Mr. Cooper’s earns a 4.2-star rating from 1572 reviews, showing that the majority of homeowners are very satisfied with mortgage services.
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lier! deceiver! monster!
With a company like Nationstar, the best route to take is the lawsuit route. I am actually going through the same process. Just thinking about what Nationstar has done to me for the little 2 months I've been with them, 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. My loan was transferred with a modification from Citi, but Nationstar put me in foreclosure while assuring me that my home would not be in foreclosure if I just made my third/last payment. Don't let them get away with their predatory lending system 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 can get your house back and 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!
The complaint has been investigated and resolved to the customer’s satisfaction.
we need help!
We've been asking for a modification on our mortgage to help us keep our home. Nationstar has had us complete a long, very detailed packet twice this year, only to say, "Oh, we can't help you. We don't have any programs for people like you."
We have now moved from our home and have it leased just to be able to make the payments. But the lease amount won't cover the mortgage. Nationstar still gives us the run-around. And now they say that because we don't occupy the house, we now again don't match our programs for assistance.
We just need a little help. We need the mortgage payment lowered to the amount of our lease... $1550 a month, instead of the $2069 which is our current mortgage amount.
This doesn't make sense...you signed a contract that said you would pay $"X" amount every month for "X" amount of time, but now that you cannot afford your payment, you expect the person on the other side of the table to change the contract terms? So if I get I car that I can't afford, make a few payments, then tell the car financing department, "I can't afford the payments, modify my terms/contract", the financing company is supposed to say "Okay, no big deal"? No, they repo the car and I have to get a car I can afford. I want to drive a Mercedes, but I can only afford the payment on a Kia.
county taxes
Nationstar has the worst customer service. The bounced my county taxes back in april 2010. I started a reseach back in septemer and today I received a lien on my home. I am ready to take them to court. I should not have to be going through this and wasting my time when they made the mistake. They kept opening research after research since september. The tax dept representatives just want to slide you under the carpet instead of putting in some real effort. I am always on time with my payments. My original mortgage was with gmac and they were fantastice. Never had one bit of an issue with them. Ever since my mortgage got sold to nationstar, nothing but headaches. I would think that during this time of economic times a company should cherish their good customers.
The complaint has been investigated and resolved to the customer’s satisfaction.
I agree that nationstar has "HORRIBLE" customer service. When they first purchased my loan from another company I was informed by a single paragraph letter. For the next month I had no information about payment, where to send, nor payment coupon. Finally on a sunday afternoon i recieved a call informing me this was an attempt to collect an outstanding debt and any information obtained during this conversation would be used to do so. I could'nt believe this. well this finally got straight but january 2011, I recieved a delinquent tax notice from local county office. I started calling the escrow dept. I was informed"check sent via fed ex", and provided tracking #, but no one could inform me on confirmation of delivery. I was told however to "call fed ex" for myself. Well i called fed ex. They informed me, after investigation that the track# was generated but not packaged for pick up. No one at Nationstar knows whats going on. I have been told repeatedly, "working on it". Well here we are today Feb. 28, 2011 last day before my property goes up for sell and nationstar has'nt paid the taxes . I was also refused to speak to a supervisor because I informed the person I was recording the phone call. Are we not told that "this conversation may be monitored or recorded". WTF is wrong. I pay extra every month to an escrow account and now I may loose my home because of Nationstars screw up. This company is SUBSTANDARD!
Mark Hall
Huntsville, Alabama
fraud, breach of contract, organized crime
These phonies sent me a ALT Loan MOD to sign and return to start my new payments. They are trying to get out of the contract they sent me and asked me to sign. I have made all the payments according to the agreement. They want me to start all over again. They lie over and over again. Their representatives are idiots, all of them. PLEASE CONTACT ME IF YOU ARE PART OF A CLASS ACTION SUITE AGAINST THIS COMPANY. They are like organized crime. If you have a problem with these ###s, contact me so that I can assist you in dealing with them. I have contacted the FBI, AG office, house representative, fnma and if that does not work I plan on filing suit.
The complaint has been investigated and resolved to the customer’s satisfaction.
My husband has been saying since they bought our loan that we are being scammed and he wants to pursue this with a lawsuit! We feel we are being grossly over charged and they keep saying our escrow account is short and we found out that our Homeowners insurance was lapsed because Nationstar never paid them! I sent emails and faxed the bill showing them it needed paid and they claim they never received it! WOW! Please feel free to email me regarding this, my husband is so anxious to speak with someone who has gone through something similar Puddinpoo2002@yahoo.com
losing payments
Refied in July. Title co sent tax pymt. Wrong amt. Now forwarded to mtg co twice - they say they haven't received. Told me to make a partial payment, now harassing phone calls about partial pymt. Keep calling and asking to be forwarded to different depts and keep getting disconnected. Does this company know what they are doing?
I was an Amtrust Bank customer without ANY problems, then I have had nothing BUT problems since Nationstar took over my account. They have given me a run around each time I call, now they have not even posted a payment I made to my loan! Also watch out, they will not put the overage you give them toward Pure Principle at time of payment to you in full. They treat it as if it is a regular payment with interest deducted. HOW does one get out of this terrible companies grip. HELP lgray59@yahoo, thanks
rip off
Nationstar bought my home loan from Citi Mortgage, and told my sick husband and I, they would give us a modifacation on our Home loan. We were behind 3 months because my husband had been in the hospital with heart problems. They said there was a 3 months payment trial period and they werec lowering our mortgage payments and we were so releaved we could keep our home. We made every payment on time waiting on the trial period to be over, the time drug on and on and it took a full year. I called them so many times in that year, I lost count. I would call to see what the hold up was and I'd hear every different reason it was taking so long. They lost my papers, they didn't add the Attorney fees. ect, ect and we never got to talk to the same person more then once. when I would call they never knew what I was talking about, and I was getting more and more upset with them. We were making $780 loan Modif. payments like they told us to make instead of the full $1290 payments. We signed 6 different Modif. papers each time they said there was some problem and it did not go through and the papers had to be redone. Each time they assured us this would be the last ones we would have to sign and each time they said it was nothing we did, it was there misstake for one reason or another. I now have a modif. loan with them but we owe over $20, 000 in back loan payments, $5000 in legal fees and doc. fees-this fee and that fee. If it was done in the 3 months like they told us it would take, we would have only owed them less then $5000 all together. Since they drug their feet for a year finishing the Loan Modif. they really made out not us in the end. Now we own them way more then the house is worth. Also we owe more then what we bought the house for 6 years before! We think this was just a way for them to ripe us off by them waiting so long for them to compleat the loan modif.! In the end our Loan Modif. payments changed from $780 to $1050 a month because we owed so much more on it and we are now making payments for another full 30 years. We couldn't do anything but sign as we were at their mercy if we wanted to keep our home. Is there anything we can do now about what they have done?
Nationstar sucks. I told them to take the damn house but I wasn't paying them one cent. Not one. That really pissed them off. Catch me if you can a$$holes! LOL! Now you're stuck with a $210, 000 loan and a home worth $90, 000 if you're lucky! Oh, and if they threaten you with a deficiency judgement, threaten back with bankruptcy. They've got nothing on me. Who has the last laugh now! My credit is already trashed and I have no assets, so you have NO bargaining chips. Again, LOL! S*ck it Nationstar! Hahaha!
harassment/foreclosure
i was recently in a final stage of a year an a half modification with citimortagage i was told the final words was up to the investors an dont worry you qualify for a modification after i have fax over 6 times paper work costing me over 150 dollars for the last past year in a half an after all that stress an worry citimortgage sold my loan over to nationstar on november 1st 2010. november 12, 2010 i talk with a loan modification woman at nantionstar by the name of makinez which reasure me i was transfer over to nationstar because my home will be modify don't worry an all funds that i paid to citimortgage will be transfer over in about two weeks...well as soon as i got off the telephone with makinez from nationstar i recieved a call from nationstar collection dept askin me when should they exspect payment or they will forclose on my home...now this is Decemember 4th 2010 an i have been herass an threaten about my home even though i have made arrangment with makenzie that i will be sending 1185 dollars an in two mor weeks another 2000.. but that not good enough i still get phone calls an no understanding to why they are calling me if i have no arrangments, , , not to mention what i talk to makinez about they have no records an no match of funds from citimortgage so there for my home go into forclosure pray for me im on workercomp an will give every dime of my income to them for i an my family have a home an surly their will not be a xmas but my home will be good enough for me an my family...they have lied to me on how much i owed..so now i have to get bank statements togeather on al my payments to prove my balance to 2 mortagage co...this is to much stress on me God Help me please.
The complaint has been investigated and resolved to the customer’s satisfaction.
predatory
My mortgage was recently sold to Nationstar 11/1/2010 and I am already having problems. Since it has been sold to Nationstar I have receive 3 separate documents stating how much I am currently 'past due'... each document states a different amount. And when I call I get yet another amount. Document printed on 11/11 states $4062.40. Document printen 11/12...
Read full review of Mr. Cooper and 2 commentspredatory practices
My mortgage was recently sold to Nationstar. I am outraged that I have to pay $6.95 per month to be sure my payment is received and credited appropriately. I would encourage all Nationstar customers to COMPLAIN LOUDLY. I am contacting my elected officials and I plan to refinance ASAP. They have the amount of my monthly payment wrong. I can already see that they are crooks!
The complaint has been investigated and resolved to the customer’s satisfaction.
We refinanced in August 2007. We had a no-doc, 3yr arm, 9.67% loan, 85%LTV. We were told in six months we could refi again and get into a more affordable loan( lower % rate), credit score would be better, (as we are self -employed). We thought were dealing with reputable lenders, as opposed to brokers, it sounded great. 6, 7, and 8 months we made payments on time to insure are new refi, only to find out there are no programs according to Nationstar that fit our niche. After collecting docs to start some sort of negotiating w/ Nationstar I've noticed bank statements were altered. Now we are forced to put our house on the market, (good timing)I'm looking for other people that have been duped by Nationstar in hopes of some sort of class action.
NationStar Mortgage is all about getting the all mighty dollar from you and not even helping you if you need help. The Predatory Practices of this mortgage company has been going on for years and the fact if you have a mortgage with them its not going to help if you try and re fiance with them because all they are gonna do is re direct your call to everyone else in the company so they do not have to deal with you. Many a times I have had this done to me
Most mortgage companies will try and help you out and see if things will go right, But not Nation Star Mortgage, They will try and drain you for all the money they can get out of you. And when they are done draining your bank accounts and other accounts they will still come after you for more and more and more money they does not exisit. The fact my family has been going through his crap with nations star mortgage for a few years is stupid because they are trying to foreclose on my home and yes they will do the same to you as well even if you keep up your payments, they will tack on fees they are not even supposed to be there just so they can get their money and leave you without a penny to your name. And if that is not enough they would even take the clothes off your back just to make a point because they are truly a company with Predatory Practices and need to be taken down.
i am a foreclosure victim let's join and sue together [protected] george. i have a securitized ---stated income--- loan, which now i cannot qualify for a loan since there are no stated income loan mods!. house is targeted for sale. bankruptcy holding them off for a while, help! does anyone know about settlement of 5 days ago against Nationstar and 13 other banks?
i agree nation star is a scam lets all get together and file a law suit aginst the ###
My Mortgage was sold to Nationstar about 2yrs ago from Flagstar Bank. Since that time I have had several situations with this company. Most of these problems have been with taxes as I am now disabled and no longer pay taxes due to the hardship. The paperwork was properly set-up per Nationstar request of documents from all taxing authorities along with signed and notarized documents. However the escrow account which was supposed to be closed because of this documentation and per my written request was not. They have not paid taxes on my property for 2 years now. Last August I received an escrow account analysis informing me that a check was drawn from my account which was closed and that I was required to pay the $1386.00 that was sent to my city tax office. After receiving this info I informed my tax office and Nationstar of this situation. The check was intercepted by the city tax office and returned to Nationstar uncashed. To this date I have still been going thru unbelievable issues with Nationstar about these funds that are still not resolved it is November 15 and Once again I am on the phone trying to get this situation resolved...I will update with more positive info when I get some...With deepest Regret ME!
We know how hell is thanks to Nationstar Mortgage. We are dealing with tghem for about 3 years. Our original loan was with Flagstar bank, we did with them the trial for a Modification program and while we was waiting for the final step for complete the modification they sell our account to this predators. We have 3 years filling and sending papers, we inclusive paid almost 7, 000 dollars trying to save our home to a private company, but nothing happened. Three months ago they suggested to us a shortsale and we aceept we was tired to trying everything. Our house is on sale and the last friday we received a note in what they wanted that we communicate with them. When we call the stupid who didn't want to identify hios self said to us that we have to give them our original deed because they are tire of wait and they need to make bussiness with our house. And also we have to pay their lawyers and all the interest we accumulated during this 3 years. Obviously we didn't accepted that but we need help. We need that somebody tell us what we can do because they treat us like crap, been very disrespecful and played with our feelings and our future.
Hector and Angie Roche
I received notice 15 day ago my Loan as being transferred from First Horizon over to NationalStar Mortgage. Base on my research of the company I'm working to get my house refinanced by a real financial institution. I haven't received any welcome package from the company. I was able to signup on the website from the information given to me by First Horizon. However, I can't make a payment. My information is not there. I did receive a call from customer support about my payment. I inquired about my welcome packet, when the site would be update with my information. There were no answers. I told them I will call on the 30, 31 to see if they have my info then.
I am wondering if the gentleman (Pacwell I believe) defending this horrible company works for them or is in this industry to have such a callous response to hard working people losing their homes without cause. My Hubby and I have been with one company for five years and now find ourselves having to deal with Nationstar--we are heeding the warnings and getting the heck out while the getting is good barring no expense to do so.
Indeed, I cannot myself find one example of an illegitimate gripe here. Yours is the typical rethug response to any kind of victimization "you must have done somethign wrong" . Tell me oh wise and superior one how is it that forging phoney checks--unauthorized access to funds, draining bank accounts dry, shifting terms without due notice, claiming payments were not made to collect fees, not returning all important phone calls and dodging and avoiding clients... is this just business as usual to you? If so please post your real name so that if you have any kind of business I can avoid you like the plague...I mean, it is hard to live within you means if people are taking money out of your account without notice and doubling the amounts agreed upon without warning or just cause. The nightmare here is that such actions create a chain reaction of bounced checks, late payments and puts people further in the hole. I know a lot of people who work with very reputable mortgage companies=---I do not see these types of complaints or the sheer umber of them as I do here.
You have to be deaf dumb and blind to now see these people as predators...
I think a lot of you people think that Nationstar is afraid of you "walking away from your homes". When you walk away from your home you lose too. Nationstar is not a bank and they have to play by the rules of the investor on the loan YOU chose. Nationstar doesn't necessarily buy loans they acquire them because they are favored for their strategies by investors. Face it if you could afford your home then you wouldn't be asking for a modification or refinance and them be upset when your denied. The people who receive the requested help are the people who need it plain and simple. They make determinations based off the information YOU provide and the standard they are forced to follow by investors or the government. Grow up, set your priorities and stop living above your means. You certainly weren't upset when your lenders fronted you thousands or dollars to buy your home.
I agree. This company is horrible!
terrible customer service
Nationstar Mortgage LLC bought our mortgage from CitiMortgage, effective November 1, 2010. The only paperwork we have received was from Citi about this transfer and nothing from Nationstar. Three weeks before our mortgage payment was due, we called both companies and was informed that we can make our November payment with Citi as our last payment. When we went to Citi to make our payment, we were informed that our account was closed and we would have to speak to Nationstar about the matter. We called Nationstar. but instead we got forwarded to a poor woman's house who has been receiving numerous angry calls from Nationstar customers. We tried the number again and finally got a representative who could not tell us anything about our account, terms or anything about our paperwork until next week (when it would be too late to send a payment). The only thing Nationstar could tell us was to send our payment to a P.O. Box in Texas using Citi's account number. No wonder Nationstar has been accused of fraud and has multiple pending lawsuits against them. They force you into their terms without the consumer's acknowledgment!
The complaint has been investigated and resolved to the customer’s satisfaction.
Nationstar did the exact same thing to me. I am now trying to contact them and that is next to impossible as I live in North Pole Alaska. I emailed them and am waiting for some form of response, I am not sending in a payment until they send me some documentation as to what account it is going to. Suntrust was wrong to sell the mortgage to these guys. So wrong. I don't know who I am more angry at. Suntrust after 10 years of never being late on a payment you sell my mortgage to Nationstar? Who the hell is Nationstar? And if I wanted to do business with Nationstar then I would of applied for a loan through them..not SunTrust.
Why didn't you just wait to send your payment? When a Nationstar takes over a loan they do not assess late charges nor do they report to the credit bureau for sixty days. This is because they know that things get confusing during the transition period. Now that you've sent the payment using the Citi account number you'll probably be told to send in proof of payment since they won't where to apply the funds. I'd get ready with a front and back copy of that check you sent if I were you...
i am in the same boat
nationstar has STILL not sent me a statement for november
in order to pay online or over the phone they charge a fee!
something has to be done about them
wish i could talk to you guys
post back here if you want to get in touch and decide what to do
we recieved the same letter here :( not happy
Your loan has been sold to a debt collector who ALWAYS operates outside the law. Send them a certified letter registered return receipt and tell them you need to know where to send your mortgage payment. If they do not comply, sue them.
www.challengingforeclosure.com
class action
[pdf] united states district court western district of kentucky...
File format: pdf/adobe acrobat - quick view
Sep 28, 2010... deutsche bank national trust company;. nationstar mortgage;... exchange commission (“sec”) and the internal revenue service (“irs”) as a real... the & ldquo;trust” engaged in a plethora of & ldquo;prohibited activities” and sold... rating agencies are currently under investigation by the justice department...
Solari. com/... / [protected]-class-action-vs-mortgage-electronic-registration-systems-gmac-deutsche-bank-nation-star-aurora-bac-citi-us-bank-lps-et-al...
Class action vs mortgage electronic registration systems, gmac...
Sep 28, 2010... the deutsche bank as & ldquo;trustee” is a generic term for an entity not... nationstar mortgage is thought to be a foreign corporation, but is not... the & ldquo;trust” engaged in a plethora of & ldquo;prohibited activities” and sold there are... the rating agencies are currently under investigation by the justice...
www.scribd. com/... / class-action-vs-mortgage-electronic-registration-systems-gmac-deutsche-bank-nation-star-aurora-bac-citi-us-ban... - cached
The complaint has been investigated and resolved to the customer’s satisfaction.
For the last 3 months there have been problems getting payments to Nationstar through Money Grams. The property is located in Oakfield, Me. We did not ask for Nationstar to be our Mortgage co. Bank of America sold our mortgage to them. There have been nothing but problems with them. Not paying insurance payments on time. Payments not being posted. Now they will not take a check from us. They don't have access to take a Debit card, what kind of financial institution does that.
William Wright
angelannabella@hotmail.com
We live in Tn can we get in on the class action suit ? Nationstar is ripping us off too.
holding insurance repair funds
We too had our GMAC loan sold to Nationstar. There were issues with making the initial payments, and then we too got one of those July 2009 letters about having not made our payment. At least for that mistake, they did later send an apology letter.
But our big problem with them is due to their refusal and endless excuses for not releasing our insurance money to pay for our home repairs. Our home sustained major damage from a tornado back in March 2010. We received an initial insurance check that we signed and forwarded to Nationstar in May. They released an initial amount of the money (10% of what we owed on the house) in late May. At the halfway point they released half of the remaining funds.
But since the house repairs were completed on August 27, 2010, we have received no additional money. They have given us every excuse in the book to hold on to the remaining funds. They were demanding that we send them a "Paid in Full" invoice from our contractor; they said they would not release the money until we did. To which we responded, "How can we pay him, if you will not release our insurance money to us?" They have also "misplaced" the depreciation check that we sent to them from our insurance company. We finally got them to agree that they would release all of the money that they were holding after they processed the depreciation check. So we over nighted it to them. They admit that they received it almost 20 days ago, but they don't seem to know where it is now.
I have had it with this company. Every time you call, you speak to someone different, and you get a different story. I just want what is lawfully mine, so that I can pay my contractor what is due him. And I have filed a complaint with the State's Attorney General's office.
My advice is to avoid this company like the plague! If your home is financed through them, do anything and everything you can to refinance somewhere else.
The complaint has been investigated and resolved to the customer’s satisfaction.
They Have Asked us to sign over the check and give it to then we denied until modification was done! We are 1 year and a half away and still no modification so we never sent them the check still waiting ! We have a class action lawsuit for the same kind of problem please Email Me at jerrycaggia@gmail.com to join in this law suit! Nation star is owned by some bad people who just want to hit you with all these fees and try to make you owe them all this money instead of modifying the home and getting payments rolling again! NAtion Star dose have alot of Bad Practices and this company wants to suck the blood out of people so lets all fight back and sue in a class action law suit
loan modifcation process misrepresentation by lender
I began the Loan Modification Process in July 2010 to save my property since I had encountered severe financial difficulties. After months of submitting documentation, having them misplace the docs, having them not respond, not provide accurate information, provide bad advice, and spending hours on the phone in trying to have the process approved, I found out yesterday that my house was foreclosed on 10/14/2010. This was after they said that they would stop any foreclosure proceedings during the loan mod process and not to make any additional payments until then since it was not necessary. I had on multiple attempts told them over the past few months that if the loan mod were not going to be approved for any reason that I wanted to try to sell the property via a Short Sale and then if that didn't work process a deed in lieu of foreclosure, just anything to prevent the foreclosure process. They said I couldn't do a short sale until I was behind on payments and then they would have to approved it but not to seek it since the loan mod was being processed. On 9/24/2010 I submitted the paperwork as requested for the loan officer to postpone any foreclosure until the loan mod was approved, faxed the docs as requested, and they told me not to worry that they had received the docs and the foreclosure process would be postponed. I reiterated to please tell me if it would not go through so I could try to sell the property on a short sale. Yesterday, 10/20/10 I called since a notice was on the house saying a realtor had the property due to a Sheriff Sale (Foreclosure). I was so confused so called the office and could not reach a representative and then was transfered multiple times to the wrong departments, then was sent to a voice mail box that was always full. On/ 10/20/10, I called again until I reached a rep for over 2 hours and they said the loan mod was not approved due to other laws that they just found out and that it was foreclosed and there was nothing I could do. So, I cried for awhile and called the Short Sale Dept and they said I could still do the Short Sale which would relieve me of most of the debt but that my credity rating would still be stated as a Foreclosure even if the property sells on the Short Sale and there is no balance due. The Foreclosure rating would then remain as a negative on my credit report for 7 years. If I want to redeem the property since it is occupied in Michigan I have 6 months to redeem the preoperty if I pay the back payments, the attorneys fees, and other fees which is over $6, 000 at a minimum, plus my credit is still then bad because of the late payments through the six month redemption period. After months of dealting with Nationstar and having every representative that gave advice not be familiar with the Making Home Affordable Laws (HUD) and providing incorrect information, and months of phone calls, submitting and resubmitting documentation and then to no avail having my home going to foreclosure due to incorrect advice from Nationstar and thus being distraught, mentally and physically exhausted from trying to save my home I hope that the Making Home Affordable Program (HUD), FDIC, FTC, and the State Attorney General look into their corrupt practices that detroy homeowner's lives. Please if you value your home do not listen to Nationstar's Advice seek out a HUD Counselor, or if at all possible obtain another mortgage with a more reputable company that is knowledgeable on mortgage practices and the new lawas on saving your home. I have been crying for two days and trying to work so I don't lose my job due to being so distraught and trying to focus to complete work. Nationstar is as close to being a criminal as any company could possibly get. I am going to attempt to start a Class Action Lawsuit against them for misrepresentation to mortgage holders thus causing the loss of their homes. Hopefully, many others will follow and have cases that support what they have been doing to customers.
The complaint has been investigated and resolved to the customer’s satisfaction.
If you don't want to deal with foreclosure or modifications, don't fall behind on payments, a bad economy only reveals poor stewardship, people who live above their means and latter can't afford them. Don't be mad at the mod team for your bad situation. I've experienced great customer service.
We agree,
We were working on a modification that was signed and faxed back with the originals fed ex'd back to NationStar. WE then received foreclosure papers and the sale was not stopped. So our home is now foreclosed on and we would like to know if that's even legal!
My experience with Nationstar is familiar to yours.
I am litigating.
GILPIN COUNTY DISTRICT COURT
2960 Dory Hill Road - Suite 200.
Black Hawk, Colorado 80422
Plaintiff: Keith Cabaniss
Defendants: Nationstar Mortgage, LLC
Attorney for Plaintiff:
Keith Cabaniss, pro se
90 Geranium Way
Black Hawk, CO 80422
Phone: [protected]
E-mail: cabaniss@ usa.com
DCOURT USE ONLYD
Case No. 2010CV-000043
VERIFIED COMPLAINT FOR WRONGFUL FORECLOSURE
AND JURY DEMAND
Introduction: This complaint alleges inter alia that Nationstar Mortgage wrongfully foreclosed on real property commonly known as 81 Greystone Trial, Black Hawk, Colorado, 80422. Specifically, Nationstar repeatedly and falsely told Plaintiff that his loan modification was either in-process or had been approved, failed to inform plaintiff that his loan-modification application had been denied, and that this failure prevents plaintiff from exercising legal rights, including but not limited to, Chapter 13 bankruptcy, that would have allowed him to retain title to his home, which he largely built with his own hands.
Plaintiff, Keith Cabaniss, pro se, for his complaint against Nationstar Mortgage, swears and affirms that:
1. Defendant, Nationstar Mortgage, is a national mortgage lender that has transacted business in the state of Colorado.
2. Plaintiff, Keith Cabaniss, is an individual who resides in, and previously owned and occupied real property located in Gilpin County, Colorado.
3. The real property that Cabaniss previously owned has a common street address of 81 Greystone Trail, Black Hawk, Colorado, 80422 (the “Home”).
4. The Home is known as parcel no. [protected], in the public records of Gilpin County, Colorado.
5. The legal description of the Home is:
S: 3 T: 2S R: 72W Subd: LA CHULA VISTA RANCH Block: 002 Lot: 013A & IMPS A TRACT OF LAND CREATED BY BLE 04-09 RECPT #122305 & CORRECTED BY BLE 04-09A RECPT #124137 FORMERLY KNOWN AS BLK 2 LOT 13 & EAST 1/2 OF LOT 18.
6. Cabaniss was the first owner of the Home.
7. The Home is located in the mountains of Gilpin County, Colorado.
8. The Home has a unique and spectacular view of the Continental Divide and Longs Peak.
9. Cabaniss designed the Home, and largely built and finished it with his own hands.
10. Cabaniss purchased the land on which the Home resides in November, 2003; built the home from July 2004 through January 2007; and completed its interior and first occupied the Home in January 2007.
11. On May 25, 2007, Cabainss signed a promissory note to Nationstar for the amount of $230, 431.01 (the “Note”).
12. The Note was secured by a Deed of Trust on the Home.
13. Nationstar filed an action on January 17, 2008, to recover title to the Home by having the Gilpin County Public Trustee conduct a public sale of the Home (the “Foreclosure”).
14. On information and belief, Nationstar did not own the Note or hold the corresponding Deed of Trust when it filed the Foreclosure.
15. On information and belief, Nationstar sold the Note and had previously assigned the Note and/or the corresponding Deed of Trust at the time when it filed the Foreclosure and thereafter.
16. On information and belief, Nationstar acted only as the servicer of the Note, i.e. Nationstar did not own the Note, but contracted with the Note’s owner to administer the Note, including to collect payments made on the Note.
17. From January 2008, when Nationstar filed the Foreclosure, through mid-February 2010, Nationstar consistently and repeatedly postponed the sale date in the Foreclosure action.
18. Cabaniss entered the Streamlined Modification Program Loan Workout Plan (“SMP”) February 19, 2009.
19. Nationstar’s agent, Vessia, told Cabaniss on February 27, 2009, that his SMP modification had been approved.
20. Cabaniss made one payment under the SMP.
21. Thereafter, Nationstar called Cabaniss and informed him that SMP had been cancelled, and Cabaniss would instead enter a Trial Period Plan under the Home Affordable Modification Program (“HAMP”).
22. Cabaniss entered HAMP in August 2009.
23. HAMP requires that applicants complete a three month trial period by making the payments that would be required under a proposed modified loan terms. If a HAMP participant makes these required trial-period payments, the participant’s loan may be modified to reflect the trial-period’s payment terms.
24. Cabaniss timely made his August and September payments under HAMP.
25. Cabaniss pre-paid his October HAMP payment with his September payment.
26. In September of 2009, Cabaniss called Nationstar to ensure that it had received his August, September, and October HAMP payments.
27. By timely making his August, September, and October payments to Nationstar, Cabaniss successfully completed the HAMP trial period.
28. Assuming that Cabaniss met other HAMP program requirements, Cabaniss’ successful completion of the HAMP trial period entitled him to have his loan modified in accordance with the trial-period payment terms.
29. Nationstar confirmed to Cabainss that (a) it had received his August, September, and October HAMP payments; and (b) it was sending his plan to another Nationstar department to draft new loan documents for Cabaniss’ new and modified HAMP loan.
30. Cabaniss’ HAMP loan-modification application was denied on or about Septmber 28, 2009.
31. On or shortly after Cabaniss’ HAMP application was denied, Nationstar knew that Cabaniss’ HAMP application had been denied.
32. Nationstar did not notify Cabaniss that his HAMP application had been denied.
33. Nationstar was required to notify Cabaniss that his Hamp application had been denied.
34. Cabaniss did not receive new HAMP loan documents from Nationstar.
35. Cabaniss did not make further payments to Nationstar while he was waiting to receive his new HAMP loan documents.
36. Nationstar consistently told Cabaniss that his new, modified, HAMP loan documents were in progress. The communications between Cabaniss and Nationstar, include, but are not limited to the following communications:
a. Cabaniss called Nationstar on December 10, 2009, and informed it that he had not yet received any new, modified, HAMP loan documents. Nationstar informed Cabaniss that it was "still working to prepare new loan documents, could take another month."
b. Cabaniss called Nationstar again on January 26, 2010. He informed Nationstar that he still had not received the new, new, modified HAMP loan documents. Nationstar told Cabaniss that “everything is ok.”
c. At the time Nationstar made the statements in the immediately preceding paragraphs (a) and (b) to Cabaniss, Nationstar knew that these statements were false.
37. On or about four days after the January, 26, 2010, telephone conversation in which Nationstar told Cabaniss that “everything is OK, ” Nationstar set a sale date for the Foreclosure.
38. The Gilpin County Public Trustee held a Public Trustee’s sale of the Home on February 25, 2010 (the “Foreclosure Sale”).
39. February 26, 2010, was the last date on which Nationstar could schedule the Foreclose Sale without having to file a new action to request a Public Trustee Sale of the Home.
40. At the time of the Foreclosure Sale, Cabaniss had no notice that Nationstar intended to continue with the Foreclosure.
41. Prior to the Foreclosure Sale, Nationstar provided no notice to Cabaniss that Nationstar had set the Foreclosure Sale, or that Nationstar otherwise intended to proceed with the Foreclosure.
42. Cabaniss learned of the Foreclosure Sale on March 3, 2010, when he discovered a notice that Phil Heter, a Denver-based repossession/eviction processor and REO broker, that Fannie Mae now owned the Home.
43. If Cabaniss had had notice of the Foreclosure Sale, he would have been able to exercise legal rights, filing a chapter 13 bankruptcy petition, which would have allowed Cabaniss to prevent the Foreclosure Sale and keep the Home by restructuring his debts and becoming current on the restructured Note over time.
44. After Cabaniss learned of the Foreclosure sale, he again called Nationstar. On March 9, 2010, Cabaniss spoke with Thomas Brown of Nationstar. Cabaniss asked Mr. Brown to have Nationstar rescind the Foreclosure Sale because Nationstar had (a) failed to provide Cabaniss with any notice that it was proceeding with the Foreclosure Sale and (b) had made multiple misrepresentations to Cabaniss regarding the status of his HAMP modification and of his Note to Nationstar.
45. Brown and Cabaniss went through Nationstar’s records of the communications between Cabaniss and Nationstar.
46. Brown stated that Nationstar’s records of its communications with Cabaniss comported with Cabaniss’ own records of these communications, which are reflected in the preceding paragraphs of this Complaint. Brown also confirmed that Nationstar had not notified Cabaniss of the Foreclosure Sale or of that Cabaniss’ HAMP application had been denied.
47. Despite his concurrence with the facts as Cabaniss presented them, Brown and Nationstar refused to rescind the Foreclosure Sale. More specifically:
a. Cabaniss asked Brown, “What Happened?”
b. Brown responded, "Something transpired."
c. In response to further questions from Cabaniss, Brown would not reveal what transpired, refused to rescind the Foreclosure Sale, stated that he was going to terminate the telephone call, and then hung up.
48. On May 17th, Cabaniss held a conference call with Geraldo Hernandez of Nationstar and Jeff Plaine of Money Management (a HUD-certified loan counselor).
49. During this May 17th conference call, Hernandez again affirmed that:
a. Nationstar’s records of its communications comported with Cabaniss’ own records of these communications, which are reflected in the preceding paragraphs of this Complaint;
b. Nationstar did not notify Cabaniss that his HAMP loan-modification application had been denied.
c. Nationstar did not notify Cabaniss of the Foreclosure Sale date or that Nationstar was proceeding with the Foreclosure Sale.
50. On May 20, 2010, Cabaniss spoke via telephone with Chelsea of Nationstar Mortgage’s legal compliance department in Dallas, TX. He asked why Nationstar proceeded with the Foreclosure Sale despite having informed Cabaniss that “everything is OK.”
a. Chelsea responded that there had been a "miscommunication between [Nationstar’s] Loss Mitigation and HAMP department[s]."
b. Thereafter, Cabaniss asked Chelsea "Why am I being held accountable for miscommunication within Nationstar?"
c. Chelsea responded, “There is no explanation."
First Claim for Relief
Wrongful Foreclosure
51. Cabaniss repeats and realleges all preceding paragraphs.
52. Nationstar’s Foreclosure Sale was wrongful.
53. Cabaniss has been damaged by the wrongful Foreclosure Sale.
54. As a result of the wrongful nature of the Foreclosure Sale, the Foreclosure sale should be rescinded.
Second Claim for Relief
Breach of Contract (covenant of good faith and fair dealing)
55. Cabaniss repeats and realleges all preceding paragraphs.
56. As part of the Note, Nationstar had an obligation to deal fairly and in good faith with Cabaniss in its efforts to enforce the Note.
57. Nationstar did not deal fairly and in good faith with Cabaniss in its efforts to enforce the Note.
58. Cabaniss has been damaged by Nationstar’s lack of fairness and good faith in an amount to be determined at trial.
Third Claim for Relief
Fraudulent Non-disclosure
59. Cabaniss repeats and realleges all preceding paragraphs.
60. Nationstar represented to Cabaniss that (a) his HAMP loan application was in process; (b) he would receive new loan documents from Nationstar that complied with the term of the HAMP trial period that Cabaniss had successfully completed; and (c) Cabaniss’ loan from Nationstar and the processing of his HAMP application was “OK.”
61. Nationstar’s misrepresentations detailed in paragraph 60 above are false.
62. At the time that Nationstar made the representations details in paragraph 60 above, Nationstar knew or should have known that these representations were false.
63. Nationstar made the representations detailed in paragraph 60 above with intent that Cabaniss rely on these representations.
64. Cabaniss relied on Nationstar’s misrepresentations to his detriment.
65. Cabaniss has been damaged by Nationstar’s misrepresentations and his detrimental reliance on these misrepresentations in an amount to be determined at trial.
Fourth Claim for Relief
Fraudulent Non-disclosure
66. Cabaniss repeats and realleges all preceding paragraphs.
67. Nationstar had a duty to disclose to Cabaniss all material facts that were relevant to the Foreclosure Sale before the Foreclosure Sale proceeded, including, but not limited to, the fact that the Foreclosure Sale was proceeding and that Cabaniss’ HAMP loan-modification application had been denied.
68. Nationstar failed to disclose the material facts detailed in paragraph 67 above to Cabaniss.
69. Nationstar’s failure to disclose the material facts detailed in paragraph 67 above to Cabaniss was willful and intentional.
70. Cabaniss has been damaged by Nationstar’s willful and intention non-disclosures in an amount to be determined at trial.
Jury Demand
Cabaniss demands a trial by jury.
FOR THESE REASONS, the Court should vacate the Foreclosure Sale, restore title to the Home to Cabaniss as title existed prior to the Foreclosure Sale, award Cabaniss economic and punitive damages, award Cabaniss all costs and attorney fees incurred in this action, and award Cabaniss all such further relief that the Court deems as is just, proper or appropriate.
Dated this 24th day of May 2010.
ATTORNEY FOR PLAINTIFF
Keith Cabaniss, pro se
Aurora Loan Services is a Fraud
I had a similar experience with Aurora, as all of you. Aurora has done all it could not to help my husband and I keep our home. Here is my story:
I purchased my home September 2006. The loan was with First Magnus. It was set up as an 80/20 loan. Shortly thereafter my loan with First Magnus was sold to Aurora Loan Services. I am not sure which bank corresponds with Aurora Loan Services. In April 2007, I lost my job and was not able to pay for my mortgage. I contacted Aurora and explained the situation to them. I asked them for a work up or a differed payment for a few months until I would find another job. They refused to help me, because I was making my payments on time. A few days later I was served with Foreclosure papers.
I struggled to make payments on time. In 2008 out of desperation I contacted Majestic Properties for a loan modification. I hired them. Their fee was $2000 and I paid them $1500 down for this service and gave them power of attorney to communicate with Aurora on my behalf for a loan modification. They did very little for me, as they were telling me that Aurora was unwilling to cooperate with them.
In March of 2009 my husband had a triple bypass surgery. Now he is on Dialysis. I provided Aurora with the hardship letter and proof from his medical records from his Doctors.
I was keeping in touch with Majestic Properties office on a weekly basis.
Finally after almost three years and many letters and phone calls, not to mention numerous foreclosure cancelations, Aurora agreed on a work up based on a three month trial period. Aurora sent me the paper work. I took it to Majestic Properties to have assistance with this process. I filled out the paper work and submitted it to Aurora. I was to pay them $840 a month for three months after which my case would be re-evaluated. I made my monthly mortgage payments to Aurora on time. After the initial three month trial period they re-evaluated the case, I re-submitted all the paper work they asked for all over again, and I was approved for three more months. Again I was making my monthly mortgage payments on time. I was cooperating with them fully.
When the second set of three month trial period was up, I re-submitted the paper work they had asked for again. The paper work was faxed from Majestic Properties while I was in their office. The loan modification associate was on the phone with an Aurora representative. The fax went through but the Aurora representative stated they did not receive it. This was not the first time that Aurora representatives stated they did not receive pertinent information from me, which I had indeed sent them. I was always gathering information and running around trying to give them the appropriate information as they requested.
It is important to mention that while I was in the middle of this loan modification process Aurora placed a note on my garage door with date for the trustee sale, on two separate occasions. Why would they do that, if I was complying with this work up, and making payments? They made it impossible for me to continue with the modification.
Finally Aurora was no longer cooperating with the modification, and I had no choice but to start a short sale process. Mean while the two loan modification specialists that I was dealing with at Majestic Properties formed their own company named Foreclosure Short Sale Specialists LLC.
Shortly thereafter they started having financial difficulties and they were no longer handling my short sale case. They had helped me a lot with many foreclosure cancelations and submitting paper work to Aurora, but there was never a successful loan modification done by them, nor a short sale. Seeing how Foreclosure Short Sale Specialist LLC was no longer representing me with the short sale, I contacted my Realtor and he contacted Aurora and started the Short Sale process all over again.
The other day I found out that Foreclosure Short Sale Specialists LLC defrauded many people. They charged them lots of money for short sale and loan modifications and never did a thing for them. Their office is closed now and they fled town.
November 2009 we put the house up for short sale and my Realtor sold it in June 2010 for half the price I bought it for.
I had every intention to keep my home and cooperate with Aurora. My only options were short sale and foreclosure. The loan was solely on my husband’s name and I did not want his credit to be ruined, by foreclosing. His credit was adversely affected anyway because of Aurora was cooperating and dragged the process out for many years.
This was a difficult time for me because my husband had just had major heart surgery and I was not able to inform him of the stress Aurora was inflicting on me. My husband was not to be under any type of stress after his triple bypass surgery.
Banks took money from tax payers in bail outs to help those affected by the economical crisis yet they did nothing to help us stay in our home, there for if there is an Attorney out there considering class action law suits I would like to be included. You can reach me at my e-mail address [protected]@yahoo.com.
The complaint has been investigated and resolved to the customer’s satisfaction.
I am having a hard time and certainly suprise how our govermnet allow this crimminal act to happen
robbed me of my house
Nationstar totally robbed me out of my house. Mid Aug. i made payment arrangements to pay 3 payments before Sept. 1. Well i called Nationstar on Aug. 31 st from wal-mart (money gram) and again was confirmed i needed to pay 3 paments to prevent foreclosure. I was also told to call back with the transaction number. So i made the payment ( amount told i needed to pay by Nationstar) and called back in the transaction code and was told all was good. On Sept. 15th i got a flyer in the mail wanting to buy my house before it was foreclosed on. I called the number on the flyer and asked where they got my address and was told in the newspaper for foreclosures. I immediatly called Nationstar and the agent said the money didn't post to my account but since i did get it on time he would fix it and not to worry and actually apologized for the mix up. He told me i was not in foreclosure. Well Oct. 7th Fanny Mae shows up to my house and says they on it. They said it was foreclosed on Oct. 5th. I paid what i was told mid August, Aug. 31 plus i talked to Nationstar on Sept 15th and was told everything was fine. If i would have been told i needed to pay more i would've. I talked to Nationstar on Oct. 8th and was told a manager will review it and they will get back to me on Oct. 12th about a possible rescind. If anybody has any advice PLEASE HELP. PLEASE SAY A PRAYER FOR ME THAT NATIONSTAR WILL DO THE RIGHT THING AND FIX THEIR ERROR.
email any help to : [protected]@msn.com
So what ended up happening?
scam
My mortgage was originally with Flagstar. I came back from a family vacation last year and my mortgage was sold to Nationstar. They told me that I did not have to make any mortgage payments for three months because they were trying to get me approved for Obama's new HAMP. I made my payments on time and Nationstar has sent my payments back stating that the payments were not enough to cover my debt which has acculumulated up to 34, 000. This company has been giving me the run around and I am facing foreclosure. I am looking into filing a class action lawsuit because all the money that I was paying into my mortgage has not been going towards it.
The complaint has been investigated and resolved to the customer’s satisfaction.
I just called Nationstar Mortgage for a payoff and it takes 24 hours via fax and there is a charge of $25.00. What a rip off! I spoke to a rep who was worthless. Bad way for a mortgage company to increase their profits
My home was heavily damaged by Hurricane Ike and is uninhabitable. I have no complaints or problems, whatsoever with the insurance company - Farmers Insurance. My agent was wonderful to me and responded quickly and was very concerned about my well being and my health. My adjuster was very nice and concerned about me, as well. They sent the adjustment check in a very timely manner and I endorsed and sent to my mortgage company as required by Nationstar Mortgage. I hired a contractor and he required 50% of the funds up front before he would begin the work. The total of the first draw ($19, 000 - half the adjustment) was sent by the mortgage company and the contractor insisted that I endorse the check over to him, which I did. It was almost one month before work ever started on my home. I got a new roof and rafter repairs. On the inside I had a small 1/2 wall removed, the kitchen was gutted, a small hall closet taken out to make room for a new bathroom vanity installation, flooring was laid in the area in front of the vanity, flooring laid in the kitchen and entry way (I provided all the materials for the floors), scraping of ceiling and re-texuring and painting of bedroom and closet doors in bedroom and insulation and sheetrock and paint installed in the kitchen and dining area (the room was also gutted by the contractor, of which he left all debris in my garage and back yard). The contractor's carpenter needed materials and I purchased them for him to continue the work, since the contractor would not return either his or my calls. Contractor finally called me back and told me he would leave me a check for reimbursement. The check he gave me was insufficient, which made me overdrawn in my bank and to exacerbate that problem, my bank charged me over $250 for insufficient funds. Things went downhill from there with my contractor, whom I suspect was having 'personal issues', and ultimately I had to fire him. The mortgage company sent someone out to my house to inspect the job and signed off at 45 percent completion. I hired a second contractor who jumped through all the hoops required by the mortgage company to release more funds so that the work could continue. The mortgage company kept coming back asking for additional documentation and finally the second contractor decided not to accept the job due to 'my mortgage company being too hard to deal with'. Finally, after many tears and sleepless nights, I found another contractor who was willing to help me. He agreed to repair my house with the remaining funds and has done everything the mortgage company has asked him to do and as of today, the mortgage company is refusing to release any more funds until the job is 100% complete. This is simply ludicrous. How can any company expect the job to be done with no money for supplies and materials, etc? It is like going to the grocery store and getting the groceries, but not paying for them until you have cooked and eaten them! Maybe a bad analogy, but nonetheless apt. This situation has caused me so much heartache, strife anxiety and thoughts of suicide. I am crying as I sit here and write this to you. I am living elsewhere and paying more expenses than I would have to if I was in my own home. Can you please tell me if I have any legal recourse or is this just the status quo for these greedy vulture mortgage companies who feed off of victims such as myself? I am hoping you might be able to offer some guidance to me. I am at a point of desperation right now. Any advice you can offer me is greatly appreciated. I simply don't know where to go from here.
Gmac sold our mortgage to Nationstar and everything was fine. Shortly after this transaction my husband lost his job...Nationstar contacted us about a loan modification. I would listen to my husband tell me the options of paying a note for three months that were about $500.00 a month lower than our regular note and if we did everything perfect they would refinance us at the new lower monthly note. I couldn't help but notice that we still recieved late notices although we did everything they told us now they are threatening foreclosure and my husband doesn't think it's anything to worry about. I am scared to death because our house is worth way more than we owe on it...HELP!
We are getting the run around as well. Being told to send a certain amount and they would start a repayment plan and when We did that they did not apply the money and are trying to foreclose. Also this happened once before and I sent a different amount they told me I needed to send and put it into unapplied funds and didn't apply it to my loan either. so it looks like I havn't made any payments when I have made several. They are rip offs and do not help you, but just lie and take your money.
I'm in the same situation with them. However my wife has great credit and she is not on the title. I'm thinking about just paying for things in cash from now on and renting an apartment with her credit rating and our combined income. F*&K um they can have the house. I'm 30k underwater on it anyway. We have no children so that's a plus I suppose.
Dear Ralph, pretty sure they're not supposed to charge you any money for modifying the loan..
Administrative Costs
Servicers may not charge the borrower to cover the administrative processing costs incurred in connection with a HAMP. The servicer must pay any actual out-of-pocket expenses such as any required notary fees, recordation fees, title costs, property valuation fees, credit report fees or other allowable and documented expenses. Fannie Mae will reimburse the servicer for allowable out-of-pocket expenses. Servicers will not be reimbursed for the cost of the credit report(s).
Cry some more, live within your means.
I am now very, very worried because I am also in this same situation! I have been waiting since January 20th 2010 for the docs that they said would be sent. I have spoken to Daisey Cortez on 01/20/2010, Ronda 01/21/2010, Tohara 02/3/2010, that's when I was told my case was rejected...what! I called again on 02/6/2010 spoke to James and he told me there was no foreclosure date. 02/9/2010 spoke to another james ext2119. called again 2/17/2010 james said that he still did not see a sale date, but i was getting letters from an attorney Macalla Raymer llc...I aqm sending pymts of $1364 cashiers checks. I still have no docs and I am told that they are behind with paperwork. I was given the modification dept tel# [protected] and spoke to Quinton, Asia( she was extremly rude) brian and broderick on 2/25/2010 he said I had an open case ( still no docs) finally I spoke to sheena and she faxed me some paperwork, that I filled out and faxed back with my paystubs. still no 'official docs" 3/9/2010 I GOT AN OFFICIAL NOTICE OF FORECLOSURE...I LOST IT. I spoke to joe and he told me that he does see that my docs have been imaged and he does not see a foreclosure date...I said to him has this attorney been told this. joe said that if a modification is done the foreclosure date is pushed back. i really don't know what to do now I am so scared. pls help.
I have the same problem My loan was sold to Nationstar from Flagstar in October 2009. I continue to receive late notices but I was told verbally that I am on a trial modification program, just send in $1599.03 by January 01, 2010. I sent the check December 20, 2009, The check never cleared my bank. I called on January 6, 2010 and was told by Renee that they returned my check because they need me to wire the money, send it quick collect or cashier's check. This was never told to me by the representative . The letter that came with the check said the funds are insufficient to cover the overdue amount on my account. I called back and they said dont worry about tht letter, just send the money quick collect. Yes I owe, but I dont feel comfortable sending money without proof it was sent. Should I be thankful that my check was sent back to me. My representative Jamie x3444 who said I was approved for trial payments will not return my calls. No one will give me anything in writing. I spoke with Chad on January 21, he was very rude, he said they dont have to send me any correspondance "I owe then money" .They will probably foreclose anyway. What to do?
I LIVE IN tN AND THANK nATIONSTAR IS RIPPING US OFF TOO AND WILL END UP WITH OUR HOME. wHO DO WE GO TO FOR SOME REAL HELP?
over charges
This company does not work with any issue I bring up to them. They consistently have added fees and charge unnecessary fees for everything! They have a 15 dollar check processing fee. A 7.50 online payment fee and other ridiculous fees. I just finished a foreclosure proceeding and even though I did NOT get a Modification they still charged me late fees on...
Read full review of Mr. Cooper and 28 commentsBad Faith
I've seen enough other complaints on this site to repeat the same story. Suffice it to say, we have worked with them everyway possible for well over a year now and they keep delaying and otherwise displaying a total lack of good faith. All of this is on top of their overall inefficiency and rudeness. Is there a lawyer out there who is handling one or more of their cases. We are going to stop making payments to them and start paying a lawyer.
email us at - auroraloanservices dot cheats at yahoo dot com
Good luck to us all
The complaint has been investigated and resolved to the customer’s satisfaction.
This lender is terrible. We have been working with them for the past year. We have provided all the paper work they have requested and have been denied 3 times. They are threatening foreclosure if we aren't able to come up with the 30, 000. The representatives are rude, lack of customer services. I SWEAR, IF I COULD GET OUT OF THIS COMPANY I WOULD DO IT IN A HEART BEAT, I DON"T RECOMMEND THIS COMPANY TO ANYONE. IT SHOULD BE ILLEGAL FOR A LENDER TO PROVIDED FALSE INFORMATION AND DECEIVE THEIR BORROWS.
I cannot believe this crap that we are all taking. Both my husband and I have felt that our house is slowly being taken away. We to have been on program after program with no modification. We have been lied to. Our house has been in forclosure. This has been very hard to deal with stress wise. Right now we are in aspecial forbearance plan. We are going to have a lawyer try and do our mod this time. We have 3 months and if no mod then they told us we would have to come up with the $40, 000. How in the hell are we supposed to do that. They make me think of bad bad cuss words when I think about all of the crap that we have gone through. I am glad that someone is going after this Co. I wish myself luck because we are probably the next people being taken down by ALS.
ripoff
Beware Nationstar has a new way of ripping people off durring a remod.
they tell you that you qualify for the step 2 in a remod. to make sure you make the 3 payments and then send you a new set of documents and have you make 3 more payments. this will go on for 2 to 3 more times but in the meantime they give your loan to a company named Quality loans which forcloses on you. the bad thing about this is I made the payments to Nationstar like they told me to and I should have been talking to Quality Loans. Go check at the county recorders office. I thad to Learn this the hard way!
The complaint has been investigated and resolved to the customer’s satisfaction.
That's impossible. You start off on a trial plan to see if you qualify for a repayment plan. If you default on the repayment plan then you may not qualify for the next step which could eventually result in foreclosure.
Deceitful Company
Aurora Loan Services is a deceitful company that does not care about homeowners. After many months of applying for a loan modification so that I can keep my house, I finally received a call on 7/28/10 from an Aurora senior underwriter, Mike Lumpkin, stating that I had been approved for a permanent loan modification. He said, "Congratulations!" Oh, that was a happy day. He told me to sign the documents he would send to me and told me to make my first payment on 9/1/10. Well, the documents never arrived. Instead, he did an about-face and denied my modification on 8/27/10, and the foreclosure sale is set for 9/15/10. When I got home from a trip out of town, I discovered that Aurora had given me exactly one day to correct a title issue. One day! Who can fix a title problem in one day? Give me a break. Well, Aurora never gives anyone any breaks. So there goes my house. They can have it. It's way underwater anyhow. But does this really help the economy? They don't care at all about helping the economy or keeping a roof over a family's head.
The complaint has been investigated and resolved to the customer’s satisfaction.
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Mr. Cooper emailsshortsalesupport@mrcooper.com100%Confidence score: 100%Supportdevon.bevis@mrcooper.com98%Confidence score: 98%executive
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Mr. Cooper address8950 Cypress Waters Blvd, Coppell, Texas, 75019, United States
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Checked and verified by Stan This contact information is personally checked and verified by the ComplaintsBoard representative. Learn moreJun 13, 2024
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Nationstar is one of the biggest crooks out there. We started a Loan Modification with Suntrust which isn't any better.We were approved and our new payment started on 2-2-2010 and the new Interest rate of 4.375 %. We made all out payments and Suntrust took them with no complaints.I called them a few times to make sure all was well and was told it was a done deal.
In Dec of 2010 they sold our loan to Nationstar and the problems began phone calls 4 to 6 times a day saying we were late on payments and behind,
We have never been behind on any thing in our lives.They refused too honor the Loan Modification and sent me a new one they drew up changing everything uping the Interest rate and adding $10.000 to the mortgage .I have dealt with these people for 6 months and you can not believe anything they tell you. They are just down and out crooks.Something needs to be done to stop this company and get them out of business.Call any government office you can and let them know what they are doing to the people. Suffering in Florida . We told them also we are in our 70s and in poor health and they could care less. They just want your home and the hell with you.