Log inRegister
Submit Complaint

Nationstar Mortgage

United States,
Texas

Consumer complaints and reviews about Nationstar Mortgage

Struggling Also Send email
 
Mar 13, 2012

foreclosure issues

Yes agree!! Been there back and forth with them...
1-DO NOT fax to them, request and email address only!!!
2-start with http://www.makinghomeaffordable.gov/pages/default.aspx
going thru this helps make it legit that the mortgage company HAS to comply to!!!
Stand your ground, because it is your home and your hard earned money!!! If they say they want to move one or more of your monthly payments to the end of the loan let them, but make sure they do not mess with your interest rate unless they are decreasing it ONLY!! Any points ...bargin to get those OFF the loan also!!! Watch everything you are signing and that it what was discussed and agreed upon!!!
Our modifications with them in usually took 2 to 4 weeks to complete. If not getting answers ASK for a supervisor or manager...get direct line phone numbers from your contacts. No main number with extensions!! Be persistant and don't expect them to call back on time, but some will, but BUG the heck out of them!!! Good luck and hopefully your outcome will be a favorable one!!!
Keith Cabaniss Send email
 
Mar 7, 2012

Fraud MHA NON COMPLIANCE

VERIFIED COMPLAINT FOR WRONGFUL FORECLOSURE
AND JURY DEMAND

Introduction: This complaint alleges inter alia that Nationstar Mortgage wrongfully foreclosed on real property commonly known as 81 Greystone Trial, Black Hawk, Colorado, 80422. Specifically, Nationstar repeatedly and falsely told Plaintiff that his loan modification was either in-process or had been approved, failed to inform plaintiff that his loan-modification application had been denied, and that this failure prevents plaintiff from exercising legal rights, including but not limited to, Chapter 13 bankruptcy, that would have allowed him to retain title to his home, which he largely built with his own hands.

Plaintiff, Keith Cabaniss, pro se, for his complaint against Nationstar Mortgage, swears and affirms that:

1. Defendant, Nationstar Mortgage, is a national mortgage lender that has transacted business in the state of Colorado.

2. Plaintiff, Keith Cabaniss, is an individual who resides in, and previously owned and occupied real property located in Gilpin County, Colorado.

3. The real property that Cabaniss previously owned has a common street address of 81 Greystone Trail, Black Hawk, Colorado, 80422 (the “Home”).

4. The Home is known as parcel no. 1711-031-01-213, in the public records of Gilpin County, Colorado.

5. The legal description of the Home is:

S: 3 T: 2S R: 72W Subd: LA CHULA VISTA RANCH Block: 002 Lot: 013A & IMPS A TRACT OF LAND CREATED BY BLE 04-09 RECPT #122305 & CORRECTED BY BLE 04-09A RECPT #124137 FORMERLY KNOWN AS BLK 2 LOT 13 & EAST 1/2 OF LOT 18.

6. Cabaniss was the first owner of the Home.

7. The Home is located in the mountains of Gilpin County, Colorado.

8. The Home has a unique and spectacular view of the Continental Divide and Longs Peak.

9. Cabaniss designed the Home, and largely built and finished it with his own hands.

10. Cabaniss purchased the land on which the Home resides in November, 2003; built the home from July 2004 through January 2007; and completed its interior and first occupied the Home in January 2007.

11. On May 25, 2007, Cabainss signed a promissory note to Nationstar for the amount of $230, 431.01 (the “Note”).

12. The Note was secured by a Deed of Trust on the Home.

13. Nationstar filed an action on January 17, 2008, to recover title to the Home by having the Gilpin County Public Trustee conduct a public sale of the Home (the “Foreclosure”).

14. On information and belief, Nationstar did not own the Note or hold the corresponding Deed of Trust when it filed the Foreclosure.

15. On information and belief, Nationstar sold the Note and had previously assigned the Note and/or the corresponding Deed of Trust at the time when it filed the Foreclosure and thereafter.

16. On information and belief, Nationstar acted only as the servicer of the Note, i.e. Nationstar did not own the Note, but contracted with the Note’s owner to administer the Note, including to collect payments made on the Note.

17. From January 2008, when Nationstar filed the Foreclosure, through mid-February 2010, Nationstar consistently and repeatedly postponed the sale date in the Foreclosure action.

18. Cabaniss entered the Streamlined Modification Program Loan Workout Plan (“SMP”) February 19, 2009.

19. Nationstar’s agent, Vessia, told Cabaniss on February 27, 2009, that his SMP modification had been approved.

20. Cabaniss made one payment under the SMP.

21. Thereafter, Nationstar called Cabaniss and informed him that SMP had been cancelled, and Cabaniss would instead enter a Trial Period Plan under the Home Affordable Modification Program (“HAMP”).

22. Cabaniss entered HAMP in August 2009.

23. HAMP requires that applicants complete a three month trial period by making the payments that would be required under a proposed modified loan terms. If a HAMP participant makes these required trial-period payments, the participant’s loan may be modified to reflect the trial-period’s payment terms.

24. Cabaniss timely made his August and September payments under HAMP.

25. Cabaniss pre-paid his October HAMP payment with his September payment.

26. In September of 2009, Cabaniss called Nationstar to ensure that it had received his August, September, and October HAMP payments.

27. By timely making his August, September, and October payments to Nationstar, Cabaniss successfully completed the HAMP trial period.

28. Assuming that Cabaniss met other HAMP program requirements, Cabaniss’ successful completion of the HAMP trial period entitled him to have his loan modified in accordance with the trial-period payment terms.

29. Nationstar confirmed to Cabainss that (a) it had received his August, September, and October HAMP payments; and (b) it was sending his plan to another Nationstar department to draft new loan documents for Cabaniss’ new and modified HAMP loan.

30. Cabaniss’ HAMP loan-modification application was denied on or about Septmber 28, 2009.

31. On or shortly after Cabaniss’ HAMP application was denied, Nationstar knew that Cabaniss’ HAMP application had been denied.

32. Nationstar did not notify Cabaniss that his HAMP application had been denied.

33. Nationstar was required to notify Cabaniss that his Hamp application had been denied.

34. Cabaniss did not receive new HAMP loan documents from Nationstar.

35. Cabaniss did not make further payments to Nationstar while he was waiting to receive his new HAMP loan documents.

36. Nationstar consistently told Cabaniss that his new, modified, HAMP loan documents were in progress. The communications between Cabaniss and Nationstar, include, but are not limited to the following communications:

a. Cabaniss called Nationstar on December 10, 2009, and informed it that he had not yet received any new, modified, HAMP loan documents. Nationstar informed Cabaniss that it was "still working to prepare new loan documents, could take another month."

b. Cabaniss called Nationstar again on January 26, 2010. He informed Nationstar that he still had not received the new, new, modified HAMP loan documents. Nationstar told Cabaniss that “everything is ok.”

c. At the time Nationstar made the statements in the immediately preceding paragraphs (a) and (b) to Cabaniss, Nationstar knew that these statements were false.

37. On or about four days after the January, 26, 2010, telephone conversation in which Nationstar told Cabaniss that “everything is OK, ” Nationstar set a sale date for the Foreclosure.

38. The Gilpin County Public Trustee held a Public Trustee’s sale of the Home on February 25, 2010 (the “Foreclosure Sale”).

39. February 26, 2010, was the last date on which Nationstar could schedule the Foreclose Sale without having to file a new action to request a Public Trustee Sale of the Home.

40. At the time of the Foreclosure Sale, Cabaniss had no notice that Nationstar intended to continue with the Foreclosure.

41. Prior to the Foreclosure Sale, Nationstar provided no notice to Cabaniss that Nationstar had set the Foreclosure Sale, or that Nationstar otherwise intended to proceed with the Foreclosure.

42. Cabaniss learned of the Foreclosure Sale on March 3, 2010, when he discovered a notice that Phil Heter, a Denver-based repossession/eviction processor and REO broker, that Fannie Mae now owned the Home.

43. If Cabaniss had had notice of the Foreclosure Sale, he would have been able to exercise legal rights, filing a chapter 13 bankruptcy petition, which would have allowed Cabaniss to prevent the Foreclosure Sale and keep the Home by restructuring his debts and becoming current on the restructured Note over time.

44. After Cabaniss learned of the Foreclosure sale, he again called Nationstar. On March 9, 2010, Cabaniss spoke with Thomas Brown of Nationstar. Cabaniss asked Mr. Brown to have Nationstar rescind the Foreclosure Sale because Nationstar had (a) failed to provide Cabaniss with any notice that it was proceeding with the Foreclosure Sale and (b) had made multiple misrepresentations to Cabaniss regarding the status of his HAMP modification and of his Note to Nationstar.

45. Brown and Cabaniss went through Nationstar’s records of the communications between Cabaniss and Nationstar.

46. Brown stated that Nationstar’s records of its communications with Cabaniss comported with Cabaniss’ own records of these communications, which are reflected in the preceding paragraphs of this Complaint. Brown also confirmed that Nationstar had not notified Cabaniss of the Foreclosure Sale or of that Cabaniss’ HAMP application had been denied.

47. Despite his concurrence with the facts as Cabaniss presented them, Brown and Nationstar refused to rescind the Foreclosure Sale. More specifically:

a. Cabaniss asked Brown, “What Happened?”

b. Brown responded, "Something transpired."

c. In response to further questions from Cabaniss, Brown would not reveal what transpired, refused to rescind the Foreclosure Sale, stated that he was going to terminate the telephone call, and then hung up.

48. On May 17th, Cabaniss held a conference call with Geraldo Hernandez of Nationstar and Jeff Plaine of Money Management (a HUD-certified loan counselor).

49. During this May 17th conference call, Hernandez again affirmed that:

a. Nationstar’s records of its communications comported with Cabaniss’ own records of these communications, which are reflected in the preceding paragraphs of this Complaint;

b. Nationstar did not notify Cabaniss that his HAMP loan-modification application had been denied.

c. Nationstar did not notify Cabaniss of the Foreclosure Sale date or that Nationstar was proceeding with the Foreclosure Sale.

50. On May 20, 2010, Cabaniss spoke via telephone with Chelsea of Nationstar Mortgage’s legal compliance department in Dallas, TX. He asked why Nationstar proceeded with the Foreclosure Sale despite having informed Cabaniss that “everything is OK.”

a. Chelsea responded that there had been a "miscommunication between [Nationstar’s] Loss Mitigation and HAMP department[s]."

b. Thereafter, Cabaniss asked Chelsea "Why am I being held accountable for miscommunication within Nationstar?"

c. Chelsea responded, “There is no explanation."

First Claim for Relief
Wrongful Foreclosure

51. Cabaniss repeats and realleges all preceding paragraphs.

52. Nationstar’s Foreclosure Sale was wrongful.

53. Cabaniss has been damaged by the wrongful Foreclosure Sale.

54. As a result of the wrongful nature of the Foreclosure Sale, the Foreclosure sale should be rescinded.

Second Claim for Relief
Breach of Contract (covenant of good faith and fair dealing)

55. Cabaniss repeats and realleges all preceding paragraphs.

56. As part of the Note, Nationstar had an obligation to deal fairly and in good faith with Cabaniss in its efforts to enforce the Note.

57. Nationstar did not deal fairly and in good faith with Cabaniss in its efforts to enforce the Note.

58. Cabaniss has been damaged by Nationstar’s lack of fairness and good faith in an amount to be determined at trial.

Third Claim for Relief
Fraudulent Non-disclosure

59. Cabaniss repeats and realleges all preceding paragraphs.

60. Nationstar represented to Cabaniss that (a) his HAMP loan application was in process; (b) he would receive new loan documents from Nationstar that complied with the term of the HAMP trial period that Cabaniss had successfully completed; and (c) Cabaniss’ loan from Nationstar and the processing of his HAMP application was “OK.”

61. Nationstar’s misrepresentations detailed in paragraph 60 above are false.

62. At the time that Nationstar made the representations details in paragraph 60 above, Nationstar knew or should have known that these representations were false.

63. Nationstar made the representations detailed in paragraph 60 above with intent that Cabaniss rely on these representations.

64. Cabaniss relied on Nationstar’s misrepresentations to his detriment.

65. Cabaniss has been damaged by Nationstar’s misrepresentations and his detrimental reliance on these misrepresentations in an amount to be determined at trial.

Fourth Claim for Relief
Fraudulent Non-disclosure

66. Cabaniss repeats and realleges all preceding paragraphs.

67. Nationstar had a duty to disclose to Cabaniss all material facts that were relevant to the Foreclosure Sale before the Foreclosure Sale proceeded, including, but not limited to, the fact that the Foreclosure Sale was proceeding and that Cabaniss’ HAMP loan-modification application had been denied.

68. Nationstar failed to disclose the material facts detailed in paragraph 67 above to Cabaniss.

69. Nationstar’s failure to disclose the material facts detailed in paragraph 67 above to Cabaniss was willful and intentional.

70. Cabaniss has been damaged by Nationstar’s willful and intention non-disclosures in an amount to be determined at trial.

Jury Demand

Cabaniss demands a trial by jury.

FOR THESE REASONS, the Court should vacate the Foreclosure Sale, restore title to the Home to Cabaniss as title existed prior to the Foreclosure Sale, award Cabaniss economic and punitive damages, award Cabaniss all costs and attorney fees incurred in this action, and award Cabaniss all such further relief that the Court deems as is just, proper or appropriate.
Newman1 Send email
 
Mar 7, 2012

Fraud MHA NON COMPLIANCE

wow thank you for sharing. nationstar sucks.
Mad Homeowner Send email
 
Feb 29, 2012

load mod scam

My husband was unemployed most of 2010. We contacted Nationstar before we fell behind on the mortgage for any helpful options. We either made too much or too little depending on the offered programs (while on unemployment which was quite a paycut). We managed to make it thru 2010 with no help from them. By September 2011 we were 60 days behind on the loan. We received a trial payment offer in the mail that same month stating that if we made all 3 new payment amounts on time our loan would be modified. We did make the payments and in December 2011 we received the offer package that said our loan would be permanently modified. We sent the package back and made our new payment amount in January and February 2012. Now we have received forclosure notice. When we contacted Nationstar, we were told differenct stories, depending on who you talked to. Simone Browne said the new loan was not approved and could not give me a reason why. Mr. Crowe told us it was just a system error on Fannie Mae's side and would be corrected. He also stated that they have several hundred accounts right now with this problem. He told my husband he would check on this and call back the next day. We did not hear from him as promised. My husband finally reached him 2 days later and now he says Simone was correct and the loan mod was not approved. We are disgusted with this company. I think they are scamming people. I googled complaints about them online and there are hundreds of stories out there about this pitiful company. We will be researching what our options are.
Goczo379 Send email
 
Feb 29, 2012

load mod scam

Please let me know what your outcome is. I am in the same situation with these scam artists. They do absolutely nothing to help you.
Your Mom Knows Best Send email
 
Feb 29, 2012

load mod scam

The root cause of your problem is your inability to uphold the terms of the loan that you agreed to.
Patsy Gross Send email
 
Feb 23, 2012

Bad Customer Service/Rip offs

With all the complaints against this company this seems usless. Bank of Ameica sold our Mortgage to Nationstar in December of 2011. First they did not pick up a November payment made to Bank of lAmerica and so charged us a penalty. I sent them a copy of the check and that fixed that. Then I went to their Dallas office and spoke to Ryan a Manager who promised to straighten things out and gave me his straight phone nummber. He was leaving town for 3 days and left me a number for Jose to call. l called Jose 3 times and he never returned my call. Three days later I called Ryan who was supposed to be back. As of today I have called him 8 times and never received a return call. I then talked to Thomas LeFluer who assured me everything had been taken care of and he would send me a breakdown of the paymets. I had previously received a breakdown and the last payment they added the principal to the note instead of subtracting. Mr LeFluer assured me this would be sraightend out and he would send me a breakdown with the corrections. That was 10 das ago and I still have had no answe. What do I do now continue to let them add the principal to the note. Who can help?????????????????????????????????????
Learning There Way Send email
 
Feb 23, 2012

modification loans

were in pretty much the same as all of you we watched and learned talk with millionare friend who told me i was stupid for trying to do what we all say is the right thing to do is pay and live threw it my advice is stop paying on loan give up let them take house stay in house for about two years save money bank as much as you can then buy better house for less money bottom line play the way they do time for you to take advantage this time
Tony R. Hogan Send email
 
Feb 23, 2012

Bad Customer Service/Rip offs

Vermin indeed! This company recently purchased our mortgage. In mid-January of 2012, they sent us notice that our adjustable mortgage was to increase in March of 2012. The problem lies in that they had used the wrong index to calculate this increase. On Jan 31st, 2012, I contacted them and spoke with Arlene who said that a research request would be sent and that I'd have a resolution within a week. Nearly 10 days later, on 2/8/12, I called again to check status and was told by a man named Chase that thee was no record of any request being sent for research on this matter. Then, he just repeated the steps that were taken in my 1st call to them. I pressed Chase on the matter, saying that everytime I hang up the phone with them, I risk losing 10 days with nothing being done. I was hopeful that I could get deeper than the Customer service rep to try and get some resolution, as the date of mortgage adjustment was rapidly approaching and there was no time to waste. I was refused and it was made clear to me that there was no other course of action for me to take except for waiting for the request to take it's course. Subsequent to this issue, I have discovered that Nationstar has made an error in my mortgage interest reporting to the IRS, causing me to expend as of yet unknown effort in making corrections onn that issue, as well. The mortgage adjustment error is over $100 monthly, and the IRS error appears to be in the $5, 000 range. Have filed a complaint with the Better Business Bureau and will be contacting our states attorney general.
Rhnull Send email
 
Feb 23, 2012

Bad Customer Service/Rip offs

If Chase is the same Chase Scott that gave me the runaround, then you probably will not get any help from him; that goes for any other of their Customer Service Reps. I did not even begin to get any sort of satisfactory service until I directed my complaints to the new CEO, Mr. Jay Bray. Also you might want to contact Mr. Robert Appel, Executive VP of Servicing.
Jay. Bray@Nationstarmtg.com 469-549-2000
Robert..Appel@Nationstarmtg.com 469-549-2000
JohnsCreek Send email
 
Feb 23, 2012

Fees & Rates

Had a great loan company originally through a great bank, then SURPRISE - got hit that it was sold to this HORROR FEST of VERMIN. No customer service skills, unreal fees for UNKNOWN reasons, cannot get anyone to give a consistent answer and 'BECAUSE THAT IS THE WAY WE ALWAYS DO IT" is not a logical answer to a "why" question. This company exercises unethical lending practices, will not release my documents, will not allow me to refinance with a reputable lending institution, refuse to remove fees that are not legitimate. Why can these people still exist? They are servicing $92 billion in loans, but are worthless people and stealing from customers.
Tony R. Hogan Send email
 
Feb 23, 2012

Fees & Rates

This company recently purchased our mortgage. In mid-January of 2012, they sent us notice that our adjustable mortgage was to increase in March of 2012. The problem lies in that they had used the wrong index to calculate this increase. On Jan 31st, 2012, I contacted them and spoke with Arlene who said that a research request would be sent and that I'd have a resolution within a week. Nearly 10 days later, on 2/8/12, I called again to check status and was told by a man named Chase that thee was no record of any request being sent for research on this matter. Then, he just repeated the steps that were taken in my 1st call to them. I pressed Chase on the matter, saying that everytime I hang up the phone with them, I risk losing 10 days with nothing being done. I was hopeful that I could get deeper than the Customer service rep to try and get some resolution, as the date of mortgage adjustment was rapidly approaching and there was no time to waste. I was refused and it was made clear to me that there was no other course of action for me to take except for waiting for the request to take it's course. Subsequent to this issue, I have discovered that Nationstar has made an error in my mortgage interest reporting to the IRS, causing me to expend as of yet unknown effort in making corrections onn that issue, as well. The mortgage adjustment error is over $100 monthly, and the IRS error appears to be in the $5, 000 range.
Ashley/Billy Send email
 
Feb 23, 2012

Fees & Rates

This place is horrible. IF I do not pay my house payment on the 1st they will call me every day sometimes up to 10 times a day. They even call is at 9 pm at night. I hate this place. Then they charge us fees for calling us. Everyone needs to stay away from this place
ELIZAB1234 Send email
 
Feb 23, 2012

unauthorized use of bank account

i am very disappointed in this company. my father has a current account with them. i do help my father once in awhile in paying his mortgage thru my banking account with bank of america. i had a associate call my number that my dad needs to make a payment will i had agree on that one payment. i had informed them it is only one payment. i had told them they may not used it for any other futher transacations. i had informed them by e-mailing my father account online. a week later after informing them i had a transacation on my bank of america account for another payment. i had called and e-mailed them again. i had called my bank to informed them. they send back the check and gave back my $35.00 dollars on the over drafted fee. know as of today they tried it again sending in the payment. i have e-mailed this company nationstar mortgage but they still do it. it is sad i am not on my father account at nationstar mortgage nor is my father on my account at bank of america. i had already file a complaint with the federal trade commission. signed off elizabeth valdez corpus christi texas
Ronald Campbell Send email
 
Feb 23, 2012

unauthorized use of bank account

I agree with nearly all complaintants. Nationstar debited additional escrow funds from my bank account without proper notice or authorization. They caused my account to be overdrafted for nearly $350. Modification attempts went without any valid consideration even with documentation (decrease in income) . My loan was sold to them from Flagstar. I have never been treated this bad by any of my creditors in my 67 years on the planet!!
Wjmfool Send email
 
Feb 23, 2012

Escrow account

I have fought with them over the escrow account. First, they charged for insurance (flood an homeowners) because they said we didn't have it. We did. I then tried to get them to credit the account. I verified that they were sent copies of the declarations page several times. Now, another fight is brewing. They added $200 to the monthly amount and also said I owed another $2000 this month. The dimwit said it was to the escrow account. I asked how could I owe that much if I have been paying it monthly. They also charged a double amount for the property tax. I did get that one corrected. I am now waiting for a printout of the escrow account since the beginning. After reading all the complaints I have a bad feeling. I am so sorry I for lying down with these pigs.
Jester Jett Send email
 
Feb 23, 2012

Escrow account

hate this company after 6 full months of their crap!!!
Land Shark Send email
 
Feb 23, 2012

Fraud, breach of contract, organized crime

These phonies sent me a ALT Loan MOD to sign and return to start my new payments. They are trying to get out of the contract they sent me and asked me to sign. I have made all the payments according to the agreement. They want me to start all over again. They lie over and over again. Their representatives are idiots, all of them. PLEASE CONTACT ME IF YOU ARE PART OF A CLASS ACTION SUITE AGAINST THIS COMPANY. They are like organized crime. If you have a problem with these morons, contact me so that I can assist you in dealing with them. I have contacted the FBI, AG office, house representative, fnma and if that does not work I plan on filing suit.
Beth Whaby Send email
 
Feb 23, 2012

Fraud, breach of contract, organized crime

My husband has been saying since they bought our loan that we are being scammed and he wants to pursue this with a lawsuit! We feel we are being grossly over charged and they keep saying our escrow account is short and we found out that our Homeowners insurance was lapsed because Nationstar never paid them!! I sent emails and faxed the bill showing them it needed paid and they claim they never received it! WOW!!! Please feel free to email me regarding this, my husband is so anxious to speak with someone who has gone through something similar Puddinpoo2002@yahoo.com
Youbemenow Send email
 
Feb 23, 2012

predatory lending practices

I aslo was taken in with this modifcation crap. My mortgage was with Sun trust which was sold to Nation Star. I started this modifaction 3 1/2 years ago with Sun Trust when my fiance was laid off and noticed how i was falling behind. Needless to say 3 years of trying to be modified pay this pay that in which nothing was applied to the loan.Then It was sold to Nation Star so all over again it starts fill this out file this so on and so on till they stop taking the payments only to find out I owe 28 months of payments according to statements but when I Call I owe 15 months.Now I am finally on a trial peroid in which my payment is $73.00 less then the original mortgage which I can afford - NOT - according to them I have to pay double payments cause of the lengh of time.Cool huh every 2 weeks i get a notice from them now I'm schuled for an Estate Sale and you know what my trial payment didn't even begin.
Bobby Ingram Send email
 
Feb 23, 2012

modification loans

My wife and I are having nightmares while trying to deal with Nation star. We are with the making home affordable program, in which our payment is still unaffordable and we are so upside down with our mortgage! To make matters worst my wife lost her job due to an injury. We called the company continuously to plea for help and ask for an in home modification with the hopes of lowering our payments to our affordability but with no avail. We spoke with a representative by the name of Jake who stated to us “unless your husband is dead or disable there is nothing else we can do for you.” This is just one of the many problems we have had dealing with Nation star. Is there ANYONE out there who can help? We are a family of 5 and our home is all we have left. I can be reached by email at ldray34@yahoo.com
DON THOMAS Send email
 
Feb 23, 2012

ESCROW-HOMEOWNERS INSURANCE

Good Morning Russell,
I am not happy with the service that I have received from you or your company at all. I have left repeated messages on your voice mail, and have talked with your company several times regarding this matter of being charged your property insurance rate. Your company states that you record every conversation. Why don't you have your company do a little work here (YES, IT'S CALLED RESEARCH) and go back to January conversations that I had with YOUR LOAN MODIFICATION DEPARTMENT. You will then learn that I did exactly what your loan department said to do. Make my monthly payment, and everything would be taken out of this payment for the house payment, homeowners insurance, and taxes (escrow costs). AGAIN FOR YOUR INFORMATIN- I followed through on my end by what YOUR representative said, "Get homeowners insurance, I DID, verify was sent, I DID, then verify it was received by the Nation star Insurance Department, I DID". It just amazes me that if YOUR company representative tells a customer something that your company does not stand behind what your COMPANY REPRESENATIVE say to its customers. Then you pull some crap off some line somewhere in the loan modification or your insurance contract in the fine print that contradicts what YOUR COMPANY REPRESENATIVE SAYS TO IT'S CUSTOMER. I'm not a lawyer, nor want to be. Nor do I think I should have to be to have to read every line of every sentence in a LOAN MODIFICATION OR YOUR COMPANY HOMEOWNERS INSURANCE POLICIES & REQUIREMENTS. As a customer, I ask the questions, get the answers, and I did what I was told by your COMPANY REPRESENATIVE!!

When I have called you, I don't get a response back. When I talk to your company, they have been rude and not helpful at all. Every time I call, I get a different answer or response to this issue, depending who happens to pick up the phone at your company and talks with me. So where is a customer to go if every time a customer calls your company and gets a different answer?? It's definitely not you, as you don't return calls. It's not about the $1, 200.00 you are charging me for not having the homeowners insurance (AS YOUR COMPANY STATES). I did what your representative said. It's about the integrity of YOUR company (THAT'S YOU-NATIONSTAR MORTGAGE) having your representatives making FALSE STATEMENTS to customer, and we are stuck paying for your misrepresentation of information.

So where does the money go if I'm making my monthly payments and you're not paying for my homeowners insurance? I sure have not gotten an answer from your company on this. I have asked them many times.

I am forwarding this information onto the Better Business Bureau as a Black Mark against Nation star. You leave me no choice in this matter. I am also filing a formal complaint with your company. I am sure Nation star doesn't really care, and I won't get a response, as you have proven this to me. Also, I will let all my business friends know about the shady service that Nation star represents.

I'm just a small guy in the big picture. But I do know business. I was a District Manager and Vice President in the Sporting Goods Retail world for 22 years. Now I'm just a Commercial Electricity Manager working in 16 states. So Yes, I do know about Business Integrity, and doing the right thing for my customers. This is something that Nation star Mortgage has no idea about, and does not care.

Sincerely,
Don Thomas
2027 Bishop Hill
Frisco, Texas 75034
1-469-237-9183 cell
dontthomas@yahoo.com


-----Original Message-----
From: Russell.Randall@assurant.com [mailto:Russell.Randall@assurant.com]
Sent: Monday, October 12, 2009 1:52 PM
To: Don Thomas
Subject: Homeowner's Insurance Lapse In Coverage


Mr. Thomas,

I apologize for not being able to reach you by phone. It may be easiest to
Communicate with you via email regarding your question with your recent
Loan modification and insurance lapse in coverage. The communication we
Have received from the Nationstar corporate office is that according to the
Terms of your loan modification, referred to as a cap modification, it is
And was required that you maintain your homeowner's insurance until the
Loan modification was processed completely. The loan's escrow conversion
For homeowner's insurance was not completed until June of 2009. At that
Time, several attempts were made to contact your agent for current policy
Information but were unsuccessful. We did finally receive policy
Information from your carrier in August of 2009 at which time, we updated
And paid the remaining balance due on the policy. According to the terms
Of your modification, the charges for the lapse in insurance coverage were
Your responsibility.

Unfortunately, these charges will remain on your account.

If you have any further questions please do not hesitate to contact me.

Thanks and have a great day,

Russ Randall
Manager
Insurance Processing / Customer Service
Nationstar Mortgage, LLC.
(937)525-8641 (Office)
(937)324-6552 (Fax)
russell.randall@assurant.com
Nationstarwillscrewyouover Send email
 
Feb 23, 2012

ESCROW-HOMEOWNERS INSURANCE

I could not agree with you more! You definitely summarized NationStar very well when you said they DON'T CARE. I have yet to have a manager/supervisor call me back. I have never dealt with a company as unprofessional as NationStar. And the general attitude of most of the representitives is the same: CONDESCENDING! I feel for you and I really hope you got refinanced with someone who will at the very least act like they care. Good luck!
Amy Send email
 
Feb 23, 2012

predatory lending practices

Nationstar mortgage's decpetive lending practices, loan modifications, and customer service sacams can be seen all over the internet, I am just one of many who personally sufferered, and am losing my home due to thie "loan modification" scam, adding unneccsary insurance, late fees, other fees that just appear, and no one can tell you what they are for. I could write a book about all they have done, including, when they were trying to call me, called my friend (who I guess I listed on my mortgage application) to try to get a hold of me, but then told my friend I needed to call her (the customer service agent) back because she wanted to offer me a job, acting like she was calling for a job reference. Also, after doing a loan modification, a month later getting a re-newed bill amount 2 times higher than what we had agreed on for the "modified amount", beacuse they decided to escrow our taxes, which we had been paying through the county. And, telling me, after calling the :hope now" program, and they referred me back to Nationstar, nationstar told me they "were not participating in this program". Like I said, I can go on and on, but I beleive that most of what they've done is either illegal, or unethical, probably both. Feel free to contact me amymiguel@aol.com
Cmhpm Send email
 
Feb 23, 2012

predatory lending practices

Well I have to agree with everyone here. They are a company that doesn't pay contractors who do work on homes they are involved with. I've been trying to collect well over $2000 for work that was completed over three months ago.
Next step is filing a complaint with the BBB, state attorney general and state real estate commission against this company and the realtor who ordered the work!
Just a quick warning. If you want to get ripped off then do work and deal with this company. If not, RUN very fast the other direction as quickly as possible!

Complaint Registration Form

    Information of the Company you are complaining about
    Subject of Complaint
    City (optional)
    Complaint Details
    Attach photos (optional)
    Confirmation code

    Submit

    Recently Updated Complaints

    Award Notification Commission - Fake winning letter
    I received a fake letter today stating that I won...
    Award Notification Commission - Fake winning notification
    I received a letter saying I won $2,000,000.00 I knew it...
    ORACLEVISAS.COM IN DUBAI BEWARE STOLE MY MONEY - Fraud
    they scammed me with 6500 dirham after they shutdown and...
    Bunnings Hardware - Bunnings Cessnock nsw
    I am very disappointed with Bunnings at Cessnock.I rang...
    Hallmark channel - Can't hear over the music
    I watch hallmark movies all the time but about to give up...
    Viceland - cruelty to animals
    I cannot believe I had to give up H2 for this! I have been...
    ANC Award Notification Commision - Official Declaration of Certified Award
    I, too, today received an Official Declaration of...
    Immigration of malaysia - Working Visa Illegal
    Name: ANALIZA PUNO LEONG Passport Number: EC7554164 Visa...

    Share this site with others

         
          

    Recently Updated Complaints

    Award Notification Commission - Fake winning letter
    I received a fake letter today stating that I won...
    Award Notification Commission - Fake winning notification
    I received a letter saying I won $2,000,000.00 I knew it...
    ORACLEVISAS.COM IN DUBAI BEWARE STOLE MY MONEY - Fraud
    they scammed me with 6500 dirham after they shutdown and...
    Bunnings Hardware - Bunnings Cessnock nsw
    I am very disappointed with Bunnings at Cessnock.I rang...
    Hallmark channel - Can't hear over the music
    I watch hallmark movies all the time but about to give up...
    Viceland - cruelty to animals
    I cannot believe I had to give up H2 for this! I have been...
    ANC Award Notification Commision - Official Declaration of Certified Award
    I, too, today received an Official Declaration of...
    Immigration of malaysia - Working Visa Illegal
    Name: ANALIZA PUNO LEONG Passport Number: EC7554164 Visa...
         
     

    User Registration

    Already a Complaint Board member? Log in now.
    Username:
    E-mail address:
    Password:
    Code:
    or connect with Facebook

    User Registration

    A confirmation email was sent to "".
    To confirm your account, please click the link in the message.

    If you don't see the email in your Inbox, please check your Spam box.

    User Login

    Not a member of Complaint Board? Register now.
    E-mail address:
    Password:
    Forgot your password?
    E-mail address:
    Back
    Loading, please wait...
    Your password has been sent to the specified email address. Log in
    or connect with Facebook

    User Facebook Login

    Enter Username