Mr. Cooper Reviews

Now that my mortgage is with Nationstar not only have they increased the escrow payments to reflect the increase in property taxes and insurance but they stated expressly that federal law allows them to hold a cushion of “two times your monthly escrow payment”. This means that they get to hold $918.31 of my money as a cushion in the escrow account resulting in me having to pay them an additional $71.97 per month for 12 months to satisfy this cushion, further increasing my mortgage payments.

In all the years that I have had a mortgage on my home, none of the mortgage holders have ever expressly stated this law and neither have any of them ever held a cushion of two times my escrow payment in the escrow account. What is the purpose of the cushion? The homeowners insurance is paid once a year in full so that payment cannot be increased mid-year requiring an additional payment that justifies the cushion. Likewise, the property taxes are set once per year and divided in quarterly payment that are set at the time of the assessment and these payments are not normally adjusted midway through the year thereby requiring additional payments to be made.

Again, where is the justification for the cushion? While Nationstar is hold almost $1000 of my money in the escrow account, would I be paid interest at the same rate they are charging me on my mortgage? I am totally disgusted and appalled that Nationstar is allowed to do this. I would really like to know if this is allowed and if it is why after having a mortgage for over 14 years I am now being made aware of this Federal Law for the first time?

This place demands you be a robot and slave but compensates you for nothing!!! The morale is so bad that everyone tries to get in and get out as fast as possible. Even when you take concerns to your management they are very unprofessional (even using bad language) and then puts the blame on the employees. I have seen it done to countless team members. I can only hope and pray this place gets shut down. But before it does I am getting as far away as possible. Being on welfare is better than working here.

I submitted a Hamp on both first and second; Citibank which was the second modified immediately. We then started making the 2nd mortgage payments. I can assure you I sent approximately 3 to 4 feet of paperwork to NationStar. Nationstar started foreclosure letters somewhere around September. I, being upset, called Nationstar to be told not to worry, that it will stop once modification goes thru. I believe that it was in December of 2012 I started on modification paperwork. We were in modification review so long that we had 5 different loan specialist.

Every time we got a new one, they would require the same paperwork refilled out and all new backup paperwork sent in. I know what the guidelines are after diligent research and each of the different loan specialist told me our income falls right in the pocket for HAMP modification. It was not unusual to have to fax to them 40 to 85 pages at a time. All of this time, I was receiving letters of foreclosure. Two days before Christmas, I get a call that we were denied. This is a year after applying.

My husband drives a truck and I am a freight broker. I requested facts of what they compiled of why we were denied. All I was given was 55. The number for qualification was 31. We have made $2800.00 to NationStar and the previous mortgage company since 2006. I requested back up because I do not believe the review officers knew how to do analysis on our income. So they pushed the foreclosure thru and we are packing. I was contacting them 3 times a week. Until the last month, I called or emailed them 5 days a week. I looked at what we have paid in to our Freddie-Fannie loan. The investors have a very good shot at receiving a healthy return in what is ordered foreclosure and sheriff's sale.

I truly believe they never intended to modify. So word to the wise - get legal involved and back up when they start foreclosure. I have yet to have been presented with the backup on how they disqualified us. I truly think that we went in and out of review 30 times. They would kick it back and say, "Well, we need this," or that when I submitted it so many times, I could recite it. By the way, had they modified as the 2nd did I would not be packing.

They kept on 2 more times requesting stuff. I thought how can they need anything else. I finally was exhausted and just gave up. I couldn't take the stress and came to terms to just walk away. Then talking with someone, who wanted to purchase my house. He re-did all the paperwork with me 2 weeks ago and sent it in to do a short sale. Nationstar had now set up Sheriff's auction and is scheduled for May 7th. He had to call every day and would get no one to return his call and finally got routed to speak to someone 7 days later, and they said, "well we can't do that now because it is just less than 30 days to the auction."

He has been doing these for years and done them in 2 weeks. They can push the sale out one week, but won't. They are crooked and thieves. I have paid more in interest than what my house is even worth in 14 years! Something needs to change, because why are banks making 3, 4 or 5 times more off us than what our houses are even worth!? I will watch and follow up on this lawsuit and have all my paperwork as well, and proof that I tried to work with them, and they know how to give you the run around until it is too late.

I have tried four times to get them to notify the Credit Bureaus that the Loan is paid and send me a letter stating that the Loan is paid and closed without any response. It’s been two weeks they have had the $500,000 and still no action. They had the gall to say that these actions require a special request and it would take two weeks to a month to get done. I thought I was D-O-N-E with them and I am not. They are a curse on the customer and the consumer. I sincerely hope they go bankrupt - they deserve it. I would give Nationstar a minus five stars total and complete dissatisfaction and anger for the worst customer service and arrogant attitude. I am still waiting on them.

Repeatedly we were assured that the check would be sent Monday - no way did they say the form had to be there first. Of course, Monday - NO CHECK. A complaint was issued to our senator's office. (They have helped us with this company before on another matter of their incompetence.) This is Thursday - almost one week later. We called. Now it is going to take 5-7 more business days to process the check. We are livid! They cancelled the first check cut which they assured us they made. Our contractors are wanting their money for materials and are going to quit!!!

This means that the whole process with the insurance company and mortgage company will have to start again. We have been in a motel since mid January. WE are 77 years old and of poor health and basically homeless. Nationwide's giving us the run around. It almost seems like they are holding on to the money to get interest. How many other people are having similar experiences? How much money do they make from this type of financial manipulation? The Federal government should investigate them to find out!!!

Then I tried to get my house refi under HARP. Not only did they waste my time, but they ran my credit a total of three times in a period of four months claiming Fannie Mae wouldn't not take a risk on me. Guess what, I refi my rental under HARP and got the rate and customer service I deserved. Only took 24 days to close. Not one part about debt to income, or too much of a risk. I tried refi my Primary residence with them as well. Same story, continued the harassment, making me basically pull money out of my butt. Went with another mortgage company, closed in 30 days. Not only does Nationstar have unprofessional staff but are bent on making you miserable everyday they hold your loan.

I am lucky that I never was late or had hardship, because I know they would have then downgraded me to trash and continued the questionable and illegal harassment. I am now waiting for my escrow and overpaid to be returned to me. I guarantee you they will screw me over again with that as I finally close this chapter of my life. If you see any paperwork that says your mortgage is being sold to Nationstar just find any excuse to refi, or sell off stuff to get a traditional refi. It will save your sanity.

We DID get our local congressman involved but it really doesn't help for those of you thinking about doing it. Even though our congressman was great about keeping up with everything and requesting the status of our acct numerous times. Nationstar replies to them and lies about everything making it look like we are the problem and not answering them. I have everything written down with dates and times and names of every person I've spoken to so they are only lying to themselves. Also, I demanded the note and they sent us the note on our first mortgage that they don't even service. When we pointed it out to them they sent us another note that wasn't even on our property and then when we pointed that out to them they responded with, "Well that's the one that was in your file"!!

They sabotaged our DIL with Greentree so as a last resort we offered them 10% to settle and release the lien and they haven't replied. You can't even work with these banks... not once have they offered us a modification. They don't want to help you! Bank of America sold these loans to avoid the nat'l mortgage settlement so they wouldn't have to modify or help the homeowners in trouble. These big banks were accused of giving bonuses to their employees for losing paperwork and sabotaging any foreclosure alternative so they could accumulate penalties and fees because this is how they make more money along with other things but when the government cracked down and fined them they sold our loans to a few mortgage companies that aren't regulated and the law didn't apply to. How do they get away with this?

So basically, and maybe I'M wrong but go with me on this, if a judge tells a husband that he has to pay his wife's car payment in the divorce he can just sell the car so he doesn't have to pay. Problem solved and everyone turns their heads and all is good! The banks are the cause of this whole nightmare we are all in and after given tax money to help the homeowners in distress they still just want to take the money and help no one except themselves. I hope there is a class action lawsuit against these crooks and I would love to be a part of it because I am a total victim.

Well, I called today, April 7, 2014. Now they want the whole $3400.00+. I don't understand. The person I need to talk to doesn't answer or call back. When I call Nationstar # and ask, "If I have money, WHY can't you take it???", I get told it's Nationstar's policy. I owe $31000.00 on the loan now over what $1500 short. They want to take my home.

This went on all year, either the paperwork was missing or the signatures would be out of date and I would need to send in updated paperwork. I was very upset but felt that if it would save my home it was worth it. I sent in papers no less than 10 times. In December we received notice that our home was being foreclosed on. On December 23 our home was auctioned off. I am wanting to file a lawsuit as I feel what the company did was illegal.

I faxed Nationstar as well as called and emailed stating we just needed 60 days and we would be completely caught up. I explained the reasons we were late and requested they work with us. We requested that they not touch anything unless we fail to catch up. We heard nothing. So we faxed another letter and called, also no answers. We applied for the three-month trial period as well as filed chapter 13. We had our property taxes that were delinquent put into the payment plan for our Chapter 13. When I log in to check the status of our request for the three-month forbearance I see that all of the sudden we had a negative escrow balance of over $3600. So now our mortgage payment goes up $665 per month.

I asked how they expect me to pay this and they said, "Well, we don't know your situation." Yes you do, you have been informed of the bankruptcy by the court; I have sent letters and called you a million times. Now my attorney is trying to straighten out this huge mess. I will have to pay to amend the bankruptcy and take the taxes out of the payment plan which is more money out of our pocket. Not to mention they told us the amount they would pay if they did so was $1900. They took it upon themselves to pay the $1900 plus the next payment that wasn't even due yet.

I have been on the phone all week with these people and I get nothing but the runaround. I keep hearing talk to your dedicated loan specialist. Well, I did and he had no idea what to do! And I could only get a response from him some of the time. Last time I did get a response, he provided me a new name and number and said, "Deal with her." I have emailed her twice and left three voice mails and have heard nothing back. I have not had one positive dealing with this company's customer service since they acquired my loan from BOA. Our forbearance period was approved so we figured we would use that time to try and pay some of this back escrow so our payments will not be so large. There is just no way I can afford that.

When we got our mortgage we got a 80/20 mortgage so this is only the first mortgage. We still have another we pay monthly. I hope our attorney get somewhere with this company because I am at the end of my rope with them. My husband is a customer service manager and I was a team lead for several years. I can without a doubt state that any company who runs their customer service this way will have no happy customers!

Numerous calls to their "customer service" an oxymoron at best has resulted in nothing. The "customer service" rep promises they will correct the "problem". Nothing happens. This isn't a large sum of money; it only demonstrates the total lack of interest. I'll just wait them out. Someday, when they need to "clear" their accounts, maybe, just maybe, they will realize that they cannot close out this account without following the legal procedures required. Anyone want to place a wager on when?

I am filing a class action lawsuit against this company and would like anyone willing to join me. This company has done nothing but scammed. I am filing a countersuit against them for $300,000 and anyone else who wants to join the class action is more than welcome to jump on board.

Nationstar email alerts and actual monthly statements do not agree on how much is due each month. For example, April email alert displays $530.05 while the actual statement displays $558.15. Nationstar is now recalculating an escrow shortage over a period of 24 months which I did not authorize. In fact in writing I specifically told Nationstar not to do this. At the end of the annual account analysis period there was an overage not a shortage. At the end of the annual account analysis period the overage was not refunded.

Nationstar still has not cancelled my mortgage insurance. I have attempted this since June 2013 and again in writing March 1, 2014. This is in violation of HOPA! My current escrow should be $212.78 (insurance, $1,750 and taxes, $803.41). There is a low point but there is nothing in RESPA or Nationstar's Guide to Your escrow Account that says or allows the escrow to be calculated based on the low point. My annual escrow account balance reflects an overage!

Nationstar has opened, to date, six different complaint files, assigned six different customer service agents and a Dedicated Loan Specialist and still has not addressed any of my concerns. Nationstar recorded incorrectly the tax status of the mortgage insurance. Nationstar has not disclosed who the mortgage insurance provider is. The closing balance from Bank of America and the Opening balance recorded by Nationstar appear to be different. The mortgage insurance payment recorded by Bank of America appears to differ from the payment recorded by Nationstar, for the same period.

Nationstar did pay my taxes on time but it took three phone calls from me, three from my homeowners insurance carrier and two conference calls before Nationstar paid the homeowners insurance. It was received late, the policy was cancelled and had to be reinstated. This is definitely a violation of RESPA. What is my assurance this will not happen again?

Nationstar appears to be administratively challenged since I had previously received two copies of the same letter, in the same envelope, from Ms.**, one of the five Nationstar Customer Service Agents. In recent mail, I received an additional three copies of the same letter, in the same envelope. Ms. ** suggested I remortgage if I cannot afford the escrow calculated by Nationstar but addressed none of the issues. I also filed complaints with my state legislators in Florida. If we do not complain this matter will not be remedied! Also, a class action suit sounds like a wonderful idea. I do not personally know how to initiate one but if someone does, let me know.

On March 26th, that lead to a 3-way call with me, a capitol one manager, and a Nationstar customer service rep. We pleaded for the Nationstar rep to get us to a manager or someone in the accounting department to help us trace this payment. But, she refused saying that that she would submit a report to their "research" department. I was also promised that a manager would "look into it" and call me back. Of course, that never happened. I'm still waiting. Seems that Nationstar is adept at stonewalling even the big guys. I did receive a response today from the research department denying my claim, but the response indicated they did nothing more than I look at my account and confirm that a 20,000.00 payment was not posted to my account. No research whatsoever was done.

So, as of today, I'm still out $20,000.00 and there seems to be no way to resolve this matter. Capitol One refuses to take responsibility since they have "proof" the payment was made and accepted by Nationstar. Nationstar refuses to accept this "proof" and acknowledge the payment. Nightmare. If someone knows a good lawyer who can resolve this matter, please contact me.

Called Nationstar; was on the phone for 2 hours being transferred from one country to the next. Nationstar rep looks at my account and states "I've never seen anything like this before." She would have someone call me back. 1 week later I call back on the phone for 2 hours again. Same response. "I'm not sure what is happening it shows we mailed an escrow payment to you on 2/28/2014." I advised I did not receive it. I was told I had to wait 30 days from mail date before they would resend. Also advised second check on it's way. I asked why didn't they just refund my payment in full when they received the pay off. Crickets... Was advised I would get a call back next day. No call.

I call Greenlight back to advise of the events and they are just as confused as I am. However they do not have a contact at Nationstar to resolve (What??). They have to call customer service. Unbelievable. Was advised they reduced the amount of the payoff due to my payment (What??). Does this mean I am not getting my refund? Does this mean I will be afforded an additional month without a payment to reconcile? The answer was no. I should get a refund. ??? I contacted Nationstar again and spoke to a supervisor who sounded promising.

During one of my calls I was advised to let the first caller know I want to speak to someone in the United States to ensure I got to someone who could see my account in its entirety and can resolve my issue. Apparently this is the cause of my 2 hour calls and multiple transfer. So I spoke to a supervisor who advised I should get the escrow check and the other check and he would contact his executives to resolve.

In the meantime I am receiving all kinds of letters in the mail stating my loan was for the original amount and not the reduced amount and that I have an escrow refund coming. I have contacted Greenlight loans and advised I was no longer able to contain this concern within their company and would be seeking outside influence. 5 days ago I received a letter from Nationstar advising my 1st mortgage payment will be $60 higher than what was quoted in my Greenlight Loan agreement. I will not be paying anyone anything until I get my refund. I believe an escrow account can be created outside of Nationstar to house my payments until this is resolved as not to have an adverse affect on my credit.

I gave them my bank information and was given a confirmation number and hung up, assuming there would be no further issue. What a HUGE mistake that was! Apparently, the person who entered my bank information entered a typo, which from that point on deemed my bank account INVALID! This SAME bank account that I used to pay my mortgage for YEARS to Bank of America and also to Nationstar for the first 3 months, they were telling me is now invalid.

I assured them it was NOT invalid and that they needed to correct the issue on their end, as it was NOT my error and NOT my bank's error, though they tried to tell me to contact my bank (when I did, the bank asked what they could do since the money was in the account and there were no holds on the account - there was simply no reason for them NOT to be able to get to the money unless there was a problem on NATIONSTAR'S end). For months I went through the same thing...ultimately ending up with late fees by the time I got someone to get a payment to go through.

I eventually had to change the way I paid my mortgage all because Nationstar couldn't figure out how to FIX their system that made my bank account invalid, as far as they were concerned - though when I sent a check from THAT VERY SAME BANK to them, they sure cashed it and it was VERY valid! I NEVER paid my mortgage late, not with Bank of America and not with Nationstar (until THEIR issues caused the payments to be a few days late) and I am furious that I was forced to deal with this company. There ought to be a law against "selling" mortgages.... This is a lot of money and I should have a choice in who is handling mine for me!

The next month I come one night and there is a note on door to get in touch with a real estate agent. I almost had a heart attack. I came in and called Nationstar. I was assured it was a mistake, was told they sold my house on Jan. 10th. I was in shock. Said the loan would be rescinded. It took forever and I got a lawyer to read the papers. Everything was filed in July and things were fine. In Aug., I got a letter saying I owed $30,000. Again, I am in shock. Called and they said it was a mistake, and the agent was shocked that when I mentioned modification because he said it was never done and bookkeeping would call in three days. I spent hours on the phone and nothing happened. I told them I would not pay until it was settled.

On top of that, I am a real estate agent and I was shocked to see my house on Auction.com. The stress I have endured is crazy. I found out there was an office in town, wished I had known that a long time ago. I went there and was told they just laid off 100 people and only 20 were left. Not shocked at all. I talk to the manager and she was really sweet. She hopped on the phone to see what was going on. We were on the phone almost three hours. She was really upset, they kept saying all these lies and then said I was in foreclosure. I never had a clue. She told me to get a lawyer and even offered names.

Yesterday, I called to get some documents and my friend did a conference call with me. She has been in the mortgage business for 30 years. She also said she has never seen an operation like this. We finally hung up the phone after 3 hours and 45 minutes. Apparently, they sent three certified letters all on the same day and I never got one. I really don't think the post office can mess up that badly. So now I have to go through the stress and panic of saving my house. I also found out they emailed a modification in Oct. and it was $300 less than the one before. Why were they doing that, I already had a modification. The email looked like spam and no one called. Their customer services sticks. I have way too much equity to lose house, but not feeling hopeful about this at all.

I called on Mar. 13 and was told that I should have the letter in 7 days. I called on March 19 and was told that I needed to wait 7 days from the original "request" to receive the letter. March 24th, I called again and was told that I should receive it on Wed., the 26th. On Mar. 24th, I inadvertently received an advertisement in the mail from a “mortgage consultant”. I decided to call and when I mentioned Nationstar his response confirmed my fears. He referred me to the complaints against Nationstar - unbelievable pattern.

My observations: Loans in overwhelmingly large numbers sold by Bank of America. Was Bank of America complicit in this fraudulent activity? I looked up the executive structure of Nationstar: Bingo! Jay Bray is CEO and Chief Operating Officer of Nationstar. He had "a variety of leadership roles at Bank of America from 1994 to 2000". 4 of the six members of the Board of Directors of Nationstar have formerly had high positions with Bank of America! On Nationstar's website: "Customer Service is in our DNA," "Nationstar is ranked 2nd among the top 10 services for fewest complaints from delinquent borrowers". (How are they defining "delinquent"? What about "non-delinquent" borrowers?)

Questions: Has anyone actually seen them or their offices? Why are they protected by the legal system? How can the United States Government allow companies like Nationstar to operate in an illegal and unconscionable fashion? Where is the accountability? Yet we, who have very little compared to these companies and executives, are severely penalized if we do not make loan payments on time. Is this "Justice"? Request: to be contacted regarding a class action suit. Final Comment: The fact that hardworking homeowners are subjected to this kind of illegal and disreputable behavior is shameful and reflects on the entire business structure of this country.

Now this month, after checking my bank account, I found out that they increased my mortgage payment by approximately $400!! After three (3) unsuccessful attempts to contact them, I finally spoke with someone in the escrow office that told me my escrow account was increased. I did not receive any notification from Nationstar, and she could not eloquently explain why it was increased, other than to explain that the requirements for the escrow account at BOA is different that at Nationstar.

Why was my loan purchased if the terms could not remain the same?? Why should I be forced to a higher payment because of this? I do not understand how these companies are allowed to continue operating, while conducting such unethical and illegal practices. I need to know which regulatory agency to contact regarding this issue. Can anyone provide advise. Thank you.

Now I'll be having to file an extension on my taxes while trying to get this resolved. I've had to take numerous days off from work and HOURS on the phone trying to resolve this issue. There is still no resolution in sight. When I call, I'm on hold for hours, transferred NUMEROUS times and disconnected. I held one day for over an hour only to be transferred to a recording that stated, "We are now closed, please call back during normal business hours."

Well I haven't received my March bill and still hadn't by March 13th. So I had made like 10 calls since 2 weeks before March 2013 and still no bill. I went ahead and paid my bill but still haven't gotten it nor my April and it's a week away. I got a letter in Jan. saying my escrow account was $781 short and they were going to spread it over a few months. I asked is my escrow short. My escrow payments were $489 last year but for 2014 it was a proposed amount of $480. I was like how can my escrow about be lower yet you're charging me $781 more. My insurance didn't go up; it actually went down and they supposedly haven't got that info. My taxes have not went up either. I'm on a fixed rate so I should not pay more.

As of today, I haven't received March or April bill, my itemized statement isn't correct, the FHA, loan insurance papers, never gotten, nothing. Which I said what is that and to whom y'all pay that to and I want the separate information on all that. I'm going Thursday to the Better Business Bureau. I think if someone else buys our loan and there's this much grief about the company, we should be able to switch to someone else for free. Why do we have to pay a closing cost when Nation Star I am sure didn't pay one when they "bought" our loan. I'm in with everyone. Let's get something done about this.

When I moved in with my husband, (then boyfriend) I added my name to the authorized list so that I was able to make payments over the phone. We had to fax in a letter requesting this. After almost 2 years, I still waste the first 10 minutes of every phone call explaining that I am an authorized member on the account and the customer service representatives just finally give up and let me make the payment.

Today, I got on the phone with a customer service representative (APRIL) who seemed like she had never spoken to anyone on the phone before. I understand this is a mortgage company and verifying the identity of individuals is very important, however, she should have gotten a degree in beating a dead horse. The first thing she asked me was for the loan number. Since I do not have that memorized I provided her with the SSN. After giving her the SSN she then asked me to verify the last 4 of the SSN........... Not that big of a deal, but after asking me to verify the home address and phone number, name on the account, my name, etc. she asked me again for the last 4. I just ignored this and kept going.

After jumping through the usual "who are you, you are not authorized on the account" routine, we finally proceeded with making the payment. She tells me that my mortgage payment is nearly $40 more than I usually pay and that she was also going to charge me a $15 convenience fee for making a payment over the phone. *Record scratch*. What?! Mind you we pay over the phone EVERY month and have NEVER paid a convenience fee. When I explained this to her she said and I quote "Oh I am unsure of why you have never paid this, but I will give you a one-time only discount and only charge you $9.99 is that ok? That is the price you would pay if you paid online so I will help you in making that same price."

Being in the military and working with disgruntled people all the time, I never raised my voice and kept the phone call as professional as possible. But I was very angry at this point. I asked her if this was a new process and also asked her to please check all past payments we have made to see that we have never paid such a fee. She continued to push the "discounted price" of $9.99. I refused to pay a fee I had never paid before unless it was a new process but she continued to push the fact that Nationstar has always had that fee. Finally, she gave up and said "Ok I will waive this fee for this month only, but just note that you will have to pay it again next month if you pay over the phone. "

At this point I was so angry, I had forgotten about the extra $40 that was being charged. I re-visited that and she explained to me that this was a late fee. Well, surprise, I have never been charged a late fee before either. My husband and I were both victims of unemployment and also furloughed in late 2013 and fell behind on our mortgage. Little by little we caught up as much as possible and were making payments when we could and were NEVER charged a late fee. I explained this to her and when she looked at the history of payments she said, "Yes ma'am I do not see any late fees before, but they were always paid on time." I am not proud to say that those payments were not made on time during our furlough, however, we still were never charged an additional $40 last year or EVER for that matter.

After an exhausting what seemed like an eternity on the phone, it was my turn to give up and finally just asked her to process the payment. She then asked me for the routing and checking number. Normally this would not bother me, however, we use the same alternating 2 accounts and both are always saved. I told her to use the *insert bank name here* account and she said she did not see it. I told her it is usually there every month did something happen? She proceeded to tell me that they had no record of them ever using that account... I told her "Ok, I will just give you the information again just add it." She was like, "We can only add 1 at a time so I will delete the previous account information and replace it with the new one." I spent another 5 minutes explaining that we use both accounts and to just keep both on file. After giving her the routing number and account number and a long pause, the phone got "disconnected". I was livid at this point.

I called back and spoke to someone else. I explained that I was in the middle of processing a payment and the phone call got "disconnected". This new representative put me on hold for 5 minutes and the call got "disconnected" again. I called back a third time and spoke to another customer representative who explained that my payment went through. This means that the phone call really did just get disconnected, or after processing the payment, the original customer service representative (APRIL) just hung up on me.

I will say that the customer service rep (APRIL Her name is April) was never rude or raised her voice at me, but it seemed as if she was just inventing things to charge me for. I understand it is a business, but a poorly organized one. This company has never made us feel proud to give them money and it has always been like pulling teeth to make payments. You would think a company who prides themselves of robbing their customers would make it easy just to take money from them and not have them jump through hoops. If you are late, they bombard you with phone calls. But when you try to call them back to make payments, they make it the most difficult bill paying experience ever. I cannot wait to switch mortgage companies. I am surprised they are still in business.

The second issue and more pressing issue is, per the loan Note, the servicer of the loan is supposed to give no less than 30 days notice of a change in rate/payment. I received my March 2014 statement on March 3, and the payment increased nearly $400 from the previous Feb payment without any notice. When I called NationStar to why the payment increased without a notice, I was informed I had a fixed rate product and that no notice was sent because the interest rate doesn't change in a fixed rate loan. I asked the Customer Service Rep what was the rate in Feb, (4%) and what it is in March (5%), and she was dumbfounded and was unable to answer any more questions and told me that the rate wouldn't change again until March of 2015. She agreed that the bank has to give a notice on any rate/payment change, but didn't have any answer to why no notice was sent. I demanded to speak with a supervisor since she was unable to help.

After a long hold time, a supervisor got on the line and confirmed that the interest rate did change and that's why the payment did change, but did not know why NationStar did not send any payment/rate change letter. He also let me know that they did not have the Note to the loan, so he was unable to assist me further until the requested it from the previous servicer and see what obligations NationStar has to me. I have a copy of the Note, and it says that the loan servicer has to inform the customer no earlier than 30 days of a change in rate/payment.

I proposed a resolution to the bank of accepting payment for March and April of the payment at the 4% interest rate and start the May payment at 5% because I received notice on March 3 thus NationStar eating the difference for March and April for failure to give notice in proper time without any fees or negative credit reporting. I also demanded for NationStar to show proof of the Note and Deed to show legal standing to service the loan. NationStar needs to abide by the contract they bought into including the modification agreement that specifically states that the agreement does not cancel or supersede the original note except the specific items that the modification addresses.

I have called and requested this document from Nationstar 4 different times; each time I was promised that it will be sent the next business day. Also, Nationstar have stopped sending me my monthly billing statement. Each time I call, they advise me to go online. Each time, I tell them that my internet access is disconnected. Nationstar does not care about homeowners, their family members or following the laws of the land.

It took an act of congress to get the escrow removed from my account, but they still did not honor their agreement to spread out what they had paid out. It is very frustrating. They need to be taught a lesson in telling the truth and making sure their staff is well educated. I never spoke to either of my two dedicated loan specialists even after leaving them both several messages. I was promised that all would be taken care of and no late fees would be incurred. I went to pay this online and they wanted to charge me a fee. I was so mad that I called and refused to pay it and they took the payment over the phone. I had no choice but to pay the higher payment and it is putting a financial stress on my family. I would gladly participate in a class action suit.

My reply was that I was not going to pay for something when I don't know why or what the charge is for. I was told it was noted at Nationstar that I refused to talk with the escrow dept and I told him it should also be noted that I requested my breakdown of escrow in writing not over the phone. ALSO, since it was Feb 28th, I asked when will I get March statement and was told, "I would get it when February amount of $1,100 was paid.." I lost my mind and hung up. I then rec'd March statement on March 8th. I called Nationstar on March 10th and advised their rep Desiree that for the record, I was recording our conversation and I had a friend (who identified herself) for legal purposes.

Desiree stated it was a glitch in their system and March statement was mailed late and she was the first to admit my $1,000 payment can be reapplied for Feb's mortgage. She stated the escrow dept sent an email to an old address that has not existed in 4 years She could not open the email. I told Desiree that my insurance co informed me that Nationstar paid them twice and the extra payment was returned and cash, I want it all in writing to make sure I'm not the one paying for Nationstar's mistake and them charging me for it is not legal... I shared my concerns over the crude and hostile methods Nationstar is using to force me to pay. To date, I have not received a breakdown of my escrow, but is receiving demanding letters and phone messages. What kind of mortgage company is this? Is this collection agency being investigated?

I have talked with fannie may and found these programs are real; got the application forms and sent to nationstar whom rejected the application. Stated income on federal taxes was rejected also. Reapplied-third time and have been informed that they will not accept or process the application due to cease and decease action on their research department. They refuse to transfer me to this department. Monthly payments and statements vary from month to month and now they want me to make lower payments which will then change to statement saying I am short on escrow account. No one at nationstar knows the status of my latest application to apply for hamp- three d's death, divorced and disabled apply to the loan parameters which I think I qualify for -unfortunate but true. Emails are not returned, telephone calls are cut off. I also have taped conversations with nationstar-if they record so can I. Terrible part is I am now resolved to sell the home and move elsewhere. Short sale or just give it back to nationstar- they lose nothing, absolutely nothing since their insurance will cover the loss. Just a bad deal. No consumer agency can help - hands are tied- sorry for being so long winded- simple statement-deal with nationstar and you will get ripped off and get this -----it's legal.

On Principal I am refusing to pay for something I already have paid for. I would not recommend them as they are not capable of servicing these loan they purchased. I was with BOA for 10 years, never escrowed homeowners and never had one single problem with them. Do not do business with them unless you want to be stuck in a circle like I was today for over an hour and still it ended with me telling them I would get a lawyer involved as they are not getting one Penny for escrow until they correct their error. Incompetence is the conclusion I came to.

Brandon, my mortgage professional tells me, I made some late payments. I told him the payments I believe were on time but there is a 3 day delay for processing sometime and I have a receipt to show this to be true. Then he tells me, I have to use another program with more paperwork and I have to pay another 20 to start this process. I explained I don't want another credit report taken and he said they could use the same one. The next day, I get another credit alert another report was taken and I was charged twice by Nationstar on that day. I talked to Brandon about the charges and credit reports on the 3rd of March and today is 17 of March and still no credit back to my account. I have left messages for days, but no call back.

Then they said the house was abandoned, which it wasn’t. I was in an adoption process in which I had to live in King County to finalize the adoption and planned to return home only to find lock boxes on the house. They gave me the code to get in, but I was afraid to move back in, not knowing if they were gonna take it. They moved the sale date to June 2014. I was unable to obtain the luxury bills they insisted on. This process has taken almost a year. If I could have got the luxury bills, then I would not have made enough for payment. They WILL get your home!

They sent me papers to sign and said I was approved. Now 4 months later, I got an email from some company called solution star saying that I need to re sign all the papers. This really has gotten me nervous. Someone told me to go into MERS to verify that I am paying the right company. This is all really confusing to me. Is Nationstar legit? Or can BOA still foreclose?

In February, a different representative in the modification department request that I send my paperwork to him, that he would take care of it right away. I did. I call in early March and there is still not any information on my account regarding a modification. I have written tons of email on the NationStar website. In March, I called again and a female representative suggest that I put my modification packet in the mail (all 85 pages). I did and I had it track. On March 12th they email me with my "Loan Specialist". I sent her an email and I copied the NationStar website. I did received a voice message from the Loan Specialist requesting that I email her my packet. This would be the fourth time of me sending my personal information to people I do not know. (BankAmerica sold my account to NationStar, I'm a resident of North Carolina and NationStar is in Texas). I did not send my documents. I received a response to one of my emails to contact the manager or assistant vice president. I responded to the email that I will not because at this point the manager and assistant vice president need to be contacting me.

At this point I will be meeting with my Senator's office and filing a complaint and since the company is doing business in both North Carolina and Texas, the Better Business Bureaus for these state will also be notified. I will be filing a complaint with the U.S. District Court against the employees who request that I forward my information to them and nothing ever updated on my account. This is identity theft. Are these employees paid below minimum wage? Their professionalism is below that of a 12 year old.

Two months later, we did not receive a monthly bill again. I called Nationstar and was told that I did not receive a bill because the payment method had been switched to electronic payments. I asked how this occurred again without a request being made by us or without us being informed. The customer service representative was apathetic and rude. She refused to answer my question after I asked several times, and still refused to answer me even after I asked her why she would not answer my question. She would not allow me to speak to a superior. She stated that I could pay my bill over the phone with no "convenience" fee for doing so as long as the payment was made by the first. Never mind my in-convenience for their mistake, again. I did pay my bill over the phone before the first. I gave verbal authorization for Nationstar to withdraw the specific amount of our mortgage payment. Again, they read the amount of the bill to me and asked for my consent to withdraw the specified amount from my checking account. They did not include any additional amount or ask me to provide my verbal consent to an additional convenience fee, but I was actually told that there would not be an additional fee for paying over the phone. Two days later, I received an alert from my bank that Nationstar had withdrawn $15 in excess of my monthly bill.

I called Nationstar again, and was lucky to reach a nicer person this time. She admitted that Nationstar withdrew the extra money without my consent, and that the fee was charged not only by an error of Nationstar's, but also that we should not have been charged a convenience fee because the only reason we paid by phone was because Nationstar failed again to send us a bill. The customer service rep said she could not assure the money would be returned to me or credited to me at anytime in the future.

While $15 does not seem like a lot of money, by principle this is very very lousy business practice. I don't see how it is legal to take money from somebody's bank account without their permission. Furthermore, this $15 that was taken without our prior consent or knowledge could have caused our account to overdraft or go below the minimum balance, which is even more costly than the original $15.

I don't see how a company can continue to get away with causing so many consumers financial and credit damage. We have made every payment on time throughout the duration of our loan. It seems as if Nationstar is hopeful that people will miss their payments. THIS PLACE INFURIATES ME! They ought to be shut down.

We began to shop for a refi which we were successful in obtaining. It takes a while to close so in the meantime we have received at least 5 calls a day. This is harassment if you ask me. We have been paying the mortgage payment and the interest but because Nationstar refused to credit and instead put our money in a suspense account (or apply it to escrow) our account according to them is late. Now they are tacking on late charges. The last piece of documentation my lawyer needed to close was a payoff statement. It took them 3 days (of me calling) to get this. When I did, I was shocked to see I have been charged 3 months of interest. I have made our payments on time so there is no reason why I should have been charged 3 months. I should have only been charged for the month of March. They also have compounded late charges. They refuse to work with me on any of this.

I am disgusted and am really happy that we are refinancing with another company. We also have a rental property that was sold to them. We will be refinancing that one next. Even if it doesn't save us any money - it is worth it. Good luck to anyone who has to deal with these crooks.....

I had made a payment for February on the fourteenth and then again on the 28th for March. I continued to receive debt collector calls from Nationstar. On Monday the third of March I received a statement saying that my monthly payment was now $816.23 more a month and overdue. I checked my bank statement and they had taken out for two payments so I called them. I was told by Natasha the debt collector that my payment went up and then she transferred me to the Escrow department and I was told that my yearly insurance payment had increased and was over 8,000 a year. I then was transferred to the Insurance Dept. and was told that she had no copy of my insurance payment and would have to obtain one. I asked if she didn't know what my insurance payment was, how it was determined that it went up to 8,000 a year to which I received no reply. She said she would get a hold of my insurance company and call me back.

She called back and I was told to call back in a couple days, this is after I had been on the phone for over and hour. I called back in two days and after an hour on the phone was told that they would quit harassing me by calling to collect a debt and that I was to disregard statement saying my payment had been increased and that an error had been made on their part because they figured $8000 a year for insurance instead of $887.00 a year. I was then told to call back the following Wednesday to make sure things had been resolved.

Today, March 12th a week later, I receive a call at 9:30 am from Nationstar telling me my payment including the $816.23 more was due today and did I wish to make payment over the phone? I asked to speak to someone in the escrow department after explaining to them what I had just went through the previous week. Maria in the Escrow department after over an hour on the phone tells me that my payment is now $120.47 more a month because of shortage in escrow of $1,424.44. She cannot tell me why there is a shortage and says the only thing she can figure is that when we refinanced there was not enough taken out for escrow when closing. She then refers me back to collection officer and I ask to speak to loan officer who closed on our loan and am told by green light loan officer that they need to email Nationstar and find out what's going on and they will get back to me.

I am disgusted that I was told today that I should just go ahead and pay the $120.00 difference a month to make up for insufficient amount. Why would anyone refinance their home to save money, pay over $4500. to do so only to have to pay $120.00 extra 5 months later because someone made a mistake when refinancing our loan? I told Nationstar I thought it was kind of fishy since a week earlier I was told to pay over $800.00 a month more and if I hadn't argued it they would have gladly taken my money and not cared enough to find their error and now a week later I am told to pay $120.00 extra a month because somehow escrow account is insufficient and they don't really know exactly why....So after over 3 hours on the phone since this all began I still don't have answers as to what exactly is going on and will have to continue being harassed daily until this matter is resolved...

It seems to me that I have been getting the run around on purpose to cause me to get behind in my payments. After doing a little bit of research I can see I am not alone. It looks like this is just how they do business and us homeowners are stuck in a hard spot since we had no control over our loans being sold. I am now afraid that I am going to lose my house since this company seems to not have any business ethics. I finally said that I was fed up and filed a BBB complaint against them. After reading about all the complaints and investigations coming from New York, I'm glad to know that it's not just us homeowners that have concerns.

Original Review: March 12, 2014

From the start in July 2013, the modified loan documents were missing, albeit the modification was acknowledged as established fact, over the phone. I was told to proceed with making my payments, which I did electronically from my bank. After 2 payments, I was notified that those payments were being held in a suspended account. I also realized that somehow my loan was being tracked 2 ways: 1) according to the old, superseded loan, which had been behind by 4 payments, thus the modification, and the payment was ~$140 higher. On that, I monthly received a default letter. Track 2: the documents were missing and eventually I was asked to re-sign copies of the original modified loan documents in October.

In the interim, I'd send the payments monthly. NS would send them back. I'd resend, etc., etc., until November, when we agreed on a pause in payment until the newly signed documents could be entered into their system. All along, I'd contact my "dedicated loan specialist" of the day. I had about 6, several times a month, because my payments came back, my statements were wrong, and I got default warning letters. I was told not to worry - this would all be cleared up as soon as the documents were properly registered. On December 19, I got a call to immediately make 2 payments to bring my account up to date that day, or else (?), whatever, which I actually did. I then resumed payments and made up the remaining returned payments in January and February.

As of last week, I am still getting "debt collection" calls, insisting that I am 2 payments behind, which I am not, and that I owe some $ 5,000 from the missed payments that HUH took over. Of course, the default letters still arrive promptly every month, and are "signed" by that same loan specialist I'm assigned to, and can never reach by phone. As of today, I have sent off a letter to her, describing this same situation, listing the date of payments and returns, and attaching copies of my bank statements as proof, with an earnest request that she straighten out the situation. The alternative will be that I finally will seek legal help. Now I'm waiting to see.

It is now 3/14 and my modification is STILL NOT DONE. I have provided document after document, explanation of document, fresh document because the first one was too old, you name it. I am scared to death they are suddenly going to deny and foreclose on me. I have had good experiences with customer service though, even spoken to some who concurred that it was insane how your case could not stay with one underwriter who could actually complete the process. I have read all of this now and I am very concerned and pray for resolve!!!!!

After 15 months (10-2013), I called to see why my Mortgage Insurance was not decreasing. They told me I would paid over the whole life of the loan. Incorrect from many financial individuals and companies. They still have yet to get this corrected as they would rather increase than decrease. Your MI never increases. Two months ago (1-2014) I made a payment. As usual, I take screen shots and check the pending payment section. No pending payment after I just made it, but its okay. I had the screen shot and confirmation number. Waited THREE DAYS and then called and they state there was no payment. So, go and make another payment and obtained another screen shot with confirmation number. Well, funny thing was that night the first payment was deducted from my account and then the next day the second was deducted. I called them and provided the screen shots and I got "We will correct this", but then again I have a letter stating they want their money. Hello! You were only entitled to ONE PAYMENT!

My daughter sent in a check Feb payment of $1478.10, a few days passed I called to see why it was not posted to the account. They told me an error was on the check, they were returning it then took her bank from her. The next day the check was cashed then they sent a letter informing me that the payment dated 2/6/14 drawn on Western Union was returned for reason: No Account/unable to locate account (they took the info and then cashed the check so the funds were not in the bank to cover two payments). Then charged me $15.00 dishonored fee. The letter further states that as a result of two or more returned items within a six month period a check block has been placed on my account. I have never have a check returned so I am clueless. To date they are still telling me that no payment was received from 1/1/14.

Nationstar has too many departments doing the same work but they are all on a different page. They refer you to their website but when you send in a message they emailed back saying please call and then I will be on hold for ever. I am experiencing a temporary hardship and need help but from last Oct. I called and informed Nationstar for a Forbearance Plan; to date I have not heard from them. I now have the house on sale so that I can sell and move just to have peace and no more calls from Nationstar.

When I tried to setup the automatic payments, the latest you could pay was the 5th so I called again and could not get any real person to speak to! So I got an Idea I used another phone which wasn't recognized by their computer and when they asked for the policy, I didn't answer that question, BINGO a real voice! By this time I realized they were a bunch of crooks! In My Humble Opinion these people do not belong in the mortgage business! Please let me know when this lawsuit begins. I want in. There is a group called OPPT that says these mortgages are illegal we all have been duped and lied to.

From what OPPT says the money for the mortgage did not come from the bank, it came from an account setup by the government in our names called the Strawman account, a trust that was setup by your birth certificate. So let's get this correct, when we signed the mortgage agreement it gave the agent POWER OF ATTORNEY over this Strawman account and they took our trust money to purchase the home! What this means is the Bank never loaned us the money! We all paid with our own money, are you all starting to catch on? Then they sell your mortgage signing your name without your knowledge or consent which again is fraud!

OPPT is telling everyone to file a UCC-1 Financing statement which gives you and I control over this Strawman account also know as the Treasury Direct Account! And stops these agents from touching this TDA. The next step OPPT says to do is Discharge this debt with the Accepted for Value process! A friend of mine did this and a month later he checked the bal. on the mortgage, guess what? The Bal was 0. The mortgage co. tried to intervene. He asked them for every document with respect to this mortgage and also asked them to produce the "WET INK" contract! They couldn't which means they do not have any authority to our mortgages!

Everyone starting to see where I'm going? I suggest everyone look into the Strawman or OPPT and read or listen to the videos. All I can say is once you use the UCC-1 you are in control. Please check them all out before you accept any deals with mortgage agents. BTW every last one of these mortgage companies is and will continue defrauding home owners. One last thing OPPT won its case in court and proved the Mortgage system is pure fraud! Your mortgage was paid in full when you sign the original contract!!!! which was destroyed immediately after closing. Wonder why hint FRAUD!!!!

Original Review: March 10, 2014

We are under water in our home and contacted Nationstar in March of 2013 to pursue a loan modification. After three months, they denied us both HAMP and standard loan modifications. We then decided to short-sale in August of 2013. Within a week of listing, we had several cash offers and we accepted one that actual offered $10K more than our asking price. The buyer opened escrow and we submitted the package to Nationstar. Then we did not hear from them for three months. After numerous escalations by our realtor and many phone calls, they have responded by asking for re-submission of forms we have previously submitted twice. Their inaction has caused this short-sale to roll into 2014 and now with the Mortgage Debt Forgiveness Act not extended, I face a tax bill of $10K-$15K in 2015. I know that when I began the process in August, they had received a flood of new mortgages from B of A and perhaps that has overwhelmed them. However, we continue to suffer due to their lack of responsiveness and incompetence.

My payments were being send to principal and then I would get a $84.00 late fee. I would call and they would do some changes and apologize then a $10.00 fee would show up. Each month the same thing!! One "customer service" gentlemen (I use the term Customer Service loosely) replied to me "hey at least your principal is going down". So then I began paying the full payment on the 1st and additional fees near the middle of the month. And...they began holding that payment and when I would pay the 1st of the month payment, they would make the the payment and but applying it to the previous month!!!! Oh My God! I called in January, when I received a certified letter stating that they are foreclosing for no payment for Dec, Jan.

I made full payment on 12/5 and a 1/2 payment on 12/15, then another full payment 12/3, 1/2 payment 1/15 and full payment 2/4. Ok..They took my 1/2 made in Dec. and my full payment made on 12/31 (which was for 1/1/2014). And applied it to principal!! You know why?? Because the system can't handle two payments in the same month!! So, when I paid the rest of the payments they went directly to principal!!!! I called and an agent "fixed" it, told me to make an additional payment for Feb.

So I did..what happened? Well, my "extra" payment went to principal!! I go to make my March payment on the 7th and showed I was late for February. I tried to refinance and discovered that I had 10 over 30 day lates on my credit!! Per Nationstar records, I have made every payment not late! I called again spoke with a Manager and requested that my account be fixed in a week. Lates removed from my credit with in a week or I will obtain a lawyer! So, if anybody wants to join in my law-suit...Let me know!

Original Review: March 6, 2014

BOA sold our account to Nationstar as well as many have said. My experience has been a frustrating nightmare from the start. BOA raised my payment due to escrow increase, so I changed my homeowners deductible and sent the reimbursement right back to BOA as additional escrow to lower payment to original balance. That's when I was sold to nation-star. The payment never changed back and money was in unapplied funds. Then the fees started, then got behind couple months before found better job. But by then the foreclosure notices came and fees and more fees. Applied for modification at their suggestion......last year. Filled out all paper work but somethings always missing. They say "one more" it never ends. Tried to settle with them amount behind on payments....oh no! they just added 2700$ in att fees and said no. They are foreclosing while supposedly applying for modification. They are trying to steal our home!! Sounds like I'm not alone!!!! crooked banks and CEO's get bailouts when they should be doing time in Gitmo!!! I suggest everyone get an attorney!!! Tell everyone about this very dishonest corp.!!!!!!

I asked them to tell me who owned my mortgage? Who is the investor who owns my loan? They could not even answer that question. I know that is ILLEGAL and who would I make a complaint to? I wish this company would be put out of business. It is a waste of consumers' time to deal with those scum bags at NATIONSTAR MORTGAGE. I hope that they are forced to close because they are the same type of people that was involved in the mortgage fraud with how they operate. I am a advocate for them to SHUT DOWN!! It is now 3/2014 and I still have not received the Escrow Analysis or the Escrow Overage!! I want my extra money that was overpaid..

I had not been late with a payment in 13 years, but after suffering a family crisis I was late with 3 payments. When I called to make sure my payments were posted a recording only acknowledged one. I was able to speak to a representative who assured me that all payments posted, but that their computer system was only able to acknowledge one. Because I have not received any paper statements I'm not sure whether everything I paid has posted. It does not show online. I'm hoping everything is okay, but now, after reading everything I read, I'm VERY concerned!

I spoke to Randy In the bankruptcy dept and he said several things first he said that they had old software, then said that someone accidentally credited it wrong, then said I had a NSF on my account dating back from three months ago. I know I never had any because I paid the exact amount. I now have to dispute that to. He was also very shoddy and didn't want to admit that they made a mistake, he did tell me like all the others he had put in the correction. Again nothing. I'm under tons of stress already. This has to be the top worst Company I ever had for my mortgage loan.

I didn't even have a say like so many other people my loan was sold to them. After this, I call them back the following week to make sure it was corrected. Sure enough it still wasn't. This time I spoke to Hoviar or Mr **. He seemed nice and helpful, assured me that he would fix the correction. Again nothing. And now its been over a month and my mortgage is late! Not to mention they keep arguing with me about sending me my statements which I haven't gotten, but have records of every single transaction that has been paid. And they never mailed me my tax forms, so I could do my taxes. It is now March.

We are now approaching the 4 year mark with absolutely nothing processed on the foreclosure. We have been offered the opportunity to modify. My wife and I have seen the neighborhood and have no desire to live there. We have asked to do a deed in lieu. Nationstar says we have to list the home for sale for a min. of 90 days. I just want them to get the foreclosure over with. My wife and I have since returned ourselves to better times financially but because its taken so long our credit is terrible. I could have been more than halfway back to a decent credit rating and the ability to purchase a new home. But, instead the major hit to our credit hasn't even begun. This is ridiculous! Meanwhile the taxes and interest continues to pile up against the house which was scheduled to be auctioned off four yrs ago. I think this should be illegal. Does anyone have any experience with this? How was it resolved?

Nationstar first told me that my new payment would be 275.00, then they said it would be 375.00 with tax and ins. on it. I told them that's fine so I signed the contract. For about 6 to 8 months went by then my payment went up some. I didn't think much about it and kept making payments ........ Well after a year they forced my payment up to 466.03. I kept calling them and asking why. They said to pay escrow. I told them that was all taken care of in the paper work. He told me "you signed it, deal with it" and then he hung up.

A few months went by and I couldn't make the full payment of the 466.03 so I sent in 400.00, and then I kept making payments on time in full and about 9 months later they send back the 400.00 I sent in and they called me and said that they have to have this amount of money, otherwise they wasn't going to accept anything lower than the amount I was told, not a penny less. And I told them I didn't have that kind of money ..... So I continued sending payments as I should only leaving me only 66.03 behind but now they will not take any money from me at all ..... They have sent back 4 house payments and they tell me that I'm behind 4 house payments when they had them they sent them back . So now the house is in foreclosure when it is not even my fault . I honestly feel they are discriminating against me because I am disabled and low income ..... and for that they are running me out of my home ... so I'm writing this just to see who really cares or to see who can help me yes keep in mind I have no money.

In the end, between all the various resources I had to contact and use, I spent close to 40 hours of effort to finally get it removed from my loan, plus the taxpayer cost of FEMA. I figure what happened was someone keyed it in wrong since anyone could see it was not even possible for me to be in a flood zone. So, all they had to do was actually listen to the customer for once and it could have been swiftly handled.

So, I wrote their Consumer Affairs address, and, they basically said oh well, we fixed it, too bad. Never mind the cost to me on this. They are awful, completely ignoring any concerns or facts one may have. They simply ignore you and show zero interest in helping a customer. I was a customer not by choice, but by the selling of my loan. I can promise as long as I live, I will “never” do business with this company again. Unfortunately, I am stuck with them for the life of my loan. Every monthly statement will be a reminder of how much this company cost me.

Then the economy slowed down and I got behind one month and had been behind for over year and a half. All this time they were tacking on late fees and another fee, that they say was for someone to drive by and see if we had abandoned the house. Then after all this time I was told about a repayment program that was and had been available to get caught up. WOW, I could have been caught up but instead I have got in a bind and missed 2 more payments. Guess what, there is a second tier modify that if do not get they are going to foreclose on my home I built with my own hands and owned out right till I got in bed with them.

Also I did not receive the January statement until February 1st, and am still waiting on the February statement only 6 days before it is due. It is not even available to view online. I tried to contact them by phone which was near impossible, until I picked an option deep in the phone automated system. Of course the person I talked to had to transfer me to the escrow department. I sat on hold for 30 minutes only to be hung up on by the system. This is a nightmare of a company.

Letting Nationstar modify my loan was the worst mistake I have ever made. They failed to include my escrow in my modification causing me a 10,000 shortage. What company makes this huge mistake, so they send me a letter saying your payments will increase $400.00 a month. Excuse me? Where am I suppose to get this extra money from, after all isn't this the reason why I modified my loan. I've since then been in foreclosure, still there, I've lost my car, all trying to afford this mortgage. Do I walk away, I've tried to contact lawyers. They say it's too expensive.

How can Nationstar make a mistake so big. This was a domino effect, foreclosure letters, loss of car because I couldn't afford high mortgage and car payment. I just want out of this mortgage company, does anyone have any suggestions how I can fight and make them responsible for their mistake. This is where my family and I live, this is where my family bonds. And to imagine such an important aspect in my life, your home. Nationstar took my American dream from me.

We have now closed and we are almost to March and I still have not received any payoffs on my cards, no one has answers for me and I have been given the run around as to where the money is and why my payoffs are not done considering I closed in Jan. I was told to contact a manager that would be sure to follow through and I have been waiting for him to call me back for 2 weeks now after leaving numerous messages. I have never been so stressed out in my life, not only am I showing a late mortgage payment but also late on my cards because no one would respond and when they did told me the payoff was sent. So now my loan is in the research department that apparently there is no number to contact anyone there so I sit and wait and my hands are tied. There is nothing more I could have done on my end.

Now who will fix my credit? I was told in an email that the company would absorb some of the costs and fees as well any accrued interest for this past month, I asked for that in writing and to see exact numbers as to what my loan would be credited and when I asked now the woman doesn't know what I'm talking about. I have the email saved so I have done all my work. All the fees and closing cost I have now for what? Interest I have paid on a loan that nothing has been done with or late fees on my cards and mortgage, all because no one was honest about their mistakes.

I finally called the closer today who doesn't even work for Nationstar and he was able to tell me the status of the payoffs they are funding today, I was told they funded well over a week ago. Absolutely the worst experience I have ever been through, inconsiderate employees, no return phone calls, no answers to your questions, I have asked to speak to managers and supervisors and have not been given any other contacts other than the one I have contacted for 2 weeks straight and still have yet to hear from.

I have a three ring binder full of correspondence from these clowns. It got to the point I sent everything certified mail. I am now looking around for a local servicer for this mortgage. I have post B.A. education, and let me tell you, these folks can give you a run for your money.

The next month, late charges again (statement only shows current info & is generated between the 18th-21st of each month) by the time I called about my statement my mortgage it always showed paid. After 3 months of calls & writing letters and faxes. I received a letter dated 2/03/14. I called immediately upon receipt & was told the extension given on the letter did not exist and the person whose name was given as my 'Dedicated Loan Specialist' was no longer assigned to my account and not available to speak with. The person I did speak with "Ms. **" informed me that this 'program' I enrolled in had nothing to do with Nationstar, she knew nothing about it. Going on to tell me it was through a third party and any agreement in regard to payment dates did not apply to my account with them. She went on to say I was responsible for all late charges applied to my account. She did not care to hear or rectify the on-going late payments caused by whatever agreement I had entered into.

She did not once - nor did any other representative from Nationstar, mention my account seemed to be missing a payment (Nov 2013- which was drafted in Nov but posted in Dec 2013) and simply making a payment now would rectify any future late charges. I had to figure that out on my own after 4 months of phone calls, letters and faxes. Now I have to find out what if any impact this customer service nightmare may have on my personal credit. I feel I was fraudulently solicited for a program I believed was through my lender - or at least through the current mortgage loan servicer. I was misinformed about the program and about my account and its status. Not on employee to the 5 minutes to look into my account & rectify it. Why should I be responsible?

I explained that I wanted to see this in writing and I was told "not to worry about the payment until the records were in order". I was called a liar and an unworthy customer. The next month I received a statement of payment (of the late charges only). I questioned the charges and was told that I missed x amount of payments and a late charge was tacked onto the payments. The payment that I sent the previous month was not included. They told me it could take up to two months to post. This went on (the letters, payments, and calling due to false charges) for 4 more months. I decided to do a search on NS mortgage and not to my surprise I found out that this was happening to multiple folks. I decided to go back to my lawyer for help. Filed chapter 13 in Sept. 2013 and they have not sent the record into the courts as of yet.

NS had 60 days from notice to turn in the records. Also, I paid 30000 off of my mortgage while under chapter 13. Had the house since 2000. Bought it for 78000 and the last statement said I owed 86000 (this is not counting interest). Before I went to my lawyer I was threatened with foreclosure. Having lawyers in my family helps. I was told that foreclosure cannot be filed unless you are a year behind in payments. They threatened me (while not posting my payments) after month 6. I will be meeting with my lawyer on Wed. to discuss our next step. I will post what I can. Stay tuned!

Month after month they told us they needed more paper work. We never had the same representatives twice. They strung us along. We then were served foreclosure papers but telling us they were still working on our app. In October we were told we didn't qualify. We contacted a lawyer and in order to buy time he had my husband file chapter 13. We are in a mess and nothing we can do about it. The house has occupied by my husband for over 20 years. I don't feel they should be in business.

Today, I thought I was getting close to a resolution, they SAID if I sent the letter showing there was no escrow when they assumed the mortgage, they would cancel the escrow. But, I just came home to a silly voice-mail from the young lady I spoke with, referencing my "condo" and "flood insurance". I don't have a condo and we're not talking about insurance!!! Why did Bank of America sell our mortgages to this dumbass outfit? If I sue Nationstar - which looks all but unavoidable - I think I will attach BofA to the lawsuit. Americans deserve better than Nationstar!

When I looked online and seen that the over payment amount was showing as an unapplied amount I called and asked why and they said they had never approved me a repayment plan and that they would never even set up a 6 month one. So when I told him I received a letter in the mail saying, "Congratulations on being approved for a repayment plan," and that the letter showed the amounts due and the dates and everything, I told him I would send him a copy, he very rudely told me he didn't need a copy because it was garbage. I asked for a supervisor who told me to just pay the amount on the letter and everything would be fine.

I just called because my last payment for the repayment plan cleared the bank and it still shows the overpayments as an unapplied amount and I was told they calculated wrong and I still owe another $100. So I said "this has been a mess and if I pay that $100 then what. "They are going to tell me there is another mistake and they need more. I said, "this is my house, you people keep changing things and messing things up," and she said, "I need the extra $100 what do you want to do," and I said, "I want to talk to a supervisor." She said, "my supervisor is not here today, you have a great weekend" and hung up on me!!!!! I have never in my life dealt with such rude and unorganized people. This is my house that I am living in with 2 children and they just really don't care!!!!! Every single person I have dealt with has been rude and told me a different story they have no clue what they are doing. What do I do now???? Is there a way to change your mortgage company??

I don't find out until I'm on hold for 30 minutes waiting to talk to numerous people again... They go through and review everything and guess what, it is all there! Funny how the dedicated agent could not figure that out... So then the new person says its under review and we get a new agent. The process starts all over again... Now we are on our 4th packet b/c they let the documents expire! Do they just not care about their customers? Horrible customer service and company all the way around. They do not care about us one bit...

I wish there was something I could do to save my home and my son's home, but Nationstar is determined for me to lose it. As many complaints is there is, is there some way we could get someone to investigate this company? They are a joke and I don't want to give up, but they are a company you can not fight because they are unorganized, unqualified, unprofessional, and my list could go on and on. I hope one day soon I get a letter or email saying a big lawsuit has been filed against Nationstar and I hope they go under quickly.

Oh I was told that they are not allowed to e-mail. WHAT! That is the way this world is today! Never in my life have I ever been treated so poorly! This Mortgage company is way too big for what they can handle. Very poor customer service. When you call you get automated everything! What happened to talking to real people. If I could move my mortgage over I would but because of my bankruptcy I have to wait to years. Believe me I'll be out of there as soon as I can. I will not say one good work about this company - period!

When we refused to refinance with B of A our mortgage was given to Nationstar. I called to make payments in advance of the due dates to make sure they were posted correctly. In September 2013 we paid Oct., Nov, and Dec. payments months ahead of schedule. The payments were posted correctly, though they charged a $12.00 fee, for what we don't know. We were also to receive $227.00 from our escrow account that was overpaid. That money was not received for months until I complained. They gave no reason for not sending it.

In December 2013, we paid ahead again for January and February 2014. We followed the same process we were provided previously. We received no confirmation or statement until January 28, 2014. It was for February 1st due date, which was already paid. We should have received a statement for the March payment. The 1098 for mortgage interest paid was enclosed and incorrect, because it did not include the additional month of interest. I called Nationstar and informed them they had cashed the checks in Dec. 2013 and not applied the payments correctly. I requested they apply the payment as the check and note previously sent had stated.

I also requested a revised 1098 with the correct amount of interest paid. I was informed the February payment was put toward principal. My note had clearly stated, "February payment, NOT PRINCIPAL." Two separate checks with January 2014 and February 2014, had been cashed and misapplied per their own procedure provided. I was informed I would have to call their tax department to see if I could obtain a revised 1098 since they did not consider the February payment moved until 2014. I asked them to write down a term and share it with their legal department, "wrongful conveyance and misappropriation of funds." I was informed I had to talk to a tax professional. I am a tax professional. I needed them to appropriate our payments as specified and correct our 1098.

I then asked what happened to the monies due us from our over collected escrow account. They had no reason not to send it, since our mortgage has remained "paid ahead." I was informed it would be sent. I requested additional interest be paid since they held our money for months. I doubt we receive any. I spoke to another individual, named Paige, on January 30, 2014, to confirm they, in fact, were complying with our requests. She stated a request for the revised 1098 was pending and a check would be sent for the overpaid escrow monies. We have not received a proper accounting of 2013 interest paid, nor the March statement.

Our mortgage was turned over to a debt collector, which NationStar is, and I don't trust them at all any more than I trusted B of A. B of A had refused to accept payments ahead, and threatened to have me removed from the premises when I complained, they had to. At that time, I had to go to the main branch and talk to a branch manager to get them to apply payments forward. Now, I can't be sure Nationstar actually moved our payment or will send us a statement for the March payment timely since we did not receive the erroneous February statement until January 28th.

Terms come to mind in reference to this loan servicer like:

Misappropriation of funds, because they failed to follow their own procedures to our detriment of time, money and stress.

B of A appears to have refused families dealing with hard times that tried to get assistance with more affordable mortgages. I feel, they tried to drive these families to foreclosure so they could take their homes. For the families that actually saved their homes, they transferred their mortgages to Nationstar, a collection agency. This immediately puts a bad mark on credit scores making it near impossible to refinance and get away from their, in my opinion, deceptive practices.

In my opinion, it's time for the government to get involved and investigate Bank of America practices and Nationstar's, and put an end to the greed of these institutions. I feel CLASS ACTION LAWSUIT is the only way to put an end to the deceptive practices, in my opinion.

Repeated attempts to resolve the issue were met with the same result as so many others here: being passed around from one department to another only to eventually be dropped and left to start the whole call-in process all over again... only to be dropped again... and again... and again.... Now they've decided to pre-pay my Home Owner's insurance. I had already paid my insurance and my check was cashed by the insurance carrier only to be issued a new check from the insurer reimbursing my payment and a notification that Nationstar had paid the premium AFTER I had already paid it. Now, Nationstar has added that amount to my monthly payment, as well. I understand the mortgage company's need to protect the property from damage (in the way of insurance) and from tax auction. I get that. But they really need to do a better job of communicating with the homeowners whose loans they are servicing and to be more responsive to legitimate concerns and complaints regarding their errors.

I'm not sure that they (Nationstar) are malicious or of bad intent. If you read their bio and how fast they've grown in the last two years, it is reasonable to conclude that it could be possible that they have grown more quickly than their ability to properly service those accounts with which they are charged. Given the amount and similarity of complaints against them; however, it might be equally reasonable to have some form of government audit of their business practices to identify problem areas and to correct errors, make the proper adjustments and to stop being so sneaky and heavy-handed. Playing "fast & loose" with people's homes and futures is no laughing matter, particularly in these trying times.

If this is a true auction site, then when the gavel drops the property should go to the highest bidder or the seller should withdraw the property immediately and notify the buyer. Instead Auction.com forces the bidder to put down 5% immediately and they hold this money until the Seller decides to accept or reject an offer. 5% doesn't seem like much, but for properties that are selling for hundreds of thousands... it is a significant amount of money. There is a Facebook page for anyone who has faced this issue to make your opinions heard by Nationstar and Auction.com, www.facebook.com/nationstarauction.com. Like it and leave a comment or story.

My last statement they have onsite is April 2013! I'm seeing a similar problem with all my financial institutions. When you call you get someone who either doesn't speak English well or who appears to be incompetent. I believe today's work force is very challenged in work ethics compared to prior generations. So I blame BofA, Nationstar and our society for the growing incompetence out there.

Late mortgage payments can cause a serious blemish to you credit score, which I do not want. I never had this kind of problem with B of A and have always paid on time. I am interested in joining any class action suit against B of A for selling our mortgages to Nationstar.

I had tried for 5 months to do a loan modification. I sent in my paperwork had a tracking # etc. I would receive a letter stating I was missing docs. Then I was told to fax the docs in. I kept records of fax conf. I would call and be told they had all they needed. Next week I was told I was missing docs again. This went on for months telling me it was in review only to be told send and fax again and again. This went on for months. Finally I was told I needed to start over because my information was not current. I felt like the right hand didn't know what the left hand was doing. They test you to see how long you're going to try and win. But you never will!

With companies like this, there is no wonder this country is in trouble. They should not be allowed to remain in business. I am a very organized person and keep good records but none of that matters. They could careless about helping customers. But if you're one day past the first of the month and they don't have your payment they will call you everyday and 2 or 3 times a day. I wish I had a choice of where my mortgage was sold to and wish Nationstar was not benefiting from all the interest they are receiving from me. If there is a law suit filed against Nationstar I want to sign up! They need to be put out of Business today.

When I asked the "agent" for a detailed explanation, all he could tell me was that it was for additional interest. When I asked to speak to a supervisor he said, "Hold on"; and HUNG UP. I called back and went thru all the questions over again and; again asked for a supervisor. The "agent" said hold on and I did; no one ever came back to me after a wait of about 30 minutes. I again called with the same result! This time I put the phone on speaker and worked where I could hear. NO ONE EVER CAME BACK after about 90 minutes!! End of the story... I called back and got 4 different "agents" on the phone and they ALL PUT ME ON HOLD WITHOUT EVER COMING BACK ON THE LINE!!

P.S. All "agents" were... YOU GUESSED IT... INDIAN. Nationstar is the absolute worst experience I have had in some years.

Then they switched me to paperless billing without my consent. I didn't think much of it since I just paid my bill online through my bank's electronic billing system anyway. Suddenly in January of 2014, after months of nothing from NatStar, I get a "Guide to Your Escrow Statement" which says that I now owe them an additional $256/mo for my property tax escrow, which they paid for me in full. Since they had cut off contact with me, I wasn't aware of this payment by them and the subsequent charge they were adding to my mortgage because of it. Sure enough, I contact my county treasurer to find out NatStar paid my taxes for me without telling me, and is now demanding that I pay them back to the tune of $256/mo in added to my mortgage. By the time they sent me anything, they were already considering me behind in the schedule. I, of course, would have had no way of knowing any of this had happened.

I called NatStar. And, yes, like the rest of you, I was on hold for long periods of time, sometimes having them drop my call. When I finally spoke to someone, the first rep said he couldn't help me. He forwarded me to the "escrow department" where the lady there was very rude and lied, stating that my county requested them to pay my taxes for me. I demanded proof of such request and she said she had to forward me to the "tax department." Tessa in the tax department was actually nice. I explained to her that I have never had my taxes escrowed in the past and that I always paid directly to my local entity. She suggested that perhaps it was because the BoA mortgage was an escrow, but it wasn't. Then I demanded she produce written evidence that my county requested their payment of my taxes. She looked into the account and found that there was no correspondence of any kind from our county, nor was there any notifications sent to me from NatStar (as their policy requires). From what she could see, there was no reason for them to have switched my account to an escrow account.

Unfortunately, that's where the help ended. As with all other issues I had with them, she "opened an inquiry" and told me I needed to call the infamous "Research Department" in 7 to 10 business days to find out what they learned. I already know that will be pointless from my previous experience. What's worse, after I hung up with Tessa I went straight to my County Treasurer's office. She explained to me that they have received another complaint about NatStar. She verified that they did not make the request nor would they in my case.

NatStar was just blatantly lying. NatStar literally hijacked my property taxes and is using it, I presume, as a way to put more financial burden on us with the hope that we default and they can sell off our house. That's my assumption. We do know for fact that NatStar deliberately paid our tax bill for us without any solicitation on my or my County's part. What other reason does NatStar have in taking over this bill and then trying to force us to pay them back, if it isn't to try to push us into foreclosure? My County Treasurer is calling NationStar to formally complain and request they leave our residents alone. However, with the mess of a Call Center system they have, that complaint will no doubt fall on deaf ears.

I'm going to try to get my taxes back, as I would rather pay directly to my county rather than be a slave to the whims of NationStar. But I can only shudder at the prospect of endless calls, messages and emails as I try to get a year's worth of property tax payments reimbursed. I don't see that ending well given their terrible track record for customer service. They sought this debt for a reason, and it wasn't to give it back to us.

NationStar needs to be investigated by the feds. Is there anyone participating in this forum that can give legitimate legal counsel on how to stop this corrupt institution? In the meantime, I have no choice but to spend my time trying to get a refi with another institution just to try to get NatStar out of my life.

Lesson learned: NEVER deal with a lending institution that doesn't service its own debt. This mess started when we bought our first home and didn't know to ask such questions. The local bank sold our mortgage to Countrywide, who went belly up. Bank of America bought Countrywide's debt then sold a bunch of the mortgages to NationStar in 2013. We never saw this coming when we sat down with our "friend" at the bank 7 years ago!!

That is only one of the issues that we have with them, then it goes to not sending us statements some months, putting us automatically on electronic statement without our authorization, continues automated phone calls at all hours of the day for payment when the payment have been done and the list keep going. This company is ridiculous and unprofessional and should not be in business. We are looking to involve legal matters if they don't fix all this problems. Year 2014 is to look for another company.

Unfortunately, they have made multiple mistakes on our loan. Misapplying extra principal and/or escrow money even after I spoke to them and correctly filled out the remittance which specifically has lines for you to enter the dollar amount and what it is for. I also had sent an extra check for a shortage of escrow, as like everyone, our taxes and insurance went up. It took them almost 3 weeks to deposit the check (which was shocking done the day after I made a phone call to complain).

We are now waiting for our latest monthly bill, which has not been corrected to show that there is no escrow shortage (so our monthly payment would remain the same as last year). Here it is one day away from the first of the month and nada. We're also patiently waiting for our end of year statement so we can also get our taxes done. On the website it says it will be available on 1/31, which is required by federal law. I'm so fed up with this company that I'm currently looking at refinancing just to get away from this company. I feel everyone's frustrations.

I have applied twice for a modification, both times I have waited over 90 days for a decision all the while trying to maintain the outrageous mortgage payment to stay current. Both times my file has been closed due to "missing paperwork". The first time I gave up frustrated beyond belief, but after I was notified that my payment was to increase by another $800 in December of 2013, I applied a second time for the modification in October 2013 hoping that it would be approved before the new payment took effect. This time I corresponded with a customer service rep via email every 2-3 weeks to ensure that nothing was missing and that my request was being processed.

After 7 months of making the higher payment, I have drained my savings and have missed the last two payments while waiting for an approval. On Jan. 17, 2014, our property inspection was completed, all paperwork was accounted for, Nationstar was processing my application and we were to be notified by Feb. 11, 2014 of their decision. I emailed my customer service rep Cristine again and asked for my point of contact, since she was clearly aggravated my continuing to contact her and she gave me to a new person to contact, Pamela. On January 27th, I received a notice of pre-foreclosure and contacted my new service rep who informed me that my file had been closed a second time for missing paperwork, and there is nothing she can do except open a new file. Pamela would give me no explanation, no opportunity to find out what was missing, if they had requested it or when.

She was rude and hostile and told me that if I wanted to continue the conversation with her we would start from the beginning with a new application as all my paperwork was now out of date. She informed me that she was not responsible for what transpired with my last two applications and made no apology for the fact that I have contacted them bi-weekly following my application or for the fact that they never notified me or gave me the opportunity to supply them with the missing info prior to closing my file and that because I live in Washington state, she is not permitted to call me directly. She also never emailed me or sent me notice that she was my representative or that there was missing paperwork but that was also my fault apparently. Mortgage modification with this company is an outright scam and a stall tactic at best.

I have never in my entire life been repeatedly broken down to tears of frustration and met with such blatant cold, hostile and uncaring human beings in my entire life. Pamela has since not responded to a single email question or call requesting general information about my loan like who owns it or if PMI is built in. My husband and I have lived in this home for over 16 years and never missed a payment until December of 2013. We re-built this home after a fire destroyed it in 2007, it is the only home our children have ever lived in and it means everything to us. We have invested ourselves in it for nearly two decades, it is our forever home and not one single person at Nationstar cares what happens when they adjust your loan beyond your means especially if they can auction it off from under you and get a quick paycheck.

We are consulting a lawyer but given the lack of cooperation we have been met with thus far I am frightened of the outcome. I genuinely hope and pray that one of their victims follows through and files a class-action suit against Nationstar; there are thousands of borrowers who have stories like ours who will take part.

For the last three years, I have received cancellation notices from our insurance carrier. NationStar collects the monies for the premium, that are held in escrow. They are responsible for making the yearly remittance. They insist that they do not receive the statement from our insurance company, but when asked about their lapse, do acknowledge that they are aware of the due date. The insurance company has verified addresses to send the statement, and insist that notice has been sent. It seems to me that they are using our money for their own purposes until they are harassed by our insurer and us.

Several weeks ago, they called us about refinancing. I explained to the solicitor at the very start of his sales pitch that my main concern was getting out from under the PMI premium. I told him, that like many people who bought in the 2006-2008 time frame, we were probably "underwater". He stated that a new appraisal would not be necessary. After most of an hour of him tossing numbers back and forth, different terms, 15 year fixed, 20 year fixed, different interest rates,etc., etc., he told me that because it was a Fannie Mae, there was a formula he had to use for assessing the value, which of course does not take into account the land, water well, septic, outbuildings, and so forth. In the end, whatever money we would have saved was more than cancelled out by extension of the PMI for the foreseeable future.

I would end this by stating that we have NEVER been late with a payment and always pay more than what is required. These people do not believe in treating their customers with any respect whatsoever. We are nothing but cash cows to be used and abused.

Well that was accurate after a fashion, the end of November I received a letter stating the loan had been sold to NATIONSTAR! Didn't seem that bad as after contacting BOA, they told me that the modification as well as the servicing of the loan had been sent to Nationstar and that Nationstar would contact me on or about January 3 as the effective date for transfer was Jan. 4, 2013 but I should receive a billing statement from Nationstar late December 2013. I contacted Nationstar on January 3, 4, 5,and 6th of January and they still had no information for me about the loan.

January 8th I received a letter stating my payment was late and they were going to charge a late fee in addition to the original payment. I called Nationstar and explained that they had informed me that they still hadn't received the loan and was informed that they had on January 3rd and just hadn't got the information uploaded at that time. I also explained that by the terms of the loan the payment wasn't late until the 16th of the month and was told they had to abide by the original terms and the late fee would be dropped and allowed me to make the payment. I asked at that time about the loan modification and was told there was no modification paperwork sent to them by BOA. I told them that the process was started with BOA and I would send the paperwork to them via mail. I sent the original packet "Certified mail".

After getting the confirmation receipt I called once more. The person I talked to claimed it was never received! I stated to them that I knew that it was due to having a receipt and told them even what time it was received. They still claimed it must have gone to the wrong place and gave me an address to send it to. Accepting that this could have happened I resent the packet to the address provided by the service rep "Certified Mail" once again. Once again when I got the receipt I called Nationstar and asked if the packet had been received and was told that it was but would take 5-7 days to upload into their system.

During the month of January the Social Security dept. also determined that they were paying me too much and reduced the disability by 1/3 really putting me in a bind. Regardless, To make a long story short, for more than 1 year I have been trying to get the modification to at least go to underwriting at Nationstar. Every time I send documentation it is either lost by Nationstar, the incorrect document, out of date, or needs clarification. I have several letters stating they have all the documentation they need only to find out 1-2 weeks later they are still missing documents I have to believe that Nationstar, as a company, is either PHENOMENALLY INCOMPETENT or, that they are not in the business of servicing home loans as much as FORECLOSING them. I do understand what others are saying about never getting the same person two times, I have had 6 single points of contact so far and no one knows what the other is "supposedly doing".

I informed him that a foreclosure date has been set for 2/5/2014 and he ensures me that if I submit all my documents they may be able to get an approval b/c the short sale offer is in line with the BPO. He apologized for my file not being touched for almost 5.5 weeks and says he will "put my file at the top" for approval/review. I was told that a SS was a better route to go than foreclosure and have done everything possible to get Nationstar my documents in a timely manner. They dropped the ball and now I face foreclosure. I contacted my congress women Donna F. Edwards of Suitland, MD (no response). This is not ethical business practice or procedures. I would like to be a part of a class action suit as well.

It is now January 2014, 15 months later, and no word. I paid for the appraisal and they've had it for more than a year. There doesn't seem to be anywhere to turn. So very frustrating. There needs to be some sort of regulation that if it is over x number of months, they have to refund any difference in interest. My loan is a small one, so I can't see them delaying just to collect those huge interest dollars. Unreal.

I went to my county clerk office and pulled the title and faxed it to Nationstar as they requested. No reply. Dozens more calls, emails, faxes and on January 21 I get a letter saying I don't meet the program guidelines! They told me I did meet the guidelines when I signed on in October! I was trying to close before December 31 to take advantage of the mortgage relief act but now they've forced me into bankruptcy on top of everything else! I've done everything they asked. I took time off from the little work I had - without pay - to get the papers their fraudulent title company should have done properly and I'm in the same boat I was in October. It doesn't pay to be a responsible person with treatment like this. To make matters worse Fannie Mae owns my loan and they aren't helping me either.

My name is all over the loan but I was never notified about the loan or I never signed the loan, so I called to ask them about the loan. Their reply was all they need was my wife to sign the paper work. I told the guy that is not true and she is my ex-wife for 5 years. Then I was told well in the divorce I gave her the house. Again my reply was "No I did not." They then told me they had a quick deed on the house. I told them "yes there is a quick deed." They told me that is all they needed. I again stopped the guy and told him he could not modify a loan with my name on it without me signing. He hung up the phone on me.

So I hired an attorney to question the loan. They reply from their law department was there is no loan modification in place at this time and if there was it would both me and my ex-wife to sign the paper work. That was Dec 11 2013. So on December 17th I received a copy of a signed loan modification that has been processed thru nationstar mortgage. My ex wife also has been paying her payments on time with them and they keep hitting her up with late charges and it is going my my credit report. So now I get to file a lawsuit against them too.

Tiffany and I communicated back and forth and she indicated that because of the mass volume of loans Nationstar had taken on, my closing could take up to 120 days which would have put it around September 2013. I continued to ask Tiffany how things were proceeding and was always told everything was going along but that it could take longer because they had so many.

It wasn't until the beginning of October I was told that the subordination paperwork hadn't been sent back yet and that was the last remaining thing to be done. Since this was the first I had heard about it, I asked if there was something I could do to speed up the process and it was suggested I contact my bank that holds the 2nd mortgage and get a contact name they could fax the paperwork directly to. I immediately did that and was told by the supervisor I spoke to, she saw no problem with the lien subordination and would see to it that the paperwork would be filled out and sent back to Nationstar as soon as they received it. I then contacted Tiffany and advised her of this and gave her the necessary information. She told me to give it another few weeks. She assured me everything was fine and the interest rate was still locked in since the delay was at their end and always apologized and thanked me for being so patient.

When I didn't hear anything by November, I once again asked about the status only to be told the same information .. it was being processed and I should hopefully hear from a closing agent fairly soon. During this process, I was sent several 'closing packages' each time indicating a slightly higher total amount that would be owed at closing.

My last closing packet was received on Saturday, January 4, 2014 and on Monday, January 6th, I received a 'Statement of Denial of Credit, Termination or Change' and the reason given was "Title Incurable". I immediately called Nationstar and spoke to a representative (got his name but won't reveal it here) who told me that he, among other mortgage specialists, came into work only to be welcomed with a deluge of angry phone calls and emails - all from customers who received the same letter I did with no explanation. He indicated he had no clue what was going on himself and sounded pretty pissed since they all work off commissions. I was given his supervisor's name and number as well as the supervisor above him to see if I could get any answers. Of course no phone calls or emails directed to Tiffany ** have been responded to.

I wasn't surprised when I picked up the paper and read this past week how the mortgage loan process had upped its requirements making it more difficult for homeowners to get refinancing effective on applications received on or after January 10th. I believe it was Nationstar's intent all along to drag it out until such time as this new requirement went into effect, thereby relieving itself of the contractual obligation to process these pending applications. My loan process drag out for almost 9 months.

I know Nationstar has long line of unsatisfied customers and it's not fair nor right that we are being held hostage. I would love to see a class action lawsuit filed against Nationstar and would be the first on board if it was.

I supplied all the necessary documents, and got to title, my ex signed over the house. I was just waiting for the notification to go sign documents and got a form letter in the mail that the loan was denied. There has been a tremendous lack of communication all along. In fact, they had sent requests for data to be sent to an email address that would accept no messages. Their customer service and communication suck. I would not recommend them to anyone. I'm angry that they wasted my time and now I am not in compliance with the time line terms of my divorce agreement. I need to go back and check to see if they charged me for a credit check!!

All the people we've talked to at NationStar are about as helpful as a doorknob. The one lady Deanna we spoke was responsive and helpful but she had to turn it over to her supervisors as her hands were tied in helping us. Based on all the ratings and complaints against NationStar I'm not expecting much. I'm going to do everything I can to bash their company short of flying down to Texas and throwing rocks through the window. Hopefully enough complaining and they will actually take care of this big mess they caused. What an absolutely terrible company! All I want is my credit fixed and this payment processed and this late charge dropped.

Our insurance company was out the Monday after the fire. Dec. 2nd, we received a content check that Wednesday (Dec.4th) and the dwelling check on the 6th that Friday. On Monday the 8th, I spent 4 hours on the phone bouncing from one person to the other and never getting the same answer from any of them. Tuesday (Dec 9), I tried again and got a fella named Rick who told me that if I had a fax machine he could fax me the necessary paperwork. I told him to give me his number and that I would go to my insurance agents and call him back. I did but when my agent called back to give him the fax #, he was told they could not do that. Needless to say, another 4 hours was spent on the phone. We finally called Bank of America and arranged for them to sign the check. We overnighted it to them and they signed it and then overnighted it back.

Then we contacted Nationstar to see how to proceed. We were told that we would need a packet and that it would take about 30 days to get here. At that point, we got bounced to another department and told that they could fax the paperwork. (From the very beginning I had made it clear the house would be torn down and that all I wanted was to pay off the mortgage.) Well the packet it turned out was for rebuilding the house. Around Dec 23, I received a payment coupon with a pay off statement attached to it.

I took it to my ins agents and we started calling again. That is when we found out that we didn't need the packet. We were told to send the check with the coupon and they would cash it and get theirs and send back the rest. 7 days was what they told me. That was Dec.26. I overnighted it and they received it at 12:37 on the 27th. I gave them a little over a week and no funds returned. I got with my agent and we called and the money had been put in a escrow account and was sitting there. Again we talked to another lady who assured us that she would get the loan paid and the money returned in 7 days. By this time, they had told me that I was being charged another late payment for January. Even though they have the money to pay off the loan they wouldn't do it. This last Wednesday. I called again and again I was told that they would send me the money in 7 days.

I will be calling them on Monday to see if it is still in the escrow account. We are living in a motel (insurance paying for it) and suppose to close on a house on Feb 7. The problem is that I can't pay off BOA without the insurance money. If I can't pay them off and have to keep paying that payment then I can't make the payments on the new house. I am running out of time.

I finally mailed the payment, it cleared my bank, no record of it posting on my Nationstar account! UGH!!! Last contact with anyone was Monday of this week when the modification specialist instructed me to not send any more payments until the modification was complete which should be by 1/30/14. Today I have a person come to my door to do an "occupancy verification" for Nationstar mortgage. What is going on???? Am I about to lose my home like it sounds like so many other have faced with this disastrous company??? Any suggestions??

Our insurance agent informed us a few days ago that Nationstar had stated there was no account to pay insurance. We sent Nationstar a message and they responded that an insurance amount of $600 has been paid. We then informed the insurance agent that $600 was paid. It doesn't appear to have been paid. Today we get another message (the previous message has been taken back) from Nationstar informing us that we could open an escrow account and to contact them. We have now sent them a message that they need to honor the escrow account we had with Bank of America and pay the yearly insurance. If this is not honored we will be filing more complaints against Nationstar.

I wish the American people would do their home work and stop paying for a home you will be unable to sell even after you pay for it for 30 years! Countywide has broken the chain of title on your home. Everyone need to just say no and then see what they will have to do!!!! They have been trying to keep this under raps for years. I have not made one payment on my first or second and they canceled (willingly I might add) the day before auction. Five years and over $750,000 if they had the right they would have taken it. There whole tactic is to make your lives miserable!

I just got a no contact order (that put a stop to that). Anyone still paying there countrywide mortgage is a fool! Spend the money on a good law firm!!!!! I spent $10,000 that covers me all the way to a trail!!! All litigation is handled by them and no one but my lawyer can call me. (I hope someone out there is listening) There is strength in numbers. Case in point what if entire nation said we are no longer buying gas from chevron, (whom is the most expensive retailers out their) what do you think would happen. Within a month they would be lowering prices across the nation. (Don't be sheeple)!!!! This entire country has forgotten how to effectively be Disobedient peacefully!!!!! DON'T BE SHEEPLE!!!!!

On January 7th, 2014 my husband closed his retirement account so we could pay the past due payments and get up to date and not be foreclosed on. I paid the amount thinking I was all caught up and could breathe again! WRONG! I received a letter stating I need to pay so and so dollar amount to bring my mortgage current. Fine, so where is the payment they refused? That payment that would bring me current to February 1st 2014. On all of these letters there are different "Dedicated Loan Specialist" that seem to always be "out for the day and to leave a message." I'm still waiting for a call.

I am truly fed up with dealing with this company and am to the point of contacting an attorney as well as making a complaint with the Attorney General. If they would send me the payment they refused I could be caught up! From my point of view they are making it impossible for me to ever get this caught up and now can keep charging me late fees. I now understand why people are just walking away from their homes. I have 1 foot out the door and am ready to say "Take it!"

This month the correct amount of month came out of the bank when it was supposed but they can't seem to get their website working. We asked for a supervisor to call us back and as of this writing we still have not received a call back. We have called for three days in a row and asked for a supervisor with no success. The last time we called we were transferred back to customer service because the lady that told us she could see our payment and what the correct amount was, could not explain why it was not posted and that customer service would have to talk to us. We told her we wanted someone who spoke English and guess what, again transferred off-shore and could not hardly understand them. I realize everybody needs and has a right to work, BUT GIVE ME A BREAK. They can't explain what the problem is or when it will be fixed. We pay on the internet every month. Does this mean we are going to have to drive to Texas to pay off our loan. And, oh by the way, they don't issue lien releases to anyone EXCEPT in Texas. So their website says.

We first tried to short sale with no luck. We then contacted Greentree who said we would do a deed in lieu. We owed the 1st $114,000 and the second is $28,500. The condo is worth less than $80,000. Greentree, back in Nov, offered Nationstar a 10% payoff. Nationstar ordered a BPO and requested a payoff good till the end of December from Greentree. Here we are in January and Nationstar is still ignoring everyone including our congressman who has been trying to help us. We have been given bogus phone numbers and extension numbers. No one will call us back or answer our e-mails. Greentree said they will send a letter giving them one more week or they will start foreclosure paperwork.

We are at a loss here. We cannot afford to keep this condo but we really didn't want to go the foreclosure route. We don't understand why Nationstar won't work with people trying to do foreclosure alternatives. I have not read one blog on anyone having a success story with Nationstar. They need to be investigated and someone needs to stop them from ruining people's lives... I would gladly join any lawsuit against these individuals. I was thinking about trying to modify as a last resort to help us with the negative cash flow but from what I'm reading they won't work with anyone... Did they not receive our hard earned tax dollars to help underwater homeowners? I'm so tired of these banks who caused this whole mortgage crises getting away with what they get away with... Please help us!!

Long story short, we were waiting on the county to refund the taxes but in the meantime the account was left open and we have been charged 2 more months of mortgage, late fees, interest, etc. Nationstar has not been cooperative at all and in fact, just plain rude and unethical. I sent a complaint to the Customer Relations Officer and still no response! My title company and I have been lied to and hung up on several times. They have sent a certified letter saying they are going to foreclose on my home.

I called Nationstar Monday to see if they received the refund, which the county mailed 12/23, and was told they had not. I asked for the supervisor I had spoken to before but she was unavailable. 2 hours later she called me back to say they had researched and found that they did receive the refund on 1/7 but it would be 3-6 weeks before it was applied to my account. I told her that I received a certified letter that they were going to foreclose on my home and couldn't wait that long. She said that was a different department and couldn't help me. We have a mortgage company that we made our first payment to for January so I don't believe there is any way they can actually foreclose but we are now hiring an attorney to settle this. I do not understand how this company is still in business and I am with several others on the class action idea. I will be speaking with my attorney on that matter.

Additionally, per HAFA guidelines, NationStar has missed several important dates/deadlines due to their incredibly slow response time. Subsequently, the short sale negotiator working on our behalf filed a complaint against them for this. Do they care? No. They seem to think they are exempt from meeting those deadlines. In November, just as we *thought* we were finally going to close, NationStar suddenly informs us, our agents, and the buyer, that the property MUST be placed on Auction.com and our buyer - who already had a legally binding contract! - must bid on the property (against other cash only bidders) if he wants his offer to be considered. This was something we were forced to partake in against our will as NationStar stated that if we did not agree to this process our file would be closed and the sale stopped.

Numerous complaints later, and we were told that our file at NationStar was being "escalated" toward closing. However, we've had nothing but more delays and issues since Auction.com got involved. The buyer ended up having to increase his original offer in order to take the winning bid on Auction.com and secure the property under a revised contract and YET, still NO closing!! After this process was completed we received a message received from OUR short sale negotiator stating: ..."as of Dec 12, we were told our file is complete with NationStar...from the 12th of December, there is a max review period of 10 days." Interesting, as that review period was NOT met, and the closing date then provided to us (as well as the buyer and his agents) of January 10, 2014 has come and gone.

NOW we are being told that the Auction.com rep is saying that the "offer price" has not been met and is $61,500 over the current contracted offer!?!? I think these banks are just jerking consumers around and trying to squeeze every dime out of properties even when the value simply isn't there. How in the world Auction.com ever got involved, and where they get their market info I've no idea, but the appraisal has been finalized and came in right at the contracted amount. Additionally, it appears from every angle that Auction.com and NationStar are in bed with each other and I don't believe it can be legal for NationStar Mortgage to be profiting off the backs of everyday consumers trying to avoid foreclosure, which by this process it appears they must be, by forcing properties into a bidding war on an auction site when there is already a legally binding contract to buy in place. You know NationStar is filling their pockets somehow, or else what reason would they have to use a secondary servicer like Auction.com when the property is NOT a foreclosure nor bank-owned and they already have a legitimate offer in hand?

The Mortgage Debt Forgiveness Act to assist consumers facing short sales or foreclosures from being hit with taxes from the sale of depressed properties expired the end of 2013, so we're now unsure where we stand with regard to being taxed on a property that is severely "undervalued. " Every form and piece of paperwork has been signed and delivered by us, the sellers, as well as by the buyer and yet, here we sit still waiting - on a closing date and being given the run around by NationStar.

As of yesterday, we were informed by our short sale negotiator that our "rep/negotiator" at NationStar who has been asking for unnecessary revisions to the HUD, is "no longer there." How convenient. And, we've been told there is a 3-day re-assignment period until we can get a new rep...yet another delay in a long line by NationStar. Seems to me, NationStar is purposely delaying this process that or they're completely inept and inadequately staffed in getting the job done, which is a real possibility. Either way, the longer they delay closing this sale, the further they put us in jeopardy of foreclosure - something we we've been trying to avoid from the start.

Well, one month passed and nothing came in the mail from Nationstar. I called early in December and got their address and verified our loan number and payment amount in case I absolutely had to mail our payment (Don't ever mail your payment to Nationstar, judging by all the reviews they can't seem to keep track of anything you send them in the mail or on paper). I also had them correct our mailing address, for some reason they didn't have our PO box even though it was on all our Discover paperwork.

I tried over and over again during the entire month of December to get on to their website but it didn't recognize my information so I couldn't setup an account. Finally about a week into January, after our first payment due date (but before the "late fee" date) I was able to have our loan number recognized by Nationstar online and get our account login setup. The first thing I found out is that somewhere along the way, they didn't even put in our entire street name for our mailing address, and they had lost our PO box address which I already called them with a month ago! The only address they had bothered to input correctly was the actual physical property location.

You bet they know which house to foreclose! I corrected the address and then went to the payment screen so I could pay online. Lo and behold, there was a $10 fee for the privilege of typing in my own payment! I went through all the steps, even got a printed and an emailed receipt, but nowhere in our online account does it show our payment ever being received and our bank still hasn't received it for processing either and tomorrow is the "late fee" date! How much do you wanna bet that the first letter we receive from Nationstar will be a foreclosure notice! I am afraid that we will be just another one of Nationstar's "Equity Victims" and we've only owned our beautiful new house two and a half months!

After numerous calls over a 3 or 4 day period I finally got an associate who told me he didn't know why everyone told me that. He stated that my information was right in front of him on the computer. He told me I had to fill out a separate form because 1 page was not correctly sent. I did that. Approximately a week later I received a letter saying I did not qualify because, "Default not Imminent." A week later, I received a threatening letter stating if I didn't pay the full amount due? Foreclosure procedures would begin.

I was assigned numerous Loan Specialists.... and could never contact the specialists listed. To this day, I have never spoken to a Loan Specialist who was assigned my loan. They send people to my home although I continue to tell them I will not and am not vacating the home. I have lived here for 19 years. With 4 children. I am completely astonished by the way Nationstar conducts their business, and the way they treat their customers. Last note? I am a veteran of the United States Marine Corps, and can't believe the VA would allow such a company with a Grade of D from the Better Business Bureau. In these times... we all could use some help.

It was the holiday season so I did not open the rate/term options that he emailed to me and after the holidays I went to open the rates/term options but a time limit had expired. I emailed Mr. ** and was advised that he could not write the loan based on credit info and that it was the wrong type of loan. On December 4th it was the right type of loan and credit had been reviewed and offers were made but three weeks later it was not available. They called and solicited me, they checked my credit, they verified it was the right type of loan and made offers. Suddenly wrong type of loan and credit issues? They assumed my loan and I have not been late with payments and this is my primary residence. Don't call and solicit my business, make me several offers and then tell me I am not eligible. Nothing changed between the offers made on Dec 4, 2013 and my follow up on Jan 8, 2014 except the date.

Then in September I hired a lawyer out of Jacksonville, Florida, paid them $1,850. I gave them all my information to which they promise to get my loan modification. They played me for over a year and rip me off. In that time frame my mortgage was switch to Nationstar Mortgage company. I gave them all paperwork they ask for time and time again. Every week they would say call back next Wednesday and they would have answer. They just kept playing me over until the next quarter and then I would have to start everything over again.

Now they are getting ready to foreclosure on my home. I know why this is happening because I have a lot of equity in my home. It's worth $190,000. When a lot homes were bought between 2005 and 2008 that were way above what they were really worth and people walk out. So now all these mortgage companies are trying to steal homes they can make money on to make up for all the greed on their part.

On April 26, 2012, in JP Court of Justice **, Dallas County their Attorney professed no knowledge that an "Itemized Documented Legitimate Bill" is a "Document of Law". Finally on letter dated Sept 19 20,12, Someone at Nationstar typed "Legitimate Bill", Circled and faxed back requesting copy of said was met by foreclosure filing Sept 24th, 2012. July 29, 2013, Justice ** required that I hire an Attorney. Said Attorney was to file TRO on the sale of Tuesday, January 7th, 2014, Disappeared on Monday the 6th. Unanswered emails and unreturned phone calls as of today Jan 10th, 2014, currently unsure of situation. Was it sold? Or Restrained?

And, because of this, I was able to continue to live in my home while I fulfilled my obligation. There are many different ways to deal with customers. The best of course is to resolve problems without compromising anyone's dignity or self worth. I know there are people who just want to do the best job they can, and damn anyone who gets in their way. That works in some industries but when dealing with the public as a customer service representative, if you identify and even show empathy for their situation, offer viable options you would do yourself if in their position, and resolve problems without putting them down or angering them in any way, you may find your job more rewarding and show the company that success is inevitable.

Businesses rely on professional courtesy and so should businesses who deal with people. When you make a commitment, it should be kept. When options presented change after selected only because the original rep is no longer available, it shouldn't jeopardize an arrangement. If there are no notes in a customer's file detailing "special arrangements" made between a customer and the rep, I don't understand why management assumes the customer is being difficult. I have tried to communicate with many representatives with this company and even though all say something to the effect that it will be noted in your file, I've come to realize that this is ** and there really is no way any rep can attach anything to your file, which is why whoever you talk to, you need you to bring them up to speed on your situation.

If there was "history" the rep could review, whoever you talked to would know how to proceed. I don't know if they are acting stupid or if they really are. I've tried to get my loan modified but a lender is not likely to help you attain a modification if they think foreclosure is really the best option. You can't argue with anyone about modification because while in the modification process, you are kept in the dark about its progress. You simply answer all of their questions while they answer none of yours. When you realize you should have heard something from them, besides the daily phone messages requesting a call, left on your phone machine by their autobot, your call to them reveals that any information they collect will be used to collect a debt.

I realize I am obviously in collection by a company that is not only my lender, but a debt collector. I don't want to believe I could actually lose my home, especially now that I have limited funds to make my loan current. But making it current would make my application for modification non-applicable to the current situation. And that means I would have to start another application for a different type of modification, in a year that has been reported to be more difficult with the same company, Nationstar. So resolving problems in a positive way with a mortgage company that just doesn't care is about as likely as turning water into wine, or spinning thread into gold.

From the Seller: We have tried to contact Nationstar numerous times and have been hung up on more times than we can count. The employees we encounter are incompetent and could care less about the file. A voice message was left for the negotiator several months ago from us and we have yet to receive a call back regarding this. We are done trying to talk with them as they clearly do not want this to close as all parties have done everything required and met their demands. They have had this latest file for a week and a half and NOTHING has been done on their end.

We were told when Nationstar took over the file in JUNE that everything would proceed from the place it was at with BOA. It was almost at the closing stage when it was sold. BOA was asked to not sell the loan due to being close to closing and they refused. At this point, we feel we are being discriminated against by BOA and Nationstar. I would assume that Nationstar has a process in place for escalation of a file to the highest point and a manager, VP, President, etc. The law office needs to be as aggressive as possible in getting this done MONDAY, January 7, 2013.

I told them I had flood insurance on it and it was $465 per year. They had the policy number, insurance company's name & address. They continued to over draw my account so I had to cancel my auto-pay and now they charge me $9.95 to make my monthly payments. They have caused me to have NSF fees (overdraft). SIX months later, in Dec. 2013, they finally reduced my payments from $1050/mo to $760/mo but will not return the $1500 they stole from my account or pay me the NSF fees I had to pay the bank. I would love to refinance this loan with someone else but on 10/10/13, I lost my job due to the business financial difficulties. I made good money there but have not found another job yet. Nobody will talk to me until I get another job and then they want me to have 6 months income!

I was so happy to find out this am that I am not the only one getting screwed by Nationstar. Not that I wish this crap on anyone else but that Nationstar Mortgage are corrupt! Can you say CLASS ACTION??? I think it's time!

After six weeks, the final bidder did not perform and the bank will not accept my buyer's offer nor will they speak with him or with me. The title to the property is flawed and the listing itself is incorrect. Their actions will cost me serious damage because the property they hold is half of an estate and the sale of both properties is needed in order to close the transaction and pay off the obligations. We are still in the dark as to how this will be resolved because every question that is asked gets 2 or 3 conflicting answers. A nightmare!