RUSHMORE LOAN MANAGEMENT SERVICES LLC

2017-05-12

Gainesville, VA

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-05-12

Gainesville, VA

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-05-10

Orange Park, FL

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2017-05-10

Guayama, PR

Struggling to pay mortgage

Mortgage: FHA mortgage

Company Response: Closed with explanation

Timely Response

2017-05-09

Box Springs, CA

Trouble during payment process

Mortgage: FHA mortgage

Company Response: Closed with explanation

Timely Response

2017-05-05

Tulsa, OK

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-05-05

Nyc, NY

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: Please consider this correspondence to be formal notice that our mutual client is hereby filing a complaint on the denial of loan modification because your company failed to evaluate this borrower for all los s mitigation options available in violation of Regulation X, 12 C.F.R. 1024.41 ( c ) ( 1 ) ( i ). The lender has refused to review this clients file for loss mitigation options due to the package being received on XX/XX/XXXX 2017 with a sale date of XX/XX/XXXX 2017 - This is more than 7 days prior to the sale date and being that the lender services more than 5 thousand loans they are required to review this file.
Company Response: Closed with explanation

Timely Response

2017-05-05

Box Canyon, CA

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-05-05

Box Canyon, CA

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-05-04

TX

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: Back around XXXX XXXX I sent my paperwork to Rushmore via return XXXX . When I called to follow up they told me they did n't receive it. It took anothe r 2 weeks before they sent me another which I mailed back on the XXXX of XXXX . When I called to check the status they told me they were n't going to review it because it was less than 37 days prior to the foreclosure sale on XXXX / XXXX / XXXX . According to RETURN INTEGRITY & ACCURACY TO FORECLOSURE AND BANKRUPTCY PROCEEDINGS a lender or servicer is to continue review up to 15 days prior to the sale date and conduct an expedited review. It appears that Rushmore is not following the rules to allow me to keep my home.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-05-04

Spring Branch, TX

Struggling to pay mortgage

Mortgage: Other type of mortgage

Company Response: Closed with explanation

Timely Response

2017-05-04

Downey, CA

Trouble during payment process

Mortgage: Other type of mortgage

Company Response: Closed with explanation

Timely Response

2017-05-03

Oxford, GA

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: When I originally called Rushmore to ask about getting my Property Mortgage Insurance removed, they claimed that the only method to get it removed was to have an appraisal done on my house. However, according to the federal Homeowners Protection Act, this should have been removed automatically when the principal balance reached 78 percent of the original value of my home. According to my mortgage statement from Rushmore dated XX/X/XX , I met the 78 percent threshold before I even requested the PMI to be removed. In addition, after Rushmore received my authorization for an appraisal to be conducted via fax on XXXX XXXX XXXX , they failed to actually order the appraisal until XXXX XXXX XXXX . I believe this was purposely delayed to keep me paying the PMI since Rushmore benefitted from this insurance which seems to be a conflict of interest. I had to call three times after XXXX XXXX to ask for updates and only after I requested to speak to a supervisor on XXXX XXXX did they finally admit that I had already submitted the authorization for appraisal and that the appraisal should have been done weeks ago. Rushmore has failed to be transparent during this entire process, and as of XXXX XXXX , has placed a cease and desist hold on my account stating there will no longer be an type of verbal communications, outgoing calls or written correspondence except as otherwise required by law. When I requested phone transcripts of my calls with Rushmore and more information regarding how the process to remove my PMI should have taken place, they refused to offer this information. They have refused to even tell me how much my home appraised for after requesting this via phone call on XXXX XXXX and in writing through their secure message portal. The cease and desist hold seems like their form of retaliation against me and also a way to intimidate me as the consumer. After my call to Rushmore on XXXX XXXX I was promised a follow-up call with a supervisor to ensure my request was moving forward. I did receive a call on XXXX XXXX at XXXX EST but was unable to answer. The left a voicemail promising a return call in 30 minutes but I never received one or was given a number to contact this person back specifically. This was just another moment in which Rushmore failed to deliver on what they promised me. This also includes them failing to respond to provide recordings or even phone transcripts of calls I had them that I had also requested.
Company Response: Closed with explanation

Timely Response

2017-05-02

Camden, NJ

Trouble during payment process

Mortgage: Other type of mortgage

Company Response: Closed with explanation

Timely Response

2017-04-30

Superstition Mtn, AZ

Struggling to pay mortgage

Mortgage: Other type of mortgage

Company Response: Closed with explanation

Timely Response

2017-04-28

Maricopa, AZ

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-04-27

Bel Alton, MD

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: We have submitted a Complete Loan Modification Packet but the lender is refusing to review because of the sale date. Please consider this correspondence to be formal notice that our mutual client is hereby appealing the denial of loan modification because your company failed to evaluate this borrower for all loss mitigation options available in violation of Regula tion X, 12 C.F.R. 1024.41 ( c ) ( 1 ) ( i ). QWR was sent on XXXX -2017 with no response.
Company Response: Closed with explanation

Timely Response

2017-04-27

Staten Island, NY

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-04-26

MD

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: Ocwen fraudulently foreclosed on my home in 2015 after refusing to provide documentation that they held the mortgage to my home. Despite numerous requests no documentation was forthcoming and they eventually fraudulently created paperwork with fraudulent signatures to foreclose my home. I previously filed a complaint on them. I have everything documented and I am willing to provide these documents in support of my allegations.
Company Response: Closed with explanation

Timely Response

2017-04-26

Tacoma, WA

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: I 'm currently in default because they made a mistake in the reinstatement amount to bring me current in XXXX . I got a loan for almost {$30000.00} to cure the arrears. I submitted a complaint shortly after but their response was bogus and held them not responsible. I would n't be in this position if they had provided me an accurate amount and because they did n't, they increased my mortgage payment to reflect the difference. I ca n't make more than my normal mortgage amount of $ XXXX . They keep raising it to suit their needs and I ca n't afford to pay more. They set a sale date of XXXX XXXX nd I had to declare bankruptcy Ch XXXX to stop the sale. Right away I submitted a modification packet in the hope they would modify my loan to an amount lower than I used to pay or k eep it at {$740.00} and cancel the arrears so I can continue to live in my home. I feel they should make it right from their error the year before with the reinstatement fiasco. Shortly after submitting the mod packet, I called them to make sure they received it and I was told by XXXX , that it had been denied due to lack of paperwork and that my hardship was n't viable. He kept saying that nothing changed. He 's right. My salary has n't changed which is why I ca n't afford their constant increases. I could n't believe it. I want to stay in my home and I 've done everything to try to comply. There 's no reason they should n't allow me to stay. I 've lived there for 10 years and it has been a constant struggle with them and that its been underwater the entire time, I was a victim of predatory lending and then the housing crash. I did n't ask for any of that. This home was my retirement. I have nothing without it. I 'm XXXX and I have no savings, and if they get their way, no house and no future. I 'm not being dramatic. It 's true. I ca n't even afford rentals in my area. I will truly be homeless and they get to manipulate the law and servicing rules to suit their needs. They have broken so many rules and policies that it 's sick. I 've attached some information and highlighted in yellow the rules they are breaking. In getting back to the denial of the mod packet, I still have n't seen in writing why they denied. I 've called 3 times and each time talked to some XXXX different and each time as usual gotten different information. I make decisions that are crucial to me and my financial security based on wrong information they give me. I was about to cancel my bankruptcy because of the denial I received verbally and now I 'm being told that it has n't been reviewed. I talked with them today and I was told that the mod packet I recently submitted right after the bankruptcy was n't considered because they felt nothing changed from this packet to the XXXX I submitted last year so they just denied it. I probably would n't have done the XXXX thing if I 'd known they would handle it that way. They have to completely review all applications as if it were my first or my tenth. They do n't. They make up the rules as they go along. I know I 'm rambling on but I 'm so sick of repeating this story that I get physically ill. I got a letter last week that informed me they have a sale date on my home also. Is n't it illegal to do that if you 're in bankruptcy? I ca n't find the letter I just got with the date, but I listed it initially as XXXX and I will verify that. I have a stay yet they get to file a sale date? Somebody has to stop them and let me keep my home. I just want this to end. I 've wasted so much money defending myself from their illegal practices just to keep my home. I will not leave and will do everything to protect it. PLEASE stop them and make them stop. I have n't had access to my online acct. for over a year. They wo n't send me paper monthly copies either. That 's a violation also. How can I properly enter into the bankruptcy if I choose to continue with a monthly payment amount if I ca n't first verify what I owe. I wo n't take their word for it. I need access to my account.
Company Response: Closed with explanation

Timely Response

2017-04-25

Staten Island, NY

Struggling to pay mortgage

Mortgage: Other type of mortgage

Company Response: Closed with explanation

Timely Response

2017-04-21

Gloucester City, NJ

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-21

Jacksonville, FL

Loan servicing, payments, escrow account

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-21

Mountain View, CA

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-20

Ormond Beach, FL

Loan modification,collection,foreclosure

Mortgage: Home equity loan or line of credit

Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response