RUSHMORE LOAN MANAGEMENT SERVICES LLC

2017-03-11

Louisville, KY

Disclosure verification of debt

Debt collection: Mortgage

Not given enough info to verify debt
Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-03-10

Barry Square, CT

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-10

East Rockaway, NY

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: I took out a mortgage loan. The mortgage company advertised a low payment and interest rate. However, the monthly payments and interest rate were not low as promise. The bank has started XXXX foreclosure procedures without success. Two different bank have sue me. I tried to do loan modifications several times but were denied without clear explanation.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-03-09

Fairburn, GA

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-03-09

Orlando, FL

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-09

Fairburn, GA

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-08

Santa Ysabel, CA

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: On XX/XX/XXXX, the sale of my deceased mother 's house closed. My brother XXXX XXXX is executor and I, XXXX XXXX am co-executor. My signature is on all of the closing documents. On XX/XX/XXXX, eight months after closing, Rushmore Loan Management Services issued a check in the amount of {$4000.00} as overpayment of the loan payoff. The check was issued in the name of " The Estate of XXXX XXXX. '' All accounts in my mother 's name have been closed as she passed away on XX/XX/XXXX. Attempts to reopen them were unsuccessful. my brother spoke with Rushmore and requested that they reissue the check as " Estate of XXXX XXXX, XXXX XXXX as executor '' and Rushmore said to send in supporting documents and to return the check, which he did on XX/XX/XXXX. Rushmore subsequently changed the account to my deceased father 's name, XXXX XXXX on XX/XX/XXXX. He passed away on XX/XX/XXXX. On XX/XX/XXXX, Imy brother resubmitted all documentation electronically and Rushmore proceeded to change the account to my name XXXX XXXX I am my brothers successor. On a weekly basis, my brother has called Rushmore to no avail. He was referred to XXXX XXXX XXXX at phone number XXXX. He never returned any calls. On XX/XX/XXXX, my brother was referred to XXXX XXXX XXXX at XXXX. XXXX XXXX agreed that the documentation supported my brother being executor. He forwarded his notes to the appropriate department and told my brother to contact him at the end of the week. He has not returned his calls. My brother has contacted Rushmore five times since then to no avail. More than a month later nothing has been done, my name is still not on the account and nearly one year after closing on the sale of my mother 's house, Rushmore is still holding {$4000.00} that should have been dispersed to the estate. I, XXXX XXXX have contacted Rushmore as well on XX/XX/XXXX and XX/XX/XXXX and explained the situation in an attempt to get some resolution and was told " it is still an open task '' and they would escalate this. I was told again that an email would be sent to the appropriate department and that I would get a follow up call. I received no such calls. This is also what they told my brother three months ago. Due to the public nature of this complaint, I have not attached any files due to their sensitive nature but am more than willing to provide them at a later date, if necessary.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-07

Jupiter, FL

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-07

South Florida, FL

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Complaint: Rushmore Loan Management, Rushmore Loan Management Services LLC Customer Service Department XXXX, CA XXXX ( http : //www.rushmorelm.com/ ) requested a set of documents prior to my submitting a modification request by the request date : XX/XX/2017. I submitted all required documents, of which included a Quit Claim Deed that I had to pay {$1600.00} for in XXXX County and a statement that included the dissolving of my relationship with my domestic partner whom I never married legally. I submitted both. After the deadline, they informed me that I could not qualify for a modification due to failure to submit all required documents : a legal separation agreement, of which I could not have due to never being married and a promise to post {$27000.00} K to suspend the sale date on the property. They clearly lied about what I was required to submit and waited until after the deadline to change what was initially requested.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2017-03-06

Monroe, WA

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

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

Disputed: No Timely Response

2017-03-03

East Rockaway, NY

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: On XX/XX/2017 I sent a request for mortgage assistance to the servicing company to my mortgage loan. The reason my loan became delinquent was because the monthly payment the lender offer were much higher than promised. I have applied for loan modifications several times but always get denied due to inconsistent reasons. I was recently advised by my loan 's servicing company that they are no longer taking any more documents to process a loan modification.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: Yes Timely Response

2017-03-01

Briones, CA

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-02-28

Brooklyn, NY

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-28

South Florida, FL

Credit decision / Underwriting

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: My mortgage loan was being serviced by XXXX Bank up until XXXX XXXX, when XXXX XXXX and I, XXXX XXXX, received a letter from XXXX advising that the mortgage loan was going to be serviced by Rushmore Loan Management Servicees effective XXXX XXXX. We had caught up with mortgage that was behind but we still owed late fees in the amount of {$900.00} ( which surprising enough is the same amount that we pay for our regular mortgage payments ). On or about the middle of XXXX XXXX, I called XXXX on the phone and spoke with a customer service representative regarding my interest in paying the late fees so that we can have a fresh start with Rushmore in XXXX. I specifically said to that XXXX customer service rep. that the {$900.00} that I was paying over the phone needed to be applied to late fees because the XXXX XXXX mortgage rent was already paid. Well, XXXX came and I called Rushmore and paid the XXXX rent. When I received the XXXX statement from Rushmore it said that we still owed the {$900.00} in late fees ( please keep in mind I already paid the late fees with XXXX - or so I thought ). I called XXXX back and spoke with customer service who informed me that instead of applying the monies towards late fees as I had asked, they applied it to the XXXX XXXX mortgage rent. I was furious! I had paid my mortgage twice!! I immediately contacted Rushmore and asked them to apply my XXXX overpayment towards my XXXX rent and they refused. They said that they needed a letter from XXXX indicating that they received the XXXX payment. After a couple of weeks and several visits to a XXXX branch, I was able to obtain a letter from XXXX advising that they indeed applied my XXXX payment to the XXXX rent. I faxed the letter to Rushmore on XXXX XXXX, XXXX, and as of today, my rent remains behind on month. I keep getting harassing letters from Rushmore asking for money to pay the XXXX XXXX mortgage - I have been paying the mortgage every month despite my efforts to get credited for the overpayment. I have complained to the Florida Office of XXXX XXXX XXXX XXXX XXXX and they sent a letter to them over a month ago and have still ignored the agency 's request for an explanation of why they have failed to credit my account accordingly. The letters Rushmore send to us, is very upsetting because we do not owe any mortgage rent. We have paid in time. The account is in my husband 's name but I am an authorized user on the account.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-02-27

Oxford, GA

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Complaint: RUSHMORE LOAN MANAGEMENT SERVICES, is attempting to foreclose on my home XXXX XXXX 2017 with an assignment that been robo signed. I asked for proof of claim and debt validation none of my request have been responding to. I also mailed a QWR, and it has been responded to either.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-24

Atl, GA

Disclosure verification of debt

Debt collection: Mortgage

Not given enough info to verify debt
Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-24

Royal Palm Beach, FL

Loan modification,collection,foreclosure

Mortgage: Other mortgage

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

Disputed: No Timely Response

2017-02-24

Ralston Corner, VT

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-24

Rncho Domingz, CA

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: We repeatedly requested a loan modification from Rushmore Loan Management Services and even though my husband on XXXX and that was why we were looking for reduction from our 6.5 % interest they kept turning us down saying our income to debt ratio did n't fit their criteria for in home modification. We missed 3 payments, XXXX and XXXX XXXX and XXXX XXXX. Began sending payments again every month but starting XXXX XXXX Rushmore started denying acceptance of payments because we were n't paying off missing payments balance. Finally this month they denied our modification for the last time and demanded almost {$40000.00} in reinstatement quote including almost {$1000.00} in late fees and almost {$7000.00} in " Corporate Advances '' which were n't listed individually. Managed to get loan to pay this amount, then the Point of Contact called me after we XXXX cashiers check saying she had forgotten to include XXXX amount in quote and we owed another month. Agreed to reduce by the late fee. Also the value of house they also based part of denial on was taken from the web site XXXX. They never sent an appraiser to house. XXXX has our house incorrectly listed with more bedrooms than we have. We feel unfairly treated for consideration of a modification based on our loss of income from my husband working full time to being on XXXX. When they did deny us, they sent a letter stating what any of the numerous reasons might be without checking any specific denial reasons also.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2017-02-23

DE

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: I was in formed via letter from the mortgage company in XXXX that I no longer needed to pay PMI {$27.00}. I called the company XXXX as my statement did not reflect the new payment amount. I was told my new payment would be {$510.00} and it will take their system a couple of cycles to catch up. It 's XXXX and I 'm about to make my XXXX payment however my statement still does not reflect the new amount. I have been paying {$540.00} indicating on the payment stub that {$27.00} should be applied to the principle. I called the company today to inquiry and was told they were not applying the funds as I wanted. They were applying the funds to the escrow account because there would be a shortage. I was never notified of an escrow shortage in writing or when I called in XXXX. The company says they can not reverse the payments to the escrow account because of the shortage and I should be paying {$540.00} to cover it. Since I was not notified of the shortage I would like an escrow history. I would like the company to credit me the amount of money roughly {$27.00} a month for XXXX, XXXX and XXXX to the principle. I would like the company to correct any future statements with the correct payment amounts.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: Yes Timely Response

2017-02-22

Antelope, CA

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-21

Melbourne, FL

Loan servicing, payments, escrow account

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-21

Lewiston, NY

Settlement process and costs

Mortgage: Conventional fixed mortgage

Complaint: i am behind on my mortgage and was dealing with XXXX. Filled out the loan mod package and XXXX said I was denied. asked for an appeal ... then XXXX said I was approved without filling out another packet but my loan was being transferred to rushmore. My original loan was for 15 years from 2002. Rushmore is giving me the option to pay 40 dollars less for 20 more years. Am I wrong is thinking this is not right? I had already paid 13 years on a 15 year loan and rushmore wants me to agree with a n3ew 20 year mortgage???? it does n't make sense to me
Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-02-20

Atl, GA

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

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

Disputed: No Timely Response

2017-02-20

Glendale Heights, IL

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

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

Disputed: No Timely Response