Mr. Cooper
reviews and complaints

Same thing has happend to me. When with GMAC we had no problems. When it was purchased by Nationstar, the problems started and have never stopped. Like You, I have had insurance for years with the same agent. We did not have an escrow account when we took out our mortgage. They arbitrarilly set up an insurance escrow account saying that we didn't have insurance. It has been a year and a half and I still do not have this settled. As a matter of fact today I received a notice that they have tacked on $250.00 worth of late charged. I have just finished a telephone call with them, one of about 1000. This is horrible, something has to be done with these jerks.

This has been a fraud from day 1 I'm telling you this is so much $ thrown into these lenders hands on top of your agreed HAMP payment.Tell me YOU DON'T THINK SOME OF THE $ AIN'T FALLEN [BY ACCIDENT I'M SURE]RIGHT DOWN IN TIMMY GEITHNER AND SO ON.You know damn well to lead people on for 7, 8, 9 months then, then, I mean then on say the 7 month WE NEED PROOF OF 9 MONTH UNEMPLOYMENT SEE YOU CLAIM RUNS YEARLY AS MOST OF YOU NO THAT'S THE REASON THESE NO GOOD DIRTY ROTTEN POLITICIANS AND BANKS NEED TO GO WHERE THEIR CROOKED [censor] CAME FROM HELL YOU NO I HAVE VOTED ALWAY'S DEM FOR 20 YEARS AND I NO NOW IT'S NOTHING ABOUT MIDDLE CLASS IT'S ABOUT ME PEOPLE OF AMERICA IT IS LOOKING LIKE NO WIN SITUATION HERE

The Gov't. appears to be covering for these fraudulent lenders. Nothing is being done. I was told that the reason foreclosures are skyrocketing was because the lenders were actually profiting from the foreclosures. Say there is a 400, 000 home...it is sold at auction for 200, 000...Aurora is paid 200, 000 and then the Gov't. gives them a bailout of 80% loss...should be 80% of 200, 000, but instead it is 80% of the total original price 400, 000 = 320, 000. Well they just received 200, 000 at auction and now will receive 320, 000 = 520, 000 THAT'S A MAJOR PROFIT! THIS IS WHY FORECLOSURES ARE GOING THROUGH THE ROOF. If this isn't fraud...with the approval of our ignorant government, I don't know what is.

Join our Facebook page! People Against HAMP!

These lenders (Wells Fargo in particular) are taking advantage of the HAMP program by deceiving customers. They literally lie throughout the entire process so that they can make money off of your foreclosure. The mass media needs to get on this! This is fraud and it is happening to thousands of people nationwide! They put you on a "three month trial" they tell you to if you continue making the modified payments and submitting your paperwork you will be approved for the mod and done. Throughout several months to even years they string you along telling you to just keep making your payments and we will get you on the mod. They did this to us for 10 months, constantly losing our paperwork. They tell you their will be no fee's while you are on the program. What they fail to tell you or simply lie to you about as in our case is that after the 3 month trial period they put you back onto your original payment - while you are making modified payments that they tell you to make they are tacking fee's and penalty after penalty. You find out (in our case $40, 000 later) when you get the sudden foreclosure notice on your door that your loan has been penalized the whole time you were supposed to be on a modification. They then tell you you have been kicked off your modification and you have a few weeks to vacate your home, when it goes to auction. They auction your home at a fraction of the price owed and then are reimbursed for the remaining amount by the government. They then come after you for the back fee's and penalties after everything you have gone through. They are taking advantage and making money off foreclosure's, the more money they get out of the loan, the more money they make from the government. The gov. is encouraging and supporting this. This is pure, outright fraud by the people that are supposed to be protecting us! These lenders are pure criminal. This needs to stop!

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 need help with my Aurora loans services problem! I live in Lompoc, CA and want to know if any class action suit is happening in the state of California? I read several complaints that are carbon copies of our complaints. They lie and say they did not receive paperwork for remodification of our loan and we have faxed the same paperwork many times and they said never received them and setup a payment plan through Western Union to pay cash 1st day of month and said they would remodify if we paid and we did now they sent back our last payment denied and we found out our house is in second phase of foreclosure ? We did not receive any certifyed mail about this nothing printed in local paper about our house forclosing and no notice on door about a foreclousre? How can lenders get away with this and destroy our lives? I am really struggling right now, really over and over about committing suicide if I lose my house. There is no answer for me at this time why people can be so evil and sleep at night for giving us hope and now taking it away. I am 51 and and work hard for 33 years only to lose everything including my beloved companion dogs to this crisis. I know it's a coward way out but I can't take anymore of this ###. My name is Cindy Ghrist E-mail cindyghrist@yahoo.com

Does anyone know the outcome of this case? Please post link if you have it. Thanks.

We are looking at this theory in my California office. I'm looking for a handful of test cases. But the key to serving the individual homeowner is not naming the government and litigating under CA state law. The application of third party theory varies in each state. California is a state where this approach could work at least for injunctive relief for the individual who wants a fair shake under the HAMP guidelines. For more details on how state courts may vary in the application of this theory, see this article:

http://www.nsclc.org/areas/federal-rights/third-party-beneficiary-claims-recent-cases-against-private-parties-and-local-agencies/at_download/attachment

J. Arthur Roberts, Esq.
HomeLawLawyers.com

First and foremost we protect your rights. We represent you in either the Foreclosure defense, Loan Restructuring, Bankruptcy or Short Sale. We negotiate with your lender and attempt to get you into a mortgage payment you can comfortably afford without having to refinance. We represent you to make sure you're getting the terms that meet your needs. http://www.u2can-consolidacionenmiami.com

FILE A COMPLAINT NOW! This State Department is responsible for issuing them a license. They are in the process of investigating them.
Kentucky Department of Financial Institutions
http://www.kfi.ky.gov/complaint/

I have been working on my MHA plan since Aug. 2010.
Nationstar morgage lost my documents. Never even
told me til I called to see how it was going. Well it is March
2011 now. After sending numerous documents, bank statement, etc.
I called. DENIGNed! Our income is half what
it was when we first bought the place. I was told the denignal
was because I was not behind on my payments. Yet I do not
make enough to refinance. Already tried. Now I am on food stamps
and credit cards. Nationstar bought out GMAC. And they are
a debt collection agencie. So even though I have never been late. I
basically feel like I am in debt collections. The first paper work I recieived from nationstar said if I was more than two month behind on payments they would start forclosure. Not only that. They send late payment notices when the payment has never been late. So much for OBAMA's PLAN. Just the
same ole run around... Has anyone ever gotten a MHA modification
that worked? I have only heard horror studys...

Thats where I am now. I don't understand and can't seem to find any one who can help. Nothing makes any sense any more.

OMG! This is my exact story, I'm unemployed and on my second round of trial payments with nothing in writing. My attorney has spoken to their attorney and is getting lost in the maze of attorneys for Nationstar. My Congress woman (Marcy Kapture) put in a request for information on my behalf... the company's nice to me, saying they'll stop everything just send more copies of the paperwork I've already submitted 4 times and don't forget the payments. Nationstar has it on the auction block for Aug. 12th... I'm currently getting ready to file bankruptcy and am wondering if I need to include it. I can't go thru bankruptcy to have Nationstar come after me for the remaining amount they didn't get from the auction.

I have 65 emails documenting almost every conversation and their lies, along with names, direct line numbers, fax numbers and occupation within the company. If we are starting a class action law suit... please email me mmlaporte at yahoo dot com .

This company is ruthless!

i went throw the same as you they told me to keep making the trial payment i make the payment for 6mo and they approved me for the mod which went back to the same payment i was making they are the ruthless companies

Contact The Law Office Of lets Start A Class Action
Kaufman Englett & lynd
[protected]

Get an attorney! Run! I entered into a government-sponsored "Home Affordable Mortgage Program" loan modification with NationStar in August after a reduction in income and falling behind on my mortgage. I paid every payment on time as stipulated in the 3-month trial period and was told I was going to enter into a 5-year loan mod program. All customer "dis-service" reps I dealt with were young kids, rude, obnoxious, talked to me like I was an idiot, never got straight answers. After completing the trial period and still making payments, I received a notice of impending auction from NationStar's attorneys in January. When I asked what was up, NationStar informed me they had decided to "extend my trial period - but just keep making your payments". I wanted it in writing; they refused. I called their attorney, who sounded surprised and apprehensive when I informed him of the loan modification. Talked to NationStar again; they told me my house wouldn't be sold, gave me "another couple of months of the trial period to make sure you get approved". Still nothing in writing. I finally contacted the court and learned my house was scheduled for the auction block in a week. I filed an emergency motion to halt the sale, which was denied. The sale was stopped, but only because the ###s didn't pay the proper court fees. I then learned they had foreclosed on my home a full month before, and every time I spoke with them or their attorney, they blatantly lied, knowing full well my house was already foreclosed on but kept telling me to "keep making your payments". I retained an attorney immediately and learned this is the new scam - The government gives these banks a mere $2000 per loan mod. It's much more financially lucrative to take as much from you as possible, give you a false sense of security thinking they won't foreclose, then they do it behind your back. Most people find out after the sale has taken place, after the 10-day period to protest the sale has passed, and only when a sheriff knocks on the door with a notice to vacate. They have no money after making their payments in good faith and basically are screwed! Then the banks buy the house back for $100, sell it and come after the foreclosed homeowner for the difference between what you owe and what they sold the home for. Basically, it's a racket and another financial rape of America. People are wondering why the foreclosure rates are not going down with the government's program available - this is why! They are ruthless thieves! Well they messed with the wrong person. I've filed a motion to reverse the default judgment against me, and I'm going to sue them for emotional, psychological and physical distress. I'm not after money - I want them to know they can't do this anymore! Someone has to speak up! I'm writing to congressmen, senators, even President Obama himself. My attorney said that NationStar appears to be one of the more aggressive and ruthless of the banks and mortgage companies he's seen carrying out this "bait and switch" scheme. Don't let it happen to you!

My home insurance company asked me for Mr. Cooper's fax number and, if it is on your website, I couldn't find it. Why the big mystery? Other companies include easy-to-find fax numbers with their contact information. All I get is a customer service phone number and it does not show up in google searches. If there's a reason you deliberately exclude that information from your website and email notes, I'd like to know what it is. Yours truly, Lena Fried

Oh where to start. My home owners policy was bought by Nation star Oct 2016. My home owners insurance policy was due for payment Nov 16, 2016. They NEVER paid it, and my insurance was cancelled. I was not notified of this matter until Feb 2017 when I received a letter from Nation star that I had no hazard insurance. I called and spoke to Aaron, he stated that they did not pay the bill because there was not a receipt to send in with the payment. Just that they received that it was due. They are to LAZY to pick up the phone and do there job and request what information that they needed, so instead just said "Hey we just wont pay it". So now I was instructed to find new insurance, which was not cheap because I had went past 6 weeks with out it. My originally policy was $1039 my new policy is $1749. I was told by Arron that they would pay the difference and all that would come out of my escrow is $1039. Well guess what, that was false the full amount came out of my escrow. So I called Arron back he said he would escalate to get this resolved and get me a refund issued. June 2017 my mortgage was sold again to Round Rock, because of the screw up on Nation star end my mortgage went up. I have called Nation star every week for months now and the incompetent employees just keep telling me they will get it escalated to the Research Dept. They state that there is no phone number for the Research Dept and that all they can do is email. Total crap! Every dept will have someone that you can contact. I have reported them to the BBB and about to send them to small claims court. This has been going on since Nov 2016 and it is now July 2017. I just want the refund that is owed me from Nation Star! NEVER USE NATION STAR, IF YOUR MORTGAGE IS BOUGHT OUT BY THEM CHANGE IT IMMEDIATELY!

Our mortgage was sold to Nationstar by GMAC mortgage and that is the worst thing that ever happened. Times are hard for everyone right now and those idiots make it worse. I paid our mortgage payment online or over the phone evr since they got our loan. They charge so much to do that and now since they don't credit it when they automatically take it out of our account, they are slapping $50 late charges on us. They are doing the same thing to my mom and dad that got stuck with them too after GMAC sold out. They say the "grace period" is at their decrection and that if the payment is 1 day late they can nail you with those charges for each day which is ###. My husband lost his job and I got hurt at work and have some workman's comp coming in but they won't work with me and keeps sending dum ### notices about that bail out ### that would make us lose our house anyway. This is crazy and we don't know what to do now since it seems like we can't get a new loan by someone else to get the hell away from Nation SUCKS!

Frustrating, my mother has applied for the loan modification program since Feb, 2012. All the information has been provided but the first time they denied and said they never received the full package with the info! We have confirmation of Fax, that were sent.

1.Second time around send all the info, and received denial on August 8, that she did not meet the HAMP Guidelines.
What do you need?
2.Apartment worth less than Mortgage
3.current 6.25% mortgage
4.We have to provided money for food and medicines and clothing and part of the mortgage and maintenance. Because Medicare and pension are not enough to survive. My father died 6 years ago and that income is not there!
5.The maintenance on the condo has doubled $ since they purchase the unit!

Is there some kind of help, maybe reducing the rate to current rate 2.0- 3.0%? with no closing costs for seniors!

Our load was sold be SunTrust to Nationstar, although SunTrust wasnt that great Nationstar is worse. We got one payment behind a few years ago when we were with SunTrust, they basically told us to not pay on our account for 3 months and they would put us on a loan modifacation, what a nightmare it has been. They tacked on so many fees the loan went back to the orginal loan amount. They lost paper work, added ungodly fees to our loan for inspections that were no more then them coming by and taking pictures of the house which we phoned in to complain about because our kids are running around in the yard. Lost records of payments and such. We are damn neer ready to walk away and they can shove this house up there A$$...

I' ve been trying to get my mortgage modify through the HAMP program since Decemeber 2010 with nationstar mortgage. I had to send the same application about 9 times. Everytime i sent it they aid they haven't recieved it now since june everything seems to come togather i started making my three trail payments. Successfully i sent two with no problem. I sent the 3rd month with my paper work to ensure that the loan has been modify. Now they claim they haven't recieved it, and trying to get me to do it within the company inhouse finance with them but they still haven't found my payment which was with my final documents. Some one please investigate these people because ain't no if, ands, nor uts this company poses a red flag

About a year ago my mortage was sold to Nationstar. This has got to be the worst, most unprofessional company I have ever delt with. Our payment is due on the first, if they do not have a day or two prior they are calling my home phone, my cell phone, my wifes cell phone, all hours of the day and night. Sometimes 9 and 10 at night wanting there money. Its like dealing with the Mafia. They will not work with you on anything. I have, or should I say had an 800 plus credit score and never had any issues with any other loan carrier, I fell behind about 2 weeks and was told that my credit history does not matter with them, I have no credit because I am a new client. I did not ask to be sold to Nationstar. As much as I dont like Citibank I would love to be back with them. Do not deal with these people. You would be better off doing without.

We had a fire at our home over two years ago. State farm is our insurance carrier. They absolutely have treated us in such a way that you would think is criminal. They set us up with rip off cleaning crews that have stolen and lied to us. They are all in 'bed' together, from the adjuster to the general contractor they 'suggested' we hire. After one year, the contractor finally got started on rebuilding our house! Then after two years, state farm was cutting us off from our rent supplement and telling us our deadline was up to be repaid for replacing lost personal items. . . Yet: they had not paid us back for the items we had submitted to them on their claim forms a year prior!... We had to pay over $350, 000 out of our own pockets to get the construction going. Now, the house is almost done, my savings are drained, our adjuster is non responsive and down right abusive when he does finally return a call or letter. Someone needs to know how state farm treats people. We have been abused so badly, I could write a novel. But, the main thing is that everyone needs to know that state farm is horrible... They should be punished. It is so unfair. If a judge could hear our story, I know he would side with us. The public needs to know our story.

I could not agree with you more! You definitely summarized NationStar very well when you said they DON'T CARE. I have yet to have a manager/supervisor call me back. I have never dealt with a company as unprofessional as NationStar. And the general attitude of most of the representitives is the same: CONDESCENDING! I feel for you and I really hope you got refinanced with someone who will at the very least act like they care. Good luck!

There is a mortgage expert that was in the mortgage servicing industry for about 20 years and is now consulting with homeowners through his own business Wyatt Consulting Services. His name is Chris Wyatt. He can review your information and provide you with guidance to assist you with your mortgage company. He can be reached via email at wyattc71@yahoo.com.

Everyone,
If you are trying to get mod, here is the link with lots of info regarding homeowners who try to get mod with lenders;
http://www.loansafe.org/forum/loan-modification/index2.html
Found this a week ago and gained lots of information from other homeowners. Not many using Nationstar but I am using Nationstar .. so share your story and experience here.
OFC

Agree! they are rude to their customers. Our loan has been sold to them from flagstar last month and I am pretty nervous as we need help in modifying our loan.

Everything you mentioned about Nationstar Mortgage is true! You forgot a few things

1) Housing Discrimination - by disability
2) Mortgage Fraud
3) Wrongful Foreclosures - and they are representing Fannie Mae? Who is using taxpayers money to "disqualify" people illegally and mis-represent the "making home affordable" program. OBAMA's FAILURE
4) wrongful and misrepresentation of the Making Home Affordable Program by both Nationstar Mortage - Specifically David Cardenas and Michael Graham of NationStar and Fannie Mae.
5) Wrongful Evictions

Share YOUR FACTS and experiences with Nationstar Mortgage right here!

Trust in God, and Turner Broadcasting CNN is Watching!

Yes, they made us pay flood insurance when FEMA sent them documents saying we were no longer in the flood plane. Our attorney is handleing this now.

Tracy, Oregon, OH

I feel your pain. We were atempting a short sale in which they were the mortgage holder. We made and bid ans thought things were moving. The arbitrator came back and said there was a certain number the title company had to have to make the sale. So we increased our bid to meet the arbitrators number. One strange thing happened that I have never heard of or had happen before, they would not process my bid unless I filed a loan applicaiton with them. Of course this means they will and did check my credit. Nationstar finally made an official counter offer. The arbitraitor they wer using raised our initial bid by 13K, and after they received my loan application, Natiostar jacked up the price on the home another 13K! That was 26K above what the home was listed for with the realtor and put the cost at the price of brand new homes in the area! Incidentally, I was infomred by the bank I had actually planned to use that the new price was right at the limit of what I would be able to borrow based on my credit. Coincidence, I THINK NOT!

FILE A COMPLAINT ON NATIONSTAR NOW! This State Department is responsible for issuing them a license. They are in the process of investigating them.
Kentucky Department of Financial Institutions
http://www.kfi.ky.gov/complaint/

When I first came to Nationstar I was told that they would help me with my credit score would go up. I had hurt my back and was off work but still payed my mortgage on time. But because I had been off work I had some credit cards that had went bad so i wanteted to fix them so all I wanted to do was do a equilty loan well they really stuck it to me because now I still have cards coming after me they even used my husbans wrong social security number they said they would fix it but there is no way they did that because they are still coming after us and I asked well could we have paid off someone elses bills they said oh no but if we did not do that then why are we getting collections from ten years ago I think in need to file a laysuit when my husbun lost his job they said they would work with us but at this rate we will be living in our car I know I have payed late but i have two girls in collage and three kids home I work and so does he and at 10% we are hurting I hate paying 400 thousand for a 80 thousand home one person told me one thing and someone else told me something else but you know what I stil have the phone conversantion so looks like court for me

I to have never recieved a statement since the loan mod. 6 months ago

(((FOR POSTER ABOVE))) Mica, without going into details, ie personal info, I did contact them in December of 08 and talked directly to them without a lawyer/or other 3rd party. Had a negotiator for 3 months until she flat out told me she wasn't able to help because she had to take 250 defaulted loans ahead of my loan mod. This is when I decided that I was going to have to default as well to get there attention. Once the notice of default arrived, I had already setup a lawyer to handle this from here on out...Ya know what, ya kinda sound rude with your comment anyways, pretty much like the customer service for the lenders..hmm anyone else smell a SHILL!

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!

How did you contact David Cardenas, or Michael Graham? I am trying to get in touch with them, but there is a protective firewall .. Please let me know. Thanks

Mame respectfully ----- I been through and still in so much of something simliar...I pray for you!
I can tell you NOW that you need an attorney - try Lone Star Legal Aid, also call A.C.O.R.N. then call your Senator, Congressman, etc. BUT YOU NEED AN ATTORNEY, it takes months to get a pro-bono attorney.

The health related issues and the laws might describe a "discrimination" of fair housing based on disability. Your story also has hints of wrong-doing in other areas. Consider filing a complaint with H.U.D. if your situation fits discrimination. Who did you deal with? Was it David Cardenas, or was the supervisor Michael Graham?

Your situation and timing is dire...I hope I helped you some. Are they telling you that they will NOT foreclose on you, but did? That is called "wrongful foreclosure", at that point you have to file a "title dispute" in federal district court prior to any eviction hearing. Also Conduct a Forensic Audit of your loan and subpoena all phone recorded conversations from them to help prove your case. Research that statue as it pertains to the American Home Recovery act of 2009. Did they offer you "principle foregiveness"? Also write to Senator Kay Baily Hutchinson, and see if you are able to file a complaint with the Department of Justice! Have you considered a Class Action Lawsuit?

Anyone with Nationstar problems - please email me. freemikah@yahoo.com

Nationstar Mortgage = Class Action

breach of contract, lies in lending, wrongful foreclosure ...

ALSO CONTACT AREA LAW SCHOOLS for assistance!

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!

Aurora has also done the same thing to me. I have contacted my local congressman, both state senators, department of commerce and us treasury. I will be gathering and sending my info to my state attorney general. I am working with my local HUD rep to hopefully resolve this issue. They too advised me to contact many of the people I have already contacted. I would love to take these jerks to court! I know of at least 2 other people who would also love to do the same thing. Contact email for a possible class action lawsuit is: justice4people@sbcglobal.net. I emailed them today. Do the same and let's do this!

Aurora Loans has done the same kind of thing to me. Aurora agreed to a forebearcance agreement with me, I made payments on time as per the agreement andf Aurora then foreclosed on my house anyway. They gave no explanation and will not take my calls as to why they foreclosed even when they had cashed 6 monthly payments that were made on time. I had paid the 6/09 payment and Aurora foreclosed on me on June 15th...a full week AFTER they cashed the 6/09 payment. I too would love to sue Aurora in a class action suit and I wonder if anyone else has had a similar experience. my email is kkumetat@hotmail.com.

OMG This crap is really happing to other people... Enough already... OMG People where do we get help to address this problem? Who oversees this financial monster, pimp and gangterous organization? we need to get help to correct this from happening.

GMAC sent my mortgage for loan modification. It has been a nightmare every since. Go to www. consumeraffairs.com and read all the horror stories about NationStar mortgage. My home insurance is current with GMAC and NationStar said I have to pay an extra 126.00 because my insurance had lasped. My atty called NationStar and they lied an said my insurance had lasped in order to charge me a higher rate.

My loan modification has been through good faith agreement four times. I completed the first one and made the first payment on the second, third one they said was sent in error and the fourth one which I am paying now has put me back to the original amount with GMAC. from a fixed rate to a variable over a five year period. i was told my taxes and PMI would be included now they saying it's not so I owe them that money too.

I was current with my payments. I only needed to miss one note on the end. I was told by GMAC to become delquelent this is the only way I couldmiss a note and not worry about catching it up later. Therefore, I followed their instruction. Now I am in a great big mess.

No, it is unacceptable that a firm sends out multiple erroneous notices to its customers saying they're late when they are not. I have autopay for god's sake. I dont need the heart attack in the middle of the month for no reason. What we have here is this; a clear sign of mismanagement of a business its internal business practices and operations. WE ARE THE PAYING CUSTOMERS and so we deserve a coherent administration of our mortgage loans and better quality of customer service. Wake up bobbieb cowboy, this aint just a rodeo. We live in an age of almost complete automation, and it better be damn straight or the firm doesnt deserve my business.

Gee, maybe if you people would stop ### and notice that there are numerous people that received the notices, just MAYBE it would dawn on you that it was an error. Also, what else do you want the person to say to you, you ARE behind when you're not? come one people, lets think logically...if you pay on time, you have an actual monthly statement showing you current, then maybe it was a mistake. I was treated very kindly when I spoke with Nationstar and was told it was an error and I'd be getting 1-3 of the notices. Okay, tough mistake, but again, it was a mistake. How many years are you people losing off of your lives for your negativity. I sure hope nobody in your lives make mistakes because apparently you refuse to let it go

Our account was sold to NationStar in October 2009 and we were immediately sent notices that our account was $4000 behind. We had never missed a payment with Flagstar. We called to find out who they were as we were not even aware that our account was sold to a new company (I was hoping it was a cruel joke). We wanted clarification why and how they decided our account was $4000 behind and they said not to worry to go ahead and continue to pay our usual payment as they still did not have all of the documents in order from our old mortgage company (we continued to pay our $1981 payment). Finally, in December of 2009 Nationstar sent us our mortgage statement and our payments went from $1981 to over $2600 a month. I called and asked what was going on and they explained that taxes went up (they actually had just gone down) and I would have to deal with the escrow department. I spoke to the escrow department and they said that Flagstar did not handle their accounting properly and so in order for Nationstar to feel comfortable they upped our escrow account. Prior to Nationstar we always received $1500 a year back from our escrow account because there was always an excess amount of money left over. Not knowing what to do we payed the new amount until we became extremely frustrated. Realizing with the mortgage, HOA fees, and utilities we were a slave to our house and it wasn't worth the nearly $3000 month we were spending to stay in our very modest house. Finally, in November 2010 we decided to stop making payments and short sale the house... This was after asking to begin the loan modification process and paper was never sent. We had several offers and our realtor found that the all cash offer was best. She submitted the offer to the bank and they refused the offer 1 week before they scheduled the auction and said that they did not want to convert the paperwork from the realtor? Not exactly sure what that meant, the meaning could have been lost in translation. I have been told by a real estate lawyer that banks would rather a house go to auction because it zero's out an account and then they can sell the house and it appears as a profit to wall street. On the bank's books the short sale would have appeared as a $170, 000 loss. The house went to auction on Monday and did not sell as they were asking the original $330, 000. The house has gone back to Fannie Mae and we have been offered $2090 for the cash for keys and a move out date in 2 weeks. Nationstar is practicing predatory lending. We chose to let the house go instead of fight and lose more money and make this our life's mission for year(s). However, once the dust has settled I will indeed begin the complaint process with the state attorney general and who ever else needs to know.

We are having the same issue with Nationstar and our escrow account. We had GMAC and our mortgage was unfortuantely sold to Nationstar in 2008. Our passed few statements have increased by about $250 each month. They are saying we didn't pay enough into escrow in 2007 when I have the receipts to prove we did. They didn't even have our account in 2007. They are saying we were short almost $1000 that year which is untrue. Even if we were, an extra $250 each month is $3000 which is ridiculous! When we called, they said they needed 10 days to perform a tax evaluation. Its been almost 30 days and they say they are still "working on it." We can see that our escrow account has more than enough money it to pay taxes for the entire year and the year has just begun! We have even called our Town Clerk to verify that our taxes have not increased.We can barely afford to pay our mortgage now. There is no getting through to them. Even faxed copies of all proof of payments doesn't sink into them. I would like to know the education backgrounds on these so called "tax evaluators."

I would be the first to sign up for a class action lawsuit against Nationstar Mortgage. I have a fixed rate and my insurance didnot go up one dollar this year but I was told that my escrow account is 850.00 dollars short from last year causing my monthly payments to go up over 100.00 every month.The year before that it also went up 200.00 without any explanation why. When I inquired how that could be right I was given the run around and I still have not gotten a satisfactory answer.I didnot have one problem with GMAC and I have had nothing but higher mortgages with no real reason why, late notices when I have never paid late, and incompetent customer service people. I

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. :(

We are SOOO with you guys on this! Our mortgage was with GMAC also and sold to this fraudulent piece of S$%& company Nationstar. We deal with the same thing month after month. They are also charging us our annual taxes, which are to be taken out once per year (at $1300) and this stupid company is taking it out twice a year and they upped our mortgage by $1200. last year and another $840. this year... claiming that it is for extra PMI that is necessary. Now how the heck can your PMI go up when our homes are depreciating in value because of the government.
And just try to refinance through another company... they don't even want to touch your mortgage after listening to what you are dealing with with this company.
I would LOVE for some of us to come forward and file a class action lawsuit against this company. At this point they owe us thousands of dollars.
I refuse to call them any longer, because every time I do... more harrassing letters come in the mail. So my husband does all the calling, and it's usually a few times per week. Only to be talked in circles some BS story on why they are still "working" on our situation. Every time he actually gets through to someone he keeps getting told that they should have a resolution in 30 days. That's pretty funny being that he has been calling them with complaints for over 6 months now and still nothing.
I would NEVER recommend this company, not even to my worst enemy! I am trying to have faith that something good is going to come out of all of this headache and frustration that we are dealing with every single day.

AKAJBART@COMCAST.NET

Thank you for your complaint, Karen, it is sad but a relief to know that I am not alone in this nightmare. I, too, was sold to Nationstar by GMAC. I just received, on July 27, 2009 a letter from their "foreclosure prevention" department (dated July 24th) that they have not yet received my payment which is not due until August 1, 2009. The ironic part is that I did not receive my monthly statement until July 25th. Plus, according to my statement, a late fee would not be imposed until August 18th. I also find it amazing that my statement is dated July 15th and it takes 1o days to receive, however, the late notice only takes 3 days to reach my mailbox.
I have never made a late payment to this company, even though during the first four months with them I never even received a paper statement (backlogged paperwork, they claimed). It wasn't until I threatened to hire an attorney that my paper statements began to arrive (but in a timeframe that would never allow the payment to reach them by the due date) I have repeatedly requested to receive my statements in a timely manner but this request has fallen on deaf ears.
In addition, earlier this year, they sent me notices that claimed I had to "increase" my insurance coverage to match the amount of my loan - thank God I have an honest insurance agent who told me that I most certainly did not have to do this and that my coverage was more than adequate. She also told me that their tactics are illegal. My greatest concern is how many people have been "scared" into purchasing additional insurance through these tactics.
Finally, I noticed that in Wakulla County, Florida - according to the foreclosure notices in the Wakulla Times newspaper - that at least 80% of the foreclosure notices involve Nationstar Mortgage. I obviously am not the only person contending with this nightmare of a company. I am going to complain to our state attorney general but I can't help but wonder, isn't there an attorney out there who has the ability and the moxy to go after these vampires? Clearly, there are enough victims for a respectable class-action case.
Debbie Schnader, Wakulla County, FL db3222@yahoo.com

they have been driving me to where i filed bankrucpty and now they write to the court saying i am 4 or 5 months behind paying mortage payments then alway s have to lose a day of work to go to court its soo crazy they have been doing this to me for years and i can not deal with it any more i want to sue them and it seems like i can not get a attorney to take the case i want to file it but i need more then one person . nationstar which was centex, ameriquest they change the name all the time i am at wits end heading to court with them again in jan 2011 for the same thing, , , i am in nj sej

You may want to see if you can file a classaction lawsuit. Check with your state bar for attorneys that specialize in this type of litigation. It will be tough but we need to send a message to the financial institutions.

Good Luck!

I never had a problem with my mortgage until Flagstar Bank sold my mortgage to this sham of a company. My original letter stated the mortgage was sold. I never received an account number until after the 1st of October - when my mortgage was due! Then they said they would transfer my automatic payments - which they did not. Now they are saying I am delinquent on Oct and Nov and I am getting forclosure letters! This is terrifying to me and so unfair that these incompetent jerks have ruined my credit and now are threatening to take my house.

What's really fun is that while they state you can pay your "back payments" online the Western Union option doesn't allow you to do so unless you use their "other" option. Not only has my mortgage been sold to a bunch of incompetents, they possess technology for payment that was obsolete in early 2001.

I'm in Arizona, BTW.

They are many companies that are legitimate and can help homeowners stop foreclosure and keep their homes.

Mortgage Assistance Group is one of those companies that holds an "A" rating with the BBB and has help over 500 homeowners keep their homes.

They give a discount to the homeowners who have been scammed and treat each client with respect and dignity.

You can reach them at [protected] and at www.mag-az.com.

Thanks and good luck,

Randy D.

P.S. If you know someowner they can help, They will pay a $100 referral!

My mortgage was just transferred from Flagstar to Nationstar and from what I'm reading on here, I don't think I'm going to be happy with it! I already set up my online acct. with Nationstar, and there is no info there except my name loan number address etc. Only way to pay online is with Western Union, which would cost 6.95 for the cheapest. That's just not right, I'm a senior citizen, retired who relies on my SS and a few other funds, which are deposted at different times to my checking acct. so cannot set up an autopay. My taxes and insurance are also escrowed and I see on here that that is a problem with them too, I am now so scared of what can go wrong here! I now have an Oct. pymt due. But their website says there are no documents associated with my loan no. and if I were to mail it to them, wondering if they would know where to credit it to?

I received the same notices of deliquent or no payment received by Nationstar when I have never missed a payment. I too had a GMAC mortgage that was sold to Nationstar. I have spent more than an hour waiting for a customer service rep and no one has ever answered. Once I did get a person on the phone who said, "Don't worry, your account is fine" I could not however get an answer as to why I was receiving late notices.

I have considered reporting to a news investigative reporter. All former GMAC customers should demand GMAC resolve it because they sold the mortgages. Their customers should not suffer at the hands of such a bad mortgage company.

I'm willing to go with some kind of class action against this company because sadly I don't know if any individual can get anywhere. DGammans

My loan was originally sold to Aurora Bank (another horrible company, and glad they are out of business). In July Nationstar took over my mortgage. I had a re-payment plan with Aurora Bank and had made all my payments are per specified in the agreement. In July I submitted my payment to Nationstar as per my agreement & the payment was returned. According to Nationstar my account was in default and they started foreclosure proceedings against me without any notification. When I contacted them they had "tacked on" an additional $3, 700.00 in fees that they wanted me to pay. I contacted a lawyer who read my original agreement with Aurora Bank and he informed Nationstar that I was not in default and that they started foreclosure proceedings illegally. It has now been 5 months & no one from the Nationstar legal department will respond to my attorney's letters. I have the money to bring my loan up to current however no one at Nationstar will speak with me or accept my payments. I think it is crazy that I am willing to pay them what is owed, but they won't get off their ### and accept the funds. They must have more money than they know what to do with.

Just submitted my application for HAMP on 10/25/11 with Bank of America. Submitted all the extensive paper work. Fed Ex back to Bank of America on 11/1/11. Low and behold Bank of America sold my loan to Nationstar, Dallas Texas, Interesting that Bank of American sold the loan 24 hours after I called for the application. Now it sounds like our nightmare starts with Nationstar.

plseeker

My escrow payment changed in 7/11 and i was short on my payment. They called me to tell me this, so i sent the balance over the phone. The rep said I was all squared up and I adjusted the next auto payment to reflect the new amoount. (so far so good) Then i start getting late charges. I called them and they all give a "this isn't making any sense" statement to me. They adjusted the payments and I continued to get the automated, "call us, its important" call.
I call them back and it continues. Next rep gives the same, it doesnt make sense" speal and it "gets fixed".

Now they are saying I owe late fees from july and it was still on the books. Of he 5 calls made to them, none of them said I owe the money and now I do... this is really screwed up. The supervisor "Tommy" told me that the reps don't have to tell me that I owe money. You would think that they would want to get it if owed...

I've had nothing but problems also with Nationstar since my loan was sold to them from GMAC. You have to be very careful when they send you the interest paid amount at year end for tax reporting. My amount was wrong by over 1900.00 and that's a lot of unreported interest. I had to obtain an attorney for the amount to be corrected so I would be able to file my taxes. In addition when you make an online payment and still have to pay an additional $6.95 you will give them the confirmation number that its been paid and the horrible customer service people will still call you DAILY without checking your records. I got a call 4 days straight and after checking my account they will only say they are sorry...and I will still get a call the next day. How absolutely stupid is that! I no longer answer the phone when I see the number when I know that talking to them makes no difference and I know my monthly payment has been made.

Steve Q, Puyallup Wa. Nationstar purchased my contract from GMAC in Dec. 2008. These bottom feeders tried to place escrow on the contract and they finally stopped the horassment for that issue now its something else they pulled from the air. They reported to the credit bureau fraudulantly and now I'm ready to go to the mat with these crooks. Ayear ago they were "Centex " I'm curious why they had to change their name.Don't tell me Obama supports this pack of low lifes. Nationstar my goal in life is to make you change your name again.

OMG! I have had nothing but Hel_, from Nationstar Mtg. ever since my loan was sold to them also in Dec of 2008. Constant letters and phone calls. I am so stressed that I have called the State offices of Financial Affairs for the state of Fla. Today they explained that I need to put my complaint in writing and mail it to their division. Include all copies of letters and late notices and that they will investigate. The only problem w/that is if I am the only person fifling a complaint w/my state office then nothing will evolve. I urge all of you to do the same. Contact your state attorney generals office, ask to speak to the State of ____? Office of Financial Regulations. And make the move to file the complaint. For all of you in FL. Their address is ...
200 East Gaines Street
Tallahassee, FL [protected]
The 0381 after the zip is very important as it will only go to them that way.

I have just spoken to Nationstar and they claim this last letter and the one I received last week and the one about my Flood Ins. and my Escrow are all a GLICH in the SYSTEM!
Nationstar Mortgage is a GLICH in the MORTGAGE SYSTEM!

Simple2

I am having the same difficulty with this mortgage company. They bought it from GMAC late 2008 and I have had nothing but 'errors' with them. I received a letter dated July 22, stating my monthly payment had not been received. I also received a cancellation notice from my homeowners insurance company due to non-payment. Then I received the letter, dated July 24, 2009 that "as of Sept 1, 2009" my loan was past due and provided me a list of 'solutions' to bring my account current! Then I received a Loan Statement, notifying me that $66.78 was due and on the same sheet, it shows a credit of $572! I did speak with them this morning and the letters were sent 'in error'; however, little explanation was given on the amount due or how it came about. They were more than happy to fix it. To say the least, I am on the phone today trying to re-finance my mortage with some other company!

GranTM

It was a computer error.

Just spoke with customer service and got a nice apology. I almost feel sorry for them. They sent out hundreds of thousands of late payment notices in July based on not yet receiving mortgage payments for September 2009 - because of a computer error. I'd be willing to bet that there's been a few programmers added to the Texas unemployment rolls this week...

More than likely it's some sort of colossal screw-up. They probably sent out a lot of these - that would explain all the phone lines being busy. My actual statement indicated my account is fine so I doubt this is affecting anyone's credit. I don't know about a lawsuit but is does speak to some horrible business practices.

The letter you mention (that I rec'd also) could also be an attempt by Nationstar to scare people into some sort of modification program at terms more favorable to Nationstar (and far less favorable to us). I currently have a low interest fixed rate loan sold to Nationstar by GMAC.

Though getting a letter from the 'Foreclosure Prevention' department is very unsettling I don't think a mortgage company can foreclose on a property when the account is current and has been paid on time. I'll resume trying to contact them about it tomorrow. Hopefully there will be a good explanation. But if not I'll scan the letter and have it online and sent to major media outlets in a jiffy.

Me too! Yesterday I received a notice that my bank account was debited for my July payment. Today I received a notice that it was overdue AND a letter dated July 24th stating that my Sept 1 payment and August 1 payment are overdue. That letter was from the FORECLOSURE department. This company is a mess and it is only going to negatively effect our credit. Can you say class action lawsuit!