RUSHMORE LOAN MANAGEMENT SERVICES LLC
Consumer Complaints
There are over 2172 complaints on file for RUSHMORE LOAN MANAGEMENT SERVICES LLC. Dated between 2019-12-11 and 2012-10-01.
Complaints Page 45
2017-08-29
San Jose, CA
Trouble during payment process
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2017-08-25
Chicago, IL
Trouble during payment process
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2017-08-24
San Jose, CA
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Complaint: Rushmore Loan Management Services, LLC ( Rushmore ) is in a business to foreclosure people home. I request the reinstatement quote many time : 1/ Reinstatement request email and fax to Rushmore on XXXX XXXX, XXXX 1/ Another request for Error Resolution Notice XXXX 12 C.F.R.1024.35 email and fax Rushmore and Trustee XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) But both of them continue to ignore my request.
Today, XXXX XXXX, XXXX I received this note from Rushmore with the copy of the Note and copy Deed of Trust with down the breakdown in detail reinstatement quote as I did request Rusmore many time.
Rushmore clearly does n't care about customer service or customer satisfaction. Nobody trust this company. Consumer Financial Protection Bureau please help to make this company out of their shady business as soon as you able. They just be here to harm and hurt customer.
Attachments : 1/ Request for Reinstatement__XXXXXXX 2/ Error Resolution Notice Plus__XXXXXXX 2/Useless letter from Rushmore__XXXXXXX
Company Response: Closed with explanation
2017-08-22
IN
Trouble during payment process
Mortgage: FHA mortgage
Complaint: We are filing a consumer complaint against our previous mortgage lender XXXX XXXX for violation to the National Mortgage Settlement ( NMS ). This settlement prohibits lender abuse during the application process of applying for loan modification assistance. As a result of this negligence our family was forced back into foreclosure after having made all 3 consecutive trial payments in adherence to our trial agreement.
We applied for a loan modification in XX/XX/XXXX after a lengthy review period, our loan was accepted for trial payments under the HAMP Streamline loan modification program onXX/XX/XXXX We subsequently made 3 trial payments in the amounts of {$590.00}. The payments posted with XXXX as follows :XX/XX/XXXX{$590.00} XX/XX/XXXX {$590.00} and XX/XX/XXXX -- - {$600.00} ( Exhibit A Trial Modification Dated XX/XX/XXXX ) ( Exhibit B Proof of Completed Trial payments ) On XX/XX/XXXXthe Federal Housing Finance Agency ( FHFA ) announced a program designed to help borrowers save their homes. The Streamlined Modification Initiative provides an efficient, no-document way for certain delinquent borrowers to obtain a permanent loan modification As of XX/XX/XXXX, mortgage servicers must identify eligible borrowers and send them an offer letter that states the terms of the modification, including the monthly payment required for a Streamlined Modification. Upon receiving the letter, the borrower can simply submit the modified payment to begin the trial period.
The borrower must successfully complete the three-month trial period to obtain a permanent modification. If the borrower makes the three payments on time, the mortgage will be permanently modified. However, if the borrower misses a payment during the trial period, he or she will not be eligible for a permanent modification under the program ( though another foreclosure alternative may be available Servicer shall promptly send a final modification agreement to borrowers who have enrolled in a trial period plan under current HAMP guidelines ( or fully underwritten proprietary modification programs with a trial payment period ) and who have made the required number of timely trial period payments, where the modification is underwritten prior to the trial period and has received any necessary investor, guarantor or insurer approvals. The borrower shall then be converted by Servicer to a permanent modification upon execution of the final modification documents, CaseXX/XX/XXXXXXXX Document 1-6 Filed XX/XX/XXXX Page 108 of 291 Case XXXXXXXX Document 10-1 Filed XX/XX/XXXX Page 17 of 200 A-17 consistent with applicable program guidelines, absent evidence of fraud. B. Dual Track Restricted.
After the mortgage trial payments were collected by XXXX we received no decline letter as to why the modification had been cancelled, nor were any of our trial mortgage payments returned to us. This is the same type of abuse which led to the NMS, and the multiple lawsuits against XXXX for lender abuse.
Furthermore XXXX has also failed to adhere to a settlement conference, which is a face-to-face meeting with the lender to work out a foreclosure prevention agreement. ( Ind. Code XXXX XXXX XXXX ) My wife and I represented ourselves Pro Se and originally attended our first hearing for these mandatory meditation hearings early in the spring of XX/XX/XXXX, under Case No. XXXX, in XXXX County Circuit Court. We carried on a full discussion with the Judge XXXX XXXX as well as the attorney XXXX XXXX XXXX which represented XXXX XXXX regarding our desire to retain ownership of our home.
It turns out that we were missing several documents which better outlined our financial situation and our hearing date was rescheduled forXX/XX/XXXX at XXXX XXXX and we were instructed to return with the necessary documents which would definitively define my earnings at the time. Two days or so before our new hearing date was supposed to be conducted we received a letter from XXXX counsel stating that our hearing date had been canceled. When we inquires as to why this was done, we were told that it was because we failed to communicate with their office what our intentions were. This statement within itself was preposterous and misleading to say the least. Since our loan is FHA and government insured we theorize that XXXX is only interested in foreclosing so that they can file a Foreclosure Claim with FHA. Further, we were also overlooked and not offered the FHA Pre-foreclosure Sales Program which would allow us to sell our home and use proceeds to satisfy the mortgage debt, instead XXXX would prefer to defraud the U.S. government and take advantage or abuse our homeowners rights in the same process which are deemed as direct violations to 'Real Estate Settlement Procedures Act ( RESPA ) ( 12 U.S.C. 2601 et seq. ) Regulation X.
( Exhibit C Order Re-Scheduling Hearing ) We feel that XXXX has also colluded with our new servicer name Rushmore Loan Management Services ( RM ). On or aboutXX/XX/XXXX, our loan was transferred to a collection agency by the name of RM, with absolutely no notice which are also violations to 12 CFR Part 1026 ( Regulation Z ) RESPA. Again we feel this collusion is for the purposes of stripping all positive equity form our home as well as foreclosing so that they can file a Foreclosure Claim with FHA. Moreover when our loan was originated it carried an interest rate of more than 12 % and both XXXX and RM, are reaping the benefits this early on abuse. RM, has offered no type of options for us to avoid foreclosure, in fact when we last spoke with them on XX/XX/XXXX we were advised by XXXX at XXXX XXXX because our loan was just received one month ago they do not show that we made any payments toward a loan modification nor do they see that we were ever approved for one inXX/XX/XXXX. In fact she went on to say that our loan was approved for foreclosure the same exact month that we were approved for modification assistanceXX/XX/XXXX She also advised us that we had a private investor which is false, our investor is FHA.
Company Response: Closed with explanation
2017-08-21
Manhattan, NY
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2017-08-21
Cypress Gardens, FL
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2017-08-18
Memorial Square, GA
Struggling to pay mortgage
Mortgage: Other type of mortgage
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-08-18
Oxford, GA
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Complaint: Rushmore has referred my home for foreclosure my loan was securitized and place in a trust where XXXX XXXX XXXX XXXX XXXX XXXX XXXX is the alleged trust. The assignment are fraudulent and robo sigend and they were conveyed after the cutoff date of the loan trust, they have refused to work a modification on my loan, i dispute the said balance and i do not believe that Rushmore or the trust name herein are the rightful party of interest in this matter. I have removed the power attorney from the borrowers waive of rights in XXXX XXXX records and Rushmore/ XXXX Trust do not have permission to foreclose.
Company Response: Closed with explanation
2017-08-17
Lexington, NC
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Complaint: I got behind on my payments after being on time for 15 years. I made my last payment of XXXX in XXXX and XXXX turned it over to Rushmore. With them I filed a loss mitigation form and was accepted. They put my deceased mother on the contract so had to send a death certificate. I received a letter in XXXX saying they received it and then 3 weeks later received a letter saying it was filed. They were suppose to send a new package but still have n't received it and no one can give me an answer when I call. I feel like they are avoiding me, I do n't want to lose my house. I 've called XXXX XXXX who is over the loss mitigation department and is handling my account but she only returned my call one time during my work hrs so I called back and left my cell phone number and she still have n't called me back.
Company Response: Closed with explanation
2017-08-16
San Jose, CA
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2017-08-16
San Jose, CA
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Complaint: Dear Sir/Madam, I have concluded an extensive investigation and analysis of various documents associated with my Loan and the purported transfers and assignments thereof. These documents include : the Trust Deed, Note, and relevant foreclosure documents. I have determined there was apparent fraud involved with respect to several parties involved in invalid transfers/assignments of the Deed of Trust and Note relating to the above-mentioned property address. The invalid and fraudulent conveyance of rights, title and interest created lack of authority to transfer, substitute, or convey rights, title and interest of our Client 's property rights in relation to Deed of Trust, dated XX/XX/XXXX and recorded XX/XX/XXXX. As an additional matter, I am alarmed with the manner in which I have been treated by Rushmore Loan Management Services LLC 's representatives and single point of contact XXXX XXXX. Rushmore 's representatives and Rushmore single point of contact XXXX XXXX have made blatant misrepresentations_never return call, incorrectly imposed a late fee, causing me serious damages, including the potential foreclosure of my home. Rushmore Lost Mitigation XXXX ID XXXX confirm on XX/XX/XXXX in the amount of {$15000.00} _ included {$14000.00} from the previous servicer/Trustee ( XXXX XXXX XXXX XXXX ), Corporate advance $ XXXX_included {$4300.00} again from the previous servicer ( XXXX/ XXXX XXXX XXXX XXXX ) . Attached please find the Reinstatement quote from ( XXXX XXXX XXXX XXXX XXXX ). I requested Rushmore breakdown all their Fee/Late Charge/Payment and they never did. Rushmore single point of contact ( SPOC ) XXXX XXXX is completely unprofessional. Her customer service is non existent, she 's sleeping, she does n't know what 's going on with your file. I did request a reinstatement from XX/XX/XXXX until now XXXX never send it to me. Every time my representative ( XXXX ) call and request them to send me the reinstatement quote they refer me back to the sleeping, not working SPOC XXXX XXXX, until now almost a month, they continue process foreclosure on my property but I still did not receive the reinstatement quote as I requested. This loan has been reinstated on XX/XX/XXXX. Reinstating my loan means I pay the entire amount I 'm behind ( arrears ) plus all related fees ( such as interest and late fees ) to bring my loan current. After I reinstate, my loan did appear as paid to date in the lenders records and I will resume making my original mortgage payments. That 's what I know and I was back to my regular payment until the loan transfer to Rushmore Loan Management Services LLC. I need your explaination in detail with all evidence/documents that you have the right to increase my monthly payment from {$2900.00} to {$11000.00}.
The above-mentioned violations subject you to sanctions and nullification of the loan and the substantial nature of this claim may exceed the policy limits on any and all insurance policies issued that cover these types of risks. There are many legal issues here ; ( 1 ) Here, there is a lack of clarity as to the identity of the real party in interest with the power to foreclose. I contend that through their own actions, none of the parties involved actually continued to hold valid standing to foreclose when the foreclosure occurred. From the recorded documents I have retrieved it appears that XXXX XXXX XXXX XXXX was the original investor as of XX/XX/XXXX ( Exhibit " A '' ). However, the Notice of Default & Election to Sell under Deed of Trust ( Exhibit " B '' ) states that XXXX XXXX XXXX XXXX was the Investor listed. Then onXX/XX/XXXX XXXX XXXX XXXX was apparently assigned the Deed of Trust by XXXX ( Exhibit " C '' ). Then a Notice of Trustee Sale, dated XX/XX/XXXX and recorded XX/XX/XXXX ( Exhibit " E '' ) was filed under the name of either XXXX XXXX XXXX XXXX, as the only reference to the investor listed was the details of the original Deed of Trust 's recording information, or the apparently newly assigned investor, XXXX XXXX XXXX. Finally, the Assignment of Deed of Trust, dated XX/XX/XXXX and recorded XX/XX/XXXX ( Exhibit " F '' ) shows XXXX XXXX XXXX XXXX as the new assignee of the Deed of Trust, Dated XX/XX/XXXX & recorded XX/XX/XXXX. In preparation for a foreclosure my property Rushmore recorded a Corrective Assignment of Deed of Trust and Substitution of Trustee.I believe that, you whoever you are may have used interstate communications to tried to defraud are extort money from me, making a claim were no claim exists, which may be a violation under RICO and also the FDCPA.
DEMAND FOR ALL 40 QUESTIONS TO BE ANSWERED Every question in whole or in part must be answered completely, in detail And every question in whole or part must be Notarized and Certified by the person ( s ), agent ( s ) answering these 40 questions in whole or part below.
1 ) Please state your complete name ( s ), occupation ( s ) and mailing address ( s ). 2 ) Identify the source of the funds in the account that is the subject matter of this 3 ) Produce all original records, reports, memoranda relating to the source of funds relating to this disputed account and list all other sources of information such as computer file names, the database and locations at which related information is located and accessible. All Records, Reports must be Notarized and Certified that they are originals 4 ) Who was and is the owner/holder/ Investor of each account fromXX/XX/XXXX? The current Rushmore account is XXXX, their name and address, list those individuals having signature rights to each account, their name ( s ), title ( s ) if any and address ( s ). 5 ) Identify the account that was debited when the disputed account was created, by name, or account number, location, address. 6 ) Did the funds for the disputed account originate from another account or lending institution? Name of account or lending institutions name and address 7 ) List the names and addresses of all lending institutions from which the alleged funds were purported. 8 ) Please identify the account number from which the funds originated in order to create the disputed account, location, address. 9 ) Admit that no other account was debited when the disputed account was created must be notarized and certified 10 ) If you denied that no other account was debited when the disputed account was opened or created, please identify the account that was debited by the account number and the name or names of the debited accounts signer, holder and/or owner, and explain in detail how the funds for this account were originated, must be notarized and certified. 11 ) If you denied that no other account was debited when this disputed account was opened or created, state the total balance of this debited at the time the debit was made and, list the names, occupations and addresses of the signers and holders on the account and the date that the account was opened along with the opening balance. 12 ) Please produce all original documents and information, related in any way to your implication or allegation that a loan was given to me, notarized and certified. 13 ) Which employee of the bank authorized the transaction? name and title 14 ) If any loan origination system, software or other procedures were used in the opening of the disputed account, please identify the system by name, its address and describe in detail how it operates.
15 ) According to the alleged loan agreement, was the purported lender or financial institution involved in the alleged loan to use their money as adequate consideration to the promissory note from the alleged borrower? YES or NO. 16 ) According to the alleged loan agreement, was the purported lender or financial institution involved in the alleged loan to accept anything of value from the alleged borrower that would be used to fund a check or similar instrument in approximately the amount of the alleged loan? YES or NO. 17 ) According to the accounting/ bookkeeping entries, did the purported lender or financial institution involved in the alleged loan to accept anything of value from the alleged borrower that would be used to fund a check or similar instrument in approximately the amount of the alleged loan? YES or NO. 18 ) Was the intent of the purported loan agreement that the party that funded the loan should be repaid the money lent? YES or NO. 19 ) Did the purported lender involved in the alleged loan follow Generally Accepted Accounting Principles, GAAP? YES or NO. 20 ) Were all material facts disclosed in the witted agreement? YES or NO. 21 ) What is the name and address of any bank auditor or certified public accountant involved with or having any relation to the accounting function regarding this disputed account? 22 ) Identify the name and address of the records or accounting records or ledgers reflecting the transaction for the disputed account. 23 ) Were any other loan numbers assigned to the disputed account? 24 ) If you answered yes to the above question, please list those account numbers with date of assignment, must be notarized and certified. 25 ) Explain in exact detail how each account was created or originated. 26 ) Explain in detail how the funds for each account were deposited and where they originated, must be notarized and certified. 27 ) Was an account created with the purported loan amount then debited account? 28 ) Please explain your answer in exact detail to the above question # 27. 29 ) Please produce all records and tangible evidence relating to the questions herein and send them along with your response, must be by certified mail. 30 ) Are you or any of your agents, agencies bonded for your actions? 31 ) If so please send NOTARIZED, CERTIFIED COPY OF YOUR, THEIR BOND 32 ) Have your or any of your agencies ever taken an Oath? Notarized, Certified 33 ) If so please attach NOTARIZED, CERTIFIED COPY OF YOUR, THEIR OATH 34 ) Do you or any of your agents, agencies have Qualifications for your, their position? 35 ) If so please attach NOTARIZED, CERTIFIED COPY OF ALL QUALIFICATIONS 36 ) Was this alleged debt ever written off, charged off, charged against, on taxes or other lending institutions, credit reporting agencies, etc?, IF YES, Then list the names and addresses of all involved or related to this alleged debt, each must be notarized and certified. 37a ) Please identify what type of money supply was used for the extension of credit, loan supplied by Rushmore Loan Management Services LLC c/o XXXX, XXXX XXXX XXXX, XXXX And /also what was the type of money supplied ( M1 ), ( M2 ) or ( M3 ) type money in this alleged account? Must be Notarized and Certified. 37 ) Please identify if the security on this alleged account is a type I, type II, type III, type IV, or type V securities. Must be Notarized and Certified. 38 ) Please identify if at any time the security on this alleged account was converted into any stock option, IF YES, NAME OF STOCK, Must be Notarized and Certified. 39 ) Please provide a currency trace as it applies to the alleged loan or extension of credit. Each and every part of the trace must be Notarized and Certified by the person ( s ) Verifying the accuracy of the trace.
40 ) Please provide any an
d all documentation filed with the FDIC, SEC, OCC, and the Federal Reserve and any other regulating agency on Rushmore Loan Management Services LLC c/o XXXX, XXXX XXXX XXXX, XXXX
Company Response: Closed with explanation
2017-08-15
City Ranch, CA
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Complaint: This is a REBUTTAL of XXXX XXXX 's Answer to my Case # ' : XXXX XXXX XXXX XXXX., not in it 's individual capacity but solely as " trustee '' for the XXXX Trust, Series XXXX states that they are " NOT THE APPROPRIATE PARTY TO ADDRESS MY ISSUE ''.
Well, If XXXX XXXX does NOT want to be involved, WHY then did they file a FRAUDULENT PROOF OF CLAIM via their attorney, XXXX XXXX XXXX in my Federal Bankruptcy Case, stating that they were the 'CREDITOR, AND NOTE OWNER AND HOLDER " of my Deed of Trust, and Note, that secures my property. They are HELPING / ASSISTING Passively, as a " XXXX XXXX '', as " Trustee '' .... for the Servicer, Rushmore Loan Management Services LLC. to FRAUDULENTLY, ILLEGALLY AND CRIMINALLY STEAL MY HOME ON XX/XX/XXXX!!
SO TOO BAD XXXX XXXX, THAT YOU DO NOT WANT TO BE INVOLVED!! BY YOUR PASSIVE AGRESSIVE ACTS YOU SURELY ARE INVOLVED, AND GUILTY OF CRIMES AGAINST US!!!!!!!!!!
NO MORE EXCUSES!!
I DEMAND THAT YOU STATE, HERE AND NOW, THAT YOU ARE NOT THE " CREDITOR '', HOLDER OF MY NOTE, HOLDER OF MY DEED OF TRUST, NOR ARE YOU THE TRUSTEE FOR THE XXXX TRUST, SERIES XXXX '' WHO IS ATTEMPTING TO ASSIST IN ILLEGALLY STEALING MY HOME AND ENRICHING THEMSELVES.
DENY YOUR ROLE, RIGHT HERE, RIGHT NOW, IN THIS CASE - DENY BEING THE 'TRUSTEE '' FOR THE XXXX TRUST, XXXX XXXX REGARDING MY NOTE/LOAN # XXXX.
SWEAR, UNDER PENALTY OF PERJURY, THAT YOU HAVE NO INTEREST IN MY HOME LOAN/DEED OF TRUST, ECT ... AND THAT YOU ARE IN NO-WAY ASSISTING RUSHMORE LOAN MANAGEMENT SERVICES LLC., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, OR ANY OTHER ENTITY IN FORECLOSING ON MY HOME ...
DENY THAT REPRESENT XXXX XXXX XXXX. AS TRUSTEE FOR THE XXXX TRUST, SERIES XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-08-14
MA
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: Rushmore Loan Management, LLC is the servicer on my mortgage loan sinceXX/XX/XXXX. They have incorrectly placed my mortgage in default. I provided every month of proof of payment between XX/XX/XXXX through XX/XX/XXXX and they have not corrected this. Rushmore now says that it is due to a payment XX/XX/XXXX prior to them servicing the loan. I 've asked them why they are trying to collect on the loan prior to them servicing loan. They stated XXXX XXXX XXXX transferred loan stating I was one month in default and did n't receive XX/XX/XXXX. I have provided copies of proof of payment and the cleared & endorsed check by XXXX XXXX XXXX for the XX/XX/XXXX payment. Now, Rushmore states that it is due to an XX/XX/XXXX missed payment. I explainded that payment was n't required because I have a statement with XXXX Balance due because an adjustment that was made due to a Modification from XXXX XXXX XXXX. I have provided that information and Rushmore Loan Management continues to keep my loan in default. Please see copy of the XX/XX/XXXX statement with zero balance due.
Company Response: Closed with explanation
2017-08-13
Key Biscayne, FL
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Complaint: The alleged servicer has been wrongfully denying me for a loan modification. I had a HAMP, FNMA, XXXX XXXX underwriter look at my loan modification and stated based on all the documentation I have submitted to the bank and the guidelines, I should have been approved for HAMP. I also qualify for inhouse modification based on guidelines. I am not even sure that the servicer that sent my payoff actually has the right to service my loan. The foreclosure plaintiff is XXXX XXXX XXXX. There is no assignment to the current servicer that has denied my loan modification and supplied the payoff. I am also XXXX, so being put out into the street is unjust. I make enough income to to afford my home. There also is equity in my house, so I could have sold it for a profit in order to find a new home, however due to my XXXX, it is much easier to live within my current home. The servicer is not calculating income that I have provided and also refusing to further review me for a modification. Please help. Sincerely, XXXX XXXX XXXX
Company Response: Closed with explanation
2017-08-11
Charlotte, NC
Trouble during payment process
Mortgage: Other type of mortgage
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-08-11
Seneca, SC
Trouble during payment process
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2017-08-11
Main Office, VA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Old information reappears or never goes away
Complaint: Rushmore Loan Management Services continues to defraud and undermine the authority of the CFPB, FTC and other state and federal agencies, through negligent unfair violations of the FCRA, FDCPA and other state and federal regulations. Rushmore Loan Management Services has undisputedly re-aged an account first reported delinquent by XXXX on XX/XX/XXXX, and continues to extraneously verify by, Rushmore finds no evidence to support that your credit has been falsely re-aged. Your loan was acquired from XXXX XXXX XXXX on XX/XX/XXXX. At that time, loan was due for the XX/XX/XXXX monthly installment. Therefore, Rushmore is reporting your loan accurately. This is an insidious deception constituting intentional misconduct under both Federal and State Laws. The FCRA and case law is clear and unambiguous on this matter : the 7-year time clock starts running on the Date of First Delinquency ( DOFD ). Reporting of DOFD is, under FCRA 623 ( a ) ( 5 ), based on information obtained from the Original Creditor. One debt collector selling the debt to another collector is irrelevant to the 7-year rule. The federal FCRA and state statutes of limitations are separate and independent of each other. A review of the attached Customer Loan Inquiry, XXXX Notice of Intent to Cure, XXXX Account History, as well as, the series of attached credit reports, show PROOF POSITIVE that Rushmore Loan Management Services has illegally re-aged this account. The legal obligations under the FCRA Furnisher Rule completely discredit Rushmore Loan Management Services denial of involvement in improper investigations. Well-founded through disputes Ive already submitted, Rushmore furnishes falsified information to the CRA 's, repeatedly verifies it, then wrongfully shifts responsibility to the credit reporting agencies. Attached are dispute responses from XXXX, XXXX and XXXX evidencing Rushmore 's furnishing of fraudulent verifications. As a result of these reckless, wanton and intentional acts, I have suffered and continue to suffer considerable, irreparable, emotional, medical and financial damages. Rushmore Loan Management Services disregard and willful violations of the FCRA, FDCPA, and, my rights as a consumer, have caused unfair harm by seriously diminishing my credit rating, causing denial of credit, cancelled credit cards, missed job opportunities, escalated interest and insurance rates, and, loan terms I no longer qualify for.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-08-11
Cupsaw Lake, NJ
Trouble during payment process
Mortgage: Conventional home mortgage
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-08-10
Atl, GA
Trouble during payment process
Mortgage: Other type of mortgage
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-08-10
Trouble during payment process
Mortgage: Other type of mortgage
Company Response: Closed with explanation
2017-08-10
Wilkes Barre, PA
Struggling to pay mortgage
Mortgage: FHA mortgage
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-08-09
Manhattan, NY
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2017-08-09
Pottstown, PA
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2017-08-08
City Ranch, CA
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Complaint: CFPB DID NOT ALLOW ME TO REBUT MY CASE # XXXX ON XX/XX/XXXX. XXXX XXXX for the XXXX XXXX, Series XXXX claims that they " Know nothing " about my home loan with Rushmore Loan Management Services LLC.. That is really funny, because Attorneys REPRESENTING XXXX XXXX XXXX XXXX , not in it 's individual capacity but solely as " trustee '' for the XXXX XXXX, Series XXXX, by the name of XXXX XXXX XXXX , filed a FRAUDULENT OBJECTION TO CONFIRMATION OF CHAPTER CHAPTER XXXX PLAN on their behalf in my Federal Bankruptcy case on XX/XX/XXXX, and then went ahead and filed another FRAUDULENT document, a CREDITOR 'S PROOF OF CLAIM, for XXXX XXXX as Trustee for the XXXX XXXX, Series XXXX in the same bankruptcy case on XX/XX/XXXX.
Now XXXX XXXX XXXX. wants to DISTANCE themselves from this position as " Trustee '' for the XXXX Trust, Series XXXX.
XXXX XXXX XXXX, ALSO DISTANCE themselves about these documents filed in my XXXX XXXX Federal Bankruptcy case.
This is because XXXX XXXX XXXX, AND XXXX XXXX XXXX, ... ALONG with the Ring Leader of this FRAUD, Rushmore Loan Management Services LLC., are COMMITTING FINANCIAL CRIMES TO GAIN ENRICHMENT FOR THEMSELVES, BY FRAUDULENTLY STEALING MY HOME VIA AN ILLEGAL FORECLOSURE.
XXXX XXXX XXXX, Rushmore Loan Management Services LLC., and XXXX XXXX XXXX, are COMMITTING FRAUD, FORGERY, AND FRAUD UPON THE COURT, but ... .when cornered, they DENY EVERYTHING!! I have been dealing with this FRAUD for MORE than a year now, and dealt previously with another criminal ring headed up by XXXX XXXX XXXX and XXXX XXXX for MORE THAN 3 years.
This is going to STOP NOW!!! SO, here is what I am going to do : XXXX XXXX XXXX., not in it 's individual capacity, but solely as " TRUSTEE '' ( and supposed " OWNER '' and " HOLDER '' of my note ), for the XXXX XXXX, XXXX XXXX, ANSWER THIS LETTER THAT I SENT TO YOUR ATTORNEYS/DEBT COLLECTION AGENCY : since it pertains to you as well : ( Please check out my previous complaint which i was not giving the opportunity to rebut, for additional details of the situation ).
XX/XX/XXXX 2nd Modified Demand for Information on my Proof of Claim in Chapter XXXX Bankruptcy Court ( Case # XXXX ) United States Bankruptcy Court : XXXX District of California : XXXX XXXX Division RE : OBJECTION TO PROOF OF CONFIRMATION OF CHAPTER XXXX PLAN Dear XXXX XXXX XXXX ( XXXX XXXX ), XXXX XXXX XXXX ( XXXX XXXX ) and XXXX XXXX XXXX ( XXXX XXXX ), and the XXXX XXXX XXXX, located at XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA. XXXX, I am in receipt of your answered correspondence dated XX/XX/XXXX. We demand to know WHOM you work for, in relation to your representation as " attorneys for XXXX XXXX XXXX XXXX, not in it 's individual capacity but solely as trustee for the XXXX XXXX XXXX XXXX., in the XX/XX/XXXX OBJECTION TO CONFIRMATION OF CHAPTER XXXX PLAN, which was prepared and filed by XXXX XXXX XXXX @ XXXX XXXX XXXX, in my Federal Chapter XXXX bankruptcy case ( # XXXX ), In your XX/XX/XXXX answer, in writing, to us, ... you stated that you were " unable '' to produce any documentation, including, but not limited to, the Pooling and Servicing Agreement, for the XX/XX/XXXXXXXX. You stated that our address of XXXX XXXX XXXX XXXX, CA. XXXX, the address on our loan, and our loan number was " unfamiliar to you, and that we were NOT in your system '', therefore you were UNABLE to give us the information that we requested, and is our right to inspect.
If you filed an OBJECTION TO CONFIRMATION OF CHAPTER XXXX PLAN in my Chapter XXXX bankruptcy case on XXXX XXXX, XXXX, WHY then, would you have NO INFORMATION regarding this trust you state you are representing? ( XXXX XXXX, XXXX XXXX )?? You state in this document that you are attorneys REPRESENTING the XXXX XXXX XXXX XXXX not in it 's individual capacity, but solely as trustee for the XXXX XXXX, XXXX XXXX : IS THIS IN FACT WHOM YOU REPRESENT? If you do in fact legally " REPRESENT '' XXXX XXXX XXXX XXXX not in it 's individual capacity but solely as trustee for the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have any records relating to my loan ( XXXX ) and /or Property located at XXXX XXXX XXXX XXXX , CA. XXXX.
Did XXXX XXXX XXXX execute or prepare, or any agent or representative of XXXX XXXX XXXX execute or prepare the XX/XX/XXXX OBJECTION TO CONFIRMATION OF CHAPTER XXXX PLAN in the XXXX XXXX Chapter XXXX case # XXXX for debtor XXXX XXXX? If XXXX XXXX XXXX did NOT execute/prepare/file this document from XXXX XXXX XXXX, who did?
Does XXXX XXXX XXXX, DENY that they have a client that they " REPRESENT '', either as an attorney or attorneys, or in any debt collection capacity by the name of XXXX XXXX XXXX XXXX not in it 's individual capacity but solely as trustee for the XXXX XXXX, XXXX XXXX OR Rushmore Loan Management Services LLC XXXX?
Is Rushmore Loan Management Services LLC., a client of XXXX XXXX XXXX XXXX and did they request an execution/filing of an OBJECTION TO CONFIRMATION OF CHAPTER XXXX PLAN in my XXXX XXXX Bankruptcy case in XXXX XXXX , CA. CASE # XXXX XXXX XXXX on XX/XX/XXXX?
Is XXXX XXXX XXXX. a " DEBT COLLECTOR '' for either Rushmore Loan Management Services LLC., XXXX XX/XX/XXXX XXXX , XXXX XXXX , XXXX XX/XX/XXXX XXXX XXXX not in it 's individual capacity but soley as trustee for the XXXX XXXX, XXXX XXXX? Is Rushmore Loan Management Services LLC., a client of XXXX XXXX XXXX. in relation to Loan # XXXX?
Under what AUTHORITY does XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX interest themselves, and inject themselves, as " agents/attorneys '' for XXXX XXXX XXXX XXXX, in my Federal Bankruptcy Case ( XXXX XXXX CASE # XXXX )? What business do they have filing documents in my Chapter XXXX Bankruptcy Case ( CASE # XXXX )? Under what authority, and for WHOM do they file FRAUDULENT DOCUMENTS in my FEDERAL Bankruptcy Case # XXXX United States Bankruptcy Court : Central District of California-XXXX XXXX Division.
Does XXXX XXXX XXXX, work in ANY CAPACITY, for investors of the XXXX Asset Backed Ceritificates Trust, XXXX XXXX? Is XXXX XXXX XXXX, or ANY of it 's agents or atttorneys filing FRAUDULENT DOCUMENTS in my California Chapter XXXX Case # XXXX for any INVESTOR, or Financial Firm? Are you " REPRESENTING, OR COLLECTING '' for the XXXX XXXX XXXX XXXX int in it 's individual capacity but solely as trustee for the XXXX XXXX, XXXX XXXX, AND/OR for investors or financial firms for the XXXX ASSET BACKED CERTIFICATES TRUST, XXXX XXXX.
Is XXXX XXXX XXXX, or any of it 's agents/attorneys/debt collectors working on behalf of XXXX XXXX , ( The XXXX XXXX XXXX XXXX XXXX )?
Why has XXXX XXXX XXXX XXXX, not in its individual Capacity but solely as trustee for the XXXX XXXX, XXXX XXXX filed FRAUDULENT Corporate Assignment of Deed of Trust on XX/XX/XXXX in the XXXX XXXX County Recorders Office, claiming that they are the owner and trustee of my loan secured by my property at XXXX XXXX XXXX, CA. XXXX?? Why did XXXX XXXX AND their attorney / debt collection firm, XXXX XXXX XXXX, file a FRAUDULENT PROOF OF CLAIM on XX/XX/XXXX ( which is a FEDERAL CRIME- FALSE CLAIMS ) in my Chapter XXXX Bankruptcy Case in XXXX XXXX XXXX CA.? Why is XXXX XXXX for the XXXX XXXX, XXXX XXXX FALSELY CLAIMING to be OWNER and HOLDER of my note, secured by my property at XXXX XXXX XXXX, CA. XXXX, if, as you claim, they have NOTHING to do with my home loan, or property? And WHY are your attorneys/debt collectors, XXXX XXXX XXXX filing the Proof of Claim, as YOUR representatives, in my bankruptcy case? WHO ARE YOU, AND WHAT ARE YOU CLAIMING YOU ARE OWED??
PLEASE RESPOND WITHIN FIVE BUSINESS DAYS OF THIS DEMAND FOR INFORMATION.
SINCERELY, XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-08-07
Juniper Hills, CA
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: We are being ILLEGALLY foreclosed on in XXXX XXXX County, CA. by current servicer, Rushmore Loan Management Services LLC., and XXXX XXXX as " trustee '' for the RMAC Trust, Series XXXX. ( Reference my previous Cases # XXXX AND # XXXX ). We purchased our loan " ORIGINALLY '' in XX/XX/XXXX from XXXX XXXX XXXX , XXXX Our " ORIGINAL '' trustee was XXXX XXXX XXXX XXXX , and our 'ORIGINAL TRUST '' was the XXXX Asset Backed Certificates Trust, Series XXXX. The " INVESTORS '' of the Original Trust XXXX were paid-off by the XXXX RMBS Settlement in XX/XX/XXXX. All remaining loans in that trust were " re-purchased '' by XXXX XXXX XXXX, from XXXX XXXX ... due to fatal defects. In XX/XX/XXXX, XXXX XXXX sold off a series of " NON-PERFORMING, FATALLY -FLAWED '' loans in four separate pools to NEW INVESTORS. These investors paid pennies on the dollar to purchase fatally flawed loan. Rushmore Loan Management Services LLC. was one of those pool investors. They purchased the fourth pool, for which my loan was contained within it. Now, my loan from XXXX XXXX XXXX , XXXX was NEVER FUNDED BY XXXX XXXX XXXX, XXXX for one - and this was NEVER DISCLOSED to me or my husband when we purchased the loan. Secondly, XXXX NEVER PROPERLY ENDORSED MY LOAN NOTE, and only stamped one endorsement in blank, with XXXX XXXX XXXX 's " stampted '' signature. ALL OTHER ENDORSEMENTS that were supposed to be on my note, according to XXXX XXXX 's Pooling and Servicing Agreement, AND law, were missing. Even though there was " room '' on the bottom of the document for those endorsements. There was NO Notary signature or date on my original note. XXXX made a FATAL DEFECT in my loan, and rendered it UNSECURED with the originated it as a XXXX " MOM '' loan, and then they NEVER deposited the note into the trust.There is NO Assignment of Deed of Trust conveying the note anywhere from XXXX, or XXXX XXXX XXXX for all of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ..Not until XX/XX/XXXX!! And that was by Bank XXXX XXXX, after the " merger '' with XXXX XXXX XXXX, XXXX. The law and PSA state that an assignment MUST be " recorded " in the XXXX XXXX County Recorder 's Office within 90 days of conveyance. MY LOAN IS AN UNSECURED DEBT SINCE ORIGINATION in XX/XX/XXXX!! Rushmore Loan Management Services LLC., " purchased '' my " NON-PERFORMING, FATALLY FLAWED NOTE '' from XXXX XXXX in XX/XX/XXXX, and has been attempting an " ILLEGAL FORECLOSURE " ever since. They have a Trustee Sale dated for XX/XX/XXXX. XXXX XXXX XXXX. not in it 's individual capacity but solely as trustee for the " NEW '', " RE-SECURITIZED '' Trust, RMAC Trust, Series XXXX is now claiming to own the debt, and filed a FRAUDULENT Proof of Claim on XX/XX/XXXX in the XXXX XXXX XXXX California Federal Bankruptcy Court against me, claiming to be " CREDITOR ''. The Attorneys from XXXX XXXX and XXXX XXXX joined in that FRAUDULENT PROOF OF CLAIM, for the benefit of the Countrywide Investors THAT WERE ALREADY PAID OFF IN XX/XX/XXXX!!!! Rushmore Loan Management Services LLC., has been HOUNDING us for over a year now, and has committed many crimes for which they do not have to pay any consequences for. THEY CAN NOT PROVE THAT THEY LEGALLY OWN MY LOAN, as the Chain of Title was BROKEN in XX/XX/XXXX - and they are attempting to PROFIT FROM STEALING MY HOME, and reward themselves with any/all payments we were FORCED to pay them in a joke of a bankruptcy case from XX/XX/XXXX-XX/XX/XXXX. WE WANT RUSHMORE LOAN MANAGEMENT SERVICES LLC. AND XXXX XXXX FOR THE RMAC TRUST TO BE INVESTIGATED FOR FINANCIAL FRAUD AND CRIMES ON THE FEDERAL BANKRUPTCY COURT, AND FRAUDULENT DOCUMENTATION FILED IN THE XXXX XXXX COUNTY RECORDERS OFFICE, amongst many other crimes committed against us. CFPB : MAKE RUSHMORE LOAN MANAGEMENT SERVICES LLC., AND XXXX . XXXX FOR THE RMAC TRUST, XXXX XXXX ***PROVE**** THAT THEY OWN OUR NOT WITH THE ****ORIGINAL, WET INK NOTE*** with ALL appropriate endorsements, and assignments, FOR WHICH THEY CAN NOT PROVE .... MAKE THEM PROVE IT.!!! The fraudulent documents they produced in my other CFPB cases I mentioned in this complaint are BOGUS AND FRAUD. Make them **** PROVE*** the ORIGINAL, wet ink note with ALL THE PROPER ENDORSEMENTS!!! MAKE THEM DEMONSTRATE THE ASSIGNMENTS OF DEED OF TRUST ***PRIOR*** TO XX/XX/XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation