Mr. Cooper
Reviews and Complaints

Mailed a letter requesting my PMI be dropped as I have clearly met all requirements as I see it to allow that to proceed
It's been over month and have yet to receive any response in reference to this matter
Although I have received numerous unsolicited offers to refinance my loan which I have absolutely no interest in doing as I see it as only an attempt by them to profit at my expense

NationStar is a shady and scamming people into foreclosure.

Purchased the house in 2010. My mortgage was sold to Nation in 2012. In 2012 I had a few life events that caused me to be short on funds, however I still paid my mortgage on time but was struggling so NS informed me I could apply for a loan modification that would lower my monthly payments and in the meantime I could stop paying my monthly mortgage as those payments would be tacked on at the end of my mortgage and rolled into the loan modification. Sounds great, right? So I submit my loan modification paperwork and inform NS, NS tells me the loan modification will cover the monthly payments that occur during the application process time so I did not have to make further payments from that time on. My loan modification was rejected due to “incomplete documentation” and told I need to resubmit in 45 days with no explanation of what was missing. I also joined the mediation in our local court house, so all this was done in the court house, supervised by a mediator. I redid my loan modification application, had the mediator check my paperwork and she submitted to NS, she also told me to file a motion of continuance in order to allow response time from NS per the loan modification. 2 weeks later I receive a letter stating again that my application was rejected due to “incomplete documentation” and when asking again what was missing, NS could not tell me, as they said no details were included. Filed new application again in 45 days, motion for continuance and in 2 weeks received another rejection letter stating due to “incomplete documentation”. This is the cycle I was stuck in for over 3 years. Finally, NS filed a motion for strict foreclosure which means in the state of CT they can come in 2 weeks and auction off your house right in front of you. I appear for the court date, NS lawyer and mediator told me the judge will be upset if I deny their motion meaning the judge will have to come down to court and hear my reasoning. I denied NS motion for foreclosure and when the judge asked me why should I be allowed to keep my house after not making any payments for over 3 years, I told him I have called repetitively and tried to make payment, which NS wont accept and I have spent 3 years submitting for a loan modification which comes back rejects due to “incomplete documentation” with no explanation of what is actually missing and the money I saved not having to pay the mortgage all these years has gone to renovating the house I live in and the that the mortgage is on. The Judge was disgusted with the way NS handled the loan modification and demanded we all sit down and review the application page by page until they find the missing documentation. We all sat down with the judge and turns out I was missing a single date on a single page in an odd spot. NS claims that was the reasoning for rejection this whole 3 years.
I get the loan modification which turn out to be a $20 reduction in my monthly payment, what a waste. I get out of foreclosure and pay my mortgage on time.
NS informs me that my escrow is short due to NS applying their Hazard Insurance without my consent. NS informs me that my monthly payment is now going to go up, which means the loan modification is a wash and Im actually paying more that I was before the loan modification.
I pay the increased monthly payments on time for over a year. Then in September 2016 NS website says they are having technical issues and I need to call to make my payment and cannot pay via the website. I call NS to make my October 2016 payment and NS tells me that I do not own a payment until February 2017. I asked why and NS couldn’t tell me anything except it had to do with my loan modification, and her explanation was the loan modification was there to help me and it seems it caused my account to be satisfied until February 2017. Call back in October 2016 to check on the account and make a payment but again the NS representative told me no payment is due until February 2017 and I did not have to make a payment until then.
March 2017 rolls around and in early April 2017 I call to make my monthly payment and NS informs me I am over 5 months behind on my mortgage due to not paying October 2016 – February 2017 monthly payments. Turns out their explanation was the loan modification adjusted my account and made it look like no payments were due when in fact they were. Heres the kicker – NS tells me they sent a demand letter and I must pay the 6 months payments in full in order to bring the account current and stop the foreclosure process from occurring. I attempted to make a lump sum payment equivalent to 4 months payments but NS denied me stating they can only accept the full lump sum amount of 6 months. So I call back in May and have the 6 months payments ready however NS informs me that since the new month rolled over, I now owe even more and the 6 months payments weren’t enough and they couldn’t accept any amount smaller than 7 months. So I call at the end of May and attempt to make the 7 month payment but NS informs me that due to the late fees, penalties, and legal fees, I actually owe more money and need to pay it in full – fees plus the 6 months mortgage payments in order to bring my account current and stop the foreclosure process. Ok, I have to wait for more funds to come in and inform them I will be calling the first week of June to make the payment in the exact amount NS stated, they said ok that will bring my account current. I call the first week of June and they tell me since another month rolled over I actually owe more money and they can not accept my 7 months payments plus legal, penalties and late fees. In the meantime, I had sent cashiers checks in totaling their exact amount, but bc I sent the checks a week apart, NS rejected them and sent them back stating it was not enough funds, even though between the 2 checks it was that amount. NS said they will only accept 1 single check.
I called and finally demanded to speak with a manager who told me he said it was NS fault and entered Code 55 to allow me to make payments of $1 or more at anytime but it will take a business day to process so I have to call back Tuesday. I call back Tuesday and NS tells me Code 55 was never applied and by the way the amount due has increased again. But NS states they will now apply code 55 and I need to call back the next business day… So looks like Im stuck in another NationStar circle of Hell…. Find out tomorrow if they will accept my lump sum payment.
If you google NationStar Reviews, I found that I am not the only person that is having these issues that were caused by NS being shady and basically “tricking” homeowners into missing payments and forcing them into foreclosure.

I purchased a foreclosure on April 7, 2017 for $25, 000 over starting bid which included past HOA dues that were provided by the HOA. The previous owner was A.H.Boyd.

Two months later the HOA dues have not been paid and now the HOA is coming to me wanting 6 months of HOA dues that are owed before the sale. Again...this was collected at the time of sale.

The address is 645 Plantation Road, Unit 6505 Gulf Shores, AL 36542. Plantation Palms HOA is threating a lien and foreclosure for the past due amount of $2370.

Please contact me at [protected].

Sincerely,
Robin Moneypenny

A home was purchased at 1550 Dilg League Drive in 1986 by Melony Walker and Emit Dizadare, Jr. We were divorced in 1995, Emit remained in the home and paid all the mortgage. Unknowingly, my name remained on the house and Emit kept the mortgage in delinquency which brought my credit down. Now that the mortgage is paid in full, I am asking for a removal from Nation Star to the Credit Bureau to bring my credit out of default. My contact number is [protected] or [protected] if you need more information. Thanks!

I have many frustrations with your company since they took over our mortgage, mostly because I seem to have gotten passed around from person to person and have not gotten consistent information or service because of that. We were on a trial and were working with Tewania and half way through our trial we were apparently switched to Joann. I had authorized for auto withdrawal after the second payment but it apparently did not get done. I did not realize this until the end of the trial period and called to try to make my final payment and could not get through to ANYONE. I kept getting sent back to Joann, I left several messages, I tried to go online, again with no success. When she did finally call me back, after 3 days, I made my payment and was told it should be fine. Several days after that she called and told me that it was not accepted and that we would need to do a different modification or come up with $12, 000. I feel that because your system failed that I should be able to modify as first explained. I am urgently awaiting your response.

Your process is worse than Bank of America. I never thought I would see it. This horrible process has stressed me out. Last year I was approved for a "temporary" modification. Never heard of it, but I received the paperwork to pay my new approved payment, then after a few months I was told my new payment would go from $2675. to $3600. a month. When I inquired was told can only start process over, but continue paying higher amount.

I then started whole process again paid $10, 500 in trial payments. Received a call around end of February stating that I had been approved and to look out for the loan package in the mail. I received the loan paperwork in March, signed, sent it back and confirmed receipt. Called back to follow up, because when I logged into my nationstar account to make my first modification payment, my account still showed it was in Mod status. The Agent I spoke to said give it time, because documents were received, but not uploaded yet.

Called back the following week to find out that I had just been denied based on a technicality. How did I get approved in March and denied in April. Also, why is it that my home loan start out to be only $276, 000 and each time you guys make my start this whole process over I am incurring additional charges my loan went to $313, 000 then to $401, 000 and now it's $414, 000. I have once again resubmitted a new modification, but quite frankly I want you to use the existing approval. And for this horrible experience I want at the very least the original loan amount I started with before you added all of these fees to scam me into restarting the process multiple times.

Honestly, I was attempting to send this information to the BBB and to consumer Affairs, but want to escalate to nationstar first to follow the proper channels.

For anyone fighting a wrongful foreclosure you really need to read this book (Chain of title by david dayen) ! We are not connected to the author in any way, but this book explains exactly what the problem is, and why most homeowners (Especially in florida) have no chance of winning their cases. We have been fighting a wrongful foreclosure since march of 2010 (Beginning with our original loan from countrywide mortgage), making our payments to the servicers (Bac home loans servicing, bank of america n. A., and currently, nationstar mortgage), via certified check every month - only to have them returned to us for the past seven years! All of our returned payments are in a bank account (And have not been touched during the seven year period). We are scheduled to go to court at the end of april but have been told by our attorney that we will need to be prepared to pay the entire note in-full or to walk away from our investment home. Why? Because the majority of judges don't want to hear the details from your defense attorney and they automatically rule for the bank/servicer (Because it is easier). We have spent close to $35, 000.00 in legal fees paid to attorneys to fight this, but after reading this book we now understand that in most cases, attorneys don't even get the chance to defend their clients because the issue is way too complicated and the judges just don't want to spend the time to drill down to find out where the errors occurred on a borrowers account (Especially if the loan has been sold and/or servicers have changed during the foreclosure process). I am over simplifying the issues, but that is really the bottom line here. Read this book before you spend a bunch of money on hiring an attorney to defend your foreclosure case (Especially in florida). This problem with the servicers has been brought to the federal level and even the feds decided to sweep it under the rug by settling with the banks, instead of prosecuting them for mortgage fraud. Leaving all of the homeowners/borrowers paying the ultimate price for the bank/servicers wrong-doing.
Many of these issues posted here (Lender placed insurance, excessive late fees, inspection fees, lost paperwork for modifications, etc. ) are not new issues! And when you do your research online, you will see that many of the defenses that people/homeowners and foreclosure defense attorneys have used are being rejected by the judges/courts. Educate yourselves! I know this sounds crazy, but it's true! Read this book and research the issue online. You will clearly see that very few of you have any real chance of saving your homes - because the entire system is setup to support the lenders & servicers - not the homeowners/borrowers! And if you think filing a complaint with any of the government consumer protection agencies will make a difference... Think again... It's all been done already and garners little results for the common folk on main street! Educate yourself - you will not believe what you read - but it is all true. We know because we have been living it for the past several years!

Robert n loriann chor
To whom it may concern,
After 4 years of trying to rectify nationstars error... Nationstar leaves me no choice but to file in small claims court. A forced insurance was put on me and we had insurance the entire time! Nationstar never acknowledged my insurance and put my home in foreclosure! After 3 years of trying to fix nationstar's error the legal fees are still not off my account. Although I did get the paperwork that stated that nationstar paid the legal fees it was not removed from my payoff statement and still shows it in there. After continuous attempts to get a nationstar representative to follow through and fix this situation… from customer service to resolution department... No one has followed through! Speaking with over 28 people and the reference numbers of each... Not to mention hours and hours of being on the phone with nationstar... There is still an error. ? My new escrow company had to pay in order this off for me to close this account and get a new account with another company. I refuse to let nationstar take this money that is definitely not owed to them not to mention deserve with the amount of stress and hardship this has put my family through!
I will never do business with nationstar again and I will definitely get the word out regarding how unfair and unprofessional your company is. Im a very unsatisfied, aggravated, and disgusted customer! Unfortunately, I will see you in court robert n loriann chor
Account #[protected]

Tried paying my entire loan off 3 times. They reversed the transfer payment 3 times and charged me late fees even though I had proof that it was they that reversed the transfer. In addition they cost me an extra $30.00 in wiring fees which they did not refund. You will wait on hold for upwards of 30-45 minutes only to be hung up on BEFORE you talk to a representative. When you do manage to get a representative they will transfer you around for another 30-45 minutes. They have managed to squeeze an extra 3 months of interest and fees out of me all the while threatening to ruin my 850 credit score if i don't pay, which I have 3 freaking times! DO NOT DO BUSINESS WITH NATIONSTAR! #nationstar #nationstarmortgage #nationstarmortgagereview­s

I was contacted by my mortgage company, Nationstar Mortgage, wanting to know if I might want to refinance my home. We had been with Nationstar for several years. We decided to refinance and were given a "good faith" estimate of projected payments, including escrow. Loan Number [protected]. We closed on the refinanced loan last September with a payment of $2581.51 per month. Approximately 4 months later, I received an Annual Escrow Account Disclosure Statement, notifying me that effective March 1, the following month, my payment would increase by $1345, 76 to $3, 927.27, which represents more than a 50% increase.

I left messages with Nationstar consumer complaint line on four different days- no returned calls. I contacted the supervisor of the refinance person who originally assisted us (Jeff- [protected]). He briefly looked up the account, understood our alarm, and stated that the refinance agent had clearly grossly miscalculated our escrow needs. He advised he would call me back with more info, but has not done so.

My complaint is that I believe this was misleading and the error on behalf of the mortgage company has now priced my family out of our home (there simply is no way I can by a $4000 a month mortgage). I don't know if this was intentional or unintentional, but it has now compromised the security of my family. Everyone know that taxes go up, insurance premiums go up each year and we anticipate slight increases in our mortgage payments each year. A 50% increase is, however, shocking. This 50 plus % increase was not the result of increased insurance premiums or increased taxes, but rather either unintentional errors by the made in calculations by the mortgage company or intentional misleading of a long-time customer, in order to make a loan and receive commissions or worse force a foreclosure.

My contention is that had I been given a correct good faith estimate of monthly payment ($3927) instead of what I was incorrectly provided ($2581), I would never have refinanced my home, or might have opted for a 15 year mortgage instead of a 10 year mortgage as we did. Now we are forced to put out home on the market or risk having it taken from us. I don't want this refinance any more, we were mislead.

Thank you for your help. Ken Adcox [protected]

trying to buy a foreclosure home that is owned by nationstar. was told that because it was a reverse mortgage foreclosure that it could only be purchase with cash, no financing. wondering why this is the case and how my qualified VA buyer is not able to purchase it. please let me know as this borrower is ready to purchase as soon as possible. thank you

This issue is regarding an unlawful foreclosure sale by Nationstar Mortgage in Waco, Texas that is coming up on January 3rd, 2017. I have been trying to stop this sale as I have had an active dispute with Nationstar Mortgage for several months now that they have completely ignored and then suddenly they sent this to Buckley Madole to foreclose on my home. Since September 2016, I have been trying to verify the validity of this debt with Nationstar and I have 7 letters from them since September, acknowledging they have received my correspondence and will respond back, usually within ten days. I have not received ANY RESPONSE from them from each of those 7 letters and acknowledgements. Now they are trying to take my home without any verification that they have a legal right to do so.

This is a rental property in Waco, Texas that has a tenant in there until the end of 2017. There is no way I wanted this home to go to foreclosure. I
have tried endlessly to work with Nationstar for over a year now to fix their many errors and I am still willing to work with them. But they are ignoring every attempt since September and are now violating my rights per the Fair Debt Collection Practices Act and Texas Foreclosure Laws. This is unfair for them to try to take my home now while I have an active open dispute with them and still waiting for their response, which they have completely ignored.

In early 2015, Nationstar Mortgage took over my loan that I had originated with GMAC back in November 2005 on a different loan number than what Nationstar is indicating. After GMAC went out of service, Ocwen took over the loan on the same account number and there was no issue until Ocwen transferred the loan to Nationstar Mortgage in 2015. Nationstar created a different account under a new loan number that I never signed and from the start, the monthly payment amount was incorrect, they were trying to charge me more than my monthly payment was. I questioned this error for many months and they acknowledged the error through emails but failed to resolve it on any payment statements for several months. Then when they finally fixed that error, they forced a loan mod on me over Christmas 2015 which I completely abided by according to their process. But their loan mod process was so broken that even after they had all my signed documents, they failed to complete it and canceled the loan mod. But they blamed me for not following through with it, which was such a lie! This all ended around April 2016 when my first payment on the loan mod was due.

I then sent a RESPA QWR to start questioning the validity of this debt and Nationstar's right to be servicing this loan due to their multiple errors from the very start. After 2 certified letters from me, they responded in July, 2016 with a stack of paper copies showing my signature on the Deed of Trust and supporting loan documents that were tied to the account number from GMAC, which I completely acknowledge and signed. But there was nothing in this paperwork that tied me to this new account number from Nationstar in any way. I then sent another certified letter in September, questioning their right to be enforcing this note and asking them to prove their legitimacy to be collecting on this debt. I sent multiple letters since September, each of which they sent me back a letter acknowledging their receipt of my correspondence and that they will respond back by such and
such a date. I have 7 of these acknowledgement letters now since September but NO RESPONSE BACK from Nationstar. I have been waiting for their responses and all of a sudden, I received a letter from Buckley Madole saying that they intend to foreclose on my home! How can they ignore this active dispute that I am still awaiting responses to when they said repeatedly they will respond? This is completely unlawful now for
them to ignore my requests and take my home without any validation that they have a right to do so. And for all these months, they keep running payoff statements and charging me all these fees for all that and they should have responded to my dispute back in September which would have eliminated all these ridiculous fees!

I received the Notice of Intent to Foreclose from Buckley Madole on November 21, 2016. I then got my dispute package together and sent it to Buckley Madole via certified mail, showing my complete dispute with
Nationstar and all supporting documents and letters. Their intent letter says I have 30 days to dispute the validity of this debt, which is exactly what I am doing and my package was sent within 10 days of their initial letter. However, one short week later, on November 28, 2016, they issued the Notice of Acceleration and Notice of Trustee's Sale scheduled for January 3, 2017. Per Texas Foreclosure Laws, there is supposed to be a "Cure Period" to allow the borrower to resolve this debt and then they issue the Notice of Acceleration.

My rights are being violated here, Buckley Madole is doing nothing to help resolve this dispute and they are unlawfully trying to take my home. I have tried to work with Nationstar to fix their errors for over a year, I have 55 emails to prove it. Since April of this year I have been trying to work to resolve this dispute and I am still willing to work with Nationstar as I never wanted this home to go to foreclosure. I just needed them to prove that they have legal right to be servicing this loan and enforcing this debt. I have every right to dispute this and it is insane that they are ignoring everything and sending my home to foreclosure!

The federal government mortgage relief programs, like many administration funded programs, is set to close out on 12.31.16. The most notable relief program in that group is the home affordable modification program, otherwise known as hamp. The hamp program, which was launched in 2009, for the most part has been a colossal failure. Though it has been touted as the engine that has saved homes from foreclosure, the costs incurred to remedy each foreclosure case have been incredible. The cost of hamp to each independent taxpayer has been estimated at over $84, 000….. And we will be paying that back for many years to come. A program that was designed to save over 9 million homes in 4 years, has saved a little less than 2 million homes in 8 years. Keep in mind also that the number hamp modifications that end up back in default circles right around 50%. So why didn’t the program work? Two major issues…. First, the hamp program really has no “teeth” to it. The banks were advised to cooperate voluntarily and failed to do so. Since they were given their bailout all up front, there was no financial incentive to cooperate at all. This is the equivalent of me giving my 5 year old son his allowance up front and then expecting him to do his chores…everyone should get the picture here. Second, home owners were supposed to receive strong guidance from nonprofit agencies through the process. This never happened since the nonprofit agencies were overloaded and the workers were underpaid….. Most of the clerks / advisors working on cases had very little mortgage or finance experience as well. There was also no direct incentive for the nonprofit agencies to complete solid deals for the home owners, since they were paid by the federal government for simply "submitting" loan modification packages. Naca and other non profit agencies held rock concert like events to pile in hamp applications... Even worse, the banks funded the events as well, just to make sure they kept control... Sounds like a colluded three ring circus to me! All in all, this led to the completion of weak deals, no deal or foreclosure. So what now? We are certainly heading into much more aggressive territory in 2017. Both the banks and the non-bank servicers are foreclosing quicker due to the rising tide in home equity. We are no longer in a distressed market and they have nothing to lose. There are certain lines of defense that can be used, but they are much more complex to execute upon than in the past. Due to the recent shift in the political tide, we are headed back into a capitalist market…which means every man for himself... The federal government is going to stay a million miles away the foreclosure mayhem. Unless you understand the "game" 150% and have a gladiator mentality, you will need help working through the foreclosure prevention process. The cfpb has tried to step in and add a layer of protection, however it appears that there are no clear defined rules, which will lead to open arguments throughout the modification process ~ http://www.Housingwire. com/articles/37690-cfpb-best-practices-on-how-to-continue-loss-mitigation-needs. Utilization of the new cfpb mortgage servicing rules, the nation mortgage settlement and independent state laws will be key moving forward. Stripping down the validity of the debt and applying aggressive foreclosure defense will be crucial as well. Ultimately, more home owners will need to be prepared come in with down payments to get any proprietary modification done as well. The “outside the box” process is the way modification deals were completed prior to 2008……and we are heading back into that territory. Banks, loan servicers and non-bank servicers do not want to complete loan modification deals…regardless of what government propaganda has been disclosed in the past. There is no “yellow brick road” to follow or “magic carpet ride” waiting….. Every case moving forward will be hard fought trench warfare. We are used to the “trench warfare”, has the experience, utilizes proven proprietary techniques and know what it takes to win. We offer a free consultation and no nonsense approach to success. Feel free to call us at 877.297.7011.

I want to know if their main goal is foreclosure? I think my brothers house has been put into pre-foreclosure at least 7 times in the past 5-7 years alone. He is disabled and just recently divorced, and they announced his monthly payment of 900.00 would increase back up to $1700 a month. So it was recommended he look into modification again. He did, I helped fill out the paper work. Phone calls, faxes and more paperwork later, they will not do the modification (even with proof of divorce and only his disability benefits to live on). Not only that, but I have just learned that he now owes a lot more $$ on this house despite continued payments. What is going on?

Nationstar has put us through 6 years of hell. We have made our payments, but they misapplied them. We are now in foreclosure because they refused my payment back in December 2014 saying we owed over $7, 000
They deliberately did this to make us delinquent!
I have all documented proof of fraud, and they owe us $89, 000 due to them and Citi Mortgage neglect in accounting.
I am fighting back have two active lawsuits against them, and the best defense that is affordable in my corner with over 30 years experience fighting these corrupt servicers!
There are many victims out there if you are one contact me I will help you.

[protected]
[protected]@gmail.com

I applied for a refine in August 2015, they checked my credit 4 times all of which showed up as hard credit checks. After making me jump through hoops for four months I was turned down because not enough income for loan. Now the original loan was 420 000 with monthlies of $2, 484.46. The original loan was not with them, they had our loan sold to them. Now since the original loan my income went up $32, 000 a year. We got turned down by Nationstar due to not enough income even though the new loan amount was $335, 000 and new payments would have been $1.500 month. I just don't get them. Whenever I asked to many in depth questions my loan officer was switched until finally they told me it was declined. Worst company ever.

After nationstar acquired my mortgage they refused to honor a modification bank of america had made.

I sent documentation but they didn't care. They had very little invested in the mortgage and wanted to sell house for they cash they would receive.

John

I was given an opportunity to turn my house over to Nations with help from the State of Nevada Mediation Program. I made a written agreement to have the house "Broom ready" within 60 days and for that I would receive $2000. It has now been over a year and half and still no check from Nations. Their attorneys that represented them at the medication, are just passing the buck.

Nationstar failed to notify me that they extended my trial amendment process by one payment. They failed to tell me the payments couldn't be even one penny over the amount due. They failed to notify me that they had extended the trial period. They failed to notify me that they had cancelled the trial period in writing. They did notify me in writing that I could voluntarily turn over my mortgage to them. Before I started the trial amendment mortgage process my mortgage was current and I had never missed a payment. Now I am over $2000.00 behind. I am elderly and disabled. They told me they would resubmit the process twice and it shouldn't be a problem. It wasn't approved. Now I was told I have to reapply. They are blaming the government saying it's their fault. This company called me every month and said "don't forget to make your payments for the trial period. " every payment was on time. Never mentioning until the last payment that it needed to be precisely the correct amount. So I made it the correct amount. Then I received a form letter saying my payments are behind. They didn't apply my trial payments correctly so they overcharged my interest also. Thieves!

We were having problems with our mortgage, Bank Of America was our lender, they were not willing to help with our situation, had a buyer for a short sale, they sold our mortgage to Nationstar, and this bank was no help either, all customer service was worthless, I mean worthless! Trying to get answers for relief, what A BIG run around! In the process had to go through a whole bunch of paperwork again! And same thing, had a good offer for a short sale and Nationstar sold our mortgage to another bank. What a crock of crap! These banks pull! So we had enough dealing with Banks, and let our home go into foreclosure which we tried to avoid, no THANKS TO THE CROOKED BANKS! NO HELP FROM THEM! GREED! This was in 2012, done with final forclosure dec.2012. and Nationstar has the gull to file a false claim with our home insurance stating we stold the appliances, in 2013 not contacting us at all. Nationstar is as crooked as Bank Of America