I had GMAC as my lender for years. I did not have one single problem with GMAC. My loan was sold to Nationstar and I have had nothing but trouble with these people. They mailed MY monthly statement to my ex husband (which provides all my personal phone numbers etc on the statements), charged me late fees when my payment was not late. I call, get them cleared and the BANG they appear for NO reason again. I do not get my escrow statements anywhere near on time.

I live in AZ and they do NOT know the real estate/homeownership laws in this state. It is as if they are only doing business in Texas.

I wish that I was not upside down in my house or I would certainly refinance and get away from these people. I am stuck with the constant headache of dealing with these folks every month or so.

I have contacted them about assistance regarding my payments and they simply transfer me around, talk in double talk, tell me I can't refinance and them tell me there is nothing they can do. That's it.

I know I qualify for the Hope Foundation, but they told me to "look it up on line" and go from there. Some help huh.

Makes a good person want to simply walk away to "stick it " to Nationstar.

We might lose our home because of this mortgage company. I kept getting letters in the mail saying I was behind on payments and when I would call no one could give me a straight answer! One person would say it was an error or nor to worry then another would be rude and stated I was 3 months behind. They said they have no records of my payments! Now I sent them a payment and they sent it back to me. I was very confused by this until I got papers from a lawyer stating our house was being forclosed on. They sent the payment back so they could do this! Now we have no choice to participate in this loan modification which will double our payments. We never had a problem with gmac before they sold our mortgage to this company. We maybe got behind by one payment but because I believed their crap I have no idea where my payments went. I am scared we are going to lose our home because of this companies practices!!

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
[email protected]


-----Original Message-----
From: [email protected] [mailto:[email protected]]
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)
[email protected]

I got sold in 2008 to Nationstar, who I never even heard of and I'm sorry I ever did. It' s been nothing but a ongoing nightmare since Feb 2008. Their title company was to cut a check per my closing for the 1st half of my house taxes. Nationstar was to pay the 2nd half. But Fiserv(the title co.) sent the wrong amount and it got kicked back. They said nothing and did nothing. When Nationstar tried to pay the 2nd half it got kicked back because the first half was never paid. Now neither company said nothing and did nothing. In August 2008 I got a letter from the town my taxes were deliquent and a lein was being placed on my property in Sept.2008. I took an entire day off from work and spent it on the phone between Nationstar, the Town, the County and Fiserv. I found out Fiserv still had the check it had never been cashed. I was in contact with Jeffrey of Nationstar Escrow. I told him Fiserv had the check, gave him the contact there I had spoken too and the check number. He said it would be taken care of, no problem. A few weeks later I called the town, they said everything was paid and there was no lien. Everythings good right??? WRONG!!! It seems Jeffery and Nationstar took out an advance of money from First American (who holds the escrow monies). They took basically an unauthorized loan on my mortgage for $7000.00 in Aug 2008. I found this out 8 months later in April 2009. How?? I had just made the April payment online. My account appeared perfectly normal on the statements. There was no inkling of what they had done until I received a letter on April 6, 2009 that my next payment (in 3 weeks for May 2009) would be an additional $700.00 a month to payback the advance they took out 8 months earlier to cover the tax money they lost. I went NUTS. That was Saturday and all was closed. Again Monday I took off from work and called them. Needless to say, they told me they would file a dispute it could take 30 day...then 90 days... it has now passed 6 months and they still have not gotten back a single dime of my money. I have been working with a woman named Theresa Pointer in Escrow, but she has suddenly disappeared in the last month (they said she's been out sick). Now I have Tom in Escrow and Fiserv contacts with the Research Department of Randy Foyer and Kathy Kinkerk. Not only can they not get the money back from Fiserv (I even sent them an entire packet of papers certified registered mail w/signature required) with a copy of the page from my mortgage that shows what should have happened, but they themselves cannot find the money they should be holding for what should have been the second half of the taxes. But they said "Don't worry about that yet, we have to get the Fiserv money back first." The original tax bill and what they ended up paying, of course, were different amounts because of the interest and penalties that accrued after they paid it also. I have refused to pay them ANY of the extra amount since May, because I believe they are thieves and con-artists and I will not pay on money for an unauthorized loan they took out because they are incompetent. So now they keep saying my payments are behind, they put each payment into a holding account until it adds up to what they want it to be. I call them 3-4 times a week. They call me 2-3 times A DAY 7 DAYS A WEEK. They send me threatening letters about foreclosure, and remodification of my loan. I get phone calls from all these departments- Customer Service, Collections, Foreclosure, Research and Escrow. I am on the automatic dialer so they call me everyday including Saturday and Sunday when they are closed, besides the live operators. It starts at 8 am and goes till 9 pm. This for the last 5 months.. They threaten me constantly. I even had a supervisor hang up on me during one phone call because of my attitude toward her (this was on a third phone call of one day from them after about 4 months of this crap) She didn't like my tone or attitude and wouldn't be spoken to "in that manner" and when and if I calmed down and adjusted my attitude I could call back to speak to them..with that she hung up on me. So 6 months and still waiting for them to find my money...it's the worst nightmare scenario. I would never have imagined this happening to me. All my bills are paid on time..but my credit is now in the CRAPPER because of this..because, of course, they are report me as being deliquent to the credit bureaus. I cannot even refinance through another bank just to get away from them because of all the damage they have done to my credit. I can't sleep and have nightmares, I don't know what to do anymore. :(

I had a mortgage with Flagstar Bank that was just recently sold to Nationstar Mortgage LLC. While attempting to pay it online, I discovered that Nationstar charges for me paying on my loan in any other way than US snail mail or automated payment! Web pay is $6.95 and phone pay is $9.95!!! Ridiculous, do not use Nationstar as they are completely ripping their customers off, IMO.

Here is the FAQ straight from their site:

When it comes to making my mortgage payment, what options do I have?
We offer many convenient ways for you to make your payment. Simply choose the one that works best for you.


Western Union® Web Payment
Want to make your payment right now? Just use Western Union® Web Payment.

A fee of $6.95 will be assessed when making a payment via Western Union® Web Payment.

Western Union® Pay by Phone
Simply call 1-888-480-2432. Please have your account number and last four digits of your social security number ready and follow the instructions. Your payment will be processed using services provided by Western Union®.

A fee of $9.95 will be assessed when making a payment via Western Union® Pay by Phone.

Auto-Pay Direct Debit
Auto-Pay allows you to have your payment automatically debited, each month, from the checking or savings account of your choice.

Follow our easy, 3-step process to enroll in Auto-Pay. Nationstar Mortgage does not charge you a fee to activate this convenient service.

To properly process your request, please send your completed Auto-Pay Authorization form along with a voided check or deposit slip to:

Nationstar Mortgage
Attn: ACH Processing
350 Highland Drive
Lewisville, TX 75067

MoneyGram ExpressPayment
This option is available to ensure same-day delivery of your payment. Call 1-800-926-9400 to locate the nearest MoneyGram agent.

Once you've arrived at your nearest agent's office, complete a blue ExpressPayment form, providing your name and your Nationstar Mortgage loan number. The MoneyGram Receive Code is ***1678***. You will need this code to assure that your payment reaches Nationstar Mortgage. All ExpressPayment transactions require cash, and you will be assessed a fee by MoneyGram for this service.

Western Union® QuickCollect®
This option is available to ensure same-day delivery of your payment. Call 1-800-325-6000 to locate the nearest Western Union QuickCollect Agent. Once you've arrived at your nearest agent's office, complete a blue QuickCollect form, providing your name and your Nationstar Mortgage loan number. You will also need the following information to assure that your payment reaches Nationstar Mortgage:

Pay to: Nationstar Mortgage
Code: ASTAR
State: TX

All QuickCollect® transactions require cash, and you will be assessed a fee by Western Union® for this service.

Pay by Mail
Simply detach the coupon located on the bottom of your statement and mail it with your check or money order in the envelope provided. If you do not have the billing coupon, you can still send your payment to the address below. Be sure and write your loan number on the check or money order.

Pay to: Nationstar Mortgage
Mail to: Nationstar Mortgage
P.O. Box 650783
Dallas, TX 75265-0783

Please note that mailing your payment to any other address will delay the processing of your payment, which may result in additional fees being assessed to your account.

To allow ample time for delivery and processing of your payment, it is best to mail your payment well in advance of your payment due date.