When our loan was bought ( from XXXX ) by Nationstar Mortgage ( in XXXX of 2016 ) it was mistakenly transferred as an Escrow Loan. Somebody must have ticked the wrong box. Our loan was written from the beginning and is a NON Escrow loan. They also said we had a lapse on insurance coverage which we did n’t.
By XXXX of 2016 they were claiming that we owed them XXXX of dollars in Escrow and they started the collections calls.
We have repeatedly called in conference with our homeowners insurance agent and with our mortgage broker and have provided Nationstar with all the necessary documents : CLOSING DISCLOSURE and INSURANCE CERTIFICATE which clearly show that we do n’t owe any money in ESCROW because No 1 ) this was a NON ESCROW loan to begin with AND No 2 ) because we have fully paid our homeowners insurance for the year, PLUS we have FULLY paid our taxes for the year. The collections calls continued. Looks like the collections department, their insurance department and their escrow department not only have different XXXX numbers but they must be on different continents or maybe on a different PLANET!!! Makes you wonder!
To make a long story LONGER, after 5 conference calls numerous other calls and 3 months that we have been trying to resolve this issue Nationstar Mortgage sent us a letter dated XXXX XXXX with a research reference number, saying that the matter is being investigated. They also assured us over the phone that the matter would be taken care of and that they had all necessary documentation at this point.
A few days ago we started getting the collections calls again at a regular basis, which in Nationstar fashion means every single hour of every single day, literally! Those calls must be robot generated but the human being at the end of the line if you answer the call, is far from human, as I said, probably planetary and galactic migration is a fact for this Mortgage company.
I just called them this afternoon again and after 15 minutes with all the preliminary stuff, which is typical, and 20 minutes on hold because the ” agent ” aka XXXX aka XXXX, was looking for the loan and then she was looking for the notes and then was verifying everything over and over, and making sure that I know that this call is being monitored and recorded for quality assurance purposes, and this is an attempt to collect a debt, she told me that the RESEARCH REFERENCE number that I gave her ( which was on the letter that they sent me ) was the WRONG number, but that she had found in the notes that ” our request was rejected BUT that our claim was PENDING ”!!! WHAAAAATTTT??????
Help! Please! Someone? Anyone?
Nationstar Mortgage SHOULD NOT EXIST AS A COMPANY … not a mortgage company! As a company at all!!!