Mr. Cooper Reviews

At this point we have had to turn it over to our lawyer. They believed they had a chance to both foreclose on my home and put my family on the streets and steal the insurance money as well. They are not here to help folks as they sell themselves. They are predators trolling the market for folks they can take advantage of. My lawyer assures me we will get our money but it’s been two months. I am suffering with diabetes, have loss most of the use of my leg, and have suffered heart attacks. I don’t need this crap. But my guess is that means nothing to them. It’s all about the money.

As of 9/4, I have not heard anything but received in the mail yet another letter stating I haven't made June and July payments still, and this letter was from somebody named Ana **. I have made each and every payment every month even though I never receive a statement from them at all to send in with my check. The account number is written on the check and I even pay a little more than my payment. All these checks have been submitted by Wells Fargo and debited from my account. I want this mess cleaned up before I lose my house or their stupid and foolish mistakes.

We have been trying for months to get approved for the HAMP, but they keep losing the documents they ask for and then deny help saying we did not comply with the requests. This is just a lot of **. We have jumped through countless hoops and they still are not satisfied because they are always losing the documents we sent. Now we had to start the process again and once more, they are asking for documents that we have already sent! What is wrong with these incompetent people? If you don't care, why even offer these programs?! I am hoping and praying that we find a way to rid ourselves of this mortgage company and deal with people that actually do more than rob people out of their houses and money!

Based on his and the CEO's secretary's response, I must say that some of the management at Nationstar do care about what is going on. I also feel now that a large part of the problem has to do with Nationstar using another company to handle their check writing and/or accounting. Also it appears to me that the other company and maybe the lower level people at Nationstar need some serious training. So while it took thirty days and I was within 30 minutes of having a tax lien placed on my property, I must state that the manager of customer service went out of his way to correct the problem in the nick of time.

I only hope that he can figure out where all my escrow money went to and get that problem fixed. Also I would like to add that we had requested many times to talk to a manager or supervisor within Nationstar and no one at the lower levels would allow us to do that. The customer service manager at Nationstar stated that this should never have happened and he was going to look into it. So again great job on his part!

Three and a half months later, we received notice that Aurora Bank was being bought out by Nationstar Mortgage. Finally, on August 29th, we heard from Nationstar, and they have upped the price to $330K with no explanation other than the fact that their appraiser has determined that the house should be priced higher. Their response to us was "take it, or we will put it back on the market." I think this is highly unfair, very unethical and should be illegal. We have been patiently waiting all this time, only to be screwed out of the house because Nationstar is attempting to extort an extra $25K out of us.

As a side note, after my loan was sold to them by the original bank, it took over 3 months of phone calls to correct the payment that was being deducted from my checking account. With the original bank, I was having an additional $100 per month deducted and going toward principal. Nationstar immediately dropped the payment down to the minimum for each month without notification. I was on course of paying it off within 22-1/2years, but that was tossed out the window with the Nationstar shenanigans, as they wanted my mortgage to run the full 30 years. As I stated, it took 3 months of phone calls to get this taken care of. Afterwards, they again reduced it, not to the minimum, but less than what was agreed upon. They are the worst I've ever had the displeasure of dealing with.

Then after my husband got a 25% pay cut in March 2012, I called and spoke to a "loss prevention specialist" who could only tell me that I was behind in my payments and how would I like to pay and when. When I asked about a loan modification, she said she would send me the paperwork and seemed sympathetic (keyword "seemed") and said after I told her about my previous experience with Regina, "Yes, I see you never completed the paperwork!" (This I already knew, and that is why I was calling about a loan modification. Duh.) Little did I know how frustrating it was going to be talking to "Corlis." Needless to say, every time I spoke to her, my blood boiled and I knew we were not compatible.

I asked if I could speak to another specialist, and she said, "I am the only one you can deal with! Everything goes through me anyway!" (I thought to my self, one person in the whole company? No way.) Well, I sent in all the paperwork by fax on 6/11/12 (She took my email in order for me to download the forms.). I asked if I could email her if I had any question, and she said, "I don't correspond to emails. But you can email me when I can call you and when can you pay the total amount"? I hung up on her, because I was either going to have a heart attack from the anxiety she caused me or I was going to blow up on her on the phone. She brought out the worst in me, and I could not deal with her anymore.

I wrote a very sarcastic email to her, which she said she would block from then on. I called the company to speak to her supervisor or someone else who could help, and they referred me to her! Maybe they do only have one person. That is why everything is so disorganized and messed up. I waited for a response to my paperwork, and after about a month, I called Corlis. She said there was no record of any paperwork and I would have to resubmit everything again. Frustrated, I got everything together and faxed again.

Then after a week, I called and spoke to a man who said it looked like I needed to send additional information, a tax form, and that after they received it, it should go pretty quickly. After submitting what he requested via email, I called 4 or 5 days later. Another woman said two of the paystubs had expired(?); meaning, it took so damn long for this process that the dates on the paystubs were too old! So, I got out more recent stubs and emailed those to Corlis.

I asked her why no one told me I had to send more recent ones, and she told me I have to call every few days to double check on things. That is what most customers do. She also told me I needed two months' paystubs, and I had received a letter that same day from Nationstar that clearly said two stubs. She said it was a new policy as of August 1, and I said, "That's funny." The letter is dated on the 13th of August! Now it is the end of August, and I have received notification from a law firm that says I must contact them before foreclosure proceedings take place. Ahh!

I called Corlis to arrange to make at least one payment, and I know I owed more; but that was all I could do for now. She said, "We don't accept one payment." You have to send it all, which is for 3 months. Nothing was said about the loan modification. There is no such thing at Nationstar. They just stall long enough for you to get behind in your payments, so that they can foreclose on your home.

Now, I have a fraudulent charge of $350 for lender-paid expenses and $352.84 in late charges. Way to really rape your customers, Nationstar! I am fed up with this crap and dealing with these so-called specialists. They are just robots collecting our money, leading us on, and charging fraudulent fees. I didn't tell them to hire an attorney to send me a letter. I was well aware of what I owed. I was trying to make a payment arrangement, but they didn't want to take it as a single payment at a time.

One time, I called Corlis's direct extension and she answered the phone. "Hello? I'm in a meeting. Call back in 30 minutes." Real professional, I would say. Then, I called (four times) at 3:20 EST on a Friday, and the recording said, "The offices were closed." What kind of a place is this? After reading other reviews, I will also call BBB and Consumer Financial Protection Bureau. I'm at the end of my rope.

Next, it was very unclear by Nationstar that my first payment would be automatically deducted from my checking account so I made my first payment through their website after not seeing my mortgage deducted from checking account 5 days after it was due. The website also did not inform me that there was a payment in process. This resulted in them trying to take my mortgage payment out twice from my checking account in which I incurred an insufficient fund fee through my bank. Fourteen days later, they finally accepted my first mortgage payment with them.

Now my 2nd payment, I logged into their website and tried to pay online with my checking account and noticed that there is a $9.95 fee to pay online - all because they use Western Union. What mortgage company uses Western Union now in 2012? Really?! Thankfully, I have a refinance opportunity in progress and hope to be closing on that before my 3rd payment is due at Nationstar. This mortgage servicer is horrible. If your mortgage gets sold to them, refinance if you can and get away from them! They are terrible!

Early on they told us on several occasions that they had contacted our town office to work it out when in fact they had not. We live in a very small town and one lady does all the taxes stuff. She stated several times that they had never contacted her. We even were talking to her on the cell phone and talking to them on the landline trying to work this out, but they still refuse to pay our taxes. The last two weeks they keep telling us our claim is pending approval and a check will be written to us. Two weeks prior to that, it was pending approval with a check to be written to the town. So to date they have for all purposes stolen $1500.00 from our escrow account. I don't have it and the town doesn't have it and there is a tax lien pending on our home. They refuse to release the funds to either us or the town and nowadays when you call them, you get it's pending approval because we called them out on all their other excuses. We tried contacting the supervisor at their customer service section and they told us they would call us back. They never did.

My fear is we will either lose our house to tax foreclosure or that they will refund the $1500.00 after many months of putting us off and then raise my payment because there won't be enough money in escrow for 2012 taxes which are due this October. The reason that there won't be enough in there for 2012 taxes is because they stole/removed $1500.00 from our escrow. How can these people get away with this? I have never been late on a payment to them and I have never been late on my taxes in my entire life. I contacted my senator’s office, but they just gave us a telephone number to a complaint line that is impossible to get through to.

I just don't know where to turn to resolve this. It should be noted that my wife just checked our escrow account online while I was typing this and now our account shows a negative balance of $67.51 as of 8/24/12. So now they have taken all my funds out of our escrow and my taxes still have not been paid nor have I seen any money, not to mention I have 2012 taxes due at the end of October of this year. I am just sick about this!

I spent many times to call 866-825-9302 and talk to the staff, including analyst specialists, supervisor, and the first line person answers the phone call. There’s absolutely no active communication provided by NM staff to notify me the status of their process; instead, I had to call and ask for what's next. It appears to me that the company had hired a bunch of untrained or ill-attitude employees or given no authority to handle or solve the problems for the customers. I am very disappointed and dissatisfied with the services provided by the loss department of Nationstar Mortgage LLC. I have never seen such a company received so many complaints and a rating of 1.1 in the website. I hope no one would make loans through Nationstar Mortgage LLC.

It would appear Nationstar has the correct amounts for property taxes and insurance. Again, I think you really have to make sure they do what they are supposed to do when they are supposed to do it, and the reason why I say that is we are yet to receive any mailed communication from them. We have received no documentation (as mentioned in BofA's letter) stating they had taken over the loan, despite the fact that when on the phone with them they say they would do this within 10 business days of taking over the loan. Regardless, I will watch these people very closely and I suggest anyone dealing with them do the same.

By August 13, 2012, I had still not received my paper statement/coupon for August 2012 in order to review my loan for errors or omissions, etc. So I called Nationstar and spoke to a manager. I asked her where is my paper statement for August 2012. She could not answer me rhyme nor reason. She did ask if I got the email confirming the paperless format. I told her yes, but that I had immediately opted out. I asked again why I never got a paper statement/coupon for August 2012 payment. To avoid a late payment, I asked to make a payment over the phone. She told me that would be a $15 fee.

I asked her to waive the fee as they did not honor the promises they made in the July 15, 2012 letter. She refused and would not let me make my payment when, in fact, their billing/accounting cycle is behind and cannot keep up with the debt they absorbed from Aurora. This $15 fee is a scam and I believe this is a fraudulent practice. Based on their July 15, 2012 welcome letter, they breached all their promises. Lucky for Nationstar, I wrote the BBB, attorney general of Texas and the FBI regarding their practices. I guess someone is going to miss their lunch break at Nationstar.

I immediately called Nationstar (and the hold time was about 15-20 minutes before you get to talk to the first line of employee there). I was told about the error in the first letter, and to make out the payment to Wells Fargo, and to put in the new loan number. I immediately did that and my bank sent out another check to them. Within another week, another payment went out (remember I pay early). Then, I start getting those annoying calls from Nationstar that they are trying to collect a debt. I have been getting them for three weeks.

I have called Nationstar several times, and actually have two names and email addresses from employees who sounded like they were trying to help. On July 24th, it went to "the research department," and I was told that I would hear something in 10 days. I sent over my proof of payment and they have that in their files. However, then it went quiet and I get daily debt collection calls. So, I asked them, "Where is my money?" I am sure that Wells Fargo would like to have it and I have sent it. I just don't know who to turn to as Nationstar is doing nothing. I am very conscientious about my credit and this is really bothering me. I went online to find a place to go for help, and I am confused as it appears this is just a servicing company and not a bank.

My property value is worth a third more than my loan. I thought that was called equity! Communicating with Nationstar is like talking to a wall! They would rather "foreclose" on my home than allow me in the HAMP program. They would make more money if they "foreclosed" than lowering my interest rate (currently a 20-year loan at 7.25% and is equal to $2,000) with no escrow account on it, which if added would add another $400. No way are they going to get my home. Every payment has been made on time! Let's put one payment in "unapplied funds" and screw with the customer. Victim! They can stop sending me letters of "options", like short sale, etc. Who said I wanted to get rid of my home? They’re a worthless company I can't escape from because I don't qualify for a mortgage from another company due to filing bankruptcy to get rid of my second home that was way underwater.

We waited for 6 months after being given the okay, that we would not have a home. Our lease was up in June. We moved out to stay with family, out of town on the basis everything was fine, and now we are in a rush and bind to find somewhere for us to live with our three under 10 year old boys. We had a horrible horrible experience. To top it off, we were told it would take 4-5 weeks for us to get our own money that was put down. We changed our lives and now we are left alone to figure out where to live as school is starting soon for our boys. We took our boys to see the house as it was being built once a week. We were left to hang.

I called today and was advised to re-apply. I gave her my unemployment amount and bank balances without asking if I had further debt. She told me I had enough money to make the balance on my loan good. They have not even applied the amount I paid for June and July to the balance. I don't know how to handle these people as they seemed to be trained in mental abuse.

Does anyone out there have any advice on how to proceed? Right now, it seems that I may be put into foreclosure and they are so far away in Texas to go meet someone in person. This is definitely the worst experience of my life with a loan servicer. I would like to mention that the reason why I am unemployed is because of these bloody loans. Please help before we end up with medical issues - as we are not the type to default on anything ever.

Today, August 3rd, I called Nationstar because I still have not received anything from them (except a letter telling me they can release my information). I told them I wanted to make the agreed payment and I was told I have to pay my original mortgage amount and start the modification process again because they didn't receive the documentation from Bank of America. I now believe that Nationstar and Bank of America have colluded to defraud consumers and keep dragging out the process to avoid helping us keep our homes.

This morning, I received a call from Nationstar advising me that the investigation was complete and my rate would remain at 7.5%. After explaining the situation, he told me that I would have to prove I had received a letter from Aurora. I told him to read the Mortgage Note. He told me he had and that I would have to prove it. I told him that he had the entire Aurora file and needed to pull the file. He stated, "Ma'am, Nationstar is Aurora and we have no letter in your file." After a lengthy discussion, he put me on hold for 15 minutes and got back to say that he had looked at the mortgage note and that the reduction in interest would take place on September 1st, not July 1st. Again, another lengthy discussion and he stated he would have to call me back. After reading all of these complaints online, someone needs to take some action against this mortgage company.

After another week went by, I called again. Now they say that any checks of over $10,000 have to go into escrow or something to be held for the contractor to receive. I repeated what I said, "Again, you illegally cashed my checks since I didn't endorse them." They then stated they would put it in for a manager to review and look at the checks. Then not hearing from them for another week, I called again saying the same thing. I didn't sign the checks. This is fraud. They now state that it is my responsibility to get a copy of these checks and send them to them to prove that I didn't sign them. They made the mistake. Now I have to invest more time to prove that I didn't sign the checks.

This is the worst so-called business I've seen in my life. All this while my nephew of 19 years of age put a gun to his head and killed himself. So your so-called pile of ** company, I would rather pay double my interest than to ever deal with you ** again. Soon I'll find a new mortgage company. GMAC was great, until they sold me to you **.

I was to call back in two weeks to make sure the modification was received and, hopefully, by then, First Horizon would have sent all my loan documents over to your company. On August 30, 2011, I was advised my fax was received and that your company would be honoring my modification even though First Horizon had still not sent over all my loan documents. I was also advised that a welcome letter was sent out to me on August 29, 2011, and that, according to your legal department, First Horizon dropped the ball on my father's loan and that my house would not be sold since First Horizon cut too many corners. On September 14, 2011, I spoke to customer service representative, Obi. He stated the modification had been processed on September 9, 2011, but has not been updated in the system, do not make a payment until modification is completed in the system as the system would not recognize the payment since the total amount due was $279,000 and that I should be receiving a new payment amount, and to call back in two weeks.

On September 21, 2011, I spoke to Brandon. He stated my modification was not done correctly and that they, Nation Star, would re-modify my current modification to the correct amount. It showed the loan 3 months behind and it would be corrected since I did make my payments in July 2011 and August 2011 to First Horizon. On September 23, 2011, I spoke to customer service representative Glen ** and faxed over proof of my payments to First Horizon for July - August 2011. It was then I was advised of my new payment amount and to make a payment of $1287 effective October 2011 and that would be my new payment amount. I asked about the $148,437 payment amount I had given from First Horizon again. Mr. ** stated my modification was done incorrectly and that Nationstar had to modify the loan modification that First Horizon had completed. If Nationstar modified this loan again, then we should have a new start date with the amount and the percentage."

After reading this letter in its entirety, you can see the confusion between me and Nationstar. If anything, we are guilty of missing two payments, July 2011 and August 2011. As of March 2012, we were advised not to make any payments. According to Brenda, the mortgage has gone into foreclosure for a delinquent amount of $1,000,000 and the paperwork was sent to the attorney for foreclosure. However, we are still making payments to Nationstar. I asked her at what point were we notified in writing about the foreclosure. Ms ** said we were notified in December 2011 with the letter stating we had a delinquent amount of $10,000. So, I then asked her for a breakdown of the $10,000. She was not able to help me with the amount and what it was for at that point.

Ms ** was rude and unprofessional about the foreclosure. On March 8, 2012, I was advised by Brenda ** that every time Nationstar spoke to me on the phone, that was my notification. I understand that Ms. ** has a job to do but she was not only unprofessional nor did she want to hear anything, I had to say she advised me she would speak to the attorney and get the reinstatement amount which at the minimum would be 4 months of payments. I advised her there would be no way that could be done and again why was I not advised of this situation early or given a chance to add extra money to my regular payment to clear up any delinquencies. Again, she was rude and unprofessional as I quote her, "Ms. **, I don't know any other way to explain it to you. You are in foreclosure and we notified you verbally that you were in foreclosure." At that point, I was done talking and listening.

On March 26, 2012, Ms ** called me asking if I was going to make the payment of $10,000. I informed her no and that she was supposed to call me a week ago with the attorney's information. She acted surprised and asked why I wanted the information. Once again, I stated all I wanted was the attorney's information and that I would not be speaking to her again. She put me on hold for ten minutes and reluctantly gave me the number and asked again why I needed it. I told her, "Thank you," but again, I am not willing to talk to her as she is supposed to be a pre-foreclosure specialist and clearly did not give me or my father any options to get this loan back on track or even advise us of the foreclosure process. On March 28, 2012, Ms. ** called again asking about the $10,000 payment. I reminded her she had just spoken to me two days ago and I advised her then it would not be possible. I did inform her I contacted Nationstar's attorney and she seemed surprised and again asked why I informed her.

I had faxed all my information to the attorney's office and was advised, with the information I have sent to them, my home should have never been placed in foreclosure and that I needed to speak to a supervisor. It was then Ms ** hung up on me. I did speak to Keisha from the attorney's office, Home Solutions and she advised me to contact a supervisor and to get this matter straightened out since there is a process in the state of Arizona on how to inform homeowners they are in foreclosure and if I am still receiving my monthly statements, then I should not have been in the process. April 4, 2012 is when I spoke to David ** (supervisor) and he advised me to fax over information to him in reference to my July and August 2011 payments made to First Horizon along with a copy of my modification so he can see the discrepancy in my monthly payments which has been faxed three times previously to him.

On June 26, 2012, I sent another letter requesting they research this loan and I was informed, as of July 16, 2012, according to Nationstar, our home was sold. Again, we have asked for documentation of this and received trustee information with our mailing address but a different house being sold. Previous to that, we received a letter with our address but addressed to a Mr **. This shows this company does not keep professional records nor do they do thorough research! So, long story short, we think our home was called but nobody is able to provide any documents to prove it! We have filed complaints with the Attorney General's Office in Texas, Consumer Financial Protection Bureau, Federal Trade Commission and the OTC! Also we have hired an attorney!

I finally spoke with a Carly ** who did half of what she said was going to do. They told us to sign the check and send it in with Postage Paid to return after they signed. We did exactly what they said. Then they claim the faxed information was not on the proper letterhead. Every time I called, my husband and I were told something different. They told us it would have to be a monitored claim and charged us $35 for an inspector to come and see if the repairs were done. We did not need an inspector to see if a damn tree was removed and to have to pay $35 for them to come is insane. Nationstar Mortgage is the worst mortgage company. They are a bunch of lying ** crooks and criminals. We still have not received our check back for the repairs we need to make to our home and property. They are holding our $6000 hostage.

She asked if we had received their welcome letter. I told her we had not and only knew about the new company because of the e-mail from Aurora. She said they mailed us one and we must have it. I couldn't convince her that we had not. After some looking, she assured me that yes, they did have the info and it would come out of our account and not to worry. The calls continued so I called again and was told not to worry, it was in process and we would not be charged a late payment charge. Well, today I looked online and still no payment was made and they added a $55.75 late fee. So I made another phone call and was once again assured that we were not to worry and wouldn't be charged the late payment. I said that since it had not added that to our payment, I couldn't understand why they wouldn't just add that to what they take out if they ever get to take the payment out. And once again another late payment phone call tonight.

We have never been late with a mortgage payment. At this point we are extremely unhappy with this company and it looks like there are many other people in our same position. Every time I have called they want to transfer me to the refinance department. I absolutely would not refinance with this company. I just wish we could somehow get out of having any dealings with them at all. And somehow I feel the problems are only beginning.

Nationstar insists that it's against federal law to allow anyone with a bankruptcy online access or statements being mailed out; however, they fail to realize that it's against federal law to deny a statement to a customer when they request it. I was just approved for a home loan modification a week before Nationstar took over my loan, and now with this nonsense, it seems that they are ensuring that my first 4 trial month payments are going to be late so they can deny me my modification. We need to file a class action lawsuit against these criminals. I am looking for a good and aggressive attorney to facilitate this.

Meanwhile, however, they do send me - wait for it - credit cards and letters saying I do qualify for programs which would increase my monthly payment. Oh, really? I contacted my debt management counselor to get her advice. Two days ago, she, Nationstar, and I had a 3-way phone appointment. My counselor was great. She asked all the right questions, challenged what she felt were Nationstar's arbitrary guidelines for modifications, inquired about any and all options (most of which I'd never have known even existed). But Nationstar would not budge. They will do nothing to help me, unless you count their desire to increase my credit card debt and to double my payments with a 15-year loan. They know I can't keep up as it is and that I will probably have to go into foreclosure, a prospect I imagine has the Nationstar powers that be licking their chops as they look forward to swallowing me whole.

I then called to request information regarding my escrow account and got the runaround by more people than you could imagine. When I finally received a payment breakdown, I noticed they had actually charged me a late fee for the August payment that was received by them on time! Also, I found that they never paid my whole insurance premium! Then began the harassing phone calls when the payments weren't received by the 1st of the month (they were always paid within the grace period). I even resorted to calling every month to advise exactly what day they would receive payment so they would stop the calls. I was always told it would be documented and I would receive no further calls. Lie! They even resorted to calling my husband at work and they had the audacity to ask for his personal info which he refused to give because they called him!

Finally after 6 months of this garbage, I faxed a cease and desist letter advising them not to call until the payments were actually late and this has seemed to work the past few months. I tried to do a HARP refinance last December and it took their representative 3 weeks to call me back only to advise of astronomical rates and closing costs they were to offer. Two weeks ago I was contacted yet again about doing a HARP refinance and waited a week (after being told I would get a call the next business day) and I ended up having to call them back to find out that the type of loan I have does not qualify! Really? You are my mortgage company, why would you not have this information in front of you when you initiated contact? Has my loan type changed in the past 6 months? I am now working with a local bank who can hopefully spare us from this fiasco once and for all!

After this, I spoke with a different "manager" the next day. I received a copy that he mailed within 3 business days. The same day, I received a phone call from an email I sent about Chris's behavior on the phone and was assured by this woman that my statement was mailed on the 15th. I called her this week to alert her that I still have not received my so-called statement that was mailed on the 15th. But within 3 days, I received a copy that was actually mailed. She followed up by emailing me instead of calling. I have reported them to the BBB. I am sure they are going to lie like the sad individuals who work for them. They are trying to trap people, hoping that they don't pay their bills by not sending them the statements. I just don't think these are good business practices.

Well, I found other insurance in March for $1,143.00/year and the policy information and effective date is noted in the escrow section of my loan information, at the website, but the new escrow analysis has never been done. My total escrow for the year is $2,493.00 (taxes and insurance) and I have been forced to pay $2,588 in escrow alone, over the past 4 months (March-June). I was on the phone for over an hour on Friday and still have no guarantee that it will be fixed before my July 1st payment. When I asked what they would do with the overpayments I have made once the escrow is finally corrected, I was told they will not refund the money to me. Instead, it would be credited to my loan. This is absolutely ridiculous. It's no wonder so many people are losing their homes. I don't know how these people sleep at night.

After 5 months, they told us again that because our property produces agricultural income, we don't qualify under any of the programs for lowering the interest rate. And again, during this second attempt, I had to fax and re-fax documents because nobody could find the documents. That was approximately a year ago. Day before yesterday (June 19, 2012), a Nationstar representative again called our home and said that there were "new programs" and that Nationstar could definitely refinance our loan. However, once again, we received a call stating they could not refinance.

We are not contacting Nationstar. They have contacted us on the last two times, and even after everything being explained, they guarantee us that our mortgage will refinanced. This time I was told first that our mortgage didn't fit into the first program because it was over the limit, and then told that we didn't qualify. We have never been late on our mortgage, and in fact, send it to Nationstar early. How can they say we don't qualify? If someone with a brain would look at the situation, they would see that we have been long time tremendously good customers who pay their mortgage early and have never missed a payment.

Lastly, the complaints on this site about no return calls is a given with Nationstar. During our first try, I did not receive a return call even after I left many voice messages, and someone finally called back after I threatened a lawsuit. During our second attempt, again, no return calls until I sat on the phone for one full day and kept calling. Finally, I was put through to someone they said was a Vice President, and he then contacted us, but again, only after I left voice mail message after voice mail message. And yesterday, I left this individual 2 voice mail messages. Today, I called all day to his phone without anyone answering the phone, and again, I had to threaten a lawsuit. So, let's see if I receive a return call tomorrow! This definitely should not be how a business is run. Do not use Nationstar Mortgage. There are plenty of other mortgagors you can use.

My fiance and I were approved to buy a home through this company. They lure you in with lies, like paying your closing costs, certain fees and offers on interest rates that they can beat any bank. You are better off going through a local bank where you can deal with a real person face to face. We were supposed to close on a foreclosed property bank in April. They moved out our closing date 3 times with 2 out of the 3 not being mentioned. When it came to the closing dates, they would disappear and we could not get in touch with anyone at all at Nationstar to find out what was going on.

Our realtor had no luck as well. We gave our notice in our apartment and long story short, we are living out of bags and boxes. We have no place to live and in the end, Nationstar's asset broker came back telling us that we are better off voiding the contract due to unresolved issues with the title. Nationstar found out that there was a second mortgage on the house with JP Morgan Chase 2 months later, 3 closing dates later. You're telling me they couldn't find this out on the first closing? It turns out the underwriter from Nationstar knew the whole time that there were issues with the title and did not inform us and ignored us completely. The asset broker from Nationstar was the one who spilled the beans to us, stating that she had informed the underwriter of these issues and that the closing would be delayed longer.

Now we are in June, 2 months before our wedding and we have no place to live. Thanks Nationstar for the headache and for leaving us homeless. I'm surprised that with all these complaints, they are not shut down.

Mortgage crisis is still alive and well folks, and Obama's homeowner help, is not really a "help". Nationstar is horrible. Every time we called, they would play dumb, like they didn't know the status of our file, didn't know what EHLP was, and also wouldn't respond to HUD who was trying to give them money and verify loan details. Our assigned "foreclosure prevention specialist" was never available when we called. His manager never returned our calls. When you call, it's a 1800 number and they run you around, yet they called us all the time (always when we were at work). I've had better luck working with their attorneys. They are responsive and intelligent. We will be glad to end the Nationstar nightmare.

However, she'll take payment over the phone if I like. I thanked her and said that I'll just wait for the statement. I started getting robocalls which my husband hang up on. He tells me it was a robocall from Nationstar. When the next robocall came in, he passes me the phone, but before I get the phone, the robo hung up. This went on a few days. Now, I'm getting collection calls. I explained that I called to inquire about getting statement so I could pay but haven't gotten it yet.

Well, if they don't get my payment by the end of the week, I will have late fees. I explained that I'm making every attempt to pay but still waiting for their statement; will pay as soon as I get it. Turns out that they had the wrong mailing address. I still must pay before end grace period or be charged late fee. They said that I agreed to pay whether I get the statement or not. I asked, "Who do I pay? I have no Nationstar information. I can only send the payment to BofA as it's the only mortgage account information I have. I told the service rep that she obviously isn't getting it and I need her supervisor. These people are idiots.

When the supervisor came on the phone, I told her my story and that I didn't appreciate getting collection calls when I've made calls to try to make payment and it's Nationstar that isn't providing information on how to send them a payment. Finally, I got the supervisor to take down the correct mailing address and to send statement to my correct address.

Back and forth of the mail won't, however, make due date to avoid late charge. She'll take a payment over phone, check my account information, no credit card. I told her I'll give her the check information, then she said that due to the issues, she'll waive the fee. Fees? What fees? Apparently, making phone payment with a person costs. I told her that customers should be informed of the fees upfront - that Nationstar was adding hidden fees to customers. Finally, I got her to send me the statement via mail, as a test, to ensure that I'll get the next statement. I am crossing my fingers that I will get my mailing so I don't have to deal with these dunces again next month.

So then I signed up through Bank of America in March 2012 so they could automatically take the payment and this worked for April 2012 and May 2012, but now in June 2012, my payment was rejected again. They keep sending me things about how if I can't make a payment, then they have "special plans" and I am not interested because I have the money in the bank. But I have been unemployed since January 2009. I make my house payments with money from an IRA. Personally, I think because I am unemployed, they are targeting me and I feel harassed.

I complained to many agencies. I could not get any help. So I have been paying the mortgage in full since 01/01/12. When I receive my statements each month, I am given a number to call regarding foreclosure. When I called this number, the computer prompt informed me what I owe and a payment is due now. I never talked to a human regarding my situation with this company. When I have spoken with their customer service, I had to deal with uneducated, extremely rude people who seemed to be straight out of the worst ghettos in America.

I have not been employed since April 2011. I am on a fixed income. For me, paying such a high mortgage has been very, very hard for me. I have paid, because I have no place else to go. My next payment is due June 2012. If I pay, the threat Nationstar will foreclose will always be there. I have not received a foreclosure notice, sale date, nothing. I can't continue living like this. I am so stressed out from all of this. Is there anything I can do regarding this predatory lender? They take my money, but they don't have the decency to start foreclosure proceedings or do something to help me stay in the home. In all my many years at this home, I have never had a lender as dishonest as Nationstar Mortgage.

Finally, after over a year of dealing with this nightmare, they approved it. And since the modification, it has been shady as well. They were supposed to include all legal fees/back payments, etc. into our mortgage. So far, they have tacked 2/3 of the payments on "maintenance" fees and "legal" fees. When I called to ask about them, I get a different person each time and they always put me on hold and get back on the phone 5 minutes later to tell me pretty much nothing, that they are "maintenance" fees and "legal" fees. They told me today that my house was going through foreclosure and that is why the fees popped up and they got charged after my mortgage was modified. **!

I asked them to show me proof and documentation for what the fee is, and I told them point blank that I know they can charge whatever they want and peg it as a fee. All the woman could do was tell me that my file says my house was on foreclosure and these fees I have to pay. I am beyond annoyed and need to get the heck out of my home, so I don't have to deal with them ever again! They are lucky to have me, because I will fulfill my obligations and pay my agreed-upon mortgage every month on or before it is due; but to pay the fees (which I already paid because I felt obligated to pay it or my credit would be affected), they have got to be kidding me.

They bought my loan knowing it was 2 payments behind. I'll continue to make payments and there isn't a thing they can do about it. I told Larry I never wanted to talk to him again, and won't. I sent them a check. I didn't have an escrow with HR Block so with what I've read here, I won't let Nationstar start one. I pay my taxes and insurance. I can see I will probably end up walking away from this house anyway and I'll be glad to stick it to em. Everyone I talk to are dumb, uneducated, rude, ghetto hood rats. They don't have my employer's name or address and they won't ever get it either.

Now, we have gotten a notice from the Nationstar attorney asking the court for a summary judgment of foreclosure due to our failure to answer the complaint! We did answer the complaint. We are now at the point of looking for rental homes just to get out from under Nationstar. We have owned this home since 1998! We just want to get back to paying our mortgage and have the missed payments either added to the end of the loan or even have the amount added to our payment each month until we have caught up. We have made payments, jumped through hoops and practically begged these people to stop lying to us. They continue. This house isn't opulent or new. It's over 50 years old and in need of work. We can't even repair our fence because we don't know when the house is going to be taken from us.

My payment had already been sent for the previous amount. I was shocked to find a letter in my mailbox stating that a payment had not been received. Funny thing, the check had been cashed more than two weeks earlier, but not credited to my account. When I called customer service (at their convenience!), I was told to calm down. "Patricia,” whom I can only assume was using a fake name because I could not understand her "English", told me that a payment had not been received. I explained that my check had been cashed, but no payment applied. I was told that until the full payment (the new one) was made, nothing could be done for me. I needed to call back when they received my check and request the late fees to be taken off. She was not able to explain or even comment on why my payment date was changed. I have never received satisfactory service from anyone I have spoken to at Nationstar Mortgage. I will be doing my best to get out of my mortgage with them as soon as possible. After dealing with several mortgage companies, I can easily say this is the worst so far.

I am 35 years old and this is my first child and now have to go back six weeks early and put my 6-week old in childcare because of this awful company! I am not asking for a handout, not even asking to have interest or payments lowered. All I asked for is to take one payment and tack it to the end of the loan, that is it and they basically told me to go to hell. I am livid and will do anything I can to get out from under this awful company. They are thieves and do not care about their customers, nor are they willing to work with anyone! Clearly from reading all the posts, they are criminals and are capitalizing on others' misfortunes. Disgraceful!

The mortgage and extra $74 were paid, and a few days later, we got a packet telling us the steps Nationstar will take to foreclose on our mortgage. We have lived in our house nine years and never missed a payment. We have never had issues with our previous mortgage company, only Nationstar. The $74 has now cost us 100 points on our credit report. We have never been treated so rudely by any one person or company as we have in a short amount of time by Nationstar. It is convenient that they only recorded one phone call we had with them over this matter.

Up until January 2012, I was current with every payment. At that time, my FICO score was 775. As with all the other individuals that have been screwed over by Nationstar Mortgage, I was lied to and misled as well. I also would like to have a class action lawsuit filed by an aggressive lawyer. They need to be closed down and everyone needs to be compensated.

However I was told today after I contacted them that the template on all modifications was wrong and no one fixed it in a timely manner, and along with a lot of other people, were rejected because of this. I have been waiting on an answer since October, I was told in February that the papers would be sent to me by the beginning of March. I have been paying the trial period since August when it started. When I asked where my money went, he said "To a miscellaneous account.” What!? Another game! They say I have to start over. Oh and be sure to hand in your paperwork within 48 hours.

Today, 4/10/12, we received a Pre-Approved Settlement Offer for $50,299.00 which we have no idea what it is for. We are not behind on our mortgage. They are trying to bully us out of our home! We feel we are being bullied by Nationstar as well as being discriminated against, due to our age and the equity we have in the property. We welcome any help or advice.

Though I've had the same account number for 15 years, I double-checked with him. He insisted it was incorrect. I knew it was not. I tried to explain to him but he did not care. So, with him on the phone I tried to make a payment through their website and their system was telling me the number was incorrect. I said that to an agent still on the phone and advised to double-check their new system as it was not working properly after the so called 'upgrade'. He still insisted it was working fine and I did not know my account number. I told him to try and take my payment over the phone again. He couldn’t and did not know how to use their new system! So I logged in to their website and finally, after I added a check number, a payment was accepted. Or so it seemed.

I received another call at the end of February and the same story repeated itself. So, this time I called my bank and had them on a three-way call with Nationstar. The bank agent confirmed my account number was indeed correct. So, Nationstar said that I did not have enough funds on my account that is why a payment was not processed. Well, I did, and much more. An agent from my bank said there were no attempts to charge my account, after quickly verifying that. So, I made arrangement with my bank for them to send a payment to Nationstar. They did and it worked. However, I was charged a late payment fee and had my credit report messed up.

Nationstar did not make attempts to correct their mistakes and have their involuntary customers (my loan was purchased out by them), to pay the price. I forgot to mention, I called the manager, Ryan ** a few times to check on this issue. He never once answered a call or returned my calls after I left messages. I do not understand how such a company can still be allowed to be in business, mess with people's lives over and over, with no repercussions.

Our taxes were late as they are every year. We always pay late fees but have never been to the point of the county having a lien on the house. Last year, I was in the hospital for care at least 5 times. And my dad died in April. I didn't even go to the funeral in Illinois, as it would cost over $2200.00. I had to pay our mortgage ant taxes by June 30. They had sent notes, saying taxes needed to be paid. I explained they would be paid by June 30 in full and also explained hardships.

Some rude man made a nasty remark and had me crying about my dad. When I asked for a supervisor, he hung up. They drop calls all the time. They said they would open an escrow if I didn't pay them by the end of June. I made the first payment on June 6, the other on June 30. I called when I made the first payment and told them they could check with the county tax people. When I paid the last payment, I sent copies of the receipts to them.

In the meantime, they said they paid $2200 in my taxes and that they opened an escrow and I would have an enormous payment now. They also used my house payments toward escrow and now said I owed house payments as well as late fees. So even if I have paid on time, they constantly have me paying late and charging monthly fees as well as ruining my credit.

I explained this was ridiculous! I had paid taxes on time by June 30 and never signed anything that allowed escrow to be opened anyway. I have been arguing my case since July 2011 and have spoken to at least 40 different people with several saying they understood what happened and would get it fixed. I sought legal help who told me to put it in writing and send it and see if it could be fixed. No! They string you along, charge more, and lie more.

Sutter County Tax have no record of any payment from this company on my taxes. The county gave me the name of the company in California that does large tax payments for Nationstar. I called them and was told there is no record that they made a payment on my parcel in July. They showed a payment of less than $1000 for the first installment due in December 2011, and it was made.

When I told them this, I was accused of getting a refund from the county and using it. Then they sent remodification paperwork twice. I finally worked with Hope Solutions, and we agreed the mess needed to be fixed before I went forward. They actually approved us, but we had to stop the process due to the mess.

On a 3-way conference call that was recorded, they lied and couldn't say where the money went in July, have different amounts that don't add up, and were rude again. They wanted to do the remodification and sweep the mess under the rug. That way, they could collect or cover for all the mismanaged money they stole from us. They sent a paper to sign to allow them to open an escrow if I'm late on taxes. I will be seeking legal help again. I hope I can sue them!

I still have not closed on this loan (March 27, 2012). I just got a new fee statement for potential closing costs, and they added a $801 charge for a lock extension (because they are taking so long!), along with the addition of $4100 for a rate buy down that was never agreed upon. This company is not acting above board. I'd be interested in having them audited, so more people don't get strung along!

I called to get an explanation, I was told it would have to go through research and I would have to call back in 7-10 days. I have never dealt with a mortgage company that does business this way. Come to find out, they are a collection agency and not a real mortgage company. Nationstar failed to pay my homeowners insurance in 2011 and my policy was canceled. Why are they collecting escrow? Many phone calls later and time wasted on the phone, it was finally paid and policy was reinstated. Now I get a call from my accountant to learn that their Annual Tax and Interest Statement property tax amount does not match the actual tax bill receipts that I received as paid. It's off by over $500. I don't think this company should be in business. This is absolutely ridiculous. I highly recommend anyone who is considering them to run as fast as you can. If this loan isn't going to be paid off in the next 6 months, I would refinance and should have after having problems the first two years.

Anyway, I contacted Nationstar through the mail complaining about the this woman. I stopped trying to call this company because they would just disconnect me. In January, I received a letter dated January 3 stating I could lose my home even though in January and February, I sent the full amount of the mortgage payment including late fees. I wrote this company another letter stating I only receive SS and retirement and no longer employed because of health concerns. Surprise! I received yet another letter dated February 9, 2012 stating I may qualify for HAMP assistance. I had my reservations, but I sent in all the paperwork they asked for including my counseling with a housing counselor, monthly bill health insurance - everything they required. Information was copied and signed and I mailed documentation on 02/14/2012.

On or around February 28, 2012, I received a call from yet another very rude customer service worker from Nationstar, asking if I was going to send March mortgage payment. I stated I was, but my retirement check is deposited on the first and that is when I would mail the check. At this point, I was trying to hold my temper and be calm because he was talking to me in a very rude and very intimidating way. I asked him about the Making Home Affordable Program I had applied for. This man stated I did not qualify for this program because I did not obtain the house through FHA. Please let me inform everyone, if it was not for the Federal Government and Fannie Mae giving me $8000.00 for down payment and closing cost in 2002, I would not have been able to purchase this home. When I was called eleven years ago stating I could look for a home, I was so very happy. Thanks to the USFG and Fannie Mae.

Over the years, I admit I have made mistakes with refinancing and modification companies who have ripped me off. I am 63 years of age and I have learned my lesson the hard way. The last three mortgage companies have been predatory lenders. Taylor, Bean and Whitaker, RoundPoint and now, Nationstar who is by far the worst. I just mailed Nationstar $1,619.98 even though I have paid the full amount since 01/01/12. This unethical mortgage company is still trying to start foreclosure. I do not know what I am going to do. I contacted the counseling service for assistance as well, but I'm dealing with a predatory company who enjoys intimidation and preying on minorities and the elderly. I just received a call today, Sunday 3/4/2012, from Nationstar. I need help so bad Nationstar needs to be investigated by the Federal Government. They treat people so bad and it needs to stop. I do qualify for the HAMP. Nationstar is being so dishonest. Thank you.

My husband also received an automated call, telling him to call them at his earliest convenience. So I made the call this afternoon to find out what's been going on. The gentleman (Shawn) who "helps" us, pull up our information and proceeds to tell me that we are not on the trial payments. I informed him we were, as we had received the letter indicating we were. He said that he was going to research it. He put me on hold, came back on the line and said that there was another test they had to run and that he was going to transfer me to that department. No one answered, and when Shawn picked back up the phone, he stated that we were in the trial plans, and now we were not pending this "test". No one ever called us to let us know, and we didn't fall out of compliance with the requirements of the trial plans. Now, we are expected to pay late fees, and come up with the difference of the loan, instead of the original agreement where the payments would be reduced by interest, and the remaining payments (from the other portion of the trial payments that weren't paid) would be absorbed into the loan. I asked to speak to a supervisor. I was put on hold again. . . Later, Shawn came back on and said that there was no one for me to talk to. Anyways, we have this letter, this "offer" from Nationstar, and in order to accept it, we had to make a payment, which we did. According to the terms of this offer, there were certain things that could disqualify you, and we did none of them. Shawn stated it was a "mistake".

We have been trying to get help with our house for over three years now when our income reduced to 1/3 of what we made before, and put our income about $800 below our expenses. We applied three times for the MHA program; in which case, they lost paperwork, would request additional documents days before the deadlines, and sometimes the deadlines for certain needed documents would lapse without our knowledge until we received a rejection letter. This was our first glimmer of hope and it was a mistake? Really, how stupid do you think I am Nationstar? Most of your customers might think that story makes a lot of sense, but it is so convenient to not have the same people dealing with the same customers, and it's so convenient that no one is available to talk to. If I was a supervisor, I would hide too!

I called them to adjust this and they said there was nothing they could do. I've been trying to call them today but no one has answered and I have been on hold for over 2 hours. They are incompetent or fraudulent, not sure which it is at this point.

On December 27th, 2011 I sent Nationstar a check in the amount of $319,239.42, which was payable to me and Nationstar and endorsed by me. I have a postal receipt showing that they got the check on 1/2/12 and to date I haven't received a check for the overpayment. I've called every day and sent several emails to get this resolved. I need the difference so I can start rebuilding. I get a runaround every time I call with comments that they are showing the mortgage paid off on 1/31/12 and that it will take 31 days for the check to be issued. I don't know how they stay in business. This is the worst customer service I've ever received. It's hard enough loosing everything you have and then have to deal with them.

I continue to receive no monthly billing. I have been refused online access but can make payments through a series of button pushing. I have had financial issues and have been tardy with my payments, the consequences of the economy and self employment. But, I am current to date. Their tactics are unusual and should be considered illegal. I just don't understand how their way of business is acceptable to Banking and Consumer Guidelines. Nationstar should be held responsible for these practices. I am completely astonished and dismayed. I am hoping someone can explain this practice to me.

I requested last month for them to stop calling me at work and to remove my work number from their database. I even spoke with a "supervisor" regarding this and was told my work number would be removed. I again just received another phone call here at work today (when I initiated my banks bill pay on Friday, 2/17 and considering yesterday was a federal holiday, they should be in receipt of my payment today). I can understand them calling me if my payment went past the 30th of the month and I was in jeopardy of going 30 days past due and delinquent, but they begin calling me multiple times a day within 5 days of the payment date, which I consider harassment! I have never been delinquent on any loan payment and their reviewing my payment history would reflect this.

I told them I wanted the notice to the credit report removed. I have excellent credit and I wasn't going to ** it up over a bogus error. My credit score plummeted instantly. I made the payment again on the phone with the rep (that has not yet shown up anywhere in my checking account nor is there any record of that great website of theirs) and told them I wanted this removed from my credit report. The second customer rep who was nicer, but not any more effective, said that she would submit a dispute. I was put on hold for 15 minutes just so she could tell me that a manager would have to review my loan, a loan they have had for two months. I've worked hard to keep my credit in good standing and now I have a negative report because of a Western Union payment (weird to begin with) was made with a checking account that had a number wrong (allegedly, I have no proof). I've already disputed this from the bureaus and wrote a letter to Nationstar. But based on all these other emails it looks like this will not be resolved, if at all, very easily. I'm also very upset with BOA. I was a loyal customer and never over 30 days late with a payment (and that wasn't easy at times) and this is what I get.

We did not continue at that time. It was May 2010. We continued to have a major loss of money while my husband and I were trying to figure how to make more income for our family. We tried again for a second time. The same thing happened again. They continually "lost" our paperwork and I would end up so frustrated. We received a letter stating that we were not qualified for the HAMP loan. We found out a year later that this happened because we supposedly did not turn in all of our paperwork.

This past summer, I tried again because we were still low on income. We also ended up with a late payment. From August of 2011 to January of 2012, we tried valiantly to do the HAMP program. This time they lied, harassed, "lost" our paperwork several times over and became fraudulent. I cried, stressed beyond any stretch of the imagination from Nationstar. I called the FBI. I wrote to Fannie May and the BBB. I got nowhere with any of these place because Nationstar lies and is fraudulent. I would become so stressed that I would not sleep at night. They need to be investigated. They need to be make accountable. I hope a lawyer contacts me after they read this letter.

It is long now but to go into all of the details would make this drag forever. I tried to call today to see if I could found out something about my loan and they told me that the whole computer system was down! How can that be? Please help bring them down. I will do whatever you need to make this happen.

First, I want to state that I was not in default on my loan and found out much later in the process that I should not have been steered toward and approved for the program. I was guaranteed a savings of at least $200 per month and no affect on my credit score (which was excellent at the time). The process took over two years with Nationstar putting me through 4-5 "trial" periods, only to end up unapproved each time due to errors made on their part. At one point in the process I was told that I was approved, instructed by at least 4-5 individuals not to make a payment while my loan was being re-written by Fanny Mae. Told if I did that I would again be thrown out and have to start over. I called constantly because it made me extremely nervous not making a payment. Upon my demand to speak to someone in charge of the MHA department, I was connected with Matt ** (phone number **) who discussed my case with the Nationstar VP in charge of the department (Mr. **). I was told that I was not approved and that he (Mr. **) didn't understand why I would have been told I was. I read him dates, times and names of all who told me the exact same thing... "under any circumstances, do not make a payment!"

At that point I was in default on my loan, my credit rating plummeted and my anxiety went off the charts. I quickly made an effort to bring the payments current. I was told that I would have to resubmit my application and start over. Mr. ** told me that he spoke to Mr. ** about my concerns and that during this next trial period Mr. ** would personally oversee the process for me. As if it were possible, things got really strange at that point. Upon entering the last trial period (I think #5) I was told I was approved before I had even made my second trial payment. When trying to contact Mr. **, he did not know anything about me or my issues. I was told my new interest rate would be 5.75% (my old loan was 6.25%). When I asked why the rate was so high (because there were 3 & 4% loans out there) I was told by Matt ** that "they" decided what "they" thought I should be paying and then dropped my rate in increments until they reached that number.

My house payment dropped less than $50 a month! I make far less now than I did over 2 years ago when I originally applied and was promised at least a $200 monthly savings. I received no new loan papers. No official called of being approved (I had to keep calling). In respect to my credit rating, I wrote letter upon letter and Nationstar finally adjusted their records to show I was not in default. That was the one and only thing they seemed quick to try and remedy. That was after I made a threat of seeking legal representation.

Early in the process when they kept making my loan current so that I would not be approved, I started writing letters. To Nationstar, to the MHA Program, to President Obama and to all the congressional reps. I received replies from Obama, Feinstine, a call from Jeff Denham's office. Unfortunately all referring me to the Making Housing Affordable Program, paying no attention to the fact that that is what I was complaining about in addition to Nationstar's misrepresentation of the program and committing fraud. I have complete and thorough documentation of the conversations with Nationstar, dates, times, names. I have copies of all my communications and all responses received. I have confirmations of faxes sent to Nationstar. I filed complaints with the Housing Commission, the local Attorney General and the State Attorney General's Office. I filled out a form with the State Attorney General asking that I be included in any actions taken against mortgage companies who misrepresent such programs.

I met with a lawyer Catarina ** at ** who agreed to represent me but wanted a $5,000 retainer. I cannot afford to pay that. She was impressed by the fact that I had such complete and thorough documentation and that I wasn't someone who sat in her home for a year not making payments and then was trying to find help. She suggested I try to find some way to get my "story" out there and get some publicity that way. I did contact local radio and TV stations that were addressing this issue at the time but got no response from requests made of national programs such as Good Morning America, etc. In addition I contacted several lawyers asking if a class action suit could be filed. They either did not respond or told me they do not take on foreclosure cases. Mine is not a foreclosure case!

The final consequences were that I spent over two years of my life in frustration and horrible anxiety trying to get the process completed. Nationstar took my time, my credit rating and ultimately my sanity! I ended up no better off than when I started with a house payment of $1700 and an interest rate far above that promised and those available out there. I was lied to. At one point there was a note pinned to my front door, handwritten "Karen **, Confidential" with a small note on the inside saying that Nationstar needed to talk to me. It sounded like I was avoiding them when in fact I had talked to them almost every day prior to finding that note on my door! They treated me very badly and often tried to play the "maybe she will just give up" card. I feel they committed fraud in addition to misrepresenting a program that was designed to help people in need. My pay has been cut due to budget conditions in the County I live (I work for the County) and my house payment is again more than I make on a paycheck.

I feel I purchased my home over 7 years ago within my means at the time thinking (as everyone) that I would continue to get raises and not knowing the economy would tank. I put every last dime I had been given as an inheritance as a down payment ($85,000) thinking it was safe. I wanted to draw off of that to re-roof my house (badly needed) and put in new windows only to find it was gone! My depression took me to running up credit cards, going on strong antidepressants and visits to my physician. At the time I was lied to and went into default on my loan I was at an all-time low and jeopardized my job. I have a 28-year-old son with Down Syndrome who lives with me. The thought of not having sufficient income to take care of him and the possibility of losing my home took its toll on me physically and mentally.

I strongly feel that Nationstar should be held accountable for their actions. They clearly committed fraud. I have evidence that they lied to me for a period over 2 months. They sold me on this program. I did not pursue or ask about it. They misrepresented the program. I have no new loan papers, thus I wonder exactly what did go on to bring them to quickly putting me through the approval process on the last trial period? I feel I deserve compensation for my time and the anxiety caused in this process. I feel I deserve an interest rate in keeping with what is available out there (somewhere between 3-4%). I deserve an apology from Nationstar. I have plenty of family members and friends, and a physician, who can attest to what this put me through. I feel I did everything in my power to bring this issue to the attention of our Government and agencies involved. I have proof of written communication and responses to prove it. I am begging for someone to help and hold Nationstar accountable. It seems to be a "taboo" subject that no one wants to tackle. Please please help me make this right and get the answers that I deserve.

I called in December, January, and February to get this straightened out. I finally got a supervisor, and she told me to send in proof that I had been paying my payments as I had told everyone! I sent in the information (over 40 pages of their own statements), and waited, and waited, and waited. I called every week to get an answer, and they always told me that they would have an answer in 5-7 business days. Finally in July, I got an answer, and my 'appeal' had been denied. They continued to show me past due by 2 payments.

I made arrangements to make up the 2 payments, by paying extra on my regular payment. It has been in "suspension" since then, and nothing is being done about applying it to my payment, and they are still showing me late! I just talked to "Richard", and he said he would take care of it, and apply it to the late payments, and to check back in 5-7 business days. That's not the first time I've heard that story. I guess we'll see if he applied it to the payments. and, of course, I've racked up late charges since December 2010, amounting to over $1,500. Of course, they won't back those out either!

Then, after several phone calls, a customer rep told me it was because I did not pay my taxes. I was confused. Nationstar is supposed to pay my taxes through my escrow. The rep could not explain exactly what happened and I was forced to pay the increased amount. I never received any letter explaining what happened and received a bill from NYC Dept. of Finance saying I owed $5,000.00 in property taxes. What I do not understand is that if the taxes were not paid, where were my escrow payments going?

Now, this increased price does not have a time limit, Nationstar sold my mortgage to another company and won't speak to me about the problem. Nationstar has also put two 30-day lates in my credit report for May 2011 and June 2011, even though I paid in May what I owed and paid June as well. I faxed over a letter with my information to request that they take those 30-day lates off as I cannot refinance my mortgage because of them. That was on Dec. 12, 2011 and after several phone calls with promises to take care of it, the request by me has not even been sent to the correct department. I am feeling like I am being scammed as far as the increase goes and am being punished for their mistakes.

I'm getting at least 5 calls a day reminding me that my mortgage has not been paid yet! Let me get this right. You can ask for money on paper but you can verbally call 5x a day and ask for money? And last but not least, they refused to send me my 1098 Tax Form until I became extremely irate. And finally, one of the reps emailed it to me in February. Isn't that illegal? Hmmm. This company should be shut down! I am writing President Obama about this financial institution. I really think there is a scam or something going on!

I was finally told this was not approved after submitting all required information. They told me that they would try and get us a loan modification. This started in July of 2011. Finally, I was notified in November of 2011 and was told I did not qualify for this either. If I could not come up with prior payments due by November 2011, they would do a short sale on my home. I could not believe what I was being told as I only owe $11,000 on my home. The equity in my home is around $70,000 and finally I worked out where I would pay $217 per month more that my regular house payment. I could not make the payment before the increase but now I am paying $217 more plus large attorney fees added on to my note. What are these for? I have never had such a bad experience. I thought Obama was helping people, I believe Nationstar is a sham company and should be stopped taking advantage of people who are trying to keep their homes. Please post this and pass on to legal officials that should get involved.

It never specified what needed to be in the letter or why I needed to even get one. I then called the customer service center to ask what details need to be captured in the letter and the rep kept telling me I needed to send a copy of a check! After telling him for the 3rd time you don't have checks with a savings account, I asked to speak with someone who could explain the situation to me. The supervisor also put me on a "1-2 minute hold" to only come back and tell me that I need the bank to "verify" the account, even though I offered her all the information.

To top this experience off, she "cheerfully" tells me that I could have done this online! After collecting myself, I explained that they needed to modify their letter stating this as an option; better yet, have it listed as an option on their website (which it isn't). Finally, when I gave her feedback about the first rep I spoke with, she stated, "I will get on him for that!"

They are the worst! I now, more than ever, have even more disrespect for Bank of America. They have no respect for their customers to sell the loans to this type of company! They don't care--not like they ever really did! On a different note, how about how they continue you call your house asking you to contact them, but they are always leaving messages about calling during times they aren't open! I was told that if you don't make your mortgage payment on the 1st of the month, they will call you every day, several times, until you make your payment! So much for a grace period!

So after several months of dickering with them, we sent everything we had on my BK, and they finally starting sending statements and allowed online access. I thought it was all good until I checked my credit back in Sept or so 2011, and found they were reporting the loan as discharged and with a zero balance! I have taken the steps to correct, including filing complaints with the credit bureaus, but no change. I started calling them in November, and would be told that it would be investigated, but it was never changed.

I even verified with a C/S rep in late Dec. that they have the BK docs and letter from my BK Judge. So, I finally spoke to someone in their BK Department today, and she informed me that they will not be changing the way they report my status, as it is their policy that unless a reaffirmation was requested during the BK, and a reaffirmation filed, they will not report at all! I asked what would happen if I stopped asking payments, and she said that then the company would be forced to foreclose on it's lien.

We also cannot submit from our BK, as they will only accept what the Federal Government has on file for the BK, and on top of all of this, our C/S should never have accepted our documents or started delivery of statements or granted access to our online account. You gotta be kidding me! Even though they had a copy of the letter from my BK Judge, they won't accept it and it's against their policy to report correctly. Holy smokes. Calling my lawyer next, but if you have a similar situation, let me know.

We then decided to do the "making home affordable" option due to the money owed as well as foreclosure threats. But now the payment is higher than what we were originally paying and it is only good for 2 years. My loan amount went from $143,000 to $168,000 after the modification. The house only appraised in the $130s. Really? I was behind $30,000 and was not foreclosed upon sooner. I admit; I am not the smartest when it comes to understanding loan terms etc., but I honestly feel something is not right. If anything is being done (i.e: class action, etc), could someone please call me? Thanks, "lost in the numbers"

They suggested that we check in weekly. Just like the previous months, they starting calling me about the December payment; each time, I shared that we were in the HAMP process. It seemed each representative had a different collection angle. One told me that even if I was approved, that I still would have to get caught up on any previous months' balances before I could use HAMP. How stupid was that!

I called the bank about every 3 days to check on the application status. Each time I was told that it was in process. Then during the second week, I spoke to a gentlemen in the bank's HAMP section. He told me that everything looks like you are approved (this was on January 6th). He gave me my new principal and interest payment and a guess on what the escrow will be. He said that they needed to get the amount back from Escrow department before he could give me the exact number. He shared that our new payment would go into effect February 2012. That we would need to make the payments on time for 3 months and then they would convert it permanently in April 2012.

Since we were paying $1920 per month, our payments would drop to around $934 ($634 Principal and Interest plus around $300 escrow). The new payment would include all past due balances (December 2011 and January 2012) and all late fees. We were excited and re-charged! This new payment would now allow us to get caught up on some other bills.

Then the next week, just about 4 days later, I get a call from the bank asking me for the payments for December and January. I shared with the representative that we were in HAMP and we were just waiting to get notified as to what the final payment would be per the conversation on the 6th of January. Then she put me on hold for about 1-2 minutes. When she returned she said, "Sir, you have not been approved." I told her that that was impossible, that I had just spoken to them on Friday (4 days earlier). She said, "You have not been approved and we need your payment for December and January's is due in a few days as well." I told her that I wanted to talk to one of their HAMP persons.

I was finally able to get in touch with one of the persons that I had sent the initial paperwork too. I told her what had happened. She told me that the individual should not have told me that I was approved. Then she began to tell me that the bank was concerned that I could not make the $934 monthly payment. Keep in mind that I was already paying $1920. I told her that this was insane. She said that it was nothing that she could do. I asked if she would transfer me to a supervisor or manager and she refused! Now the bank's representatives are calling again asking for the payments.

Any suggestions on how I should handle this situation?

Keith demands a trial by jury. For these reasons, the Court should vacate the Foreclosure Sale, restore title to the Home to Keith as title existed prior to the Foreclosure Sale, award Cabaniss economic and punitive damages, award Keith all costs and attorney fees incurred in this action, and award Keith all such further relief that the Court deems as is just, proper or appropriate.

I now can't get out of the voice prompted message center to speak to a human. They won't let me speak to a supervisor when I have gotten through their voice prompted nightmare in the past. I continue to get numerous, daily collection calls because they are still showing my account as delinquent. I have also noticed that online, my total mortgage has increased $10,000.00. I am extremely frustrated. Nationstar Mortgage is a horrible company to do business with.

We spoke with a representative by the name of Jake who stated to us, "unless your husband is dead or disable, there is nothing else we can do for you." This is just one of the many problems we have had dealing with Nationstar. Is there anyone out there who can help us deal with Nationstar? We are a family of 5 and our home is all we have left. We are running out of time and do not want to lose our home. We can be reached at **.

I called and was told that it will arrive on the 20th but nothing again. During mid December, I received something. Good thing that I have 2 months paid ahead of time. Next, I get a letter stating that I will be charged for insurance if I did not show proof. So I contacted my insurance company and they did it. I follow up but there's no record. Now I make my first payment and its applied 100% against the principal, and my payment due date is the same.

This is horrible and we need to take action. We must flood their Facebook site and call the senate and congress reps. We must put a stop to this firm. In over 15 years of dealing with banks, I have never had an experience like this. It's the worst!

And this is supposed to be one of the better programs available. Well, folks, we're all screwed here unless we get organized with a class action law suit. Working with Nationstar is like working with a bunch of thugs, leaving you with the choice of walking away. Well, come take my home, Nationstar. Really now, why should I make an interest only payment on a house I’m already $175,000 upside-down in? Who are these people anyways? Nationstar, even the people at NACA never heard of them, but I’m sure they will because Nationstar is destroying the lives of good, hard-working people.

Anyway, they reported me to the credit bureau since I paid $153 less (wrong charge) to them for November. I asked them to fix it because it is a wrong charge and my insurance really did not lapse. It is giving wrong information to the credit bureau on my capacity to pay my dues. Also, I found out that the extra $24 that I pay towards my principal was not actually added to my principal but was kept in a savings account. I am wondering if they made money on this amount. They tell me they did not know what to do with the extra amount. Is this a joke or what? I have been with many mortgage companies and they automatically credit the extra amount to the principal or at least return the extra money to me. I am just amazed how a company like this can survive.

They have no idea what was even sent to me. This is a home loan. I need to be able to talk to someone who can answer a question about the agreement. When I asked to speak to a supervisor, I never get one. Alizae ** just left me on hold for 20 minutes, then got back on the phone, and told me that she cannot wait for me to talk to a manager any longer, and hung up on me. This service, is the worst I have ever experienced. I looked in consumer affairs earlier today, and the most recent post (11/29/11) is exactly what I experienced from Nationstar every time I called.

My credit has been seriously damaged and there is nothing I can do.

Four months later and I have not made a payment as they, Inept, has not been able to validate the debt under the Fair Debt Collection Practices Act, the Dodd-Frank act or the New Mexico Uniform Commercial Code. They keep trying to lie to me as their low-level representatives have a scrip full of misrepresentations. One even told me that they have all the original mortgage documents. When I told this representative to patch us into the supervisor to verify this, the supervisor was the only one on the line and the supervisor had to say the representative was lying in so many words.

If you ask them to verify the facts, they tell you they will fold! They also tried to say that Freddie ** was the investor. Hmmm, not really as they just guarantee loans for the most part. Freddie ** said that they were the trustee but could not say for whom!

First Horizon refers all the calls to Inept. I have written Anne **, Chief Compliance Officer, General Counsel, Exec VP and asked her to provide me with the legal owner of my note, where the note is, and who is the beneficial owner of original mortgage note. Nothing so far as I am sure that no one knows where the note is. Based on that, how can I make a payment not knowing the real owner? Also I copied my state Attorney General all of the letters I sent asking for debt validation. The AG acknowledged the letters but as I have not paid a payment to Inept there is no crime yet which is fine. I will file a quiet title in another five months or so as I am sure First Horizon Home Loans, Inept and Freddie ** will not be able to tell me who the owner of my mortgage note is, where it is held and how did it get there?

My quiet title action is to tell all about the fraud that the banks are committing. I am getting everyone educated to the problems of banks using fraud to foreclose. I'll help folks to fight back using uniform commercial code, Frank-Dodd Act and the Fair Debt Collection Practices Act. Read these acts and use the law against these criminal enterprises.

So I asked why she didn't know and put me on hold for ten minutes. When she finally came back on, she said she would get back to me about it. I also pointed out to her that there were payments shown on the records I requested that says they were paid from a forbearance account. But I have the receipts showing that she paid herself for those months. Also their records have tons of late fees that shouldn't be there, they have on their print outs that some of her monthly payments were applied in a lower amount than was paid (I have bank statements proving the actual amount paid). They are sanding people out to her house to take pictures and insisted that my mother who has severe asthma walk out to the road to get a paper stating for her to call right away. She did and all they can say is that she owes the money but they wont explain why or prove why.

She got a call from them about 4 years ago saying that she was $600.00 behind on her taxes. They gave her the option to pay all of it at once or just add a little extra each month until it was paid. So instead of paying her usual $985.03 she started sending $1076.00 (that was what extra she could afford at the time not what they recommended) a month to pay it off. But it did not stop there because they changed it to where that was her new amount every month since. Now because they can't or won't explain just what it is that she owes, they say she has until the 11th of December to pay or get out? Well, merry flipping Christmas to them too!

Any suggestions where to turn for help? Or maybe where we can file a class action suit against them? Someone needs to do something to stop this because i don't want my parents to loose their house especially since they have paid faithfully every month, and I hate to think of all the people they have already rear ended so far. I wonder how they would like it because I would certainly like to rear end a few of them.

When talking to Nationstar's customer service, and getting nowhere, I ask for their manager, or whomever they report to and I get an answer that there is nobody. No phone number, no nothing.

I have a sick feeling inside dealing with this company and will be taking our mortgage elsewhere. Here they have access to our banking account with the automatic mortgage payment. What really gets me is now we need to find another mortgage company and I'd bet we'll have new loan fees. I would never recommend this company, nor will I ever use them for any services. If there is a class action lawsuit, I would like to be part of it.

The following month, I noticed that my mortgage payment increased $75, so of course I called them back. They explained that the mortgage still would need to go up an additional $75 to cover the escrow shortage. I didn't understand why, but I figured they knew what they were talking about. In August 2011, we realized that we were not going to be able to make our August payment on time as I am in college full time and my husband is the only one working. We immediately contacted Nationstar before the end of August to find out what our options were. We entered into a payment arrangement where we would be paying our full payments starting on September 30th, 2011, and an additional couple hundred each month for 4 months to pay off August's mortgage.

Everyday we continued to receive harassing phone calls on both the home phone and cell phone even though we made a payment arrangement and were told that we would not receive the harassing calls daily. Sometimes they would call 5 or more times per day. When September 30th came, we paid as agreed and the harassing phone calls continued, asking for more money. I told them that if I had more money, I wouldn't have needed this so called payment arrangement that they put me in.

So two weeks later, on October 12th, 2011 we decided that even though we just made the first of 4 payments that we agreed on, we were going to stretch ourselves to pay the balance on the August payment in full at that time, plus our October payment in full and while we were at it, we paid our November payment. I paid over the phone for a small fee and the representative was understanding (or so I thought) as I continuously clarified that this was what I was paying and she stated that she would 'note the account' that I was paying off my payment arrangement, my October payment and my November payment. I would not be due again till December 1, 2011. I was very adamant that she understood me. She did try to weasel more money out of me for late fees, etc. but I was firm that this was all I could do and I would have to work on the late fees as another time.

The house was quiet for 2 weeks. And then the phone calls were coming again. Since I am so used to ignoring Nationstar (or toll free numbers in general), I haven't been answering the phone and was unaware of what they wanted. Finally today I get on my account online to see what they're fussing about and it appears that they are trying to fraud me in the amount of what I last paid. My account says that my last payment received on October 12, 2011 was $973.79. However, I was sure that I paid over $2000 to them. So I called my bank and double checked for the payment to Nationstar on October 12, 2011; the bank verifies that it was exactly $2056.36. Where is the other thousand some odd dollars that I paid them? The bank verified that they can fax Nationstar a copy of the statement showing what I paid. So I have emailed Nationstar and I have yet to hear a response back.

I am certain that this company is defrauding me more so now than ever as the last payment received isn't even the correct figures. If a class action lawsuit is filed against this company, I would like to be a part of it. The representatives all give different stories each time you call, they sound like they haven't even finished high school and I doubt they even know what they're talking about. In the meantime, how do I go about getting my loan transferred to another company?

It has been months of trying to get them to understand to stop sending it to my ex-husband because he doesn't give me the statements. The representative told me that I have to go online and print my statements every month now. I was like, why would you send it to my ex when I am telling you to just mail the statements to my house and I would send legal paperworks showing that I have a quick claim and it is my house. No one wanted to listen that I finally got one statement. Now, a few months later, I have finally gotten the whole big mess that I have been in with my ex almost fixed, and all the bills caught up that he left unpaid that I was unaware of. I have been doing all I can to keep the house within 30 days of payments. I have my payment due on the 1st and got a grace period until the 16th.

Today is November 6, 2011 and I got home from church and what do I get? I get a call telling me that I am late on my payment. I told her that I have until the 16th. Melissa told me, "Yes, you have a grace period but I will be calling you everyday from now on after the 6th." I told her that I get paid every 2 weeks and I will mail a check but she continued on and I have never been talked to so rudely by a company ever. I have told her that as soon as I get my stuff in order which I have checked into other mortgage companies and banks, and it will take me about a year to get it. And that I am going to refinance under my name alone to take my ex-husband off and I will not refinance through his company and that if anyone asks, I will tell them to stay far away from this company.

I emailed about the statements after I had that call but I never got a response to my email. I read reviews and it looks like other people are having the same issues with this company. I just hope that people read these reviews and stay away from this company. As soon as I can, I will get away from them. I think it's horrible that a company will call people who are not really late yet or call people bugging them, when they are trying to get things caught up then there are people who haven't paid payments or even try to get caught up but they don't have to be bugged with calls on a daily basis. I hope this company eventually gets investigated. They are not someone I will ever deal with again. As soon as I can, I am going to take my loan and go somewhere else.

I was finally able to work something out with them when, then bam! They made an error and even though I had a confirmation for a full payment and a confirmation for a second payment 15 days later, they instead took a payment and a half's amount without my authorization. I have been left with out a cent for 4 days so far and a few insufficient charges with my bank. I have called and tried to get an answer along with a letter sent right away with no response. I see this as theft. No different than a retailer clerk tapping into one's account making unauthorized transactions.

We made another payment on the 28th of October, called back today and they told me that I had to pay another enter payment! What? I asked for a supervisor, he refused and said, "That's not how it works. I don't work for you, you work for me and I'm not transferring you." What! He said that he can help, I told him I don't want his help, and to transfer me. Again, he refused, put me on hold, then came back a few minutes later and asked if I was ready to talk to him! Heck, no! I asked for a supervisor, again, he hung up on me! The worst customer service ever! So, now, I have no idea how much to pay, where my money is going, or when I have to pay it by. Horrible!

I called on the 26th to make sure that they had received the check and to find out what the next step was. I was told that they had everything, and it was being processed and I should receive a check for the difference (around $20,000) within 11 days. When I didn't hear anything, and they kept calling me to collect my payments, I called over and over to see what was happening.

Finally, on October 27, I was told by Albert ** (**) that the Mortgagor's Affidavit I had signed, had notarized, and which was received and signed for by R. ** on September 24, 2011, had been lost. I offered to fax the copy that I kept. Now I'm being told that the affidavit had expired. It was good for 30 days. It was mailed to me, dated 9/09/11, signed and notarized on 9/17/11, and they received it on September 24, 2011. That's within 30 days. So, Chris **, at extension **, just told me that they would have to send me another Mortgagor's Affidavit to sign, have notarized and send back to them, then it would take about 17 business days to process.

I have done everything I was told to do, cooperated completely, and have been robbed of my money. I have never gotten an honest, straightforward answer from anyone at Nationstar and have only had one call, out of the 20 or so I made, returned, and that was today, informing me that they were faxing me a Mortgagor's Affidavit I could sign and return. Then it would be processed in around 17 business days.

Pay Online. A good bank will reverse the fee. Even if they don't, this is cheaper than a legal battle. Fill out their insurance information form. Not doing so gets you marked as non-escrow in their system. If your insurance is cancelled, make the payment yourself to the insurance company directly.

After that, call and complain to Nationstar. You'll want the Insurance Dept. They make that payment. Escrow just collects the money. Check with them to make sure they haven't marked you as non-escrow. They should switch this over if it's incorrect.

My husband asked them if they were prepared to make him whole in the event of a loss. Our insurance had been cancelled. Would this mean they will cover the house if something happened to it? Would they cover his loss of wages should that be related to the event? This seems to get their attention. You have to make it their problem financially. If they still won't fix it, contact your insurance company and have them talk to Nationstar.

Make sure your payments are always current. Their business model is based on assuming people are deadbeats, taking the house then collecting fees for selling the mortgage back to the government. They went out of business once because of this poor model. Their second go involves having some mortgages that actually get paid. If you're one of these, keep it that way. So you've been labeled a dead beat. Follow the steps below. Hope they work, but I haven't had to do them yet.

First, contact attorney general in your state. Explain the issue in legal terms and back up with documentation. Contact the Real Estate Authorities in your state. Find out who prosecutes real estate fraud. Make a complaint. Complain to consumer groups. Write your Senators and Representatives. Do it both for the state and federal levels. Write the governor of your state. Send a letter with carbon copies to the CEO of Nationstar. Contact the local and national media. Here, you can probably use an emotional angle. They love that stuff-- hard luck stories. Contact the attorney general of the United States of America. Contact the President of the United States.

Make your voice be heard. The more people who do this, the harder it becomes for those who should be fighting for us to ignore us. Not every single customer of Nationstar can be a deadbeat. If that were the case, then our dear federal and state representatives should be asking themselves what kind of company makes that their business model. Not one. That means people well, that's for sure and not one that will remain in business for long. That alone should make people run and let the company go under and not keep loaning them money.

I followed through with needed signatures and notaries, only to find out that the docs were incorrect and got another sent to me to sign and have notarized. I called again and was told it included taxes and insurance. I have recieved several phone calls from Nationstar to contact them ASAP, which I have done, only to find out it was their collections department seeking my original loan back payments. I was told one department doesn't know what the other is doing. I made my three temp payments and called them today to find out that I owe $600.00 more dollars to be current, due on 11/1/11. I contacted them today and was told that my monthly payment as of 11/1/11 will increase to $388.00 per month due to taxes and insurance.

This was never disclosed verbally or in writing prior to signing modification documents. I contacted them again today and explained that I had asked that question prior to signing the docs and was told it was all included. Today, they said I should have known. They were sorry for the misinformation, but my payment will increase starting on 11/1/11. I asked for something in writing and was told the documents I authorized were for principal and interest only. It was my responsiblity to pay taxes and insurance. I've never felt so scammed in my life. I'm totally disgusted at the manipulation and continued misinformation by this company. I'm not sure on what to do.

Due to lack of any action, Nationstar was aware that I intended to refinance through another company to be rid of them, and I still intended to pursue the complaint to have the false report removed from my report. In retaliation for my complaint and attempt to refinance, Nationstar has now falsely reported my mortgage as late for June, July, and August to Experian and TransUnion. I have positive proof that my payments are on time and that the reports are false. I need someone to investigate this please. Thank you.

Ronald

In Nov. 2007, I was paying Nov. and dec. notes so I could have a little breathing room for the holidays. On Nov.6 2007 they informed me that they had sold my home to someone else and there was nothing I could do about it. I was not late on my notes. My parents even tried to pay the total payoff on my home but nationstar refused. So what happened to the 27,000.00 + insurance money? Nationstar kept every dime of the money I paid for, that my insurance company sent to fix the house. They sold my home without even a letter to me or anything. Plus, it still shows an "open/Active" account on my credit. I tried to contact nationstar multiple times but they refuse to speak to me. If anyone has any ideas please let me know. Thanks.

They drafted a modification with income that I did not have and only lowered the payment $100, but continued to send application for loan modifications as well. All documentations sent have been sent via fax, express mail and yet they denied receipt with my proof on-hand. This has been a costly time since only sending a few pages via fax can cost between $5 to $20 at a time and still have not come to conclusion. When the matter of income used came to their attention, they told me I will be forwarded to supervisor and I'll be called within 5 days. It never happened. I have spoken to several employees and nothing. They never even attempted to offer a smaller payment for unemployment, they only mentioned it and after that I was again lost in the stack.

First of all, I didn't even know it was sold and I paid my mortgage online like I always did. Well at least tried. When I brought up my account, it said it was closed. So I called Flagstar and they told me I was supposed to have received a welcome package from my new mortgage company. I did not, so they gave me a number to call.

When I asked about the welcome package I was to receive, they said they didn't send them to everyone. (That should have been my first clue on what is to come.) So how did they expect me to know where to send my payment? So I asked about making payments online and they said they charge you $6 to do so.

So I decided to mail my payment and asked if there was any grace for late payment since all of the confusion of not knowing where to send it. They said no--if it is late, it is late. At this point, I was already thinking to myself: "Is this some kind of a joke company?" Okay, so I paid the extra $6 to bypass the late charge.

On my October 2010 billing statement, I noticed a charge of $175 for legal fees. So I called them to see what this was about. I got no correct answer.

Let's see the first ** reason: It is charged to an account that is more than 60 days late and beginning foreclosure. I could see that if I was ever late. I told the customer service representative to review my account before they start pulling things out of midair. They told me they would request an explanation that would have to be sent by mail and to wait five-10 business days for it.

It came on the ninth day and it was just a copy of my last statement to explanation. So I call again and this time I was told the charge happens if your escrow didn't have enough money in it and they had to cover it. It so happened that my tax bill and insurance came in the mail that morning. So when I asked what my escrow balance was and it was 500 dollars over the needed amount, I again had to set them straight. The customer service representative then again promised an explanation by mail.

Same story; I just got copy of statement. So I called every two weeks until this past June when I refinanced through another bank. Glad I'm getting rid of this scam. Now I am still dealing with Nationstar trying to get them to send me the balance of my escrow. Every time I call, they tell me it hasn't been processed yet but they will put in a request.

So now what? I hope everyone spreads the word: Do not work with this company! Use Facebook and/or any other social network. People need to be warned! This company does not practice good business practices!

My mortgage was sold to this company by SunTrust last year. During that time I was going through a loan modification plan. To make a long story short, I went through my three-month trial period, which ended in June, received my paperwork in July, sent it back along with my payment for August in July, and they still have everything wrong. My payments weren't applied to my negative balance.

I just found out today that I didn't qualify for HAMP because I am at the 31% gross monthly income and my escrow is more than it should be. In addition to that, my payment was only modified for $15! Almost all of the customer service representatives are misinformed as well as uneducated about what's really going on.

This is the worst company I have ever had to deal with.

2nd problem. My husband filed bankruptcy in July 2011, only him. He listed our home in the bankruptcy which is a requirement to do, but stated we were keeping it. In Aug., I tried to make an electronic payment and found out I was "locked out" of our account. So I wrote a check and UPS it to Nationstar on Aug. 8 and it was received on Aug. 9. As of today, the check still has not been cashed nor had it been returned to us. We received no statement for Sept. so I started to do some research on the internet and found out that Nationstar will not send monthly statements once they learned about the bankruptcy, even though I did not declare bankruptcy.

My husband called their "Default Management Department" (even though we are not in default) as Nationstar states to do to discuss how to make the payment, but the line rings and then drops. He has called several other numbers, but they are either disconnected or they just "drop". I have sent 2 emails requesting that someone contact us either by cell phones or email but absolutely nothing. I don't know what to do. I have a bad feeling that they are trying to "set us up" for default. I have begged them for a reaffirmation agreement and nothing. Anyone else have this problem? I am now going to send certified letters to any and all addresses I can find for Nationstar. We have the money to pay them. I don't understand why they won't take it.

They are apathetic, and constantly state they do not have proof of my insurance when I have faxed it over and over on numerous occasions. I am not sure what to do anymore or who to complain to. It is hard enough to pay the current house payment without them overcharging me for an escrow account that does not exist.

In June 2011. Nationstar deducted more than what was agreed, throwing our bank account into over $1,000 of over draft fees that just compounded. I have managed to get back only $405.00. Until now, September 1, 2011, I am still trying to get the rest. Now, they are saying that we are three months behind. Fed loan modification was declined so they want us to do their in house loan modification. Well, if I do, then we would sign that we agree to the amount they say we owe them. We have been pressured to do this up to 11:00 at night. So, I contacted a lawyer. I am going to an accountant to have our loan checked out.

Now, the best thing any of you on here can do is to contact the Federal Trade Commission. I have filed a complaint with them. I was told if there are other complaints, the Federal government will investigate Nationstar. The other thing you can do is check whether Nationstar has filed a permit in State Corporate Commission to do business in your state. I plan to take them down, if I can, before my home is gone. What I have put on this site are just few highlights of what has happened to us.

Today, I called their customer service to make sure they received the fax I sent them because I sent it in twice the first time it was not received. First of all, the first thing the representative asked was if I was calling to make a payment. I told her I was not and the reason of my call was to make sure they received the documents I faxed them over with proof of my payments. She said the payments I sent for the month of July and August were not applied to my account and this would cause a mortgage late on my credit history. I tried to explain to her it was not my fault, I was not informed my payment had increased and they kept my money in their account for over a month and I was never notified of the change. She claimed they tried to get a hold of me via (sending letters to the property I lived at about a year ago, reaching me by phone to a number that when I call only rings and of course it is not my number).

Since the representative was not helping me, I asked to speak to a supervisor. She refused to transfer me to her supervisor, telling me there was nothing they could do to help me. That everything she was telling her, the manager would tell me. I insisted and she ended up transferring me to her manager. Just like she stated, I spent time talking to her manager explaining what happened and a solution was not given. This company is a complete disaster and the most unprofessional loan servicer I have ever seen.

The manager told me, the reason why correspondence was being sent to the property I used to live at was because it was submitted in my loan application when I applied for the loan. That is not an excuse, I got a letter via mail in my home, were I live and the property lien is against the beginning of this month and that is what triggered my phone call to them. It is unfair that the consumers get treated as irresponsible individuals and such thing gets reflected in our credit history and all other creditors rate consumers based on that. I'm calling Fannie **, the investor who owns my mortgage, if I don't obtain any help from them. I will have to refer my case to Attorney.

I called and they stated that my lawyer needed to reopen my case and reaffirm my debt. My lawyer stated that's ridiculous and the court won't allow that, you have been paying on time and no one formally reaffirms a first mortgage. I checked on my bankruptcy note and it states that my citimortgage is exempt, that I'm keeping the property and reaffirming the debt. My lawyer reviewed my credit report and noted that they have reported me being delinquent in June 11 which is untrue as my mortgage gets directly deducted from my bank account.

I called in and spoke to a rude agent who told me she needed a "reaffirmation of debt" letter. I said, "after 4 years, you won't be getting one of those anytime soon". She said that is why they are not sending anything to us. I reminded her that there is another person on the loan besides myself, are they just getting the short end of the stick? She said, "I guess so." We don't know what to do at this point. Nationstar told us to fax in a request, so we did. We received a letter back and have yet to see any coupon booklet or monthly statement. This company is a joke!

After the trial ended, my father sent Nationstar monthly payments which they sent back just so they could foreclose on him. He applied and was applicable for the HAMP program but they dragged feet stating hadn't received documents which he sent repeatedly. This has been going on for years. So now, my father is suing Nationstar. We can't afford an attorney. This has to stop and Nationstar must be held accountable.

Here is an update. I have been receiving emails from others who want to join in with my father. My plan is, whoever wants to sue/ file a complaint against Nationstar for predatory lending, etc., we (who have also been dooped by Nationstar) write "character witness affidavits" stating how Nationstar has wronged us and that person can present them as relevant evidence in their trial. If you would like to receive these affidavits to help you in your trial and will also write an affidavit for others to use in their trial, please email me:

2. your written affidavit stating how Nationstar wronged you. (You don't have to write a whole new thing. You can just copy what you wrote here. Make sure all you state is true and valid)

Secondly, I got out of bankruptcy and kept the house. I gave what was left of my 10-year old business away in Dec 2010 and I finally got a job last July 13, 2011. Now, I have some guy calling me and asking me for another payment when it is due on the 14th. I asked him if he could draw it from my account once my check clears without a late fee; he said no. I asked if I can extend my payment due date to the end of the month and he said no.

I get paid twice a month, I have child support and HOA going out (Child Support is 750) and my income for that period is around 1200. I asked for some help and he said to pay on time. I'm very disappointed for this phone call when I haven't been harassed like this in a while. I'm disappointed in how big business pushes the little guys but receives bailout money, and really the mortgage industry is the main reason our economy is like this. When mortgage companies like yourself made a "** load" of money during the last 7 years preying on people.

Work with me and and let me start earning money and catching up before you take it from me with late fees! I was a small business owner and people like American Express, Synovous Bank, Regions Bank (but others did and I did not bankrupt on them) would not work with the small business owner when I had a history of 10 years with that company because they over extended their lines with new customers who were trying to get a loan to buy a house they could not afford. So I got punished; I was never late. I lost my credit lines for no reason; and I had to bankrupt.

I would love some feedback from an executive in NationStar addressing this. I am not a happy customer at all.

They have failed to properly apply our payments to our account, illegally foreclosed on our home, and now are refusing to speak to us as we continue to try and resolve our issues.

Today I have over $400 in a suspended funds account, and I have not paid anything other than what was due. We have been trying to resolve our issues since 10/2009.

My PIT prior to escrowed taxes was $570 per month. Subsequently, Nationstar billed me a whopping $2,200 per month for PIT. I couldn't believe my eyes! They never sent me a document with escrowed figures prior to the whopping bill! I called them and asked them to escrow the taxes over a two or three year period. They led me to believe that I could and told me to call back in two weeks. I called back and my request was denied.

They informed me I had to apply for the MakingHomeAffordable program through the federal government. I mailed, faxed, and even scanned all the necessary documents (which they claim they received) but I constantly get letters and voice mail messages saying that they are missing certain documents for HAMP. Once again, I faxed and mailed the so-called "missing documents". Most recently, I have received foreclosure warnings by Nationstar LLC lawyers. I did send them a check at the beginning of Aug for $2,200 stating that the check included PIT for June & July and the remainder of the check should be counted towards escrowed taxes.

I am not pleased with this fly-by-night operation. My original mortgage was signed by Amtrust Mortgage. Please help!

In 2006, Nationstar took over the loans from Centex and that's when the problem started. They took my insurance and dropped it, even though it was paid and up to date, and my taxes were placed in an escrow account. They paid them and said that I owed them the money that they put out up front. My insurance was $300 a year and theirs is $1,500 a year for less coverage. Their insurance just covers the structure. When I called to ask about it, they said that its their policy. I was never asked, or even told until I got the statement that had some crazy amount on it that I owed. When I called to see why it was so much, they explained that they did all of this. The statements stopped coming and they only send them when they felt like it.

We paid our mortgage every month then about a year later, we get a statement that says we are over $1,000 behind, which didn't make sense. I called them and they said that it was an error on their part and that they would fix it. I again didn't get a statement for months. When I finally did, it was a letter telling me that they were going to foreclose because we were behind $2,400, which we weren't. I asked them to send me a pay schedule, so I can see what payments they received and where the problem was. They said that they needed a written request so I wrote it out and faxed it in. I never received the papers. I called them and they said that they didn't receive it. They said to stop the foreclosure and that we could do a modification on our loan, although my payments weren't late or missing.

I had my receipts and went over them on the phone with the person I talked with and they were missing a few payments, but if I fax last year's tax forms and a few other documents, they would see what they could do about the modification. So I did and I also send another request for a payment schedule. They got all the papers except the request for the pay schedule. They went on with the modification because I didn't want to lose my house and I wasn't sure why it was behind so much when I know I paid it every month. I got a letter saying that it has been modified and my first payment was $135 and the following month would be the regular amount of $389. So I sent the $135 and then the regular amount the next month and months thereafter. I got a statement a few months later saying it's behind again. I called and again got the run around. I said this is what I paid and when it was paid. They said that the $135 is only a partial payment and that they took from the next month to straighten out the previous month. So I owed them $17 and that would fix it. I gave them my checking account number and they took the $17 dollars and then two separate payments of $389. I called them because they bounced my account and my bank paid it but now I owed the bank the balance that I didn't have when they took that money and the overdraw fees. When I called, they said that they couldn't return the money but they will credit me for two months paid.

Several months later, I got another notice about foreclosure. I called them yet again. This time it was because of the two months that I was credited for, apparently, I wasn't credited and I am now two months behind. I owe extra money in lawyer fees and all these title fees and the amount I need to fix with my account and to take it out of foreclosure is over $6,000. I said that I didn't have $6,000 to fix this. It's their fault and I shouldn't have to pay for their mistake.

Well now, it's July and all of this started in January and my house is now a week and a half away from Sheriff Sale because they continued with the foreclosure. About two weeks ago, I received a paper from Nationstar with options to "save my home." I called them and they were nice enough to tell me that it was too late to do any of these options. When I called, they informed me that if I gave them $11,867.00, they could resolve the situation. I don't have that kind of money just lying around and I DO NOT owe them that much money. The money that they say I owe them is because of their mistake, not mine and I am not paying for their mistake. Because of their mistake, I am going to lose my home.

i called nation star morgage every day to find out when they were sending the moneys owed i just got the run around and said i have nothing coming what did i pay insurance for if thats the way i was treated not fair to me i would like to try and get some type of response from someone thank you so very much. how can they keep moneys owed to me and get away with it.i hired a lawyer and she skiped town.

I told them the same info as above, a third was paid at closing and the remainder payments twice in 2011 according to the contract we signed. I was told it would be checked into and someone would get back to me. No one ever called me back and I called them atleast twice a week. At one point I received a letter from Nationstar stating that due to a routine audit it was found that our taxes were paid twice and the payment would go back to the original agreed amount. In May 2011 I received my statement for my June payment with the $120 amount tacked back on, again with a notice that our escrow account was short. I called numerous times a week and talked to more people than I can count and would never be allowed to talk to the person who I spoke with the time before. I was told that despite the contract we signed at closing, the escrow could change at any time and the only option I had was to re-finance or apply for a modification. I told them I couldn't afford the additional payment , that it wasn't the agreed upon monthly payment at closing.

The person I spoke to in escrow said they called about my taxes and were told that a mortgage company could only pay the taxes once a year and didn't have the option of the three times a year, only an individual could do that. Now I am being punished for Nationstars mistake and they won't fix it.

However, we have been warned that if we do not pay this 67% increase every month, it will hurt our credit rating. They state this issue is settled. And stated they sent out an analysis on June 20th, its the 30th and we have yet to receive it.

Today is June 29th and nothing has been received yet; we are in the same state. The law states that they have to furnish this 45 days before a change occurs. Nationstar is being unreasonable in forcing an escrow account on something that is already paid. They stated that even if we paid a year's worth in advance, they would not put our payments back. How can a company get away without sending any notification and shouldn't a change like this be sent out certified? Why would Texas or any other state allow their residents to be blindsided?

The only way we knew they were doing this is we called them! Our payment is going up more than 60% without notification or alternatives and choices. Nothing was sent stating that we have this amount of time to be in compliance, etc. They just make their payments go up, reap the benefits, get interest etc, when there is no basis for it. Texas or the Feds aren't going to do anything about it anyway. If they can't afford the increase in mortgage, they certainly can't afford an attorney. Talk about taking advantage of the middle class.

Certainly, the foreclosure department is able to process our foreclosure much quicker then process our modification in the mitigation department! We just received a letter congratulating us on approval for their Alternative Modification Program. This letter was sent "snail-mail" and did not include the address to which trial period payments should be made. Form of payment: i.e. Only money order or certified check would be accepted, not even a telephone number! This is totally unacceptable!

This company is operating under a very thin veil as a mortgage service provider. The best advice ** "Call Natiostar before you send payment/documentation." Verify information every time you deal with them! Use "Money Gram" to send payment. It is very sad that they have established such a poor customer service record. Based on the "bare bones" letter we received about approval for our trial period payments, it makes it appear that they have no desire to assure that their clients successfully complete their trial period payments.

This entire experience has been extremely draining, exhausting. And this is by no means by fault of our own. We are very hard working, positive, contributing members of our community and were not over our heads with our mortgage payment when we purchased our home. If anything, we should be in a much better position financially today, as we should be earning more than what we were six years ago, instead of much, much less, and our position in life, as "empty nesters" [i.e. less financial responsibility]. I place the responsibility of where we are as a country squarely on the shoulders of our government.

The transfer from Centex Mortgage to NationStar through refinancing has been a living nightmare. I realize I finance at 9%, I believe $863.00, and some changes were okay, paying our on insurance and taxes at the time. That following year, we paid portion of the taxes and NationStar stated that my county Bexas reported it, escrow account was established and payment went up to $942 and some change.

I explained to Elizabeth ** since she informed me of the mortgage company foreclosure required. Thank God, we are retired military, we have never been late and my home is secure. Elizabeth stated, “If you wouldn't have sent the $1,731.72, your payment would’ve been $1,007.96 in 2010. I replied I will pay the 2010 taxes. If you do, I will sent it back, but your payment will not go up. She lied. My payment went up to $1,007.96, and I called and I did reply how I hated NationStar.

We have never been in this type of mess where the mortgage company set you up to rip you off in interest for their gain and it seems to force you into foreclosure. But this is important. On February 01, 2011, I faxed the Veteran Letter from the Department of Veteran Affairs, it clearly stated that he is a 100% veteran, and the application for Residential Homestead Exemption for 2011. I have the verification that these document was received by Elizabeth ** on the above date. Therefore, the county stated that the mortgage company owes me back taxes for 2010, for January, February, March, April and May. I bought this matter to NationStar customer service and stated that we were not entitled, so I went down to my tax office and told them the same, LeAnn with the tax office stated that the document I sent was enough. NationStar continues to charge the veteran taxes and interest and raise his home payment as stated above, they refuse to remove the escrow account and pay the back taxes that the county stated is due to the veteran, enclosing.

As a disabled American veteran, for the recognition of my honor and the sacrifices that I have given for this country, to be cheated and to be done such as I have is a slap in the face. Because of this whole matter, I was forced into refinancing. I had no choice. Trust was no longer there. I lost money by pulling money out of my TSP savings through the post office, filing for a hardship and causing my account to freeze for 6 months. I had to pay $450.00 for a survey, $55.00 for the title. And the money I requested out of the TSP account, I was told later that what I ask for was not all sent but held back because of taxes.

Elizabeth ** lied. What she told me was not in their system. She refuses to except the veteran 100% even if the county had not sent it over both Bexas Appraisal, and the tax's office said the documents sent of the 100% was enough to lower the house payment and to delete the escrow account. The above statement is true so help me God, every word of it.

I have owned this home since 2007 and never had so much trouble. They did not pay my home owners insurance with my escrow on time, and then when I inquired, they raised my house note another $50 per month, and said that they have the right to do that. There is never one person who will answer the phone. I am put on hold for 20 minutes at a time to try to talk to anyone. Customer service has been contacted by my recent complaint to the BBB about these problems, and they have lied in writing to the effect that they needed proof of my residence. I sent them all of the proof and recently spoke with a representative today, who said he would not give me his full name, but his extension is ** and his name is Dave. I think that they are not extending this Federal program fairly nor do they respond to the correspondence that I have mailed.

I called the customer service and asked what was going on with my account. She explained that the late fee was from my December statement and I told her that I paid the amount due. She offered to remove the late fee but said that I still needed to pay the $56.46 to update my account. I told her that I paid what was on my statement and my account should not be behind on any payments.

My taxes were behind. I was getting ready to pay my taxes when I received my January statement showing the late fees and escrow account. I told her that I never received a letter showing any changes to my account. I asked whom I could complain to about this. She gave me the address to their complaints department. My daughter, Pamela ** wrote the letter explaining my concerns and Mr. Stephan ** wrote me back with the breakdown of all my payments, but he never addressed my concern as to why my account is not up to date after making my December payment. I received my March statement, again late fees from January and February.

I called on February 28th 2011 and spoke with a customer service representative named Dana. She transferred me to the Escrow Department and I explained to her what was going on with my account. She went on to explain to me about the taxes and I told her that I believe all this stems from my payment in December. She looked in her computer and said that I made the correct payment amount but by the time they sent out the statement, their computer showed amount due of $375.83 because of the escrow adjustments. I told her that I understand it but my concern is that my account is still not updated; she said that I needed to pay $60.29 and that would update my account. I asked her what was the $60.29 for and she said from my December payment which should have been $375.83 and again I told her that I paid the amount due that was on my statement. I told her that I never received a letter explaining any changes to my account, she said that I should have. She looked in her computer and said that I didn't receive a letter but that she can send me one.

She put me on hold and came back to the phone and said that by law, if you're behind on your taxes then they don't have to send a letter to me. I told her that I shouldn't have to pay for Nationstar's mistake and that all this stems from my December payment.

I'm getting penalized for paying the amount that was on my statement. If my amount due was $375.83 back in December, that's what I would have paid but the amount due was $319.37. I've started to make my new payments of $375.83 because of my taxes being late. I have to take the responsibilities and do the right thing but Nationstar have yet to see their mistake. How can Nationstar continue to penalize me for a correct payment made.

My account is now past due. In January, I made my payment of $375.83. When I received my statement for March, there were more late fees for January and February. My account is in a mess.

When I asked the person who was writing my modification documents about that, she told me that the paperwork would all transfer over and I had nothing to worry about as long as I signed the modification documents before the transfer date (which I did electronically as that was the quickest method). Unknown to me at the time of transfer was the fact that someone wanted something changed or adjusted on the modification document after I signed it and the date they submitted it to the originator was November 2, 2010, at which time she attempted but was unable to make the requested change due to the transfer already took place on November 1, 2010.

I didn't find out about this until two months later. In the meantime had been receiving numerous automated phone messages from Nationstar asking me to contact them. When I called the first time, I figured it was due to the modification documents not yet being received by them and was told by their customer service person who took my call that it can take up to 25 days for the paperwork to follow the transfer.

Nationstar itself on their website states up to 21 days. As I never received anything stating there was a problem, I continued to believe that was the issue. I even received phone calls from a particular person at Nationstar who I was told had been assigned to my loan (his official job title is "foreclosure prevention specialist"). He never mentioned anything about a problem other than to say my modification had not "booked" (and did not offer an explanation of what that meant even though I asked for one) and Nationstar would try to redo my modification with terms as close to what had been signed by me as possible.

The last contact I had with this person was on Monday, January 24, 2011, when he called me late that afternoon and requested I submit several documents (a financial worksheet and pay stubs) in order to complete the modification before the end of January 2011 because I was supposed to start making payments to Nationstar beginning on February 2011, per the terms of the Citimortgage modification.

I faxed then to him the next day (Tuesday, January 25, 2011) and to date have not heard anything at all. The next thing that happened was I received several envelopes by regular mail only from the lawyer's office, who is handling the foreclosure for Nationstar. Although I was not aware of that at the time.

Contact was subsequently attempted by me via fax, email and telephone on Monday, 31 January 2011 as I had by then found out Nationstar had filed foreclosure against me with the Arapahoe county public trustee (they sent me their notification which I also received via regular mail only). I already know Citimortgage dropped the ball regarding my modification but Nationstar does not seem to have any intention of working with me, based on the most recent items I faxed them per their request . It would have been highly unlikely that Citimortgage would not have known the delinquent status of the loan when they sold it to Nationstar. It would also have been difficult for Nationstar to not know this loan was in default when they purchased it.

To the best of my knowledge, this can be construed as collusion, which is a violation of the RICO act. I need assistance initiating a "lis pendens" on the foreclosure so as to keep it from proceeding any further and to seek specific performance. (I emailed this to the Colorado state attorney general's office.)

In the meantime, we have had hits on our credit bureau and late fees attached to our loan amount. We have been trying to resolve this matter since December. But we are only getting more frustrated day by day. As you can see, we have talked to too many people and not one has taken the initiative to help us. We have never missed a payment and our credit is in good standing. We do not understand why the confirmations from the bank is not enough. Your help is greatly appreciated. If we do not get something done, this could go on forever.