Print the value of index0
  • Report:  #1174151

Complaint Review: Nationstar Mortgage

Nationstar Mortgage They are stealing my house and no one cares... Lewisville Nationwide

  • Reported By:
    Lora — Leitchfield Kentucky
  • Submitted:
    Wed, September 03, 2014
  • Updated:
    Sat, September 13, 2014
*Author of original report: Petition started... *Consumer Suggestion: KNOW YOUR RIGHTS AND FIGHT!!! *Author of original report: Responding to the crooks....

Short summary of events, my husband had to close his small business due to economy , I am a RN that due to chronic and new health issues was unemployed for about 6 months, we got behind on mortgage. We had a bankruptcy in 2010 but have slowly tried digging our way back to surface.

During our current troubles with mortgage , I continued to try to communicate and tried to obtain a loan modification from my lender. Since Dec-Jan, I have called and have been shuffled and told no one can help me bc my loan is in the bankruptcy dept?? I finally get an email from a man that talked loan modification in Jan , he kept asking for the same documents over and over, I submitted them over and over but the process was dragged out until July and he never communicated with me, BUT I with him asking questions and wanting answers , I would send 2-3 emails and finally he would answer me,until finally he says I am denied due to non submitting of paper that was not asked for or was lost??...

I now have their attorney wanting to foreclose. This company would not accept payments when they said it was in bankruptcy ( this was discharged in 2010). I contacted my bankruptcy attorney and he said this was not an issue. I am going to lose my home even after I offer to pay, even after I tried my best at loan modification process, I don't know what to do. I just tried AGAIN to call and same story, in bankruptcy dept and they would not talk to me. They already released to my credit report they have foreclosed. PLEASE PLEASE HELP ME I BEG OF YOU... I have written to US Attorney General of Ky and Tx, to Consumers Affairs.,BBB. Even tried to get a response from their attorney and as usual I hear nothing.. I accidently emailed the wrong company and they were the ONLY ones to return any correspondence... Please help.

3 Updates & Rebuttals

Lora

Leitchfield,
Kentucky,

Responding to the crooks....

#4Author of original report

Sat, September 13, 2014

Ms.Brinkley and the other representatives of Nationstar,
The response to my complaints of unfair, illegal, discrimatory, predatory lending and foreclosure practices that I was sent were attachments that were something I already knew..... I am poor. I used to be known as what people called the "middle class" now I am simply poor.I was sent attachments by Ms.Brinkley stating that Nationstar MAILED me 3 letters asking for paperwork and then denying my modification. The only communication I have from Nationstar is simple... it is of 3 ways...
#1. I can call their incompetent customer service people and be told they can't help me because my account is in bankruptcy department from a 2010 bankruptcy that was discharged. Nationstar uses this excuse when they do not want to talk to me... you can't tell me this on the phone but then attempt a loan modification. You also can't accept payments from 2010 until my last payment date which was late 2013 , I believe because the statement you sent me in the attachement was such a jumbled mess that who really knows what the heck it meant???SO to summarize this statement for you.... If I am in bankruptcy department either you don't deal with me at all until all paperwork is complete on the discharge or you deal with me, STOP with the mixed signals... 
 
#2. second method of contact or communication from Nationstar- email from a Mr.Raymond Dillman a Foreclosure & Bankruptcy Specialist was his title...this is laughable because he can not communicate . I have 88 emails most of which are from ME to HIM asking for updates about my modification, asking if I submitted the right papers, if I did paperwork right... Ms.Brinkley you gave me 3 attachment letters "supposedly" mailed to me asking for more info . The dates 2/9/14, 2/15/14, 3/19/14 however on 2/7/14 I asked for monthly statement from Mr.Dillman your "specialist" because I did not get statements from your company. Did he say, I will fix that? NOPE.. Did he say I will send you one? NOPE... Did I ever get one?? NOPE... ON 2/17/14 AND 2/18/14 I SENT  request for update on modification, he finally answered on 2/18/14 and asked for more paperwork a P & L statement ( this is what was supposedly not sent...) and his statement in email said if my husbands business was no longer operating, a letter explaining why, this attachment was sent by email on 2/25/14 but was in wrong format so faxed on 2/26.I then asked on 3/4/14 if he had everything needed.... he answered was waiting ON processing dept for me to follow up on 3/5 or 3/6. WAITED until 3/11 and emailed still waiting? no response... 3/12 checking on update?? no response on 3/14 emailed 3 times until he responds "I am so sorry i thought i responded earlier this week, but your file has been referred to our underwriting dept for review.  It does usually take about 20-30 days to get a decision back, but please continue to follow up with me on a weekly basis just in case they ask for some additional documents. " MY RESPONSE? Thank you I am just worried to death..:(  ON 4/2 I check in , no response.. 4/3-5/12 the convo between me and  Mr.Dillman involve yet another P& L STATEMENT wanted. I sent by email 5/10 and faxed as well. no response or communication from NATIONSTAR ... on 7/2 I checked in and no response, on 7/5 I checked in and no response, on 7/9 I checked in and was told sorry you were denied because you did not submit paperwork. 
 
NOW TELL ME HOW THIS IS MY FAULT??  Last but not least on methods of communication with Nationstar...# 3 certified letter and delivery by sherriffs office by their attorney serving for foreclosure. IT'S AMAZING THEY FOUND MY HOUSE AGAIN!!! Can't find me for a monthly statement, or clarification of documents, or any other reasons ...
Do I think they deliberately prey on the poor ? YES I do because we are easy targets, we have no money to fight. Do I think they prey on people with know disabilities who will be off work at times? YES I DO, I stated in my modification letter in January why I was unemployed and made the fatal mistake of telling them my disabilities , which does limit my work abilities at times. Which has made us late on our mortgage and did make us file bankruptcy in 2010.PLUS when I filed my complaint with the BBB in TX , there is a flag on their account where they admit no guilt but had to pay a pregnant lady money for not wanting to do a modification because of risk of not returning to work after having baby and during pregnancy. 
Do I think they infringed on my rights alloted to me as a homeowner per the DODD-FRANK ACT? YES!!! 
  • Notification of Foreclosure Alternatives:Servicers must let borrowers know about their “loss mitigation options” to retain their home after borrowers have missed two consecutive payments. They must provide them a written notice that includes examples of options that might be available to them as alternatives to foreclosure and instructions for how to obtain more information.
  • Direct and Ongoing Access to Servicing Personnel: Servicers must have policies and procedures in place to provide delinquent borrowers with direct, easy, ongoing access to employees responsible for helping them. These personnel are responsible for alerting borrowers to any missing information on their applications, telling borrowers about the status of any loss mitigation application, and making sure documents get to the right servicing personnel for processing.
  • Fair Review Process: The servicer must consider all foreclosure alternatives available from the mortgage owners or investors – those with decision-making power over the loan – to help the borrower retain the home. These options can range from deferment of payments to loan modifications. And servicers can no longer steer borrowers to those options that are most financially favorable for the servicer.
  • Clear Monthly Mortgage Statements:Servicers must provide regular statements which include: the amount and due date of the next payment; a breakdown of payments by principal, interest, fees, and escrow; and recent transaction activity.

  • No Runarounds

    When mortgage servicers make mistakes, records get lost, payments are processed too slowly, or servicer personnel do not have the latest information about a consumer’s account, the consumer suffers the consequences. The CFPB’s rules will require common-sense policies and procedures for handling consumer accounts and preventing runarounds. 

I have copied this to Fox News, to BBB, to CFPB, To RIPOFF report, Consumer Affairs ... I hope the media picks up on this and RUNS with it! I hope they look at the other complaints posted by consumers on these boards , there are thousands of people getting ripped off by this company and losing their homes. The rich businesses and investors are getting richer and the poor are getting poorer. I started a petition 

Report Attachments:

Dana Shafman at END Consulting

Scottsdale,
Arizona,

KNOW YOUR RIGHTS AND FIGHT!!!

#4Consumer Suggestion

Tue, September 09, 2014

Hello Lora,

We are successfully dealing with these exact issues in our office just as you have stated above and we have been able to successfully assert the rights of our clients! 

I routinely look for posts to answer in hopes that it will not only bring optimism to those homeowners and borrowers in distress but also some basic information to assist in fighting the banks that are "too big to fail" but yet don't appreciate the bailout that we provided in their time of need.  The debt collectors like SPS, SLS, Green Tree, Ocwen and Nationstar are simply just scumbags but they can be beat at their own game too just like the big banks can be defeated.  You CAN win this fight!!!

It pains me that you have fallen victim to the illegal, unfair, deceptive and abusive acts and practices of Nationstar since you have a valid hardship and RIGHTS but I also commend you for seeking help; too often homeowners do not fight for their consumer and constitutional rights!  With that said, you have overlooked a key aspect to your fight, which is putting it in writing in the form of a proper QWR to regulatory agencies outside of Nationstar that assist in fighting for your rights like the CFPB; your attorney should have also provided with you a letter in which to proceed with modification.  I would be more than happy to educate you as to how to fight for your rights.  My firm routinely seeks out complaints online so that we can educate as to how to fight back on our weekday show called "The Daily Complaint" where we review a complaint and how to tackle it successfully. 

We reviewed your complaint on the show today if you would like to listen, click here.

Let me first point out that Nationstar has violated your rights by "dual-tracking" your loan as afforded you under the CFPB and RESPA (Dodd-Frank).  Also, Nationstar has violated a plethora of Federal consumer protection laws afforded you under the CFPB and Dodd-Frank to include the “No Runarounds” mandate implemented this year on January 10, 2014.  You can learn more by visiting the CFPB's website and learning more about the rights afforded you under the FDCPA, Dodd-Frank and RESPA via the CFPB – click here. 

Please feel free to contact me via email or website as I would be more than happy to contact Nationstar on your behalf to ensure your rights are not further violated and uncover options moving forward...free of charge to you!

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

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

Every new beginning comes from some other beginning's END

Respectfully,

Dana

CLICK HERE FOR EMAIL

CLICK HERE FOR RADIO SHOW

CLICK HERE FOR END WEBSITE

Lora

Leitchfield,
Kentucky,

Petition started...

#4Author of original report

Fri, September 05, 2014

Please sign petition ... I already have my KY State Rep inquiring into Nationstar Illegal practices but was suggested by an attorney to also start this petition..have everyone you know sign before Oct 5!!!
STOP discriminatory lending,predatory lending and illegal foreclosure practices by Nationstar Mortgage, LLC. http://wh.gov/lhSap

Respond to this Report!