Mr. Cooper Reviews

On 08 Jan 2011, I received a letter dated 12/31/10 that I had a dishonored check fee of $15 for the payment I stopped and that my next payment due was 01/01/11. Today, 10 Jan 2011, I called and spoke to Ben then Angel (male) who informed me their system is slow and apologizes. I was polite and told them both that I expect no further problems.

Nationstar Mortgage must have mismanagement and technical problems which is real bad for the forced customer that has to deal with the stress of making sure they do their job on top of making the money to pay the mortgage in the first place.

For two weeks, I made calls to Nationstar about this payment. I was told repeatedly that they had not received my check, but my grace period was extended. I was also told Nationstar was busy with lots of new mortgages. I finally called my old company again and was given a routing number that would track the check sent to Nationstar. I gave the number to Nationstar, and within a day, the check was processed (on their system anyway, it took 5 more days to clear the bank). That was when the late notices started. I received one on December 20th and one on the 24th. One had late charges, the other said they had not received my payment and listed payment options. I called Nationstar about this and was told that they had corrected it in their system. I asked for verification in writing stating I was not late on my payment and the delay was due to the transfer of my loan.

The representative stated "I don't think we have that." I persisted, and finally, the representative promised to send me a written verification within 3-5 days. I was also asked to send in a written statement requesting written verification of payment. I faxed it this morning and requested a call back to verify receipt of the fax; I have not received a call. To add to all of this, I have received two late notices from Nationstar, but no other correspondence, not even a statement for my January payment. I sent the payment early without a statement (I included my loan number on my check) on December 21st in hopes that they will not make any mistake.

I have seen many complaints similar to mine on this site, even some of the comments of the representatives are the same. Some talk about problems with escrow accounts. I contacted my insurance company and notified them of the change in lenders, but do not know what to do to ensure that my taxes are paid correctly. I have also filed a complaint with the Better Business Bureau. I am hopeful this will be resolved eventually, but feel unfortunate to be stuck with this company.

I asked to speak to a manager several times, with the only response I got being that I could call back the same 800 number and probably would end up talking to someone else. Horrible, non-existent customer service. I feel as though they stole my money and are refusing to talk to me about it or give me any answers. I have also sent an email today with no response so far. If I counted on that money being in the bank, this would be a disaster. Instead I have just transferred money from one account to another and made extra trips to the bank while Nationstar has my money. I cannot collect interest, I cannot use it to invest, I cannot do anything with it, because they have chosen to keep it and not talk to me about it.

Jose said I should have received a welcome letter that had been mailed 1 week ago. I asked for another to be mailed since as of today, I haven't been contacted by them in any way and have a mortgage payment due to them in 12 days. I did go online and set up a new account which is showing that my payment coincides with the Citibank amount. Any time I try to get any other information on my account, like my next statement, I get an error page. The website also shows payment options.

I am no longer able to pay directly from my account with an electronic check. There is no way to pay unless by US mail for this account, without using Western Union or Money Gram Express. These are fee based pay systems. I tried to look at the "Auto-pay Direct Debit" but this option is through Western Union and makes you upfront agree that fees may apply so I didn't pursue further. I don't feel that my loan has been sold to a mortgage service with equal service.

They stated that they must take next year's out. Still no mod from them; I called to pay in July 2010. Their phone was disconnected. I called Chase who is an investor. They told that they are now Nationstar. So I called them. The lady did not take payment from me and said I must now try to mod with them. I sent in papers in July. This week, I called to see what was going on. She said they needed more paper work. I said what else can I send other than the house. She gave me a balance of $38,000. Yes, I almost had a heart attack. She could not show were this came from. I did not pay one month in July 09. EMC put me into pre-mod and I paid waiting for mod.

They went missing. I was short 7 hundred a month in pre-mod. I know they are doing this to thousands of people. They are destroying people's credit, lying on the phone and causing stress. Why are they allowed to lie? Homes are the only thing some people have and have like lost $200 to $300 thousand in the market. They change names to avoid being caught. They have not sent where I owe this amount of money. I have two children and am divorced. Can someone please bring them down? I have contacted Trenton and received a docket number in reference to this.

I was told by Robert at Nationstar that they will not charge me any late fees or mark my mortgage as late for 60 days and to keep checking with my bank to see if the check clears. It is now November 8, 2010, and I yet to receive any information from Nationstar. Robert did provide me verbally with a new account number for my mortgage, but as he indicated it has not been received. I confirmed the address that was provided to me as to where to send my mortgage payment and he confirmed that this was correct. Then, why has my payment not been processed?

I am greatly concerned as my husband and I have never been late with our mortgage payments even through loss of a job in the home and this tough economic times. I am very worried that our credit will be affected by this new company, and that my property taxes, which are due November 30th, 2010, will not be paid, putting our great credit at risk. Someone please help. As in reading all the complaints against this company, it does not seem that this will have a good outcome. Help!

This last year when the modified home payment arrangements were announced, I applied through them and went on the modified home payment plan but Nationstar kept sending me statements that I was not paying them. When I would call, they would say that everything is fine, no problem and to just ignore them. They kept sending these notices but would not send me any kind of verification that they received my payments. I kept copies of all checks, money orders and sent them through Priority Mail with tracking verification to show that they received all payments.

Then at the first of the year, instead of sending me the paperwork, they kept promising to update the modified payment program they conveniently did not send me the paperwork. I contacted the Oklahoma Attorney General who contacted them but they just ignored the continued letters sent to Nationstar to provide me with all the documentation of amounts received, dates and all charges posted to my account.

To this day, Nationstar has not complied to any of my requests. They not only would not send any but now they backdated paperwork to May 2010, making it look like they sent it to me in May of which they never did. If they are going to backdate their paperwork then they need to backdate it to January of this year, 2010. Even the Oklahoma Attorney General wrote them a letter about six months ago that if they did not resolve this issue of concern then the Attorney General would pull their license. Josh ** still ignored the request and then this past month sent the Attorney General backdated form to make it look like they did comply when they did not. This is nothing but a smokescreen to take away my property. Now, he is saying that I have to contact him through e-mail, as if it's spam.

They also have in possession a check issued to me for storm damage from three years ago. GMAC Mortgage settled this several years ago and sent me a check for $1,600. I did not agree with the amount so I did not cash it for some time. Then when I misplaced it, Farmers Insurance reissued it to me and GMAC but GMAC said that it needed to be issued through Nationstar in my name but Nationstar has not given me my check back. Instead, they are holding my check as collateral. This is not only illegal but is obtained by false acquisition. They are falsely conveying lies to the Attorney General and this not only needs to stop immediately but I need some type of recourse. I have been paying them more than ever and still all they do is turn a blind eye to my concern as well as tens of thousands of others with the same problem.

This continuous threat of foreclosure on my home has really taken a toll on me and my health. I have never had a heart attack or extremely high blood pressure until this past year. Not only is it hard to find employment now but with the distress and high anxiety with continued complications of having to not pay on certain bills so that I can pay the mortgage has resulted in neglect of all my basic necessities.

Each and every time their office stated I needed something, I supplied it with fax confirmation. Their representatives never contacted me to let me know if they need additional information and one of their reps said that Nationstar doesn't call people. I could not figure out how a company would not call their customers to know if more information is needed. I continued to call and each time it is a different story. On one occasion, I called to follow up and was told that if I pay my mortgage on time, then I would not be in this situation. I worked for the same company for several years and dedicated myself to them. It is not my fault that they laid me off and I look for work each and every day.

Each and every time it is one thing after another. I was told to send information on my father, because even though he did not live with me his name was on the house. I faxed all the information on my father and he also filled out the application, then I was told that I needed proof that he did not live with me, so I faxed all his utility bills and bank statements. After your office received that, they then told me to wait and then the next excuse is that his name needs to be removed off the deed. So, I had to borrow the money to remove his name off the deed. I had his name removed from the deed on September 28, 2010 at the Henrico County Circuit Court, in Henrico, Virginia and I faxed over to their office the new deed as well as the information from the Henrico Clerk's office with the book/page number of the corrected deed.

I also faxed the receipt showing how I paid, when it was paid and recorded at circuit court. I wait thinking they have received all the information needed and since they do not call anyone, I called back and guess what? Now, they are telling me that they need a copy of the stamp! Are you serious? Why is Nationstar making this so difficult for me? Why would they refer my account to an outside attorney's office for tax sale within 30 days when they know I have been trying to get a loan modification without success for months.

I have read reviews online and it seems that maybe your company wants me to lose my home. Why is this so difficult? I have spoke with other people who have received a loan modification and no one has went through the trials that I am going through. I am starting to get sick from this, I am stressed out every day, crying every day, being talked to negatively each and every day by them. I am getting sick just from trying to get my loan modified. I need help and I cannot believe that a company would put anyone through this.

I called the number on the flyer and asked where they got my information and was told the newspaper. I then immediately called Nationstar. The agent I talked to said he seen where i made my payment as agreed and for some reason it didn't post. He told me he would post the payment and apologized to me for the error. He told me not to worry I was not going to be foreclosed on. He did tell me i was still a little behind. I said I was going to make (2) more payments on Friday October 8th when i get paid to get caught up.

Well on October 7th a Fannie Mae agent showed up to my house and said I was foreclosed on October 5th. The bottom line I was told 4 times I was not being foreclosed on. Mid August, twice on August 31st before/after payment and again on September 15th. All it would've taken was one of them agents to tell me and I could've paid more but I wasn't given that option.

On October 8th I talked to an agent and he said he's going to get it reviewed by his manager to get it rescinded. I only hope Nationstar acts with integrity and corrects this. I'm supposed to hear back on October 12th. What confuses me more is I went to get my deed to secure debt and it says Ditech still owned my house until October 5th 2010. Then it was sold to Nationstar on Oct 5th 2010 but Nationstar had my loan for a couple years. I was told my house was sold to Fannae Mae on Oct 5th 2010 but the deed says Nationstar. Very confusing.

We had left for a weekend in Yellowstone and returned to see strangers hauling our personal possessions away. I tried to stop them, but the ReMax agent said he could call the sheriff and have us arrested. But he said he'd give us Sunday to take what we could and get out. We lost so much in this fiasco. Money, jewelry, clothes, mementos, lawn equipment, furniture, and on and on. My kids and I were so shaken and stressed. We all had physical and emotional problems as a result. One child failed out of school. Another attempted suicide. And I lost my job.

This is a trick they use to get you current and deny your claim over and over. These people are liars and crooks! I also sent them all documents requested and after several weeks and no calls, I called them and they told me I needed more documents. When I asked why they hadn't called me, they said they had no reason. They also did not notify me that they had gotten the second batch of documents, some of which were the same as the first. Plain and simple there will be no re-do, and these are just their stall tactics. Why hasn't the Federal Govt. who promised these loans under Savior Obama following up on these crooks?

As isolated individuals what is happening to us is stressful, frustrating, fear-ridden and seemingly unwinnable, but in numbers we have a chance to correct the terrible wrongdoing at the cost of our livelihoods, our properties, and tax dollars. If these acts are not illegal they should be legislated as unlawful. Call and speak with Rich or Jennifer. Their email address is www.dominalaw.com. Don't just complain, act.

Many of the complaints are real horror stories ending in foreclosure. They range from the widow who suddenly found herself with a $75,000 mortgage on her house, taken by a total stranger from Nationstar to people who were out of work and trying to modify their mortgages. In every case, Nationstar dealt with them in such a manner that the victims ended up in foreclosure. The level of chicanery is unbelievable as is the fact that no action appears to have been taken to stop this fraud.

I was very upset because on the packet, that would qualify you. They went on other factor that was not enclosed to me in the beginning. I feel I have been lied to and the personnel were very rude. I have my mortgage through them also and have been with them for over 6 years and it is sad that they couldn't even help faithful clients like myself. I believe I could have saved at least $200 per month to start paying down my school loan.

In the beginning, Stephanie, my daughter owned this home at Fort Wayne in 46802 with a friend. It was purchased in 1994, I believe, and yes, a couple of times they were late, but they always got it fixed in a short time. Well, then the other owner decided she did not want to own the home anymore and wanted her name off it. Stephanie could not do loan alone so I also put my name on it. How very stupid, I was too old to buy a house in my 60's. Well, the loan had to be at least $60,000 to get the loan through Centex. The appraisal was tampered with, it came up to almost what it needed to be and Centex had the appraiser come up to what it needed to be.

The whole purpose of the loan was to take Leeann’s name off and it was to be in mine and Stephanie only. Well, any communication after the loan was closed still would have Leeann’s name still on it. They never did any filing at public records office and the title company didn't do anything it was supposed to do. I had to go to public records and do all paperwork for tax breaks and ownership and, etc. I worked for a company in the past and as a realtor, and I did all the footwork and it was done before or right after closing. The payment were to be reevaluated a year later by Centex to see if interest would be lower and the company sold our mortgage to Nationstar, or Nationstar bought Centex, I'm not sure which.

We got into trouble and I had to retire early due to my health, and Stephanie works for a school system so she’s off in the summer. I was missing work and then lots of medical bills and no insurance. It was not a good thing and we tried to work with the mortgage company. They added $10,000 to what we already owed and by now they did an appraisal and it wasn’t worth the $60,000 we borrowed in the beginning, but the house is worth now maybe $35,000 and why would be want to owe now $20,000 more on a home that never was worth what we borrowed anyways. But we wanted the other owner name off it and so we did it. We made bad decisions and many more since June 2004.

Before we did this loan, the payments were to Wells Fargo and we could pay in person. Now the loan was in TX and no face to face and they didn’t want to work with us. We even tried a short sale and they would not work with the lady on that either. I don't know what to do. Stephanie is moving out and leaving the home ASAP. And I am in another state and did a Quit Deed already and filing bankruptcy in the near future. In fact, I have almost paid it off and ready for filing. I will include it in my filing. I don't know if anything can be done, but we were lied to since day one by Centex and Nationstar.

I have attempted to contact Nationstar to give me documentation on escrow payments from GMAC or documentation on how they computed the current escrow payments but I get different figures from the escrow dept. Who claimed I only owed about $1,000. I have that in writing but their documentation does not even reflect my current modified loan.I believe Nationstar is defrauding me of my money and I cannot dispute anything because they continue to give me the run-a-round. They have lowered my interest to two percent but have tucked on extra payments. Can I get anybody at Nationstar to provide me with the escrow computations for my current mortgage payments? I have documentation from the re-modification dept. and escrow analysis from 2009. Can Nationstar stop defrauding hard working home owners and do the right thing?

So time passed, I received a FedEx package. In the package was a modification. So I read it and I didn't respond right away. So this representative named Shawn called me and asked me if I had received the package by FedEx. I said yes and he asked me when I was going to send it back. I said when I finished reading it and he said that they wanted the money on or before my pay day. They never asked me if this date would be good for me to make initial payment to start the loan modification.

He said that the company was trying to help me and that I should do what they asked. I told him that I would to the best of my ability, and that the payment was fine just that the first PMT was hard to meet because my checks came in the mail and that I was waiting for the checks to arrive that had been processed already and that I had to wait at least 10 days before I could inquire as to the whereabouts of the check. In the meantime, I told them that I also received a check from my other job and that I would receive it on the 8/6/10 which was Friday, the same day they wanted the payment in.

So when I received the monies in time, I went to the Western Union at Nix Check Cashing to make the payment by money gram and their computers were down. The reason I went there is that I had made payments to them there before and that they had all the information in the computer already and they weren’t going to charge me an extra fee for inputting the information, and I trusted the PMT to go through, but the computer was down. I went there three different times and they were down all late afternoon. So I called Shawn and I explained the situation to him on the phone and that I would send the payment soon as the computer was up. I left him a voicemail on his phone at 7:44 my time. Monday, I got a call from Nationstar that the payment could not be received by them. Because it was too late, they wanted it on 8/6, the deadline had passed, and that the audit department wouldn’t let him take the PMT now.

I told him that I had the money and tried to sent it Friday, but before all of this, Shawn had called me on the 2nd of August and asked if I had read the paperwork. I said yes and that I was waiting until Friday when I had all the money and that I would send it to them the FedEx with the payment, which I had done with them before. He said that would be okay, but he just needed me to get the paperwork signed and notarized, and to fax it back to him and that they could wait for the payment on 8/6. He said, ”Actually your payment wouldn't be due until the 11th of August.” I said okay. I could work with that and have everything in before that time. We hung up.

I faxed the notarized paperwork. He called me back to confirm that he had received it that same day and that everything was good. The next day, I noticed I had some voicemails. So I called. It was Shawn saying that you know that the deadline for payment was the 6th of august. I reminded him that he had told me the day before that I had until the 11th to actually get the payment to them, but for me to try and get the payment in on the 6th, I told him I would do my best. He said I had until the 11th again and he didn't say anything and we hung up the phone. The payment wasn't sent on the 6th, the computer was down. I told them I would be sending the PMT. This morning, the 9th, Mr. Chris ** said it was too late that he would send the payment back.

If I sent it, he wanted it in on the 6th. So, what should I do now? I’ve been in this house over 10 years, my PMT went from $3,236.00 a month to $517.44 interest only for two years, but they won't take the $907.55 for the modification that I already signed and had notarized. They wasted my money and this isn't the first time they have pulled some underhand stuff with me, they have lost paperwork, stated they never received it. I know they did. I sent it through FedEx, how they sent it to me is how I also sent it back in their envelope. So now I need help with these underhanded people. Help, help, please so sick to it.

So I continued to make a payment even though it wasn't in the full amount. They never sent it back or never said that I couldn't do that. One of their customer service reps told me that it would held in a account until it got to the loan payment amount. I said ok, that I wasn't able to make the full payment on the first since I had just started working a new job and only paid every two weeks. So time passed. I received a FedEx package. In the package was a modification. So I read it and i didn't respond right away. So this rep named Shawn called me and asked me if I had received the package by fed-ex. I said yes and when was I going to send it back. I said when I finished reading it and that they wanted the money on or before my pay day and that they never asked me if this date would be good for me to make initial payment to start the loan modification. He said that the company was trying to help me and that I should do what they asked. I told him that I would to the best of my ability and that the payment was fine, just that the 1st payment was hard to meet because my checks came in the mail.

Our taxes even went down, but our payment keeps going up! What is going on? Who watch's over these kinds of companies? They will not even do a home affordable modification program. But they will do a deed in lieu or a deed for lease! That means we sign over our home to them. We all need to start a class action against this company. Send your e-mails to ** and let's get started.

However, in '07, I had my loan re-modified due to economic hardship. With that being said, I thought that any amount including insurance from the previous year would have been included in the recalculation of the loan modification. I guess not since I am paying an additional amount. Also, they are charging me taxes. Where I live, property taxes are paid in arrears. I am paying previous taxes and taxes for the upcoming year it seems.

My bill went from 379 to 489 plus, I've sent an extra 200 for the past 3 months. My daughter requested that they provide a detailed summary from the past four years when they claim they had to pay my insurance and they haven't followed up since. They constantly call even after they receive a payment inquiring about when they will get the next one to bring the account current.

Funny, I have managed to pay all my bills on time and never been late on a payment to them or anyone else. But now they claim they denied me for Excessive Forbearance. What a bunch of worms. This company is not complying with the Obama plan. All they are doing is making their customer leave their houses. I have tried NACA with no avail because Nationstar said we are only going to give them this program and in two years they can reapply for a loan. Well, in two years our credit will have sunk to the point I won't be able to get into public housing. I don't know where to turn. I have written Congressmen, Senators, and Good ole Charlie *** the Governor Of Florida. They are in bed with the Banks who pay them to keep us under their thumb. It is only going to get worse.

They also said they have put my insurance in escrow to pay for property tax, impound and insurance although I've been paying every month the exact amount I originally bought for. I talked to them on Monday and I'm now behind by $8,800, due to late fees and all these craps that they claimed to buy for my home. How can that be when I make the exact amount I owe monthly? I finally gave in and called an outside insurance company and bought insurance for only $549.00/annually. How do they go about making me pay $3300 for insurance and charging me late fees and escrow fee and impound fee when I pay on time every month?

Whenever I call them they would have me talk to different departments-insurance, escrow, billing etc. because one department does not know what the one does. I have also tried contacting a lawyer whom they agreed to take my case but they said the fee will probably be more than the amount I owe. What else is there for consumers like us can do? I was told by many that banks like Nation star do that to owners with 10% plus equity, forcing us to go into foreclosure so they can take over our house and benefit from our equity. I don’t know what else to do? Can't the government protect us?

I was then contacted by Jeff ** who was more than willing to help me pursue the refinance program. After several discussions with Jeff and doing more research into the program, we decided to pursue the refinance option. Jeff indicated that in order to proceed he would need to run my credit card for $8 to generate the package. No problem. It is upon receiving the package that it was made clear to me how unethical Nationstar Mortgage is. And furthermore, that despite the calamitous financial environment we are in as a country, your institution has learned nothing.

The mortgage application that I received in riddled with statements about my finances that are quite simply lies. Somehow I suddenly have $75,000 in the bank and the that market value of my properties is $680,000 all such claims that I never made to Jeff and that Nationstar expects me to sign as truth. I believe that this exposes the predatory lending practices of Nationstar. When they are working on a program that could actually help the homeowner (HAMP), they request information multiple times and make inquiries into every detail. However, when they are doing loans or loan modifications, they are willing to take liberties and falsify applications.

They continued to call and harass me, stating that I am not paying my house payment. My husband spoke with them and they stated that my permanent modification would go into effect on July 13, 2010. This did not happen. Today I received a letter stating that they had not received my June & July payments, however, my checks cleared June 1, July 7 & July 12, 2010. Nationstar also removed funds from my escrow account, to cover "late fees" that were not in fact "late fees", as I was paying the trial modification amount.

Please help. I am scared that we are going to lose our home because of Nationstar's inability to maintain accurate records & update my account. I have $900 from my escrow account, that they refuse to give back. They have since raised my house payment, to cover the shortage, and are now threatening foreclosure.

When I discovered that customer service was closed, I immediately sent an email to the online customer service contact to alert them that I was unable to pay and that I did not want a late fee. I was charged a late fee and told by customer service the first time that I did not contact Nationstar by the 15th (not true). The second rep I talked with, in order to remove late fee, told me that I had made no attempt to pay my mortgage. Frankly, it is exasperating.

I have also written complaints online in various locations. Non-compliance with California Civil Code 2943 carries penalties for the failure of a mortgage holder to provide a payoff statement within 21 days of the initial request, which was June 11th, 2010. The fine is $300 per request and the tally is over $7,000 so far, and still no payoff statement has been sent. My rate lock on the new loan expired on 6/30/10, but was temporarily extended by Americash. That courtesy has also expired at this point.

Every call to Nationstar results in a different story and yet more promises that are turn out to be false. Connections to "Managers" turn out to be individuals who are non-management that only wish to get me off of the line. All Nationstar personnel refuse to provide me with a direct number or email to an individual who will handle my complaint.

I will not give up in my attempts to escape the clutches of Nationstar Mortgage, and will do all within my power to make sure your company is banned from doing business in California. A copy of this correspondence has been captured as documentation.

Now all of a sudden they want to do an "in house" modification and it will supposedly only take weeks! During this time we are being hounded with past due notices both regular mail and certified mail, phone calls and threats that they are starting foreclosure (sp) on our home. Even though all payments were made on time as per the modification process we are now being told we owe the the past due amount, the fees and any other associated monies. You can never get a correct answer, you can never get past a customer service rep and you never get the same person more than once.

Now after seeing numerous complaints about this company, I want to know why no one is investigating these people, this company and their business practices. How can a company receiving so many complaints go unnoticed? We have no idea where to go or what we can do other than letting them take our home or try and do a short sale to get out from under all of this.

Nine months later, there is a note on my door about my pending foreclosure. I was in a panic,and called them, and was told that they didn't have a good phone number for me, and therefore they are foreclosing. I was told that I had failed the modification program, and no longer qualified for the modification, and if they did in fact work with me, my payment would go back to the pre-modification amount. I then called HUD who left the foreclosure notice on my door, and who is working with me to re-modify my loan.

Now Nationstar says that they can get me back on a similar modification program, but the payment may be a couple of hundred dollars more then the initial modification. I have to start the modification program from scratch again. For the love of God, somebody needs to put these people out of business!

This notary asked me how I wanted my cash-out to be paid. I signed a release for them to wire money into my checking account and gave her a canceled check that she asked for. She told me that the funds would be wired into my account in 3 days (6/30). No funds were wired into my account on 6/30/ 7/1 or 7/2. I made 6 phone calls to E. M., his supervisor (Saiid ***) and customer service, leaving messages. I also sent e-mails to same. No return calls, e-mails or money.

I finally got e-mail addresses of 9 vice presidents of Nationstar and e-mailed them all asking for someone to return my calls. This finally elicited a call back from S. S. that there is a check sitting inside my storm door at home sent yesterday. I asked why I was told by E. M. that it was wired to me on 6/30 @ 5PM and customer service said it was wired at midnight so I had to wait until tomorrow and go back to my bank. I also asked what happened to my canceled check. I was tole they didn't know and that they never received it.

I didn't expect to have to chase after my money for 3 days with not even the courtesy of returning my calls. I would never ever use Nationstar again. If you are considering going with them, do what I should have done: internet search for complaints!

I called EMC, who said they sent it with the transfer. First problem: Nationstar lied to me. I emailed them my modification paperwork. Then they said I needed to make a payment first. I did. They got it and cashed it, but never applied it. I emailed them the cancelled check. They changed my account. I thought, "Why is everyone having problems with them? They did what I asked them." Well, I finally got online to my account 30 days after the loan was transferred and found out they applied my payment 10 days late, which they think I was stupid and did not know that added more interest because interest is accrued daily. Then I noticed they applied $2.00 from my principal payment to something called other charge.

I called them up and spoke with the most arrogant individual saying first that the charge was for processing. I told him, no, I paid by check which has no processing fee.Then he put me on hold, came back and he said it was a one-time charge Nationstar charges for transfers. I told him no, I don't pay transfer fees for one company to buy out another's loan and for him to credit it back. Then he put me on hold again and came back saying this was a charge EMC made to them at the time of transfer and they just are having me pay it. I said no, I have never paid transfer fees in all my loan transfers and asked him to have them put it back to my principal and back to the day I actually paid and they cashed the payment-day days prior. He said the company would not do that and to deal with it.

I was guessing the company was hard up and needed the money. I told him I wanted to speak with a supervisor; he said there were none on duty. Why did he put me on hold? Then I told him I wanted one to call me back. He said that this place I called was an inbound call center and they could not do that or make outgoing calls. Can you image for this stupid $2.00 and a couple of bucks of interest I was starting to get angry? Now it has to do with the principle of it all and I wanted their help.

I ended up hanging up on him and emailed the guy that helped me with the correcting of my lower interest rate problem. I am still waiting for an answer. But then I noticed the online account showed that the payment wasn't even reflected until 10 days after payment. This has been frustrating to say the least. Well, they don’t know I work for real estate lawyers and have talked to them. They said they would help me for free to correct this if Nationstar does not comply. I just had to vent this and tell everyone my story. But there is an even duped problem that Nationstar refuses to know. I cannot refinance or sell my home because several years ago, I was duped into buying a business and taking almost all my equity out of this property. It was a lot.

Unfortunately, I had lost that business not knowing I was duped into that mess too. I ended up having to file BK and saved my home, but a year later the housing bubble burst and my house is now worth $200k and my loan is $375. The original loan before modification was at 8%; I was able to modify for 4 years with EMC for 4.375%. Or I would have lost the home again. If this does not get resolved, I would end up giving them the house back. Voila, they now lost $175k on this new loan. But I want to stay here for the rest of my life and would be willing to pay my mortgage on this home, unless scammed again. I am hoping I don't have as much problems as some of you. I did note the president of Nationstar's number on one of these emails below and have it in my records just in case. I would hate to give up and give it back, but if they are so greedy to nickel and dime me, I will. Thanks for listening. No damages so far, except for the possibility of losing home in the near future if nothing is resolved, because I will never pay for fees that are not told to me and would never be able to pay the higher interest rate as a single mom.

I have called them more times than I can count. I have been hung up on and received mail from them daily. I have contacted them by email, their website and letters after letters. I event sent a request to their CEO requesting action. I am today sending packets to every department with Nationstar in a last ditch effort to have this resolved and then I will have no choice but to obtain an attorney to resolve. This has caused such stress for me being a wife, mother of 4, and a full time student. I have spent countless hours trying to resolve that I do not have to give to an incompetent company. It is a second home of mine in another state on family property and has caused stressed for my family as well. I make my payments seriously people pick on someone else.

I've tried unsuccessfully to argue this point, but having to deal with their customer service department is a joke! Nobody there, even the individuals in the escrow department, can tell me how an error like this can occur, and not be corrected to reflect in my monthly mortgage figures correctly. I believe this was not an error at all, I believe they do this intentionally to make the mortgages inflated, so that it appears that people are over-extended when in fact they are not. I have also applied for (twice) and been turned down (twice) for a loan modification. The first application stated that our monthly payment did not meet the government requirements of 31%, which it did...the second time, they stated we have excessive forbearance, which is a lie! The reason it looks excessive is due to that duplicate posting of my school taxes. This company needs a government audit, asap!

My monthly mortgage payment went from $2,650.00 to $3,500.00! Who, in this current economy, can afford an error like to to go on! And they are being agressive in trying to collect these funds they state are now past due. I believe they wanted to get this money fast, before I figured out the error. They are being lax in getting back to me with their finding!

They said that they have no idea what I was talking about. They have no paperwork to keep the payments going and said they will get to the bottom of this so I kept the payments going, sending them registered mail and PO money orders. They said to call them in a month, I said I would call them every week...I did but they never knew what I was talking about.

They got the payment and don't understand what is going on. This has been going on for almost a year. Now today they are saying I do not have the proper paperwork in and need to send them all the paperwork all over. In the meantime, they are not paying my taxes or my insurance which this is part of the money I am sending. Now I see all these feedback from all these folks on the internet, what they're going through and it looks the same.

They are getting my money, getting money for their company to sell me overpriced insurgence and sell the house out from underneath us and kick us out and get more money I think someone needs to help us. This is stealing as far as I see. I called FTC and they said they need everyone to call them and make a complaint then they might be able to do something. The Federal Trade Commission No. is 877-FTC-HELP. I think everyone needs to call.

I have been late on four payments at which time Nationstar has their agents from India call us at least twice or three times a day including Sunday. There have been days when they have called as much as six times. Nationstar has used scare tactics and has harassed us to the point that I have borrowed on another piece of property in order to pay them. I asked a manager if he would consider removing some of the four late charges and his response was that he would remove just one. I have reviewed our financial situation numerous times and the agents have advised that I should sell and that I should increase our monthly mortgage payment by one or two dollars/month which would be applied to the cost of the late fees over the period of the loan. I am willing to sell our half in a property we own in order to pay off all of our debts. Couldn't Nationstar work with me and remove more than just the one late charge? Please, help, please.

When we were almost down to the wire, on my children and I being evicted, they offered to put the late payments on the back of the mortgage, and I only had to pay $1,000. In 2009, I contacted them about going for a modification. I sent the paperwork in express mail, so I had proof they received it. No where in the paperwork did it say certified checks, or money order was required. I called to make sure I had everything in order, before sending the packet. That was when I found out I had to send a money order. Needless to say, they have tried to tell me that they never received any of it, but I had the proof from the post office, so they had to back down. I was also told I only had to send money orders for the first three months, and that I could use personal checks after that. In the fourth month, I sent a check, and they rejected it. I sent a money order for that month, and they say they never received it.

Recently, I sent my May payment, and they returned it saying I paid insufficient funds. It is a money order. When I called first, I got no return call from the woman I was working with, then I finally just spoke to anyone. My check was returned on May 5th. I was told I was taken out of the modification program on May 18 for a lack of payment for May. This is beyond insane. Now, I am being told a supervisor will be assigned to my case, and it will be re-assessed. My whole life is in turmoil. I am a widow, and don't know if my children and I will have a home to live in. I am now unemployed, and have found out there is a new program starting in July for the unemployed. I have requested to apply for that. I don't know what will happen. Due to a bad refinance, my interest has increased to over 9%, making a hardship, and I keep getting told I am off the modification program. Two payments have been lost, and I can't make them up.

I was unable to make my third payment on my trial period on time due to some transactions on my bank account that left us unable to pay any of our bills for the month of April and part of May. I contacted Micheal who was working on our modification at the time to inform him of what had happened, and no one worked with us. My statement says my last payment was 1/2010, and I know we sent a payment in February and March 2010. I have my Moneygram receipts. Someone has to find out what is going on with these people and why they let you get to a level you cannot crawl out of easily before they try and help you.

The third complaint is the adding of additional insurance from Nationstar to my escrow and monthly payments. This after they made me get additional insurance myself. Basically, I am paying double insurance for the same town home. After talking and writing letters to the insurance department, I never received an answer and they keep adding late charges. My written complaints to them do not seem to help, and no senior staff member investigated this.

I now get charged more than $500.00 extra a month on my mortgage payment due to added insurance in escrow, and I was forced to buy additional insurance. I receive phone calls each week from staff members and have to explain the whole story again.

I finally got a "supervisor" on the phone who I explained this too and suggested that they train their employees the same, then the client wouldn't be wondering day to day. By the way, getting a supervisor on the phone was a chore in itself. After months of waiting and phone calls to see what phase my loan was in, I am still waiting. It has been 8 months from the start of this and I still have no answers and now the reps keep sending me back to the queue for someone else to speak with. **, can anyone at this company answer a question honestly? After almost 22 years with GMAC, Centex and now Nationstar wouldn't that prove loyalty, yet they still don't care! All I have to say is run, run and don't look back. This is not the mortgage company you want!

I learned this week that I am now in arrears by almost $700 for escrow despite the paperwork provided at the time of the loan modification. Nationstar customer service reps call me every week and we play phone tag. When I tell them to put it in writing and that playing phone tag detracts from my job, they refuse to put anything in writing and don't much care that I could lose my job having to call them every day during business hours. Apart from the loan modification papers which were emailed to me, Nationstar refuses to put anything in writing; and the things they do put in writing can vary when later asked to be verified by their loan modification dept vs. customer service dept vs. escrow dept.

I was told that the escrow could go up again because they are required to maintain a 2-month float which could cost me yet another $1,500 or more. Who can budget for such drastic fees? There was no mention of them in the loan modification papers. I feel as though I am being bilked and that I would be better off paying my taxes and insurance myself. When I paid my May payment, the phone recording acknowledged the payment and then said that it would not post until May 15th and that another payment would be due on May 1st, 2010. I made what I was led to believe the full payment via Western Union. My confidence in this company managing my mortgage account is minimal. They don't really know what they're doing and their mistakes come at my expense. It's just not right.

I was told I would qualify for the modification program and to only make this low payment amount to catch up my escrow (which in no way shape or form was behind), and then my payments would be lower and easier for me to handle. Well needless to say, that person was retarded as well, because I made the payment and when I started getting letters and phone calls about my payment not being enough, I told them about what this representative told me to do, and they had no documentation of that either, okay. So now I'm super late with the so called regular payment, behind in the escrow account, and now they've tacked on late fees and fees for not making the full payment, which I was told to do!

Now, I've been dickering with these idiots more, because I truly can't afford this higher payment. I had to have major work done on my home and with those loans plus this higher house payment, I can't do it. I just can't. Well someone is supposed to be calling me back as they were not in the office at the time or something. They won't call back to help me, but they will call and harass me at work and at home. To make matters worse, they say I don't qualify for some modification program now because my one payment in December of 2009 was late. Um, I looked through my bank statements and that payment not only had been made on time, but it actually came out of my checking November 25th. Um, isn't that early not late and not to mention there is a grace period even if it had come out on Dec. 1st.

I truly don't know what to do. I've had a decrease in income and a decrease in bills regarding the house. I can't afford this payment and I don't know what to do because I have no other place to live. I am scared to say the least and I just don't know where or who to turn to next to help me get out of this crazy Nationstar Nightmare! I'm so depressed and stressed out because this is on my mind 24/7. Please someone direct to me to the source I need to be in contact with to get this back on track and normal again.

Today I called after receiving my monthly statement and there is a late charge. Last month I paid an underage on escrow and was told if I did that my payments would remain the same. Instead, my payments have increased. I have never missed a mortgage payment. Today I initiated a telephone call and spoke to nine different people including two supervisors. My call was made at 1:50 p.m. from my home telephone. I was put on hold at 2:03 p.m. for a transfer to a supervisor. I eventually got through to someone on my cell phone.

As I write this my original telephone call on my home telephone is still playing at 6:20 p.m. That is 4 hours and thirty minutes that this call has been on hold. I called back on my cell phone at 5:31 and spoke to a guy named Royce. He was extremely rude and did not want to hear me. This company should be taken to court in a class action law suit. They aren't worth a "tinkers damn". If anyone wants to call me and discuss this with me they can call on my cell phone. I am not going to hang up my home telephone. I am going to see how long they keep me on hold. Four and a half hours is way too long. Customer service in all departments of this corporation is at a stand still. They should not be allowed to be in business.

But, when I sent them to Nationstar Mortgage, I never heard from them. When I called their customer service department, they did not know what I was talking about and asked me to re-fax them over to their research department. I've done this twice, with no response from anyone. In fact, my May statement just got here and my payment went up! Each time I call, no one has any answers for me. The standard response is that it is under review and to call back within 5-7 business days. But, when I call back, I get the same response.

I've never seen a company so anti-military in my life and I truly could use some help. Any info would be wonderful. Thank you.

But listen to this. We were offered in August 09 an opportunity to do a new home mod program, backed by President Obama. I thought how great yes let’s do it. The customer service rep took our information and told me what our new payment would be. We were paying $2248.00 and now would pay $2078. Well at least we were saving some. Remembering that we were caught up in that rate increase our payment jumped up $800.00 more a month.

The rep. said it would take 60 days and we would get paper work. Also said that our trial period would go for three payments, this was in August months go by, I am getting nervous (because I don't trust this co.) no paper work I call oh it is processing etc month after month. Finally here we are April now they tell me there was a mistake (on their part) and we have to start the trial over. Ok this normally would be ok however (now I find out) no one told me that because I was paying a reduced amount that I would have late fees of $560.00 per month, tell me would anyone agree to save $200.00 a month, knowing that even if they were approved for the program they would owe for late fees? This doesn't make any sense why would I agree, oh wait that’s right no paper work to disclose this to me so I didn't know. So now they offered us a mod cap.

The total is now some $20,000 plus added to our mortgage balance. I asked for a disclosure on where that money is all going, no one can provide it for me. They are telling me I am 6 months behind, and I need to come up with x amount or they will foreclose. I was only one month late when they offered this to me and I caught that up. How can they say 6 mo. when I was making (reduced) payments each months, but that gives them the right to take action, right now there is $1700.00 sitting in a suspended account, that is mine. Also that payment reflects tax and INS. So if I paid more than my mortgage payment how is it late.

Technically I owe for tax and INS. So bottom line we sign or lose our home. We have a family size of 10, I was diagnosed with 4th stage cancer 3 years ago (am in remission) and my husband became disabled 3 years ago in an accident at work. He is currently getting retrained by LI and is going to college. Right now our options are tied up. I feel trapped; I know I have to sign this mod to save our home I have no choice. This mod is only good for this month (April) someone help us. Help someone needs to start a class action suit.

After several calls to this company requesting billing sooner and an itemized listing of our account (and attempts to get this from our online sign in page) with no results, we refinanced with another company. It cost us $2K but was well worth getting away from this company. Their business practices can only be described as predatory and their hope is to get people in financial trouble.

After several calls to this company requesting billing sooner and an itemized listing of our account (and attempts to get this from our online sign in page) with no results, we refinanced with another company. It cost us $2K but was well worth getting away from this company. Their business practices can only be described as predatory and their hope is to get people in financial trouble.

Then I was laid off and needed to go through the process of a loan modification. We submitted all the paperwork they needed. First, they lost all of our paperwork and we had to resend everything again. We made all of the trial payments that they told us to make on time and orderly. We would call and check on the process every two weeks or so, getting the same story. "Everything is in order. Everything look good. Just wait till the end of the trial payment period then we will notify you of your new payment" At the end of the trial period, everything gets sent to Fanny Mae to be reclassified and then the payments are lowered. The day before it was to be sent, Nationstar reported that my wife's check stubs did not look "official".

So they kicked us out of the mod. program. If that wasn't bad enough, they then tell us our home is facing foreclosure in 15 days, because we have only made partial payments for the last 4 months. That was the payment we were told to send in for the trial payments! Now they want $4800 in 15 days or we will be foerclosed on. This company seems to want foreclosures. They are not trying to help anyone stay in their homes! Nationstar Mortgage is nothing but a corporate robber! My wife, our three children and I are facing being homeless because of the crooked practices of Nationstar.

In December 2009, we received a foreclosure noticed from Feiwell and Hannoy, Nationstar's attorneys, and from the Porter County Superior Court. I called Nationstar and they had no record of us being in foreclosure. After hours of conversations and multiple phone calls, they finally found where we were placed into foreclosure and told that they had "put a code into the computer to suspend all foreclosure action until a decision was made on our account". In December, another court document was delivered stating that Nationstar reported that we had not paid since March 2009, when in fact, I have all money order receipts showing that I have been paying $929.19 a month since July 2009, per the signed contract from Nationstar.

I called Nationstar and was told that everything was fine and that my modification was in underwriting and the paperwork would be mailed out by the end of the month. In January, we still had not heard anything back from Nationstar. When we received our tax statements, the numbers were all incorrect. I called asking why it showed that we had paid so little and the lady informed me that they "had messed up and placed the money we paid into a miscellaneous account instead of a suspense account" but that it would be corrected as of January's payment forward. This never happened. I had called several times after to check on the status of our loan modification and each time I was told it would be done shortly.

On March 11, 2010, I received a certified letter from the Porter County Sheriff's Office stating that our home was up for auction on April 21, 2010, and this document was dated February 23, 2010. I called Nationstar and the man stated that our loan modification was denied on March 6, 2010 because they did not have recent pay stubs because the pay stubs they had were from June 2009 when we started the modification process. Never once did anybody call or send a letter stating that they needed any further paperwork. When I asked the man why the foreclosure continued although we were in the loan modification process, he stated, "I'm not going to argue with you. " Nationstar sent our account to their attorneys in June 2009, the same month that we started the loan modification process. The documents were filed with the Sheriff's Office on February 23, 2010, two weeks before the decision on our account was even made.

As of today, I still have not received any notifications from Nationstar stating that we were even denied. Had I not called the day we got the Sheriff's Sale Notice, would never have known that we were even denied, especially for a lack of two papers that we were never informed of needing to resubmit. They have taken almost $10,000 from us (the monies we have paid since July 2009 that they did not apply to our home) along with several thousand in late fees and escrow advance fees because Nationstar is saying that they had no money from us to pay our homeowner's insurance, PMI, or property taxes. I have the loan modification documents, along with all court documents, and money order stubs showing that we have paid several thousand dollars to Nationstar. I have proof to back up everything in this complaint

Well, they went and paid the year's taxes so I asked them what we could work out. Now, mind you, in Minnesota, you have 6 years before they would do anything to you or put a tax lien on the house. I told them we could not afford $2400 a month and that it was crazy. Their reply to me was, "sorry we can't help you; you are not late on the payments." I said, "exactly and we didn't want to get behind." That was the purpose of the phone call and trying to figure this out, I even asked if we could pay off the taxes they paid. They said yes and no. They told me that I had until Aug 1 to pay off, other wise, I could not pay it off.

So we missed a payment, hoping they would help us out. Guess what? They never did. And their web site is a joke. They say on there how they are so willing to help you out and they don't. So then, we get to the modification. They sent me out 2 packets a week apart from each other, so I called and asked which ones I should use. They said the 1st one, so I filled out all the paperwork and didn't hear anything. So I called them. They said they were missing pages; they were pages that didn't need signing.

Then I waited and called back 2 weeks later. They then tell me I sent in the wrong packet and need to send in the 2nd one we had gotten, so I did that. Mind you, when we got our packet, the 1st one, they wanted 3 payments, one July 28th and one August 1 and 1 Sept 1st. We mailed in the July and August payment together, then the Sept one in Sept and they told us we were approved and that we would get our final papers in Sept. Well, Sept came and went and no papers.

They would never call me. I always had to call them, they said to just keep sending in the payments. We made 5 payments and then the last payment they sent back and said we were not approved because we would have a balloon payment at the end and that Obama's plan didn't call for that so we were denied. Since then, there was a sheriff sale and Nationstar put in a bid at $207,000 which they will never get. We are upside down in the house and now we have to be out June 18th. I am very devastated. I did all the things they told us to do and then they do this . Anybody who wants I am getting hold of an attorney to file class action lawsuit. I have read every one of these complaints and Nationstar can't get away with this.

4 weeks later, I contacted Nationstar who informed me it could take up to another 4 weeks to get it from the lockbox. I was told to mail the check to Lewisville, TX. I then talked to the claim loss department who said that also was the wrong address, the check needed to go to Springfield, OH. All this time, I have to pay the contractor from my own pocket to get the house livable again so I can get new renters in. Because of this, I am not able to make the mortgage payment, thinking I will get the check soon.

The check is returned to me for me to endorse it first. I endorse it and send it back. The time is now February and I am still waiting for the check from Nationstar. I finally contact them and am told they need some documents to be signed and sent back. I did that and waited. Two weeks later, I called them and was told they needed yet another document signed and returned. In one day, I was on the phone for an hour and a half. I talked to six different people and was told six different things. Each time, I was told, "I don't know why they told you that," and that they were sorry.

Here, it is middle March and I still have not received a check from Nationstar. In addition to the late fees, my house has now been flagged for foreclosure. This has literally made me sick to my stomach. Why can they hold my check for almost 6 months (and possibly longer) and yet I can't be more than 2 months late with my payment without repercussion?

They couldn't modify the loan but could offer me a forbearance. The forbearance was a 6 month payment plan that would allow me to pay $636.21 for 6 months. This sound like a wonderful plan until I received a certified letter from a law office in Richmond, VA stating my property was set to go into foreclosure on January 19, 2010. They claim the forbearance would give them time to find a company to refinance my loan at a lower monthly rate. In the mean time, I get letters daily stating I owe the balance of the loan while I was under the program. The amount is like $10,000 of the $139,000 I owe and I don't have. So now, the forbearance trial will be up in May 2010 and I do not know what to do.

When I call Nationstar I get transferred around from person to person. No one knows the answers to my questions. Some of the representatives are rude and many of times I have been on hold for so long the phone call is dropped. Then on March 18th, I get another notice stating I am back in foreclosure and I have been making my payments. I really wish and want to stay in my home and need to know what I need to do keep it. Any advice you have would be greatly appreciated.

Nationstar requested updated unemployment proof on 1/15/2010. I sent it that the same day it was requested. It is now 3/7/2010, and I still do not have a loan modification. I have been selling my bonds to continue making my payment every month (I haven't missed a payment yet). I am still unemployed. I call every 2 weeks and am told the same thing, "it's in our underwriting department. They are working on it. No, we don't have an ETA of when it will be completed. No, there is nobody else you can speak to." I am nine months into this and counting (5 months with Nationstar)!

Now, Nationstar is providing insurance for over $2400 per year and insuring my home for over $250000 when the home is only worth $70,000 at the most. And told me I did not get insurance when I did have insurance with Millville Mutual for $75,000. They are trying to put a foreclosure on me by messing up all the records and changing all the facts without informing me at all. I asked for the copies of the remod I signed but they never get back to me.

I asked for records of fees and such and never got any there either. I am in the verge of total breakdown, as I have a problem with my teenage daughter, and trying to deal with all my bills that won't cooperate with paying off. I need help before they destroy my life completely. I am in the verge of total breakdown, as I have a problem with my teenage daughter, and trying to deal with all my bills that won't cooperate with paying off. I need help before they destroy my life completely.

I made a payment plan with this fool David, and sent $258.00. Then, in November 2009, my husband got laid off. I told the creep about it and he acted sympathetic. I told him that we would need to make another payment arrangement in February because I had to situate our lives in survival mode. He was not at all concerned about the recession and the layoffs, especially not ours. He kept on with the first agreement and said that he would have to talk with his investors since he has left me countless messages in the past two weeks.

I don't expect much from a ** office ** so we got into it on the phone. I told him to go check with his ** and get back with me. He changed his tone on the second call because my husband was ready to intervene. When I called the billing office to find out if we could talk to a supervisor about this issue, she stated she had no information in regards to that payment in collections.

Who is running that corporation? A bunch of interns with attitudes who still live in their parents' basement? I have a small account with them and cannot stand working with these sharks. They have misplaced a payment of ours in the past, and I suspect that they have done it again for my January payment. This time, I got serious and sent my payment by certified mail. The billing department has informed me that I only owe $56.00 for March and I am documenting this online to follow up on their inconsistencies that are costing consumers.

1. The Office of Financial Institutions is responsible for regulating and licensing mortgage loan companies and mortgage loan brokers in accordance with the provisions of KRS Chaper 286.8, the Mortgage Loan Company and Mortgage Loan Broker Act.

2. Nationstar Mortgage LLC, through its predecessor in interest, Centex Home Equity Company, LLC, was issued mortgage broker license number 617 in order to engage in the mortgage broker business in the Commonwealth of Kentucky through ils principal office located at Highland Drive, Lewisville, Texas 75067.

3. Nationstar, through its predecessor in interest, was issued mortgage broker license number 794 in order to engage in the mortgage broker business in the Commonwealth of Kentucky at an office located at Corporate Campus Drive, Suite 2400, Louisville, Kentucky 40223.

4. Pursuant to KRS 286.8-170, OFI conducted examinations of Nationstar on July 10, 2006 in Lewisville, Texas and on July 17, 2006 in Louisville, Kentucky to determine whether the activities of Nationstar were in compliance with applicable statutes and regulations.

5. During the examination, the examiners noted a number of activities which the OFI alleged to be violations of KRS Chapter 286.8, among them being the following: Nationstar accepted information concerning loan applications by individuals in its employ, who at the time of contact, were not registered loan officers within the Commonwealth of Kentucky and which, if proven, would be in violation of KRS 286.8-255 and (RS 286.8-030(1); Nationstar failed to obtain approval from the Office of Financial Institutions prior to changing the name of its company in violation of KRS 286.8-036(4);

Nationstar failed to maintain required accounts, correspondence, memorando, papers, books, data and other records prescribed by the 0F1 or required by federal law both at its principal office in Lewisville, Texas and its branch office in Louisville, Kentucky which, if proven, would be in violation of KRS 286.8-160. Specifically, pending loan files and foreclosure files were not produced at the principal office; turned-down, cancelled and withdrawn loan files were not kept at the principal office; the original invoices for appraisals were missing from many loan files at both the principal and branch office; only three months of closed loan files were maintained at the branch office;

Nationstar failed to disclose on good faith estimates the settlement service providers which it routinely uses or requires to be used, which, if proven would be in violation of 12 U.S.C. Section 3500.7(e) of RESPA; 2. Nationstar failed to mail required adverse action forms to borrowers whose applications were withdrawn, which allegations, if proven, would be in violation of 5 U.S.C. Section 202.9(a) of the Equal Credit Opportunity Act, Regulation B. Nationstar failed to include complete and accurate credit score information in at least three closed loan files which, if proven, would be a violation of 15 U.S.C. Section 2 12(c).

6. Following the completion of the above examinations, the Office of Financial Institutions, tendered to Nationstar Examination Reports dated March 23, 2007 (Re: License Number 617) and March 28, 2007 (Re: License Number 794) informing Nationstar of the alleged violations noted. Nationstar has denied that it is in violation of any applicable state or federal law with regard to the conduct of its business. Without admitting liability, but to resolve this matter without further litigation, Nationstar has agreed to compromise and settle all claims arising from the Examination Reports in accordance with the terms set forth herein

AGREEMENT AND ORDER

The Office of Financial Institutions and Nationstar Mortgage LLC f/k/a Centex Home Equity Company, LLC, in the interest of economically and efficiently resolving the issues raised in the foregoing Background and Factual Findings, agree as follows:

1. That in lieu of the imposition of any fine or penalty for the alleged violations set forth herein, the parties hereby agree that Nationstar shall make and tender a voluntary monetary contribution to State Regulatory Agency, LLC, in a total amount 3 equal to one hundred and five thousand dollars ($105,000), to support the Nationwide Mortgage Licensing System, jointly sponsored by the Conference of State Bank Supervisors and the American Association of Residential Mortgage Regulators, with said contribution being delivered to Bill **, Nationwide Mortgage Licensing System, Connecticut Ave. NW, Fifth Floor, Washington, DC. 20036-4306, within thirty (30) days of the date of execution of this agreement.

A copy of this contribution check shall be simultaneously delivered to the Kentucky Office of Financial Institutions, Attention: William **, Capital Center Drive, Suite 200, Frankfort, Kentucky 40601. Additionally, Nationstar confirms that it has made refunds to customers,reinstated and reduced interest rates and refunded fees in accordance with the agreement of the parties and pursuant to the Examination Report dated March 28, 2007.

2. Nationstar Mortgage LLC f/k/a Centex Home Equity Company, LLC hereby waives its right to demand a hearing concerning the issues herein in which it would be entitled to legal representation, to confront and cross examine witnesses for the Office of Financial Institutions, and to present evidence on its own behalf. Further, Nationstar Mortgage LLC Centex Home Equity Company, LLC consents to and acknowledges the jurisdiction of the Office of Financial institutions over this matter and that this agreement is a matter of public record and may be disseminated as such.

3. Compliance by Nationstar with this Agreement and Settlement Order resolves any and all issues or allegations of violation of law which are within the jurisdiction of OFI and which occurred or arose prior to July 17, 2006, the final examination date here.

Four times we got letters from the county explaining the situation and corrected tax information. However, both GMAC and Nationstar absolutely refused to adjust the payments back to normal. Not too long after, I was laid off from work and Nationstar began working on modifications in hopes of allowing us to keep the house. Nationstar has been working on these modifications since May of 2009 and we were just told that we either make too much money or not enough in order to qualify for any type of assistance. To make things worse, in order to catch up on the property tax bills, the county issued provisional bills for two separate years, with no exemptions. So now Nationstar thinks our property taxes are now $5000 a year.

I finally talked to a man named Jason. He strong armed me (with threats to foreclose) into taking what he called a Cash for Keys, Deed in Lieu. He dangled that carrot in front of me, offered two months mortgage payment as bait and said to move out of my home and they would send the paperwork to sign and I would be free of the debt owed. Funny when I called and said I had rented a house, they stopped calling me at all. When I made attempts to reach this man named Jason, he wasn't available or only got voicemail.

Then when I tricked the operator into putting me through, he explained he had been transferred to another dept. and some woman had my account. I never did get to speak to her! I have not been able to get any response from them at all. I kept getting my regular monthly statements from them telling me how much I owe and then today a couple show up at the door to serve foreclosure papers. I called the attorney and she said she would look into it. Yeah right! What happened to Deed in Lieu and the Cash for Keys? Now, I am out of my house, paying for rent and still according to the statements still racking up debt with them.

I got my regular payment notice but see that it's for about $100 more than usual. I thought this was because Nationstar had bought insurance for me, so I sent in my normal payment amount. Then I start receiving late payment notices. I thought they had made a mistake, so I didn't pay much attention to them. Finally I called them, as they were sending more and more notices. I was told my insurance almost doubled, and that their paying it had depleted my escrow account. They added late charges to my November, December, and January payments.

I got a notice saying I should call this number, get some help with my mortgage, talk to someone, etc., like someone on the other end of the line would actually be empathetic and helpful. Wrong! When I called, I was told I needed to send an additional $200 in February to get caught up. I said I didn't have this, and she said they would add late charges for February. She also said, "I suggest you borrow the money from someone." I said, "If I had someone to borrow this money from, I wouldn't be in this situation!"

She also explained about the modification program, explaining how to sign up for it. But then she said, "You have to be caught up on all your payments before we can process this." I said I can't pay this all at once, that's the problem, and she had no suggestions or much to say after that.

Yes, you'd think, as someone else said, that with the housing situation the way it is, they would be willing to work with people to make their payments and eliminate a toxic asset. Evidently, no. I could send in extra money during the month, but that was not asked of me. They didn't seem willing to make any arrangements with me. So now they are threatening to foreclose on me.

I can't believe all the complaints about this company. This is crazy! How can this company be allowed to do business like this? At least I don't feel as alone now. I sent a complaint e-mail but after reading all the complaints I'm not hopeful that anything will come of it. This had caused much emotional stress/distress, as I now fear they will foreclose on me. I have picked up extra hours at work (yes, at least I have a job) and now I'm in physical pain, as I have a bad knee that I can't afford to have surgery on.

Later, I received another statement stating that there were other charges in total, including escrow that amounted to $2,860.09 to have everything up to date including January payment. I borrowed this amount and sent a personal check for this amount on 1/3/2010. This check was cashed on 1/11/2010. Now, I received another statement which states to bring the account up to date is $2,149.73. I can't keep this up on a fixed income. I don't even understand why charges keep coming in if I pay the amount they ask to bring everything current. I will continue to make sure the original payment is made but no extra.

The loan never went through. Then my husband was laid off. Now we don't qualify for refinance because he isn't working. So we did a modification. Now after 4 months, they told me my payment is now over $700 when it was originally only $500. They say it is to cover all the back payments I owe from the modification and insurance. We could barely pay the $400. How do we pay $700? They don't seem to be able to come up with anything to help. If the original refinance had gone through, we would have been fine.

I still however, receive calls from NS daily about my payments. I have spoken to person after person and they are apparently a bunch of idiots. I used to be with Centex Home Mortgages and was turned over to NS and I hate this company. They are not willing to work with you. In my opinion with so many people defaulting on their loans, they should be a little nicer and willing to help the people who are current and are making the effort to pay their loans. As soon as my husband's hours pick back up, I will be leaving Nationstar Mortgage! I hate this company! They are rude, disrespectful and don't practice goo business ethics!

Within 1 week, I received a letter from Flagstar that my mortgage was sold to Nationstar, and as of October 1, I should send my payments to Nationstar and that they would be honoring my modification. I have a feeling Flagstar and Nationstar are affiliated. By the third week in September, I had not received any info as to where to send my payment, account number, etc. I called Jennifer ** and told her this. She told me to send the payment to her, and she would forward it on. I finally received information from Nationstar along with a nasty letter that I was in default of my loan. I called them and told them I was in the middle of a modification. They said they had no information about that, and that maybe the paperwork has been delayed.

They told me to call back in a month. I said, "No, I will fax you all the paperwork." They agreed. I did so, and then called to verify they received everything. They said they did. Every month, I make my payment. Nationstar calls me and tells me they are going to foreclose because I am not making my contractual payments. I told them the amount I sent, the date, and that they cashed it. Miracle! They locate it. They say it was mistakenly posted to a suspended account. Every month, I call to find out the status of the modification. They give me a song and dance, and tell me to keep paying my trial payments until they get around to mine. They cannot tell me when this will be.

So I went online tonight to see where I can get some help, thinking maybe there is a government regulatory entity. No Luck. I did find this website. From what I am reading from the other posts, there is clearly a pattern of bad business practices. These people not only have the exact scenario as I do, their situation has now gone much further. I am at a loss as to what to do, or who to call. If anyone has any advice as to who we can got to for assistance in this matter, it would be greatly appreciated.

We send in our fourth trial payment in December and the loan was supposed to be processed by January 4th. Obviously, that did not happen again. This time no one at NationStar could tell us why. Then we see a notice in our local paper that our house was going to be auctioned off on the courthouse steps on January 28th 2010.

Naturally, I begin to flip out on anyone and everyone I can talk to at NationStar and got a gentleman by the name of Carlos at ext. 2120 to call the attorneys and postpone the auction. Now, they needed to send us another set, the third one, of loan modification documents which we sent them back again. Our attorney called them and it was stated to her that we did not need to make any payments until February 1st 2010 and we had $1900.00 in suspense. Now, they are saying that we need to send them another trial payment and here it is the 22nd of January.

Legally, they can still try and auction my house on the 28th because they have done all the legal process and they want me to send them all of my money. No one will give me anything in writing and I don't know what to do. Has everyone read all the complaints about NationStar? I have found court documents where they were investigated and they paid Kentucky $105,000.00 to stop their investigation. Are you kidding me? 70% of NationStar's monies is in FannieMae backed loans. So, in other words, they can take our trial payments every month, auction off the house and get that money and then collect the rest from FannieMae and they are out nothing. They are making bank! I want to know why no one has done anything about this.

Our credit is ruined and my kids and I have had to endure the embarrassment from the auction notice in the paper. I have a home-based business that will be out of business if they continue the foreclosure and they have caused unbelievable stress on my family. We are broke and we have done everything right and we are getting taken advantaged of because they know they can. Someone needs to help the little people in this huge world of fraudulent mortgage companies!

At this point, we stopped sending in payments, awaiting our trial period to begin (after 3 trial payments, a new loan with a lower interest rate, depending on your income, will conclude your modification) Finally, I got in touch with Nationstar, and they had no clue that we were in the modification process at all. We had to start all over! Not to mention, we were now 5 months behind on payments. We were receiving notifications that we were defaulting on our loan, and that we're heading towards foreclosure.

The Nationstar representative seemed helpful, and has reassured my family that as long as we send in our three trial payments, our loan will be modified to help us stay in our home. We have now sent in two of the three payments, and after reading about this company, are terrified of losing our home. We will find out in February, whether this will help us, or if we'll be out on the streets. I will keep you all posted.

Then today, 1-11-10, they called and told me they needed 3 forms, which I have sent them twice. I told them I sent them 3 weeks ago and they told me they didn’t have them. They needed them faxed! They always ask, “Why are you not paying your payment?” I got tired of telling them over and over, so I said, “No job, no money!” I explained to them there are no jobs within 75 miles of where we live. They seem to be giving everyone a shafting. Something needs to be done about them! We were told as long as we had our forms in, they could not foreclose on us, but we got 4 threatening letters in 1 day, not to mention 1 everyday. They'd save a lot on just postage if they would do their job and go through with the help they're offering. I would love to get out from under this bunch of crooks. I do not see the light at the end of the tunnel. I called “Making Homes Affordable” and they seem to be trying to help. I was told that Nationstar was giving a lot of people the run-around. Someone, please shut them down before more people lose their homes!

Per the last person, I spoke with (Randy on 1/5/10) he stated my account as messed up from as far back at 6/2009. My last complaint started 12/7/09 and an adjustment was put in. It is now 1/8/10 and it still has not been adjusted to fix the error. As you can see, this is way past the 5 business days. I am trying hard to get my credit in good standing again, so I can apply for a new mortgage with a different company, but I feel that I am a victim here and they are keeping my credit looking bad, so I have no option but to stay with them. I feel that someone needs to take action against this company as they are taking advantage of people rather than helping them. I hope to soon get away from Nationstar. In the meantime, I request that their unfair business practices be looked into. Thank you!

They never informed of this, I only found out because my account was now in the delinquent status, so I paid them $661 dollars (the amount they said I needed to pay to get it out of delinquent) and they told me my account was now current. Then last night, I get a call saying I owe another 300 due to they are charging me a late fee for the months that I paid their trial payment! It makes no sense, they do not know what they are doing over there nor was I aware of any of this when they put me on a trial payment and now I am suffering due to them. Nationstar is the worst Mortgage company I have ever dealt with! GMAC sold my loan to them! Ugh, I have never been late on any payment ever either!

I am a lay person. But I got a life lesson. I had to get an attorney, because they are going to sell my house on 1-15-2010. I have to work fast and do what the attorney told us to do. I feel there is something going on with Nationstar after reading all the stories. It is not just happening to a few people. I was never told about their website and a hardship letter. They would not give me a copy of the paperwork that GMAC gave them. I worked in an office for over 18 years, and I would never treat people like this.

I have been in this home from 1974. Yes, we did have a hardship. Yes, we did got behind. But, I feel there is something going on with Nationstar for them to do this with so many people. I tried when I first got the letter from Nationstar in March 2009 to refinance. But I got all the other companies that wanted money up front before they would help. I could not come up with $3,000.00 to $4,000.00. We only have 1 paycheck coming in. Nationstar stated we make too much money. The last person I spoke to was Kelly. She said no and she would not put though a refinance. She would not give a reason.

Nationstar is out there taking down people. Why? I got my state rep involved. After coming across this site. I will be printing out the stories and faxing them to her to show her I am not the only one going though this. We have to work together. I will be asking my attorney to review the stories to see if she can do anything. I feel Nationstar wants houses. I have to find out why. If anyone wants to contact me, I am not going to let this go. It is my home.

We purchased a money order and sent it via FedEx overnight delivery. It was signed for on 12/7/09 at 8:27am. On 12/8/09, we were told they had not received it. On 12/10/09, we were told it was received on 12/9/09 and that it would be at least 3 days from when it was logged in at the right department. Now today, 12/14/09, we are being told that we will have it on Wednesday, 12/16/09. That is 8 business days. We spent $35 for a money order and $30 for FedEx.

This weekend, I had an email from another customer, whose loan had been sold to Nationstar; and she was speechless at the thought that she could not pay online but had to use Western Union to pay (and pay a fee to both Western Union and Nationstar). She has impeccable credit and had collection calls from Nationstar on the 3rd of this month for her December 1, 2009 payment. I am appalled at this company. I thought the bad seeds had been weeded out of this industry. It is very disheartening that companies like this still exist.

After over two months of negotiating and multiple phone calls, they granted us a one-year forbearance, which is about to expire leaving us in the exact same situation we were in a year ago. Additionally, in this year, they have misapplied two of our payments and neglected to fax me paperwork that I required for tax purposes. I had to call three times before they finally managed to do it correctly. This company is awful! I cannot even begin to describe how much stress my husband and I have had to endure simply because our mortgage was originally sold to this place. It should be very telling about how bad this company is that the very next link after their website when googling their name is a site listing the hundreds of complaints about them. Can we say class action lawsuit?

As of today, December 2nd, I have not received this check. I do not believe that it was mailed out at all. I have received no satisfactory answer to believe that a check was actually mailed. I believe that the company or some person(s) in the company has misappropriated these funds and Nationstar has taken a lackadaisical attitude to the missing funds. I, on the other hand, have obligated my personal funds and am in severe financial straits because of this anti-homeowner approach of Nationstar. I find it reprehensible that their accounting system is so lacking that it loses track of these funds and have no way of verifying where it went or who processed it. This is extremely irresponsible.

About two weeks after the agreement was settled, I received the letter from Flagstar stating my mortgage had been sold/bought by Nationstar and that everything would remain the same and that they would honor all of Flagstar's documents. Where it stands today is I have not paid my mortgage for October, November, and December. Nationstar is threatening and harassing on the phone with me and I have had enough of these jerks. I have done everything in my power from faxing and spending countless hours on the phone with these clowns, and nothing is working. I have all the documents including my forbearance agreement. I want out of this mortgage nightmare with these people. They have caused me nothing but stress and worry, and not to mention they have ruined my credit. If anyone can give me some advice or insight on this matter, I would certainly appreciate it.

So finally arguing with three different pinheads, I get a manager on the line who basically told me that they wanted to add extra two months of taxes and insurance in the escrow. He kept on telling me that GMAC had neglected to do that (LOL) and that they were just trying to fix the problem. I highly doubt that GMAC would overlook this type of thing. I am sure that at the closing table, I paid everything that I needed to close that loan. I told them that I could not come up with $400 and that since I am not in default in any way that I would keep paying the correct amount. They can pay my taxes with the money that I deposited each month. That was not good enough for them. They wanted me to refi or do a loan mod. Hell no! I can make my payments; I do not need a refi or a loan mod. They are just trying to sell services.

Stay away from this group! I am contacting the Attorney General of NJ and also NJ banking authority. This is extortion nothing less. Any NJ lawyers out there who want to sue a major mortgage bank, just call me at **. These people have to be stopped.

I am trying to consolidate my bills and get my house note down. They said I came to the right place and they would gladly help me with my situation. I am only asking some loan or mortgage company to help me lower my mortgage payment. I am not asking anyone to give me anything. I got myself in this mess, just someone who is willing to work with me in getting me out of it; meaning a lower payment and not at 16% interest. Consequences: terrible credit, praying for comfort and the sleepless phone call from Nationstar from 8am till 9pm; I work midnight. The latest news is my job was supposed to be ending at the end of the year. I still have faith in my Father who is in heaven, Jesus Christ, Father, Son and the Holy Ghost. May God bless us all. Thanks.

Also, the next payment that was made over the phone with one of their representatives was input into their computer with a mistake for one of the numbers in our checking account. Of course, the bank returned the check with no notification that the check was returned. My wife got a very threatening phone call saying that if we did not send them a MoneyGram, they were going to foreclose on our house. We did not send the MoneyGram. They will not accept our payment in any other form. They also said that we were a month behind on our payment because of the initial bill, which was doubled because of a software glitch.

I am actively seeking to refinance with any company other than Nationstar. I will settle for the same interest rates. I want out of the Nationstar system before they ruin our credit. There has to be something that I can legally do.

After several letters to Nationstar, in July 2009, I received a package with instructions to apply for "loan modification," which was submitted with the "first payment." Then I started to get phone calls that mortgage had not been paid! I advised the customer service rep that I had paid under loan modification plan. I again sent letters to the loan department, president of the bank, and research analyst department.

In September 2009, I was requesting assistance with the loan! I received a letter from Emily, a research analyst, asking me to provide "all the required" forms, and I was again provided another list of paperwork needed! Within two weeks, all was sent/faxed as per instructions. In October 20, 2009, I received a letter from Emily of Nationstar that states that since I had not followed up with the request to submit information to be considered for "loan modification," a second deadline was given to me of November 3, 2009.

On October 23, 2009, I again faxed all the required to two separate fax numbers given to me. I also e-mailed Emily and sent a hard copy (attention to her) by certified/return receipt! It seems to me that Nationstar has done all they could do to prevent giving me the opportunity to qualify for the "loan modification program." Finances have gotten so bad with me and my wife that I have quit paying credit cards and have only enough monies to pay the mortgage, utilities, and groceries!

I am both frustrated and scared to trust anything they say, but I am determined in one way or another to keep my house. I can't believe that no one can do anything about this situation. I am a single mom on unemployment and all they have told me this year is that they cannot help me until I get a job. I never realized until I got onto this site that others were going through the same type of thing with this company. Is there no help out there for us?

Today, I received a very threatening letter; to protect their interest, they are going to obtain insurance for me. I called and they want me to do their work for them by getting all the paperwork and faxing it to them. I informed them that my insurance company would be doing that. I was told that they don't always get all the info they need from the insurance carriers and if they don't get it all, they won't apply it and I still will be subject to this hell that Nationstar likes to dish out.

I am not going to continue to deal with a company with much incompetence in dealing with their own customers and to do the job. I never asked for them and if they are going to buy my loan, then they should do the job better and make it easier for me. I have nothing but false allegations and threats from Nationstar. Their telephone IVR system is a mess and you can never speak to anyone above a rep who answers the phone. They don't provide telephone numbers with the threatening letters so that you cannot call them to complain of the lousy job they are doing again and again. I am filing with the Better Business Bureau, state officials, and I will try to remortgage with another company ASAP.

Nationstar advised us at that time to resend the documents. I was so frustrated that I contacted FHA and they led us to another government entity. It appeared that whatever and whomever we contacted, Nationstar was always contacting us with phone calls about late payments. We are still in the house and Nationstar sends us various faux ways to modify our loan. However, there are stipulations in their programs that make it relatively impossible for any type of loan modification. So we are trying to sell and every payment is an act of God. Never in my 50 years life of dealing with people have I ever dealt with people like those at Nationstar. These folks are truly inept, living on the edge of ethics and law. I totally agree, there should be a class action suit against Nationstar.

It was signed for and received by the loan modification team. I was to wait 60 days to get an answer. I did and called them back and was stonewalled. Clearly, we need a class action suit to be sure they understand that they need to be honest and act in good faith. I called Fannie Mae and told them that Nationstar was uncooperative with the President Obama and Fannie Mae rules. Nationstar was placed on a list. They apparently feel that they can pretty much ignore everyone. We need to encourage them to change their mind. I hope my information has helped some people out there.

I don't want to refinance in this environment, but I would like to know if there are legal remedies to get them to apply payments correctly. I probably need an attorney to make sure that I get the payoff applied correctly in the future and that they record it properly. They are not trustworthy. The only good thing about the housing bust is that people will look more closely at their potential lenders and certainly will avoid this con game.

I do not understand how with my income at that time, $650 a month, a mortgage was given with payments that high. My debt to income ratio would have been 100% to Nationstar. They refuse to negotiate and put me into a fixed rate low interest rate. They never respond to letters asking for modifications. Instead I received a 20-day foreclosure notice addressed to occupants. After filing a response to complain, a sheriff then served me with a complaint to foreclose. This put me in dire financial straits, losing my home. I am disabled and distraught. I would like to see a lawyer resolve this on a contingency basis.

On June 1st, I called Nationstar (which I did after sending each of my payments, only to receive voicemail, which I left a message that my payment has been mailed) to ask when I would receive a new mortgage statement because I still have not receive a revised statement that shows the new interest rate and escrow payment. This was all outlined on the loan modification papers but I figured I would receive a regular statement. Instead, on June 1, 2009, I received a letter from Nationstar Mortgage stating that I had 35 days (from the letter date), to pay all outstanding payments (the months that I am behind) or they will begin the foreclosure process after July 1, 2009. Instead of hearing, "Everything is fine" (as I heard after the first month when I received the foreclosure notice and called Ditrik) I heard, "That program has been canceled and you have to apply for a new modification program." I couldn't believe what I was hearing! After making the three trial payments as well as my first payment for the modified loan, I was told that I was no longer in a modified loan and would have to send them the financials again so they could see what program I qualified for.

I looked up the SMP (Streamlined Modification Program) and found that it was replaced by another program, after they offered and I accepted this program. At no time during the trial period did Nationstar inform me that there was a problem. After my first payment, I called at the end of March or early April and asked why I was receiving the old statements that only showed a partial payment as well as had late fees. I was told that that was normal and to disregard everything I receive because I'm in the SMP and it will be modified after the three payments and just keep sending the trial payments. I have no idea what to do at this point. I have everything documented, copies of the modification agreement, the three payments as well as the first payment for June first. I even have the UPS tracking info to show I was not late. Instead, they said, "What part of this don't you understand?" Help!

I am at risk of losing my home after July 1, 2009 due to foreclosure. I am totally stressed over this and am physically ill. I may lose my job because I'm just not there because my mind is someplace else. I've been on the phone with several organizations trying to find help, but all of them only offer counseling and nobody seems to be able to get involved with the lender.

Meanwhile, I've had a contractor threaten to put a lien against my home and I drained my savings account to zero to pay him off just to keep from this happening. Surely someone out there can direct me to someone who can help me get my money. Better yet, they should be paying me interest or something. I have no money to hire an attorney "obviously". Because of this long drawn out situation, I am now behind on my house payment because I no longer have a savings account to fall back on.

There have been several professional people I spoke to that took the ball and attempted to get in touch with the right people via email. Now, I am in that OMG state... and do not know what to do. I certainly cannot make a $1600 payment on $200 a week. In fact, if I make even a close payment in the next 2 days (which I will), that leaves me with 5 dollars for 2 weeks. I mentioned if they do not have the staff - hire me - an MBA with 30 yrs experience. I will be happy to work to get people like me un-scared...

Then Nationstar changed my payments by $88.99 more. I called the company that does the bi-weekly plan and sends it to Nationstar. I asked what my bi-weekly payments would be. The person who was assisting me had no idea that the payments had changed. Nationstar never informed them of the changes. So now I have to pay an extra $88.99 for this month or they will hit me with a late charge. I know the company does not do the bi-weekly draft, but that is how my loan was set up with GMAC and I intend to keep it that way.

It seems that they are doing everything to make me drop my bi-weekly plan. Also when I spoke to the person in the escrow department, she was saying that they needed a two month padding. That's not how it was at GMAC.

Now almost two years later, they are continuing to call and harass me threatening me saying they will not go away and they are going to send someone to my work if I don't give them my new address. They are now calling and harassing my employer. I don't know what it is they are expecting from me. This is not a company that should be in business. They are extremely unprofessional. I have been in tears after talking to managers there. They tell me what a horrible person I am and they will not let me get away with walking away from my responsibilities. They are horrible!

So team shows I am able to give a good glancing over the documents which seemed in order, 6.14 at 30 fixed. Now the over all costs had gone up over a 100% from 4995.00 to over 11,000 dollars but with this being good for my brother's family and my having obligations in other places I remarked upon the increase and marked a document during signing. The complaints were to no avail in that at 12:00 that day my terms were up for renegotiation and signing time of course was 1:00 in afternoon. So as we moved on I had questions about different figures I saw in docs and all questions were fielded with the loan is 30 yr fixed at 6.14 and that there is a lot of legal mumbo jumbo that in the end says 6.14 at 30 yrs.

Well come 3 yrs later when I am notified about rate increase to 7.75 on an interest only loan I about had a stroke. In going back and looking at documents that signing team sent me 2 weeks after signing I must admit that they had spelled out the adjustable loan and the interest only. Their only mistakes were that no one took time to transfer my signature onto all of these docs, in that there were only 40% of documents that had my signature on them and during signing I either initialed or signed all pages. Low and behold the ones without signature were the papers that signified loan parameters that where nonexistent in the original signing.

So regardless at this time I start making exorbitant payments to Nationstar also known as Centex that totaled over 3,000 a month in the beginning and even higher as rate went up again. During this fiasco in was in a terrible accident putting me out of work for a yr with the possibility of never returning. At the same time my father was placed in a series of nursing homes due my inability to walk let alone care for him. These are homes that Kaiser only would pay for a week or two leaving me responsible for remainder. This went on for a year until I was finally making funeral arrangements and had returned to work. It was two weeks after my father’s funeral that I was notified that the rates would increase yet again after 1 and 1/4 years of steady payments at increased rates.

Needless to say at one point I was faced with decision of which bills to forgo and which to pay if I were to keep mortgage company happy. So this is what I had done falling behind on my home owners association dues and borrowing for funeral expenses and so on when all the sudden it had become too much I couldn’t do it anymore. So I called my mortgage handler and let him know I was done, that I was walking. No more than two minutes passed and he was returning my call asking me to hold on, we could work something out. So after negotiating a fee of 2600 hundred dollars he had been able to lower my mortgage back to original 6.14 and push all late and charges to back of loan and in six months we would revisit. Now keep in mind I had inquired many times on help or modification yet to no avail! Until I called saying I’m done!!

My thoughts are that upon review they saw that I was capable of paying more than double at one point my original mortgage costs and thought I was great candidate to sucker again once upon his feet. So I start with new payments but am forced to pay rather than at beginning of month the end of month right before 30 day late due the fact that I am still trying to catch up on all payments that had been set aside while paying exorbitant rates. Well no sooner does the president announce bail out than am I notified of rate increase after only 5 months of restructured contract. Well at this point regardless of mortgage I had a serious problem with home owners association in that they had sent me to collections as I had not paid them for 4 months during the height of my mortgage costs.

So upon going to collections and interest and lawyer fees being attached the bill neared 8,000 dollars. So as I try to resolve and settle with them but am ignored as lien is filed on my house to force sale. I have now ignored mortgage company for 2 months in that I can’t afford the increase so I am on track with paying off other loans and funeral and nursing costs. I finally get my homeowners association to agree to being paid by mortgage co. if I can restructure my loan so now I start contacting mortgage company whom I am told that they can probably work with me on all levels of problems in late home owners association and bringing rate down to reasonable amount.

Yet after notifying H/O I contact mortgage company to find that they can’t work with me due to time frame and that they would require a large payment in good faith of 3000 dollars that I wouldn’t be able to obtain until after my next payday which was of course was too late, in that they had to have it that day. Now call me paranoid but at this point I have zero confidence in their motives and keeping any promises they are to make. So even if I had it I am not sure I would send it without something in writing. Regardless I didn’t have it and when I bring up bail out or program by gov’t they have no knowledge nor do they have any help in finding any info. Their big fix for me at this point is to have a short sale. Another words announce to them I intend to short sell and upon doing so they have control over accepting offer or not.

I am not sure that they have any reason to want this control but it sure did leave big window for any offer I obtain to be refused yet now that I have made initial move in short sale that they could accept an offer of their choosing and possible origin. Like I said I don’t know that they have an angle here but these days I wouldn’t put it past them. So now that they are unwilling to work with me and they and myself have allowed to get to the end of time frame that there was a possible fix I guess I have two choices: look for a buyer in short sale so mortgage company won’t track me down for their losses on property or walk away and accept the losses at auction that mortgage company holds and charge back to me.

Contacted office on 6/3 and spoke with Kemo, requested he have Matts manager call me and never called. The processor handling my case was Chelsea Giles and she did a horrible job as she was in process of moving to new job within the company, so she provided no movement or updates on my loan. Next I was passed to Alisha G., who worked to get all necessary paperwork and get it into underwriter's hands. My problem with her is she gathered info and then went on a vacation from 6/19-6/24 and I could not receive any updates. I was forced to wait until 6/24 to receive the following: "the sales manager has the file right now, so I am not sure what the status is" and this is my latest update. I have had a couple of refinances, but never did one referred by the Lending Tree. This is truly the worst experience I or anyone could go through.

On 6/27/08 received call from Brian, the area manager and he spoke as though we would be setting closing date on Monday the June 30th, received no call and left message for Brian that has not been returned to this date. I then contacted Alisha G. Sr. Processor on Monday, June 30, 2008 1:51 PM and this is what she wrote back: " The file has to be reviewed by our underwriter her, once they have given the ok we will send it to our investor. The investor will then review it and make sure they have everything they need. This process could be another week or two before we can close."

I then sent following on 6/30/08 @ 2:14: "Is it possible for me to get clear, concise accurate information so I will know what is actually going on with this loan. Brian has stepped in and I am still receiving conflicting information on this loan. And now I am being told we are looking at another week or two, that is unacceptable. Please have Brian call me asap." Alisha's reply on 6/30 @ 4:12: "I just got your file back from the underwriter and they are not letting it go because the student loan isn't 1 year out and FHA requires it to be deferred for 1 year. You also need to make your June payment", and this is the last update or contact I have had. All this delay has caused me to be late on my June payment, which will affect my credit score if I try to work with someone else and then there is the time I have lost and the $495.00 I could lose.

Also, I had requested deferment for 1 year on my student loan and had it approved, but due to the handling of my file, the original deferment is outside of FHA guidelines and I have been requested to request addtional month or two to provide the year deferment again. I just really wish that the company would have been more honest and upfront with me about whether loan would go through or not and not lead me on for so long. I don't want anyone else to be taken advantage of or treated as I have. On 7/17/08 received call from Holly F., (FHA Operations manager) advising she was sorry and explaining that the group that was handling my FHA refinance request was inexperienced. Now, after over 2 months and I received a call to be told that.

I can't begin to express the emotional stress and frustration I have endured during this whole entire ordeal, but I have never once been disrepectful to anyone I have dealt with. The economic damage that has resulted is this has caused me to become late with my mortgage payment for June which in turn damages my credit score. I worked with credit repair agency to put myself in position to better my credit score in order to get the best interest rate so I could refinance my home and eliminate some of my debt. This is totally destroying all that I worked to accomplish. And this senseless delay and incompentence has caused me to miss out on other possible refinance opportunities.

Mr. Derek Taylor took my call. He once again told me that all their morgages had a prepayment penalty and that if I looked through my contract I'd find it. I once more explained that we had questioned the agent about this and he had assured us there would be no prepayment penalty. He said that he could not take my word for it and that he could go by nothing other than the contract. When asked if I could speak to his supervisor he informed me that he was the only one who could help me. Then, he said he would review my contract and get back to me within three business days which would be on Monday, April 8th. Needless to say, he has not returned my calls. Since then I have sent an email to the customer service representative but have yet to receive a reply.

My husband and I have since reviewed the contract and did find a prepenalty clause ... one that states that there MAY be a prepenalty fee and that we are to discuss that with our agent...

which of course we did. In all probability, we might have signed that paper feeling we had done our part in our negotiations.

Another complaint that we had against the company was that we have never received our home appraisal documents. Again, I have to admit that after I sent a letter requesting it (within the thirty days as per our contract) and several phone calls, I did let the matter die... Thinking back on it now, I should have realized then that we were dealing with a company that was going to be a problem.

Please be very careful dealing with this company. They are obviously one of those mortgage companies that are practicing deceitful tactics and ploys in order to get your business.

Besides the fact that we are paying the prepenalty payment (only $155.99) we have not really suffered any real damages. It is more the principal of being treated in such a manner that is so irksome and also the chagrin of having been so stupid to believe that we were being careful consumers dealing with reputable agents.

This past year we have had several financial difficulties due to the economy. My husbands job fluctuated in pay for several months and we fell behind. We made several attempts to make a mortgage payment in a half to Nationstar to save our house, but we were informed 4 weeks ago that our first mortgage was going adjustable in July and our mortgage payment would go up more than $400.00 our rate from 7% to now 10.55%.

I called Nationstars' Fannie MA refinance division in hopes that they may be able to help with the ARM problem. The first person I spoke to about refinancing call me back several days after putting in paperwork and tole me that there was nothing they could do, that my husbands score was 7 points away from refinancing and they could not help. I got a call about a week later from a woman named Ebony who also said she was from Nationstar's refinance department. I told her that we had already spoken to someone and they had told me that they could not help us. She explained to me that she was from ANOTHER refinance department within Nationstar and she really thought she could help.

I told her that if they could not refinance us we would most definitely have to let the house go to foreclosure. She contacted me for several days to get information, and they one day I received a voice mail stating that she could not help, but that we needed to make the mortgage payments for another year before they could help us. At this point our house is heading into their legal office and will be going to foreclosure. I am amazed at how many lenders have done this sort of thing to people and I can see right now why foreclosures are at an all time high. The bank would rather sit on a house that they are not going to be able to sell rather than help the homeowner make things work.

We are losing our home.