RUSHMORE LOAN MANAGEMENT SERVICES LLC

2015-08-21

Atlanta, GA

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: On XXXX XXXX, 2015, I spoke with XXXX at Rushmore and confirmed all documents were received and sent to be reviewed. XXXX XXXX called the homeowner to ask for social security benefits documents and it was faxed over XXXX times. After confirming that the documents were received, Rushmore foreclosed on XXXX XXXX who is XXXX years old. XXXX XXXX has no where to go and the abuse that 's going on against the elderly must stop.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-21

Agua Fria, NM

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Complaint: I applied for a construction to permanent loan with XXXX XXXX in XX/XX/XXXX. With the builders contract, they required me to borrow more money than the contract to ensure the home 's completion. During the course of construction, the builder stole approximately the same amount of money which was over {$100000.00}, did n't complete the home, but XXXX XXXX closed the loan and made it a home mortgage loan ( not a construction loan ). The home was never completed and the builder sued for {$250000.00}. After two years of trials and arbitration, the builder lost but did not pay the award or legal fees. Home is still not completed. Before the suit started, I applied for a loan modification and was denied it because I had been paying my mortgage. When I could no longer pay for the legal fees and mortgage, I fell behind with my mortgage payments and was able to get into a loan modification program. It took over XXXX years and near the end of the process with XXXX XXXX ( I thought ), I paid over {$10000.00} in fees for the modification and after the last payment the loan was transferred to XXXX and then onto XXXX XXXX. I continued to work with XXXX XXXX on the modification for another year or so. On XX/XX/XXXX they approved the modification, and gave me XXXX hours to sign the documentation and return it to them. That same day my dad XXXX and was in the hospital. I did not check my email that day ( the notification for the modification was emailed ) because I spent the day in the hospital with my parents. The same day the loan was also sold to XXXX XXXX, effectively cancelling the modification. After some time, XXXX XXXX accepted the original terms of the loan modification. It is a XXXX yr loan with over {$300000.00} ( estimated ) in penalties added to the loan for time I was attempting to modify the loan. Last year the same loan was sold to Rushmore with the same conditions, although for many weeks it was unclear where I should send my mortgage payments, and I feared I was being set up again to fall behind in the payments. It is just very unfortunate that due to the predatory practices of XXXX, an unscrupulous builder that stole from the construction draws, XXXX XXXX continuing to issue the draws to the builder, and XXXX unwilling to help keep the loan from going underwater, I am now in a situation where I have a home I can not sell and a loan I will probably not be able to payoff in my lifetime. Added to this burden was the legal fees owed to save the house. Any help, assistance, advice, would be much appreciated.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-08-19

Harrisville, UT

Loan servicing, payments, escrow account

Mortgage: FHA mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-14

Fort Lauderdale, FL

Disclosure verification of debt

Debt collection: Mortgage

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

Disputed: No Timely Response

2015-08-12

Galena, OH

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-08-12

Silver Spring, MD

Loan servicing, payments, escrow account

Mortgage: FHA mortgage

Complaint: I finally got my modification finalized and I asked that the company put in writing that my mortgage investor does not participate in forgiveness of principal. I put this request in writing XXXX in the month of XXXX 2015. To date I have received no response. I was sent a form for automatic debit of my new mortgage payment and when it was n't debited I called in to find out why. They stated they were behind and would set it up. XXXX XXXX was my first payment date and nothing has been debited. All the credit bureaus are showing a past due mortgage balance and do not reflect my modification. I contacted my mortgage provider, Rushmore and they stated in XX/XX/XXXX this would be taken care of at the latest XXXX XXXX. Nothing has happened and I am being denied business loans. I have proof of all my claims, delivery confirmations, names of employees that I spoke with etc ....
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-11

Canyon Lake, TX

Loan modification,collection,foreclosure

Mortgage: FHA mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-10

Murray, UT

Loan modification,collection,foreclosure

Mortgage: FHA mortgage

Complaint: I am trying to get a modification on my home. I was first working with XXXX XXXX XXXX. XXXX XXXX XXXX had all the documents needed to start the underwriting process. My loan was then transferred to Rushmore Loan Management XXXX XXXX, 2015. When first contacting Rushmore in XXXX I was told they had none of my information from XXXX but was told it can take some time to get the documentation. When I called I was told that they were only given parts of the documents and the best thing to do was resend ALL information which I did. My case manager with Rushmore Loan Management has given me false information many times regarding my loan. Also when I spoke to her she said she needed more information faxed. I asked her to review the documents she did have and come to find out they already had the documents. I was then told that I needed {$20000.00} for a down payment if I wanted to save my home. If I had the {$20000.00} I would n't be having to try and get a modification in the first place. Also I asked her if she could please leave a voicemail if I do n't answer and leave me the information that they need. This has only happened once and she did n't leave a message with documentation needed she just left me her name and number. I am extremely frustrated and feel as if I am being mistreated by this company. I did not receive notice from Rushmore Loan Management that my house was being foreclosed on. I was notified by they trustee note taped to my door that my house is going into auction on XXXX/XXXX/15
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-05

Fort Lauderdale, FL

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-05

Woodland, WA

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Complaint: I 'm very upset! I am XXXX days away from my auction date and my bank is refusing to help me do a short sale on my home. I know that I am allowed a chance! Other short sale negotiators/realtors have told me I have a chance, too. I keep getting told that this is an automatic decline because there is " not enough time to review short sale per investor guidelines. '' I am working with a realtor who is a short sale negotiator and says that according to XXXX and XXXX XXXX, I can start the short sale XXXX days prior to the auction date while according to CFPB, I can start it XXXX days prior to the auction date. My loan is not a XXXX or XXXX XXXX but it 's owned by a private investor, which means I 'm still in the window to start the short sale prior to the XXXX days. I 'm very frustrated! My short sale negotiator is n't able to get anywhere and neither am I and this does n't feel right.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-04

Woodland, WA

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: Rushmore Loan Management Services LLC ( RLMS ) purchased my mortgage from XXXX XXXX XXXX in XX/XX/XXXX. I was assured the my loan payment would not increase, however, since XX/XX/XXXX, RLMS has continued to increase my loan payments stating variety of reasons such as home insurance increase, property tax increase and escrow shortage. I requested to have my loan account to be reviewed for the listed shortages and the company did not respond for 4-6 months. XX/XX/XXXX I received another report listed escrow shortage, this time much larger that the last. I am sending my written request to RLMS on XX/XX/XXXX for yet another investigation in the shortages. My home insurance and property tax increased for an annual total of {$97.00}, not even close to what the RLMS ' shortage amount of {$780.00}! Please advise on proper legal action so that this company does not commit fraud.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-03

Lansdowne, VA

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-31

NJ

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: REF : XXXX XXXX, XXXX XXXX XXXX, XXXX, NJ Date 7/31/15Rushmore Loan Mortgage, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX - Loan Office of President- REF Loan # XXXX ss # XXXXThis is a dispute about Rushmore taking over loan from XXXX. in XX/XX/XXXX and that they are double escrowing me on taxes when taxes are paid and Rushmore ck sent to taxes I reimbursed XXXX XXXX ) plus double paid taxes in XX/XX/XXXX. The amount taken over from in 1st mortage {$46000.00} with all errears and no escrow balance ( settled XXXX. Rushmore is asking for {$210.00} in escrow a month when qtr taxes are {$330.00} XXXX est. {$110.00} a month ) plus they are aware they I disputed this in XX/XX/XXXX at initial conception. They mis-appropiate my regular payments towards an account called " other '' and they have also have unapplied money on account totaling over {$1200.00}. They claim over XXXX owed immediatedly or threat to foreclose. This is a low income unit and is protected by C.O.A.H. Please look at misc debit postings of {$11.00} unexplained. Late charges of {$25.00} by which my registered mail can dispute. I made a complaint with Banking and Insurance. I went to Fair Housing and received counseling from XXXX XXXX. I am getting negative resolution from Rushmore and want re-posting of all my regular payments to appropiate months split with part going towards principal and part interest like it should have been from the start. Since they are not sending checks to XXXX XXXX except for the {$330.00} I reimbursed them and paid XXXX also ( double paid ) carrying me through 4th qtr. Please help me. I am a single mom raising a child with XXXX. My documents are attached to this complaint.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-30

E Farmingdale, NY

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-27

Falls Church, VA

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-27

Kansas City, MO

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-07-25

Los Gatos, CA

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-24

Canyon Lake, TX

Loan modification,collection,foreclosure

Mortgage: FHA mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-24

Aurora, CO

Loan modification,collection,foreclosure

Mortgage: FHA mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-07-23

Brighton, UT

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-22

Zephyrhills, FL

Loan modification,collection,foreclosure

Mortgage: FHA mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-21

Middleburg, FL

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-21

Ann Arbor, MI

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: My wife and I experienced financial difficulties in XXXX. We requested a loan modification from the servicer of our mortgage. Initially we were told that we had not submitted sufficient financial information. This was rectified within two days. Then the servicer lost the new information. Within a few weeks we were informed that the information had been found and that our request was being processed. Five months elapsed with regular contacts from us but no response to our modification request from the servicer. Then the loan was sold to another holder and the servicer was changed. The new servicer told us we would likely qualify for a modification, but that we would have to submit all new financial information, which we did. In response, we received a short sale offer. We protested that we were requesting a loan modification. Many months passed and then the servicer requested all new financial information, which we provided. Again many months passed and again we were offered a short sale. When we refused the short sale, the lender began a judicial foreclosure. After a few years in court, the judicial foreclosure was settled with a loan modification. XXXX parties waived any claims arising out of events prior to the settlement except as to the obligations identified in the Settlement Agreement. This took place in XX/XX/XXXX Since then we have made all required payments on time. Nonetheless XX/XX/XXXX, our mortgage statements began including the statement that we owed {$3300.00} as " recoverable advances ''. Neither this sum, nor the concept of " recoverable advances '' was mentioned in the Settlement Agreement. We have written to the servicer asking for an explanation of this charge. Our most recent request was on XXXX XXXX, XXXX. On XXXX XXXX, the servicer sent a reply stating that it would require additional time to review our inquiry but that a response would be forthcoming within 15 days. None has been received, and our most recent statement, dated XXXX/XXXX/XXXX still shows " recoverable advances '' of {$3300.00}.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-20

Campton Hills, IL

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-16

Franklin Lks, NJ

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response