternatives to handling my request.

This seems like a simple matter. I overpaid and should be issued a refund. Indeed, this should have been resolved YEARS ago. If the roles were reversed you can be sure that in addition to what was owed I would also be responsible for late fees and interest. Perhaps Nationstar should be held to the same standard. In fact if in three days this is not resolved I believe I'll contact my attorney, I am apparently not the only one whose account has been handled so poorly.

Our mortgage was moved from Ocwen (let's not even go there) to Nationstar. All started fairly well. Then about 4 months ago, the letters, emails and phone calls started about: do you need help paying your mortgage? your payment is late!
Mind you, they provide a grace period till the 16th. I pay electronically to arrive on the 16th. The calls/emails/letters start on the 2nd of the month.
I called to request if I had ever paid late and was advised that "there had never been any late charges posted"
This truly borders now on harassment. I did talk to one American in customer service who advised me to let them know EVERY month that I will make my payments on the 16th. Do I have time for this...NO
I only have 8 payments left to complete this mortgage.
I would never do business with them if I were to need a mortgage.

[protected]
Again today I have gotten (also yesterday) an automated call telling me I've missed months of payments. Not true. I underpaid this month because I thought my payment amount already adjusted. when I FINALLY got to talk to a real person for whom English was not her third or fourth language, I was able to rectify the situation with an online bank payment of $130. Yet the calls keep coming. Nationstar is a harasser of its mortgage clients and provides horrible service and inaccurate information. Avoid Nationstar at all costs.

On February23, I received a letter from nationstar mortgage, it was a check for 677. And some change for overpaying in escrow and I went to my bank and deposited the check into my checking account and then on February 26, 2016 I called my bank, to get a balance and they told my I was in overdraft and I was furious, because they said that the check had bounced, we are in bankruptcy and they send us a check and now we are in overdraft because they gave us a bad check. We are going to let our lawyer know about this and action will be taken...

That is not right.

Reuben James Lara

Twice within a year or 2 I tried to refinance my 8&5/8% . Each time it was because they sent letters saying they wanted to refinance # [protected] (20918 westgreen ct. Tex. 77450), but both times decided, though lease was prove in place, rejected because I didn't satisfy their criteria of money in the bank. For over 15 years I had paid early or on time, but disrespected my loyalty. My real complaint is the enormous amount of time (@ least 3 months each) & all the documentation I paid to have faxed each time, just to be told they looked over & only could comply if I'd deposit a home equity in the amount of $6000., Knowing I have a home equity good for $28, 200. I wasted time & money on an excellent pay history . And each time I had to contact them to find they were rejecting a refinance to lower the existing . Never did they make acceptable contact. Then I get another offer to refinance!?!?

I pay off my account with Nation Star December last year. Since I am not longer a customer I have been trying to contact them in regards my year end tax statement. I have called them 3 times so far and always all of the sudden something is wrong with their system and they ask me to call back in an hour. What kind of service is that? They system socks!

I requested and rec'd a payoff quote good through the 30th of the month. I paid the quote in full and it was rec'd on the 11th by Nationstar. I was told the per diem of $0.62 would be automatically refunded within 30 days. This did not happen. I made several phone calls the next month. I spoke with "Richard #47279" on the 21st of the next month and was told there would be two separate checks issued and to call back in a couple of days that I could check the status. I called on the 23rd and was told the payoff was short and I was not due a refund. The supervisor I spoke with "Paul #750700" was rude and refused to honor the payoff quote. This company is crooked. Even though this isn't much money, and I am thankful for that, please everyone be aware that this company is crooked!

My mortgage was recently transferred to Nationstar Mortgage. We have NEVER been late with our payments since purchasing our home 15 years ago. Since Nationstar took over, we receive repeated telephone calls and hang ups from them... if you don't answer, they don't leave a message. When I answer the phone, it is ALL AUTOMATED. thanks for wasting my time! When I call back I'm requested to enter my social security #. When I finally have someone to talk to, and ask for a supervisor, I get put on eternal hold. literally no one eve came back on the line. talk about harassing phone calls and for no reason. My mortgage payments have been made on time, never late, before or since we became Nationstar Mortgage customers. we had not received a bill from them so we continued to pay online to ocwen, who informed us that our payment would be transferred to nation star. not so... apparently. their reps have no idea what we are calling about! it's great that you don't have a say in who buys your mortgage... when you call they identify as a :collection agency" great!

These guys are awful! Called to simply remove my name from marketing lists and 4 separate people sent MD to hold recordings or hung up on me or gave me the wrong number to call. It took an hour of wasted time. The 5th guy finally did it and then told me my name would no longer be marketed after 30 days. I pointed out that the written notice from this useless company said they wouldn't START for 30 days. But he said that was wrong and the policy was they market immediately and won't STOP for 30. So. Lousy service. Put you on hold forever; and you can't believe what they put in writing.

I filled the form for mortgage in the company Nationstar Mortgage. I didn’t get any details from them or the mortgage number, but this company wanted to get the payments from me. I didn’t want to ruin our deal and have sent the payment to this company. Unfortunately, the company informed me that they haven’t received the payment. They resolved this problem within 2 months and said that I didn’t have proper insurance, which was untrue. Be aware of them!

My mortgage servicing was switched to Nationstar from EverHome (not my choice). I sent the first payment directly to Nationstar. I registered online at the Nationstar site to get access to my account. The details were all there, except for the payment (after the due date, before the end of the grace period). Concerned about unjust late fees and credit reporting, I tried for days to get a hold of someone. The main number could only say "call back during business hours" - this was during business hours. Long story short - I have not spoken to a human to date. Fortunately, the system finally registered the payment (retroactively), so there's no problems now with my account. But "superior customer service" doesn't begin with completely ignoring your customers.

I was told I would be getting $600 cash out on my refinance. I got $80. The mortgage guy said "the numbers changed" after the paperwork was turned it. How does this happen? How do I sign a contract on what I'm paying and receiving and they change it after it was signed? He said that sometimes that happens. I should have been TOLD that "sometimes that happens" when I signed that papers - like "by the way, we might not hold up our end of the agreement".

BOA did a transfer of servicing to Nationstar when they had NO legal right to do so, as my Mortgage pkg. Papers stated plainly that "We MAY NOT sell or transfer this loa_ . (I put "loa_" because while the actual paper uses the full word, your site will not allow me to use the whole word.) I had that to protect me from going thru a MESS like I did in 1978 and in 1993. However, they do NOT care abut obeying LAW! And they went ahead an transferred it anyway! I had a PERFECT pay history from Dec. 2010 up to May 1, 2015, when BOA failed to abide by our AGREEMENT for BOA to do a recurring payment on the 1st of each month out of my BOA checking account. They are required by law (US CODE 2605 -regarding mortgages) to give 15 days notice before sale or transfer, and Nationstar is required to notify me no later than 15 days after the transaction! Neither obeyed the law! And I got a Foreclosure THREAT on May 30th - holiday weekend, giving me until the next day to pay over twice my payment ! (For more info - check out "US CODE 2605" - about law re: mortgages) After I later re-did the auto pay to Nationstar, with a separate single payment for MAY and another recurring one beginning with June 2nd, on JUly 28th I discover they took out over $100 more than what I authorized, on June 2nd, 2015 and did it in ONE payment instead of the TWO separate payments. In order to get my $100+ back, I had to refuse the whole payment, and I immediately resent the payment in TWO checks - one marked May and one marked June, and they were for a larger amount -$489.70. Then on July 28th, 2015, they sent me another THREAT to foreclose saying JULY payment was not paid - I checked online and it WAS paid on July 1st, 2015! They continued to deny I paid all the way thru Sept! Since the escrow part of my payment was not enough, I called and tried to talk to them about what it should be, and they refused to talk to me! So I added $30 a month. and went on from there - Then they decided my payment was even more than that - and demanded I pay more. They forget the LAW requires them to notify me in ADVANCE (10 days I think) AND they must explain in DETAIL what the increase is for. That is the LAW - and Nationstar again broke the LAW. They took out TWO payments on Aug. 4th, without my authorization, and they charged me late fees on every payment I made, even though I paid on time - and when I demanded they give it back, they claimed they were going to apply it to the Sept. payment - I said I needed it for food and gas for August, and they hung up! They never have applied that payment! When a congressman got on them, they sent a falsified statement dated 9-02-15, showing that there was $0 past due and NO payment due until Oct. 1st, 2015. They never thought congress would send me that statement! When I received that statement from congress, showing NOTHING was past due - that same day I got a letter from Nationstar saying that My Sept. payment was not paid and I was in DEFAULT, and again they THREATENED to foreclose. I was holding TWO papers from Nationstar - one said NOTHING was past due, and the other said I was past due for Sept.! Then 3 days later I get another letter from Nationstar saying I am past due for Sept. in the amount of $90, and another THREAT to foreclose. Remember, sending a THREAT in the US Mail is a FELONY! Each one is a felony. If I had actually been behind, legally it would not be considered a threat, but because I was NOT behind, it IS a THREAT! I intend to prosecute fully for EACH threat! When I called Nationstar and asked why they took my payment off my account, they asked what I meant, and when I referred to the Sept. 2nd statement showing NOTHING was past due, they almost shouted, "Where did YOU get that statement?" That told me they never intended for me to see that. They stated they took it back off my payment history, "because we thought we might need it later." That is ILLEGAL, and they illegally charged me a LATE fee - it was paid on AUG 4th, a month early, so why a late fee? They refuse to talk to me when I call, and they have "blocked" me from accessing my mortgage account online - this is illegal! I am 74 years old, and I have a special needs child still at home, and because of all this threatening, etc., I have not gotten more than 2-4 hours of sleep since the end of MAY - 6 months! Do to this stress, I had a mild stroke and fell down a flight of steps injuring both knees and both shoulders, I had to have surgery 10 days ago to repair the damage. I have contacted ALL of the appropriate agencies and NO ONE thinks either BOA or Nationstar really did much of anything wrong! If our TAX dollars are spent to have LAWS made, then by golly, enforce the laws and punish the wrongdoers - if YOU and I break the LAW - WE pay a penalty - why are the banks and mortgage companies allowed to get away with breaking the law over and over! I am trying to get a class action suit against BOA and one against Nationstar - if you are interested in joining in the fight against these wrong doers, [protected] is where you need to call, they will take your info and add you to the list. We cannot win if we do not fight, and we cannot lose if we refuse to quit until we win! I want all payments applied as they should be, all extra "fees" removed, my record CLEARED, and not one more mistake on their part. They should be required to pay for my medical bills, and the PAIN and suffering incurred, and more . . . . . If I "accidentally forgot to make MY payment for May, June, July, August, Sept, and Oct. - would they say, "Well, she did not mean to not make those payments, let's just go on and forget it.?" That is what all the "Enforcement agencies" told ME about Nationstar and BOA . . . . Many of my documents will not upload due to wrong format - I can e-mail or USMail them to you.