Mr. Cooper Reviews

This has been going on for 11 months now. We receive written documentation from the loan processor requesting certain items which we send, and then later we receive a phone call from one of the representatives requesting something else. This happens frequently and there is no ONE person who is handling the case and nobody seems to really know what is going on with our case. I finally sent a letter by registered mail return receipt asking for any documents they need to be sent to us by mail from the loan processor, so there is no confusion, however they never responded to our request.

We constantly receive phone calls and voice mails to return their calls. When we do, it is usually someone who is not familiar with the case. They always answer our calls telling us we are in foreclosure, are x number of months behind in payments and owe them tens of thousands of dollars. When we ask them how our loan modification process is going, they don't even acknowledge there is an active case being pursued. The only reason for them to contact us is to intimidate and harass us! THEY ARE THE ABSOLUTE WORST!!!! We finally quit returning their calls as we have a mediation date set in the near future.

Nationstar claimed he had to be licensed and bonded (Even though the state of GA does not require it). We had to fire the contractor. Now the contractor claims we owe him for work that wasn't even performed (Thanks Nationstar). We found another contractor who agreed to accept the terms and punishment that Nationstar will inflict on them. Now we are at 6 months and 15 Nationstar employees later, no funds. The latest scam is that a contractor called and said that we owe them money and Nationstar said it had to go to court before they could release funds. There isn't even a litigation in process. I think we have heard every fairy tale from their employees imaginable and none of the excuses make any sense. So here we are, Still homeless, no Thanksgiving or Christmas with our son who is in the Air Force and out of funds to keep staying in motels.

I end up making my monthly payments without the statement coupon because the statement usually arrives only 2-3 days before the payment is due. Other than the statement issue and their impossible to navigate phone tree, I had a couple of years with no problems. The worth of my condo dropped to about 1/4 of what I had paid for it, so in late 2012, I started looking to refinance using HARP. I checked multiple lenders and re-financing with Nationstar offered lowest rate and I was told by Nationstar that since I was already with them, the process would be fast. (Many of the companies I checked rates with promised 30 day processing). I called to place an application in January 2013 and an application was started over the phone. Within two days, I was sent the paperwork, which I signed and faxed back. I then heard nothing. I called in late February and was told to check back in March. I called beginning of April and was told it was awaiting assignment to a processor and to wait another month.

After calling every two weeks to a month, in July, I finally reached a female who indicated she was my processor. When I commented the loan was taking much longer than a month and that my application date was in January, she replied the application date is the date it is assigned to her, not the date you filled out and signed the paperwork. In October, I finally got fed up, called and said to cancel the application and that I was going with another company. The very next day, I was called and told the loan was approved and closing was set for late October. All during the 10 month waiting period, I was receiving multiple mail offers to re-finance my main home mortgage, which I found strange, because there is no mortgage on it. Nowhere in my loan documents or HUD estimate statements had mandatory payment for county taxes been mentioned.

I had a payment of approx $558.00 due 12/11/13. At the closing, at 7pm at night, when you cannot call Nationstar, the documents suddenly say that an additional $679.00 is being added to the loan for county taxes. I will be paying interest on that 679.00 for 20 years. I stalled the signing, called Nationstar the next day and told them I would be paying the taxes myself. I was instructed that since the taxes were due within 60 days of the closing, it was required to be part of the loan. I was given the choice of the county being paid the entire $679.00 and I would have credit toward the next payment due in April, or they could pay the county only the $558.00 and have the balance refunded to me. I said I wanted the entire $679.00 paid to the county. The official closing was 11/01/13. On 11/12/13, I received a reminder letter from the county that the taxes are soon due. I called and they had never received the $679.00 from Nationstar.

I called Nationstar, who said they would initiate an investigation. I was told by the rep that they legally had 20 hours to respond and I would get a call back the next day. I was not called the next day. On 11/14/13, I called Nationstar, and after multiple transfers reached a rep who transferred me to Customer Care. After being on hold for over 40 minutes, the line went dead (they were now closed for the day). Some Care! I did some research, and the next day I filed a complaint with the Consumer Financial Protection Agency. On 11/19/13, I received a call from Nationstar informing me they had received the complaint and asking for more info. I was transferred to the Escrow Dept., who reported my loan did not include an escrow account and who reported the funds to the county were to be paid by LSI Title Company, not Nationstar, and I was given the phone number for LSI in Pennsylvania. I spoke with LSI and was told a check for the $679.00 was being sent via UPS that day to the county. I was given a UPS tracking number.

On 12/03/13, I called the county and they had not received the funds. I called UPS with the tracking number, and they said there was no such number. I called LSI (in Penn) and was instructed to call Nationstar. Nationstar referred me to LSI in California, who gave me a different tracking number. I called back UPS, who confirmed the county had been delivered the check on 11/19/13. I called back the county, who then found they had received the check, but it was only for $558.00, not $679.00. I called LSI and asked about the difference between the $558 and the $679 and was told a check for the difference was being sent to me. On 12/31/13, I received a check from LSI for less than expected. I called LSI, who reported this was a different refund and that the difference check had been sent to the condo address (where there is no mail delivery). This is when I found out that even though all the loan documents had the mortgage as being on the condo, LSI had the loan as being on my main home and my mailing address as being the condo (exact opposite of how it should be).

They said this was the info they were given by Nationstar. This also explained why I was getting so many mortgage refinance offers on my main home. LSI immediately corrected the records and I received the difference check two days later. My latest problem is that today (01/02/14), I received a letter from the county that the deed is still in the name of MortgageIt and asking why LSI is sending them funds. I called Nationstar, who asked me to fax them a copy of the letter. LSI was very professional and helpful. Once I had made the complaint to the Consumer Finance Protection Agency, whenever I call Nationstar, the rep says, " You're listed as a special needs customer and I am not allowed to talk with you. I have to transfer you to my manager" and then the manager is super polite. So, if you want polite service from Nationstar, file a complaint!

Our real estate agent and lawyer both agree this should not be legal since the purchase and sale clearly stated the agreement between seller and buyer which does not include bringing other buyers to the table or auctioning the house off. Anyways, we have been trying to get out of this deal, but Nationstar refuses to release us from this deal and is keeping our 10,000 dollar deposit! We can only hope we get our deposit back once our purchase and sale contract expires. Very frustrating since we have found another house we like, but we can't do anything since they are keeping our money!

So this is what I do, that's why my paper trail is better than theirs. I went and purchased a digital tape recorder, and a universal microphone from Walmart.com. They can record our conversations well so do I and I let them know they are being recorded. I ask for their name, their ID number (the reason for ID number some of the employees don't like to give out their names, which I respect) and the date. The reason I do this is in case someday I might end up in court with them I'm gonna have some proof.

After about 2 hours on the phone, I finally got a manager who still couldn't answer my question but promised to send everything into review. I got a print out of every payment Nationstar has received from me. Lord the paperwork, can't make hide nor hair of it except beside every payment it says in bold letter FORBEARANCE ...ugh....it looks like a 5-year-old typed it or tried to print it out. So I got fed up, called BOA and told them I wanted every freaking payment I had made on my home since the day I made the first payment in 2004 - I got it 2 weeks later. (The reason I did this Nationstar has lost over $3000.00 of my hard-earned money and can't find it plus I had finally got my home loan down to $119,000.00 with BOA and it's back up over $123,000.00 with Nationstar!!!!!!!!!!)

On Dec 20, 2013 I emailed the CEO of BOA and I let him know everything I have been going through, how bad Nationstar was and did he even know that Nationstar was a Debt Collector!!!!!!! Did they even investigate who they gave all these servicing rights to!!!!!!!! That because of BOA, a lot of homeowners might lose their AMERICAN DREAM OF OWNING A HOME!!!!!!!!!! Well 2 days I got a phone call which I missed because I was at work. Well I got a letter from them with a name and number whom to contact. This person is going to be my advocate. We'll see what happens.

I refuse to let this company screw me over. I have always been one month ahead on my house payment and I have never been a day late in the past 9 years on my house payment. I don't care what it takes but I will fight this company. Good Luck to everyone who has to deal with them because by the time you're done you won't have a nerve left!!! DOCUMENT EVERYTHING!!!!!!!

I pay half of the house payment every two weeks due to the fact I have been on a 4-year pay freeze, no cost of living raise and the shutdown, plus the fact I am single on one income with FMLA issues.Their rhetoric as a company is appalling to say the least and makes an individual very uncomfortable having them as a mortgage company. My first mortgage company was EverBank back in 2010 - they were awesome - no issues, very easy to deal with. On the other hand, NationStar has been nothing but a nightmare.

With medical issues I had planned to sell and move to a first floor condo, which thanks to NationStar's shenanigans I cannot. I wish someone would do something about this company and the company who owns it out of Dallas, TX. My recommendation - seek another mortgage company and bypass NationStar altogether - you won't regret the fact you did! As well as my PMI has always been incorporated with my mortgage payment not with NationStar! Dreading tax time as NationStar has done what they please and not followed through with my past mortgage companies and PMI being enrolled in my payments. To date since November 2013, I have paid NationStar $3570.57!

The damage to our credit is already done, we have already accepted that fact. Our house is worth about 1/2 of what it is mortgaged for and I had to take another job out of state. We have been "working" with Nationstar to get permission for a short sale for about 6 months now. Every time that we think we have all the paperwork in and correct, we get a message from our realtor that Nationstar wanted this or that or that they wanted us to resend something else. Things were held up for two weeks because Nationstar wanted a letter of explanation of why my wife (a substitute teacher) doesn't get paychecks during the summer. Just tonight, I got a call from the realtor saying that Nationstar wanted my last two paystubs... I don't know why that would matter when they have my W2s and paystubs for the last 2 years! My wife and I are seriously considering just walking away and taking the foreclosure hit. Sure our credit will be damaged, but hey, it's already damaged...

Today they sent me a packet of papers - said that they had made a mistake on the previous paperwork and now we have to sign again, notarize AGAIN (another $20), and mail back within 5 days. in the meantime our insurance went up because of our credit scores from this fiasco. And they've charged $900 in lawyer fees. I'm not paying that. Period. I owe $280,000 now for a house worth $100k. If they foreclose it will be their loss, not mine, and am tempted to tell them where they can go shove their mistakes. Nobody there knows what they're doing, and it's exhausting having to keep an eye on their mistakes and wait for the corrections. I've already made a RESPA complaint. Now just need to find a lawyer.

When I was told that I was approved for the modification, was very excited until I heard the payment. I immediately told the Nationstar rep that this was not going to help me and that it would be a matter a time before I am back in the same situation. Not even a year later, here I am again asking for help. Unfortunately I have to wait a year before I can request another modification. I am told that there is nothing they can do for me now. I thoroughly believe that banks are not interested in helping people. I am mentally exhausted from the entire process. My only hope to get rid of this mortgage is to sell my house. I just don't have the energy anymore.

This is so criminal b/c the banks appear to support the scam more than the average consumer who is too small to fight Wall Street home mortgage scam! Where is the real help for modification help? They don't want more regulation but they want to continue to screw up the system to double bind regulation and give the appearance of helping yet pushing people to walk away from their mortgage to make more money on their home by selling it. I know that's capitalism but it is cruel and it is losing the focus of what we really stand for as as country and that includes being a caring ethical capitalist country! Please tell your stories and be brave!

Please listen to this complaint and hopefully this mortgage company can be held accountable for their practices. Our mortgage was sold to this company. We started with Countrywide and then it was sold to Bank of America which we had no problems. Since Bank of America sold it to Nationstar, it has been a nightmare.

We sent out the first check. I kept calling to see if they received as it was not cashing. They of course said they never received it. I sent another certified mail, they sent that check and the previous one back to me, then said to obtain a certified bank check and they would reinstate the 3 trial payment period. We did so. Then proceeded to send the next 2 on time payments which they cashed. Now they send a denial letter for loan mod because we defaulted on the payments.... Now remember, they sent us back the first TWO checks we sent them ON TIME and made us send a certified bank check stating that they knew it was past the date they required it by, but would reinstate the loan mod trial period as they were unsure why our other checks had been returned to us uncashed! So now they are saying they want PROOF of all the checks they cashed that we sent to them...

I believe it is only a matter of time before someone is knocking on our door and throwing my family out on the street! They are stalling and making it look like they are working with us, when in reality they are trying to keep us hopeful. We will not walk away quietly! We have lived here over 15 years and always paid on time. Things got very tight with money and like 99% of this country, we are having a hard time keeping up with the bills. Sending our kids to college someday is out of the question and wondering if we will even have a roof over our heads at the end of the day is beyond stressful! My kids do not deserve this. We work so hard to give them a good life and Nationstar is sucking the life out of us, literally!!

Meanwhile, late charges credit being affected are not any of their concern they stated. My house was damaged by the tornado which at the time my mortgage company was BOA, not Nationstar and they will not honor original estimates and they are stating I will be put on probation/monitoring for a Tornado hitting my house and causing damage. Wow... a just all around HORRIBLE company and I am going to sell and pay them off and will never use them again ever.

Any reason that I was not told this the first time? Sorry. Correct the papers, fax them again, and wait. The next agent, with the next excuse. This continues on and on with each contractor. Do you know anyone who will do work on a fire damaged house without money up front? Neither do I. After nine months of this game trying to get money for the Architect, clean up crew, Dumpster carting co., concrete co., excavator, framer, etc. I think I broke the fax machine with the amount sent. The insurance company got upset that we had not started work after 10 months. I explained, gave them permission to contact the bank, the insurance company "Nationwide" stepped up to the plate. They gave me an advance on the contents without paperwork, said use this to start the house and hire an attorney to sue the bank. I said, "Really?" They insisted.

I have gotten some of the money from the bank, about 80,000 out of the 475,000 that I need to rebuild. The last letter I got 12-24-2013 was a check for 10,374$ stating that this was the last check to be given until the house is complete??? How do I do the other 385,000$ in work without any more money. Now I have a house shell, living in a trailer that the insurance is taking back in Feb. 2014, and no more money to continue. I am not asking for any money to me, just to the contractors so they will work. Merry Christmas from Nationstar. I hope my lawyer can work this out before I go insane.

Now that my credit has been hit twice for delinquent mortgage payments, no bank will work with me. At the end of the day, I plan to get a lawyer and have this fixed. I've never been so disgusted with customer service and being bounced from person to person and nobody knows what's going on. I advise everybody not to work with Nationstar. If you end up with Nationstar, please get a new mortgage company as soon as possible. Damn you Bank of America for selling me out after 7 years.

After having the property bid on at Auction.com, I got a call from the winning bid. The property was marketing with not information the property had a 2nd mortgage and past dues HOA. Nationstar is charging a 5% premium after the winning bid. I called Nationstar, said why did you not disclose the junior lien holders and the HOA matters? The answer said that the buyer should do their homework before making a bid. They said cash offers only. The 5% fee goes to Nationstar, not to the auction company.

I asked the bank to do a HAFA for the seller relocation money to find a new place to rent. The only way this will stop when Nationstar goes away. No questions Nationstar is the next Enron. It's very sad when a homeowner can't get house. As an agent you want to do the best to work with other realtors let buyers get a home. The fact that Nationstar does not disclose from the beginning to inform all parties. A BPO and appraiser came out. The buyer offer was over the value. Nationstar said, "Well, you get your commission, why do you care who buys the house." I informed Nationstar you have a legal binding contract and why did you wait after the offer after it was just over value price. It's very sad how Nationstar is getting away with murder. As a realtor, I will not lose my license for Nationstar lying to the public. End of the day, the winning bidder walked away and the property has been on the market for 6 months.

Next thing we know the house is listed on Auction.com and we are informed we can stand by our current offer or go to Auction.com and bid. If the bidding went above our offer and we did not bid the home would go to the highest bidder. Nationstar set the list price of the home, we offered $5,000 less than the listing price and they cashed our check and then auctioned the home. The auction closed at $15,000 above our offer price. I did not feel the home was worth more than the price we offered. So, we have lost the home. Our agent told us in the state of Missouri it is illegal to bring multiple offers to the table to the seller at one time. Nationstar has found a way around this process by "vetting the value process". They kept our offer in hand while pursuing other offers by auctioning the home. I have no recourse in the matter, the house is gone and Nationstar cheated us by their process. I would be cautious in purchase of homes if Nationstar is the mortgage company, if this is their new procedure you will lose.

Starting In September we could no longer cover the mortgage payment and I applied for the HAMP program. On October 8th, we received an E-Mail from Nationstar stating, "Your loan was not eligible for HAMP because we have the closing date of this mortgage as 5/25/2013, right now we are in the process of applying you for a in-house Fannie Mae modification and require that you send in the supporting income documentation." I sent them the documentation on October 13th and sent a number of E-Mails asking if they had everything they needed. I didn't receive any replies to my E-mails so I called my Foreclosure Prevention Specialist and he confirmed that Nationstar had all the documentation they needed to proceed with the modification.

We didn't receive any correspondence until November 8th when a letter arrived telling us we had a new Foreclosure Prevention Specialist. About a week later, I looked up the status of our application and it said "10/24/2013 NON-HAMP MISSING DOCS LETTERS". I had two reactions - 1) Shock that we never received anything from our "dedicated" specialist saying we needed additional documentation. 2) Concern - What NON-HAMP LETTERS are missing? In addition to the HAMP documents I had already sent: 30-day consecutive pay stubs, 2012 tax returns, 2 months most recent bank statements, Any Award letters for benefits received and most recent proof of receipt (if direct deposited circle on the bank statements).

I wrote an E-Mail to my new Foreclosure Prevention Specialist asking what else they needed and also attached the documents I had already sent. I didn't get a reply so my wife called the HOPE line and the counselor called Nationstar. We couldn't reach our dedicated Foreclosure Prevention Specialist but spoke with another Foreclosure Prevention Specialist who told us they needed copies of a 1099-R we received for a 401-K withdrawal from August of 2012 and a new UBA form. I sent both on November 20th.

Of course we didn't receive any correspondence from our Nationstar SPOC but on December 5th we received a letter. It said "we are missing the following required documents: Two pay stubs with year to date earnings within 90 days, TWO MONTHS OF BANK STATEMENTS TO VERIFY DEPOSITS, IRS W2 or 1099, Award letter of benefits statement. I had already sent them pay stubs and my unemployment monetary determination three times and the 1099-R once. I called them and although I couldn't reach my dedicated Foreclosure Prevention Specialist, I spoke with another Foreclosure Prevention Specialist to find out what was wrong with the documents they already had. They said the unemployment monetary determination doesn't show receipt of the monies so they wanted proof of the deposit.

I had included the Social Security payments we get for our grandchildren on the UBA form and they wanted proof of the income. They also said the 1099-R had the wrong code in box 7 and requested I contact the financial institution to have it corrected. I called the financial institution and they said the 1099-R was correct so I called Nationstar back and spoke with another Foreclosure Prevention Specialist and explained the situation. She said to write a letter explaining that different rules apply when you are older than 59 1/2 and withdraw money from a 401-K and that the code in box 7 was correct (I included a copy of the IRS instructions).

In looking at the request for documentation I realized I had missed the Social Security award letters and proof of receipt of unemployment so I am responsible for not sending all the documentation back in October. My concerns/issues with Nationstar: 1) How could they refinance a mortgage when the primary borrower's salary doesn't cover the cost of the monthly mortgage payment and the secondary borrower is unemployed?

2) Most people aren't familiar with the Loss Mitigation process and the details of the required documentation plus having financial problems where you can't pay your mortgage and could lose your home causes a lot of emotional stress that makes it difficult to think clearly. They assign a dedicated Foreclosure Prevention Specialist but as my experience shows some of them don't respond to E-mail and are impossible to contact by phone (The correspondence and web site show the specialist's extension but when you call the number there is no option to enter an extension). It is extremely difficult to find out what issues are holding up the application process.

3) The process to upload documents is very cumbersome. The size of any individual file may not be greater than 512 KB and the total of all files combined may not be greater than 1,024 KB total. A maximum of 10 documents may be uploaded in one session. If you need to send more than 1024KB or more than 10 documents you have to log off and then log back in to a new session. If your documents are in PDF format you might need PDF editing software to modify them to conform to the restrictions. You do have the option to FAX or Mail them but in my case time is a critical factor because Nationstar referred my loan to an attorney . They did it less than 30 days after we applied for HAMP when we were 2 months behind on our payments.

YES! I too have realized NO RELIEF from Escalated Payment Schedules, Corporate Assignment Filings, Padded Lender and Attorneys Fees, Increased Escrow (that when paid was never recorded and deemed reason to force Election and Demand), destroyed credit rating, (805 to 605 without any proof that I was in fact delinquent)... file cases full of unanswered Qualified Written Requests and stock reply letters from corporate offices in 7 different states insisting my only hope is a HAMP modification orchestrated by another Single Point of Contact (I have had 48 different ones) who collect reams of personal data for "underwriting" only to let it expire after 6 months...

Neither have 40 thousand dollars in attorney fees verified that an actual LENDER even exists, much less a person or rightful party who has standing to declare (to my non-judiciary foreclosure state public trustee) that a legitimate debt even exists... Unholy Cow!!! I am 54, had invested my lifetime earnings in home and business property, and according to Nationstar I owe twice what the properties are worth even after a half million in payments and equal amounts of equity have been invested by yours truly. They added differed interest for years after the national index had lowered my rate to 2.5 %, claim they are "not responsible" for "any actions taken" by their predecessors, and continue to use a foreclosure mill firm "Aronowitz and Mecklenberg" to harass and disenfranchise my family and I. How can this be Stopped!

Waited till first week in Dec and again called them back again. They informed me that all the paperwork was mailed to my Home Address on 2-Dec-13. It is now 15 Dec and still NO PAPER WORK ON MY PAID OFF MORTGAGE. I smell something fishy going on here. I was never late. My mortgage was sold to this company back in 2009 from Morequity. In my opinion neither of these companies are up and up. All I want is my paid off note and my deeds released back to me. Been paying for my home for many years and it wasn't easy. Paying it off was like lifting a huge burden off my shoulders but until I get the paperwork it still feels like it's not my home that I worked so hard to pay for!! All I want is my PAID PAPER WORK NOW PLEASE or I will have no choice but to hire an attorney.

Also, soon after my mortgage was commuted to California, I discovered that Bank of America had been freely handed 85 BILLION DOLLARS by Mr. Paulson with the Bush Administration to pay off Troubled Assets (TARP - RP stands for RECOVERY PROGRAM). To my amazement through a petition I filed that none of the entities (I have the list) that received literally bales of money were required to provide a listing of their so-called Trouble Assets. By this discovery, my mortgage had been twice paid off to Bank of America. Yet, it had become obvious to me that BOA wanted to foreclose my property along with the millions of others who have been or will be foreclosed. Some just do not know it as current BOA Mortgagors on the recycled foreclosures, but in a short time, they will be foreclosed as is already happening within 4 to 6 months in the area where I live.

On Page 107 of 196 pages of Form 10-K BOA filed with the Securities and Exchange Commission, they provide a list of gobbledygook invented controverted financial definitions in which its modus operandi is laid out. One such is called the OAS Spread which essentially means they take the asset at a demised or foreclosed deflated value and hold it for a spread of time that allows it to re-value for them to sell at the higher market price. Back to Nationstar's entrance into the world of Banking Theater, Bank of America commenced foreclosure proceeding against me around 2011 (I have the definite time). So, after having discovered the TARP shenanigan that Mr. Paulson, Bush's Secretary of the Treasury pulled in cahoots with Bernanke and Jamie Dimond, as he boasted to Charlie Rose on Rose's 1:00 a.m. Public TV Show, I filed a Pro-Se Petition requesting confirmation of my home having been paid off or not paid off with TARP money.

Thereupon, there were no records letting Bernanke and Paulson know what echelon Trouble Assets were to be redeemed. Thereafter, from the right wing of the theatrical stage enters, not Macbeth, but U.S. Bank represented by some erstwhile Law Firm that wound up being prosecuted by the U.S. Attorney General for some "put one out of business crime". Afterwards, another Law Firm out of Tampa, FL entered the picture representing U.S. Bank as the mystery player from Lady Macbeth’s closet. Long story short, the new Law Firm and I went back and forth with Motion after Motion to the Court in Jacksonville, Florida. The Attorneys in this Law Firm were unusual - courteous, respectful, and communicative. Its very respectful and professional Lady Attorney and I jointly appeared before the Court Judge and agreed upon foreclosure terms. However, Bank of America had unwittingly transferred my Mortgage, as a Commercial Certificate to Nationstar while the Tampa Law Firm and I were reaching a mediated agreement to which U.S. Bank, the Certificate Holder's Trustee was in agreement.

I had made the Tampa Law Firm and U.S. Bank aware of a HUD approved Loan for a Reverse Mortgage subject to IRS releasing a general lien against me (another tragedy of errors). Around mid July 2013, I advised the Law Firm that I had received an unexpected notice from Nationstar that my Mortgage had been recorded to it during the first week of July 2013. By then, I saith, "Oh hear me, Macbeth , what the "H" is going on in the Bank of America Kingdom and when did the King decide to slip its fickle finger in the plum pudding? After all, we were scheduled for a foreclosure hearing on 26 August 2013 whereupon this knave was more dumped than Robin Hood on the footlog with Little John." Oh, but to my rescue cometh Nationstar with their welcome arms open for a HAMP in the event my Reverse Mortgage did not materialize on or before 19 September 2013.

At the hearing on 26 August 2013, the terrific Lady Attorney and I appeared before the Judge and reached a foreclosure agreement in the presence of Nationstar's previously unknown and just employed local Representative. The agreement was conditioned upon my either concluding the reverse mortgage or reaching agreement with Nationstar on or before the sale date of 18 December 2013. Just before 19 September 2013, I obtained a HAMP Application package from a very cordial young lady with Nationstar who said she would take my Preliminary Pre-Qualification Application by my answering a number of pervasive questions on the telephone. She advised that it would be easy for me since I seemed to have all of the necessary information. When I advised that due to an intermittently long heart condition illness, my 2010 Tax Returns were the last ones filed. However, I had extended my filing time and pre-paid estimated taxes.

She advised that this was fine since their instructions said "current or the most recently filed returns". On 7 October, I completed the Application with all requested additional documents attached. About 4 or 5 weeks later, I received a response indicating that I needed to submit additional documents including a P&L Statement for which I had been initially told that an IRS Income TAX Schedule "C" which is the IRS' P&L Statement would suffice. Now, not so. I was also advised that my 2011 1040 and Schedule C Returns would suffice as the most recently filed returns. As of today, that is not acceptable according to another person. I was advised to submit this additional information on 11-19-13 by letter or by FAX. It was sent on 11-19-13 by FAX from Copy Max Center. Thereafter, I did not hear anything even though I was leaving telephone messages for one of the 3 or 4 different Single Point of Contact Persons that had been named but could never reach. Nor, could I speak with a person named ERIN who was supposed to be in charge of processing my application and subsequent submittals.

Additionally, I FAXED letters to the Local Representative, spoke with him personally and referenced one of the earliest Letterhead Letters which states that my home would not be sold during the HAMP review process. In response to my question by telephone to the local Rep as to what was being done, he indicated that they were not concerned about the soon arriving Sale Date of 18 December 2013 because they would rescue the situation at the last minute. After still not hearing anything from my FAXED inquiries, I called another SPOC by name. Voila!! I got someone else not in the Texas Office at area code 214 which I recognized from years of designing shopping centers throughout eastern Texas but in Indiana named Nicole ** instead of Karen ** in Texas. After Ms. ** assured me that I was at fault for not having submitted the P&L which they wanted but could not furnish their form and had agreed verbally that the Schedule C would suffice, she continued to goad, provoke, condescendingly insult, and tell me that I had not submitted materials on 11-19-13 as requested and that my Application had been cancelled due to lateness of the submittals and due to 90 days having tolled (first I had heard).

So, I asked when was my Application cancelled and when were my documents late since I had a receipted transmission from Office Max. Well, she did not seem to know. Whereupon, I kind of lost it and asked her why the hell she did not look it up on her computer record right in front of her. She then came back and said, "Oh, I am sorry, it was cancelled on 9 November 2013 and the toll time is 7 January 2014." So, I then asked, "When did you receive my 11-19-13 FAX?" On the morning of 20 November 13 when the Office opened. But then she argued that I had not submitted an IRS Form giving them permission to obtain my IRS filings. So, three times, I told her that in lieu of the Form, I had submitted my IRS filings to her. She persisted until, I again said some pretty harsh language about paying attention and being treated like a dumb **. But, then, in a very insultingly patronizing voice, she says, "But I am your friend and I am on your side."

Afterwards, she then persists with the argument that the IRS Schedule C is not the kind of P&L Statement they want despite it providing the same bottom line information. So, again, I asked for Nationstar's Form? Voila!!! They do have one which she will e-mail me and I can get it back to her personally tomorrow by PDF, which I had been told previously they did not accept, on 11 December 2013, at her personal e-mail address. She asked that I also e-mail the PDF to ** and to also FAX the P&L to both of them. No need to guess what. As anyone who has dealt with this deviously, purposefully malfunctioning, malevolent operation, there is a different story from each of them. No doubt, it is my design. I e-mailed a PDF and FAXED to both. Thereafter, as requested, I called for her or for **. Neither answered. Instead, a very condescending young man named Kyle answered and advised me that the last thing they had were the alleged wrong documents that they received late on 24 November 2013.

So, here goes another 30 minutes of accusations that submittals were mistaken, the documents which they sent advising that no sale would be made during HAMP evaluation did not say such, that my Application had been cancelled as Wilson said on 9 November 2013 and that my house would be sold this coming Wednesday, 18 December 2013, goodbye, have a nice day. How much more condescendingly gratuitous could anyone be except a scripted theatrical actor of far less believability than the oafs in Macbeth? To really make matters worse for BOA and their Stepchild, Nationstar, after the foreclosure hearing, the Senior Attorney in the Law Firm that represented U.S. Bank for the foreclosure, apparently had a pang of conscience and initiated a Motion in behalf of U.S. Bank asking the Court to rescind the Sale of my Property.

The Motion went to a different Judge, the same problem as with BOA and Nationstar, who was apparently absent, so his Secretary stamped the Motion from the Plaintiff seeking the foreclosure as being "DENIED" with a promised confirming Order from the Judge the following day. No hearing, no notice to me as the Defendant, nor any other action that would have provided "due process". It is my hearsay understanding that the Florida Governor has directed the Courts, by what authority God only knows, to expedite foreclosures in Florida. One of my Sons is having a similar problem with BOA wherein his HAMP was being expedited by NACA, a Government sponsored expediter. According to my Son in a telephone conversation with a NACA Representative on 10 December 2013, the Representative commented that Florida Courts have a reputation of screwing people. My experience indicates that it depends on the individual Judge.

To say the least, these Government sponsored Home Loan help programs are not being implemented as smoothly, efficiently and courteously as any reasonable person might expect. Eric Holder's enemies are being funded undoubtedly by these big Banks since he had the courage to sue them. As a matter of publication, his suit against Bank of America as joined by several State's Attorney Generals resulted in over $300,000,000 having been sent to the Attorney General of Florida. It is my understanding that not one penny has been dispensed to homeowners who were victimized by BOA for those initial misdeeds. The problems with BOA is similar to a person having been caught standing in a piss ant bed. One is stung a thousand times before they know it. Their protégé, Nationstar is a clone with a Texas bull riders YEE-HAW scream while B.S. flies from the south end of the bull.

I contacted the title company and obtained a copy of the money wire documentation, which I faxed to Nationstar along with the contact information of the title company agent who offered to be their contact if they needed more information. I continue to receive calls from them daily as late as 11:00pm. I finally filed a complaint with the Consumer Financial Protection Bureau!

I faxed over a copy of the cashier’s check and the deposit slip only to get an email claiming this was not sufficient proof. When I called to inquire on what was needed to clear this situation up, I spoke to 5 different people to which the last person told me… "If it was me, I would just resend what you already faxed over." At this point I still do not have a resolution and am looking at trying to switch the loan to any other lender even if it means I have a large monthly payment.... at this point I would take double my monthly amount!!

I called the lawyer and they didn't have me on record. They said to call back. I did and miraculously the next day they had my info. They had tacked on lawyer fees but the lawyer said they couldn't charge fees because I was paying within a time frame and I was Fannie Mae so they couldn't charge a fee. I sent the lawyer a cert bank check cert mail. The lawyer sent it to Nationstar and emailed me the FedEx tracking. In the meantime Nationstar went into my property, changed the lock and winterized my property!!!!! Then Nationstar never applied the check I had sent.

I had to go to Wells Fargo, cancel the cert bank check and resend another. Again they tried to tack on more fees. Their own lawyer said he'd never seen anything like this!!!! Finally they accept the check and guess what, my reinstated loan should have voided all the lawyer fees but they've put them back on PLUS fees for winterizing my home. Unbelievable, isn't it against the law to break in and ruin someone's home that is not foreclosed. I feel so violated by this poor excuse of a company. Why are they not arrested, they are white collar thieves and judging from all the complaints they are apparently above the law. Since reinstatement, I've paid on time minus their fake fees and this month I just checked my statement and they have their website stating I'm 1 month behind. I wonder if they will break into my house AGAIN????

8 months later, they took over my smaller loan, however kind of forgot to tell me. That is until people I haven't talked with in years tracked me down saying debt collectors are after me. What a nightmare this has been, considering before this I was (well still am once this gets cleared up) a perfect credit loaner. These people are crooks. When you talk with them also make sure you track every reference number, record your calls, etc. They say they do but do not. Just a complete botched.

I started the 2nd loan modification Aug. 8, 2013. I received a letter of Foreclosure, dated Nov. 8, 2013. I have been told by Nationstar reps that while I am in the process of a loan modification, I am assured that Foreclosure proceedings will not be initiated by Nationstar. I have been answering their emails and phone calls requesting information to inquire about our financials, and have cooperated with Nationstar every step of the way. Additionally, I have called Nationstar to find out WHY a Foreclosure has been submitted. I have contacted the Customer Relations Department. I have left messages via phone and email with my Point of Contact assigned to me by Nationstar. It has been 2 weeks, and I have not received a response from Nationstar.

To follow the procedure on the Letter of Foreclosure from the Trustee, I responded IN WRITING to them within the time frame given to me. I need advice on what to do next. I want to keep our home. The communication from Nationstar is very poor. When asked for information from me, I do not always get an accurate request. For example, this last request they asked ME for my tax return information, when in fact, they needed my HUSBAND'S. The point of contact from Nationstar asks me for the information by phone, I am writing fast and furious to get everything written down accurately. Come to find out what he asked for wasn't even accurate. It is frustrating because I am trying to provide what is being asked for. Who do I contact to complain about Nationstar?

This is absolutely not the truth and my bank statements from BoA prove it. NOW I'm the one that has to do all this paperwork with my county and the lawyer they assigned my case to... I'm very angry with BoA and Nationstar. I think BoA and Nationstar are in this huge foreclosure ring together and should be put out of business altogether. THEY ARE CROOKS!!! My only saving grace is that I had a bankruptcy in 2010 which covers me for this mortgage so they can't really hurt me financially. It's just real BS on how they handle things!!! Today, the paperwork was dropped off to the lawyer and tomorrow I have to drop off the paperwork to the local court house... I have to prove that I've been making payments since 2011 since they felt they wanted to lie... More to be revealed...

Three months later, they decide to forward the loan without my knowledge to NationStar mortgage company. NationStar was worse than BofA as they said wait until all account information was transitioned from BofA to them and go from there. After constantly asking them for updates, they said "fill out this application and we will see send it underwriting." They said it should take about 2 to 3 weeks for completion again. I followed back up with them to ask for an update. Mind you, they didn't call me back to confirm if all the documentation was sufficient. They said, "oh, no, you have an old application."

To make this a shorter story, for over a year I've been dealing with them evaluating and evaluating and at the end of the day, my home was sold out from under me as they were working in DUAL relationship with a legal team as well as working with me on their sweet time. There needs to be a better regulatory process on banking and the way they went about the mortgage evaluation. I'm sure more than NationStar is doing this type of inappropriate activity. DO NOT LET YOURSELF GET INTO THIS POSITION.

I have a letter for validation no not like your typical one something they can get around and if they try you have grounds to sue for violating FCDA. They use the Deed or Trustee Deed while you argue the note it’s the Deed you want to attack in court not the note but the note voids the deed bc it has been converted into a unsecured debt securitization. You have the original deed and they have a PSA Deed but once they file to foreclosure, they use the original deed by appointing a new Trustee or substitute Trustee and records but never records the PSA DEED which in every state you must record the deed.

When I called back for the fee update, they said there may be new fees, and I couldn't pay and had to wait again. THIS CONTINUED FOR OVER 2 MONTHS, during which, my mortgage went into foreclosure as I was making regular attempts to pay it. I was locked out of my online account, and had NO WAY to make a payment, as they repeatedly told me if I sent or wired an amount that was not the exact amount required, they would not accept it. They would not even accept a larger payment and apply it to the principal.

Eventually, I had to threaten to call the attorney general and make a threat for a lawsuit, which I have never done in my life. After this, they accepted payment. HOWEVER, the payment did not credit to my account for nearly a month, and I had to continue calling them and emailing them to remedy this. The current issue is I believe they messed up my escrow account. After HOURS on the phone and months of hassle and anxiety, I am relatively sure my account is NEARLY accurate, but I now have a foreclosure on my previously perfect credit score, which is entirely due to NS being unwilling to accept my payment and continually needing to "update" attorney fees, after it assumed my mortgage without notifying me.

In the meantime, Nationstar sends me paperwork in Aug. 2013 for THEIR modification program. I am to pay 3 reduced payments Sept, Oct. and Nov. I paid Sept and Oct. In November, I paid all but $51 of that payment and Nationstar sends the payment back to me requesting they want the full payment upfront and all at once. REALLY!!!! So Friday, I have to Western Union the money to them. Nationstar sucks and believe you me, I am bound and determine to get rid of this bunch. Oh by the way, the $70,000 I paid to Nationstar only brought the balance down $4000!!!! WTF!!!

For months I called representatives of NationStar asking how to made Modification of my HELOG to Fixed rate mortgage without paying title, attorney and all extra closing closing cost. I never got an answer. On 11/08/13 I emailed a letter to Ms. Louise fax ** authorizing NationStar to review account to do conversion to fixed rate - fixed payment option. On 11/14/13 I got an answer "that the conversion has to occur within 7 year draw period which expired on 07/01/2013". On 11/18/ 2013 I told Nationstar's rep. that 07/01/2013 expiration date is related to $100,000 loan with origination of 07/28/2006. But this loan was modified to $120,000 with Loan Date 04/04/2007 - this is a HELOG that was acquired by NAtionStar Mortgage. I emailed them on 11/21/13 with details of modification to $120,000 with Loan Date 04/04/2007 that has the same provision that the conversion has to occur within 7 year draw period.

It seems that company has two sets of books, and account balance on the mailed statements are not the same what they have on company webpage. 10/21/2013 Statement date had 111,509.76 vs 111,151 on webpage. I sent four emails messages asking to explain difference and got no answer. I asked to explain why 52 days of interest were used to calculate 10/21/13 Monthly payment and got no answer. Behavior of this company is completely illegal and I need your help to fix it

I have inquired 4 times for a payoff amount and I am sure that their computer notifies them 'not to assist this customer as this loan is a CASH COW.' They will not give me the payoff amount. My figures tell me that I am paying 43k in interest for a loan that seems to have a payoff amount of 4.2k. I inquired about making a large sum payment toward the principal and I'm told that they don't allow overpayments to hit principal. They tell me that any large payment would simply go toward future payments. Makes no sense. This company is not answering questions with the purpose of raking in interest for years to come.

I have notified my lawyer as this seems to be an illegal practice and I know that my original loan did not include anything about overpayments. This is borderline completely illegal and I would have lower interest payments if I went through payday loans. What kind of company locks in a loan they buy at 90% interest for the life of the loan and will not allow overpayments toward principal.

Furthermore, this company's system cannot tell you looking ahead, how much of a specific monthly payment will go toward principal and how much towards interest. On the B of A website, you could access the monthly payments for the balance of your loan and how much was applied to each bucket. Thus, I could have viewed how much of my monthly payment in August of 2015 would be applied to the balance and how much to the interest. This organization couldn't tell me the breakdown for a payment to be made NEXT WEEK!!! I have scheduled a meeting tomorrow to seek a line of credit on my property to pay off Nationstar. If possible, I recommend people doing likewise. HOWEVER, I would urge every customer of Nationstar to go online and check your payments. This is one shady, poorly run, inept organization. Run if you can.

My loan balance was $160,478.17 when I applied for the modification, it increased to $173,170.67. This is abusive, I paid $169,000.00 for my home in 2006. I asked for a modification because I was unemployed and experiencing a hardship. How are mortgage companies getting away with abusing consumers? Being a naive consumer, I did not understand what I was signing up for, I was just trying to save my home. What can I do? Am I just stuck with owing more than my home is currently worth? Is there a non-profit agency that can help me? Thank you.

A few weeks go by and I call again and they tell me my house is going into foreclosure. Considering I have 2 children I found it important to move before being evicted. It has been almost 2 years and the house is still there and now squatters living in there. The house still has not gone into foreclosure. I lost everything I put into the home. There has to be something done rather than said about the practice of this company. My nest egg and the home I would have loved for my children to have had. GONE our tax dollars at work.

I called and got a very, very nervous and harried agent who informed me I had no choice in the date. It had to be on the first day of each month. But if I chose a day that fell within their grace period and they got your payment from your account in time. Fine. Otherwise you would be sent a delinquent notice. I have sent every bit of my correspondence and money by certified mail. I suggest anyone caught in this Nationstar Mess do likewise. Now I do not think this is over, even after my precautions. I am trying to get ahead of the game and am filing with the Federal Government and The State of Virginia a detailed complaint out lining the lack of consideration by Bank of America and Nationstar for those obligated to pay their mortgages.

There is no reason Bank of America could not have sent Nationstar all they needed to simply pick up at the point BOA left off. This was and is a calculated attempt to fraudulently generate income. If the over a thousand people complaining want an end to this with the Bad Guys getting theirs, file with your State Corp. Commission, Banking Commission or however it may be termed in your State. At least I strongly suggest you write a complaint to your two Senators and your Rep in the House as I am in the process of doing. Take some time and detail the nature of your individual experience. Be polite. Be concise. Do not ramble. And do so with Certified Mail. Ask for a follow up call. This is serious and egregious. If we do not fight back we will lose.

I received no return call from the loan officer. I paid December's mortgage on Jan 1. Shortly thereafter the officer called me and said I'd have to start the process all over again. I was sick from Feb through April, but started the submissions of information again in April. I couldn't get a commitment, nor would they tell me what interest rate I'd be paying. Their initial estimate of closing costs was just north of $10,000, and they advised that they would use a closing subsidiary whose fee seemed excessive.

After hearing nothing but requests for documentation, I finally decided to try Lending Tree as a source of financing. Two days after I applied for help, I was in touch with Loan Depot whose mortgage banker was very helpful and reassuring. After discussing my needs and desires, he thanked me and said he'd get back. SIX HOURS LATER I received a verbal commitment from him followed by an email confirmation. That was late September, 2013. I closed on the refinancing yesterday, November 14!

PS About a week ago I received a call from a NationStar mortgage broker. He saw that we had requested a payoff. He asked if I was refinancing and I said yes. He then tried to pitch me on a NationStar refi. I refusing I told him I had tried to refinance through his company for 18 months.

My advice to HARP refinancers, go elsewhere. NationStar is too sclerotic in its processing; their staff isn't knowledgeable or motivated. They just don't seem to care. Loan Depot is the exact opposite.

Well, unfortunately the next tenant did not pay and I had to evict her and it took 4 months. I cannot afford to pay that money on an "underwater" property. I explained the circumstances to Bank of America and they had sold me out that week in June 2013 to Nationstar Mortgage. I tried to work a deal with them with no cooperation. I offered to put the past due money on the end of loan and find a new "good" tenant; They disagreed. I offered to short sale the property and jumped through all their hoops. I had a buyer and an agent. They denied me after a four-month review. They said that I did not qualify for any program, because it was not my primary residence.

Well, duh, I wouldn't be in this position if I lived there. I spoke with numerous so-called "Foreclosure Mitigation Specialists" and had to re-explain everything every time each phone call in excess of 30+. I did everything asked of me and went above and beyond to at least short sale the property. They executed a foreclosure within four months and sold the property at a foreclosure auction. I still have not received any documentation of their actions as I have requested many times. They applied the new owner's purchase price to my account in the amount of $49,264.98 on 11/13/13. I believe this is borderline unethical.

I brought it to their attention and later that day the balance went back to $0. Then they re-entered the unpaid balance of $48,120.86 on 11/15/13. Every time I call to see what is the status of these actions, the "specialist" has NO straightforward explanation. I am still waiting for resolve in foreclosure and this has caused great distress on my family. I cannot afford this debt and may have to file bankruptcy. Before all of this, I had a credit score of 759.

Nationstar... I am not going to pay two insurance companies! What more proof do you need? Unfortunately, I live in another state, or I would go visit in person to tell them what I think.

Nationstar has refused to work with us despite having a legal contract for a short-sale signed. Nationstar has not approved or disapproved the short-sale. Instead Nationstar is trying to get us to place the property on their website called Auction.com. Nationstar wants an auction for a home they have not proven they have the note on and have not foreclosed on. This is not how short-sales work. We have asked for all documentation relating to our mortgage note and are sticking to our guns. We have the realtor and the Attorney General's office from Massachusetts working on the issue.

Finally after all this time retaining a real estate attorney on 11/12/13 we received a letter from BofA stating that Nationstar mortgage has been servicing our loan since 2/08/10. But as of today 11/14/2013 have still heard nothing from Nationstar mortgage. No correspondence by mail or phone whatsoever. This fiasco has forced me to get a principal only loan from a hard money lender on an apartment complex in southern California that I have been paying on since 1978 and had almost paid it off. So much for that retirement plan of mine. And the attorney I have retained has never heard of anything like this instance as well as any of his staff of attorneys.

This company specializes in late and bad payment customers and treats everyone like a criminal. After he pulled my credit score (which I did not authorize) he became very nice, but this is a horrible example of a Mortgage Company. They actually make reference to a debt collection in their calls. Bank of America is not exactly a gem either, once the loan was transferred over they have pulled all records of my loan out of the online system. I had to call and request tax info from them. One other little tidbit, the current CEO of Nationstar, Jay Bray, used to be with BOA. Anyone smell a rat?

THEY don't contact me or return my messages on the mortgage site. Yet they call every day several times. I had Aurora Loan Company and was very unsatisfied to have been sold to Nationstar. Now reading these messages, I can guarantee that my modification will not go through as well and I will be in a situation that I can't afford.

In November of 2010 during my chapter 13 bankruptcy, my mortgage was bought by Nationstar mortgage from Citibank. Now mind you, the trustee's office had paid my mortgage current and continued to get money directly from my employer each month and made all of my payments accordingly to Nationstar as well as Citibank prior to the buyout. In February 2012, the federal bankruptcy court sent Nationstar a motion which deemed the mortgage current (this practice was set up by mortgage companies in January of 2011 because they had been screwed by those coming out of bankruptcies for amounts still owed on mortgage loans). Nationstar had 30 days to think about it and sign off that they agreed that all payments on my mortgage had been made. Nationstar's legal department signed the motion in agreement that the mortgage was indeed current.

I received my discharge papers in April of 2012. I had already began making my payments to Nationstar on my own for the $2,032.69 mortgage payment amount that was given to me by the bankruptcy trustee's office. I made my March, April, May payment. In May I received my first post bankruptcy statement from Nationstar mortgage. It stated that my next payment of 2,032.69 was due on July 1st 2012. Later in May, I received a letter from Nationstar mortgage that my payments would now be 2,675 due to the fact that I owed them $9,000+ in escrow arrearages. Frantic, I phoned my bankruptcy attorney at the time and he began to look into and stated that I should not worry about this as Nationstar mortgage deemed the mortgage current. This was not possible.

Of course by October of 2012, we had gotten no response from Nationstar mortgage and yes, I called them. They would not talk to me as they knew that I had an attorney. They never sent proof of the arrearage amounts. My payment included taxes and insurance which both should have decreased, not increased during my chapter 13. In November my first bankruptcy attorney had a heart attack. I was forced to hire a new bankruptcy attorney to handle the case. I had to pay her a retainer which was not easy as again, I had made a lump sum to pay off the bankruptcy and I was trying to get back on my feet after having to pay back all of my debt in the 13, not so easy like the chapter 7.

My new attorney did try to reach out to Nationstar with no success. She would think we were getting somewhere with one of their legal team members and then all of sudden, they were gone. She was forced to re-open my chapter 13 bankruptcy in March of this year.. yes, re-open it. This is a good place to give you a rundown on the damage to me thus far. Nationstar sent persons to my home that had the appearance of crack and meth addicts in old cars that bled oil on my cement driveway. Yes, my driveway. I still make the payment.

These individuals would come to my door and slide their hands over their greasy hair and open their mouth, "you have not made your house payment. You better make it or Nationstar will take your house." I would ask them to leave kindly, stating that they did not have all of the facts. Nationstar Mortgage has cashed every single monthly payment since the payoff of the bankruptcy (20 months) yet they have reported to all 3 credit bureau agencies that I have not made one payment since July of 2012. Nationstar has not recorded my payment on their website in a consistent manner, yet again they have cashed the checks. They have continued to pay taxes and insurance, only with prodding from my insurance company and the auditor's office.

Nationstar reporting me to the credit agencies has actually lowered my score from the time of the payoff in February of 2012 from a 685 to now a 525. They are the only negative reporting agency on my credit report.. I have been forced to spend now $5,000 plus for legal fees for a new bankruptcy attorney. I have had to spend significant personal funds and personal time fight this situation. My house is now deemed to be in foreclosure, yet I have made payments every month. My credit score is ruined to no fault of my own. My bankruptcy case has been re-opened as a way to communicate with them, yet causing a great deal of shame and also put me at risk for losing my employment of 13 years. My elderly parents who moved in with me last year due to health and finance concerns, now worry about having a roof over their head. I will not even go into details about the amount of therapy I have had to get on a weekly to bi-weekly basis in order to just remain somewhat sane. My health has truly suffered.

My credit score has caused an direct 40% increase as of January 2013 in my mortgage insurance. I have this documentation. We live in such a corrupt society, I have no idea if I can trust the two new attorneys who have this case, let alone the trustee who managed my finances for me as the chapter 13 law dictates. I have copies of everything in this case and matter I have done more work than the trustee, and my attorneys combined and I am still the one being damaged. I cannot even begin to understand the verbiage and laws around all of these issues because no one wants me to understand them, for that I am not naive. I continued to make my normal payment amount of 2,032.69 every month and have to this day done that. Some months I get credit for making a payment, most months I do not.

Ok so as of July we were supposed to have a court hearing with the Federal bankruptcy court on July 17th 2013. My second bankruptcy attorney called me to inform me that the judge cancelled the hearing due to the fact that Nationstar's legal counsel stated they were coming up with a deal for me. By September, no deal, same damages, they cashed checks, reported to credit agencies and caused me to suffer. I spend more retainer money to hire a litigator as my 2nd bankruptcy attorney informs me that she does not know how to litigate. I call the trustee to understand why they are not giving me support with this as I would think they would want someone who paid their plan off in a chapter 13 to come out of this successful. No help from the chapter 13 trustee's office.

Again, who can I trust at this point? Now we have a date in court for December 3rd, my now two attorneys email back and forth to get advice from one another on how to file this or that. That is comforting. I have done nothing wrong in this. I own my mistakes, I am getting screwed. Thank you Nationstar.

My Mom is on a fixed income, 87 yrs young, struggling to pay the necessities of life, always pays her bills on time without reminders or provocation, even requests of her account holders to not expect pay "on" the 1st just in case it comes at odd dates, is confused as to why she would be hounded by Nationstar Mortgage when this will be her 3rd payment with them since becoming beholden to Nationstar Mortgage Co. I sure hope there is a way to get away from them before she becomes a victim further as others have voiced.

I contacted them via telephone and was told what was needed to complete the modification. I was very pleased because they said all they needed was 4 items. I sent them. In August, I received a letter requested a current Profit and Loss Statement which was 1 of the 4 items sent. I knew I had sent the current Profit and Loss (3rd quarter) but having been well schooled by B of A, I happily faxed another one. On the fifth working day afterward, I call to confirm that it had been received. I was told they had received it and that they would notify me after the review. I called today. It took 4 telephone calls and over 2 hours to finally get through not to my account manager but to an account manager.

When I asked why I had not been contacted since August 2013 I was told "we ask our customers to call in every 3 to 5 days to request information about their progress". They could go no further at this time because they needed a current P&L statement. In essence they did nothing because I was not calling in every 3 to 5 days so it was my fault. I asked when they were going to tell me I needed to submit ANOTHER P& L? She said I would have known if I had been calling in. I asked, "What does the file say is happening with my request?" She said the file indicates it is in review. I asked why it was indicating in review when the last correspondence they sent me stated if they did not receive the P&L within 10 days the file would be closed. Why did they not close the file. NO Answer.

I contacted HOPE/HARP AND HUD. I've been told my income is too high to be eligible for any of the programs and that my income is too high for San Bernardino County. I've been denied modification because, "You can afford to pay the house payments", "You don't qualify to be on fixed principal and interest because your income is not high enough." In the meanwhile my home is half the price I paid for it and I have lost the $200.00 I put down on it. After reading all the complaints I have decided if I don't get a modification, I will give them their home but I will give it to them when it is convenient for me. First, I will purchase another house. Second, I will slowly move everything I want out of this house while fixing up the new home and after not paying a house payment for at lease 6 months to as long as I can delay while saving the house money and finally collecting relocation fees. Why? Because I have gone through hell and lost so much money to these unethical banks and mortgage companies.

Let me explain. We purchased the home with my mother-in-law, but she was the only person on the loan. My mother-in-law passed away in November 2011. We called Nationstar so many times we lost count and always got the runaround. We were told that because we were not listed on the loan, they could do nothing. They promised several time that they would get to the bottom of the problem and call us back and not once did they do what they promised. The loan was upside down and they just didn't care to help. We had a right of survivorship, a will which gave us the home and we were on title. We had also made all of the payments and could prove it.

We were told that they were the only ones that could do a HARP loan and because we were not on the loan, we would not qualify. That was a bare face lie! Our payments are due on the first of every month with a 15-day grace period. Every month we start getting calls on the 2nd or third, I almost walked away from our home because Nationstar is the worst. Happy ending, we did qualify for a HARP loan with a different mortgage company and are in the process of getting away from these lying, cheating jerks. Thank God.

I just received a call on November 4, 2013 from a loan officer requesting docs that have been sent several times to Nationstar. I asked him if he can read all the notes on my loan process. He told me yes but still requested that I fax the docs to him. I am at a loss to find somebody who cares. Where do I go from here? It's a shell game to see if people in my position will just fold and go away. Almost like the Enron. Scandal. I'm looking for guidance to contact an advocate group to assist me with my process.

I am fortunate that I can afford to payoff my mortgage at this point and that is exactly what I did so that I do not have to deal with this HORRIBLE company. I would have kept paying it monthly had it stayed w/ BOA but I refuse to give any income to a company like this. I feel bad for people who have to keep on receiving this abhorrent treatment because they have no other choice. I have never experienced this level of customer service. It is simply the worst and BOA thinks nothing of their loyal customers when they sell their loans to companies like this. I am going to lodge a formal complaint with BOA as well.

I just sent them an email stating that I did not give them permission to apply that amount to the principal, & since I sent them 'real money', I either want a refund check or the amount applied to my next payment. They also sent me a transaction report & I noticed that there were late fees on it (I always pay on the 16th, which is NOT a late payment). Some fees had been reversed, but some had not. I told them that I would not sign off on my complaint to the Michigan Department of Insurance & Financial Services until these issues are settled. All of this business took a lot of time, but it was worth it. I'm going to work on a loan modification next. Please everyone, contact all the governmental agencies in your state & file a complaint. Maybe eventually we can get their license revoked. The BBB of Dallas, TX has suspended them because of lack of support to their customers.

After that everything went downhill. They started demanding the financial documents she said were for relocation assistance only and I had declined earlier in the month. Now I have a new representative and they are telling me they are going full foreclosure even though I did everything we agreed to in our first conversation! I filed a complaint with the BBB letting them know I didn't have minutes on my phone and Nationstar was refusing to continue communicating with me via email and everything I had been thru and received a call a couple of days later from a rude Nationstar representative. I tried to inform the representative that I couldn't talk and before I could say please contact me via email she interrupted me and said, "fine I will just tell the BBB that you couldn't talk because you don't have minutes!" And then she hung up on me!

I don't know how much more abuse I have to be put through when I was the one who contacted them trying to resolve my mortgage problems. I never want another mortgage again if this is how mortgage companies work.

Now the specifics: I'd been in the process of trying to refinance my loan since January of 2013. Nationstar acquired my loan in July of 2013. The refinance (through another bank) process has been long and arduous - culminating in a tentative closing date sometime in October. Strangely, my October statement reflected a $300 increase in my payment due. I looked over every detail of my statement and nothing explained this increase. The escrow amount was the same, the interest rate was unchanged, there were no new fees. So I called and spoke with several reps. No one could tell me why my payment due had increased. One woman - I swear - was just repeating my problem and not actually offering a solution. I hung up and decided to pay my usual amount, not the amount that they were inexplicably asking for.

Fast forward two weeks. My refinance lender calls and asks me if I’d made my October payment. I told him that I did, and that I can provide bank statements that show the deduction. He then told me that the payoff statement that they acquired from Nationstar didn't reflect my October payment, and that my refinance may be in jeopardy because of it. He then asked me to call Nationstar and ask them to update the payoff statement so that we can close the deal. I called Nationstar and spent the next hour basically trying to get them to tell me why my payments had increased and where my October payment went, since it clearly wasn't applied to my principal balance. Once again, no one knew what the hell was going on. I was bounced around to two more CSRs. One was actually stammering because he couldn't answer any of my questions.

FINALLY, after long hold periods, he got back on and told me that they determined that I wouldn't be able to pay off the loan in the time period that I had left so they had to increase my monthly payments. Did I mention that NO correspondence was ever sent to me regarding this? I should have asked for the amortization schedule because at this point, I didn't trust a word out of anyone's mouths over there. Anyway, I demanded that they update the payoff statement to reflect my October payment so that I could close the refinance. The CSR said that he would do it immediately and fax the corrected paperwork to the new bank ASAP.

The next day, my loan officer informed me that they sent the EXACT SAME INCORRECT STATEMENT that they sent previously!!!!!! He then told me that we could work around their incompetence and advised that we try to close ASAP. He felt that Nationstar would report me as being 30 days late and if they succeeded, my chances of being able to refinance would be killed on the spot. My refinance is set to fund at midnight tonight, but I still feel like I'm holding my breath until then. Nationstar is truly the worst and I feel for each and every person on this site (and beyond) who has had terrible experiences with them. I really hope that they're investigated for their shady dealings and ultimately restructured or shut down altogether.

I attempted to contact Nationstar customer service on Oct. to ask if we could start our new relationship between us new starting in Nov. 2013. They seemed to think I was talking a different language and continued to state that I owe them my mortgage for Oct. 28th, 2013. After repeated attempts to try to explain what "customer service" means, including trying to start off a new engagement with a customer that has NEVER been late with a payment, they continued to ask ,"Why don't you have the money available if you did not pay your previous mortgage provider?" My response was, "I have not heard from you until Oct 20th, why don't we just start new in Nov?" I wait on hold for several minutes, and the response I again get was, "Why don't you have the money available if you did not pay your previous provider?" I asked to speak with this person's supervisor, and after another several minutes spoke to someone that was obviously a "closer". She would not allow me to finish my sentences, and continued to remind me that I'm responsible for sending in my Oct. payment - with another special touch of, "I don't understand why you don't have the money available since you did not pay your previous mortgage provider".

It's obvious this company has no idea what Customer Service means - they are only worried about obtaining mortgages from the industry and collecting. If this company simply deferred my mortgage payment to start from scratch in Nov., I would have been a satisfied customer writing a very different review. However, going forward I'm going to pay my mortgages every month on time, and will take every opportunity to share my story with this sorry excuse for a company that is obviously only worried about making money.

I can accept the fact that you should never have your heart set on a shortsale. However this whole experience was positive until October. So, as I had my life on hold for 4 months, I then was RUSHED by the attorneys and Nationstar to counter. I was given unrealistic deadlines to counter, and then I was told if I didn't counter by a certain day, they were pulling their counter offer and I was ultimately just losing the deal. So in the end I had to make the decision to just say no. I feel sad because this would have been a great place for my son and daughter and myself. I feel sad for the borrowers. They have an awful sellers agent and now this. Everything was just shady. Shady sellers agent that I felt used a bait and switch tactic. Shady appraiser that I feel was making the decision based on what the bank wanted. Shady bank. I only hope the owners are able to sell. I wish them the best.

- An embarrassment to the mortgage industry.

By all indication of the complaints listed, this is how they DO BUSINESS. This was witnessed by my executive as well who I asked to participate and witness calls who stated "these people are a joke" and "fraudulent." I'm giving you the name of my mortgage attorney. This is abusive.

If you really want to stay in your home, keep calling. Do not get discouraged. Email the main CUSTOMER CARE email, get on it and do not stop until you get resolution!! A lot of PRAYING on my part helped too!! Good Luck to all of you!!

Here's my specific problem: Nationstar set up my mortgage to include the property taxes and insurance payment (escrowed), but they were not supposed to do so (clearly stated on line 1000 of the HUD papers). They acknowledged their mistake but refuse to correct it. Every time I call, they say, "I'll send a request to have this mistake corrected." Problem is you can't talk to the person that corrects mistakes. The request goes to a "research" department... and then the request dies, gets misunderstood or ignored.

Each time I call, I am greeted by a basically "friendly" person who tells me X, Y, Z. Call back, new nice person with a totally different story. This is a giant problem! There is no consistency with their story, details or account procedures.

Example, spoke with Kristin on 10/14/13 at 11:06. She said that she was very sorry to tell me that in order for them to refund the funds they mistakenly had in the escrow account, they would need to "request a new escrow analysis." She said it would take 5 days for the analysis and then 7-10 days to receive my check. I should then send that check back to them and they would apply it to the payment (principal and interest). I said that seemed strange that they couldn't just apply the funds from one account to the other. She said it was impossible.

Waited a week and called back on 10/21/13 at 11:51. Spoke with Deborah who said, "Why did you request an escrow analysis? That's not what you need." I told her I didn't request such a thing but was told that it had to be done that way. She said that I was told the incorrect thing last week and that they would send the check to me and that it would take 48 hours to process and that I should then send it back to them. 30 mins later, she called back and said they actually could apply to funds from the escrow account to my account and that I should write them another letter saying that's what I would like them to do. Did you get it? Two times I was told that they can't just transfer the funds, and then all of I sudden, it's possible. So, that's where that stands for now. I need to write a letter and see where it goes.

Bored with this story? Me too. And that's only the tip of the iceberg! This kind of nonsense has been going on for MONTHS and there is no end in sight. This lender is outrageously incompetent. Worse part of all.... they threatened to report me to the credit agency, despite that fact that I have never missed a payment and don't owe them 1 cent!?! That's what put me over the top.

I try another of their # and I'm on the phone on hold for 2 and 1/2 hours. A young lady answers and says I need to understand they are really busy. They just received a bunch of loans at the same time from B of A. And I probably would not get contacted from my loan specialist for 2 to 3 weeks. I get another threatening letter and a registered letter, and contact my loan specialist. He answers and he tells me, "Don't worry. These are computer-generated letters." I could ignore them, I bring it to his attention that I'm currently under a contract of a loan mod. and he says there is no record of this. I faxed all the signed and dated docs to them. You would think this is the end of the story but NO!

A week later I receive an email saying I've been approved for a loan mod. From Nationstar. Now this loan mod added $200 a month more to start, change my final interest rate from 3.75% to 4.5%, oh yes, and added 200 payments. At that rate, I also only had 2 weeks to respond and this offer would be off the table. I contacted Nationstar 1 more time and the man I talked to said that I could chose to accept their mod or continue with the one from B of A. Now after my 3rd payment, I receive a FINAL DEMAND letter from Nationstar saying not only that I have a shortfall but that on Nov. 22, they will be enforcing their right to secure the property. I should add that I have taken notes of everything said not only with B of A for 3 years but also with Nationstar, # of times, called time, date, who I talked to, everything. I ask you, is this the intended making homes affordable plan or making your home the mortgage company's home?

The last request was a letter from my roommates stating that they live here and a credit card statement with my address to verify that they live here. Ok, my roommates agreed, but now they are getting worried and thinking on moving out. Nationstar now wants proof of income????? I told them that's asking way too much!! My roommates are not applying for a loan and my roommates are not going to disclose personal information to Nationstar. One of my roommates' source of income is rental property and alimony and teacher assistant. She only gets a paystub from one of her jobs; the other two would have to come from her last years income taxes. She refuses. Now I might lose another roommate!!! Nationstar is driving me out of my home.

As far as I'm concerned, they have prevented me from making money by making me ask for proof of income from my roommates. That could not be legal, JERKS. I'm not done with this fight yet. US consumers have taken the financial, emotional beating from financial institutions' greed. They have made their money, from all the years they have cheated consumers. I've tried using NACA as an avenue to assist me in negotiation, but they ignore them. Wish me luck.

Well that would be all well and good if you didn't need the money to have the work DONE! They sent us a load of paperwork for us and our contractor to fill out and send back, which we did, in a priority mail envelope with another priority envelope enclosed for them to use to send us our check.... NOTHING!!!! They have picked apart everything we have sent, no major information was left off, it was completed as requested by them, but they still have our money.... We are frustrated and see no end in sight. They have repeatedly been extremely rude to us when all we are doing is trying to repair our home. If anyone has any suggestions on how to speed up this process we would be grateful...... This is getting very old....

I have made nine phone calls between September 10th and Oct 11 and still have no results. I can't find out if the documents faxed were ever received or if anyone is trying to resolve this problem. I am so frustrated. They are threatening to foreclose. My credit is getting ruined. I'm in the process of refinancing which is over because I show my mortgage in arrears. I can't get anyone at Nationstar to help me. I asked to speak to someone in the research dept. but was told by Rita that there was no number for them other than a fax, and she doesn't even know where the research department is.

I don't know what to do or where to go for help. My mortgage is not behind. I can't get anyone to look for my lost payment. Their customer service is horrible. They have kept me on hold for as long as 18 minutes and never come back to the phone. I had one representative named Cynthia promise to look into the matter and call me back, but she never did and no one knows who Cynthia is. PLEASE HELP ME. Thank you in advance for any help you may provide.

I was sent a letter stating that I needed another piece of information, an explanation for my hardship. I submitted it on August 26, 2013. I called in a few days to ask if my file was complete. They stated that they believed it was. A few days after that I received a letter stating that I needed to submit a W2 / 1099 document for $55, I called to explain that the document was there in the file. The representative said yes it is, so my file should have been complete. I was notified a couple more times for the same document. They continued to tell me the document was not there. I re-sent the entire file again.

Then on Oct 12, 2013, I received a letter from an attorney telling me house was submitted for foreclosure. Just so you know, I received an ACT 91 form and did seek out the help of a counselor who did notify them before the deadline that I was working with them to try to obtain a loan modification and a loan from PHFA. I was told that I had to wait approximately 90 days before I would know whether they would loan me the money to bring my mortgage current. I did this on 10/2/2013. Nationstar was notified and should not have taken foreclosure action but they did. As I stated, I received a letter from the attorney on 10/12 just 10 days later. I am still trying to work with them to get a loan but I don't know where things are. I am also going to find an attorney to help me sue them as they have not worked with me professionally or legally. They are taking matters into their own hands without any regard for the law or its process.

After a month of phone calls and never being able to talk to a supervisor, I had it all straightened out and they turned around and did the same thing again. We were not applying for any loans, yet they took our house payments again and put into this phony escrow account and paid my taxes again after I have paid them, and want the money back. The County will send my refund back to me in 1 or 2 months, but in the meantime, Nationstar will NOT work with me about cleaning up my credit report or the interest I am being charged daily until THEY get their money back. My credit is being ruined because of their mistake yet I am the one having to make phone calls to this company and am on the phone 3 hours at a time twice a week with no results. Every time I make a house payment, we get further behind because they WILL NOT APPLY IT TO MY HOUSE PAYMENT. There needs to be an internal investigation on the company. They are deceptive and I am sure there is some fraud going on in this company.

Go online and check them out. There are 992 complaints about this and they are being sued for several things. I would like to know where I can join a class action lawsuit against this company. They have made my life hell for 8 months and counting. Jay Bray (CEO), please read this and do something about your incompetent company and PLEASE SELL MY LOAN.

I was a couple payments behind with Bank of America and had set up payments to bring it current by paying every other week until it was. When I found out the mortgage was being transferred, I called BOA about the payments I had set up which would run past the transfer date. They suggested I cancel those and call Nationstar to set them up. I did so but they refused to take anything less than the total amount due to that point. I explained that we had some unexpected large expenses and that I was trying to bring the mortgage current. The woman I spoke to told me that they would not take a "partial payment."

I explained that it was not a partial payment, I was trying to make one month's payment and then another month's payment in two weeks. In the meantime, another payment would be coming due and I intended to pay that one in the next two-week time period. She actually suggested I not pay anything until I could pay the total amount of all payments at once whenever that would be. So basically, she was telling me to get three months behind and then we'll accept the payment. This did not make any sense to me so, luckily, I disregarded what she said and made a payment online.

Well, of course they applied it incorrectly. I was two payments behind and they applied the full amount to principal and still showed my payment to be behind. I didn't see this in the transaction history until after I made the second payment and they did the same thing. I called and after being on the phone forever, I had to basically give a lesson in how mortgage payments are applied. They told me it would have to be researched and that it would be about five business days to resolve it. I said that was unacceptable since it was clearly my mortgage payment amount(s) and asked to speak to a "supervisor." Finally someone came on saying they were a Supervisor and told me the same thing but would try to "accelerate it" and would call me back the next day to verify that. Of course, no one called. I checked on the website and both payments had been reversed out and put as payments. It didn't look like they applied them correctly to principal, interest, and escrow but it didn't say those were due any more.

I then looked them up on the computer because I didn't have a warm and fuzzy feeling. They were very rude with the first woman telling me they couldn't accept the "partial" payment because some people say they're going to pay and then empty out their checking account when the payment is due to go through. I said I wouldn't have thought of doing that in a million years. I think they try and keep you late so they can try and foreclose. I saw the website with over 900 complaints about them. I don't understand how they can get away with their practices. I received certified mail saying that if I didn't pay all that was due that they would begin foreclosure. I called again and they said that I owed an additional $3000 plus but couldn't tell me what it was for. I finally figured out that they were referring to my escrow which they thought I owed up front.

I explained how that is included in my mortgage payment. They didn't quite understand what I was talking about. They finally transferred me to their escrow department and they confirmed it was included in my monthly payment. I asked if I would be receiving a new escrow analysis (new bank) because their web site claimed it would be done again on September 1st. I asked about that date and she said "around that time." As of September 30th, I still had not received anything and there was no statement online. On October 1st, there was something listed as part of the bill. Of course, it's going up by $200 with no explanation. Have to call them back again. Can't wait.

Since reading all of the complaints, I have documented everything and have started a Nationstar file. I'm finally caught up but I paid one day early for the last payment and they applied it to principal, not my payment. Had to call again and speak to a Supervisor. Also, had to have them look at the way they applied my previous payments. Were all wrong. They finally reversed all and applied correctly after I explained how they should be applied. Very stressful. They said that I owe $12 for someone coming out to make sure the home was occupied even though I had told them it was each and every time I called. I don't trust them and think that something needs to be done about them. They are rude, incompetent, and shady. I'm sure this is not over...unfortunately.

My sale date for my home is today and recently as Tuesday this foreclose prevention a specialist said it was possible to get it delayed since all the docs was in. I called and spoke with several reps and sadly I get several different answers and lies. I think they are trained to lie and deceive you with no intentions on helping you to save your home. I'm so disgusted with NS poor customer service and they are not holding up to their word. The papers I read all said as long as you are in the process of a loan modification they will not foreclose on your home.

They lied. My home has been sold and Hector will not call me back or email me back. They strung me along to foreclose on this home because I also, after reading reviews last month, tried to do a deed of lieu and they denied that and I had to call over twenty times to get an update on that. I asked Hector, “Could I do a short sale and delay the foreclosure and try and get an offer rather than to foreclose on the house?” And he said, “If all the docs are in for the modification, you will be safe.” It's very illegal what this company is doing to me and numerous other people.

October 2 in the am, I mailed out October's payment, and that afternoon, I got a harassing call from Nationstar stating "We are a debt collection agency. When can we expect your payment?" I told them it was mailed, and I did not appreciate the call. Furthermore, I am not in arrears, and this is a mortgage, not a delinquent collections account. I informed her if she called again, I would contact an attorney. Today, 10/7/2013, I opened my mail, and have a letter stating I owe $2,363.45 due 11/1/2013. It also states the last payment received was 10/1/2013? I have no idea what they applied on 10/1/2013. They have me scheduled to make a double payment, minus some unapplied funds of $20.31, which were in my account because I pay an even $1200.00 every month, even though the amt is only $1191.88. They clearly have messed up somewhere. They are idiots, and so infuriating.

I think they are shady, and I am furious with BOA for dumping mortgages, after getting bailouts, and making money off all of us. They are equally incompetent and greedy in my eyes. I tried calling BOA, but of course they forwarded me to Nationstar. It makes me want to sell my house and rent. BTW, has anyone researched Nationstar? Like who owns them? BOA? Is it a phantom company? What the heck!

Long story short, Nationstar, rather ReconTrust, foreclosed on our home October 1, 2013. When I spoke with Jay, he informed me our file was in underwriting and the profit and loss statement was the only thing needed. I told him I had seen that there was a sale date for Oct. 1st and asked if it could be postponed until a final decision was made. He said it could be requested, but was not guaranteed that it would be postponed. All the letters I have from Nationstar state that "no foreclosure sale will be conducted and you will not lose your home" during the HAMP evaluation. Well, that's just propaganda because our home was still sold and we never received a formal denial. I've tried to speak to Jay ** to no avail. I emailed him and he won't respond. I spoke to several people in different departments: foreclosure, loss litigation and so forth. Basically, I've been told that what's done is done and get out!! It's out if their hands they say.

I plan on filing complaints with Consumer Financial Protection Bureau, Federal Trade Commission, Department of Finance, Attorney General and any other agency that can go in and properly investigate. My belief is that BOA is in cahoots with Nationstar. I had previously also filed complaints on BOA with the Federal Trade Commission. BOA called me the very next day, but shortly after, sold the loan to Nationstar to "complete what they started". I am now in the process of getting assistance through the REO Rental Initiative to see what our options are as far as a time line for evacuating. This has been an emotional roller coaster and my prayer is that the government will step in and stop these investors from putting innocent people out of their homes. I have all my letters and contacts if further proof is needed. Thanks for this opportunity to voice my complaint and hope that something positive results from it.

Verification was made the two months payment had arrived at Nationstar and my loan was current. The next month , lo and behold, Nationstar implemented the automatic payment service! Great, except my credit union also sent a payment as we had arranged through their bill pay service. This means two payments were sent and I only had $200.00 to live on the rest of the month of Sept. I was able to speak to a customer service rep at Nationstar and arranged for one of the payments to be sent back to me. This customer service rep struggled to understand the situation. He actually said he'd send the amount back less $200.00! After I pressed him about that, and he consulted with a superior then agreed to refund the full amount. The checked arrived 10 days later.

A few weeks after this I received a letter from Nationstar stating the Sept. payment had been received, Oct. was paid in full (not true) and that my next payment was Nov. This caused me concern, as I felt they again had their wires crossed and didn't realize that the Oct. payment was not paid. Greater absurdity came several day later when I received another letter dated Sept. 30th. I quote: "Your loan is due for the September 23, 2013 and October 1, 2013 payments and is in default. The total amount due is $0.00. Nationstar Mortgage LLC would like to help you avoid a very serious situation. Unless this delinquency is paid by November 4, 2013, we will accelerate/demand your loan and begin the foreclosure process. You could lose your home to foreclosure."

It goes on, but this is the beginning paragraph and the most threatening section of the letter. Of course I contacted and spoke with another customer service rep about these poorly-worded and confusing letters. She confirmed that the Sept. payment was made, that the Oct. payment would be automatically deducted from my credit union account on Oct. 10th and that I should just ignore these letters, that the statement I owed $0.00 should have caused me to understand that I didn't owe and there was no concern.

I told her that the opening statements in the letter were clearly definitive in their intent, that Sept was not paid, Oct was nearly due and that my loan WAS in default. I also said that whoever creates these letters ought to have their head on a chopping block, as they cause great distress and worry to every individual that receives them. Further, these letters are poorly worded, not based on fact, confusing and bullying. NATIONSTAR MORTGAGE IS THE MOST DEVIOUS INCOMPETENT MORTGAGE COMPANY I HAVE EVER DEALT WITH.

During the process, they scared me into signing a paper saying I owed them over $2,000 and would pay it back in monthly installments. This never made sense to me and I kept telling them I wouldn't sign the paperwork on the loan but would for the deed in lieu paperwork, but as I stated they kept telling me I had to or the deal would not go through; pushing for it rather harshly. The attorney I spoke to (theirs) stated that if I didn't sign it, they would foreclose and my credit would be ruined. I finally gave in and signed it. Deed in lieu of payment means they accept the deed in lieu of any other payment. I didn't sell them the house so this couldn't possibly have been closing costs. Why would they do this? I still have no answers.

It gets worse from here. The system they had set up for payment had no online options for making payments. I would send in a check and it would somehow end up in the escrow account and then I'd get harassing calls telling me that I owed the payment. After talking to them on the phone, I realized that the only way I could make payments was to wait for them to call me to make the payment! I couldn't call them because they would only take a message and have the person taking care of my account call me back. I was at the mercy of random returned phone calls to make a payment! All of this on top of being unemployed. Finally after discussing the issue with a couple of friends, we came to the conclusion that this whole thing about owing money and payment options was fishy.

I stopped making payments and they supposedly sent the issue to a collections agency. This has never shown up on my credit report... not the loan, not the collections agency, nothing. I continue to get demanding letters and calls for the money from the collections agency and have now for several years. Please, will someone help me find a way to get this monkey off my back? It took me almost a year and a half to find a job and get my finances back in order but I have no intention of giving in to this harassment.

She stated that the final pre-foreclosure letter is set to be mailed on or about October 23, 3023. I have been making my payments and do not see any reason for this kind of gross negligence and incompetence. it is obvious that Nationstar wants to foreclose on my home regardless of remedies I provide. Nationstar has requested a hardship letter from me and I supplied one, which they rejected. I have supplied a second letter and I am waiting on its outcome. I am set for a long battle with Nationstar and they have treated me like garbage. I leave all problems up to the Lord. He is in command. I built this home with my two hands and I intend to keep it over my dead body.

After reading all the reports on your website, I can only assume that Nationstar Mortgage is in the business of defrauding consumers.

I told the guy that's what my payments are for. "Oh would you like me to put them towards your mortgage payments?" Yep, he went there. So I get this letter today threatening me with foreclosure with a total amount due of, get this, $0.00. How can you start foreclosure process if I don't owe any money? To me, this is harassment. I'm actually in the process of filing bankruptcy and I'm keeping my house, but the other creditors that I'm defaulting on don't even come close to harassing me like this. In fact they aren't bothering me at all. I just get the late payment notice, that's it. I'm just glad I'm going to sell my house next year and some other poor souls can deal with them.

My next home, I'm going with a credit union. Forget this garbage. This is absolutely the worst company I've ever dealt with. I'm amazed they have not been sued for their business practices.

Again, I was absolutely upside down with the backwards, unscrupulous, tactics of this bank. It's like Moe and Curly sitting in a closet doing business? ** Who does this!!!! When I called to inquire I was told that they decided to apply the money on something else in my account. HUH??? The next month they sent me another check!!!! Which I was afraid to cash because my bank was charging me for the returned checks. I can't with this mortgage company. Sorry with a capital S.

My loan papers state that my interest rate is based on the Libor rate (0.395% in Aug. 2013) plus the bank margin of 5.9%. Add those two figures together & it's less than the 8.9% interest rate that I have paid for years. Therefore, my payment should not have gone up. My rate can't go up until the Libor rate & the bank margin exceeds 8.9%. I believe that this is a scam & I am meeting with an attorney tomorrow. HAS ANYONE ELSE HAD THIS PROBLEM? If so, please contact me.

It was clear to me that this was the first time that anyone from Nationstar had contacted Bank of America for this info. That conversation led me to contact the Consumer Financial Protection Bureau. This would hopefully force Nationstar to respond to me & resolve this issue. I got a call from a Nationstar manager within 2 days. They had posted the payment to another account & would reverse the error & take off any late fees they had tried to charge me. Two days ago, I got a message from the Consumer Financial Protection Board that Nationstar had submitted their resolution of the matter. Amazingly, it was still incorrect - they had posted the wrong amount! I have now disputed it.

I agree with the other posters - document everything! Double check your payment history to make sure that payment amounts are correct. Contact the Consumer Financial Protection Board. While everyone was pleasant at Nationstar, it is quite clear that they have not been trained properly. They are definitely not equipped to handle this huge amount of B of A transfers.

Today they offered a refund for the first appraisal as compensation if we walked away. Their decisions have left us with a 22 year mortgage instead of a 14 year mortgage. Pretty big deal when you are in your early 50's. Even after 14 months Wayne ** said he did not expect the loan to close in 30 days, a time frame we shared as the deadline before we seek legal counsel. This coming week we will allow the third appraiser to walk through our house. Nationstar still claims the rate will be 3%. Big deal if they don't set a closing date. The loss of the 3% rate translates into tens of thousands of dollars. For the record, we continue to make mortgage payments to Nationstar; always on time! We made a commitment.

After sending in all my documents, my file went to review with an underwriter approximately August 26, 2013. On September 12, 2013 I called Nationstar to check the status of my loan modification and spoke with Paris **, who is my 5th dedicated loan specialist. She informed me that the underwriter did not receive my file until September 10, 2013. I told her that this is not correct. I have documents that showed that the underwriter had my file since August 26th. Approximately two days after I spoke to Ms. **, I checked Nationstar's website and discovered that my loan is now escrowed. My loan has always been and should be non-escrowed.

On September 24, 2013 I check Nationstar's website to see if there were any updates on my loan modification. I discovered my modification was denied because "there are other possible alternatives that may be available to you" i.e. loan modification, deed-in-lieu or pre-foreclosure sale/short sale. Deed-in-Lieu and foreclosure/short sale is not acceptable because I want to keep my home. I tried to reach Ms. ** several times through her extension, but the calls go directly to customer service. In my final attempt to reach her on September 24, 2013 I was transferred to a loan specialist named "Anthony **". He notified me that my loan modification was denied on September 20, 2013 because the escrow would have been more than the principal and interest payment.

As I stated, I would like to keep my home and ask that NationStar review my file again and hope you can provide a loan modification. Thank you.

1. Document every contact, date, time, person, ph#, and email that you have with NM and summarize the discussion; 2. Contact the Consumer Financial Protection Bureau (CFPB) at http://www.consumerfinance.gov/ or (855) 411-2372 and submit a complaint; the sooner the better; 3. Contact your State Department of Finance (whichever state you are in), and submit a complaint; the sooner the better; 4. Start a paper file and an email file very important.

I battled with these mostly polite representatives through NM's inept and incompetent system for a long drawn out month and was getting nowhere. I decided to contact the CFPB and my state's Consumer Protection Agency and submitted complaints detailing the issue and all the communication I had with NM. This is where my files and documentation really helped. Within days I had official letters and emails from NM management stressing how important I was as a customer and that they would get to the bottom of the issue.

They finally did correct their errors and fixed our account over the next 2 weeks. All was clear sailing; however 4-5 weeks later we received a foreclosure notice in the mail from them. I went through the proverbial roof. I called their customer service # and they had no record of sending the foreclosure notice (shall we say excessively appalling system). They did track down their mistake again and sent me another apology letter (always require them to send one).

I now have set up a separate checking account with my credit union at no cost (they were extremely helpful in assisting me with NM - credit unions usually are), for my mortgage payment only (no checks were ordered or used). I deposit our mortgage payment each paycheck into this account automatically (10th & 20th) the month before the mortgage is due. Then through the credit union (very important) I have the mortgage paid two days later automatically. This auto pay is not through NM system! They cannot draw from the account and mess it up.

Since my mortgage is due the 1st of the month, I am actually paying it a few days early. This means the principal is paid off a bit earlier (less interest paid), and it affords me 2+ weeks to check NM online to make sure everything is correct. Through the credit union's system I can also send extra principal payments $10-$20 bucks every once in a while. Try it, it's kind of fun. You may need to notify NM through an email that any extra $ are to go to principal. I most truly hope this helps.

I think Nationstar should hire more professional people who can resolve issue with property taxes, insurance, who are able apply payment without any issue, who can speak with customers professionally, who can manage any account professionally. Nationstar should stop calling me on my cell phone when I can make next payment. Nationstar should hire people who are able work with customers with professional manner.

We had already given our 2 months notice to our landlord and promised to vacate the apartment by September. We had packed up most of our belongings and was just waiting to close the deal. The sellers moved out to start their new life and everyone was excited. The day of the closing we heard from no one. No one could be reached. This is when the nightmare begin. We did not know what to do.. We have always paid our rent on time, never late so the thought of being evicted and having little or no family in MI was very frightening to say the least. I have never been without a roof over my families' head because we have always worked hard and provided for our family.

We heard nothing from CREFCO. The only one that kept in constant contact was our agent at RE/MAX. They called, we called. They e-mailed, we e-mailed. Nothing. Finally around the 6th of September we met our agent at RE/MAX and everyone got involved to help. Our agent's boss called several times to several people from the office and one of the loan officers at CREFCO sent an e-mail stating the underwriters at Nationstar said the down payment for FHA Loan Programs had end. We were told we needed to asked one of our relatives for a gift to help with the down payment. They had already taken $500-600 dollars from our account for an FHA Appraisal; $350.00 to $400 for a Home Inspection that no one bother to check with me about the findings and a $1,000 deposit to hold the house. The sellers had agreed to a 6,000 dollar concession to help with the closing cost.

We have no idea what happened to this. We had to fax over 500 copies to CREFCO. Most of the copies were copies we had already sent. Ink and paper run up into hundreds of dollar. Everyday I had to get up day and night faxing documents, sending e-mails, making phone calls. My hands and feet swelled up from all the sitting and standing with 4 different types of arthritis all over my body. When our family members gifted us the money and they verified their incomes, checked into all of their financial business they were still not willing to close. We had to get about 4 extensions from the sellers. The landlords agreed to let us stay from the 15th of September to the 30th of September for $707.00 dollars. The sellers agreed to the last extension of September 27, 2013.

We were told that everything would be settled by then. All they needed was us to send the bank statements from our banks again, our income tax statements from 2011 and 2012, insurance and tax statements, a reason why I was paying my eye doctor 10 to 15 dollars a month, a reason why I was paying a man $45.00 to cut my grass every month. Anything they could think of. Then they said I did not pay income tax on my Social Security disability. It was there on my 2011 and 2012 income tax statement. She checked it out and found it to be true and I also reminded her that medicare takes out 1200 dollars a year also. They asked me to give them permission to get a copy of my income tax statement from internal revenue. I did but now they want me to unpack hundreds of boxes and find the tax forms and fax them to them again.

We were told we needed 4,700.00 in our bank account to close when it was $3585.00 before. Now they suppose to have everything they needed and the underwriters would approved and we would be able to close but all the paperwork I faxed them was not clear enough to read. Well, they took all my paperwork to our agent and he e-mail it to them. We have not heard not one thing after this and today's date is 09/27/2013.

We have filed a complaint with the BBB on the 22nd of September. We heard from Nationstar and they told me they have never heard of CREFCO and they do not have our mortgage. We know that's not to be true because Nationstar has tried to get us to sign documents that would alter the original contract making us pay a higher rate of interest. We did not sign nor return the papers. Now, if we are still in the apartment by September 1, 2013 we will have to pay an estimated 1500 dollars a month and lose all the money we have invested in this and we will have to start all over again. After the findings of the BBB who I cannot understand how they can be accredited by them and have over 950 complaints against them, we plan to sue to get all the money we have spent, file a class action suit, a civil suit and suit for pain and suffering against this corrupt company.

However, 4 days later, I missed a call from Nationstar and was completely angered when the message said, "We understand you might be interested in refinancing your mortgage. Please call me back and I will explain what documents you need to initiate the process"!!! Are you kidding me?? Call you back? I decided at that point I would email them through their website venting all of my frustration. So what happens next? No responses to my emails. However, I suddenly received an overnight FedEx envelope containing the same original blank documents that I already sent in. Not long after receiving these documents, the calls started coming in asking when I would be completing the forms so we can initiate the refinance process. I emailed them again saying, "In the event you are doing anything with my original refinance request, STOP IMMEDIATELY." Once again never got a response. I have never dealt with a mickey mouse operation like this.

Now I made the best choice to refinance through another bank but lo and behold, I received a letter from Nationstar saying since they weren't given 30 days notice of the payoff then they will charge me a full month's worth of interest, NSF Check Fee (for what reason???), Mortgage Insurance Fee, and will retain my escrow until all funds are received. How can this even be legal? This company needs to be investigated. I will fight this. They are not going to win this battle.

Lastly, I always make my mortgage payments and take full advantage of the grace period. This is simple math. You hang on to your money until the last minute as it's your right to use your cash flow to your advantage. The banks have not earned the right nor do they deserve to benefit from consumers paying early. Well right from the beginning, Nationstar started calling on the very day that the payment was due saying this is an attempt to collect debt as my mortgage payment is late. I also received a letter just last month (two days before the payment was due) threatening me that they are holding funds until the payment is made in full. Huh? Are you kidding me?? Who do these people think they are??? This infuriated me to the point my blood was boiling so I called them expressing that I am extremely angry over this. Their response... "Oh we are sorry. Your payment isn't late... We just automatically start calling when the payment is due."

People, please hear me out. Walk, no, RUN away from these people as quickly as possible. It will save you years of grief.

My mortgage is now going up $400.00 more a month and when I asked them about some type of backup they said that they have no previous records from BOA. They are just going by the index market. Does not make sense and if it is correct they need to provide you with the proper explanation and documentation. I am very unhappy with Nationstar and it seems to be others also.

I spent 40 minutes on the phone went through 9 people and 3 hang-ups from them before I was told that they are not escrowing my account and that they never paid my insurance premium. They denied that they made the payment even after I was able to give them their check number. Then they said will you have 2 mortgages with us and maybe it was out of the other loan and I told them I do not have 2 mortgages and requested that they use my SS# to look up to see if there was a possibility of another and of course they could not find another account.

When I asked to speak to her supervisor she put me on hold then she came back and said she was having 3 other people look into it so can I continue to hold. So I held on for another 10 minutes only for her to come back and tell me once again that my mortgage is not escrowed. Once again asking for a supervisor was placed on hold and then disconnected. This is the worse mortgage company and something needs to be done to clean it up.

The original first loan was BOA which I guess got sold to Nationstar. The current balance on the the first belonging to Nationstar is 49k. It also has a credit line of 45k. This is through BOA. I had a cash offer for 32k so I submitted all documents needed for short sale and there is a lot of them to Nationstar and BOA. Nationstar kept asking for same paper work over and over but I comply. Nationstar has counter offer for 45k and they are not budging. Original offer was 30k, buyer counter offer for 32k so there is no deal. The kicker is BOA being the second responded well and pretty quick to my surprise. They will take 3k for the 45k and release the lien and forgiveness of debt.

So I am a bit confuse why would Nationstar take the offer and not let it go into foreclosure which involves cost of attorneys taxes insurance and upkeep well maybe not the upkeep. It seems they prefer to foreclose on it at a much greater loss. When the property goes to auction they will be lucky to get 15k at best not to mention everyday that goes buy property condition get worse and worse might not even find a buyer for as it is surrounded by abandon home. Maybe this is the reason there are so many abandon homes in bad areas that investor would not touch you think!

The property is worth 30-40k at best its probably been strip buy now because its abandoned and in a bad area in Tampa and we all know what happens to homes in bad area. Any help or suggested would be greatly appreciated.

They hit my credit during a time when I am in the middle of another property purchase. During all of this, I've been transferred an untold number of times between customer care, escrow, insurance, and any other department they can push their incompetence off on, so as to delay fixing their self-inflicted problem. This has to be the singularly most incompetent group of people I have ever had the misfortune to deal with and at the first possible chance (after an attorney gets done with them) I will refinance and never deal with this group of morons again. Save yourself. Stay far away.

So I called my loan officer and told him I had serious concerns about his company. We discussed my concerns. Some of his answers made sense but some did not. I told him I was concerned because I have great credit and we just want to pay off our home earlier so my husband can retire and I don't want to risk either. And since so many people said their credit was ruined by their practices and unwillingness to correct problems, I decided not to proceed with the loan. I told him my gut feeling tells me this is not the company I want to go with. He told me sometimes you need to go with your gut feelings. I took that as a confirmation that I was right. Thank you to all who posted your experiences! I believe your posts saved me from making a huge mistake!

My contract states that I have through the end of the month to make my payment before it is "late" and through the 15th before late charges can be applied. So I have been getting called during the first week of the month with this harassment calls. I have stated I get paid at the end of the month so they have to wait like I do. This has fallen on deaf ears. I have sent e-mail stating the same and it continues; calls all the time...even on Sunday morning. This company truly sucks. Please contact me when somebody can figure out a lawsuit against them.

When I called Nationstar they just said it’s not their problem. Writing my mortgage payment to these people every month actually makes me sick to my stomach because we don’t know what we are facing each month. Thank you BOA for selling our loyal mortgage after 10 years (with no warning). And thank you Nationstar for ruining our lives! Someone needs to stop this company. You would think with literally thousands of complaints for the same thing someone would say "Hey this is mortgage fraud and this company needs to be stopped!" Meanwhile, we just keep getting screwed by NATIONSTAR MORTGAGE!

The first customer rep told me there were known problems with the website. Assured me he would fix it "as soon as you hang up". Three phone calls, twelve hours later and having to make a request to speak to an American (which I've never done before), the customer service rep assured me that the funds would be back in my bank account within 2-3 days. When I asked why so long for an electronic funds transfer he told me it wouldn't have been had I talked to them sooner!!! When I checked the website the following day... the payment was finally listed AND the reversal of funds was listed for that same day. Not the reality of two days later.

I waited a full week waiting for the reverse transfer. But nothing. I had to call them again (by the way, their phone tree is 3 minutes and 45 seconds long until you get the right option). The rep then tells me that a check was mailed and "what do you expect me to do about it". I got transferred around and the supervisor who finally came on the phone told me that it was too difficult to do an electronic transfer. Meanwhile, TD Bank very graciously refunded all of my overdraft fees except for the initial $140.

Today I received a call from their CORPORATE customer service rep. She said that there was no fault with Nationstar and it was ALL my fault. They took absolutely no responsibility. And no, they would not refund my $140. She also said that the reps I talked to should NOT have told me the funds would be transferred electronically because they have no way of knowing that. Really? Are you serious? If they have no knowledge of how things work how can they provide customer service?!? They should've saved their corporate customer service call. They've only made a bad situation ten times worse. And solidified my opinion that I should refinance just to save myself from them. Horrible customer service and treatment. This company is a nightmare. Stay far, far away!!!

This company has committed FRAUD against thousands of homeowners, including myself... and everyone is correct... nothing is being done about it. Even the local senators and reps, although repeatedly hammered with requests for help, have done absolutely nothing!! Including my own senator Nelson, and Rep. Rooney here in Charlotte County, Florida. The rate of ILLEGAL foreclosures here is astounding!

I have been doing battle with this company for nearly 3 years. CitiMortgage, my lender, sold me down the river to Fannie and Freddie, when I asked for a "MODIFICATION on my loan... not because we were having trouble paying. We had NEVER been late on a payment! Like everyone else, we wanted to lower our payments. This was the beginning of an eye-opening experience as to how these companies operate without being held accountable. Where is congress?? Out to lunch, as usual.

My story is long and unfathomable... like a lot of Nationstar nightmares!! WE NEED TO BAND TOGETHER AND GO AFTER THEM!!! I am going to sue these rats for $10 million for pain, suffering, harassment, liable, and FRAUD. They destroyed my marriage and made me sick. Their Compliance Specialist, Lauren **, is not only incompetent, but she lies!! Anthony Barone, the CEO, made millions after telling his people to sell mortgages to anything that breathes. Then the king of the rats, went to WALL STREET and put his money on FAILED MORTGAGES... and that is a fact!

Again, where are the politicians that WE ELECT to protect the country from these terrorists... and they are, in every sense of the word!!! Oh yes, we forgot, they all play golf together... and they scratch each other's backs... and can't hold office if CORPORATE AMERICA doesn't like you!! So, they LOOK the other way.

Send everything you have on this company to HUD...Rita Thomas and Shawn Donovan's offices. Then send everything you have to the White House fax number. Hound your senator. Send everything (hope you are keeping impeccable records!) to the FBI and Treasury departments. Find an attorney that has the... to take them on... on a contingency basis of course. Sue, sue, sue!!! The FBI assigned an agent to me. Talk to your local FBI office!!

Whatever you do, don't give up...60 Minutes, Time magazine, 20/20, send them your story. If they hear from enough of us, just maybe we can get them to listen. MOST IMPORTANT... THEY ARE NOTORIOUS FOR ILLEGAL FORECLOSURE PAPERS... NO PROMISSORY NOTES. Go to your county records. Find out who else in your community is dealing with this company. HAVE A MEETING!! *My neighbor left his home. Nationstar foreclosed on them... using "rocket dockets". 2 yrs later, they find out they did not have to go... and now, the home is resold... and the big bad wolf made even more money!! Sickening. I am now asking the law firm of Morgan & Morgan to represent us in a class action suit... Please, fight back. Kudos to Keith Carbaniss who sued these creeps and won!!!

In the interim, my fiance maintained residency at the house, as he has his landscaping equipment there, and his daughter does not want to move in with me and my boys. How much longer can this go on, before the house is taken away? Nationstar took over in March of 2013, and appears oblivious to the fact that he has not made any payments for over 4 years, that BOA had initiated foreclosure via letters to vacate, and he currently is almost $70,000 in arrears regarding his mortgage payment. He says he'll move in with me when they take the house, and I am struggling to maintain the mortgage on my home which I bought when he was losing his, with the intent he would move in and assist.

Based on this experience, I would say Nationstar is quite the benevolent company, allowing people to in their house with 4 and a half years of no payment, 6 months while under Nationstar. How do I get a mortgage with Nationstar? Are they that oblivious to this? Maybe I should sell my house and just move in with him so as to live mortgage and rent free. Great deal. Oh, the housing market value has just gone up in Suffield, CT and this house has a lot of potential being on nearly 1 acre in a nice neighborhood, walking distance to town.

Fast-forward to June... I received a letter stating that my re-modification loan had been denied. I called Nationstar to inquire about the denial and what was my next step. The rep told me that she would look in to it and get back with me. Several days later, I received a letter stating that if I did not pay, foreclosure proceedings would begin! I immediately called and was switched to the foreclosure department. They would not let me speak to the people I had been dealing with earlier because the loan had now been referred to the foreclosure department. I never heard back from the person that was suppose to tell me why it was denied. After many tearful phone conversation and being switched from one person to another, I finally found out that the reason that I was denied was because in the State of Texas if you are approved for a home equity loan, you can not apply for a re-modification!

Why did they send me the letters to apply and why was I not told this back in November?!!! By this time, I am now over $10,000 past due on my mortgage and being threatened with foreclosure. They told me I could sell on a short sale or take advantage of their "Cash for Keys" program. Cash for Keys! They would give me up to $8,000 to hand over my keys and use the money to relocate.

I did not want to lose my home that I had been in since 1996. Our only option was to file for bankruptcy. So now I have the bankruptcy payment and a mortgage payment. The real scary part is that my attorney has told me that I need to start paying my monthly mortgage, but I can not get an answer from Nationstar as to the amount of payment, where I need to send the payment to, etc. When I told the attorney who my mortgage company was, his answer was that they have seen this happen several times from Nationstar. How can they get away with this??? How many families have they put out on the street??? Not Happy.

This company is paid to service your mortgage but has no clue as to what a mortgage is. They do not know what an escrow account is or how it affects your mortgage... Finally, after catching him in a lie because he really did not know what I was talking about, he said he was going to disconnect the line and he did (which was in my email complaint to his office and yet he did it too). Here is his phone number at Nationstar Mortgage: 972-894-1976. You can call him and school him on what any homeowner knows. Good luck! We need to start an online petition to request the government look into regulating these companies. There needs to be auditing to ensure the information given by their representatives are accurate and have the basic level of competencies to handle the job. Until the consumers start demanding accountabilities of these companies or allow the consumer to select who they want as a servicing company. I am writing to my Gov. and Congressman and Sen. to request they lower the boom on these companies. I highly suggest you do the same!

Well for about 4 years I have paid my mortgage on the 15th of the month since I get paid twice a month. I never ever had an issue with late payments or fees associated paying that day. The 16th is considered late and I have never been late. From my first payment on the 15th of June I believe I start getting hit with a $9.95 fee... I call and they say you have no late payments. I said exactly but I'm being charged for paying on 15th. I'm told yes because we are not a bank so payments are made through Western Union. Well that is not my problem now is it? I did not asked to come to your company so you need to honor what I have been doing for years like I was told would happen. So nope every month getting hit.

Finally speak to someone else in September and tells me to set up online won't get hit w/ fee. So I did that I put my bank info into my NS account online and made payment on Sept 13... Rec'd email that my payment had been made. WITH THE $9.95 fee... so was aggravated. I have complained many times through their website. Someone from complaints got back to me (via letter) so I emailed her. I won't lie. She was very nice but no help. Because I had to call her to complain once again that not only did they get my mortgage on 9/13 and charge me 9.95 BUT somehow (which I did not do) they put me in for monthly auto pay and took a second mortgage payment out 9/15. She said I went into the system on 9/15 and requested that. I said I did not. I went into my acct on 9/15 because the payment from 9/13 was still not taken out of my account.

So I "viewed" my acct to see payment. I'm told I then signed up for it. I said really? How stupid would I have been IF I did want to do that and set up for 2 days later so that my checking account is now -$343 and I have nothing in my account. I said I want the money put back asap. Ready for this: "we are not a bank. We will have to send you a check"... Are you kidding me? It's now 9/19, I still haven't seen a check or any fixing to my account and I have had it.

They are out to scam everyone and do not care about anybody. If I had the money I'd refinance and get the hell out of here but I do not... My house is on the market and I can only hope that it sells soon and that I don't have to rent it out. I have never seen such a company and if I were an employee there I would not tell a soul that I worked there. I'm just so happy my sister's BofA mortgage was sold but not to them. Something needs to be done... Love to see them shut down. But right now I need my $1140 back in my account because I do have other bills to pay. I've had it with them.

It is now September 2013 and guess what? I'm on my third round of the exact same paperwork they keep asking me for! This company is a complete joke. I have filed a complaint with the BBB and the only thing I received from Nationstar is that they take this very seriously. Now, I am so behind on my mortgage that the only I could every catch up is to put the balance on the back end and extend my years. They keep promising me that, but then request more and more documents. They really don't want to help you at all! So people, don't buy into the crap they are saying. Get educated and talk to a lawyer!

In July 2013, I decided to replace the roof on my house since it was getting old and the extremely rainy season in central Florida was wearing it down. As part of a new roof installation in this state, permits have to be pulled from the county and the contractor has to file a Notice of Commencement with the county. That was all said and done without flaw. Finally in September, I got sick and tired of waiting for Nationstar to complete my refinance, which by now had taken a grossly long amount of time to complete, so I began making further calls to them until finally getting my streamline into underwriting.

Not a day later and Nationstar emailed a reply that said my loan was being denied due to a second lien against the house that happened in July. I immediately realized what they were doing and to what they were referring, which was the paperwork filed with the county for the new roof. Infuriated at this point, I went directly to one of the loan managers demanding that they provide paperwork that proved the claim. After being lied to that the financing I used to pay the roof contractor was a lien (and I did call the finance company to verify that no lien was put against the house), Nationstar finally provided me with a copy of my title pulled from the county. On that title it specifically stated the "termination or release of the Notice of Commencement". A Notice of Commencement isn't in itself a lien against the property. Nationstar then two days later sends me in the mail a rejection of my FHA streamline loan due to a second lien on the house, a bold-faced lie with the "proof" they had sent to me.

Not only did I have to wait for months of this incompetent mortgage company delaying my refinance so that they could continue to collect the higher interest rate, I end up being punished for a home repair and lied to that it caused a second lien to be placed on the property. Neither the finance used for my new roof nor the paperwork filed with the county for permitting purposes constitutes as a second lien. Nationstar is full of crooks and thieves and liars and frauds and I advise all of you to avoid this company like the black plague. If you have to refinance, do it somewhere else. I hope that this fraudulent organization is swiftly put out of business with all the lawsuits going against them and I pray that there's a class action suit in Florida that I can join.

I called the next Wednesday to check up on it and was told that my house had been foreclosed on and sold the day before. I never received anything from them stating that the house was in foreclosure nor that there was a sale date. Been getting the runaround ever since. They wont call me back. And they won't show me anything that proves that they sent me letters of foreclosure or sale. They keep telling me to contact some lawyer who was their trustee. The last thing I want to deal with is a lawyer.

So in general. If you have a loan thru Nationstar, refinance quickly because they have the worst customer service. They give you the full runaround and won't answer any questions. They keep handing you off to someone else.

The two mortgages on my property were taken out as an 80/20 split by Bank of America. The loss of income and my boyfriend of 7 years caused me to drop the house in short sale in December 2012. Bank of America sold the second mortgage to Carrington although the house was in short sale. The first buyer did not qualify through Bank of America which I was not made aware of which being the home owner, I would have thought they would have told me. Since I would have requested that the house be put back on the market. There was a cash offer and an identical contract signed on May 16th. Bank of America had provided me with an approval letter with a close date of May 25th.

The cash buyer provided a statement from Bank of America to support that he had the cash to purchase the house. This would have given Bank of America 9 days to change the name on the documentation from the old buyer to the new buyer. They said that it could not be done in that short of period. Once again, I was not made aware of this after numerous emails requesting an update so in good faith I moved out under the impression that the house was going to close. Bank of America then sent the mortgage to numerous different vendors for a three-week period and then would move it to another vendor which made it impossible to complete the short sale process. Then I was notified in July that Bank of America had sold the mortgage to Nationstar.

My real estate person was representing me and the buyer. She had all of the documentation to Nationstar before the loan was transferred from Bank of America to Nationstar. I was leery of them since in researching NationStar there was not a lot of good being said about the company The company said that even though I no longer resided there, due to the circumstances, they were going to honor the $3000K reimbursement . My real estate lady (Patty **) requested updates on the mortgage weekly which included Carrington, title company, the buyer and myself. They would not respond. They did say that they were going to have the house appraised.

Bank of America had the house in May 2013 for $73K. My real estate lady appraised it and then they had their appraiser come out and he appraised it at $90K. Patty went into the MLS listing and submitted comps in the area which were nowhere near $90K. Then she was told that they were going to put the house on Auction.com which anyone bidding on house on this website have to be preapproved by Bank of America. If they did not receive a high bid then the cash buyer at $70K would get to purchase the house. The auction date was 11 am on August 24th. The highest bid on the house on Thursday or Friday was $45K. Patty checked the auction site at noon on August 24th and it said the house was gone for $87K.

So I emailed them asking if it was a cash offer, what the next steps were and when I would get my letter with a close date. Patty calls me to tell me that they did not get enough money for it at the auction but they countered the cash buyer for $95K. They wanted me to sign a promissory note with them which I will not be doing.The house has been broken into, ransacked and the copper piping is gone. He did not accept the counter offer. I had written them an email on the following Monday saying that if the situation was not rectified by August 30th, to move the file out of short sale and into foreclosure.

Patty took it off the MLS listing and took off the lock box and gave me the keys. She received an email from Amy at Nationstar yesterday saying they felt bad and sent the file to higher management to see if they can do something. I think it is another stale tactic. At this point, I want to move on with my life and this file to be closed by the end of the year so the bank cannot try to come after me for the remaining balance on the loan.

When someone finally did answer I couldn't understand the lady. Her accent was so heavy. She did try to explain the suspense letter but her explanation made no sense! I asked to speak to someone else and got a busy signal then nothing. I am assuming I owe these thieves money for the late payment. Letter sounds like a big scam! Cannot wait to be rid of these people! They are very inept and have absolutely NO sense of customer relations! I assume they just don't care!

They do not know how to transfer a call, or how to get a supervisor or even their basic policies or procedures. They transfer you to the wrong department and evidently are not held accountable for customer treatment. Your company has missed the mark and could care less about changing your practices. Your website is not accessible today and nobody to answer calls. The federal government needs to get involved on the poor treatment and poor services because homeowners have no choice on who their loans get sold or released to. I am filing a complaint with the HUD and all consumer organizations to file an investigation in to this company.

I then called Bank of America and they sat on hold on a three-way call with me for almost two hours and I was told that I was rude and I should talk nice to them and maybe they would help me!!!!!!!!!!!! I told them I lost my manners after about the 6th hour of being on hold with them. All I want is my 200.00 back that they stole from me and I will pay this loan off. I never wanted to deal with them to begin with. My loan was sold. This loan has never been late or a problem. This company, NATIONSTAR MORTGAGE, is the worst company on earth and they steal your money and try to make you think you are stupid..... I am not and I will not stop until I get my money back!!!!!!!!!!!!!!!!