Consumer complaint received 2017-12-19
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
MR COOPER HAS STOLEN OUR XXXX XXXX AND XXXX XXXX PAYMENTS USING WIRE FRAUD. WE REQUESTED, IN WRITING, COPIES OF THE RECORDINGS OF OUR CONVERSATIONS WITH THEIR STAFF FOR EVIDENCE FOR OUR STATE AND FEDERAL ATTORNEY GENERAL COMPLAINTS WE WILL BE FILING ... AND THEY REFUSED TO COMPLY. MR COOPER IS A PROVEN CRIMINAL ENTERPRISE DISGUISED AS A LEGITIMATE BUSINESS. WHEN YOU ADD THE 2 STOLEN PAYMENTS TO THE ESCROW THEFT OF {$1500.00} AND THE ADDITIONAL {$2000.00} IN ILLEGAL ATTORNEY AND OTHER FEES USING WIRE FRAUD AND MAIL FRAUD ... WE FIND ONE VICTIM WITH OVER {$5500.00} STOLEN USING CRIMINAL INTENT AND FRAUD. ON THE RARE OCCASION WHEN THEY REVERSE A THEFT, THEY HAVE STILL VIOLATED SEC LAWS BY CREATING AN ILLEGAL PROFIT STREAM, ... USING MONEY THAT WAS NEVER THEIRS ... TO CREATE INTEREST PAYMENTS/ILLEGAL PROFITS. MR COOPER ALSO FAILS TO COMPLY WITH ANY OF THE BASIC CONSUMER AND SERVIING LAWS, MOST NOTABLY FAILURE TO FOLLOW THE RESPA ( REAL ESTATE SETTLEMENT PROCEDURES ACT ). IN THEIR SICK SAD WORLD, THEY HAVE BEEN PROVEN TO STEAL HOMES AND FORECLOSE WITHOUT NOTIFICATION, WE HAVE IT IN WRITING, WITH CFPB COPIED ... BUT LET 'S NOT JUST TAKE MY WORD FOR IT ... HEAR FROM SOME OTHER MR COOPER VICTIMS YO CONFIRM THIS IS INTENTIONAL AND CRIMINAL VICTIM # 1 ~ ANOTHER WIRE  FRAUD HOME SALE ~ Date received : XXXX/XXXX/XXXX Consumer 's state : FL Product Mortgage Sub-product : Conventional home mortgage Issue Struggling to pay mortgage Consumer Complaint Narrative Nationstar Mortgage became servicer of my mortgage for XXXX XXXX XXXX. While I was doing a modification with Nationstar/Mr. Cooper ( now ) XXXX filed foreclosure had a sale etc. sold property at sale did not notify me or my attorney at that time also I was in CH XXXX/Bankruptcy .... VICTIM # 2 ... PAYMENT THEFT USING WIRE FRAUD ~ " Date received : XXXX/XXXX/XXXX Consumer 's state : CA Product Mortgage Sub-product : Conventional home mortgage Issue Struggling to pay mortgage Consumer Complaint Narrative The Mortgage Company was formerley Nationstar, now renamed Mr Cooper. In XX/XX/XXXX I was advised by a representative of Nationstar that they were able to apply money from a suspense account to a repayment plan I was on. Later i was informed that was an error by their employee '' ... VICTIM # 3 ... CRIMINAL CONVERSION ... COLLECTING ON A LOAN THEY DON ; T LEGALLY OWN DUE TO FRAUDULENT OR MISSING PAPERWORK ~ " XXXX Company name NATIONSTAR MORTGAGE Company response to consumer Closed with explanation Timely response? 
Yes Date received : XXXX/XXXX/XXXX Consumer 's state : CA Product Mortgage Sub-product : Conventional home mortgage Issue Applying for a mortgage or refinancing an existing mortgage Consumer Complaint Narrative Hello! My husband and I are in the process of applying for a HELOC on our home. In the process of collecting all of the documentation needed, we discovered that Nationstar Mortgage / Mr. Cooper ( our mortgage servicer ) does not have a copy of our Mortgage Note ... VICTIM # 4 ~  STOLEN HOUSE PAYMENTS USING WIRE FRAUD ~ ". They did not credit me for the first payment ( phoned in check # XXXX ), and were using my second payment as my first, and my third payment as a second payment. The fourth payment was also not credit to me '' ... VICTIM # 5 ~ ILLEGAL FEES ~ " My suspicions are they have found my payments, but are deducting all the late charges that should be completely removed '' ... VICTIM # 6 ~ " UNWANTED LOAN MODIFICATION ~ " I 'm also puzzled why they claim to have completed a new modification on XX/XX/XXXX ... Why? I did n't need a modification, I needed them to apply my payments correctly ... ..Something they failed to do. '' ... VICTIM # 7~ " ESCROW FRAUD ... ATTEMPTED HOME THEFT USING WIRE AND MAIL FRAUD ~ " There was no shortage in my escrow account. However, I received a new escrow statement from Nationstar dated XX/XX/XXXX, falsely declaring that my escrow account was short { {$1200.00} }. Since my property taxes did not increase by that amount, and I had never missed a payment, it is not possible that my escrow account was that short '' ... VITIM # 8 ... MAIL /WIRE FRAUD ... FAILURE TO FOLLOW THE RESPA XXXX " The strangest part about this sequence of events is that the { {$1000.00} } disbursement Nationstar made to pay for the insurance premiums was never reflected on any of my Nationstar mortgage statements as required. '' ... VICTIM # 9 ~ " FAKE CUSTOMER SERVICE ~ " also mentioned she had reached out to the prior mortgage company, XXXX, to request information on my escrow account from them, but nothing ever came of that. XXXX XXXX has apologized to me for providing poor customer service and for failing to respond to my questions, and for not being able to solve these problems, but she has also refused to forward my questions to other qualified representatives at Nationstar to seek answers to my questions. It is now simply avoidance ... VIXTIM # 10 `~ MORE ESCROW FRAUD ~ " Nationstar has not explained the irregularities in my escrow account ( shortages, missed disbursement line items on statements, sending payments to insurance without invoices, etc. ) '' ~ VICTIM # 11 ~ " MORTGAGE FRAUD /ESCROW FRAUD ~ " I suspect this ruse is intended to create mythical delinquencies for unsuspecting mortgage holders. '' ~ VICTIM # 12

Company response to consumer: Closed with explanation