Mr. Cooper Reviews

We made the similar online payment (regular and additional to principal) on October 14th. I called Nationstar and explained the situation (their records, by the way, did not reflect that the money was taken out). They thanked me for letting them know. But when we checked the statement from the first bank that we made the payment from we realized that on October 10th Nationstar made another attempt to take the money and this time we were charged $29.00 because of them. Our second online payment had the date of October 15th and I don't understand why Nationstar tried to get the money on the 10th and who is going to reimburse us for $29.00?

And again, they applied the regular payment for October but no indication where the additional payment went to. I had to call them and they said they did not know where to apply those funds to (hah...???) I said it was indicated on THEIR screen that the additional payment should go into principal. Again, it took almost a week for them to apply that money to the right place. After having read the previous complaints, I am really nervous what to expect from them in the future. Thank God I did not agree for automatic withdrawals each month that a person I was talking to was trying to set up. But said, 'no'.

After the in-house modification that cost 100 plus, at the end of it, my payment skyrocketed so the only variable I could control is homeowner's insurance. So I found it for half what I was paying, so I swapped companies and the check for remaining balance was enough to cover new ins. So I sent them the signed check, return receipt requested with directives to pay new ins. in full to lower my payment. They so called could find it, so new agent finally cancelled due to non payment and tried to add expensive insurance. But when I confronted them, they ask, denied and ask how I knew they had the payment and I gave them the name of person who signed for it.

I'm still having hell with them but I think I'm fixing to get them in court and no judge in this country who reviews my documents could honestly side with them unless on nationstar's under the table payroll. So if searching for a refinance or mortgage and nationstar is mentioned, run like hell. Anyone or attorney with any type of help, please let me know.

A little over a year ago, I believe Bank of America sold our mortgage to Nationstar. We continued to make our monthly payments which, at $1100 per month (P&I plus escrow), were barely within our budget, but we were managing. And then we started getting notices that we were behind on our payments, even though we have records from our bank stating otherwise. This past week, when my husband told me that our October payment had been kicked back, I finally had him pull our payment history from the Nationstar website. In March, 2014, they had bumped up our mortgage payment from $1100 to $1600, which is WAY out of our budget. But they were still accepting our $1100 per month payments.

And at first they were applying the payments to principal and interest first, and then the balance to escrow (which is how I thought it should be done), but then for the last few months they have been applying the bulk of our monthly payment to escrow, with little or nothing posting to principal and interest. They have been doing this long enough that they were showing we were three months behind on our note, and they were considering foreclosure. When I called them yesterday to find out why they had been applying our payments incorrectly, they said that was their policy when an escrow balance was negative. When I asked why they wouldn't honor the arrangement we had made with Bank of America, they said because that isn't what they do. When I asked why they kicked back our October payment, they said because it wasn't enough (even though they had been processing the same payment amount from us since they bought our mortgage).

And when I asked them what they could do to help us out because we couldn't afford the $1600 a month (and that we had been comfortable paying $1100 per month), their only response was that they MIGHT be able to lower our payments to $1400 a month (still not good enough). We managed to come up with the funds to bring the account "current" through the end of October, but now I am trying to find a way to come up with the $20K we owe on the balance of the note just so that we can get out from under these people. We owe $20K and our house is worth $130K, and I think Nationstar is just looking at that and seeing dollar signs. I think they want us to default so they can have our house and turn a tidy profit. Shame on you, Nationstar. Shame on you.

They have mishandled my money by losing $800 in the paperwork. The latest response I received from the loan officer was quote: "It will come out in the wash". I am still waiting on a return phone call from the loan processor's manager to see if this can be corrected or if I'm out of $800 because I was forced under duress to sign the closing papers with a 3rd party notary. Any advice would be appreciated.

Upon calling today I was informed I could either give it a couple more days or have to wait an additional 30 days for the check to be reissued. I said this is unacceptable, it is my money and if I was late they charged me a late fee. How come I get no late fee from them since it is their responsibility to refund me back my money? Asked for a direct line to call by passing their computer and was told they could not give me a direct line. Waited on hold for over 30 min for a supervisor who so far is not coming to the line. Guess they figure I will give up but they jerked me around for over 2 years before I refinanced so it's matter of principle now.

I have been going rounds with this company over my 2nd mortgage with them. They kept sending back my payments but couldn't tell me why for 5 months. Somehow the modification was not noted on the account so the amount was less than the full payment so they wouldn't take any money. No communication, very dishonest. I have talked to 55 people from Nationstar this year to resolve this problem and not once did they tell me I was making the wrong amount on mortgage 1. I would not deal with them ever, if I had my way. I think they force people into foreclosure.

We received the final draft and found it to be ridiculous. Because we did not have much success contacting them by phone, I decided to write them a letter (certified mail return receipt) asking that account is returned back to its original form and that all information pertaining to the modification are null and void. Our account is a Fixed Non-variable Equity Loan Account that would be paid off in 11 more years (maybe sooner). We don't need this. We await their reply as of this posting. Wish us luck.

So we were now behind on the mortgage payments (on purpose), are operating on half our normal income, and finally had an offer and the Nationstar said they were going to foreclose despite all of the communications we had. They said 15 days was not enough time to consider the pending short sale (even though the process was already underway and they never said they had a time requirement, all we knew was they were waiting on the offer). Things changed from later September when they were working with our realtor to the frantic call at the beginning of October that Nationstar was going to foreclose and would no longer work on the short sale. We thought that we could get them to reconsider and asked about a loan modification (anything to get the foreclosure process to delay for the additional 15 days they claim were needed to consider the short sale), they said they needed 37 days to consider a loan modification (which we didn't want since we were trying to sell) and that they would foreclose unless we brought the mortgage current.

Everything with them requires more time than you have given the constraints they put you in. How can you start a short sale process and then announce halfway through you need twice the amount of time?! I asked them how much to bring the mortgage current (hoping we could afford it to avoid foreclosure) and they told me the amount (not horrible) and said "plus attorney fees". I asked how much those were, they said they did not know and would not "order the attorney fees" unless I agreed we would pay them. Huh? I calmly asked how could I commit to an unknown amount and they repeated their stance: they would not obtain the attorney fee amount for me until I agreed to pay this unknown amount (on a specific day, no less).

So after several months we finally had a short sale offer, earnest money was deposited and we were ready to try to sell the house when Nationstar decided that they would rather foreclose than deal with us. I don't have experience with lots of mortgage companies, we certainly did not choose these folks (our mortgage was resold to them), but from what I have read here we are not alone. These folks are horrible and seem to want to foreclose. I am happy that we are not living in the house (we have 3 children, 2 are special needs) and have to deal with being kicked out of our home. Nationstar should be more willing to help their customers out, especially when they have tried to do everything they can to follow their cumbersome and obviously shifting rules.

I signed no papers for them to pay my taxes. They simply took it on themselves to do so. I continued to pay my mortgage on time and then noticed on my bill a home inspection fee of 75.00 appears on my bill 4 years after I had signed with Centex. I tired with failure to get Nationstar to explain this fee to no avail. I became disabled in 2010. I used my saving to continue to pay Nationstar. In 2011 I ask for a HAMP loan. This process dragged on for over 2 years needing one more piece of paper. My husband showing up in their records as being deceased. He had to go to a notary and prove he was alive and well.

Finally in 2013 the HAMP was approved. I was sent a contract with a FedEx return package to have all paperwork signed and returned within 48 hours from receipt. The new mortgage was for 480 months. Keep in mind I only had 5 years left on my mortgage. If I had signed this paperwork I would have been 106 years old when my home paid off. My balance owed at that time was 34k dollars total. The new loan would have lowered my payments by 103.00 a month, which was no help at all. I declined the loan, tossed the contract in a garbage can. This company opened an escrow account for the loan and started billing me for the escrow, for a loan I never took out. Now they take a portion of my house payment paying this escrow account off, that I didn't owe. You call them and they say, “Ok we have it all corrected now” and yet it never corrects.

The final straw was this past year. They paid my insurance on my home with MetLife that I had been paying for over 5 years and never miss a payment or a late payment. I confronted them about why they paid insurance that was already paid. They contacted MetLife and requested a refund for the money they had paid by mistake and told me I would have to pay them this money. And once the insurance company gave them their money back, I would get a refund. Their error, I pay for it. I tried to pay my monthly payment in Sept on Sept 3rd. The payment never posted on my account which of course put me in a late charge issue, 25.00.

On Sept 24th they sent my check back uncashed and said they could not accept this as a payment as I owed the insurance escrow as well as my taxes and my payment - and my payment now would go from 604.00 a month to 752.00 per month until this was paid off. If I didn’t catch up payments I would go into default and lose my home of 30 years. My husband and I are both disabled, and our total income is 1700.00 per month. I am on 24/7 oxygen dependent. They demanded a payment by phone of 1502.00 which took our entire monthly social security checks to pay.

This company has treated us this way for over 8 years now, and they know my home is worth 95K, and I owe a little over 30K total. As I see it they simply want to take my home, flip it and make a tidy profit - selling it. My husband and I need help. We don't qualify for any aid of any kind, simply because we worked all our lives and don't meet requirements for handouts. This company is the worst of the worst ever. It has taken a toll on me and my husband’s health. We sit here wondering when we will be tossed out on the street with no place to go. Nationstar has stressed us both so badly, we can never recover.

Also, I have to point out that I didn't even realize that our taxes had gone up (I guess we'll have to take that up with the town of Plymouth now, since that's a bit of a mystery). Nationstar's response was so quick, that I didn't even have time to look into the issue myself.

Original Review: Oct. 9, 2014

Escrow increase - Our (modified) mortgage was sold to Nationstar from Bank of America. Like so many on here, our mortgage increased by $200 per month. I was told today that it would not go down, as I assumed it would, after we'd paid that amount for a year. It made no sense whatsoever, what she said. I am going to request an escrow statement for the past year, and see if they comply. I thought Bank of America was the worst lender that we could deal with, now I'm worried that Nationstar is as bad, if not worse. We are both self employed, or else we would look elsewhere. It is not easy to find lenders these days.

Area of Concern: Nationstar Mortgage has not provided any notification, Notice of Servicing Transfer from Springleaf Financial Mortgage Company.

From 16 September 2014 until now 3 October 2014 did not forward any welcome packet to resident homeowner; they had assume control of mortgage account residential property located within Coryell County Property Tax Base Jurisdictions. Nationstar Mortgage has not as of since 16 September until now 3 October 2014 ever attempt to provide residential homeowner with Mortgage Identification Account Number of which homeowner needs to make timely monthly installment payments. Previous managers of residential mortgage identification account number Springleaf Financial Mortgage Company had informed residential homeowner in Copperas Cove, Texas. Nationstar Mortgage assume has assume control of mortgage account.

From 16 September 2014 until 3 October 2014 the Nationstar Mortgage Customer Service Hotline 1-888-48-2432 is joke. Consumer as denied access to contact mortgage account managers. The automatic answering system is a continuous loop, "All our agents are busy please call back." Cannot access the Nationstar Mortgage Website. As of today 3 October 2014 I residential homeowner had not been assigned Mortgage Identification Number for my residential property in Coryell County Jurisdiction. Nationstar Mortgage is savage. The primary goal of this Organization is to destroy property value and force foreclosure of residential property and damage homeowners credit standing. Everyone should write those fat-cats in political office to help the voters. We should as register voters look for someone whom will fight for our rights.

I never got this letter. Instead they returned my July payment. When I asked why they said "your demand letter expired," and they would only accept the full amount I owe in the rears... Oh but wait, we can do a LOAN MODIFICATION.. LOL after jumping through hoops for the last three month giving them everything under the sun they ask for!!!!!!! and now due to them sending my payments back for the last 4 months I am 6 months behind and now they say the investor of my loan does not do modifications so I was denied!!!!!!!!!!!!! I owed them @$10,500.00 sent them $11,000.00 on 10/01/2014 now they say they are going to deny this payment and send the money back again because as of 10/01/2014, I owe another $1,950.00. So now NO MODIFICATION AND NO ONE WILL TOUCH ME AS FAR AS RE-FINANCE.. I am screwed ...does anyone know what I can do?

I feel this is illegal, they want my house!!!!!!!!!!!!!!! I only owe $155,000 and house worth @ 340,000 / 350,000. Predators are what they are, they are stealing my home!!!!!!!!!!!!!!! !

Underwriters refused to remove it and said that I had to sign the agreement and pay the deposit or they would foreclose. They also said it was illegal for a 2nd modification to have a higher payment.. My payment went up 200$. I owed 105,000 on my house and I now owe 198,000! They took all the payment and put them on top of the loan, including the principal that should have been subtracted. How can they add principal that wasn't paid to the top of the note?? This is outrageous and I know they broke several laws! They gave me 24 hours notice to pay 1500$ and I had a payment of 952 due in less than 2 weeks! If BOA didn't "accidentally cancel" my reinstatement I would owe 105,000 with a payment of 751 a month! I don't know if there is any way to hold them accountable and get this corrected but I am open to suggestions.

I was transferred to a woman with a heavy foreign accent who said her name was Allen. I explained that according to Springleaf my October 1st payment should be made to Nationstar Mortgage not Springleaf. The woman asked me for my ssn. I gave it to her so she could look up my account. She couldn't find my account and asked me when it was supposed to be transferred over. I told her October 1 2014. She said it probably hadn't been transferred yet and I could make my October 1st payment to Springleaf. I asked her how long Nationstar had been in business. She stated "over 10 years". I asked her where her corporate office was and she said "There is no corporate office." "What?" "Where does my payment get mailed to each month?" She said, "Customer relations in Erving TX." "Where is your customer service located?" She said, "Philippines." This would account for the foreign accent.

I googled the company and the corporate office is 350 Highland Dr, Lewisville, TX 75067 Customer Service is (888) 480-2432 (Philippines). The Philippines is their call center. If you are having trouble with them currently, I would call this guy at 888-817-2432. At least he sounds non-foreign. Maybe you can shake him up to help you. For myself I think this is some sort of unprofessional company who hasn't been in business too long and is buying up old mortgages to shake down people (from reading many of the complaints). I really do not want to deal with a bunch of people who hide their corporate office and give you the runaround every time you have dealings with them.

When I called a week later to ask for a close out amount, they told me that I had to do it over the internet. They could not send it to my attorney or tell me over the phone. So I went to the internet to get my close out amount and they said it could take up to a week. I didn't have a week. It's unbelievable that it would take that long. Even my attorney was shocked at how long it takes and he does this all the time. We managed to get it just in time, It was 1000 more than I actually owed but we cut them the check and sent it to them.

Three days later my lawyer calls and tells me there wasn't enough to cover the mortgage payoff. I called nationstar to talk to someone. The first person put me on hold for 20 minutes then told me she couldn't help me and hung up. I called back and got a different person, having to go through the whole menu again and got someone who was a bit more helpful by transferring me to someone else. The next person had to get me on the phone in a 3-way call with a third person who barely spoke english and couldn't understand what I was asking. Finally after 45 minutes I managed to convince them to send me another payoff statement which they told me was the same one my lawyer had received. (And it took time to get the payoff) I have a copy of the one I got from the lawyer and the new one, there was a 500 dollar difference and not in my favor. The lady I talked to assured me that this payoff amount would hold until the end of the month.

I called back to make a payment, but they can't take a payment over the phone, it has to be wired or a cashier check sent. When I called back to make the payment, I was told I owed a different amount but they could not discuss it over the phone, I would have to wait for the payoff statement... so round and round we go right. I'm sure by the time I get this one, I will owe something else!!! I can't help thinking they are pushing me to next month so I will owe late fees and the interest yet again on the whole amount, which they have but won't process without the final amount.

On March 10th, they attempted a debit and there weren't sufficient funds to cover it. That was a $25 loss but that my responsibility. This is when the trouble began. I called Nationstar to make sure it did not happen again. I spoke to a representative who assured me he would cancel the automatic withdrawals and the one time debit on the 14th would still occur. On March 14th Nationstar debited my account as agreed and that took care of my monthly mortgage payment. On March 17th, Nationstar attempted an automatic withdrawal and there weren't funds in the account to cover the cost. My financial institution imposed a $25 fee. The representative I spoke to on the 12th assured me this would not happen.

On March 18th, this came to my attention and I called Nationstar 3 times. I spoke to 3 representative, none could help me address this issue, in fact, they said their system did not show an attempted debit on that date. One representative asked that I FAX him the bank statement. I objected, suggesting to email him the document because there is no accountability with faxing documents. The recipient can always say they did not receive the document and there is no way to prove they did. In spite of that I faxed the document, but after being on hold for more than 10 minutes waiting for him to check the fax machine, I disconnected.

I spent a total of one hour and twenty five minutes on the phone and nothing was accomplished. In fact half of that time was spent on hold. This is not the exception with Nationstar, its the rule. It has been my experience that most telephone transactions with customer service take 30 minutes. Calls to the refinance or new loan departments are answered immediately. The people in the loan modification department DO NOT ANSWER THE PHONE AT ALL. I suspect Nationstar received Federal funds to grant modifications. I requested that a supervisor return my call to resolve my problem. I'm, still waiting for that call. This company couldn't care less about serving its customers. About a week or so later, ** called while I was at work. I called her and left a voicemail message and I am waiting for the return call. Around this time, I received a letter from Nationstar informing me that they would be applying a $15 fee for the failed debits, this was eventually reversed.

On Friday, April 11, 2014, I was able to reach ** by telephone. I explained that I was very frustrated and it would take a while to explain why. ** cut me off and said she would not allow me to take my problem out on her. I thought this was a little premature since I was excited but hardly rude or disrespectful. I explained that I had no intention of doing that but I was frustrated. After explaining my billing problems to **, she told me I would need to wait until the customer service representatives I originally spoke with conducted an investigation. She repeatedly told me "Nationstar was not going to just send me a check for $50.00." I explained that I had faxed the supporting documents showing my loss. ** acted as if I was making this entire incident up, saying that her system did not show that Nationstar attempted debit on the 17th and 20 of March. I asked if I could email the supporting documents to her. She refused saying her company would not accept emails. I explained to no avail that there is no accountability with fax messages, which was evident by the fact that she did not know I had already sent the documents via fax.

I also asked if there was another telephone number or a contact person I could speak with contact regarding a loan modification since it seems that the loan modification staff do not answer the telephone. ** did not provide me with a contact person and gave me the same toll free Nationstar modification department number. Thoroughly frustrated after going around in circles, I asked if there was a supervisor I could speak with. She identified herself as a supervisor, or equivalent, and refused to allow me to speak with someone else. I have never experienced suck organizational indifference and incompetence. I have worked in the public sector 27 years and the worse bureaucracies I've ever dealt are no where near as bad as Nationstar, not even close. Based on what I've seen from so many Nationstar employees, it is apparent that the management and the executive staff tacitly endorse this type of service or lack thereof.

During this time I had filed a complaint with the Better Business Bureau and submitted several follow-up letters. ** of Nationstar responded in writing in late April. The first three paragraphs of ** response were accurate, however, the factual content diminishes as the response continued. In short ** and the Nationstar staff maintained accurate notes of everything that transpired except for the attempted ACH drafts. Everyone I have dealt with acts as if it did not happen. They have simply ignored the supporting documents from my credit union that I faxed them on two separate occasions.

This company simply does whatever they want, understanding that there is no price to pay. Unlike cell phone service, insurance and television service, most people cannot just change mortgage companies. It is for that reason that a company like Nationstar can operate in bad faith with impunity. I was never reimbursed for my loss and I finally just gave up. The $50 loss was not worth the stress.

So what I did was: Went to a local bank (in this case SUNTRUST) and had the loan refinanced 3.6%! So I DROPPED ALL ACCOUNTS WITH BOA! because they sold me to a company whose background were "debt collectors." Why would BOA sell my good standing loan... after I had been a GREAT customer for SEVERAL years... to this evil/harassing company? If you have had a similar experience... do what I stated above... then report them to the Texas State Attorney General Office! Btw.. having my loan refinanced thru SUNTRUST was a PLEASURE! Unlike BOA, they treat you like "a customer": They sincerely appreciate your business!

Well, we did finally get the realtor to get Nationstar to respond and to work on our file... Then they ask, can you close by next week?? WHAT? No, everything has expired and we have to start the loan again, but we can close in 3 weeks. A date was set, a new contract we signed and we thought "Yeah." But, no. Once again, we are ready to close on this home, but Nationstar still hasn't got the home in their name, and no one can give us any answers. This is beyond frustrating. This bank is so incompetent. How is it that we let them control all aspects of these transactions? These homes sit empty, falling into disrepair when there are buyers anxious to buy them!!! There should be some protection for the buyer. They have our down payment. We have done everything we can to make this happen, and this bank is completely useless. Pissed off to say the least.

I am seeking to initiate a class action lawsuit against Nationstar Mortgage LLC for unethical, illegal and unfair business practices, fraud, malice, oppression, and other punitive damages (CA Civil Code 3294). If there are any other California homeowners out there that have experienced similar treatment by Nationstar and your home ownership is being jeopardized please email me your contact info to ** along with summary of your experience with Nationstar. Attorney will contact you.

Guess what? In May, NS again billed me for the insurance on that house. I again complained to CFPB. Then in June, NS agreed in writing on their letterhead that no more contact would be made. A copy of that second NS letter went to CFPB. Guess what? In September, NS sent me a written memo stating that I owed $1731.64 a month on that house. The memo was entitled "Changes to Your Mortgage Interest Rate and Payments on 10/01/14". What? Still trying to collect on a "dead" non-recourse loan on a house foreclosed in February 2010! I do NOT have any loan with NS!

Seeing that twice, NS violated it's written promises to me- I again complained this week to the CFPB asking for a permanent Government order for NS to Cease and Desist. That was a non-recourse loan, once the house was foreclosed - that is it. It should be over. That is law in California. NS reps are no help. The reps were saying falsely that my name is still on the loan, saying falsely that I had "made" a payment on that foreclosed house in February 2012. No way! Guess what? I asked the CFPB this week for an "order" directed at NS, because I do not trust NS to do things voluntarily. I stated that will not accept any more written promises from NS. Why should I? Two promises have already been violated by NS.

In December 2013, I was working part time, and all the stress and worry what am I going to do. In December, I went to hospital, I had gone to dr's office and that is when I discovered that I had tachycardia pulse over 160. I could have passed out, or became unconscious. Anyway the tachycardia was thought to be from the stress and anxiety of trying to save my house. And I called and let nationstar that I was in hospital, and I cannot make arrangements to move or even think about modification.

A repr. called me after I came home, and was asking if I am going to be out of the house by 21 of December. "No," I just about exploded, "I just got out of hosp. and you want me to move by 21. I don't think so, I am recovering from hospitalization with my heart. I am recovering and on a therapeutic heart medication that requires to accumulate." I asked her "what would nationstar do If I had died?" That was the end of calls until march when it all started over again. By then I had prayed and made up my mind don't fight just get out. It hurt so bad. All my memories and life had been tied up in that house.

Well GOD gives you advice and support to take some of the hurt away. I talked with the reps and of course they could care less about your feelings. I was advised that I would get moving expenses, that 3,000.00 could not make up for the pain and the 19,000.00 hospital bill that you are presented even with insurance. I am grateful for what insurance paid. I have been thinking about all this and I have wondered if I could sue for damages. Well GOD will answer that one in due time.

Last week after calling them AGAIN I found out that our modification was denied because we didn't meet the formula. It is very cut and dried with no humanity involved. We are now in the process of hiring an attorney to fight for us. My husband is 84 and has Parkinson's. We have a decent income and can pay a mortgage but we need to lower the interest rate slightly. But we don't meet their formula. Our home has been in our family since 1943 and my husband grew up here. Our children always came here for parties and BBQ's. Now our grandchildren come everyday. We don't want to give up our home.

I have realized that they were so hell bent on foreclosing on my home because I have so much equity. I have record of every email and every record showing how many people I was diverted to, and my attorney has records of how many times they ask for the same things over and over and then coming back and saying the paperwork had expired and asking for all the same paperwork again. I have recently had to go on food stamps and I barely make ends meet and can't even hardly afford to care for my 2 yr old daughter. I'm working a lot more hours and still struggling. I am prepared to take on this company alone in a lawsuit.

During our current troubles with mortgage, I continued to try to communicate, even tried to make payments at times and tried to obtain a loan modification from my lender. Since Dec 2013-Jan 2014, I have called and have been shuffled through customer service in the bankruptcy dept and told no one can help me because my loan is in the bankruptcy dept. I finally get an email from a man, Raymond ** that talked loan modification in Jan, I submitted ALL papers asked for but the process was dragged out until July and he never communicated with me, BUT with him asking questions and wanting answers until finally he says I am denied due to non submitting of paper that was not asked for... This man kept asking for same records over and over, I submitted them again and again.

I honestly think they did not want to work with us because of my unemployment and because of my husband’s little income. I even explained I would be getting a federal gov. job as soon as my security cleared and would be able to get back on track. I feel we were discriminated against. I now have THEIR attorney sending me papers 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 9/2/14 and same story, in bankruptcy dept and they would not talk to me. I even asked to speak with managers, I was told to call back in a week, call back on Monday, etc.. I did all these things.

How can you pay a bill that no one will accept a payment from? How can you discuss options when no one will talk to you? THE ONLY communication I get from this company is when attorney sends papers! They already released to my credit report they have foreclosed. I have reported to BBB, to the US Attorney General KY office, to the Texas Attorney General office of their state.... Even yesterday when I spoke with Ivy, she would not tell me anything but last phone conversation was in Feb. This is because I was trying to resolve a modification with Mr. ** by email which I can send all copies of. I don't want to lose my home. PLEASE help me!

When we call them on Jan 2014 (which we still sent the money to paid it) they told us they don't want partial payment, they want full amount of money that we owe and they threaten us with a FORECLOSURE sign in our house if they don't get their money by the date they mention to us and tell us they are NOT MORTGAGE COMPANY BUT THEY ARE DEBT COLLECTOR AGENCY. They don't even let us talk to other and don't even give us time to talk on the phone. They keep saying, "Sir, you need to listen to us!! You can't talk anymore with us until we get our money! We are Debt collector people." So end up we owe them till Feb 2014 which $5200 plus with all the late fee and administrative fee. So we call for help with my father-in-law. We short the money about $2200 and we paid in full amount. But the every month after the 1st day of each month if they don't receive our mortgage payment they start calling us even actually we are paying our mortgage just not on 1st of the month and harass us.

When they call to the house while my husband is at work and I pick up the phone and asking what wrong they would not let me know even though I am on the account as a person to speak to. I tell them to call back at 5pm when my husband at home but they never call him at home instead they call us at 9-10 PM (Eastern time) at night while all of us are sleeping. Today, I received statement from them saying we owe them for Sept payment while We already sent 3 month mortgage monthly payment (due to my husband layoff we planning to get our mortgage pay for this 3 month since we don't know if he will be back to work or not or the bad thing that I should find a job in this 3 month. We are Single income and have 3 kids still toddler, infant and baby.)

It specific said payment for Sept, Oct and Nov 2014 and their $50 for late payment that they're saying we owe them $6.50 (which we so shock why we owe them because we always pay extra. Our mortgage monthly was $1,243.** and we always paid $1,250.00 so you see there extra $6.** there every month. Where the money go to?!?). The check we send was clear in my bank account on Aug 26, 2014. Today the statement showing that we owe them for Sept. We call the 1888 number... the machine saying they receive our payment about $3800 and the next payment was due on OCT 1, 2014. So where is my mortgage payment go to?!? They said it toward principal?!?! Our principal was only $191 and didn't even bring down our balance much. Right now we still owe them $72.***.**. with interest rate 7.50% and no one will refinance our house even our credit score was NOT BAD. We didn't make a note those $1,250 of those 3 checks are payment toward principal... It should be toward monthly payment. So we don't know what is our right as a customer in this mortgage company.

Before we send these checks, we did call in asking can we pay in advance, they said YES!. Today after I hung up the phone with them (While I on the phone my husband was sit in the driver seat and hear all the conversation) my husband call them back, they said give them 48 hours to fixed this problem. Why we need to give them those 48 Hours when we owe them money they don't even give us time to collect all our money to pay them. Do you think that FAIR?!? This company say one thing for you but they will do something different from what they tell you. They only benefit themselves. We have no words for them anymore. We are so angry right now and feel like our money has been misplace. We trying to make it right for our financial and hope thing get better for us. We struggle and make end meet but we trying to pay our mortgage so it won't hurt my husband credit score due to this matter.

But what Nationstar does to us was NOT FAIR. WE DON'T HAVE OUR RIGHT AS CUSTOMER! IT ALWAYS A COMPANY RIGHT WANT THEIR MONEY. My husband and I looking for a job right now. We are hoping in this 3 months we can get any job so we can get back in financial afford to pay our mortgage (even we will end up have 2 or 3 job per person) without them harassment us by calling in the middle night. We have enough stress already with this struggle financial and looking for a job. We don't need company put more stress into our life. We don't like to abuse the Government benefit system. We still think when we struggle with this there people have more worst than us. We know no one will help us beside our self. So that what we plan. We realize when we plan thing sometimes don't always happen as we want. But what they did not post my payment in my statement and put the payment where should not to or put in toward principal that is NOT RIGHT!!

We work hard for all our money. For them to do this was a NIGHTMARE for us... that a lot of money for us to paid it in advance but we know it will help us at the end of our journey to find a job and when we get the job we won't miss the payment... Please forward this complaint to FEDERAL GOVERNMENT WHO OVERVIEW ALL THIS MORTGAGE COMPANY... We know some of mortgage company are in the problem to such of BANK OF AMERICA have a lawsuit with all the insurance program. We highly appreciate if our complaint can be forward and their people out there also maybe have a same problem like us.

I was with Countrywide originally, then sold to BoA. I got into a predatory loan. This is a whole other story, that to this day is unbelievable to me. The payments went up close to $400.00. I asked Nationstar if it would be alright if I paid the original payment of $1,1652 until the decision was made as to which loan mod I would get, because according to Nationstar, they jump right on the loan mods and get an answer within 2 weeks to a month. I was assured every time I spoke to a rep that my paying the original amount would be fine until the loan mod was finalized. I made the payment every month and on time. Not until I was declined for a loan mod I was told that I should have been paying the full amount of $2,030. Again, WHAT? At that point, I did found a not so easy way to pay the full amount, which I have every month.

I just received a letter to go to court. I received it three days ago and I'm suppose to appear 6 days later. I'm told they are saying I haven't made a payment since 1-2004. I had to go to the bank get my cancelled checks for proof. I should say, yes I filed for bankruptcy two years ago and they want the house back. Point being, they are unethical scum! They gave me no time to prepare and my attorney is on vacation! Now, I will get on to the rest of the story.

Nationstar lies constantly! I can't even articulate the deception of this company! They say, "Oh yes, there will be at least one loan mod that this company can come up with for you. Don't worry"! They said, "Oh yes. I will make sure I stay in touch with you and this will be taken care of. Nationstar is really good about loan mods." Now here's the thing. The rep that was suppose to stay in touch with me and keep me aware of what was going on, never did stay in touch with me. I was told call back in a week if I don't hear anything. Being anxious about taking care of this sooner rather than later, I did as they suggested. I called every week. Of course I wasn't able to speak with my rep - there was only voice mail. I left a pleading message to have them call me back. NO RETURNED CALLS EVER!

I started calling more than once a week, still no returned calls. I thought I had better get in touch with someone, so I called the main number, only to start all over again! I would explain to the new person, who would say, "That's strange, you should have received feedback by now". No, I explain the situation. Again I was assured that they would personally take care of it and they would contact me with an update. Of course no call back, no nothing, even after leaving my pleading message each time. I can keep describing these situations over and over, but just to let you know this went on for close to two years. The last call that I made they said no, there was no loan mod that they could help me with and I would have to short sell or give them the townhouse back.

They were very curt and matter of fact with me. I say that because I called back and spoke to several people over a week span and they all became hostile! I thought perhaps I might be able to talk to someone that was willing to help me - that of course never happened. I did some research and found someone who worked for Nationstar that said this is their practice, to give you false hopes and dispose of you. They just want to have the property returned to them. I was surprised she told me that and in fact said she was quitting, she couldn't take the guilt any longer. She found a job with a credit union, where she won't have to lie as part of the job requirements.

I am furious, flabbergasted, duped and victimized by this company!!!!! By the way, I am in the rear's for $8,000. I told them I would somehow come up with the money if they gave me some time. I was to get a return call. Of course I never did and so here we are. I know someone who has been not paid Nationstar for two years. This person has been living free, their payment is over $6000.00 per month and have not yet taken the house back. My property has gone up in value and they want it back. More money for them! I know my story is long, but I just couldn't hold it in any longer.

REALLY???? The customer doesn't even get the respect of a call back??? I took it upon myself to google FHA and got a phone number. I called them and they were super helpful. They stated to me that the PMI had NOT increased... They were billing Nationstar what they always had. I called Nationstar and once again had to go through the moronic phone system and when I finally got the escrow department, I was told that THEY had to hear this from FHA. They would continue to "reach out."

Finally yesterday, after I submitted a complaint to the CFPB, they told me that I was right - FHA confirmed that the PMI was what it has always been. They "lowered my payment" down to $30 more than it has always been. I asked why they didn't lower it to what it was prior to August 1 - why the $30 increase? They "didn't know for sure" but "probably it was because there was a shortage in escrow from the increased PMI they charged my account from Feb. to August." UNBELIEVABLE. They don't seem to get it that they charged my escrow account in error and that THEY need to credit my escrow account $900 ... It was THEIR mistake ... not mine. Let me also say that my homeowners and my property tax have not increased. This entire supposed "shortage" was due to Nationstar incorrectly debiting my escrow account $90 too much each month. They are an incompetent Rinky Dink operation if I ever saw one and nobody seems to know or care what they are doing.

The Buyer is patient and has extended the contract 3 times, but as of today, we still do not have approval for the short sale, nor any info regarding the closing. They frequently do not answer emails. You have to go through "Equator.com" message boards and tasks that are ridiculous. This company is worse than the "robo-signing" debacle companies. I think they are deliberately delaying any closing so the Buyer gives up and they can foreclose on the Seller. Realtors - DON'T ever take on a short sale if it is managed by Nationstar!! You will live to regret it, I promise.

I am now trying to continue a short sale on the Seller's previous primary home with the same ridiculous process and I am honestly ready to quit RE and walk away. I will estimate my proceeds from either of the sales, IF either one closes will work out to be about 5 cents an hour, not counting the paperwork expenses of printing, mailing and scanning and uploading the 100 pages of redundant documentation they require. They advertise that they are a company you can trust. HA!!

We were prepared to bring $15,000 to the closing to get out of that house (note: we never missed or were even late with a single payment, ever). Having to bring additional money to the closing to pay the property taxes forced us to use money that was allocated for moving, for the property taxes. 30 days after closing we received a check for about $100 from Nationstar, far less than what was in escrow and far less than the property tax bill. I contacted Nationstar and was told that they paid the property tax on 7/9/14, two days before the closing date. This is exactly what Nationstar said they would NOT do.

At the closing, we paid the property taxes as instructed by Nationstar and the title company. Now, Nationstar is saying tough luck and will not reverse and refund the payment that they sent. They did tell us that they see two payments were made, theirs and mine, but Cook County is saying that they only received one! I had to borrow that money from family in order to close with the promise of paying it back as soon as I got the refund from Nationstar. Now I'm screwed.

So following your staff's instructions, I didn't receive my money 24-48 hours after the 18th. So I called on Wednesday and was assured that the payment would be made soon. I called on Thursday and was told there was a mistake but I would be getting the money on Friday or at latest (highly unlikely I was made to believe) on Saturday. So today being Monday and still no money in my account, you can say I am a little upset. So I, the customer, have to call again. This time really concerned that you and your staff have no idea what their job is. I didn't know the biggest investment that I would be making (purchasing a house) would be left in the hands of Mickey Mouse Ignoramus simpletons. I, the one responsible for putting food on your family’s tables, have had to call Nationstar again (5 times) to learn that your staff didn't send the money and that it was cancelled. Was I notified? No. Do I depend on this money to put food in my children mouth? Yes!

So let me get this straight, you and your department have failed me. I have had to accrue charges and late fees in excess of $130 because of your mistakes. Who is accountable for this and when should I be receiving my money plus the money to pay for the fees that are continually accruing? Oh, and if my car payment is late, that will ding my credit report (the same with my utility bills, credit cards, insurance, Timeshare, etc.). Are you then responsible for that as well? There seems to me to be no accountability for your actions or the actions of your staff. If I do not hear back from you immediately I will be getting my lawyers involved.

I work in consumer financing and I know that threatening foreclosure is serious business. I see people on a daily basis who have mortgages much worse than ours with Nationstar and other mortgage companies. I'm sick of the threats. I'm sick of Nationstar not putting the money we sent them where it is supposed to go. This is a SECURED debt!!! That money should not be held in some limbo account just because Nationstar doesn't want to do it's due diligence and post it towards past due payments. I've contacted the BBB but they are useless. I've contacted my senators but they are all facing reelection and don't have the time for the small person. I'm fed up with Nationstar.

I have Ankylosing Spondylitis, Psoriatic Arthritis, Reiter's Syndrome and Pemphigus. My Rheumatologist tells me this stress plus losing my home worries will kill me. Worked for 40 yrs my own dental lab business, 33 of which i was ill. I really have to hold back myself when Nationstar calls and threatens me, tells me they have nice options for me - i.e. deed in lieu, sale of my house, with 2 thousand to move $ WOW. They also tell me to be concerned about my credit rating- oh scary! I need help as we all do. I hope someone is listening!!! Or am i preaching to the persons who allowed this, many to their own benefit. There are many good, honest hard working people in power. I pray they come forth! Thank You.

They also have sent me modification paperwork with completely different terms then my approved modification and said that I needed to sign that. Of course I'm not going to agree to that. I'm now contacting an attorney and my congressman. I will not let them have my house.

Back history: I lost my income and marriage in 2006. I did not roll over I found a second job and now work 2 jobs. By the time I recovered I was behind in payments. I applied for a modification and due to my circumstances was APPROVED for one. I made my payments for over 2 years to B of A on the terms they gave me. Then was sold to Nationstar. Made my payments to them from Sept 2013 to June 2014. Now they are disregarding my APPROVED RECORDED modification and are threatening foreclosure. If they win I guess a Legal Binding Recorded Contract in America with our banks means nothing!!!!

I have a story identical to everyone else, with a minuscule difference here and there. Late payments, loan modification request, lost paperwork, don't make your payments so you'll better qualify for hardship programs, foreclosure process started the very date a Nationstar rep advises you to stop paying. Our home was sold on the courthouse steps nearly a year ago. Twice. Nationstar bought our home twice (it may make no sense to you, and it makes even less sense to me). The constable showed up with our court date, only that was the first we'd heard about it because the lawyer for Nationstar mailed everything that was supposed to come to us to the wrong address (how you get the wrong address for the home you're foreclosing on is truly impressive). The court date was cancelled and that was the last we heard from them. Until about a week ago. That same lawyer wants to know when we'll be out of the house.

I'm having a hard time believing this foreclosure is on the up-and-up. I would love to find out if Nationstar actually has the deed (title, loan papers, whatever it's actually called). I would probably bet my hands that the paperwork Nationstar has is so messed up that it might as well be written in Crayon. Of course, I'm no attorney, so I have not a clue as to how to expose the crap that is Nationstar. But, I do have to give credit where credit is due - families are falling apart, people are living paycheck to paycheck (that's putting a happy spin on things), parents are enduring sleepless nights worrying about what will become of their children and home. For a company that is criticized for being incompetent and employing morons, I have to say that Nationstar is very good at its job. All the employees at Nationstar should be very proud.

For the record, every customer service person I have talked with opens up the incorrectly given account, sees my payments, but NOTHING IS EVER CORRECTED.

In fact, I've been adversely pleading for a Home Modification for over two years now to no avail. I have furnished all information requested from Nationstar multiple times to hopefully be approved for this modification. Each time, time lapsed on the part of the Contact Person assigned to my application, without notification of any sort from the Contact Person, and upon my contacting my assigned contact, I was told that documents had expired, in turn resulting in the Contact requesting the same information again, and again.

Also, the Contact Person either got transferred to another department, without notification to me. I was told that the Contact Person no longer worked there, my information and documents could not be found, with the end result of starting the application all over again. All in all, I have been assigned another Contact Person at a minimum of five times. I was even told by one that I did not qualify due to never having missed a mortgage payment, and that I had to have missed at least three payments to qualify. Into the second month, I told myself that this was not right, so I immediately made the payments to become current and up to date.

I surely met the qualifications of a "Hardship". I was paying my mortgage, and letting my other debts become in arrears. Reason being, I was a Self Employed Insurance Agent, and owned my own agency. The company in which I was a Captive Agent, which means that I was restricted to selling insurance through this company only, was bought out by another company, and the new company required a Contract Change, which decreased my commissions by $28,000 per year.

That, along with my health, began my delinquency with Nationstar, and at the same time my husband's position was abolished and eliminated due to downsizing of personnel. My husband was out of work for over six months, with no incoming salary. During this time, my health took a downward spiral, and I am now permanently disabled, and cannot work. I am now being paid Disability Income through my company, but is only 3% of my base renewal commissions, which varies from month to month, which is a massive cut in an already decreased commission salary.

I am so far under water on my home. My loan is an "Interest Only" loan, which was the best loan for me at the time I purchased my home. I had just come out of a divorce, my credit score was excellent at approximately 800. I qualified for the loan with signature only, and no money down. However, the home's cost and purchase price was $260,000, which I was able to afford with a second mortgage at that time. In the eight years I've owned this home, the value of my home has gone from $270,000 to $129,000 due to the economic demise.

There is no way in this world that I am able to make the huge mortgage payments any longer due to my health, and the drastic decrease in salary. The owner of the company who has my second mortgage contacted me via phone a year ago, and without hesitation, he lowered my interest rate to 2.5%, and lowered my payment to half of what I was paying. He saw my newly late payments, and reached out to me with help. He went to the extent of communicating with Nationstar to try to get Nationstar to see the extent of my hardship, however Nationstar was not interested in helping. I'm sure there must be notation in my file referring to his request.

I do make sure that the second mortgage is paid due to the understanding and kindness of this person. I have requested, and received another, and the key word is "another" Home Modification Application. At this point in my life and health, I cannot go through all of the required information and documentation being submitted, and waiting for another Contact Person to decide whether, or not, to work on my case. I have engaged a Real Estate Attorney, Attorneys, and have been approved to go forward with a law suit via Trial by Jury.

I do not want to travel this route, but at this time, and all the effort I have put forth to get the help I need from Nationstar, my choices have come to this. Also, I would like someone at Nationstar, to know that I am and will make payments that I can afford at this time. I am housebound, and this is the only choice I have. Nationstar is a big company with a very small interest in what those whom are experiencing a true hardship are going through, and are not willing to give these people the help they deserve. Need I say more? There is no reason in this world that Nationstar cannot do something to help us, instead of the required documents being lost, or just plain out ignored.

Sorry for the book, however I am interested in whether or not I receive any sort of reply. The phone calls, also, must stop. My health requires "No Stress", whatsoever, and the phone calls are just an added depression of my health improvement, and my doctors have advised me to ignore the calls. Best regards, and I am sincerely hoping that YOU do read this, and may be able to reply with some suggestions.

First of all, I have never dealt with a company with such lousy customer service. You can never get through to them directly. They website is not easy to use...so I just set them up on my bank bill pay system online to make payments. I do not recommend using this company! I got stuck with them after they bought out my original loan. My situation is still not resolved 2 months later.

Here is the fun part, Nationstar now showed our escrow as having insufficient funds, and required us to send a check to cover the balance. We did this immediately, only to have the check returned to a Miami branch of our bank (we live in Naples, FL). During this time that checks were flying around the country, they began the escrow analysis for the next year which suprisingly showed us with a shortfall, and would need extra payments for the next year. When we finally got the escrow money reinstated in the account, we asked for a reanalysis of the escrow, which took four months to get approved, and involved numerous letters and complaints to the Consumer Finance protection bureau and the Florida Office of Financial regulation.

When the escrow analysis was finally redone, they showed one month with no payment to my escrow. This was of course incorrect as we have had automatic bill pay set up through Nationstar since the account began, and all payments to escrow were made on time. I was unable to get this incorrect escrow analysis corrected, and finally gave up after 7 months of fighting. Worse customer service would be impossible!! They flat out steal your money, refuse to give it back and don't acknowledge your claims as valid. With all the focus on financial firms after 2008 I don't know how they are able to do this. Obviously nothing has changed.

Everything is on hold due to an affidavit I've submitted 4 months ago, and recently submitted it to three different Nationstar agents to their direct emails including negotiator herself Melissa ** and they all assured me that it was being taking care of. Today I find out through the negotiator herself that I still need to submit the documents yet again when she has them in her hands, but it needs to be done through equator, and equator won't upload anymore documents because it's completely full. I understand they have rules to follow with equator but after all their mistakes and clear neglect they put us through, she can easily figure out how to make those documents part of equator in her end but she won't.

Today she tells me I still need to submit them through equator and this is all fine but due to so many submissions, equator system is completely full. I contacted equator support and they're telling me that the only way to be able to send anything is if they can make space and they haven't so I can't move forward, why is it full? clearly because they keep asking for the same documents and I've sent them so many times. My client is not a real estate investor and doing this sale for a profit, my client is in her late 60's, her husband passed away so she has no choice but to sell her home. Please help.

The customer service is beyond poor. They do not see any payments in the system. When you ask a representative a question, they take a pause like a minute or two and you have a feeling like they disconnected. They transfer you every time you call like 5 times. And I would not mind that BUT there is no results from me calling them everyday. I hired an attorney. He works in Florida, since the property is in Florida. His service is not bad but it seems he can not find any solution. Does anybody here resolved their issues with Nationstar somehow? Please share your experience! Thank you.

I landed a position in the seventh month and informed Nationstar, a rep informed me, in an email, that I can continue making the Unemployment Plan payment because my loan is now being considered for HAMP. I was told I was denied for excessive forbearance because I was on a forbearance plan. After going back and forth I asked them for a copy of the forbearance agreement, they emailed an unsigned agreement and then two week later I receive a copy of the agreement in the mail to sign… really after I made the payments they want me to sign the contract?

In a nut shell… I am 40k in the hole to Nationstar. My credit is destroyed. I am being sent demand letters for payment or I’ll received a NOD. I can’t get a loan to pay them off because I now have bad credit, and two days ago Nationstar denied me again for a loan mod for HAMP Tier I, Tier II, and in-house; this is most likely my tenth denial. I was denied for HAMP Tier I excessive forbearance, HAMP Tier II insufficient monthly payment reduction, In-house because my investor does not participate in loan modifications. A few months back I sent a letter to Nationstar requesting who my investor is; their response was US Bank in the Trustee.

I sent a certified letter to the President at US Bank requesting them to grant a loan Modification, they replied in a letter and stating that Nationstar has complete right to grant or deny a loan modification. I did some research and found out that my investor is the Lehman Brothers Holding Group, LLC. I also found out that several of the Board of Directors for Nationstar are former Lehman Brothers Senior VP and Managing Director. This is just the tip of the iceberg; I have every piece of documentation. I have spoken with lawyers and for some reason I cannot get help from anyone. I’ve been in my home for 14 years and do not want to move. Any suggestions??? Thanks.

So the lesson there for Nationstar is it is profitable to screw the American public and they won't be held accountable for their actions. I have no hope that they will do the right thing and this experience has taught me that I will never purchase a home through a mortgage lender ever again. If I can't pay cash or go through a credit union for financing, I will just rent and pray for the demise of these criminals. Long live the land of the "free".

Things to consider: 1. If property is heading into foreclosure, file bankruptcy. Stops foreclosure and judge can look at Nationstar practices. 2. If you call reps, refuse to speak to other country reps. Say you only talk to US reps ( Ask what state rep is from.) Eventually you will get US rep and a recorded response. Ask for reps name & ID. Call next day to confirm any agreement. 3. Do not refinance a govt mortgage with Nationstar. Old mortgage may have better terms and beware of company with a F BBB rating. Better to refinance with another co. 4. Write or email govt. officials & whitehouse.gov for direct White House contact. Politicians are persuasive during election time. 5. Write or email local and national newspapers with your experience. Enough letters will start a news investigation.

BofA is now paying out billions $ for their greed. Nationstar needs the same treatment. These steps work. I once filed bankruptcy to stop foreclosure. After canceling bankruptcy, foreclosure stated again. I filed motions which unearthed deceptive practices. Bank soon gave me full title to house. I currently have Nationstar mtg. Will not refinance. Will not talk to foreign reps and email the media on status.

Then I receive the notice that my monthly payment was being increased due to a deficit in the escrow account. Actually our insurance premium did go up $900 annually due to a flood in our home and the flooring having to be replaced. BUT, Nationstar increased our monthly mortgage payment by $200/mo., which totals $2,400 a year. They cannot provide answers as to why there is a $1,500 difference.

After five months (in May) I called and asked why couldn’t they apply some of the 'lender’s incentive', which was applied to my principal, to the escrow (covering the deficit) and return my monthly payments back to the original amount - where they were more manageable.

A couple of weeks later I get a letter from Nationstar advising that my account is in arrears and a monthly payment is due immediately. Of course I call to find out what is going on. Well, they discovered that I had not made a payment in January. I told them the payment had been made with the money that was in the suspense account. They told me that they had just reversed that entry (nice surprise) …. that the amount had been posted in error. Of course I had a ton of questions about reversing the ‘lender’s incentive’ per se, and how can they do that nine (9) months after telling me TWICE it was NOT an error. They told me it was not a lender’s incentive, it was an error on their part and they were very sorry.

The following month I receive a letter stating they had reversed the amount that had been applied to the principal 10 months earlier. (I guess it took them a month to discover the total concept of their error.) Here we are, the 1st of August …. Aarrrgggghhhhh!! I offered the solution of waiving the past due monthly payment only and they could keep the amount reversed on the principal. I told them I understand errors can occur but when I tried to bring it to their attention 9-10 months earlier TWICE, not only were they not concerned but I was assured by two different people that it was NOT an error. I explained that I think it only fair that both parties take a hit for their error…theirs in the amount of the monthly mortgage payment, mine in the amount of what was applied to the principal. For the time being, they have reversed all charges associated with the situation. Can I get the supervisor I’ve been working with to call me back …. Ppfffttttt!

Additionally, over the months, they post my payment, then they reverse it, then they post it … they also post erroneous amounts, i.e., $122, $10, $456 and then reverse those … our mortgage account is so jacked up you can’t make heads or tails of it …

Yes, I did contact an attorney …. He was arrogant with a bad attitude and demeanor. Can't really shop attorneys due to the consultation fees. Surely, an attorney will step up to lead a class action suit …. ONE CAN ONLY HOPE !! In the meantime, I guess we’re going to have to take a financial hit on % rates & closing costs and refinance with a reputable mortgage company before too much damage is done …

God forbid our mortgage be sold again!!!!!!!!!!!!!!! I wonder if there is any way you can stipulate that the mortgage is not to be sold. It truly irks me that the customer is not contacted and advised prior to their loan being sold. This does not seem like a viable business practice ... especially when it turns out like this and seems to have affected a mass of homeowners!!

We had continued making payments to FDIC, never knowing about the change. They had our phone number, but it never occurred to anyone to call until they could begin doing what they do best: harass and lie. After we got that ominous foul-up settled, we began what has been a continuous series of problems with this so-called "business." The first was the discovery that Nationstar had been adding charges for homeowners insurance that we didn't need, since we already had homeowners insurance. Nationstar never asked about that. They just assigned us to an insurance company in Springfield, Ohio (that they happen to own) and added the cost to our mortgage payment. It took us many weeks to straighten that out - while they held our money - and get the hundreds of overpaid dollars back. Since then there have been many claims that we were behind in our mortgage payments. Those claims were false, and caused my wife and I much distress and hours of trying to communicate with anyone at the company who seemed interested in mortgage services.

About two months ago dozens of realtors began calling us asking if we wanted to sell our home. It was through one of them that we discovered that our loan was "in default." Nationstar was claiming (we discovered through more repeated attempts to contact someone at Nationstar who was in the business of keeping track of money) we owed them more than $12,000! We have never missed a single payment. This is the third house we have owned in our 44 years of marriage. We have never missed a mortgage payment. We have lived in our current home for 17 years and owe only a little over $100,000 on a home which is now worth about $750,000 here in Los Angeles.

Following our initial harrowing introduction to this group of fraudsters, my wife had started making all of our payments via registered mail. Every single payment for every single month was signed for by a Nationstar employee. We owe them nothing, but it has taken 2 months to finally climb the ladder of corporate incompetence to get to someone who works there to acknowledge that facts. Still, the default process goes forward, as the giant, idiotic, heedless machine that is Nationstar grinds forward, chewing up our peace of mind, hours spent on the phone, and lots of money spent with our accountant.

We have sent documented proof - including cancelled checks and registered mail receipts - of their unconscionably unprofessional behavior, but it seems they can't be stopped. Next stop, a personal injury attorney. I plan to file complaints with the CFPB, the Attorney Generals of California and Texas, and possibly the FBI (fraud). At this point, I feel like I'm living in some hell, where accountability and the laws of the land mean nothing.

Remember Senator John Edwards... yes indeed!! I finally counter sued Nationstar... Cost me dearly... but like many of you, this home was an investment in my retirement. My attorney and I have been to court 3 times... NATIONSTAR WAS A NO-SHOW EACH TIME! First, they had a default judgment against them... Then, contempt of court... Now it is up to the judge. Send your complaints and letters to HUD. Treasury dept, your state comptroller, FBI (fraud), all your state reps and senators... Fax your letters to the White House... Numbers are available online.. all the news outlets... Know your rights!!

In the meantime, I continued to pay ON TIME the amount our monthly payment was SUPPOSED to be thinking they would go back and update this. They refused to go back and change anything. So guess what. They reported us to the Credit Bureau as being late for several months, as I was only paying what was supposed to be due so they kept applying that back to the incorrect amount and eventually it looked like I skipped a payment. Now we aren't able to borrow any money or do much of anything due to this negative credit info being sent to the Credit Bureau. Just tried to call and talk to them about this and after being put on hold forever by someone speaking broken English, I was finally told they couldn't help me.

Remind you I have never received anything from Nationstar stating that they was going to foreclose on my house. I was in a modification process. l called Nationstar when I learned of this from another attorney and the rep at Nationstar stated that my home was not On the foreclosure list. She lied because the attorney showed me. Nationstar ain't nothing but fraud, rip off and snakes. So now that I was denied for a modification, they will foreclose on me. I have nowhere to go, don't have family in this state. I'm in the process of calling Dateline TV. This company needs to be put out of business for doing this to people. Hard working people just trying to keep what we work hard for.

Another problem I had with them in February of 2014 was putting my money in a suspense account and then reporting to the credit Bureau that I missed my payment. They say that my escrow went up. (My insurance went down and my taxes stayed the same.) Then they say that when they bought my mortgage from BofA it came over with a short fall but they did not know this until one year after. They claim to have notified me but I never received anything. So although I have been sending my payments to them, they claim it was short and put in a suspense account and then reported to the credit bureaus that my mortgage was not paid!! Damaging my credit! I tried to work with them and I sent them a letter to please review the circumstances and retrieve what they reported to the credit bureau. They sent me a letter back saying that they did the right thing and they will not change it.

This issue has NEVER been resolved. For the months of April-August I have continued to pay my earlier mtg. payment expecting Nationstar to get this fixed. I have been on the phone with someone every week in June and July trying to get this fixed. Every time I call it is a new person and I tell my story again and again. They have taken our payments (May-Aug) and put them somewhere, so now our records show that we have not made any mtg. payments since May. We are also getting foreclosure notices from Nationstar, as well. No one will take care of this issue and fix our problem. Our credit has been ruined because of this as well.

Original Review: July 24, 2014

I have been working with Spencer in the deed in lieu department since March 31, 2014. I continually attempted to make contact with him to see what was going on with my file. Finally on May 7th he told me that Carrington Mortgage (the 2nd) was not cooperating with them on a settlement. I made contact with Gretchen (who was awesome!!) at Carrington and she said no one from Nation Star had even attempted to make contact with their company. She promptly emailed me a letter giving them consent to speak with them. I had it signed and returned to her by May 8th. Spencer also sent the settlement offer that same day within minutes of her getting the authorization. Gretchen was able to put her file together and submit and obtain approval for the settlement and returned it back to Spencer prior to the end of the business day. Things seemed like they were going right along, I met with the inspector on Friday, May 9th and Spencer emailed me saying they were ordering a copy of the title (which I was told was already ordered a few times).

On Friday (5/30) I received an email from Gretchen asking if I had heard anything from Spencer, we both had been attempting to make contact with him now for a couple of weeks. When I finally reached him via email he told me that he was still waiting to get the approval from Carrington on the settlement. I forwarded Spencer's email to Gretchen who promptly replied by attaching his email confirming receipt of the approved settlement documents. Carrington finally received the payment on Tuesday (6/17) and sent out the Settled in full letter to me and Spencer. After confirming receiving the documents he forwarded them to the attorney's office (per his email) to get the final deed in lieu document drafted for our signatures. It is important to point out that I started this entire process because of the letter they sent offering me up to 7,000.00 in relocation funds. Spencer did tell me that since they were having to settle with my second mortgage I would get a flat 3,000.00 in reimbursement funds.

After hearing nothing from Spencer I sent him an email on Tuesday (6/24) asking about the documents. He responded saying he had was "escalating with them quite a bit." I am not even sure what that means, but later replied they would need my (now) ex-husband to sign them as well. After assuring him I could get him to sign the papers I was told in order to save time he would email them to me and I would get them signed, notarized and overnight them back. We waited everyday with tons of unanswered emails to finally hear that they were not ready. This went on until Friday, July 11th, I finally received an email from Spencer with a UPS tracking number. They decided to overnight the papers instead. I was able to check the tracking number and saw that the label had been generated but not sent. I also noticed it was being sent to the vacant house and not my current address. I immediately emailed Spencer and was assured they fixed it, big surprise that was a lie too.

They sent the documents on Monday (7/14) to the vacant house and luckily I was able to contact UPS and pick them up at the warehouse. I was able to get them signed, notarized and returned the very next day. We then exchanged several emails about what happens next and when I would get my relocation's funds. On Thursday (7/17) Spencer said they would sign the papers and then he would overnight my relocation funds out either that night or the next. I went through the weekend and received nothing. After several emails and phone calls (that resulted in leaving messages) he returned my email yesterday saying he would have it ready and email me the tracking number by end of business day.

Today after several unanswered phone calls and emails he finally responds with, "I had management tell me that because of the value and because they paid out the 2nd lien, paying cash for keys would result in a negative value and they would not approve." That is what the entire deal was...it was all lies. I asked to have contact with a supervisor and Spencer responded, "The supervisor was the one who made the decision, not me." I was never told at anytime that I would not get my relocation funds or that the amount would be reduced due to the second mortgage. This is unreal...what a bunch of liars. I don't know how people like this can sleep at night.

Next day, received a call from Nationstar stating we had started modification with old lender, was not notarized legally. We can use this modification or they are offering a program through them. Told caller they sent letter saying we already were in a program..... I was assured I was not in any kind of modification currently. Ok... so exactly what is correct and so are we considered current or default? Apparently Nationstar doesn't know. I wish we could go with another lender!!!!

They have reneged on every agreement, didn't even recognize the modification for nearly a year, which assisted in building up an unpayable "back due" amount. Always requested lots of paperwork they already had, and kept shifting the ground rules underfoot. YESTERDAY THEY FORECLOSED, and for me, it's a death sentence, so I don't mind exposing these jerks as they really are. See the Kindle EBook "Don't Do It!" for a serious look at home equity loans and the companies that "service" them.

I will give them a Pyrrhic victory, one which leaves the taste of ashes in their mouths, leaving them with an unusable mess, and as much bad publicity as I can manage. How I wish we could leave less than a one-star "experience rating." Mine would be about ten stars in the opposite direction.

Now, today the representative from Nationstar tells me that my applications has been expired and now I need to resubmit my original application with new supporting documents to start the process again. Tell me this is not HORRIBLE. Why could not they asked for all papers and changes at once after reviewing. Why do they keep asking papers one at a time, week by week? Starting my timeline and now asking to resubmit everything again. Is there anyone out there who hear us?

I finally received a message left on my cell phone from a rep from Nationstar that could barely speak English (something about ruining my credit). Nationstar owes the loan of $287,000.00 (house is worth $140,000.00) and B of A owes the HELOC ($22,700.00). If Nationstar forecloses on house, we will be homeless. And "yes" ex-husband is a deadbeat in the military reserves. Any help out there??

How did our request for assistance turn a 40 year nightmare? Nationstar is quick to mail you papers showing anything they feel you the lender have done wrong, but never admit their wrongdoing. This is not making home affordable, this is causing you not to be able to stay in your home. We have went from owing $147,000 to owing $177,000 and now over $197,000 practically what the county assessment is. Wrote my Senator and things have not improved this time around. Need help.

Updated on 02/11/2015

Fell behind with our mortgage payments last year due to some health issues. Tried to talk to our dedicated foreclosure specialist but that got us nowhere. Now we are trying to make a sufficient payment on our account and they will not allow us. We called them to let them know we could not make a payment until a certain day and now they have turned our account over to a lawyer to start foreclosure.

Just today I called to make a payment and they want over seven thousand dollars plus attorney cost. We did get a modification a few last year but lost a part of our income that we had when we did the modification paperwork. Trying to save our home but they truly do not care. We have children and one child is special needs, but that does not make a difference to them.

Our mortgage payment is not one that we can pay with one full paycheck, but would be more manageable if we could split the payment and have asked them if we could do this. Here we are 51 years old and the loan was modified to 40 years at over a thousand a month. All we want is to make payment on our loan and get caught up. Calling gets us no where, no one sent us any letters when we fell behind or anything, just a regular statement each month. Hope they are truthful and really want to help, but so far it is just pay us a large sum of money.

I made numerous phone calls in Nov and Dec 2013 to Nationstar without resolution. I checked daily the register of deeds to confirm that Nationstar had released the lien to no avail. Jan 2014, I continued to make calls to both Greentree and Nationstar. In Feb 2014 I got really pissed off and started filing complaints with anyone and everyone I could. After notifying Fannie Mae that her property, that was for sale had a lien on it, lo and behold, Greentree suddenly got their rear in gear and started to assist in resolving this matter (March 2014). Oh, and there happened to be a buyer chomping at the bit to buy the property too. Finally in April 2014, Nationstar applied the settlement funds correctly to my loan and released the lien. But I did not get the 1099-C, the deficiency waiver or my credit reinstated for the months that they incorrectly reported me as delinquent (I didn't own the property). So on through April, May, more phone calls with no resolution.

Into June 2014, finally I made a complaint to the BBB. Finally- I got them to admit they did not apply the settlement payment correctly, they forwarded the 1099-C for tax purposes and Nationstar has contacted the credit agencies to remove the delinquencies. I still need them to provide a deficiency waiver to me at this time. So I am almost there! It has been the longest and most stressful 13 months of my life. I have cried endless tears and contemplated ending my life. This should all have been resolved 8 months ago! So I guess what I want to say is even though these mortgage/servicing companies play their dirty tricks, treat customers like dirt, write and call until you get what you want. Borrowers like myself and the thousands of others who have been jerked around by these companies need to play them at their own game. Keep fighting until you get resolution because they are counting on you giving up! Write and call every possible place you can! Believe me I know it isn't easy, but I am proud to say that I have done it and I am almost there! And I won't stop until I get my deficiency waiver. I hope this helps, even if it is only one person.

We began our refinance with actual Nationstar on 4/17/2014. Since then, we have been through THREE different mortgage professionals. They seem to have a high turnover there. Seriously unprofessional. Our third one, unfortunately, had our refinance dropped on her lap, but she is doing a good job trying to pick up the pieces. Since then, we have had to submit documents eight times. Some of the documents were just re-submissions because the bank statements and pay stubs were out of date. After all, it is now 7/16/2014, three months later.

The biggest problem we had was they were asking for a letter of explanation if we owned a completely different address. The address was down the street from us and they told us it was because we had sent a homeowner's policy with the other address on it. I went through all my emails I had sent, and this was completely false. They just screwed up. Personally, we only really wanted to knock 5 years off our loan so we could save more for retirement. At this point, we would be better off just paying an extra $100 a month and we could shorten it the same without all this aggravation.

A month later, I got a bill for the forced flood insurance. Almost $5000. I don't know who the policy is through but I bet it is with a subsidiary of theirs. What a racket. My LOMA did come through. When I spoke to a rep at FEMA she said your house is clearly not in a flood zone. I said yes but my mortgage company is requiring it. I have faxed the LOMA to Nationstar. I expect they will come up with another issue. I believe they will do anything to charge me more. They need to make money somewhere. If you know of a class action lawsuit against them I may join it as I am sure I am not the only one they have done this to. I am also looking to refinance just to get away from them. They also neglected to pay my homeowners insurance so that policy was cancelled and I called about it. They said yes we have the bill and should have paid it we will expedite it, we will send it out in the next 3-5 days.

My husband is currently on long-term disability, and our income is cut in half. It is a stretch to even pay the first mortgage and all our monthly bills, let alone paying the 2nd mortgage in full. Just today I called Nationstar and there is nothing they can do. The rep said I can appeal and/or get another company to buy and re-finance the loan. Well, since I owe $30K and they've already messed up my credit rating, how in the world would another company pick up this loan?!? This is just causing more stress upon an already stress-filled life with my husband's injuries.

If I do not make my payment before the 10th of each month then they will charge me $10 for payment online and $20 for over the phone. I have spoken to them before regarding this issue and the other day I wanted to make my payment on the 11th of the month. Well of course I had to deal with them over the phone since I was not going to pay $10 to make a payment. Well I was greeted with the convenience fee speech for making my payment "LATE". They wanted to negotiate with me on the fee and after allowing them the knowledge of my original loan terms.

After being told they would waive the fee this time as a service to me, I had to again lash out at them educating them that my original loan terms will not be changed. I refuse to pay their business cost associated with Western Union. I will continue to fight them since my original loan term mentions nothing about Western Union payments and paying before the 10th to avoid a convenience fee. I have always had problems with them. When they first bought my loan, they called me every day after the first of the month telling me my loan is late and they were calling as a reminder and courtesy to me. They are more a debt collector then a loan servicer. SELL MY LOAN Nationstar!

I had no choice but to restart our modification with Nationstar but every time I called them about paper work I've sent in they claim they never received it or one department is telling me that the other department did not update docs or did not receive the requested information. When I call for a status sometimes I run into conflicting information, no two departments really know what the other is doing. Or maybe that’s how it’s set up.

I’m a hardworking father of 4 and now my family of 6 is looking at foreclosure about to be put out of our home. In my honest opinion, I strongly believe this company is only in business to rip families from their homes. Their entire system is set up so families can fail when dealing with them. I can’t believe that while working with them we are constantly receiving letters from their lawyer stating that our home will be sold in August. What will I do with a wife working on her BA full-time, a daughter entering college, 2 daughters in middle school and a toddler who is overcoming multiple medical issues? These people are heartless. Right now I’m still working with them on the new modification. Only God knows what the end result will be.

Nationstar also refused to sell to either of the other 2 pre-qualified buyers. Nationstar continued to harass me and say they were going to do a foreclosure on me even though I notified them of my intent and had the 3 qualified buyers. It was only after I wrote the Attorney General's office and the Better Business Bureau that Nationstar moved forward with a sale. They also cheated me out of money owed to me. I can't believe the government allows this place to continue to do business even though numerous lawsuits have been filed against the company and the complaints continue to be in the thousands. What can we do to stop this and to get another class-action lawsuit against these crooks?

Up to this point, I can say that I am happy with Nationstar. I transfer my monthly payment from my BofA account to Nationstar every month so I have a record of when the payment is made. On the day that the payment is scheduled to go to Nationstar, I check my account online on their website, and the payment is always credited and the site is updated by 1PM on that day.

I have not applied for a loan modification or tried to do something different with my escrow so I cannot comment on that. But what I can say is that I have made my monthly payment every month and have not had any issues with Nationstar.

Unfortunately, the problems didn't stop there. Flash forward a few months and I start getting tax bills (county, local, every place I owed taxes). I call Nationstar and was told that there was money in my escrow transferred from BOA, they weren't sure why the taxes weren't paid and did pay them. Again...annoyed, but fine...as long as they got paid. Let's jump ahead to 2014, the county I reside in has a website and you can see when your taxes were paid. Lo and behold...my 2014 county taxes were not paid. What's more embarrassing is that anyone can look up my tax information if they know my address. It embarrasses me because I have NEVER paid any bill late...I am not that person.

Anyways, I called NS and they tell me that their system shows I am not due to pay taxes until 2015. After telling them that that is obviously not true...I was told they will put in a "work order" and investigate the problem. A few weeks pass and I check my county taxes again and the taxes are STILL not paid! Again, on the phone. This time I was told that it is scheduled for payment and NS will cover the cost of the late fees and penalties (I would hope so). Although highly annoyed, at least it was taken care of.

Today, I check my mail and I have 2 tax bills!! Local and county!! What is the point of an escrow if your taxes aren't paid? At this point, I would rather just put that money in my savings and pay it myself. I refuse to have to call the mortgage company every year to make sure they pay my taxes. This has been the worst company I have dealt with. You do everything right to be a responsible person only to have so done screw you over. If I encounter 1 more problem, I will be refinancing and I would strongly recommend others to explore the same option.

I filed a home loan modification with Nationstar in May 2013 and it took till August of 2013, after tons of emails and phone calls back and forth, before they stated they had everything. Then I called and emailed them every 2 weeks for months in a row only to be told it was in 'underwriting' being processed. In March 2014, I was successfully discharged from Chapter 13 bankruptcy and Nationstar mailed me a statement a few weeks later stating they were not paid in full. I had to email the consumer financial protection bureau several times with scanned copies of my bkk documents to get Nationstar to reduce the $3800 to $1700 to bring the mortgage current.

In April 2014, I also complained to MMI-money mgmt international and they contacted Nationstar on my behalf only to get the runaround for weeks at a time leaving me in limbo. MMI told me on the phone in May 2014 that my mortgage was modified April 30 2014 but had no further details saying my account had been escalated and I had to talk with the escalation people at MMI and then I got more delays and phone transfers to people who knew nothing about my Nationstar mortgage account standing only to transfer me to the next escalation person.

This week I got a letter from Nationstar stating it was in response to my complaint with the consumer financial protection bureau stating if I paid $1715, my mortgage would be deemed current and my mom is loaning me $1715 and I will mail it a certified bank check via USPS priority mail with tracking. Now...about my home loan modification, they said they claimed to mail me the packet in May 2014 and called me several times trying to work with me on the home loan modification. Well come June 1 2014, they said I hadn't responded and cancelled the home loan modification...ugh!

They never mailed me a home loan modify packet ever. I checked my mail 2x a day and never got a thing. They never called me either only to claim on the phone, "Oh yes sir we did, we tried to call you several times in May 2014..." That's BS! I had complaints with the consumer financial protection bureau and MMI and nobody in May 2014 would confirm my home loan had actually been modified. Both the consumer financial protection bureau and MMI had been in contact with Nationstar since April 2014 when I filed my complaints.

Now, Nationstar tells me on the phone today once I bring the mortgage current I can start over and reapply for a home loan modification. The guy on the phone today lied to me and told me 3x promising to email me the packet and guess what, it never arrived...go figure! So I logged into my Nationstar secure email account and complained I want the application. I also had to file brand new complaints with MMI and the consumer financial protection bureau. Nationstar ALWAYS sends me bills stating how much I owe them still to be deemed current but they don't send a home loan modification packet certified mail so they are sure I got it and signed for it...that's really messed up!

Nationstar has screwed me over good. I am a disabled veteran and when I can apply for a VA home loan mortgage refinance with Quicken loans in March 2015, you have to wait one year from bankruptcy discharge to apply, I'm going to do my best to make it happen. May God be with me! NATIONSTAR MORTGAGE IS A CROOK AND A LIAR!

Then after getting back into our original loan for about three months, B of A put our escrow account back in and would not accept our payment unless we paid it in full. Since they would not accept our payment unless it was in full, they foreclosed on us within three months. So we had to come up with a very large payment to get out of foreclosure. We were able to save our house at that time. But since then we were making a larger house payment and fighting with B of A to get the escrow removed.

Then loan got turned over to Nationstar. Since we've been with Nationstar, we have had no issues at all. They have been pretty good with us. We tried to do the modification again but it was not accepted. So we decided to leave well enough alone, then after about a year being with Nationstar, we asked if there was a possibility of removing the escrow account. They were able to do it for us. I think they did it for us because there was a class action lawsuit against Bank of America for putting escrow accounts when they should not have been.

So overall I can't say I've had a terrible experience with Nationstar. My home loan now is much more affordable on a month-to-month basis and we have no problems being able to pay our taxes on our home. It's allowing us to live much more comfortable throughout the year. But after reading all your complaints, I will keep my eyes open, and watch very closely to what is happening with our home loan. I had to put this post up just because I felt that Nationstar treated us much better than Bank of America ever did. Bank of America forced us to make decisions that will hurt us for very long time.

On June 10, 2014 they foreclosed on my home unknown to me. I coincidentally spoke to a customer service agent on the evening of June 10th and again was told that my case was still pending a legal hold. They suggested I go to the court and get a copy of a legal document and fax it to them so they could release my file, that might help. I asked why did they not tell me that for six months. I did get the form, faxed it and called the next day. They said they got the form and were trying to get the file released from the legal department, but I should get a hold of KYHC and reinstate my request for the funds to reinstate.

The next day I was served with papers from a man who told me he owned my home and I would have to leave. I was shocked. He had bought my home at auction. I called Nationstar and they said that they were sorry but they knew nothing about a sale and they were sorry that this was happening but just do as they ask and continue with the process. I have now been served with eviction documents, my house has not changed hands meaning no trustees deed has been recorded and I am now being sued by someone who paid money for my home but does not have clear title.

I am devastated. For six months they lied to me when I could have reinstated and received a modification if needed at that time. Their records reflect every call I made. It reflects what they told me. They lead me on and would not accept my money to save my home where I raised my family. I followed their instructions to the letter and they handcuffed me with their "legal department hold" until they could foreclose. FNMA was the investor. Don't just blame Nationstar, FNMA or your investor actually gives the go ahead to foreclose in many if not all cases. I need assistance to bring attention to my and others cases. This is just wrong. Any suggestions would be appreciated.

Eventually nationstar sent me a letter to start on their expedited payment plan. I gladly agreed, made my normal monthly payment, noticed they started taking the weekly payments, so I knew I would not have to make another large monthly payment. Wrong - Nationstar did not apply the payment until after two months passed, dinged my credit. All while collecting not only the payment but an additional months payment and additional 'servicing' fees.

Later finding out Nationstar started paying my property taxes and property insurance due to not having escrow through the loan modification process when I had been paying for both since 2001. I had never received any document pertaining to this until I requested them. The balance is over $7000 which I'm suppose to pay an extra $700 a month to catch up with the balance along with the mortgage. I could go on and on but the real question is how would one protect or help themselves while going through experiences like the ones at Nationstar.

Now, I have to track down someone in escrow to show them that they are way overcharging me in escrow every month. Luckily for me, I kept detailed records on every call, etc. The other thing about Nationstar that really gets me is the fact that if you fall behind on your mortgage they harass you by sending you a letter every day (sometimes by registered mail) and calling you several times a day. I don't need a letter or a call everyday to tell me that I am late on my payment. The fees to pay your payment online or by a phone representative are also crazy high ($19). Our mortgage was sold to them, and we can't wait to get out from under them.

After more than a year, they finally said that they would modify my mortgage. They miscalculated the estimated escrow cost. They modified my loan allowing them to hold double the amount that it would take to pay my escrow fees. My taxes and insurance cost $2500 per year to maintain and Nationstar is requiring that I hold $5000 in the account. I phoned them to ask about this miscalculation and was told it would be fixed. It has now been over 3 months and nothing has been corrected.

In the meantime, they have placed my account on delinquent status and are preparing to foreclose. I think this "company" maneuvers in such a way as to make it impossible to exercise one's rights under the law. There has just been too many incidents of mishandling of people's accounts for me to believe this is not calculated on their part.

I have spoken to my so-called "single point of contact" probably 2 times. She has never been available and never returns your call. It is impossible to get anything resolved with Nationstar. They pass the buck from department to department. It's not until their backs are against the wall that they admit fault, but then will not do anything to help resolve. These people are manipulative, dishonest and disgusting. I certainly do hope that there will be a class action suit against them!

I guess the penalty for being unscrupulous is not enough to deter this disgusting business practice.

While I was drawing unemployment, I tried to get help from Nationstar, but was told that unemployment income did not count (I am a single mother and the sole source of income in my family). Last year, I received a foreclosure letter, and I had to get an attorney's help to keep them from foreclosing on my home. The attorney told me that she would be working on a modification, and as long as she was in negotiations with the company they could not foreclose on my property. Here it is one year later, and I have just received ANOTHER foreclosure notice on my home.

This is the home that I grew up in, and my children were raised in as well.

After 2 years, we finally got a chance to talk to a local person at Bank of America. We made an appointment and went to their office in San Diego. We took all the documents with us for the 20th time. We sat down and went over everything with the Bank of America representative. The contact person approved that our file is complete and that it will be processed and approved shortly. After about one week we received a letter from Bank of America and Nationstar Mortgage Company that our loan has been transferred to Nationstar Mortgage Company!!! And that we have to start everything all over again!

We have been going through the same scam with Nationstar Mortgage Company that we had to go through with Bank of America. They keep asking for documents, we keep supplying them with what they need, through registered mail, e-mail and fax, to phony contact persons who never reply to us and when we call asking for them, they themselves tell us that they do not have such an employee!!! It is now close to 3 years that Bank of America and Nationstar Mortgage Company have been playing games with us through the scam of either needing more documents or that the documents are getting outdated (due to their own delays) and keep assigning our case no existence personnel. And sending them on vacation and assigning a new one to our case!

When we ask Nationstar Mortgage to give us an address so we may go to their office and present them with the documents they claim they have never received, they reply that they do not have an office in San Diego, or anywhere else for that matter, for someone to go in and present them with the required documents. I believe this is immoral, unethical and must be illegal (and so typical of Bank of America). All the banks and mortgage companies who conduct their business in any state, or a large city, must have a local office for their clients to go in to take care of their business. I think this is time for a class action law suit. We have every single document to show the entire scam of Bank of America and Nationstar Mortgage Company.

Since I am now certain this was a fraudulent contact, I do not wish for them to call me, no way to verify that I am indeed speaking with an actual Nationstar representative. I will be opening a file with the Better Business Bureau but from looking here, it seems to make no difference and that obviously "better business" is not part of their goal.

I write this after having been diagnosed with experiencing a mild case of a typical NERVOUS BREAKDOWN. I am left with the thoughts that this NATION STAR Mortgage will literally be the death of us. I kid you not. Help, we need help. We have done nothing wrong, never missed a payment due to auto debit twice a month which they now refuse to take or accept and have NOW STOP TAKING the payments out. They are causing us to now actually be late due to the fact they will not take the money out. To make matters worst, sent them check directly for the amount they say we are late on and guess what? They returned the check. Do you now see why I am begging, literally begging, for any or all legal advice any of us on here can get..

I was current on my loan and on time with BOA. But Nationstar was showing me 1 year past due. I, then, started receiving foreclosure notices which scared me. I had to find a secure place to live as I was taking care of a sick family member. I moved out of the house. This has been almost two years now and the house is still sitting there in my name un-foreclosed. This company is awful and provides awful customer service. I would still have my home if they would have conducted business ethically.

When I called them back, I was told by the automated system that I was $4.83 past due. Payment is due on the 14th, I made the payment online on the 14th and today is the 17th - THREE DAYS and they don't have my payment posted to my account??? Then when I spoke with someone, that I could barely understand, they said my account was current and nothing was past due but there was some delay in the system when payments are made online. You would think that if they know that there is a delay with the online payments that they would check before they make a call to a customer to tell them that they are past due.

When presented with this proof of payment the Nationstar rep said she would have to check further, because there was no record of the $10,400 in their records. I pointed out that yes there was, because it was on my statement page, and I surely didn't create that page on their website. I told her if this wasn't resolved in 24 hours I was turning her over to the BBB and also making a complaint with the Texas Attorney General's office. Anyone who voluntarily does business with these people is crazy.

The other day she went to the county clerk who found that her name IS on the loan. Again, she called Nationstar and they fought with her that her name IS NOT on the loan. She told them what the clerk said, but they refuse to listen. NOW they tell her that they want her to sign over power of attorney to them. Power of Attorney!!! Are you kidding? What a scam. All she wants is a copy of the paperwork so she can look into a loan modification. Of course, it won't be with this rip-off company, so maybe that's why they are dragging their feet. Everything they have told her is nonsensical. I have no financial background and even I can figure out that a company that withholds information and wants power of attorney is a deadbeat company. This ordeal is taking a toll on my mother's health. She is going back to the county building tomorrow to get additional information from the clerk. My story sounds eerily similar to Steven from Sacramento (June 3).

Two months later, I found out that they had been totally ignoring my instructions. I tried calling and was given the same message about an incorrect phone number. Again I tried using their "Contact Us" page and again I was ignored. I sent them a letter via the U.S.P.S. and gave them my phone number and email address. That, too, was ignored. It was over a month after the letter that I finally got in contact with them on the phone. They wanted me to know how sorry they were for all the difficulty I had and what I needed to do to become current in my account for them ignoring me. They did, in their defense, send me all the information I needed to become current after their nonfeasance. I was the one who ignored them then. I sent in what I wanted them to do. When I apologize, it is because I do something wrong. I expected the same from them. I sent in a "Written Request for Information," in accordance with their rules.

According to their response, none of the things I "claimed" to do was not valid because they were not part of their records. According to them, I never sent them a letter via the U.S.P.S. Fortunately, the Post Office keeps better records. I know the exact day and time the letter arrived there and who signed for in within the company. I told my lawyer to accept their lawyers assertion and the foreclosure that is sure to follow. I showed him my browser history for the number of times I used the Nationstar Mortgage "Contact Us" page. Fortunately, just going to the page shows one thing. Actually writing to them got an automatic "Thank You" response page which also shows up on my browser history. I'm waiting now for the "non-feasance" case to get my money back that I have paid and the money I used to upgrade my home.

Since Day 1, I have kept meticulous, DETAILED records, talked to more than 40 people with no resolution! Errors ruined our Credit ratings. Made both me and my wife VERY ill and hospitalizations. I have discussed, mailed, faxed my complete records dozens of times. Wrote to Mr. Bray, CEO, with complaints and records. Not even the courtesy from his office and no corrections. Complaints with CFPB, Attorneys General in AZ and TX, Texas BBB, Senator Warren and now the DOJ. I have had two past heart attacks and NOT likely to survive a third. Wife spent 8 days in Acute Neurological Center for severe seizures caused all this stress.

If they do steal our home, we stand to lose $40,000 in down payment and buy down - ALL our lifetime savings. Going to TV Investigators to take this public. There is doubt my life has been shortened as a result vocally this unnecessary stress. I am now 70 years old and this has taken a huge toll on our health. I have done EVERYTHING conceivable to clear up their mess, but they are so intractable, rude and disorganized in correcting their errors!!

I haven't heard back from Nationstar and our credit record will no longer let us obtain the best interest rate preventing us from purchasing another home at this time. It has taken me many hours to file disputes with 2 credit agency and the 3rd won't accept a dispute until they receive the negative information from Nationstar. Now I have to purchase a credit record every month from Experian to see if Nationstar reporting incorrect data to them. Nationstar report to Equifax in February and Transunion in March. I can't get a phone number to talk to anyone. I have to wait for them to respond to the fax which I get even get verified that they received it. It is a very easy problem to correct - it is a crime that I have to wait months!

After some time, my Mom wanted to explore some options, such as a refinance, reverse mortgage, selling the home outright, etc. No matter what she asked for, Nationstar treated her terribly. They refused to even acknowledge my Dads death, even after my mother sent them a certified copy of his death certificate. No matter what action my mom attempted to take, Nationstar refused to cooperate, and beyond that, they were JERKS on top of it, treating a woman who recently lost her husband and was facing the possibility of loosing her home of 45 years with borderline hostile behavior and mocking comments. Also keep in mind that every other legal entity (the County she lived in, Title Co. etc. ) legally removed my Dad from all paperwork, the only hold out was Nationstar, refusing to accept the fact that my Dad had passed. So mom accepted that for the time being, she was STUCK with them and their high interest rates (which I am sure they were enjoying collecting and played a part in not wanting Mom to refinance).

Fast forward to the last couple of months, Mom has her home/ranch up for sale, found a buyer, arranged everything, the day before escrow closes, the title Co.contacts Nationstar for a payoff, they refuse! The Title Co. attorney, who is a family friend spent no less than 2 1/2 hours on the phone fighting with these TOOLS and finally, came to some sort of arrangement where they finally admitted that my Dad had passed, and agreed to provide the payoff amount (around $165k)! Keep in mind, WE WERE ONLY TRYING TO PAY OFF A LOAN! Literally wanted to give them a check for over 150K and they are trying to prevent it.

After reading the many many terrible reviews for these 'people', I am not at all surprised, so many have been forced into business with these unscrupulous individuals simply by having their loans purchased without consent. Such action should be ILLEGAL! My parents did NOT choose this company, and we should all have control over who holds our debts, as long as accounts are kept current, which my Mom's always were. In closing, to any piece of human excrement that works at Nationstar and happens to read this, we won in the end, you lost, I am SO sorry for all of you still dealing with these HORRIBLE PEOPLE.

During all this time we kept Nationstar informed as to what was going on. They told us they could not foreclose with people in there. Well, we told them they are not renters but squatters. Excuse after excuse as to why they couldn't foreclose - and offering us loan modification possibilities. Every time we called it was something different. They wanted to know if we would do deed in lieu--we agreed, then they write us a letter we are not eligible because we are not living there.

Today, we called to tell them we got all the squatters out and put no trespassing signs up. They offered deed in lieu again. Now they are saying they offer $13000 cash for keys when we were told before that they are not in that program. This last thing takes the cake - they asked us if the property was clean??? Told them it was trashed from the squatters and we don't live there, we are in Arizona. They said we could be charged cleaning fees. I have never heard of a mortgage company asking you to clean the property, asking you to evict squatters? We had another house go into foreclosure and they came and secured the property and cleaned it up. Sold it at auction almost two years ago. I don't think they really want these properties or they have so many. We just want our name off the deed.

I contacted NS on 5/27. The first rep I spoke to told me that the person who set up the repayment plan did not take into account a $25 increase in escrow. I did the math for the rep and showed her that $25 x 6 = $150, not $3,000. She then said that my escrow had increased by about $200. I again explained the math - $200 x 6 = $1,200, not $3,000. She just said "oh well" and told me she could put me on another payment plan. THIS one would increase my payment from $1,400 to $1,700. I told her there was no way I could afford that, and I asked to be transferred to the escrow department. They informed me that NONE OF THE PAYMENTS I had made since December 2013 were applied to the account. There was a total of $6,900 in suspended funds, but my account was past due and getting ready to go into foreclosure.

The escrow rep acknowledged that I paid the correct amounts and could not explain why my payments were not applied. She asked if she could put me on hold while she got someone from Customer Service on the line. I was on hold for about 5 minutes. Then an automated voice came on the line telling me my request could not be filled at that time and to call back. Then the line went dead. I am in the process of filing for bankruptcy, but I am terrified that I am going to lose my home in the meantime because of this company. I spent almost an hour reading nothing but horrible reviews about NS on this site. While I am not happy that anyone is having these troubles, I am glad I am not alone. This company is dirty, and they need to be put out of business. I intend to file complaints with any organization that will take them and if necessary, take legal action.

After checking the website and seeing that my account still showed that it was behind. I tried to call and found that Nationstar was closed for the day. I called today and found out that the $49.97 was applied to my escrow because even that it was their bad math, it did not cover my account and I needed to pay an additional $51.24 to bring my account up to date. I have paid the amount, which in the beginning, I could not pay because it was not a large enough amount in their system. I have double checked their website and it shows my payment. I am not sure where it will go. This company sucks!! I loved Aurora Home Loans and they were great, but since Nationstar took over, I have had nothing but problems.

Then I am assuming he put me on hold so he could process the payment and give me the confirmation number. During that process he disconnected the line and I was under the impression that we were done since I DID CLEARLY AUTHORIZE PAYMENT ALREADY IN THE EXACT AMOUNT AND PAYMENT METHOD. I then received a call again from another Nationstar representative on April 1st. I was very shocked and upset that the payment on March 24th did not go through even though I clearly gave permission to process and confirmed the checking account to take the money out of. I explained the problem and also said that I was in the middle of two real estate transactions and cannot have a negative reporting to credit. I escalated this issue to a manager who listened to me at length and promised to listen to the tapes and make sure that nothing negative would be reported if in fact events transpired how I had stated. He promised to call me back later that day.

Then my mortgage broker called me on May 13th and told me that I could not qualify for a loan as my credit score has dropped over 60 points since 2 months ago solely due to that 30 day late that Nationstar fraudulently reported. The fact of the matter is that I did pay on time but they failed to take the money. At no fault of my own they reported me as 30 days late. This is now leaving me homeless and unable to buy another house. I just sold the home in question and was planning to buy again right away. I will now have to rent which I am considering taking legal actions to recoup as it is more expensive to find an apartment that will allow a pit bull last minute. That is clearly my damages due to Nationstars gross negligence. I called right away on May 13th and complained again (3rd time reliving this event). I escalated this to a manager again and he listened to the taped phone calls and read all the notes. Then he said that he would escalate this to the proper department and I would have an answer in 5-7 business days.

Today is the 22nd of May (7 business days after this phone call). I have not been contacted as he said by that department. I asked if there was any further escalation I could make use of and he said no. That was as high as I could go. I asked if I could speak to any other person higher up who could help me as I had no faith whatsoever that they would resolve my issue as they had failed 3 times prior to do so when they specifically stated that they would have an answer for me by a certain date and time and would call me and they never did. SO now I have exhausted every possible recourse I have with Nationstar Mortgage. I am now left with the only logical next step being to seek legal action to have the negative report removed as it is clearly fraudulent and to seek to recoup my damages.

So to summarize

- May 13th I called Nationstar and spent over 1 hour explaining to a rep and manager at length my experience on the prior two occasions Manager said he would file a report with another division of Nationstar who takes care of issues like this and promised I would receive a phone call and written correspondence with a result of their investigation into my complaints with a resolution within 5-7 business days. That never happened Nationstar lied to me yet again (3rd time).

The only thing that will be satisfactory at this point is written explanation on Nationstar official letterhead that they clearly made several mistakes resulting in a 30 day late report to credit bureaus. That letter MUST also contain a promise that they have already sent a letter to Equifax, Experian and Trans Union asking them to remove the fraudulent reporting from them on my profile. I MUST receive this letter before May 30th 2014. Any later is completely unsatisfactory and will not stop legal action.

Since we had an ARM at 3% I was getting a little nervous about interest rates. We refinanced to a 5.3% fixed rate which bumped out payments $400 p/m then a couple of months into the new loan we've been informed that escrow needs to have a minimum balance of roughly $3200. So if they pay the home insurance and taxes at the same time they will not have $3200 in the account. To contend with this we needed to pay $400 more per month into escrow. We had around $2900 in escrow from the refinance and it's been plenty for the last 8 years. This company is terrible.

So I asked her then I just have been charged for making my mortgage payment 15 days prior to the due date? All she said is "I understand ma'am but we cannot do anything about it because the system has been setup like that!". I wonder how many victim out there have been trapped into this situation like this? How can a major mortgage firm like Nationstar cannot fix their "system" but point their fingers at the "system" that either being built or operated per their contract and agreements?

Their position was that an appraisal was still required even after I had them read my contract out loud that states automatic deletion requirements. I explicitly said during conversations that I DID NOT WANT TO PAY FOR AN APPRAISAL (knowing the market deficit I would be instantly declined) AND IF I WAS LIABLE FOR THE COST, TO NOT SUBMIT THE APPRAISAL REQUEST. Nationstar assured me verbally that I would not have to pay. Even the appraiser that came to my home assured me that I would not have to pay for the service. I made sure to stress that point before letting him into my home.

Of course the appraisal came in low, the mortgage insurance was not deleted and I decided to refinance with a different lender. After my refinance closing was completed I noticed there was a $500 charge for the appraisal. It buried in the payoff statement. I called Nationstar and demanded the charge be reversed, recited previous conversations to my best recollection but got nowhere. I even asked if they recorded and saved all phone conversations, which they did acknowledge was true, but told me it was my responsibility to prove it. I am still trying to find a way, but they hold all of the cards.

Do yourself a favor and stay away from this company at all costs. They lie, they steal, and then challenge you to prove they did not. I know it is only $500 but it is how they operate in general that is concerning. I have other minor complaints of constant harassing advertising phone calls, etc. but this was the last straw. Consider yourself warned.

We sent them copies of bank statements to prove the payments were not sent late and that they cashed them. They said the payments were late because extra money was due for escrow for future estimated taxes and insurance. Something we were not notified of or received a phone call over. So on August 10th 2013, we just sent $105.46 which was the amount they said was due extra to cover it. But we before we sent the amount, one of their reps assured us that no negative credit reporting would be made to any credit bureaus.

Lo and behold, we checked a month later and it shows 2 months behind. We have been trying ever since that time until now to get this resolved but to no avail. We received a letter from their resolution department stating there is nothing they can do even though we were promised this would not happen. To ruin someone's credit after years of building it and paying mortgage payments on time is unheard of and terrible business practices. When i call, all i get is a runaround. One rep promised to get one month's negative credit reporting reversed but still nothing is concrete.This cannot be verified nor can I get a copy of the letter.

I have left several messages for Jay Bray, present C.E.O. and Harold Lewis - President of Nationstar Mortgage. All to no avail. They will not even return my call. Something has to be done to stop them. We have to unite in some way, maybe a class action suit or something. Any suggestions?

When I started to work on the other from the other property that I only owe $12,500.00, according to them I am 5 months behind and they refuse to answer questions or allow me to make any type of payment, since Jan 2014. The last time I was able to make a payment on line was in Dec,2013. When I tried to make a payment over the phone, I was told it was in the hands of the attorney. When I asked for the attorney's name and number, I was told they weren't sure. From insisting with many phone calls, first I was giving the wrong number a number that was disconnected. Then an attorney that didn't know what I was talking about. Either Nationstar tells me they just sent papers to attorney or the attorney tells me they haven't been able to review file.

Long story short, no one knows what I owe and if I am behind, and what the fees are?? go figure. I need help, I have seen their reputation. I have family members and friends that are encountering the same problems and I can't for the life of me understand how they are getting away with this. This totally illegal. They are debt collector and bullies, I need to know how I can proceed because I refuse to lose my properties, that with my sweat I bought and paid for. I am disable if anyone can guide me it will be greatly appreciated and if I can help someone please feel free to contact me. Google this company there is also a FACEBOOK PAGE FULL OF HORROR STORIES.