| 02/12/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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1. Per the attached Tax and Insurance Account Disclosure Statement, ITEM A, dated XX/XX/XXXX, from XXXX XXXX XXXX : Referencing the following : `` COUNTY & TOWN and HOMEOWNERS INSURANCE '' " You Have a surplus of {$5600.00} '' " WE ARE SENDING YOU A CHECK FOR THIS AMOUNT '' " New Payment Effective : XX/XX/XXXX : {$500.00} '' *We called National Asset after we received this letter and check to verify that was accurate. We were told that the letter was accurate and that the check amount payable to us was correct.
2. Per attached Tax and Insurance Account Disclosure Statement, ITEM B, dated XX/XX/XXXX, from National Asset ADVISORS , LLC : Referencing the following : HOMEOWNERS INSURANCE , COUNTY & TOWN, TAXES, MISC., CITY TAXES.
" You have a shortage of {$100.00} '' " WE HAVE DECIDED TO COLLECT THIS OVER 12 MONTHS '' " New Payment Effective : XX/XX/XXXX : {$910.00} I spoke with XXXX, on XX/XX/XXXX, at XXXX ( Email : XXXX ), and she said the the letter dated XX/XX/XXXX, was a mistake and we should not have been mailed a check for {$5600.00}, because our Tax and Disclosure did not previously include City Taxes so we are making the correction.
She added that we should questioned them, in XX/XX/XXXX as to why the City Taxes were missing from the Tax and Insurance Disclosure Statement, and that we should have known that we were not entitled to the " surplus check. '' I asked XXXX why the XX/XX/XXXX disclosure statement is from XXXX XXXX XXXX, as referenced in 3. below, and she did not know why.
I asked XXXX, " If the XX/XX/XXXX Tax and Insurance Account Disclosure Statement was WRONG, how do I know that the Tax and Insurance Account Disclosure Statement dated XX/XX/XXXX is CORRECT? '' She repeated that we should questioned them, in XX/XX/XXXX as to why the City Taxes were missing from the Tax and Insurance Disclosure Statement.
I told XXXX, " No offense, but based on the Tax and Insurance Account Disclosure Statements, and Proof of Insurance and Escrow issue that has occurred more than once, as per 3. below, it does not appear that national Asset Advisors , LLC knows how to properly calculate our mortgage.
She said that I would have to take this up with the Manager of the Servicing Department, XXXX XXXX. I requested his email : XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- 3. Recent emails with National Asset Advisors , LLC to prove that we have Insurance and that it has always been in Escrow : From : Client Support To : XXXX Sent : Mon, XX/XX/XXXX XXXX XXXX Subject : FW : THIRD REQUEST - National Asset Advisors Loan Number XXXX - XXXX XXXX - PROOF OF INSURANCE ATTACHED Hello XXXX, thank you for your insurance submission on behalf of National Asset Advisors. Our records show current insurance was updated on your loan on XX/XX/XXXX but listed mortgagee as XXXX XXXX XXXX instead of National Asset Advisors therefore notices are being sent requesting that correction.
I have confirmed with National Asset Advisors loan is ESCROWED.
Please do not hesitate to contact the Insurance Department at ( XXXX ) XXXX if you have any questions.
Thank you for your assistance on behalf of National Asset Advisors Insurance Center.
From : XXXX XXXX [ XXXX : XXXX ] Sent : Friday, XX/XX/XXXX XXXX XXXX To : XXXX Submitmyinsurance XXXX Subject : THIRD REQUEST - National Asset Advisors Loan Number XXXX - XXXX XXXX - PROOF OF INSURANCE ATTACHED Dear National Asset Advisors, Can you please reply as previously requested?
Thank you -- -- -Original Message -- -- - From : XXXX XXXX XXXX To : XXXX XXXX ; XXXX XXXX Sent : Mon, XX/XX/XXXX XXXX XXXX Subject : Fwd : National Asset Advisors Loan Number XXXX - XXXX XXXX - PROOF OF INSURANCE ATTACHED Good Afternoon, Per the attached and email below, can you please confirm : 1 ) Receipt of the Proof of Insurance.
& 2 ) That the insurance will be in escrow with our mortgage as it has always been since our original mortgage with XXXX over 20 years ago?
Thank you, XXXX XXXX -- -- -Original Message -- -- - From : XXXX XXXX XXXX To : XXXX XXXX ; XXXX XXXX Sent : Tue, XX/XX/XXXX XXXX XXXX Subject : National Asset Advisors Loan Number XXXX - XXXX XXXX XXXX PROOF OF INSURANCE ATTACHED Re : Loan Number XXXX - XXXX XXXX - PROOF OF INSURANCE Dear National Asset Advisors, We thought this matter had been resolved last year when we provided you with proof of insurance. At that time you assured us that our insurance would be in Escrow with our loan as it always had been.
The insurance on our loan was also in Escrow and last year National Asset assured us this our insurance would be in Escrow with our loan as of XX/XX/XXXX.
So we were not happy to receive the attached, threatening letter, again. Also attached is a copy of our insurance for XXXX XXXX XXXX, XXXX, NY XXXX.
Please confirm receipt of the Proof of Insurance, and please also confirm that this matter is resolved and that National Asset Advisors requires nothing further from us at this time.
I am also requesting that all contact with us please be made by Email and U.S. Mail, going forward.
I appreciate it.
Regards, XXXX XXXX XXXX XXXX
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| 10/19/2017 |
Yes |
- Mortgage
- Other type of mortgage
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- Struggling to pay mortgage
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Web |
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I fell behind on my mortgage payments for three months due to identity theft, and then loss of income. I started worked with a Housing Counselor to help me avoid foreclosure. With her help, we completed a Loss Mitigation packet in XXXX 2017. She also helped me complete an application for Hardest Hit Funds, but XXXX XXXX XXXX will not accept them, despite attempts to get them to participate in the program. It is now XXXX, and I have never received any paperwork back from XXXX XXXX XXXX. Someone did come to my home in XXXX or XXXX to post a notification that I needed to bring the loan current, or I would lose my home. I have continued to make on time payments since missing those three months, and they are accepting my payments. When I call the company to discuss my situation and ask for an update on the Loss Mitigation packet, no one answers and I am forced to leave a message. My Housing Counselor spoke with the Loss Mitigation Manager and he agreed to a scheduled phone call appointment, but did not call and will not answer our phone calls. We have tried all phone numbers we could find, but we are only able to leave a message. I did receive notice on XXXX XXXX, that my mortgage payment is going up due to escrow shortages/tax increases, but I have not received anything else referencing my Loss Mitigation packet. I am concerned that I am close to losing my home, or that a sheriff sale has already occurred without my knowledge. I have XXXX children and do not want to lose our family home of five years. According to my Housing Counselor, XXXX XXXX XXXX is not following foreclosure guidelines.
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| 04/23/2015 |
No |
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- Loan servicing, payments, escrow account
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Web |
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We fell behind on our mortgage after my husband could n't work due to XXXX. The company had worked with us before and took a partial payment of about {$3500.00} sometime in late XXXX and refused to accept a partial payment this time. In XXXX XXXX we paid our mortgage company, National Asset Advisors , LLC {$8800.00} needed to keep our home. Our balance was listed as {$0.00} Not even a month later we receive a bill saying we were delinquent {$390.00} and owed {$790.00}. At this point I discovered that my husband had asked to have our payments placed on bi-weekly schedule. This was the cause of so many late pay fees. I asked to have the payments placed back on a monthly schedule so that if late we would only pay XXXX late fee as opposed to XXXX. I was told this could n't be done. I explained that we would always be late because my payroll schedule is once a month and the amount dependent upon my quota. The company still refused to change the payment schedule and continues to tack on late fees.
In XXXX we received a bill saying we owed the company over {$3000.00} for mortgage payment, late fees and attorney fees. I disagree with this. We had a {$0.00} balance in now we are at {$3000.00} delinquent?
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| 03/26/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I sent the following email to National Asset, but I continue to receive calls from them on my cell phone during the day, while I am at a work. I have asked to please contact me by email or after XXXX XXXX by phone, but they have ignored my request. I just received another call to my cell phone at XXXX XXXX.
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- From : XXXX XXXX To : XXXX ; XXXX Cc : XXXX Sent : Tue, XX/XX/2018 XXXX XXXX Subject : LOAN NUMBER : XXXX - XXXX & XXXX XXXX Re : LOAN NUMBER : XXXX - XXXX & XXXX XXXX Property Address : XXXX XXXX XXXX , XXXX, NY XXXX Dear XXXX and XXXX , Please place a note on our account, in regards to the above loan number. to please contact us by Email only at XXXX.
We greatly appreciate it. We can not receive personal calls at work and we do not get home from work until after XXXX XXXX.
Please let us know if you have any questions.
Best regards, XXXX XXXX XXXX XXXX
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| 07/22/2019 |
No |
- Mortgage
- Other type of mortgage
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- Incorrect information on your report
- Old information reappears or never goes away
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Phone |
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| 10/05/2015 |
No |
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- Loan servicing, payments, escrow account
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Web |
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| 06/09/2015 |
No |
- Mortgage
- Home equity loan or line of credit
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- Loan servicing, payments, escrow account
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Web |
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