Real Time Group, Inc. CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
01/02/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	CA 95148	Web
Dear Sir/Madam, After performing diligent search for verification of information gleaned from the World Wide Web, the below has been found. All information herein or herewith is drawn from sources, as cited, of integrity. Verification comes from statements issued by The United States, STATE of California, their regulatory agencies and manuals ; and from government and private instrumentalities. With those sources in mind certain conclusions appear which ARE stated as personal legal determinations. Further, your duty to produce documents is required by law. You will find certain forms referenced herein or herewith showing the final basis for the conclusions. The request for assistance is based on mistakes. Being that mistakes on both sides of the contracts, or, presumptive contracts, more likely are apparent. It is believed that working together will solve the issues herein and herewith. Therefore, it is formally requested that assistance be provided by Sir/Madam of XXXX XXXX XXXX, XXXX, and all its agents or employees in closing the matters timely and quickly. Appendix A is the OVERVIEW of what we discovered that the bank has done with the NOTE, that the fact is the NOTE is our promise to pay, XXXX XXXX XXXX, XXXX, hereafter referred to as the Alleged Bank/Lender ( s ) /Servicer ( s ), has monetized our NOTE and turned it into a cash item, and used the Deed of Trust as security for the NOTE. As a result, the Alleged Bank/Lender ( s ) /Servicer ( s ) did not loan its own assets, it loaned credit, a FRAUD, FRAUD IN THE INDUCEMENT, FAILURE OF CONSIDERATION, CONSTRUCTIVE FRAUD, done in CONSPIRACY, an utterly void and without value transaction. All of this is supported and shown by escrow documents as detailed under Appendix B. Appendix C will show the core issue that there is no contract with the Alleged Bank/Lender ( s ) /Servicer ( s ), and will also show the reasons that there is no standing or capacity for the Alleged Bank/Lender ( s ) /Servicer ( s ) ; which leads to our conclusion that the Alleged Bank/Lender ( s ) /Servicer ( s ) has no entitlement, no legal protections without the production of the contract exhibiting all the necessary requirements of a contract by operation of law. No contract, no standing. No standing, no claim. No claim, no defense. If at any time you find error in this presentment, it is formally, under contract and trust terms, requested that statement exposing such be disclosed. As a layman at law, the legal determinations herein are of a personal, private nature and Alleged Bank/Lender ( s ) /Servicer ( s ) is required to hold this privacy unless consent is given to disclose this instrument to any one. As these matters are very, very, serious for all parties, it is believed cooperation in closing out the issues is paramount. This letter is our act of good faith to correct mistakes. This letter offers release for what could be found to be illegal acts. This letter provides opportunity for all parties to mortgage # XXXX ( XXXX XXXX XXXX. XXXX ) and # XXXX ( XXXX XXXX, XXXX. ) to be made whole. Failure by Alleged Bank/Lender ( s ) /Servicer ( s ) to act will be recorded as fact showing intent to deceive, fraud, conversion and other felonies by bank officers. This is simply because the corporation, Alleged Bank/Lender ( s ) /Servicer ( s ) is incapable of felony as it is merely a piece of paper. SYNOPSIS We made mistakes in relying on certain acts by Sir/Madam and XXXX XXXX XXXX, XXXX Our reliance was done in contact with professionals operating the mortgage/bank systems. In short, our reliance was induced under professional standard, in our expectation of good faith and clean hands. Since we discovered these errors, a choice to believe said errors are founded on mistakes is foundational for this instrument. In the event Sir/Madam of XXXX XXXX XXXX, XXXX chooses to assist in correction of these mistakes, the following will make us whole and exhibit clean hands by XXXX XXXX XXXX, XXXX 1. The Deed of Trust is cleared of any claim by XXXX XXXX XXXX, XXXX with the transfer of clean title back to XXXX XXXX XXXX and XXXX XXXX XXXX. 2. The cash/current funds expended during purchase of XXXX XXXX XXXX XXXX, California, XXXX including of all outlays and payments is to be reimbursed by XXXX XXXX XXXX, XXXX 3. We will issue a new XXXX XXXX for the full value of the purchase price and all expenses in favor of XXXX XXXX XXXX, XXXX with a new XXXX A abandoning those funds to XXXX XXXX XXXX, XXXX ( Or, in the alternative, issue release of those funds via letter of instruction. ) 4. The parties agree to hold the other harmless for all acts and omissions prior or future ; unless new evidence of a compelling nature is disclosed. It is believed these four ( 4 ) items will make both parties whole in an open transparent manner which corrects all mistakes by any party. Counter presentments are welcome so long as both parties are closed as to liabilities. Again, please advise us if there is anything incorrect or unfair in what is stated herein. Be advised that in the event these issues are not settled in a reasonable amount of time, seven ( 7 ) days seems appropriate, we will take all appropriate action. In contemplation of corruption of these issues and to prevent abuse of process, this instrument is placed in a time vault, on the World Wide Web ready for massive dissemination. We look forward to resolving the exposed mistakes timely and quickly. Done this XX/XX/XXXX, as stated under pains and penalties of perjury under the laws of the United States of America and the State of California. Appendix A OVERVIEW 1. NOTE is our promise to pay at a future time, labor backing both the NOTE and all current funds circulating as currency. 2. Monetizing or securitizing the NOTE turns it into a cash item. 3. Deed of Trust is security for the NOTE. Trust law reverses rules of evidence, Trustee must prove good faith, full disclosure and proper procedures for operations. 4. Escrow is the transfer point between seller, buyer, Title Company, so called lender, where the NOTE is exchanged for deed. 5. Alleged Bank/Lender ( s ) /Servicer ( s ), issued check to escrow under internal request procedure. At time of issuing audits will expose that there is no evidence verifying : a ) source of money ; b ) owned by bank ; c ) at time, or later, of issuing check, all of which is available as proof via public records of corporation. 6. Alleged Bank/Lender ( s ) /Servicer ( s ) issued NSF ( non-sufficient funds ) check. 7. Alleged Bank/Lender ( s ) /Servicer ( s ) never possessed the NOTE until after transfer between seller and buyer, deed for check. 8. Deed of Trust executed at closing of escrow is security for the NOTE. 9. Alleged Bank/Lender ( s ) /Servicer ( s ) later records as sent, NOTE to offset the liability of check. 10. Alleged Bank/Lender ( s ) /Servicer ( s ) records, audited statement, shows conclusively that Alleged Bank/Lender ( s ) /Servicer ( s ), loaned credit, buyers credit, which took place at escrow closing. 11. Alleged Bank/Lender ( s ) /Servicer ( s ) did not loan its own assets, it loaned credit, not even theirs, an ultra vires act, illegal under law and regulating authorities. A FRAUD, FRAUD IN THE INDUCEMENT, FAILURE OF CONSIDERATION, CONSTRUCTIVE FRAUD, done in CONSPIRACY, ISSUE A FRAUDULENT SECURITY, an utterly void and without value transaction. 12. Transfer of Title to registry systems or second servicer is fraudulent. 13. Bank claims abandoned funds after three ( 3 ) years. This is double payment and never disclosed. 14. Deed of Trust is fraudulent, resulting in defective Title, unmarketable title. Appendix B Each of these statements is shown by escrow documents. The Alleged Bank/Lender ( s ) /Servicer ( s ), or so called lenders acts are shown as follows : 1. Balance sheet relating to the original loan, shows ledgering of the account as required to be reported and open knowledge under 12 USC 242, 347 and proved by XXXX reports available from IRS. 2. The XXXX XXXX prospect reports shows filing facts concerning the security issued under the note and Deed of Trust without reporting bases of the derivative. 3. Securities and Exchange Commission Reports S 3 A shows the sale of the note and form of item sold. 4. FASB ( Financial Accounting Standards Board ) forms 125, 133, 140, 5, 95 guides an auditor to the liability side of the banks books, exposing exactly where the money came from and shows where it went and under what procedure and instrument. 5. The NOTE as negotiable instrument falls under UCC. 6. There is never a receipt given for the deposit of value. 7. 12 USC 1813 ( L ) ( I ) discloses that deposit of a promissory note is cash to the Alleged Bank/Lender ( s ) /Servicer ( s ). The Alleged Bank/Lender ( s ) /Servicer ( s ) s cash is our cash, not the Alleged Bank/Lender ( s ) /Servicer ( s ) ; the proof is the bogus loan paper. 8. There was never a receipt issued for the cash deposit. 9. The notes transferred at a transaction account creates an asset on the payable side of the ledger ; while on the liability side of the ledger, the NOTE issued by the presumed buyer/borrower is sold after monetizing. 10. First funds transfer or hold absolute right to the NOTE or cash equivalent. 11. XXXX XXXX identifies the principal issuer. Deed of trust is required to be registered as evidence of debt. Notes are not so required. Sale of unregistered security sets up right of rescission as a property right absolute. Conclusion based on evidence publicly available is that the transaction between buyer and Alleged Bank/Lender ( s ) /Servicer ( s ) is a fraud. The mistake may have resulted from standard practice, procedures, application on part of Alleged Bank/Lender ( s ) /Servicer ( s ) or, it may not. In either instance the predicate facts are result in the issues herein. Appendix C In Appendix B, we discovered that the whole mortgage was a fraud from the beginning. XXXX XXXX discovered the core issue is that there is no contract with the bank, there is no standing or capacity for the Alleged Bank/Lender ( s ) /Servicer ( s ), its agents and its servicers because : 1. We have no contract with the Alleged Bank/Lender ( s ) /Servicer ( s ). 2. The Alleged Bank/Lender ( s ) /Servicer ( s ) never placed on the files of this matter its corporate delegation, or its minutes authorizing to entry into a contract with us. 3. There is no officer identified with corporate authority attached or corporate authority to engage a contract with us. 4. The corporate charter for Alleged Bank/Lender ( s ) /Servicer ( s ) does not authorize its taking of our note to fund a Alleged Bank/Lender ( s ) /Servicer ( s ) s liability, escrow check, exchanged for issuers, our note, obligation to pay at close of escrow on specific time line. 5. The Alleged Bank/Lender ( s ) /Servicer ( s ) issued a NSF ( non-sufficient funds ) check to escrow prior to having possession of the assets, NOTE issued by us. 6. The Alleged Bank/Lender ( s ) /Servicer ( s ) s charter, state law and federal law do not authorize Alleged Bank/Lender ( s ) /Servicer ( s ) to lend credit, no matter the source of the credit. 7. The Alleged Bank/Lender ( s ) /Servicer ( s ) s charter limits the Alleged Bank/Lender ( s ) /Servicer ( s ) to specific acts ; all acts outside its legal or corporate authority being ultra vires, of no effect, utterly void. In this matter, the payments made by us to the Alleged Bank/Lender ( s ) /Servicer ( s ) were induced under fraud, the illegal acts above, which voids any claim by Alleged Bank/Lender ( s ) /Servicer ( s ). The creation of debt by lenders, the Deed of Trust and Promissory Note, payment of or agreement to pay money to the debtor, the Alleged Bank/Lender ( s ) /Servicer ( s ), or to a third party for account of debtor, the Alleged Bank/Lender ( s ) /Servicer ( s ), is not a contract. Assumption of contract being in place for collection process requires that the contract be produced ; it is never produced because there is no contract. The creation of debt by a credit to an account with the lender, Deed of Trust and Promissory Note, upon which the debtor, the Alleged Bank/Lender ( s ) /Servicer ( s ), is entitled to draw immediately such as the NSF check exchange for the NOTE, does not create a contract nor obligation. Failure by Alleged Bank/Lender ( s ) /Servicer ( s ) to produce bona fide contract is admission to inducement to part with valuable consideration in exchange for nothing but a different instrument. None the less, the only value issued is by us, which is able to be shown through Alleged Bank/Lender ( s ) /Servicer ( s ) documents which are public record, audits and corporate reports. We will, if needed, subpoena the records mentioned above in order to prove the points herein. The Alleged Bank/Lender ( s ) /Servicer ( s ) appears to have failed : to operate under these legal principals, covered by, UCC , the laws governing consumer credit and usury, the providing of rate ceilings to assure adequate supply of credit to consumers ; to educate consumers for understanding the terms of credit transactions ; to keep so called lenders honest through competition for credit at reasonable cost ; to protect so called consumers against illegal acts ; to keep fair and sound consumer credit practices ; to comply with FEDERAL TRUTH IN LENDING ACT ; and to equalize all jurisdictions. Consumers in the above context are XXXX XXXX XXXX and XXXX XXXX XXXX. In reality the Alleged Bank/Lender ( s ) /Servicer ( s ), XXXX XXXX XXXX, XXXX XXXX the consumer of our credit, who issued that product, the NOTE, promise to pay, representing labor as the source of value. The Alleged Bank/Lender ( s ) /Servicer ( s ) did not provide the goods, the NOTE or the labor backing it, did not manufacture the credit represented by the NOTE. None the less, the user of the product, the NOTE representing real value, labor is the buyer of the NOTE through a fraudulent inducement as outlined above, which is the Alleged Bank/Lender ( s ) /Servicer ( s ). The Alleged Bank/Lender ( s ) /Servicer ( s ) as outlined herein has no entitlement, no legal protections without production of the contract exhibiting all the necessary requirements of a contract by operation of law. No contract, no standing. No standing, no claim. No claim, no defense.
07/20/2018	Yes	Mortgage Home equity loan or line of credit (HELOC)	Closing on a mortgage	NV 89149	Web
In XXXX, I secured a mortgage with XXXX XXXX. In XXXX, XXXX was given to XXXX XXXXXXXX XXXX ; however, at the time, my wife and I did not know that was the case. Therefore, we paid our regular house payment to XXXX. Two weeks later, XXXX returned the check to us, stating that it had been absorbed by XXXX XXXX XXXX and that we would now be making our house payments to XXXX XXXXXXXX XXXX. Based on the financial crisis that was occurring across the United States, XXXX XXXXXXXX XXXX asked if we would be interested in securing a home modification. We stated that we would and XXXX XXXX XXXX directed us to stop making payments on our home. When we stated that we were not comfortable with that ; XXXX XXXXXXXX XXXX stated that we could simply reduce the amount that we paid each month and that they would start the modification process. XXXX had also provided us with a HELOC, which was now turned over to XXXX XXXXXXXX XXXX as well and we were advised not to make any additional payment to XXXX on our HELOC and that all payments must now go to XXXX XXXX XXXX. Although we were excited about a possible loan modification, after four months, XXXX XXXXXXXX XXXX stated that the based on our delinquent account, it would not be able to modify our loan and that we would be foreclosing on our home. At that point, I stated to the XXXX XXXX XXXX representative that we were only delinquent on the amount that XXXX XXXX XXXX had advised us to reduce off our mortgage to qualify us for a modification. To say this was a shock to us is an understatement. I was floored. We had done exactly as XXXX XXXX XXXX had instructed, and now we were going to lose our home. I started calling XXXX XXXX XXXX 5-6 times a day to try and find someone who would help us out of this situation. My calls went nowhere and XXXX XXXXXXXX XXXX stated that they were going to place our home up for sale at the court steps in XXXX XXXX. We could not believe how deceitful it had been. However, as we now know, based on the lack of actual paperwork that XXXX XXXXXXXX XXXX had on our home, based on XXXX lack of disclosures and quality control, it did give us a loan modification. On XX/XX/XXXX, XXXX XXXXXXXX XXXX sent us a XXXX XXXX that stated that the loan modification was effective for only a matter of 72 hours and that if we did not get the paperwork back to it by the XX/XX/XXXX, it would revoke the modification offer. We ran down to XXXX XXXX, signed the paperwork and we believed had modified our first and our second loan. The second loan was also issued by XXXX, in XXXX. What XXXX XXXX XXXX did not tell us is that it had already sold our second loan off to a company called Real Time Resolutions , Inc. We were not aware that the second was not included in the modification and we were not aware who or what type of company XXXX XXXX XXXX was or how it played a role in our life. To this day, I still have no understanding of how our HELOC made its way to Real Time Resolutions , Inc. ; why it was sent to Real Time Resolutions , Inc., and what Real Time Resolutions , Inc., is, other than a corporation that is in business to prey on individuals at their weakest moments and reject offer upon offer to settle any dispute. Currently, I am attempting to sell my home and Real Time Resolutions , Inc., states that I owe it {$84000.00}. I have tried to negotiate with the company ; I have called the company countless times and I continue to simply receive the same answer, which is that it will get back to me at some point in time. It has gotten so bad, that I had my attorney send Real Time Solutions the following letter. Its response was that it would get back to me at some point. From : XXXX XXXX [ mailto : XXXX ] Sent : Monday, XX/XX/XXXX XXXX XXXX To : XXXX XXXX Cc : XXXX XXXX ; XXXX XXXX XXXX XXXX : Pursuant to our phone conversation today, I have been instructed to send you the Nevada law which states that a mortgage note is invalid and unenforceable after 6 years from breach or non-payment of the mortgage. NRS 11.190 provides for a limitation on the time for filing certain actions, as follows : NRS 11.190 Periods of limitation. Except as otherwise provided in NRS 40.4639, 125B.050 and 217.007, actions other than those for the recovery of real property, unless further limited by specific statute, may only be commenced as follows : 1. Within 6 years : ( a ) Except as otherwise provided in NRS 62B.420 and 176.275, an action upon a judgment or decree of any court of the United States XXXX or of any state or territory within the United States , or the renewal thereof. ( b ) An action upon a contract, obligation or liability founded upon an instrument in writing, except those mentioned in the preceding sections of this chapter. -NRS 11.190 ( 1 ) [ emphasis added ]. NRS 11.200 provides clear and unambiguous guidance as to how the limitation period in NRS 11.190 : NRS 11.200 Computation of time. The time in NRS 11.190 shall be deemed to date from the last transaction or the last item charged or last credit given ; and whenever any payment on principal or interest has been or shall be made upon an existing contract, whether it be a bill of exchange, promissory note or other evidence of indebtedness if such payment be made after the same shall have become due, the limitation shall commence from the time the last payment was made. -NRS 11.200 [ emphasis added ] Even if your attorneys argue that the " breach '' was 30 days after the last payment was made, then the 6 year time still has run over three years ago. See, XXXX v. XXXX, 903 P. 2d 222, 224 ( XXXX XXXX ). There simply is no law in Nevada that says the six years starts to run after maturity of the loan. In Nevada it runs six years from the breach. As such, the note is unenforceable and my clients have no legal obligation to pay. Further, they will not pay any amount owed under the expired note. However, in order to avoid a legal battle my clients have authorized me to offer a settlement of {$7500.00} for release and reconveyance of lien, as long as the same is approved immediately. If this amount is rejected they are going to withdraw the settlement offer and fight this in court. I will calendar your response for tomorrow end of business. XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, Nevada XXXX XXXX ( tel ) XXXX ( fax ) XXXX XXXX ( ( short sale fax ) XXXX XXXX As this letter addresses , Real Time Resolutions , Inc., has no claim against my family, my home, my children or myself, however, it continues to hold up the close of our home, which is on the brink of falling apart. I have offered to pay Real Time Resolutions , Inc., one lump sum ; I have offered to settle the debt, although I do not believe that they have any claim, in any regards. However, they continue to act in a predatory manner toward me and simply are looking to create undue stress on my wife and our XXXX children, ages XXXX. I have offered to pay Real Time Resolutions , Inc., {$5000.00}. I have offered to pay Real Time Resolutions , Inc., {$7500.00}. It will not respond. Additionally, Real Time Resolutions , Inc., will not show me that it is in possession of ( 1 ) Copies of all documents pertaining to the origination of my mortgage including my loan application, Right to Cancel, Deed of Trust, note, adjustable rate note, Truth in Lending statements, Good Faith Estimate ( GFE ), HUD 1, appraisal ( including comparable properties, which were used to arrive at value for the above loan, and all required disclosures. These copies should be legible and all documents shall be copied in their entirety. ( 2 ) A copy of the loan history including all payments made, all fees incurred, what has been paid out of the escrow account, and how all payments were applied. This information should cover the entire life of the loan. I simply want to move on with my life. Real Time Resolutions , Inc., is holding me hostage ; it is creating a terrible environment for my family and it continues to ignore the laws and statues that it is required to stand by as a company doing business in the credit industry in Texas. If Real Time Resolutions, Inc., does not have a copy of the original note, in regards to my loan or it does not have documentation, it must expunge my title and allow me to sell my house. I feel as though I have nowhere left turn and I beg of you to help me communicate with the owners of this company to simply come to a resolution. I have used all of the power that I have to fight this company and I can not get past point 1. Please help me. Please. I feel helpless, powerless against this company.
03/07/2022	Yes	Debt collection Mortgage debt	False statements or representation Attempted to collect wrong amount	CA 90061	Web
XXXX XXXX Regarding : Notice of Default I am submitting this complaint against Real Time Resolution due to a Notice of Default filed against my property. I believe my Homeowner Rights were violated, in addition, other rights may have been violated, ( Real Estate Settlement Procedures Act, The Truth in Lending Act ). the foreclosure was filed with inaccurate information the company failed to correct before filing the Notice of Default on my property. XXXX have sent me documentation for approximately 7 years with the wrong billing amount, percentage rates, and account balances, although I disputed and tried to tell them the information was incorrect, nothing changed. History of Loan : The Original servicing company is XXXX XXXX XXXX, this company I tried refinancing the loan with in XXXX before falling behind, the application was denied. I was told the application was denied because I did not meet Demographics. The Original servicer denied my application based on characteristics ( Discrimination ). This company talked me into signing into the bad loan saying they would refinance me after making so many payments to my unknowing the company had no intensions to refinance the loan. I will soon fall behind on payments and the loan was charged off. The understanding I have now is the loan was sold to XXXX who Breached the Contract by not Notifying me of the Transfer. I have no clue when this company started servicing the loan because I did not receive a notice to notify me the loan was transferred. The company violated my Homeowner Rights and as of today Real TimXXXX Resolutions is still violating my rights. Since Real Time Resolution company took over the loan, they have practiced bad business and refused to correct the mistakes they made month after month with sending me inaccurate billing statements. Although I expressed to the company the monthly payment, percentage rate and balance was incorrect the company made no attempts to make corrections, however, continued to pursue payments. On XX/XX/XXXX I submitted a Loss Mitigation application to Real Time Resolution with a letter attached indicating amount I am willing to pay due to their negligence and wrongful conduct. The company sent me monthly billing statements for years knowing the bill was full of errors. Real Time Resolution only identified themselves as the new servicer when I sent them a Debt Verification Letter. Up until XX/XX/XXXX I received nothing from this company but fraudulent bills. The Contract was Breached. The company states they took over the loan in XXXX and is requesting to collect payments from XXXX. The company has recently emailed me documents to indicate they did notify me, which is not the truth, and I dont know where those documents came from as documents are easily created and can be used to deceive. I have never received any said documents from XXXX nor any other company. Again, my first notification the account Transferred was in XX/XX/XXXX. In addition, when I requested Debt Verification its odd that not one of those letters was with the packet the company sent to me in XXXX. Am I suppose to acknowledge documents I received 7 years later, regarding the Transfer of the account. It is not right for the company not to be held accountable for their negligence and wrongful conduct. XXXX company has a history of not notifying clients and now I am a victim of their Fraud, Negligence, and Deceit. I have so many documents with different amounts and dates, nothing is adding up, and nothing makes sense, this company is committing Fraud. XXXX company is blaming another company for changing the amounts on the billing statement to justify why they have consistently sent monthly billings full of errors for years. XXXX is blaming XXXX for the mix up but fail to acknowledge there is a Contract. I signed a Contract and XXXX ignored it. It was Real Time Resolution responsibility to make sure the billing information was correct and even after I tried to tell them and XXXX the information was inaccurate ; I was not heard. As a borrower I have the right to dispute the inaccuracies in billing this company has tried to make me pay on inaccurate billing even though they have documents to verify the correct payment amount. It was XXXX responsibility to correct mistakes and they didnt until XXXX but trying to charge me from XXXX, THATS FRAUD. I disputed the company inaccuracies with the Credit Reporting Agencies and Real Time Resolution was removed from my Credit Report by all Reporting agencies. And, even after the dispute, the company did nothing to correct mistakes and continued to send inaccurate billing statements. It is not right for the Borrower to be held accountable, but the Servicer have no accountability for their wrongdoing and fraudulent behavior. As of XX/XX/XXXX, the company sent me a notice saying my Loss Mitigation application is received and complete. However, I have not received any options on how to resolve this issue. The company have sent me billing statements where they have attempted to correct years of mistakes, however the company is not acknowledging this is years later of them being negligence and knowingly displaying wrongful conduct. The amount on the Notice of Default is incorrect and the company is still trying to seek full payment as though it Is no Laws to hold them responsible for being negligence and violating consumer rights. I have been trying to get in touch with the Trustee company XXXX XXXX XXXX XXXX ( XXXX ) XXXX to confirm they are aware the foreclosure is put on hold until the company provide me with Alternative options to Resolve the Loan. However, this company is operating just as Real Time Resolutions not answering and not returning my phone calls, violating rights. The company have not called me back and they do not answer their phones. The company may continue to Violate my Rights by illegally proceeding with the foreclosure before providing me with options to a Fair Alternative Option Plan. XXXX is asking me to pay Attorney fees for their negligence, what am I paying their Attorney fees for if the company wasnt trying to commit Fraud there wouldnt be Attorney fees. BAD BUSINESS. XXXX recently emailed documents to me and 85 % of those documents I have never seen. To my understanding the company has until XX/XX/XXXX to provide me with options and so far, I have not received any type of resolution. However, the Default Notice was filed on XX/XX/XXXX.
02/01/2018	Yes	Mortgage Home equity loan or line of credit (HELOC)	Applying for a mortgage or refinancing an existing mortgage	CA XXXXX	Web
In early XXXX, I applied for a modification on my home. XXXX XXXX XXXXXXXX ( XXXX ) had acquired the 1st and 2nd, which was a HELOC, from XXXX. I just learned last week that XXXX XXXX XXXX sold the second in XX/XX/XXXX, shortly after they received my HAMP application. I learned this week that it was sold to XXXX XXXX XXXX XXXX ( XXXX ). XXXX never advised me that they sold the 2nd and I have never heard from XXXX ( the buyer ) nor Real Time Resolutions , Inc. ( RTR, the company that services the loan for XXXX ). In XXXX, while still trying to get the modification through XXXX, I filed Chapter XXXX bankruptcy. Once the Chapter XXXX against all non-secured creditors was discharged ( on XX/XX/XXXX ), my attorney filed a Chapter XXXX against the secured creditors. At the time of this filing, the house was appraised at {$150000.00}. The balance on the 1st was {$280000.00} and the balance on the 2nd was approx. {$67000.00} plus. In XXXX, the lender for the 2nd reported to XXXX that the loan had a XXXX balance. On the XXXX report dated XX/XX/XXXX, it shows that the loan was paid XX/XX/XXXX and closed XX/XX/XXXX. In XX/XX/XXXX, the court dismissed the Chapter XXXX. When I talked to my attorney, she indicated that it was dismissed because we were in the process of getting the modification. Since I was not made aware that the loan was sold, the attorney nor I knew that we needed to complete the Chapter XXXX ; which would have resulted in the 2nd being stripped since there was no equity in the home. Because neither XXXX nor XXXX/RTR informed me of the change, it was believed that the 2nd was included in the modification. On XX/XX/XXXX, XXXX had advised me that if they had not sold the loan in XXXX, it would have been included into modification. After going through all of the hoops for almost 4 years with XXXX and after hiring an attorney, XXXX finally approved the modification in XX/XX/XXXX and it was finalized in XX/XX/XXXX, after making three monthly payments on time. If any of these three monthly payments had been missed or even one day late, the modification would not have been finalized. At the time the modification was approved, the balance due XXXX XXXX XXXX was {$320000.00} and the house was appraised at {$170000.00}. We had thought that this included the HELOC ; however, I just found out that XXXX did not include the 2nd in the modification because it was sold to XXXX. All of this was discovered on XX/XX/XXXX, during my process of refinancing my home so that I can pay the federal and state tax liens and the medical bills we have incurred due to my husband becoming a XXXX XXXX and having many XXXX XXXX. The refi lender had asked me why the 2nd lien was still showing, I advised them that it was part of the modification with XXXX and should go away once we refi is completed. When we tried to get XXXX to provide a Release of Lien due to the modification, we were informed that the loan had been sold in XXXX. It was during this conversation that we were told it was sold to RTR. XXXX gave me the contact information to RTR. When I called RTR on XX/XX/XXXX, the call was transferred to XXXX XXXX of the Bankruptcy Dept.. At this time I was told that my balance is {$86000.00}. When I asked him why they never notified me during the seven plus years they have held the loan, their response was because I was in bankruptcy. When I asked them why they didn't contact me after the bankruptcy was over, I was told that I didn't have to pay the loan. Since, he said that, I then asked him to send me the Release of Lien. He said he would not send me the Release of Lien until the 2nd was satisfied. In practically the same sentence, he tells me I do not have to pay the loan and that they will not release the lien unless I do. When I called RTR again on XX/XX/XXXX, I talked to XXXX of the same department, I was told that RTR was not the buyer, that they only service the loan. It was then that he advised me that XXXX was the buyer. He repeated that I didn't have to pay the lien and that the only way they would release it was if I satisfied it. When I told him there was not enough equity, due to the 2nd that I had no knowledge still existed, he said they would do a short sale but I would have to fill out paperwork and provide documentation regarding the value of the home, etc. I believe that XXXX/RTR intentionally neglected to notify me that they were the new lien holder. In addition, they willfully neglected to send me statements of any kind over the seven plus years since they acquired the lien. They knew that I was in a Chapter XXXX process and that I was in the process of modification with XXXX. They are now holding my property hostage. They have committed intentional neglect and unethical and unscrupulous business practices against me which, if the refi does not go through, will cause me a great deal of financial harm and physical and emotional stress. The company that is trying to do the refi for me are the ones that recommended that I report XXXX, XXXX, and RTR to CFPB. I am doing so because I do not want these companies to continue to impose these harmful business practices on other non-suspecting consumers as myself.
05/17/2021	Yes	Mortgage Home equity loan or line of credit (HELOC)	Struggling to pay mortgage	CA 90044	Web
I had an extremely predatory ( HELOC ) second mortgage 14 years ago that Real Time Resolutions , Inc. ( RTR ) is now attempting collect. I have spent the last year attempting to get their agents to work with me, but can not seem to get any positive results. I have made several attempts to cut through the red tape with no luck at all. I was not even designated a single point of contact until last week. I am now facing foreclosure, and need your offices help to resolve my current mortgage crisis. I have sent Real Time Resolutions an official ( QWR ) Qualified Written Request as it pertains to the the accounting of any and all payments received by the firm they represent. I also sent a Request For Production Of Documents of any and all loan origination documentation, XXXX loan application and loan disclosures bearing my signature, any and all assignments, service transfers and change of beneficiaries including but not limited to those recorded through ( MERS ) Mortgage Electronic Registration Service data base related to the subject property. I refuse to lose my home in this way! A NOTICE OF DEFAULT WAS FILED ON XX/XX/XXXX. On XX/XX/XXXX, during a telephone conversation with RTR agent, XXXX XXXX XXXX, she stated that XXXX was the part of the loan origination process then retracted her statement stating that they, XXXXXXXX XXXX was NOT in any way part of the loan origination process or the loan at all. Her statement is absolutely false! The HELOC originated by XXXXXXXX XXXXe was predatory lending at its best. The original loan amount was {$57000.00}. RTR is now attempting to collect approximately {$97000.00}. I contacted RTR and requested that the XXXX be rescinded to offer me the opportunity to secure a cash-out refinance of my first mortgage, which would afford me the ability to negotiate a settlement for a lessor amountmy request was denied. Real Time Resolutions and its agents would rather put a senior citizen out of her home and into the streets during a world pandemic. This is unacceptable and I refused to lose my home! In XXXX, I acquired my home by signing a purchase money loan originated with XXXX XXXX I also acquired a HELOC with XXXX. I tendered our mortgage payments on time, as agreed. However, in XXXX, I lost the tenants who occupied the second unit due to non-payment. I have struggled to re-rent the unit with short term tenants off and on for approximately 14 months. I have done the best I could to keep up with the first mortgage payments, going as far as depleting my savings and reserves, but eventually fell behind on my home loan and have currently been moved into forbearance. And to compound matters I lost my spouse in XXXX resulting with me losing approximately 50 % of my household income. There is substantial evidence that XXXX XXXX, the mortgage originators of my HELOC, routinely disregarded their own guidelines and granted exceptions without proper justification. Moreover, XXXX agents knew, or in the exercise of due diligence should have known, that numerous statements contained in the loan origination documents with regard to the efficacy of the underwriting guidelines and the processes used to XXXX exceptions had no reasonable basis. Consequently, the statements in and omissions within the loan application and origination documents regarding the subject mortgage originators ' underwriting guidelines rendered the documents materially false and misleading. Additionally, XXXXnt XXXXXXXX LTV ( Loan-To-Value ) ratios were based on appraisals that were inflated as a result of conflicts of interest and inappropriate influence by the mortgage originators who sought to ensure that the appraisals came back at a high enough level to support the loan amount. But the severe flaws in the appraisal process were not disclosed in the loan origination documents. Consequently, the statements in and omissions within the loan origination documents regarding the LTV ratios and appraisal standards rendered the loan origination documents materially false and misleading. Therefore, based on the foregoing, pending the outcome of my investigation and any evidence XXXX presents as a result of my QWR Qualified Written Request, I may have no choice but to consider filing a Quite Title cause of action or Bankruptcy in an attempt to have the lien stripped. XXXX XXXX XXXX agents only offer to retain my home is for me to tender a lump sum payment to cover the arrears and principle balance of approximately {$97000.00}. I have offered to refinance my property and negotiate a settlement. No conventional lender will entertain a refinance with a NOD ( Notice Of Default ) recorded on title. XXXX XXXX was asked to rescind the NOD to allow me to execute a refinance to which she responded saying ; It would NOT be possible to rescind the NOD. That leaves the option of a hard money lender which would be very expensive and certainly not be economically sound. No other home-retention options have been offered, and no review of my CURRENT financial circumstances has been opened or discussed.
04/08/2022	Yes	Mortgage Home equity loan or line of credit (HELOC)	Trouble during payment process	TX XXXXX	Web
In XX/XX/XXXX, we modified our home mortgage with our mortgage servicer XXXX XXXX XXXX using the U.S. Department of Treasury Home Affordable Modification Program ( HAMP ) Home Affordable Modification Program ( HAMP 1 ) and the Second Lien Modification Program ( 2MP ). XXXX XXXX XXXX modified our first mortgage of {$360000.00} with an interest only variable rate of 6.375 % and extinguished or zero balanced out our second mortgage of {$92000.00}. We signed and agreed to a modified single mortgage of {$380000.00} with a fixed rate of 3.5 % which yielded a total monthly payment of {$2300.00}. The first payment due to XXXX XXXX XXXX was XX/XX/XXXX. The second mortgage was extinguished under the second lien modification program 2MP guideline requirements from the U.S. Department of Treasury. We have continued to pay this modified mortgage payment on time to XXXX XXXX XXXX until they sold our single modified loan to XXXX. XXXX in XXXX of XXXX. See the consistent payment history from XXXX XXXX covering XX/XX/XXXX to XX/XX/XXXX. In XXXX of XXXX, we received a statement from Real Time Resolutions claiming that we owe them {$100000.00} for the second mortgage that was extinguished by XXXX XXXX XXXX under the HAMP and 2MP guidelines in XX/XX/XXXX. We also received notice for foreclosure on our house dated XX/XX/XXXX, from XXXX, XXXX, XXXX, and XXXX XXXX which is Real Time Resolutions attorney. We contacted Real Time Resolutions and spoke to an account XXXX XXXX XXXX. We advised him that this was all incorrect information because our loan was modified in XX/XX/XXXX. He advised they own the note and that we owe them {$100000.00}. He advised that a loan modification was never recorded by XXXX XXXX XXXX to the deed of trust in our local register office. He advised that if there was proof of a modification on file that they would have never pursued to file the deed of trust filing and foreclosure process in XX/XX/XXXX. He advised me to send him proof of the loan modification. We did. We contacted XXXX XXXX XXXX and provided them with all our previous account numbers to request a copy of our loan modification agreement documentation. Unfortunately, they had no record of our previous first mortgage, second mortgage, nor the loan modification. This was very disappointing customer service from XXXX XXXX XXXX We contacted the Housing and Urban Development office outreach program who directed us to the Department of Treasury to inquire about any extinguishment proof and they also assisted us in obtaining a copy of our loan modification agreement from our current mortgage services provider XXXX XXXX. We emailed the signed loan modification agreement and website link https : XXXX to show the detail required guidelines service providers were supposed to follow under the Home Affordable Modification Program ( HAMP ) Home Affordable Modification Program HAMP 1 and the Second Lien Modification Program ( 2MP ) directive 09-05. This information was sent to XXXX XXXX at Real Time Resolution and their attorney at XXXX, XXXX, XXXX, and XXXX XXXX. to review. We expected that would clear up all the confusion to help Real Time Resolutions realize that their pursuit of collection on a paid off zero balance second mortgage loan was incorrect and that it was paid off and extinguished back in XXXX with the Second Lien Modification Program ( 2MP ) using funds provided to XXXX XXXX XXXX from the Department of Treasury. My credit report has shown the extinguished second mortgage as zero balance after our loan was modified in XX/XX/XXXX. We received a notice of sale postponement from XXXX, XXXX, XXXX, and XXXX XXXX. advising that foreclosure sale postponed from XX/XX/XXXX, to XX/XX/XXXX. We are filling this complaint because we are constantly being asked by attorney 's if we need help to file bankruptcy and asked by investor if we want to sell our home to avoid foreclosure. This feels like Real Time Resolutions is trying to complete a foreclosure money scam that was set up by XXXX XXXX XXXX because they neglected to properly record our loan modification in XX/XX/XXXX and have totally erased all our past mortgage documents to prevent us from obtaining evidence of our loan modification. After almost 9 1/2 years XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have sold a modified extinguished zero balance second mortgage loan note to Real Time Solution so can attempt to collect {$100000.00} or force foreclosure sale to collect the {$100000.00} from my primary home. Please help us defend our consumer rights!!!
08/09/2018	Yes	Mortgage Other type of mortgage	Trouble during payment process	CO 80123	Web
To whom it may concern, Our loan was originated by XXXX XXXX XXXX ( CMC ) with a loan amount of {$49000.00}, on XXXX, at a rate of 10.75 %, the information provided by Real Time Resolutions, ( RTR ) on XX/XX/XXXX, was in response to a qualified written request ( QWR ) from XX/XX/XXXX. RTRs response is incomplete and inaccurate and the documents do not reflect a true representation of the loan amount in question, nor my alleged outstanding balance. The payment history that was supplied by RTR, indicates a life of loan payment history which begins with XXXX XXXX ( XXXX ) XXXX and ends with RTR accounting records dated XXXX. The RTR, QWR response dated XX/XX/XXXX, fails to provide an accurate accounting history from the originating date of XXXX. Its as though RTR, is alleging that no payments were made from our family from the day the loans inception. RTR, and or any successor of the loan is attempting illegal enrichment of my second mortgage home loan by failing to respond entirely to the balance being questioned and the accuracy of the demands by RTR on a balance of {$48000.00}, not including fees and other costs. Furthermore, RTR has failed to provide the mortgage assignments and or chain of title which would indicate mortgage servicing rights and transfers from XXXX on to XXXX and finally a transfer from XXXX to RTR. Mortgage debt validation is required when requested in writing from the debtor under the FDCPA, FCRA, HUD, RESPA as well as the revised Dodd Frank Act of 2009. These infractions and or oversights by RTR are clear violations and identified under the following causes of action : ( 1 ) FCRA injunctive relief ; ( 2 ) declaratory relief ; ( 3 ) debt collection violations under the Federal Fair Debt Collection Practices Act ( " FDCPA '' ) ; ( 4 ) violations of the unfair and deceptive trade practice act under Colorado Revised Statutes 6-1-105 ) for conducting a business without a state , county, or city license ; ( 5 ) violations of unfair lending practices under Colo. Rev. Stat. 5-3.5-101 et seq. and 38-40-105 ( 6 ) breach of the covenant of good faith and fair dealing ; ( 9 ) fraud through omission by failing to disclose predatory, unethical, and unsound lending and foreclosure practices ; ( 10 ) fraud in the inducement for failing to explain to Plaintiff that he was not qualified to enter the loan on the stated terms ; and ( 11 ) unjust enrichment. ( Id. at 22-48 ). Furthermore, RTR, provided a document which indicates that on the same date of origination with XXXX, that our loan was also signed over to XXXX XXXX ( XXXX ) by a XXXX XXXX XXXX as assistant Treasury to XXXX and counter signed by a XXXX XXXX XXXX XXXX on behalf of XXXX. However, there is no record that can be found which would support that XXXX XXXX XXXX, ever was employed by XXXX in any capacity. This information raises the question as to whether or not RTR actually has legal grounds to collect or commence credit reporting on the debt if it has been illegally assigned by a robo-signed document the same date as my loan was originated, XX/XX/XXXX. We have been in communication with the FDIC at XXXX and were advised that XXXX XXXX XXXX ( XXXX ) filed bankruptcy in XX/XX/XXXX and voluntarily liquidated and closed all of their assets officially in XX/XX/XXXX. My family was directed to the Colorado Banking Commission at XXXX, for further information into what entity acquisitioned all of their assets. According to FDIC, the corporation for XXXX, was based in Colorado, which is why the information we seek will come from, Colorado Banking Commission. We are writing as an attempt to determine the current investor, of our 2nd mortgage loan being serviced by RTR. Since RTR, is claiming that they are servicing the loan on behalf of another entity. However, after further research and scrutiny on our part, regarding the accuracy and validity of the mortgage debt as well as the defunct XXXX. RTR, fails to disclose this entity or investor of my loan which is a direct violation to the 15 U.S. Code 1692g - Validation of debts. RTR, has failed to provide any such relevant affidavit of sale and or transfer of XXXX letter, deed of trust and or other forms of proof of chain of title, for purposes validation of our second mortgage debt ; or proof that the debt has been properly transferred to RTR. Please expedite our request as we feel that this matter is worthy of civil litigation due to violations to the FDCPA, FCRA, HUD, RESPA and unfair predatory collection practices and potentially more.
08/02/2023	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	CA 925XX	Web	Older American
On XX/XX/XXXX, XXXX XXXX sent me a letter stating that I had defaulted on installment payments from a second mortgage I took out in XXXX with XXXX XXXX. The current servicer of the loan, Real Time Resolutions, said I defaulted from and after XXXX. They gave me 30 days to pay {$43000.00} on the original {$40000.00} loan. I had just gotten out of the hospital after a XXXX XXXX and we buried my mom on XX/XX/XXXX and I had difficulty getting ahold of HUD related agencies that month to find out my rights. After 30 days, they sent me a Notice of Default recorded with the County of XXXX ( CA )! on XXXX. The amount they were requesting was {$44000.00} as of XXXX. To find out the amount I must pay or to stop the foreclosure with payment arrangements, the notice told told me to call XXXX. Then on XX/XX/XXXX, I received a letter from XXXX XXXX, the district attorney and XXXX XXXX, the assessor XXXX XXXX clerk from XXXX XXXX stating that they were aware of the Notice of Default filed and they wanted to protect residents from real estate fraud. They listed free resources that I could contact to help prevent foreclosure, including the Fair Housing Council of XXXX XXXX, the Homeowners HOPE Hotline and the Department of Housing and Urban Development. They also said that I could fill out a complaint form with the district attorneys real estate fraud unit. I contacted all three agencies, but did not file a complaint. I told the agencies that I had not received any correspondence from Real Time Resolutions in many years including statements, online notices, or phone calls. They just came out of the blue with this letter demanding payment of my second mortgage or they will foreclose. My first {$150000.00} mortgage with XXXX XXXX XXXX is current and up to date. I thought that my first and second mortgages were combined into one when I did a loan modification with Keep Your Home California in XXXX. XXXX XXXX from the XXXX XXXX XXXX XXXX XXXX XXXX said that modification would not have included the second mortgage. She said that many second mortgages have laid dormant for years and now that there is equity in the home, they are demanding sales. I do have equity in my home which I have not borrowed from. I have lived here in XXXX CA for 18 years. XXXX suggested that I call Real Time Resolutions to negotiate a modification or payment arrangements. I called RTR and left a message asking for restructuring the loan or other solutions and left my phone number on XXXX and did not receive a call back. I tried calling three times on XXXX, and received a recording stating they are a debt collector and then it hangs up on their end. I thought it was a fluke, but it happens every time. XXXX got me in touch with XXXX XXXX XXXX XXXX and they gave me a case number XXXX. They told me to respond quickly if there is any attempt by RTR to accelerate. Also I talked to XXXX, an agency that helps with debt that was recommended by the Homeowners Hope Hotline. XXXX from XXXX ran a XXXX XXXX Credit Report on XXXX and Real Time Resolutions was not on the list. She says that it drops off your report after 7-10 years. I am willing to pay my debt to Real Time Resolutions. I do remember talking to them many years ago and they wanted {$300.00} a month on the {$40000.00} loan. I told them with {$950.00} on my first mortgage I could only afford to pay them {$100.00} a month. The telemarketer said {$300.00} or nothing. After that in XXXX, I got the modification and assumed it was rolled into one. My first mortgage company XXXX is in constant contact with me with monthly statements, email reminders, and help over the phone. They were even helpful when I got XXXX and got behind. I have not received the same interactions with Real Time Resolutions. I also have not received any year-end paperwork for my taxes. I went as far back as XXXX. I feel Real Time Resolutions is not being fair with giving me the payout amount, any time to pay it back, and no communication with me except by letter and court order. Id appreciate any advice you could give me in this matter. Thank you very much.
02/15/2017	Yes	Mortgage Home equity loan or line of credit	Loan servicing, payments, escrow account	AZ 85008	Web
I received a rate change notice from RTR dated XX/XX/XXXX. I immediately called them to discuss the incorrect information in the notice. After speaking to 2 people, it appeared they had the incorrect loan instrument. I submitted a QWR on XX/XX/XXXX. I received confirmation dated XX/XX/XXXX and a letter in XX/XX/XXXX requesting more time. As of XX/XX/XXXX, I had not received any other correspondence regarding the matter. I sent a letter of intent to RTR on XX/XX/XXXX. I was preparing my CFPB complaint when I received a letter on XX/XX/XXXX, dated XX/XX/XXXX. I believe that the letters crossed in the mail. The date of the transfer was XX/XX/XXXX. RTR did not book the loan until XXXX. From that point until I received the letter dated XXXX, RTR provided verbal and written information that my payment was {$59.00}. During my first contact on XXXX, I was informed of this verbally and I advised that it was incorrect. Billing amounts from my previous servicer XXXX ranged from $ XXXX. I continued to pay a flat {$120.00} each month as I was with XXXX, more than twice the amount quoted by RTR. Verification of {$59.00} was also received in a letter dated XX/XX/XXXX and again in the change notice received in XX/XX/XXXX. At no time have I received a statement despite requesting them. The letter received XX/XX/XXXX stated that my account was corrected to reflect the terms of my HELOC Agreement. A new payment amount was quoted as {$130.00} and backdated all the way to the transfer date. My {$120.00} payments, more than enough to cover the amount I was quoted for an entire year, were reapplied to the new payment amount and now I am two months in arrears with a late charge. Imagine my surprise. I paid more than twice what was quoted only to have the rules change with no notice. How can I be penalized for not paying an amount that was never communicated? I have several complaints : a. I have 17 years of loan servicing experience. I am unable to calculate the new payment amount of {$130.00} within the parameters of my loan. However, I can calculate {$110.00} from a balance of {$14000.00}, rate of 4.75 %, and remaining term of 177 months, correlating with XXXX 's billings. The incorrect Change Notice from XX/XX/XXXX shows {$130.00} at 6.75 %. How do they calculate {$130.00} at 4.75 %? No information was provided as to how they came to this figure. b. How is it that RTR can discover their error, fail to provide notice, backdate it for an entire year and then penalize me with a late charge and a loan two months in arrears? I now have serious concerns that erroneous information has been reported to the credit bureaus. I made payments well over what was communicated. I did not receive any notice about the change before payments were reapplied. RTR has also exacerbated this by failing to respond to the QWR for almost 6 months. c. My index is the Prime rate which changed on XX/XX/XXXX. I have not received notification of the change. d. I have requested statements from RTR on several occasions but have never received one. I can only assume that they are hesitant to provide it so they can change the terms at will and force borrowers into default. I have never been late on either loan in the 12 years that I have owned my home. I am not in need of assistance. I am a victim of circumstance due to the failure of the originating bank and I have spent a huge amount of time and effort since then ensuring servicer compliance with my loan instruments. I am unable to speak directly with a knowledgeable person anytime I attempt to contact RTR. All concerns are sent for research with no quick resolution. RTR has violated federal law several times since obtaining servicing of my loan, including failure to notify me within 15 days after the date of the transfer, failure to respond to a QWR within 30 ( or 45 ) days, failure to provide prior notice of a change in payment, and failure to provide periodic statements.
05/08/2015	Yes	Debt collection Mortgage	Disclosure verification of debt Not given enough info to verify debt	CA 900XX	Web
There is a XXXX lien attached to my property which is currently owned by XXXX XXXX XXXX ( XXXX ) and being serviced by a third party collection company by the name of Real Time Resolutions ( RTR ). On XXXX XXXX, XXXX, I issued a qualified written request ( QWR ) to RTR under Section XXXX of the Real Estate Procedures Act ( RESPA ). Once RTR exceeded the 30 day allotment of time in which to provide a complete response to my QWR they were contacted on multiple requests, to no avail.Finally on XXXX XXXX, XXXX, I received an incomplete response to my original QWR request from XXXX XXXX, XXXX. The incomplete documents that 've been supplied with have since been reviewed and raise a number of questionable elements in relation to the origination of my loan. The issues that were identified questions the very foundation of the originator 's intent to embody integrity, fiduciary responsibility and overall preservation of net tangible benefit to me and the future of my property.In fact, it appears that my loan was originated just weeks before a highly publicized XXXX XXXX Mortgage XXXX XXXX XXXX XXXX XXXX of XXXX, CA, closed its doors due in part to increasing extensive legal fees, and pending litigation cases for the origination of thousands of fraudulent residential mortgage loans. I have expressed my concerns with RTR and in turn they 've consulted with the lienholder XXXX. However, no consideration has been communicated to me from either organization in regards to these unbeknownst issues ; or what appears to be intentional egregious underwriting errors. According to the Truth in Lending Act ( TILA ) a creditor may also violate TILA by engaging in fraudulent, misleading, and deceptive practices that conceal the TILA violation occurring at the time of closing. Like many other homeowners and consumers, I did not discover any violation until after these illegal practices were already imposed by GPMF. These practices are publicly noted and play a key role in this country 's foreclosure process.Concern # 1 ~ Inflated Appraisal According to the ( XXXX ) Uniform Residential Loan Application, there is a claim that my home was worth {$1.00} Million at the time of closing. This amount is grossly inflated, apparently in order to be able to fit it into legal Loan to Value ( LTV ) limits. I have verified with local relators that my particular home has not exceeded more than $ 800k, even at the height of the housing market XXXX and XXXX. My home was purchased in XXXX in the amount of $ XXXX and it is highly unconceivable that there were gains in upwards of an additional $ 700k to support such a claim by XXXX Clearly this is a Home Ownership and Equity Act ( HOEPA ) and US Federal Trade Commission Act 15 U.S.C. 45 violation.Concern # 2 XXXX Failure to Provide Appraisal There is no Appraisal Report in which to analyze, nor to support the estimated value of {$1.00} Mil. Further questioning is whether or not XXXX placed any adherence to LTV underwriting guidelines at the time of closing. RTR advised there is no appraisal within their possession upon questioning the incomplete QWR response.Concern # 3 ~ Equity Stripping Due to my loan value being grossly inflated by XXXX, my home was stripped of future equity gains and my LTV was immediately forced into the negative as far as value was concerned ; once the consummation of the loan was final. OCC Advisory Letters XXXX and XXXX as well as XXXX CFR part XXXX, subpart C strictly prohibiting equity stripping ; and the Interagency Appraisal and Evaluation Guidelines, OCC Advisory Letter XXXX ( XXXX XXXX, XXXX XXXX .Concern # 4 ~ Failure to Provide Allonge to Evidence Transfers RTR and BAC have also failed to provide the Allonge to evidence original and all subsequent transfers from GPMF XXXX XXXX ( XXXX ) and from XXXX to XXXX. Also, there has been no Allonge to evidence transfer to RTR for servicing rights and collection purposes.
03/16/2016	No	Mortgage Home equity loan or line of credit	Loan modification,collection,foreclosure	CA 94580	Web
I 'm filing a complaint against Real Time Resolutions ( RTR ) for violations to the U.S bankruptcy code 11 U.S.C. 362, which strictly prohibits a collection agency for pursing a debtor for payment on a debt which has been legally discharged. As an attempt to preserve the integrity of my personal finances and correct my financial affairs my consumer debt was discharged on XXXX XXXX, XXXX. During this major financial transition my loan was transferred from XXXX XXXX XXXX ( BAC ) to RTR on XX/XX/XXXX.The secured creditor must prove the validity of its claim and obtain a court order before taking collection action. The only dischargeable debt that a person is legally obligated to repay is one for which the person and the creditor have signed what is called a " reaffirmation agreement. When a Chapter XXXX debt is discharged, the court enters an order which prohibits creditors from attempting to collect any discharged debt. If any creditor violates this court order they will be held in contempt of court and will be made liable to me for damages. RTR has riddled my credit report with erroneous reporting from XXXX XXXX, XXXX, until XXXX of XXXX, which has caused irreparable damage to my credit report and score for more than 5 years, since its discharge. It is my understanding that this debt was not part of a reaffirmation agreement approved by the bankruptcy court during my XXXX proceedings. Furthermore, it is a violation to the Fair Credit Reporting Act ( FRCA ) to re-age a once discharged debt and begin reporting it as a new delinquent revolving balance. This action by RTR, has caused irreparable damage to my credit report and score, post chapter XXXX discharge date of XXXX XXXX, XXXX. I intend to prove by way of civil litigation that RTR, has used this misreporting as a collection tool to induce me to pay the discharged debt, this violation of the bankruptcy discharge injunction is illegal. The discharge injunction prohibits a creditor or collector from these types of collection efforts once the bankruptcy court has entered the final discharge. Please see attached document, to my knowledge my second mortgage was last reported by XXXX XXXX XXXX, XXXX, reflected on my credit report dated XXXX XXXX, XXXX. Clearly RTR reflects on the same report, the same balance as open/active and delinquent 180 plus days as though the revolving account was originated post chapter XXXX discharge of the debt. This action by RTR, has caused irreparable damage to my credit report and score. Using negative reporting as a tool to coerce consumers into paying debts that are discharged is not only unethical, but is clearly an attempt to collect a debt and force or massage payments from me as a debtor. Misreporting collection tactics have been identified by RTR, in past and currently pending civil litigation matters. As well as RTR has been judicially imposed fines, and reprimanded for such aggressive illegal acts as identified within my loan servicing experience. Re-aged debt as a new debt has is yet another of RTR 's willful violations to the automatic stay, the debtor can recover actual damages, punitive damages, and attorney 's fees. Furthermore, I received an unsolicited DEMAND for payment dated XXXX XXXX, XXXX, which falsely asserts that I initiated a conversation with RTR. I had never spoken with anyone at RTR, prior to receiving this blind offer. It is my belief that the miss reporting for this particular month and this illegal modification offer was NOT coincidental and was executed by design. In essence another coercion tactic into a repayment agreement by RTR using these illegal reporting actions and the agreement itself is a violation the U.S. bankruptcy code section 502 flatly prohibiting unmatured interest to be charged to discharge debt. The general rule under pre-Code law was that interest stops as of the date of the filing of the bankruptcy petition.
08/11/2015	No	Mortgage Conventional fixed mortgage	Application, originator, mortgage broker	CA 94590	Web
Due to RTR lack of response to my issues, I 'm considering raising this matter in the Court as I feel it may be the proper venue for action under 28 U.S.C. Section 1391, because one or more of the Defendants maintains executive offices in or conducts business in the district relevant to where real estate is located in this concern.The interagency Statement on Subprime Mortgage Lending enumerates certain tactics that may indicate predatory lending. Nonprofit groups have also published widely accepted guidance on the kinds of practices that may constitute predatory lending. Predatory loans typically combine risky loan features, thereby placing the borrower at an excessive risk of default or foreclosure. For purposes of this Complaint, " Combined-Risk Loans '' are loans that meet the definition of high-cost loan under HMDA. HMDA, which is an extension of The Home Ownership and Equity Protection Act ( HOEPA ) and enacted XX/XX/XXXX as an amendment to the Truth in Lending Act ( TILA ) to address abusive practices in refinancing and home-equity mortgage loans with high interest rates or high fees. Loans that meet HOEPA 's high-cost coverage tests are subject to special disclosure requirements and restrictions on loan terms, and borrowers in high-cost mortgages1 have enhanced remedies for violations of the law. XXXX XXXX XXXX XXXX ( XXXX ) was incorporated under the laws of the State of Delaware. In subsequent paragraphs of this complaint, XXXX XXXX XXXX XXXX will be referred to as " XXXX XXXX, '' " the lender '' or " the defendant. " XXXX XXXX 's business includes engaging in residential real estate-related transactions and regularly extending credit to persons. XXXX XXXX, as an entity whose business includes engaging in residential real estate transactions -- including home equity lending as well as home purchase and refinancing lending -- is subject to the requirements of the Fair Housing Act, as amended, 42 U.S.C. 3601-3619. XXXX XXXX is also a creditor as that term is defined by section 702 ( e ) of the ECOA, 15 U.S.C. 1692a ( e ), and is, therefore, subject to the requirements of the ECOA and its implementing Regulation B, as amended, 12 C.F.R. Part 202, in effect on or after XX/XX/XXXX.The provisions of TILA, including HOEPA, are implemented in the Bureau 's Regulation Z. and also contain XXXX or more of the following high risk terms : ( a ) the loan was issued based upon the " stated income, '' rather than the verified income, of the borrower ; ( b ) the debt-to-income ratio exceeds 55 % ; of the actual income ( c ) the loan-to-value ratio is at least 125 % based on the values at time of closing ; ( d ) the loan has no appraisal report which is required to determine how much money can be borrowed against the property ( e ) the loan has no 3 day right to rescission addendum ( f ) the loan possess no HUD 1 Settlement Statement ( g ) the loan imposed prepayment penalties. Individually, this loans feature made my mortgage loan riskier and more costly. When multiple features are layered within the same loan, the riskiness and costliness of the loans increase dramatically. A loan 's debt-to-income ratio ( " DTI '' ) is a primary bellwether of the borrower 's ability to meet the loan 's terms. The level of risk associated with high DTIs was exacerbated by the prevalence of high interest loan of 10.99 %. For many high-cost mortgages for borrowers such as myself are pummeled with high interest rates. I was subject to XXXX XXXX XXXX XXXX discriminatory policies and practices identified herein. I received a Combined-Risk Loan from XXXX 's discriminatory policies and practices identified herein. I was harmed by XXXX 's by being subjected to excessive fees and costs and extreme risk of default and foreclosure. XXXX 's inflated my income by indicating that I earned {$10000.00} per month, almost double the amount that I actually made.
05/09/2016	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	TX 76248	Web
We have spoken with several agents of Real Time Resolutions ( RTR ) in regards to the above mentioned mortgage debt being only serviced on behalf of XXXX. ( XXXX ) In response to notices received from RTR dated XXXX XXXX, XXXX, we are requesting that these omissions of RTR having received either Notice of Assignment, Sale or Transfer of servicing rights of the loan to be definitely defined per statutes of Real Estate Settlement Procedures Act ( RESPA ), the Fair Debt collections Act ( FDCPA ), as well as the Fair Credit Reporting Act ( FCRA ) .RTR was served with a Qualified Written Request ( QWR ) on XXXX XXXX, XXXX and they have failed to properly respond to our demands under RESPA , FDCPA and FCRA. They have failed to indicate and establish proper ownership and rights to service the loan. Furthermore, they have failed to provide an itemized accounting ledger of crediting payments made, late fees, etc. from multiple alleged prior servicers of the loan. The assignments, sale affidavits, allonge ( s ) to the note and loan transfers documentation is incomplete and inconsistent with proper mortgage securities and we feel that we are victims of mortgage securitization fraud on many levels, riddled with an array of abusive deceptive practices and misrepresentation.XXXX of RTR, signed an alleged executed agreement with XXXX XXXX XXXX XXXX ( XXXX ) dated XXXX, XXXX, XXXX. By RTR 's own omissions they did not take over servicing rights to the loan until XXXX XXXX, XXXX from XXXX. We have also taken this matter a step further and contacted XXXX County land records here in Texas, and there is no record of assignments for this loan which support or remotely indicate that RTR nor XXXX carry legitimate custodial servicing rights or ownership to this loan. In fact, it appears as though XXXX, still owns the loan which is impossible, because they filed Chapter XXXX bankruptcy in XXXX and all securities liquidated. ( SEE EXHIBIT " A '' -Collection Agreement Forgery ) According to land records, the loan was originated with XXXX . From there, it was transferred to XXXX XXXX XXXX, and XXXX XXXX XXXX was shut down, following XXXX XXXX filing bankruptcy XXXX XXXX, XXXX. So how is it possible that there was any such agreement made with XXXX and RTR? The answer is. it 's not possible.It appears that the agent of RTR, named XXXX XXXX, is in fact a Robo-signer ; since the alleged agreement according to RTR was signed and dated XXXX, XXXX XXXX ; long after the collapse of XXXX. The milestones report that was provided from RTR is dated XXXX XXXX, XXXX. The report documents a span from XXXX XXXX, XXXX until XXXX XXXX, XXXX ; indicating custodial service rights transfers for XXXX, XXXX, and even XXXX XXXX XXXX ( XXXX ) .The problem as previously addressed, is that XXXX dissolved in XXXX, XXXX XXXX Chapter XXXX in XXXX, all securities sold off, and XXXX is prohibited from participating in any consumer loan in the capacity of owner servicer or any such activities as of XXXX. As far as we are able to tell, the milestone report has been falsified. ( SEE EXHIBIT " B '' -- XXXX XXXX ) RTR, has also failed to provide evidence of documentation detailing updated assignments of ownership or necessary proof of their custodial servicing obligations. Furthermore, per RESPA and the FDCPA surrounding mortgage debt validation, we are demanding a complete chain of title as well as the Allonge to the Note, sale affidavits and evidence transfer from XXXX to XXXX and XXXX to XXXX, and finally XXXX to RTR. ( including all accounting ledgers from each servicer previously listed as well. ) In particular, there are a multitude of concerns about the facts surrounding Case # XXXX XXXX which involves CEO XXXX XXXX of XXXX XXXX XXXX ( XXXX ), engaging in a number of unlawful lending practices and abusive collection practices.
10/26/2021	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	GA 30034	Web	Servicemember
In XX/XX/XXXX received a letter of transfer of account from Real Time Solutions. I originally had the loan XXXX who then sold/transferred it to w/XXXX, who later went out of business. I requested the documentation from Real Time for the loan contract and the outstanding balance, Neither of which I have received. I was told there was no documentation. but the charges I feel are incorrect, there was a XXXX Interest fee, XXXX Fee Bal & a XXXX Misc fee. I have disputed this account several times NOT the loan but the amount. In the transfer letter it stated nothing would change, Bal, pay date, or principal bal. The account was set up on an auto payment plan once acquired but they Real Time used the pay dates of the old XXXX payment plan. Also they keep stating that I am being charged for a deferment ( XXXX or XXXX ) it varies w/each representative I speak with, I've also been told that particular charge is for late fee 's, transfer fees. I have never had a deferment w/Real Time Solutions ( they said once I did ) and the payment date was set for the XXXX of each month starting in XXXX for the XXXX time. the 1st arrangement was never recognized. ( which I also questioned ) but was told they could not alter the original schedule!! They keep referencing back to the original amount of XXXX from XXXX, IN XXXX which is NOT the amount they received from XXXX in XXXX, also the deferment if any was added into the principal amount so when transferred there was no outstanding deferment payments which is what they tell me now about the XXXX. I know I owed the loan but there seem to be many extra charges of interest, & misc fees that I disagree with. I can not getany clear answers or paperwork outside of what THEY have typed up & forwarded to me. The representatives are rude and continuously announce what will happen IF the loan is not paid. They were not reporting the payments to the 3 Bureaus until I disputed a couple times and then its only for part of XXXX. I know for certain that we had an agreement for Auto pay in XXXX & XXXX but in the papers they sent me the payments always seem to be Late w/ several diff charges of XXXX or XXXX & high interest even if its 1 day late which should have never happened since it WAS schedule for auto pay on the XXXX of each month. I am not disputing that I owed the loan which i have diligently worked to pay off & was told would be matured in XXXX of XXXX only to be told in XXXX that I still had a remaining balance of over XXXX but they can not explain why or what for. As i previously stated ALL deferments were added to the loan BEFORE the transfer or purchase. Those loan was revamped/recalculated in XXXX by XXXX. The interest fee, document fee, fee bal not sure if those are legitimate or not. I just want to know that i'm not being taken advantage of and being continuously subjected to their rude obnoxious conversations. They start calling as early as XXXX Sunday mornings and will continue through out the day. also Monday thru Friday if they call less that 10 times from several different numbers just to be rude and threaten to send " my account '' to the Credit bureaus which they did last month. The gentleman even went so far as to tell me he hopes I don't have any plans to buy a house in the future!! Really. Well Sirs/Mam I am hoping you can find some kind of clarity for me in all this, because I can't. I have paid over XXXX on a XXXX loan, but when i inquire they always quote the XXXX amount. I DO NOT OWE Real time {$12.00} XXXX owed that amount to XXXX which was paid down but in adding all the charges paid and this outstanding {$2800.00} the amount will come out to be that amount. Thank You for your help. If further info is needed I have copies of the checks from my bank dating back to XXXX. Will gladly mail them in if needed..,
04/23/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	NJ 08527	Web
As a result of the financial crisis and housing market fluctuations our home is considered an upside loan. Which means for us that we owe more than what the house is worth. Unfortunately, we fell behind on our loan as a result of a loss of income and illness in our family. Our original mortgage was with XXXX ( XXXX split ), with their demise our loans were transferred to XXXX different banks : XXXX XXXX for XXXX mortgage and XXXX XXXX XXXX for the XXXX. Consequently, we were a victim of predatory lending with the original loan with XXXX.Fortunately, we were approved for the HAMP in XX/XX/XXXX with XXXX XXXX with the assistance of XXXX, at the same time applied for a loan modification for our XXXX with XXXX XXXX XXXX with their loss mitigation department. On a regular basis, we consistently completed the paperwork requested by XXXX XXXX XXXX to obtain a modification on our loan and advised that we were also in the process of receiving our HAMP on the first with XXXX XXXX. Once we received the signed HAMP documents in XXXX XXXX we sent it over to XXXX XXXX XXXX to complete the final stages of the ( XXXX ) XXXX Lien Modification created by Making Home Affordable. Per the guidelines set out by Making Home Affordable for XXXX the following were the eligibility criteria : Your first mortgage was modified under HAMP. You obtained your second lien on or before XXXX XXXX, XXXX. You owe {$5000.00} or more and pay {$100.00} or more per month toward the second lien. In addition to the criteria requested to qualify, your loan needed to be assigned with one of the participating banks : XXXX XXXX XXXX, XXXX, XXXX XXXX, and XXXX XXXX. Hence, our XXXX mortgage qualified for all the criteria listed per the program. Furthermore, the purpose of the ( XXXX ) program was to assistance homeowners in our situation by eradicating the imbalance of our home being upside down. The main purpose of this type of loan was to allow a more affordable mortgage payment by adjusting your interest rate, extending your term, and reducing or forbearing your principal on your XXXX and XXXX liens. We had hoped we were finally on our way to moving pass this situation with the approval of our HAMP and pending status of our XXXX with XXXX XXXX XXXX when we were taken by surprise in XXXX XXXX, XXXX when we received a letter from XXXX XXXX XXXX stating that our loan was being transferred to Real Time Resolutions, a debt collection agency. We were quite confused since we had sent the approved HAMP documentation several times to XXXX XXXX XXXX per their request in the months prior. In fact, in XXXX XXXX I faxed our approved HAMP document several times to the loss mitigation department as requested. We were consistently advised by customer service it would require some time in the review process. Shortly thereafter, on XXXX XXXX, XXXX XXXX XXXX XXXX had their huge settlement with mortgages and unfortunately we were now transferred to an unknown servicer/debt collector for a loan that had been written off by XXXX XXXX XXXX. Up until now we have submitted the requested documentation for a modification or settlement to close this loan. We recently were provided an approval for a short sale or settlement however the amount requested {$41.00} XXXX we are still in the midst of bouncing back from our adversity and can not afford to pay this lump sum amount. We wish closure with this situation, therefore, we are requesting a second lien mortgage debt extinguishment or more reasonable, lower settlement that will not put a strain our finances since we are trying to regain financial stability. To summarize, we wish to keep our home and short sale is not a viable option. Kindly advise if you require further documentation to substantiate our complaint. Thank you for your time and consideration in this matter.
01/13/2022	Yes	Mortgage Other type of mortgage	Applying for a mortgage or refinancing an existing mortgage	VA 230XX	Web
To make a long story short, My ex and I bought a home in XXXX. We were one of the unfortunate borrowers to receive an XX/XX/XXXX ARM loan. The second mortgage became default in early XXXX. Our first mortgage was modified until the XXXX program, and at that time I was under the impression from my ex that the second mortgage had been modified under the first mortgage. He was the one who took care of the finances. Fast forward to XXXX, we split up, I moved out in XX/XX/XXXX and ended up moving back and taking over the mortgage in XX/XX/XXXX. Part of the divorce decree was for me to refinance the property in my name. I started the process right before Covid hit, and when Covid hit I was pushed back because most of my income had been affected. ( I was a waitress, and all the restaurants shut down ) So I started the process again in XXXX. The title company came back and mentioned the second mortgage. Clueless, I asked what I needed to do to fix it, and was told I needed verification of the debt or a statement stating the debt has been fulfilled or resolved. I clearly know nothing as I assumed it was merged. I went to the courthouse and obtained the deeds. Both of the deeds are from XXXX, which has since been bought multiple times. I only have one mortgage that appears on my credit report. Currently XXXX is the mortgage holder for the first mortgage, so I reached out to them. Upon calling them, I was denied access for not verifying the correct address. Curious as I have spoken to them multiple times since I have taken the mortgage over in XXXX. So I logged on to the account and found his address has been changed to receive mailings. So I call XXXX back, verify with his address that is on file and change it back to the property address which I stay at. I ask them to investigate the second details and I provide them with the records I obtained from the courthouse. Then a few days later, the title company is reaching out to him about signing over the deed. This is where the fun begins! This is when I found out about the second mortgage company from him and that he has been receiving the statements all along. I asked for all the information, all he gave me was the name, so I googled, searched and called. While speaking with a representative, I ask when the address on the account was changed. I was notified that it was changed in XXXX and again in XXXX. I asked them to mail me a letter stating such, and receive it. We recently went to court about my not refinancing no show cause and basically the judge didn't listen to a word I said since I didn't have a lawyer. ( Believe it or not, I called multiple local lawyers, apparently everyone started holiday break in XXXX, I just got a call from one of them the other day in regards to my voicemail .... ) Moving forward I contacted them and told them I am to be notified immediately of any and all changes made on the account. I asked them to provide me with when the change occurred and all they said was since it was done " electronically '' they have no record of when the change was made. I have asked for a letter of verification and they provide me with the monthly statement that they send to him at his address. My name is not listed on these! I found out that he submitted a loss of mitigation to them last year, without my knowledge or signature! I have asked for a loss of mitigation and they send me one with all his credentials on the paperwork. I am at my wits end with this, I have no where to go, I have called several attorney offices and have yet to receive a response. I need help and guidance about this situation and how I can go about them expediting this information to me I appreciate your time and any assistance you can offer me. Thank you, XXXX XXXX
10/23/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Settlement process and costs	CA XXXXX	Web
Real Time Resolution - provide order that bears Real Time Resolution name. - Real Time Resolution attach the schedule stating this debt is secured or unsecured? Real Time Resolutions - is a third party collection company whom appears to have paid a debt during a open bankruptcy that was not owed in attempt to collect from me. Real Time Resolution did not communicate with the attorney of record. Real Time Resolution stated : In the Complaint, XXXX XXXX states that RTR 's documents contain multiple non-corresponding dates ; that the transaction history appears to show that the debt has been paid ; and that RTR has not confirmed how a lien remains on the property. RTR will address each statement below. Response provide documents wires, check copies withdrawals of XXXX and XXXX payment - debt is disputed due to what appears to be fraud - First, RTR is unclear as to which documents XXXX XXXX is referring. RTR 's records indicate that XXXX XXXX received a discharge of her personal obligation to repay the debt through her Chapter XXXX bankruptcy proceedings. Prior to that date, RTR 's records indicate that the account was due for the installment payment for XX/XX/XXXX. Due to the bankruptcy discharge, no payments on the underlying debt have been made since XX/XX/XXXX and RTR 's transaction history indicates as much. A copy of the transaction history was provided to XXXX XXXX upon her request. This document shows a " due date '' in XX/XX/XXXX and a " trans date '' [ transfer date ] in XX/XX/XXXX, which is the year that XXXX obtained the right to collect payments on the account. RTR hopes that this explanation helps to clarify some of the confusion concerning non-corresponding dates. Otherwise, XXXX denies that its transaction history or other documentation demonstrate that the debt has been paid in full or paid at all since XXXX. Response - Debt is disputed - provide a copy of an order that bears RTR name or reference RTR or any detail or letter to my bankruptcy attorney of record. The letter RTR provided are not addressed to bankruptcy attorney. Do RTR know who my bankruptcy attorney is? bankruptcy XX/XX/XXXX-XX/XX/XXXX discharged. Finally, XXXX XXXX states that RTR has not demonstrated how a lien remains on her property. On this point, XXXX believes that XXXX XXXX should seek the counsel of her bankruptcy attorney. It appears as if XXXX XXXX file a motion to avoid the subject lien within her bankruptcy proceedings, and that this motion was denied with prejudice. Response the bankruptcy judge did not give RTR any order he referenced the original creditor only - The bankruptcy judge is not aware of the transfer without notice to my bankruptcy attorney. The Judge did not state RTR could not be brought in to bankruptcy court for non-disclosed transfer that appear to be a transfer of debt without notice to bankruptcy attorney. As well as other errors and mistakes. The Judge order is being taken out of content. The Judge did not say I could not challenge the Deed of Trust for fraud - Judge only stated Deed of Trust has to be dealt with. The Judge did not say anywhere in the order debt is owed and or RTR can collect on the lien for any creditor. XXXX told me the XXXX was included in the XX/XX/XXXX modification - I was deceived by both parties. I was not informed about second until XX/XX/XXXX. Both of my bankruptcy attorneys confirm they were not informed of any transfer.
05/02/2016	Yes	Mortgage Home equity loan or line of credit	Loan servicing, payments, escrow account	MI 496XX	Web
Thank you in advance for reviewing the concern. My second mortgage was serviced by XXXX ( never delinquent, not in distress, 100 % on time payments ). XXXX 2016 I was notified by XXXX the servicing rights to the XXXX mortgage ( home equity line of credit ) was sold to " Real Time Resolutions ''. I was provided ( as required ) contact information for " Real Time Resolutions '' in the correspondence. The first payment with the new servicer would be for XX/XX/XXXX. As of XXXX XXXX I had no correspondence from the servicer, I contact RTR who had great difficulty answering any basic questions. I did send a payment ( on time, documented ). The following month, no correspondence was received ( no monthly statement received for XX/XX/XXXX ). I contacted the servicer and with great difficulty was able to verify the amount ( varies monthly between {$150.00} and {$180.00} - equity line ) and again made an on-time payment ( documented ). The payment statement actually arrived after payment was made and was dated after the actual due date? How was this possible? Today - XXXX XXXX, again no payment statement has been received showing the amount owed for XX/XX/XXXX ( Equity line acrues in the rears, XX/XX/XXXX payment is for XX/XX/XXXX ). The agent was unable to provide any payment information stating only that the amount due was {$32.00} month to date for XX/XX/XXXX ( this is a {$54000.00} equity line at full balance - the interest only payment will always exceed {$150.00} ). The agent was quoting the interest accrued for this month, not the payment currently due for XX/XX/XXXX. This agent insisted this was correct which it clearly is not. I still made an electronic payment for {$200.00} ( documented ) simply to be safe since the agent literally had no idea what the payment due actually was. The greater concern is the company itself and the service related behavior. The agent was " surprised '' that my loan was current? Why would that be a surprise as I have no late payments of any type with any creditor ever ( documented ). He referenced things in the conversation as if it was a collection issue on a delinquent loan? This servicer is unable to provide statements ( as required ) in a timely and proper manner and is unable to answer basic questions. What can be done to correct this company 's inability to properly correspond with a consumer who actually pays everything on time? One reason in part for my complaint is document the clear problems with this company in the event there is ever a credit reporting error as they are not even able to send a payment statement on time after 3 months. This company is clearly a debt collector whose staff is improperly trained to address even the most basic consumer inquiry on a loan that is NOT and never has been delinquent. The fact they are " surprised '' my loan is current is disturbing to say the least. Maybe action to prevent debt collectors from purchasing servicing rights on current performing mortgages from companies should be considered? This company was not even able to offer any type of auto-payment option like my other lenders. I would like the CFPB to assist me in obtaining written assurance from the servicer that the company will follow prescribed industry standards and provide a payment statement at least 5 business days prior to the due date as does every other major loan servicer.
01/15/2019	Yes	Mortgage Other type of mortgage	Closing on a mortgage	AZ 85746	Web	Older American, Servicemember
This compliant is with Real Time Resolutions. Real Time held the second lien on my home. I applied for a mortgage with XXXX XXXX and they approved the loan including a {$22000.00}. Payment to Real Time to release the second lien. In XXXX a chapter XXXX was filed and discharged on both the first and second liens These liens were not reaffirmed but we continued to pay the first as we have for the last 10 years. The Real Time Rep on or about the XXXX of XX/XX/XXXX advised both XXXX XXXX and myself they would accept the {$22000.00}. offered. XXXX continued with a conventional loan approval based on the statement of acceptance from Real Time to settle the second lien for the {$22000.00}. The loan from XXXX continued and was approved and we were going to close as soon as Real Time sent the contract for the release but it needed to be sent right away which the Real Time Rep said he would be sending. The contract never arrived and on the final day the Real Time Rep advised me they now wanted XXXX to settle the second lien. I advised him this was not the agreed amount and the Real Time Rep said he did not agree to {$22000.00}. Both XXXX XXXX and I were advised Real Time would accept the {$22000.00} which is why XXXX continued to process a conventional loan and not a Harp Loan. The approved conventional loan paid of the existing first mortgage and included the {$22000.00} to be sent to Real Time for the release of the second. XXXX was unable to continued with the mortgage loan based on the new request for the Higher {$35000.00} to release the second. I filed a compliant with CFPB which made Real Time review the recorded conversations between their rep and XXXX and myself. They agreed that based on the recordings Real Time had indeed agreed to accept the {$22000.00}. They sent a contract to XXXX a few days later agreeing to a settlement for {$22000.00} and XXXX called me to advise me they would be able to continue with the loan process. The problem is during the few days after XXXX was forced to cancel to first loan the interest rate was increased and I went from a 5.125 interest rate to a 5.7 which caused the mortgage payment to increase. This is a 30 year mortgage and the additional amount I will be paying due to the Bad Faith demonstrated by Real Time is something I believe Real Time should be be required to pay for. Real Time agreed to a settlement amount then backed out saying they did not agree which canceled my locked rate on the first approved loan but when they did realize that their rep had agreed to the {$22000.00} they sent a contract accepting the offer because they knew they had demonstrated bad faith and I believe they realized I may take legal action. Real Time was paid {$22000.00} and I believe they should be required to offer a settlement back to me to help compensate me for the extra money I must now pay each month due to their bad faith business practice which caused me to have a higher monthly payment. Even a small {$25.00} a month increase would add up to about {$9000.00} extra over 30 years. Why should they be allowed to conduct business in this manner without a penalty when their bad faith has caused a financial loss to someone. I believe I have a reason to continue holding Real Time responsible for the additional financial responsibility I must assume to stay in my home.
02/29/2020	No	Debt collection Mortgage debt	Written notification about debt Didn't receive enough information to verify debt	NV 894XX	Web
We short sold in XXXX and, as part of the agreement, we would pay Real Time Resolutions ( who was not our original lender, but purchased our loan in the middle of the short sale ) {$15000.00} at 0 % interest with a monthly payment of {$120.00}, after receiving threats that they would wait to sue us for the balance after the economy recovered. We never had one late payment, even when they stopped sending us monthly statements for several months in XXXX and XXXX. ( We made a lot of payments via USPS signature confirmation because they didn't have any kind of business ethics. ) I called to find out why no statements and was told that the lender put a " cease and desist '' on the account but that they would again start sending us statements. Then in XXXX, we purchased another home and our broker had to call them since they were not reporting any of our payments to the credit bureaus. We continued to pay. We did a refinance with our current lender, XXXX, in XX/XX/XXXX and were notified that in order to refi, the " real estate loan '' had to be paid off since it looks like we own property somewhere. They said they would roll it into the refi and that would be cleared up. 8-10 months later, we purchased a car and they said something was coming up on our credit, a real estate loan with RTR. We had never gotten a phone call, email or letter from RTR, absolutely no communication whatsoever. I called RTR and they said that we owed around {$1800.00} after all of the late fees they attached. They said I would have to email a request to receive any statements or balance to XXXX. Otherwise they could not help me or actually show me how much was owed. I then called XXXX since when we signed the notarized copy of the refi, the payment to RTR was on the documents. XXXX said there must have been a mistake with the paperwork and apologized for the confusion. In the meantime, I emailed RTR 's required address multiple times with absolutely no returned communication, I called and XXXX, XXXX and several other reps could not help me, claiming a cease and desist on the account ( I have no idea what that is and not one could explain ). I spoke with an XXXX XXXX today, XX/XX/XXXX and he stated that " since the file had been opened since XXXX, its passed the statute of limitations. It's been in collection for 7 years so they can no longer collect according to state law, '' and that our account is " uncollectible. '' He said it is charged off but not written off and that RTR did receive several emails from me regarding money owed, requesting statements, and verifying our address. He says that now for us to get this handled, we have to email another request to XXXX to " ask for the charge off to be lifted and pay the debt. '' My concern is that they have never been honest, never tried to contact me, they have never reported correctly to the credit bureaus. We don't know what to do. We never had one late payment, it was a ZERO percent interest deal, and I pride myself on trying to get bills paid. We only owed a little over {$1300.00} when we went to refinance. I never would have defaulted and feel like they hold some responsibility in this since they have a correct address, phone number and email on file. We have never dealt with such a shady, manipulative business.
11/21/2019	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	33184	Web
I had taken out an unsecured personal loan with XXXX XXXX on XX/XX/XXXX ( note attached ), which was actually a refinance of a loan that I took out with them a year prior. The loan had almost been paid off, as I have been making extra payments. The loan was transferred to XXXX XXXX to where the loan was paid off. As recent as XXXX of this year, I started to be contacted from Real Time Resolutions. They have alleged that I owe a balance of {$3700.00}. It the time they contacted me, I was going through a very hard time dealing with an illness/death of a family member. I had setup a payment arrangement with them without doing any research, since the bulk of my time was consumed with my family emergency. Upon later review, I realized that this was not a valid debt and that I had already paid this loan off in full. This company is damaging my credit, as they have been reporting this debt is reporting in a way that violates FCRA in many ways. 1 ) This debt is/has been reporting as a mortgage on my credit report, and even more so, the payment settlement letter that they sent referenced an address that this loan was tied to. I have never owed a property, and the address listed was an address I lived at and paid rent at. 2 ) They have a total of three accounts that are/have been reported as a mortgage. The constant negative reporting. Those three accounts comnined are reporting ; 2-30+ late markers / 2-60+ late markers / 46 90+ late markers. This has prohibited me from being able to qualify for a mortgage. 3 ) When I called the company with my current loan officer, we were transferred to our " assigned rep, '' XXXX, to discuss the debt. My loan officer had asked her the following questions : 1 ) When was the date of last activity on the original debt? Her response was XX/XX/XXXX. 2 ) When was the origination date of the debt? She confirmed that it was XXXX. XXXX. 3 ) How long of a term was the note? She confirmed 60 months/5 years. 4 ) When do you show the maturity off the note? She mentioned XXXX. 5 ) If it was a five year note with a maturity date of XX/XX/XXXX, and she confirmed the origination date and the terms, how do they have a different maturity date? Her response was that she only has what she was given and was asking us to prove to them that I don't owe the debt. 6 ) He asked why it was reporting as a mortgage? She responded after multiple calls placing my on hold that it wasn't. My loan officer assured her it was, and her response was its not so it doesn't matter. I can not believe the way this company is damaging my credit. This is an unfair situation since they are claiming that I owe money on an account that they don't even have the ability to prove to me I owe. This is abusive since they have reporting this account, multiple times with multiple inaccurate late markers. The act of reporting this as a mortgage floors me along with the process of " guilty until proven innocent '' trying to collect a debt, with a lady who doesn't appear to understand credit laws as it pertains to her job. Yet alone not being able to furnish me with the documentation being used to continue reporting this debt on my credit report.
04/29/2023	Yes	Mortgage Home equity loan or line of credit (HELOC)	Trouble during payment process	CA 94541	Web
Complaint Details I was told that when I got a loan modification in XXXX on my XXXXXXXX XXXX, the second loan was forgiven. I during that time, suffered a XXXX injury in a vehicle accident and I am now a XXXX. I am XXXX XXXX. I rely on my family for everything. We were contacted by XXXX XXXX XXXX XXXX Real Time Resolutions regarding that forgiven second loan and shockingly told that it was NOT forgiven and that it must be paid! Different family members have tried to help me talk to Real Time Resolutions and I am trying to get this solved. I just asked again under the RESPA Qualified Written Request Section Six for loan documents on XX/XX/XXXX that I never received for over four months ( In vilation of my Federal Qualified Written Request-RESPA ) from XXXX XXXX XXXX after months of repeated written requests to Real Time Resolutions so that my family members could read and understand what happened. The documents ( Note and Deed of Trust ) finally were sent to me Thursday, XX/XX/XXXX by XXXX XXXX XXXX. I sent a email Monday, XX/XX/XXXX back to XXXX XXXX saying that the family would review the documents and we would be in touch with them. Suddenly, I receive a notice of FORECLOSURE from Real Time Resolutions recorded XX/XX/XXXX! Shocking and abusive. I was not told this might happen! What a shock! I am a nervous wreck. My mother has been hospitalized twice XXXX XXXX XXXX from this abusive manner of communication. I called Real Time Resolutions and asked representative XXXX XXXX to let me speak with Supervisor XXXX XXXX because I wanted to find out why I was slammed with this unexpected Foreclosure when I had been working in GOOD FAITH to try to solve this. XXXX XXXX was not available and I was transferred to XXXX XXXX. When I spoke with XXXX XXXX, she said I was giving them the runaround repeatedly asking for the same documents. I told her I needed all ( Note & Deed ) of the documents ( not just some of them ) to talk with my family and I had not received all the documents until XX/XX/XXXX. XXXX XXXX said that I was giving them the runaround and that they could file foreclosure WHENEVER they wanted to. This was unkind and abusive. This is very distressing to me. I am sick as a result of this threat. In addition, they offered a settlement amount payoff of {$100000.00} in XXXX. I am XXXX under California State Law. I am on limited income and have no where to go. I was told this debt was eliminated when I got the modification in XXXX. I have been working in good faith with Real Time Resolutions and I believe I should not be subjected to this abrupt abusive treatment. I would like to find out how RTR will change its policy to avoid future inadequate internal control failures that have resulted in my being pushed off a cliff into foreclosure. I told XXXX XXXX I would be asking for outside help regarding this bad treatment and a opportunity to settle my debt for {$25000.00} paid at {$500.00} per month.. If RTR can offer me payoff at {$100000.00} in XXXX is it possible to give me a discount to {$25000.00} due to these circumstances? CFPB please help me.
07/12/2023	Yes	Mortgage Home equity loan or line of credit (HELOC)	Struggling to pay mortgage	CA 90706	Web
I had requested Loan modification under HAMP program in XXXX for both my mortgages with XXXX XXXX XXXX. XXXX XXXX XXXX did not follow the Federal Guideline under HAMP Program and made several error at the time of modification including but not limited to : 1 ) Loan to Value On the HUD and IRS website, under HAMP, if a mortgage loan is being considered for a HAMP modification and if the ratio of the amount owed to the value of the home is greater than 115 percent, then the servicer must consider whether a Principal Reduction AlternativeSM ( PRA ) principal reduction should be effected as one part of the HAMP modification. In the modification analysis prepared by XXXX XXXX XXXX employee, XXXX XXXX on XX/XX/XXXX, the LTV was 147.53 % which is greater than the 115 % stated in the rule. XXXX XXXX XXXX did not reduce the principal and in all documentation that I have this was not considered. The rule states that the servicer must consider principal reduction as one part of the modification there is no showing or indication that principal reduction was considered during my loan modification. 2 ) Debt to income ratio On the HUD and IRS website, under HAMP, a participating loan servicer must consider a sequence of modification steps for each eligible homeowners mortgage loan until the loans monthly payment is reduced to 31 percent of the homeowners verified monthly gross ( pre-tax ) income. Sometimes, a change in the mortgage loans interest rate is sufficient to reach the 31percent target. Sometimes additional modification steps of term extension or forbearance are necessary as well. In the modification financial analysis the numbers provided by XXXX XXXX XXXX calculated the Debt to income ratio at 44.68 % instead of meeting the 31 % reduction required by the HAMP guidelines. Although they extended the term to 40 years the calculations did not arrive at the required 31 % and in that case the forbearance option should have been applied to reduce it to that number. 3 ) Failing to include the 2nd mortgage in modification. On the HUD and IRS website, under HAMP Second Lien Modification which provides modifications and extinguishments on second liens when there has been an eligible first lien modification on the same property. Here there was an eligible first lien modification on the property, and I was never provided with an option to extinguish or modify the second. Throughout the modification process I included the loan number for the second to have them both modified and it was never addressed. Real Time Resolution did not provide copies of notices of bill as requitred by law to my home address/property address. I was served with forclosure notice in XXXX of XXXX only by their attorney XXXX XXXX to my home address. Now my house is under foreclosure from Real Time Resolution for the 2nd Mortgage.
10/02/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 956XX	Web
In XXXX, XXXX XXXX XXXX sold $ XXXX of debt to Real Time Resolutions as I was not making payments on this line of credit, nor was I making payments on my first or second mortgage either, because we were upside down on the home ( owed {$450000.00}, sold for {$180000.00} ). The home was foreclosed on in XXXX of XXXX. This XXXX, XXXX, I pulled my credit reports, and noticed that Real Time Resolutions ( RTR ) was reporting a debt collection as a 'Mortgage ' and that it was 'Open '. This means the debt could be reported indefinitely. I sent RTR a letter, XXXX/XXXX/XXXX, demanding that they correct this as 'closed ', report is as a debt collection, list the original creditor and the original date of delinquency, as I believe it is past the statute of limitations on 7-Year reporting. I also demanded a copy of my 'Loan ' documents as well. RTR had previously had to remove a fraudulent report of a one-time payment, shortly after the foreclosure, I feel in a deceptive attempt to " RE-AGE '' this account. Why would I make a payment on anything on a home that I had already moved out of, and left for foreclosure? RTR corrected it. I just received a letter from RTR, XXXX/XXXX/XXXX, stating the information would not be changed, that it is 'correct ', with a cheap spreadsheet attached called " Loan History Summary '' ( also showing no payments ). I did not receive copies of the original " Loan '' documents as requested. Real Time Resolutions is a debt collector and a debt purchaser. They are not a mortgage company. I want the debt listed as a collection, with the Original Creditor listed and the Original Date of Delinquency listed as well, so this debt will drop off soon, if not now, as I believe I had not been paying on this equity line long before I stopped paying my mortgage. Otherwise, I want REAL proof that I signed a mortgage with this company, as demanded. What RTR is doing is DECEPTIVE, ABUSIVE and UNFAIR, and violates the Dodd-Frank Act. My credit is not improving after the foreclosure which happened over XXXX years ago. It is stagnant because of RTR, forcing me to pay higher interest and fees, and even forced me to pay an additional deposit on a home I just rented in XXXX, XXXX, due to my credit score. My current credit reports do n't even mention the old mortgages anymore, only RTR remains. I have read that RTR does all this to force settlements/payments, as they are the only ones left after foreclosures, and people ca n't move on and rebuild their lives until RTR gets paid, only because people are n't educated on Real Time Resolutions deceptive practices. Please help us resolve these issues, help us get proper documents as proof that we owe or do not owe, and make RTR report this debt as a collection correctly to the reporting agencies. Thank you.
06/24/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NY 109XX	Web
I previously submitted the following complaint : I have previously submitted this complaint. Real Time Resolutions ( RTR ) is the current servicer of a loan that had previously been serviced by XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX had reported the loan as a charge off more than 6 years ago. In RTR 's response to my complaint they attempt to claim that XXXX 's reporting was incorrect and that my complaint was directed at the wrong servicing company. Although I have never stated that the RTR they continue to take that position, and it appears that their only reason for doing so is to support their " belief '' that they are properly reporting the loan. I have requested XXXX to notify myself in writing, with a copy to RTR, confirming that XXXX ' prior reporting was in fact correct. This is a simple verification that RTR could have done with XXXX but they continue to fail and refuse to do so. I have obtained limited relief from XXXX who was able to determine that RTR was in fact a duplicate report of this account that had been reported by XXXX more than six years ago, and in fact removed RTR 's reporting from XXXX. However, RTR continues to report the loan to XXXX who to date continues to include RTR 's reporting on my credit, even though the prior charge off had been reported more than six years ago. I need RTR 's reporting of the account to stop immediately and for them to remove any prior reporting of this account. RTR should also provide any and all documentation provided at the time of transfer which indicates if this loan was in fact previously reported as a charge off, or if the account was transferred as a current account, not merely state their belief, that conveniently supports their position. Further, RTR should b e held accountable for their actions. As noted in the complaint, I do not have a dispute with XXXX. RTR has for the second time responded that they believe they are reporting this properly, but once again fail to submit any documentation or other basis for their belief. When the loan was transferred to RTR the loan was properly listed as a charge off by XXXX. ( I HAVE NO COMPLAINT AGAINST SLS FOR THIS, and RTR 's ATTEMPT TO INCLUDE THAT IN THEIR RESPONSE IS TO MERELY SHIFT THE FOCUS AWAY FROM THEIR ACTIONS. RTR is well aware that this loan was a charge off prior to their obtaining the service rights for this loan. That charge off was reported for more than 6 years. RTR did not start reporting this loan for many month after the acquisition, and their reporting of an old derogatory item that is ready to be removed from my credit history is patently unfair. THIS IS NOT THE FAULT OF XXXX, THIS IS SOLELY DUE TO THE ACTIONS OF RTR AND THEY MUST STOP THE REPORTING IMMEDIATELY. Thank you for you attention in this matter.
07/21/2020	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt is not yours	MI 480XX	Web
I mailed, by and through my attorney, to Real Time Resolutions ( Real Time ) a Qualified Written Request and Notice of Error pursuant to 15 U.S.C. 2605 et seq. and a Notice of Error pursuant to 12 C.F.R. 1024.35 on XX/XX/2020. The purpose of the Qualified Written Request and Notice of Error was to notify Real Time that the lien on the property is expired because the statute of limitations to enforce the promissory note and mortgage granting the lien have expired. I submitted my Qualified Written Request and Notice of Error to Real Time because Real Time purports to be the mortgage servicer although there is no assignment of mortgage recorded in favor of Real Time. Real Times inadequate response to the Qualified Written Request and Notice of Error is the basis of this complaint. On XX/XX/2020, Real Time purported to respond to my XX/XX/2020 Qualified Written Request and Notice of Error. Although my XX/XX/2020 Qualified Written Request and Notice of Error clearly and unequivocally informs Real Time that the promissory note and mortgage it purports to collect upon are expired under Michigan law, Real Times XX/XX/2020 letter seeks to collect an alleged balance of {$170000.00}, when any amount that was allegedly owed to Real Time or the creditor Real Time allegedly services the loan on behalf of is now an expired debt under Michigan law. Real Times XX/XX/2020 states, '' Real Time Resolutions , Inc. ( RTR ) is servicing a delinquent mortgage with respect to the above-referenced property .. .RTRs documentation shows that a lien associated with this account remains on the property. If you have reason to believe that this not true, please contact RTR so that we can update our records. '' As requested on page 2 of my Qualified Written Request and Notice of Error, Real Time failed to 1 ) make appropriate corrections to indicate that the debt and mortgage are expired, 2 ) release the lien associated with the expired mortgage, or 3 ) provide me with a written explanation or clarification if RTR [ Real Time ] believes the account is correct. Real Times XX/XX/2020 letter fails to provide a substantive response to my XX/XX/2020 letter because Real Time does not address my assertion that the promissory note and the mortgage securing the promissory note are both expired under Michigan law. Real Time further fails to provide a substantive explanation as to why Real Times lien is valid if the promissory note and mortgage from which the lien was derived are no longer valid. Real Times XX/XX/2020 letter is an implicit refusal to remove the lien but provides no legal explanation as to why Real Time is entitled to enforce the purported lien in light of the expired promissory note and expired mortgage.
01/29/2019	Yes	Debt collection Mortgage debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	MD 20653	Web
XXXX : My significant other and I purchased a home in XXXX and were never married. Because I have a XXXX XXXX my significant other handled the house-hold finances up until I learned that she and later my adult daughter was taking advantage of my vulnerability. In XXXX our home went into foreclosed proceedings for the 4th time and I got the funds from my sister for the second time to bring the mortgage current. I made my sister power of attorney and sought legal actions which resulted in both being removed from the home. XXXX : While cleaning out a closet I once shared with my significant other I found an old document from a company called Real Time Resolutions in regards to a an outstanding loan balance demanding money for a loan that I have no knowledge of. XXXX XXXX XXXX XXXX is the company who serviced my mortgage in XXXX until it was sold to XXXX XXXX XXXX XXXX in XXXX whereas my mortgage is in good standings. My sister called Real Time Resolutions to find out who they are and to get information about the found document. She was told that it was a loan signed by me and my significant other for {$46000.00} and that if I did not make the back payments and bring current ( approximately {$25000.00} ) that they will put a lien on my property. My sister asked them to explain why they have not bothered me before and why wait until so many years to passed by. According to the date on the document I found it has been over 10 years. My sister went on to explained how my significant other and adult daughter forged documents to seek financial gains and that she will need to see a copy of the signed loan documents. She went on further and requested them to mail her copies of all documents containing signatures, modifications, loan transfers, loan notices and all future correspondence regarding this account to her address but was not successful. XXXX : On XX/XX/XXXX my sister sent another request only this time in writing for the above information to be mailed to her within 15 days, Real Time sent her a response dated XX/XX/XXXX ( 1 month and 12 days later requesting more time to gather the requested documents. Sister did not receive the requested documents from Real Time Resolutions but instead received a letter dated XX/XX/XXXX stating that on XX/XX/XXXX the loan was sold to XXXX XXXX XXXX XXXX XXXX but I should make the payment to Real Time Resolutions. My sister and I are concern that Real Time Resolution dragged their tail on getting her the proof because they have no proof and did not honor her request and in a timely manner. We also wanted to know why after so many years you are harassing me and threatening a lien or foreclose on my property
06/13/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	TN 377XX	Web
On XX/XX/XXXX I filed a dispute with XXXX concerning an account that popped up on my credit report for Realtime Resolutions. It stated that it was a closed account, was OK in XXXX, XXXX then 180 days past-due. They showed the last payment in XX/XX/XXXX. The note said it was a closed mortgage account that the collateral was released on with a balance owing. I filed the dispute stating that this was not my account. I sold my house several years ago and had never heard of this company and have never paid them anything. On XX/XX/XXXX, I received an email that XXXX had completed the investigation on XX/XX/XXXX. I tried several times to access their website but it does not work. I called their XXXX and spoke with a man who spoke very poor English. He started giving me the results from a dispute that I had filed years ago, not the current dispute, even though I had given him their confirmation number. He then told me that he would take my dispute information over the phone. I gave him the information listed above and he gave me a new confirmation number XXXX. Today, XX/XX/XXXX, I received an email from XXXX that the investigation was complete. I again tried the website to no avail. I called the XXXX number again, gave another man who spoke even worse English my information and my confirmation number. He asked several questions to verify my identity, one of which was where was my mortgage and how much was the payment. I told him that I do not have one. This is the account that I am disputing but my former mortgage was through XXXX. He told me that he couldn't verify my identity and that he couldn't help me. I asked him where he was and he told me that their offices were in XXXX. I asked again if that is where he was speaking to me from and he said no, he is in the XXXX. That is quite un-nerving. I gave my information to someone in the XXXX, something I would never have done. I looked at my credit report on XXXX XXXX following the call and the account I had questioned had been moved from closed to open and 180 days past due. All my other accounts show a 100 % payment history because I make sure to pay them all on time. This has given me a 70 point hit on my credit score for something that I have never heard of, did not open an account in XX/XX/XXXX or any other time and is not an open account that I have anywhere. Not only was an investigation not done that I can tell, I can not even access the information through the available channels as the website does not work and the calls go directly to the XXXX where the language barrier is formidable.
08/18/2018	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	WV 261XX	Web
Real Time Resolutions, Inc. sent a letter RE : Notice if Servicing Transfer dated XX/XX/XXXX. In the letter it states : " You are hereby notified that collection duty associated with the above referenced file, that is the right to collect payments from you, if applicable, is being transferred from XXXX XXXX, XXXX to XXXXeal Time Resolutions , Inc. ( " RTR '' ), effective XX/XX/XXXX. This letter shows a Principal Balance of {$3700.00} with a date of last payment being XX/XX/XXXX. The next letter that I received dated XX/XX/XXXX shows an outstanding principal of {$3700.00}. In addition it shows : Principal : {$1.00} Regular Payment : {$1.00} Past Due Amount : {$220.00} Total Amount Due : {$220.00} It also included a " Delinquency Notice '' : " You are late on your account payments. Failure to bring your account current may result in fees. Your account became delinquent on XX/XX/XXXX and, as of XX/XX/XXXX, you are XXXX days delinquent on your account : Recent Account History Payment due XX/XX/XXXX : Unpaid Balance of {$1.00} Payment due XX/XX/XXXX : Unpaid Balance of {$1.00} Payment due XX/XX/XXXX : Unpaid Balance of {$1.00} Payment due XX/XX/XXXX : unpaid Balance of {$1.00} Payment due XX/XX/XXXX : Unpaid Balance of {$1.00} Payment due XX/XX/XXXX : Unpaid Balance of {$1.00} Current Payment due XX/XX/XXXX : Unpaid Balance of {$1.00} Total Amount Due : {$220.00}. You must pay this amount to bring your account contractually current. I feel that Real Time Resolutions, Inc. is using false, deceptive and misleading practices, and are trying to re-establish this debt. XXXX XXXX XXXX made the following statement in a letter dated XX/XX/XXXX : " Please be advised that we can not bring legal action to collect this debt or threaten to do so because the statute of limitations has expired. IF YOU DO MAKE A PAYMENT, we may later be able to bring action to collect this debt because the payment may start a new statute of limitations ''. In a letter dated XX/XX/XXXX from XXXX XXXX XXXX they stated : " The law limits how long you can be sued on a debt. Because of the age of your debt, XXXX XXXX XXXX, XXXX. and/or XXXX will not sue you for it and XXXX XXXX XXXXXXXX, XXXX, and/or XXXX will not report it to any credit reporting agencies ''. This debt was discharged in Bankruptcy in XXXX. Real Time Resolutions Inc continues to request a payment every month for {$3700.00} with the most recent being XX/XX/XXXX. I have requested Validation of this debt twice from them and have received no response either time.
07/29/2015	No	Mortgage Home equity loan or line of credit	Application, originator, mortgage broker	CA 92860	Web
In XXXX XXXX I became a victim of predatory home loan lending when I secured a home equity line of credit with XXXX XXXX Loans. XXXX XXXX XXXX purchased XXXX Home Loans & subsequently transferred my Heloc loan to a company called Realtime Resolutions. I have contacted this company to offer a settlement of 10 % of the loan balance even though the loan was made available to me by XXXX using the following predatory lending techniques ; stated income in an amount that exceeded my real income at the time by more than {$5000.00}, using only my name on the loan and not both my husband 's and my name on the loan, and using an inflated home value created by XXXX real estate appraisal company called XXXX. In XXXX, XXXX XXXX XXXX through XXXX approved a Principle Reduction on my primary loan based on the true fair market value of the property. A principle reduction or extinguishment of the Heloc loan should be awarded me based on the unfair & predatory lending procedures used by XXXX when to award me the loan. I recently addressed this issue with Realtime Resolutions and was told by XXXX XXXX that there were no updates from XXXX XXXX XXXX regarding any settlement awards being offered to those customers whom XXXX XXXX XXXX had transferred Heloc loans to Realtime Resolutions for collection activity. I spoke with XXXX XXXX XXXX customer service and was told to contact Realtime Resolutions to seek a settlement offer. I am truly getting the run around between XXXX XXXX XXXX & Realtime Resolutions to have the Heloc loan settled under the same terms as the primary loan via the facts of the lawsuit won by the XXXX against XXXX XXXX XXXX in XXXX & in XXXX of XXXX. Please assist me in requesting that the Heloc loan assigned to Realtime Resolutions for servicing and collections be transferred back to XXXX XXXX XXXX since XXXX XXXX XXXX is the owner of the note and should apply settlement provisions to this note as were provided to the primary home loan via the XXXX lawsuits. The burden of not settling this loan either by extinguishment or by agreeing to a 10 % settlement results in my debt to income ratio being horribly distorted, having a continual decline in credit scorings & ratings by the XXXX major credit bureaus, being offered consumer credit at very high rates up to & including high interest rates on car loans, credit cards, insurance payments and the denial of credit offerings. In addition Realtime Resolution continues to negatively report on this account to all 3 major credit bureaus.
08/14/2020	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	CA 90606	Web
My name is XXXX XXXX. In 2011, I filed bankruptcy. I had a 2nd mortgage on my property at XXXX XXXX XXXX XXXX Ca. XXXX. I was given the option to keep the 2nd as a lien on my property and if/when the property sold, the debt would be paid. That is how I understood it. I received notice that a company called Realtime Resolutions bought the 2nd mortgage. It would always say if you filed bankruptcy, this is not an attempt to collect a debt. I just assumed it was for informational purposes only. Early XXXX, my WHOLE family started receiving phone calls that my home was in pre-forclosure. I thought it was a joke. I pay my mortgage on time every single month. Never once did I receive a phone call from real time resolutions to try to resolve this. In XXXX, I reached out for legal advise. They looked into and said the best thing I could do was to fill out a loss and mitigation application. He advised me that these companies buy the loans for pennies on the dollar and they would most likely settle. I first reached out to family to see if I could borrow some money to help settle. Once I got a good amount of money, I filled out the application. I was going back and forth with them. The first letter offered 2 options. Short sale or {$64000.00} lump sum. That lump sum is more than what my statement says is due. Every month, they say total amount due is {$41000.00}. At the time I filled out the application, I was working full time. On XX/XX/XXXX, I was laid off from my job. When I informed Realtime, according to XXXX, any changes to my income or assets bears no weight on their decision which is as follows. 1. pay a lump sum of {$4400.00} and then pay {$260.00} a month until the loan is paid off. 2. short sell your home 3. pay {$65000.00} lump sum to pay off loan. Yes, this is what is happening. I don't have that kind of money. I felt bullied into paying something that was way more than what I owe. They are rude and to do something like this during a pandemic is unacceptable. I offered to settle but never did I imagine it would be {$20000.00} more than what my statement shows. I feel like I did all that I can do to try to settle. I can barely afford to pay my own bills let alone come up with this ridiculous amount of money. I live check to check right now and I cant afford another monthly payment. I would hope that Realtime is willing to make a fair and just settlement with me. Not one that either breaks my bank of throws me and my family on the streets. Thank you
10/31/2023	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	CA 91765	Web
In XXXXXXXX XXXX XXXX I was given two mortgage loans on my home an 80 % 1st and 10 % 2nd mortgage with XXXX. The XXXX loan balance was {$99000.00}. In XXXX I was unemployed and I fell behind on payments on the 2nd mortgage, and my home had negative equity at the time. In XXXXXXXX XXXX XXXX XXXX XXXX the new servicer, sent me a settlement letter for {$7900.00} to close the account. I called to get further instructions on how to send the payment but then was advised they could not take payment, the account would be charged off and the lien on my home would be released. No further payments would be due. The loan was charged off in XX/XX/XXXX but I never received the lien release. In XXXX I did file for Bankruptcy XXXX XXXX and included the debt. Within several months I received a notice from XXXX XXXX XXXX that they now owned our loan. I contacted them several times during XXXXXXXX about the release on the 2nd lien. They claimed to have no record of the settlement or release on my loan from XXXX or XXXX XXXX. I was advised to sell the home in a short sale and settle the balance, something I couldn't do. I never received any monthly bills from XXXX, only an annual privacy statement. Then in XXXX I received a notice from Real Time Resolutions as now the new owner of my account. I contacted them and was told my balance was {$99000.00} and the monthly payment would be {$420.00} per month. They began to send monthly statements. They asked I start making monthly payments immediately or my home could be foreclosed upon. I sent them the {$420.00} in XX/XX/XXXXXXXX XXXX per the monthly statement, but the following month the payment didn't show it was applied, it said placed in a suspense account. I called them to ask why the payment went into a suspense account and they told me the balances would be updated and to keep sending the amount of {$420.00} per month. I did not make any more payments. Soon after the new statements showed I was past due over {$60000.00} and the new monthly payment was {$1200.00} per month. I again called them and was told the best option was to send that monthly payment or to sell the home and they would consider a short pay. This account should have been closed and the XXXX released back in XXXX. However the servicing rights continue to transferred and I have not been able to resolve the account. This is the only home I own, and selling isn't a viable option for me and my children.
08/11/2015	No	Mortgage Home equity loan or line of credit	Loan servicing, payments, escrow account	CA 92506	Web
( Please see previous XXXX submissions to CFPB Case number : XXXX ) This request was also sent to XXXX, and there response suggested that I contact you again. There response is unacceptable. I have contacted Real Time Resolution to request that they provide me with the copy of the actual recent assignment of a faulty note. They have been unable to provide me with the copy of the assignment that shows the Deed of trust was sold and assignment to an investor that XXXX transferred the rights to service to Real Time Resolutions. The original note was changed and signature page altered so that it could be recorded in CA. I only received what appears to be an unprocessed document, that may have even been ROBO signed, to satisfy the QWR that I sent in. It appears faulty for one, because the fax date at the bottom of the supposedly notarized document, is dated before the formal notarized date of what was supposed to be a copy of the original document. Real Time Resolutions states that servicing was transferred to them. I have requested 3 times, the proof of their right to collect for the owner of the faulty note. Not the assignment but the assignment to the entity that they are collecting for. l challenge the validity of the document that was sent to me, as it is supposed to show the assignment of deed of trust. ( See attached ). The deed is blank, not recorded, and the fax date if prior to the signature date ( strange ). XXXX XXXX no longer owns the debt, and says I owe {$0.00}. XXXX says I owe {$0.00}. I have asked that RTR provide me the assignment to the purchaser of the note, that they are supposed to be servicing for, or please reconvey title to me. The document that was sent to me appears to be ROBO Signed, in order to satisfy my Qualified Written Request. It is supposed to be a copy of the original deed of assignment. The fax information at the bottom of the paperwork has a date XXXX/XXXX/14. This date is before the actual notary date of the assignment ( strange ). Additionally, the notary public of Iowa was not supposed to leave any BLANK lines on the document. See attached rules of notarization of Iowa. This document does not satisfy my request and again, I am submitting a QWR that you provide me with the recorded document that transfers the debt to whomever Real Time Resolutions has the rights to service or collect for. If you can not provide this, please Re convey title to me immediately.
04/27/2015	No	Mortgage Other mortgage	Application, originator, mortgage broker	UT XXXXX	Web	Older American
IN XXXX I HAD TO REFINANCE BY PRIMARY RESIDENCE IN ORDER TO GET MEDICAL CARE IN UTAH! THE TERMS I AGREEDED TO PAY EXTRA FOR WERE AGREED TO BY XXXX AND MY APPLICATION WAS APPROVED BUT HAD TO BE RE-DONE PER THE BANK TERMS! I AGAIN WAS HANDED A BUNDLE OF PAPERS THAT WERE CLIPPED AND RUBBERBANDED WITH " SIGN HERE ARROWS '' AS THE AGENT FLIPPED THRU THE DOCUMENTS HAVING BE SIGN OR INITAL ; I NEVER WAS GIVEN THE OPPORTUNITY TO READ MUCH OF ANYTHING! WHEN I ASKED ABOUT THIS PROCEDURE I WAS INFORMED I WOULD GET A COPY OF ALL DOCUMENTS ARE REQUIRED WHEN THEY WERE PREPARED, PER STATE AND FEDERAL LAWS ( WHICH I HAD GONE THRU SEVEAL TIMES SINCE WE BUILT THIS PROPERTY AND OTHER PURCHASES OF THE PAST ) ; BUT I NEVER RECEIVED ANY COPIES, ALL I GOT WAS A MORTGAGE STATEMENT IN MID XXXX FROM XXXX, WHOM I NEVER HEARD OF TO THAT DATE!?! I CALLED MY AGENT AND HE SAID TO CONTACT XXXX AND LET HIM KNOW WHAT I WAS TOLD ; WHICH WAS XXXX AGREED TO FIX XXXX LOANS BUT NEEDED TO SPEAK WITH MY AGENT SO GOT BACK TO MY AGENT AND GAVE HIM THE NUMBER TO CALL AT XXXX! IT WAS CONTFIRMED AND CW AGAIN ASKED ME TO CONTACT THEM, AT WHICH TIME THEY CONFIRMED THEY WOULD FIX THE LOANS BUT TO GO AHEAD AND MAKE THE PAYMENTS IN GOOD FAITH AS THE PAYMENTS WOULD CHANGE MUCH AND I WOULD GET ANY CREDITS DUE ME! BY XXXX XXXX THE LOANS WERE NOT FIXED AND WE COULD N'T GET CW TO RETURN ANY CONTACT EFFORTS, SO MY AGENT TURNED THE MATTER OVER TO ATTORNEY XXXX XXXX, WHOM INSTRUCTED ME TO STOP MAKING THE PAYMENTS AND SEND HIM {$3000.00} FOR A RETAINER, WHICH I DID!?! THEN XXXX XXXX XXXX TOOK OVER THIS MESS AND OTHER THAN PLACING MY LOANS INTO THEIR " PROBLEM LOANS DEPARTMENT '', AND DUMMING THE XXXX MORTGAGE WITH REAL TIME RESOLUTIONS, INC., DID NOTHING WITH THE LOANS, I CALLED THEM MONTHLY AND JUST GOT THE RUN AROUND! XXXX THEN TURNED THE XXXX MORTGAGE OVER TO SPS ( SELECT XXXX SERVICING, XXXX XXXX WHOM, AFTER MY ATTORNEY XXXX XXXX BAILED OUT AFTER DOING OR ACCOMPLISHING NOTHING FOR ME, I LOCATED XXXX XXXX XXXX XXXX AND HE WORKED OUT A MODIFICATION WITH SPS BUT THE MODIFICATION WITH REAL TIME RESOLUTIONS , INC . TURNED OUT TO BE A SAND-BAGGING WITH A {$30000.00} " BALLOON PAYMENT '' ISSUE I CHALLENGED, AND ASKED FOR ACCOUNTING FOR WHAT IT WAS FOR!?! THEY ALSO TERMINATED THE MODIFICATION BECAUSE I DID N'T TAKE IT BY THEIR DEADLINE, SO NOW WE ARE BACK WITH MY " DISPUTE '' BUT THEY ARE JUST GIVING ME THE ROUND AROUND!
05/28/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	SC 290XX	Web
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Real Time Solutions XXXX XXXXXXXX XXXX, XXXX XXXX Re : Real Time Solutions partial account # XXXX ; XXXX partial account # XXXX Dear Real Time Solutions and XXXX This letter is in response to the account being reported currently on my credit report concerning the collection of the above reference dating back to XX/XX/XXXX. I do not believe I owe what you say I owe therefore I dispute this debt. I am well aware of my rights under the Fair Debt Collection Practice Act ( FDCPA ) and my state laws so I hope to save both of us a great deal of time by letting you know that not only do I dispute the validity of this debt, I have also checked with my State Attorney General and verified that the Statue of Limitation for enforcing this type of debt through the courts in XXXX XXXX has expired. I have attached a copy of my statue limitation that confirms the limitation in XXXX XXXX is three years. Based on the information reported to all three credit bureaus this account was open on XX/XX/XXXX which will result in this account not only being unverified but also passed the timeframe of statute being open for a total of three years and five months. Therefore, should you decide to pursue this matter in court I intend to inform the court of my dispute of this debt and that the statute of limitations has expired. Documented status reported directly to the credit bureaus states that this account is scheduled to continue on my report until XX/XX/XXXX further more confirming the statute of limitation in XXXX XXXX of three years. A copy of credit report is attached. This letter is a formal notification that I consider this matter closed and demand that you or anyone affiliated with your company, as well as any collection agency attached to this un-validate account be removed from all credit bureaus. I look forward to you contacting me in writing to advise me that your debt collection efforts are being terminated or that you or the creditor are taking specific actions allowed by the FDCPA or my state laws. Be advised that I consider any contact not in accordance with the Fair Debt Collection Practices Act a serious violation to my State Attorney General, to The Federal Trade Commission and, if necessary, take whatever legal action is necessary to protect myself. XXXX XXXX
03/14/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 77386	Web
In XXXX of 2011, the house that I owned was short sold ( agreed by the mortgage company ) to another couple. In this process, XXXX XXXX XXXX, who has become Real Time Resolutions wrote a promissory note in the amount of {$15000.00}. At the time, I was convinced that this was the only option that I had due to the hardship that was being faced by my family. After the closing on the house, we were not able to make a payment to the promissory note. It has now been 6 years and 9 months. I have had multiple conversations with the team over at XXXX about how this account is being report on my credit report. The agents themselves have told me that the information they are reporting does not make sense. The first item is that this is being reported as a mortgage, but I do not own property to have a mortgage against. This property was sold back in 2011 and can not be considered a mortgage or real estate loan. The second thing is that XXXX advised that Real Time Resolutions continues to change the status of the report to make it look like payments have been made on the account in order to reset the date that the account would fall off of my report. The third thing is that this is reporting as a mortgage loan that has not been paid on in almost seven ( 7 ) years. I do not know of any financial institution that would allow someone to live on real property in a master planned community that has not been paid on in this amount of time. This would have been a foreclosure years ago if this was a true mortgage. This is yet another instance showing that the account should have been closed years ago and should not continue to have changes in reporting to the credit bureaus to have this to unfairly continue to report negatively against me. I have reported to both XXXX and XXXX that I do not own any real property and therefore can not have an open mortgage account on my credit report. They have disputed this with Real Time Resolutions, but they keep sending inaccurate information back to the credit bureaus of this being a mortgage account with no property attached, changing the status of the payments in order to have the credit reporting agencies to continue to report this account. This account is not being reported in accordance with the Fair Debt Collection Act and needs to immediately be removed from my credit reports.
04/28/2023	Yes	Debt collection Mortgage debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	CA 92882	Web	Older American
I acquired a HELOC which is currently being serviced by Real Time Resolutions. Since I have been with them, they have given me the run around, escalated the remaining amount due, won't validate how they acquired the accounting, given me different people to talk to who had no knowledge of my situation & harassed me with constant phone calls. The loan amount originally locked at $ XXXX & from the time they assumed it, they claimed the balance is {$100000.00} the previous services had a balance of approximately {$35000.00}! I had been paying the previous servicers & experienced financial hardships. We were to execute a Temporary Payment Arrangement, there was to be no interest accrued. I payed the required amount and additional payments thereafter, while continuing to ask them to show proof of their outrageous balance. The TPA was never honored correctly because they continued to show interest accrual, they never documented the payments on the statements so I retained legal assistance to investigate with the documents that I had in my possession. I have names of persons that I had spoken to, notes & dated documentation. Then Real Time became predatory and sent out a letter of threat to foreclose on my property, even though they have 2nd position! My legal aid had corresponded with them since last year, XX/XX/XXXX with only the same run around. They stated in a letter dated XX/XX/XXXX, that the loan matured XXXX but had not sent me a letter of intent until XX/XX/XXXX after the mature date. Then they filed a Default with intent to sell my property XX/XX/XXXX but did not mail out the Notice to me until XX/XX/XXXX per the post mark date & I didn't receive the notices until the first week of XXXX! I started getting phone calls & text messages from investors & realtors to purchase my home that is how I found out. So to date, Real Time HAS NOT complied with the 3rd party authorizations to give up any information regarding their accounting. I had been doing constant research calling various agencies to help me & my family with this nightmare problem, & I came across the HUD Agency USA Homeownership Foundation who immediately started working with me to help as the tentative sale date is XX/XX/XXXX. Please Help, Your assistance with this urgent matter is genuinely appreciated. Thank you.
08/30/2022	Yes	Debt collection Mortgage debt	Written notification about debt Didn't receive enough information to verify debt	NV 89509	Web	Older American
Please refer to the following statute, I am a granter of the MERS-HELOC DOT, NOTE and reside at the residential property XXXX XXXXXXXX XXXX XXXX NV XXXX referred to in the DOT and NOTE. XXXXRequest by grantor of deed of trust for certified copy of note, deed of trust and assignments. 1.A grantor of a deed of trust may submit a written request to the servicer of the deed of trust for a certified copy of the note, the deed of trust and all assignments of the note and deed of trust if : ( a ) The real property subject to the deed of trust is a single-family dwelling ; ( b ) The grantor is the owner of record of the real property ; ( c ) The grantor currently occupies the real property as his or her principal residence; and ( d ) The servicer or beneficiary of the deed of trust is a banking or financial institution or any other business entity that is licensed, registered or otherwise authorized to do business in this State. 2.Not more than 10 days after receipt of a written request pursuant to subsection 1, the servicer of the deed of trust shall provide to the grantor the identity, address and any other contact information of the current owner or assignee of the note and deed of trust. 3.If the servicer of the deed of trust does not provide a certified copy of each document requested pursuant to subsection 1 within 30 days after receipt of the request, or if the documents provided by the servicer indicate that the beneficiary of the deed of trust does not have a recorded interest in or lien on the real property which is subject to the deed of trust : ( a ) The grantor of the deed of trust may report the servicer and the beneficiary of the deed of trust to the Division of Mortgage Lending or the Division of Financial Institutions of the Department of Business and Industry , whichever is appropriate ; and ( b ) The appropriate division may take whatever actions it deems necessary and proper, including, without limitation, enforcing any applicable laws or regulations or adopting any additional regulations. 4.As used in this section, banking or financial institution has the meaning ascribed to it in XXXX XXXX XXXX Please fulfill my request for the documents as mentioned in section 1 & 2 of the statute XXXX XXXX XXXX. Thank you
03/19/2015	Yes	Debt collection Mortgage	False statements or representation Attempted to collect wrong amount	TX 77047	Web
The option I needed under false statements or representation was not available, but to summarize my complaint, real time resolutions is representing themselves as a mortgage company rather than a debt collection agency on my credit reports with XXXX and XXXX. I have a verbal recording that was consented to by them on yesterday XXXX/XXXX/XXXX between XXXX RTR employees, myself, my husband and out financial advisor where they admitted to being a debt collection agency not a mortgage company as they are illegally reporting on my credit report. I have attempted to settle the debt immediately with them if the account classification is corrected but the refuse repeatedly stating that even if I pay them in full they will leave the account on my record incorrectly. The property in question was a home I purchased alone in XXXX that became a rental property when my husband and I purchased another home in XXXX. The home was lost due to an illegal foreclosure by XXXX or XXXX as its now known. I attempted to rectify this situation, as my tenant and the XXXX Housing Authority failed to make timely or payments at all in some instances but my only resolve has been the receipt of an {$1100.00} settlement check from a national Class action lawsuit, naming XXXX at fault for the wrongful/Illegal foreclosure. As stated before if the only resolve short of litigation is to pay the debt, I have no problem making a settlement to rectify the situation if that is whats necessary to satisfy the XXXX mortgage, but it just does n't seem right that my home was illegally taken, a settlement was paid to me to provide some compensation to my family and now we are again having our credit damaged due to something beyond our control as the collection did n't take place right away but approximately 3 years later and because its being reported incorrectly as a mortgage account not a collection account, legally my family is unable to purchase a new home due to the new mortgage laws. Had we known this was a possibility, we never would have sold our last home in XXXX XXXX. Therefore my husband, myself and XXXX children are displaced due to their false representation. We have attempted contacting the credit bureaus as well and have been unsuccessful.
04/02/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	UT XXXXX	Web
I filed Complaint XXXX to the CFPB. With no proof whatsoever, Real Time Resolution ( " RTR '' ) submitted an inconclusive transfer notice as their evidence. See their reattached Staker - ( XXXX XXXX XXXX " XXXX '' XXXX XXXX Goodbye Letter. I provided governmental proof XXXX held in XXXX the entire principal had been paid. See the attached XXXX Form 1098. RTR claimed, " XXXX transferred the loan to RTR on the date [ XX/XX/XXXX ] reflected in that letter [ XXXX Goodbye Letter ] with a non-zero balance. '' RTR ignores RTR corrected the transfer date to XX/XX/XXXX. See the attached RTR_Corrected_Transfer. RTR asserts they " did not agree with XXXX issuance of the Form 1098. '' RTR proffers no authority whatsoever to show XXXX acted improperly. RTR claims there was a " non-zero balance '' at transfer. RTR knew this claim ( a " non-zero '' balance at transfer ) is false. See the attached XXXX Servicing File ( generated by XXXX as part of the transfer to RTR with no balances owed ). RTR claims " RTR does not believe that XXXX possessed the authority to purportedly XXXX out the balance of the loan after the transfer to RTR. '' RTR knows their " after-the-transfer '' claim is also untrue. See the attached XXXX Servicing File ( establishing the account balance was XXXX before the transfer date ). I complained RTR 's responses required by XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, are lacking. RTR claims ( again without proof ) to have responded. And so, where are these responses? RTR claims my requests are duplicative. RTR overlooks each Notice of Servicing Error had new additional documents, federal regulations require a new investigation. Attached I have shown clear and convincing third-party ( official ) evidence there is no account balance. I have also produced proof RTR stated facts they know were untrue ( non-XXXX balance at transfer and action " after-the-transfer '' are both false ). On the other hand, RTR lacks proof XXXX acted improperly or there is an account balance. RTR position here boils down to a pretend disagreement with the decisions and actions of the prior servicer. However, it is patent RTR lacks any authority " before-the-transfer '' to sustain their disagreement here.
03/06/2019	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was paid	NJ 07024	Web
My property at XXXX XXXX XXXX, XXXX, NJ XXXX was foreclosed upon in XX/XX/XXXX. Real Time Resolutions ( RTR ) held a second mortgage at the time of foreclosure that remained due. The alleged amount due was {$23000.00}. RTR Claims that they are servicing the debt for XXXX XXXX XXXX ( XXXX XXXX XXXX ) since XX/XX/XXXX. However, the servicing agreement between XXXX XXXX XXXX and RTR was executed on XX/XX/XXXX. Regardless, both XXXX XXXX XXXX and RTR claim to be collecting on the alleged debt owed. I have contacted both RTR and XXXX XXXX XXXX on numerous occasions and advised that I was never sued separately on the alleged deficiency balance due. The New Jersey law listed below was explained to both RTR and XXXX XXXX XXXX. It was ignored by both parties. The New Jersey law listed below clearly states a separate lawsuit must be filed in relation to the deficiency balance to be valid. Deficiency judgments are allowed in New Jersey, but not in the foreclosure action itself. To obtain a deficiency judgment, the lender must file a separate lawsuit within three months after the foreclosure sale or, if confirmation of the sale is required, from the date of the confirmation of the sale. ( N.J. Stat. Ann. 2A:50-1 through 2A:50-2.1. ) The court may limit the amount of the deficiency judgment if the borrower disputes it. The borrower may dispute the amount of the deficiency by answering the lenders suit and introducing evidence regarding the propertys fair market value. The court will then limit the deficiency judgment amount to the difference between the debt and the fair market value as of the date of the foreclosure sale. ( N.J. Stat. Ann. 2A:50-3. ) Neither RTR nor XXXX XXXX XXXX filed a separate lawsuit to bring the alleged debt to a valid status per NJ State law. This alleged should have been extinguished 3 months after the foreclosure sale date took place. However, both RTR and XXXX XXXX XXXX, have proceeded with aggressive collection activity and have reported the debt to my credit bureau report. RTR and XXXX XXXX XXXX are in violation of the FDCPA, FCRA and independent NJ State Laws. Since your agency regulates these laws, I am seeking your assistance on this matter. You can reach me at XXXX or XXXX.
11/27/2018	Yes	Mortgage FHA mortgage	Applying for a mortgage or refinancing an existing mortgage	AZ 85746	Web	Older American, Servicemember
The compliant is with XXXX XXXX XXXX a company that holds a second mortgage lien on our property. A chapter XXXX bankruptcy was filed in XX/XX/2009 which discharged both the first and second mortgages. We have continued to pay the first mortgage but not the second at the advice of our lawyer at the time of the bankruptcy. Neither the first or the second mortgage was reaffirmed. We have tried to work with Real Time through XXXX XXXX and have offered Real Time a {$22000.00}. settlement to release the second lien. Real Time advised both myself and XXXX they would accept the {$22000.00}. and would send the contract to XXXX. The loan was changed from a HARP loan to a conventional loan and the home was appraised at XXXX. The current amount owed on the first is about XXXX and quicken was going to approve a loan of XXXX ( 80 % ) of the appraised value to pay off the first mortgage, pay closing costs and pay Real Time the XXXX. Real Time also stated they would be sending a contract to quicken to complete the loan. Real Time did not send the contract and now the Real Time rep states he did not agree to XXXX and now they are saying they want XXXX to release the lien. Neither XXXX or myself can do this and XXXX cancelled the loan. I discussed the matter with the XXXX Rep and she said they did tell her they were going to accept the XXXX settlement which is why XXXX proceeded with the conventional loan process. I believe a good faith offer was made to Real Time based on what I was able to do working with XXXX. Both XXXX and myself were told the offer was accepted and we have E-mails between XXXX and Myself stating they agreed to the offer. If the home 's value continues to appreciate and I keep making my mortgage payments so I believe it will, I believe Real Time will try and foreclose when they feel there is enough equity in the home to justify them Paying off the first. I believe they have acted in bad faith and failed to honor a verbal agreement which has caused severe stress on myself and wife and caused a loss of funds and many more work hours for XXXX XXXX to try and complete a loan they had approved based on information they received from Real Time.
03/08/2022	Yes	Mortgage Other type of mortgage	Trouble during payment process	MO 631XX	Web
It started with XXXX XXXX XXXX, XXXX XXXX. XXXX. Now Real Time Resolutions is involved. They have tried to deceive me to sell my home and money. In XXXX XXXX XXXX and XXXXXXXX XXXX really mess up my loan. By putting mortgage in a Securitized Trust. I applied for a Loan Modification with XXXX XXXX and was approved XX/XX/XXXX. Right after that XXXX XXXX Transfer Servicing to XXXXXXXX XXXX My first statement said I had to pay {$9500.00} when it should have been {$390.00}. From that point it has been downhill. Within four months after my Modification XXXXXXXX XXXXe said I was in default {$11000.00}. They never prove to me how I owe that amount. I was forced to file Bankruptcy. It was very hard at time trying to keep up with arrears payments and regular payments. Then they forced insurance on my in their name. I would send payments and they were not applied. Then again, I was forced to file Bankruptcy it has ruined my credit. Less than a year after my loan Modification. I received a letter XXXX XXXX stated I was in default of a loan on behalf of XXXX XXXX in the amount of {$16000.00}. XXXX put in a claim that was Denied. They had presented so many different documents some was XXXX Mortgage as creditor and then XXXX XXXX as Trustee as creditor. Also, not providing a completed escrow statement and what was actually paid from escrow balance. Next XXXX made up an Assignment from XXXX XXXX to whom they supposedly were Servicing Loan for XXXXXXXX XXXX as Trustee. I contacted XXXXXXXX XXXX and they confirmed they had No affiliation with my property. Now just a month Ago another Assignment of Deed of Trust was filed Stated XXXX XXXXas Trustee has Transferred Deed of Trust To Real Time Resolutions INC XXXX XXXX. In XX/XX/XXXX XXXX XXXX as Trustee stated No affiliation with mortage. Real time Resolutions has sent me over One Hundred Collection notices the month after my XXXX XXXX Discharge XX/XX/XXXX I didn't know who they were. No Assignments filed until XXXX XXXX on XX/XX/XXXX I received a Letter from XXXX XXXX XXXX that they have been appointed Trustee of the Deed of Trust to Foreclose on my home. It is so much more they have cause me so much Distress
06/23/2015	No	Debt collection Payday loan	False statements or representation Attempted to collect wrong amount	CA 92107	Web
I was laid off my job and this account was turned over to a collection company called Real Time Solutions. I received the letter from them in the mail and I called them to make arrangements on the account. I spoke to XXXX XXXX who set up a Hardship Agreement with me to make payments for {$150.00} a month for XXXX, XXXX, and XXXX of 2015. I was told to call back and set up more arrangements after those payments were made and I did to find out XXXX was no longer with the company and I spoke with XXXX who offered me a settlement on the account of {$1800.00}, and to make payments of {$150.00} a month for 12 month. XXXX representatives confirmed and assured me that they would not report me with the XXXX Credit Reporting Agencies and the account was settled. Since I have paid as agreed.I was also suppose to get a letter in the mail confirming the settlement of which I have not received. Today XXXX XXXX I received a email alert from XXXX XXXX where they did report me to the credit reporting agencies on XXXX XXXX, 2015 and are showing it as a new collection account open not settled for the entire amount that was owed. I called in and spoke to a Manager XXXX XXXX and he would not assist me. He told me even though it was reported after I was told it would not be and reporting inaccurately I would have to file and write a dispute letter to their company to correct it even though it was their error for reporting it. He also mentioned that the account could have been purchased by their sister company and reported by mistake? I would like the collection to be completely taken off all my credit reports as promised. I do not owe the amount reported and was told since I paid on time and settled the account they would not report it. I am set up to make my XXXX payment starting XXXX XXXX, 2015 by auto payment. He also stated that because the account was not paid in full they could report the original balance it was their right by Federal Guidelines. The conversation was recorded so you can request to hear the conversation. Lastly from the beginning I was told that because I have paid as agreed and entered into the settlement the account would not be reported.
07/26/2021	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was result of identity theft	KY 40505	Web
I've been receiving statements for over 9 years, from a Paper Error with XXXX XXXX XXXX XXXX Real time solutions apparently was the buyers of XXXX XXXX Debts while they were in Bankruptcy, My bank sent me a letter EXHIBIT ( 1 ) XX/XX/09 Stating my Mortgage payment was not being accepted from Auto pay, and they tried 2 times, So I called and the number was no longer in service, I didn't know at the time what was going on XXXX of XXXX, I receive a Summons for Court for Four closure on my Home of 40 plus years, I received no Notice of default, I wasn't even in delinquency for a forclousure. ( EXHIBIT 2 ) I had enough money to pay a bank ( Exhibit 3 ) if there was a error, I could of paid up the Mortgage payment if I had been informed of the Auto payment error. I finally saw on the News of a ROBO signing error from XXXX XXXX XXXX, ( EXHIBIT 4 ). and everyone involved was getting a Mortgage Forbearance, that was all good until I noticed they added on Attorneys fees and late payments, for an error that was not my fault. ( EXHIBIT 5 ). with that issue in mind, I opted out of the ROBO signed house mill and started looking for an Attorney, While tirelessly looking for an Attorney, my House was sent to the Commissionors office without me knowing about it and given to a Broker to sell ( Exhibit 6 ), I was notified by a friend who was a broker that my house was sold. I never found no evidence of a Auction ( Exhibit 6-1 ). I was then contacted by the alleged buyers and told I had to move, I begged them to stay and had to rent my STOLEN HOME for 9 months, until I decided to find a buyer to buy it for me until I can clear my Identity theft. I found a buyer and they bought my home so that my family and I could stay in our home. ( Exhibit 7 ) Which brings me to Part 2 ( Cover letter to Realtime Solutions ) ... I have been receiving bills from REAL TIME SOLUTIONS for over 9 years for my home that was Stolen by error and sold, ( Exhibit A-A1 ). I contacted RealTime solutions 2 times to stop billing me ( Mail Fraud ) Cease Decist from collecting on a bill That I don't owe due to The Breach of Contract with XXXX ... .I need help with clearing my name.
04/27/2018	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	GA 300XX	Web
On XX/XX/XXXX i received a letter from my second mortgage company, XXXX, that i had been approved on my Home Equity account for a FULL PRINCIPLE FORGIVENESS due to a settlement w XXXX XXXX XXXX and the Department of Justice. the letter went on to state " You do not need to take any further action to accept this offer. Your Home Equity account balance will " AUTOMATICALLY '' be forgiven UNLESS you call us. ( My Bankruptcy atty had been CC 'd on the letter but was never mentioned in the letter. My bankruptcy had been discharged XX/XX/XXXX .i understand i was no longer responsible personally for the debt, but this letter released the property as security for this loan. i still own this property and the first has continued to be current ) on XX/XX/XXXX i received a letter from REAL TIME SOLUTIONS that XXXX ( formerly XXXX ) had transferred the right to collect payments from me to REAL TIME SOLUTIONS ... The amount that they intend to collect is {$40000.00} the letter said to send a letter if you dispute the debt which i did. i called and spoke w XXXX XXXX and once again disputed the debt. He gave me his email sent an email XXXX so i sent another correspondence. i was afraid they might start foreclosure proceedings and i am a well known XXXX in my community and the thought of reliving my name in the paper kept me up many many nights!!! i am proud to say i have been reestablishing credit. On XX/XX/XXXX i received another letter from Real Time Solutions that XXXX told them my attorney XXXX XXXX sent the extinguishment letter BACK and therefor the EXTINGUISHMENT WAS NOT PROCESSED!!! ( on the date of this letter the Bankruptcy had been discharged so he was no longer my attorney ... ) XXXX did not have the authority to process or not process the extinguishment. This was decided in a class action lawsuit with the DEPARTMENT OF JUSTICE! The Security Deed should have been cancelled! it has been 3 YEARS that XXXX did not abide by the ruling. i am not an attorney but it is definitely a violation of federal collection laws. i have all documentation that i will gladly send ... any assistance will be greatly appreciated!!!
06/14/2019	Yes	Mortgage Other type of mortgage	Trouble during payment process	GA 31794	Web
I took out a 2nd Mortgage on my house on XX/XX/XXXX, through XXXX XXXX , XXXX Later it was sold to XXXX XXXX XXXX , XXXX XXXX , then to Real Time Resolutions, who currently holds this loan. The original amount loaned to me was {$15000.00}. After paying on this loan for 14 years now, I still owe {$12000.00}. I called XXXX XXXX ( XXXX ) on XX/XX/XXXX, and spoke to XXXX XXXX. I told him of my issue, requested an amortization schedule showing how my balance is still so high ; he stated that he would have someone call me within 30 days. I never received any sort of response from my first phone call. My 2nd phone call was made on XX/XX/XXXX. I again reached and spoke to XXXX XXXX. He says the loan boarding department reviewed my account and that their figures are correct. I again requested an amortization schedule or any other document that will show me how my payments have been applied and why my balance is still so high. XXXX stated that he would " escalate '' my issue and that I would be contacted within 10 days. Over 4 months later, XX/XX/XXXX, I STILL HAVE RECEIVED NO RESPONSE in regards to my requests. I called today and spoke with XXXX XXXX. He was beyond rude, talked over me repeatedly, then advised that I did not " correctly state my request in my two previous phone calls ''. He also stated that his notes show that my loan, which was set to be paid in full as of XX/XX/XXXX, would not be anywhere near being paid off. He told me that he would request a document showing how my payments have been applied, but followed up with " but I can not confirm that you'll actually get such document ''. I have been paying on this loan for over 14 years at {$210.00} per month and per Real Time Resolutions, I have only paid off a total of {$2500.00}. I would like to know where my money has been posted and how I could still owe so much. I did contact the original loan holder, XXXX XXXX, and since they'd sold the loan years ago, they were not able to help me. I appreciate any assistance you can give as I feel I am NEVER going to get out from under this debt. Kind regards, XXXX XXXX
04/01/2020	Yes	Debt collection Mortgage debt	Written notification about debt Didn't receive enough information to verify debt	GA 30045	Web
We would like to seek your help with an issue that we have been having with the mortgage servicer/debt collection. The mortgage servicer has violated the Real Estate Settlement Procedures Act. While they held an encumbrance on property and they didn't notify the transfer in timely manner to the borrowers. They sent us the documentations showing the property was transferred from XXXX XXXX XXXX until last year. Even through they had it transfer since XX/XX/XXXX according to the documents they recently sent us. They have done so, after we contacted CFPB last year to explain our frustration with the lender. We didn't know if Real Time Resolutions had an interest in the property since XX/XX/XXXX. We know about the lien through a closing in XXXX. Due to all the mortgage frauds that have occurred so much in the country, we made several inquiries to the servicer to require the " Legitimacy '' of the encumbrance. Again, they never told us or explained their right on the property till last year once we contacted you. Recently, we received one of their statement saying they will proceed foreclosure on the property. This loan has an interest RATES of 11:55000 %. This unscrupulous lender has hidden the mortgage, where we would be eligible for a loan modification while the 1st mortgage was modified with an interest rate of 2 % and a reduce principal in XXXX. We believe their action is deceptive and misleading.The lender mentioned, they have contacted us, after we filled for bankruptcy chapter XXXX in XXXX. Yes, we did file for bankruptcies at the moment of great financial challenges, but we never file with their account. Because in XXXX we didn't know about their existence. Real Time Resolutions has failed to disclose in the initial written communication with borrowers.They have used unconscionable act by keeping the account in silence to take advantage of high interest rates. Due to misleading and deceptive acts of the lender. we are asking Real Time Resolutions to release the ENCUMBRANCE of the property free and clear.
01/10/2022	Yes	Mortgage Other type of mortgage	Closing on a mortgage	AZ 85541	Web
Name : XXXX XXXX XXXX XXXX Account : XXXX Address : XXXX XXXX XXXX XXXX XXXX, Az XXXX Am submitting a loss mitigation to recover the payment made to this company. This account was paid on XXXX XXXX, XXXX in full amount. They started off with a mortgage company that went out of business then another mortgage company took it over and then it ended up going to XXXX when I called XXXX which is now XXXX mortgage to find out what the total payoff was they did not have records of no account and were going to do a research. Now XXXX mortgage sent me a letter with the account number and information stating it was XXXX and went to real-time resolution which was paid back in XX/XX/XXXX. So we were not aware of this and house still had a lien on it. So as we were trying to sell our house on XX/XX/XXXX we called Real time resolution to find out more information and to see if they would settle half way on payment or how could we get the title lien release as we were in a crisis to sell our house. And no compromising or luck. Instead we were charged {$42000.00} and XXXX in interest so we paid a total of {$120000.00} in order to have our house sold and release the title. So we submitted a complaint to XXXX XXXX XXXX and they responded back saying for us to get a hold of real time solution and speak to the main manager and submit a loss mitigation. we have not had any luck with a manager or a higher management. we do not understand why we are getting charged for a second loan as We were advised by XXXX, which is now XXXX Mortgage that the loan has been paid back on XX/XX/XXXX, XXXXwe are ready to get an attorney to settle this in court with real time resolution or XXXX XXXX as XXXX mortgage no longer exists.we need some resolutions soon This was not a fair act or service. Please respond and see all paperwork attached. Thank you, XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX Cell ( XXXX ) XXXX Home New mailing address XXXX XXXX XXXX XXXX XXXX, AZ XXXX Sold property address XXXX XXXX XXXX XXXX XXXX, AZ XXXX
08/14/2015	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	TX 77375	Web	Servicemember
We have hired an attorney on XXXX XXXX to assist us in contacting Real Time Resolutions. As of XXXX/XXXX/XXXX Real Time Resolutions has not responded to any emails, phone calls or letters in regards to our closed account with them. The account was in relation to a mortgage loan associated with our XXXX home XXXX XXXX XXXX. Effective XXXX XXXX we no longer carried a mortgage on the home, as we voluntarily agreed to a forclosure. The original mortgage was an XXXX carried by XXXX XXXX XXXX XXXX. Not until after XXXX XXXX were we informed that we had a collections account active from Real Time Resolutions for the unsatisfied amount of the Home loan. Real Time Resolutions took the debt over after the sale of the forclosure to collect on the unsatisfied amount ( XXXX % ) which after the sale is considered an unsecured loan. Payment arrangement have never been made between us and real time resolutions at any time. We contacted them in XXXX XXXX and agreed on a settlement amount to close the collections account. It was then that we realized they have been reporting to the credit bureaus as late for every month up to XXXX XXXX as being XXXX days late. An earlier credit report shows a the correct labeling of the collection, but also reflects the incorrect late pay reportings. As of today in an attempt to be pre approved for a home loan we have been notified that the label of the account has recently changed to as a " mortgage account ''. We brought the matter to our current attorney, and he has informed us that the account has been mislabeled and should be labeled as an unsecured installment loan. We have been attempting to contact them since XXXX XXXX, XXXX at first for the incorrect reporting of late payments and now we are also facing an incorrect labeling of the account. Attached you will find the letter showing the settlement paid to Real Time Resolution, and County court docs supporting the sale of the home we no longer owned effective XXXX XXXX.
06/01/2020	Yes	Mortgage Home equity loan or line of credit (HELOC)	Trouble during payment process	IA 52402	Web
On XX/XX/XXXX I was informed by the agents name of XXXX that my account is in a rears by a month, which is not true because I always pay every month. Last month, when I made a payment to Realtime, their agent XXXX XXXX on XX/XX/XXXX stated that I was paid in full with my payment of {$110.00}. Now today, XX/XX/XXXX, XXXX tells me that I am in a rears one month and that I need to make double the payment and that this comes from a late payment from back in XXXX of XXXX! I am just being informed of this now over the phone. I am supposed to have gotten documentation from them on my past payments but they have not emailed those to me either. another suspicious part of their story is that my account has no interest since XX/XX/XXXX so even though the late payment might have been {$10.00} there is no way that it would equal a whole separate house payment!!! The agent I spoke to in XXXX when I was informed of the new terms of my agreement was that the bank got rid of the late payment and that there would be no late payments and that there would be no interest until further notice. So there is no way with there being no interest would the late fee have gotten this far advanced and why is it that I am now just hearing about this?! This is an atrocity! EVERY month I make a complete house payment and I do not skip. How can a company get away with this kind of behavior? Every month until now, I thought everything was good and now this is happening. These big companies do not care about the little guy and take advantage anyway they can. It's also interesting that their customer service does not mention this payment to me until now. I am not the only one they have done this to. If you look this company up you will see that there are hundreds of these similiar instances. Why is this all of the sudden being brought to my attention after a year of phoning in my payments? Where are they getting this bogus charge? This is fraud, making up a payment that I do not owe!
07/27/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	MN 55024	Web
Prior to XX/XX/2023, I began the process of re enrollment, and on the date mentioned I was made aware by XXXX XXXX XXXX that I had a collections holding up my re enrollment. I was provided the number for a Resolution company, who in turn referred me to Real Time Solutions for the collections. The amount owing on my account was over {$1000.00}. I advised I could not pay that amount as I was just finding out about the debt and I asked for verification, which was sent. I called my enrollment advisor ( XXXX ) at XXXX XXXX XXXX. Who advised that if I made a payment arrangement, they would provide the information to the school and then I would be able to continue enrollment to begin XX/XX/2023. I then called Real Time Solutions back and they advised the information I received was correct and they would notify the school ( and myself ) that an agreement had been made on the account. Since there was urgency to start on XX/XX/2023, I moved things around to make a payment of {$200.00} on XX/XX/2023 and the remaining resolution amount of {$510.00} in XXXX, based on a settlement amount of {$710.00}. Payment was processed the following day. As of XX/XX/2023, I had not received a call from XXXX XXXX XXXX nor a email from the collections company regarding the arrangement. I called the school on XX/XX/2023 and was advised by XXXX that they had not received the information from the collections agency yet. So, I called Real Time Resolution. I spoke to a representative that advise they would not send anything until the account was paid in full, which negates my necessity and reason for making that rushed payment in order to start classes on XX/XX/2023. I then called XXXX XXXX XXXX back, and was told that was correct. This is the definition of deception, and should not be allowed as my payments were made by way of deception from both XXXX XXXX XXXX and Real Time Resolution. Both the University and the collection company should be ashamed of themselves.
02/02/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	FL 33133	Web
Dear Sir or Madam, my issue concerns a collection which is fraudulent and which despite being disputed by myself with collection agency operators and through communication with the credit bureaus and with the original company, persists to this day. The account was with XXXX which is owned by XXXX XXXX. I was issued a store card in XXXX The amount eventually was approx XXXX dollars. I used the card 2 times to purchase sundries and then approx XXXX worth of lamps which did not work after a week and which I took back for a credit. At first XXXX billed me for a late payment when I called they reversed this stating that it was their error. When I began to get bills for the credited items I got upset and called XXXX again and had the matter cleared up again and then asked the agent to close the card as it was giving me more problems than having it was worth. The reluctant agent eventually told me the card was closed ( with no balance ) and that all was well. Approx. 6 months later I began to get collection letters for the XXXX which I disputed, explaining the card was closed. Nothing was due on it and that XXXX/XXXX XXXX should be contacted. Today, Real time Resolutions sent me a letter stating that the balance owed is XXXX For what? Apparently for the entire balance of the card which I did not use, and some fees which they feel they have the right to tack on. I am writing this agency in the hopes that it will provide the oversight which is sorely needed by this so called company to erase this fraudulent debt once and for all. Their debt is false, the card was closed with a full balance on it and once that happens nothing can be purchased on it ever again. I will include the account number and all other pertinent information here as this is getting to the point where if I need to hire an attorney I will. Real Time Resolutions RTR File Number : XXXX Account Ending In : XXXX Balance : XXXX Original Creditor XXXX XXXX XXXX XXXX
10/03/2022	Yes	Debt collection Mortgage debt	Written notification about debt Didn't receive enough information to verify debt	NV 89509	Web	Older American
Please refer to my complaint XXXX and the XXXX response ! 1. In my correspondence with XXXX for last 10 years and before, I have always received copies of HELOC NOTE WITHOUT blank endorsement stamped on the last page but only with mine and my wife signatures and dates. 2. All copies of HELOC NOTE received for last 10 years and before on the front page says '' CERTIFIED TO BE A TRUE AND CORRECT COPY OF THE ORIIGINAL ''. How did XXXX send us the copies over the years which is contradicting the certification on the first page? 3. XXXX has to prove that the signature is WET SIGNATURE and its not stamp. I have 9 different signatures of XXXX XXXX XXXX on different stamps in different countrywide offices nationwide and also on document signed elsewhere completely different way. 4. I am claiming that this stamp was added on the NOTE after my repeated requests of getting original copy of the NOTE. At what point in time it was added I donot know. Only XXXX custodian which I presume is XXXX XXXX can attest to it. 5. XXXX brings a XXXX statute saying that date is not important and that is fine for normal cases but what XXXX has done with ROBO-Signing was FRAUD and its all in open. XXXX execeutives in swearin testimony have accepted that surrogate XXXX employees were involved in robo-signing these endorsements using stamps in a wellknown scandal. so what XXXX is defending doesnot make sense. 6. Any one can get access to these stamps any time and stamp the NOTES. That is what happened before XXXX filed for bankruptcy. Therefore having date is to remove the discrepancy. 7. Please provide date of this endorsement. Of course my attorney will litigate this isssue in foreclosure mediation and/or before the judge. 8. We can avoid this piece of litigation if XXXX can prove that its wet signature of XXXXXXXX XXXX XXXX and the date when it was signed. thank you.
04/10/2018	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	CA 913XX	Web	Older American
I have a hard time trying to resolve my 1st & 2nd mortgages through a short sale. These are 2 very bad loans from subprime XXXX, from the mortgage crisis. I like many Americans did not realize how bad my loans were until the mortgage crisis hit. I tried to fight these bad loans with an attorney to keep my home. I was, unfortunately, unable to do so, and am currently doing a short sale. Both of my loans have been sold. XXXX XXXX has the first. The 2nd was charged off because it was terribly upside down, and Real Time Resolutions has now. XXXX XXXX has approved a short sale based on there BPO & appraisals at {$730000.00}. XXXX XXXX has approved a {$6000.00} payoff for the 2nd lien. Real Time Resolutions is not willing to approve my short sale. Even the real estate company reduced the fees to 3 % total to help me get approved. Real Time Resolutions originally asked for {$29000.00} dollar payoff. My real estate company explained to them how absolutely ridicules, and possibly illegal that request is. Real Time Resolutions then dropped the amount to {$15000.00} stating they need 10 %. XXXX XXXX investor guidelines will not allow more than {$6000.00}. Real Time Resolutions is forcing me into a foreclosure. My main complaint against Real Time Resolutions is obvious greed and predatory lending practices. Real Time Resolutions is stating that because my 2nd lien is not XXXX XXXX or XXXX XXXX they will not accept {$6000.00}. These are obviously good guidelines for mortgage loans. BUT because my loan is a fraudulent subprime loan from the mortgage crisis from XXXX they will only accept {$15000.00} or more! How is that even legal in America? How can this company ethically behave like this?? Because my loan is a bad loan from the mortgage crisis they demand more!! This is plain and simple predatory lending practices.
04/26/2022	Yes	Debt collection Mortgage debt	False statements or representation Attempted to collect wrong amount	NV 89509	Web	Older American
I received your letter today. In your response to my previous email you agreed that you will provide the requested information but now you are saying that XXXX has already provided the requested information. THIS IS INACCURATE and I DEMAND THAT UNDER RESPA ACT YOU PROVIDE ME UPTODATE INFORMATION FROM THE LOAN ORIGINATION up until TO DATE AND ANY MISSING INFIRMATION IN BETWEEN TIME PERIOD. I am again asking the following questions : 1. How did you arrive at the accrual balance of {$34000.00} on XX/XX/XXXX? 2. What made you decide to start to present the accrual history spreadsheet from this date of XX/XX/XXXX until charge off date of XX/XX/XXXX? 3. I would request that I be presented accrual history spreadsheet from XX/XX/XXXX ( my loan origination date ) through XX/XX/XXXX so I can reconcile the amount you are showing as accrual balance {$34000.00}. This will also show me how my payments from XX/XX/XXXX through XX/XX/XXXX in the amount of {$96000.00} was applied to arrive at accrual balance of {$34000.00} on XX/XX/XXXX. 4. XXXX spreadsheet sheet XX/XX/XXXX through XX/XX/XXXX that you provided to me does NOT show the accrual history. 5. In your letter of XX/XX/XXXX you mentioned that payoff balance as of XX/XX/XXXX was {$470000.00}. This included XXXX principal balance + {$160000.00} interest + {$11000.00} in fees. This would remain same and will not change in future. 6.On XX/XX/XXXX I received XXXX letter saying amount due {$340000.00}. Can you please explain this amount due terminology? My questions pertain to RESPA request and a complete analysis must be given to the request made. I am copying this email to HUD Counselor who is authorized on my account to resolve the issues and has participated in the conference calls previously to settle this account. thank you. XXXX XXXX XXXX
07/20/2017	Yes	Mortgage Home equity loan or line of credit (HELOC)	Trouble during payment process	CO 80528	Web	Servicemember
I want to start by saying that Real Time has been nothing but polite and considerate this whole time. I do not fault any of the service reps that I have dealt with. My husband and I obtained a home equity loan through XXXX XXXX 9 years ago that was 125 % of our home value. The market crashed and XXXX went out of business, selling our loan to Real Time Resolution or an investor that they represent for pennies on the dollar. We ended up filing for Chapter XXXX bankruptcy 7 years ago. Our lawyer avoided the lien in the bankruptcy paperwork and Real Time did not file any objections. Our home was very negative at the time. We were able to settle with our 1st mortgage company and have been making payments on time since. This year we are trying to refinance our home mortgage so that we can pay off some extra debt and we have good equity in our home now. I have spent the last several months trying to get a settlement with Real Time. They say that we owe {$69000.00} in principal on the original loan and then want an additional {$75000.00} in interest for the last 8 years of not paying on this second mortgage. They are not on our title and they are not on our credit report and they have not been able to provide me with the documentation stating that they have the authority to remove the lien from our title. They were not willing to present an offer to their investor because it was not enough. Another offer was just made but we are hitting a point were our DTI is going to make this process impossible. I worry that they actually do not have a claim here and that I am going to send them money and nothing will happen except I am now out a lot of money. I have never seen any paperwork stating loan balances but I know that they were not able to bother us because of the bankruptcy laws. Realtime loan # : XXXX.
09/19/2019	Yes	Mortgage Home equity loan or line of credit (HELOC)	Struggling to pay mortgage	CA XXXXX	Web
I have been attempting to deal with Real Time Resolutions whom is has been an extremely difficult and uncooperative debt collector acting on behalf of my mortgage company. I have been trying to modify my 2nd mortgage held by XXXX. The balance is {$93000.00} and the account has been in default for at least 7 years if not more, due to significant medical and financial hardships suffered by my husband and myself. Throughout 2019, the communications from Real Time Resolutions started off cordial and professional, and gradually turned into aggressive attempts to collect a debt and incredibly difficult " negotiations '' that were frankly absurd. After going through a lengthy " loss mitigiation '' application process and jumping through many hoops that were placed on us, they saw our financials, saw that we are living paycheck to paycheck and decided to offer us a 1 % settlement offer on the balance of {$93000.00} - like if I could just write a check in the amount? An appeal process was requested and they just deemed by comps obtained by a local Real Estate Agent as unacceptable based on the comps used. The problem here is they are making me go through many difficult problems to try to appease there requests, and when I do obtain the documents or professional opinions they request I am not actually offered a resolution that is appropriate nor within reach of my situation. I would like to deal with a reasonable organization that would be understanding of the matter at hand and that would be reasonable to arrive at a resolution that is within reach. A real offer that can be obtained to bring closure to this account. A realistic payment arrangement to bring the account current or a lump sum settlement offer that is REASONABLE. ( 1 % discount is not reasonable )
06/16/2023	Yes	Mortgage Home equity loan or line of credit (HELOC)	Struggling to pay mortgage	CA 94903	Web	Older American
BRIEF Outline REALTIME Equity Line - Real Time Resolutions, Inc. XXXX XXXX XXXX XXXX TX XXXX is the servicing inheritor of an Equity Line we originally opened with XXXX XXXX , which became part of XXXX XXXX XXXX during XXXX Financial Crisis. As we negotiated our way out of Foreclosure on the XXXX with XXXX XXXX XXXX we were lead to believe the equity line was included in the Modification. The modification was not moving forward in early XX/XX/XXXX when we were suddenly and oddly, even secretly '' given a Loan Modification Offer from XXXX XXXX XXXX, that we accepted near the end of that year, avoiding Foreclosure. Turns out XXXX XXXX XXXX modified the XXXX and apparently shopped out the Equity Line to Realtime Resolutions Inc. for bargain basement pricing. With XXXX XXXX ( Real Estate Attorney at the time ) as we could not get the State of California to intervene about clearing XXXX XXXX XXXX/Real Time Resolutions Equity Line, we were negotiating with Real Time Resolutions to possibly clear that Lien at XXXX XXXX. Those negotiations seem to be moving forward, AND then Real Time ended discussions with a no to {$30000.00}. They then carried that EQUITY Line quietly, a few letters per year. Then in XX/XX/XXXX they charged off your loan and sent us a letter ( attached ) stating that they had done so at {$91000.00}, AND To the extent interest or late fees were accruing on your account, please note that no additional interest or late fees will accrue in the future Now, a recent letter from Real Time Resolutions XX/XX/XXXX ( attached ) claims {$130000.00} is owed. Thats difference of {$46000.00} that we think is worth complaining about, and getting a genuine settlement offer from Real Time Resolutions would be a step in the right direction.
06/14/2019	Yes	Mortgage Home equity loan or line of credit (HELOC)	Struggling to pay mortgage	MI 49508	Web
Real Time Resolutions , Inc. claims to be my mortgage servicer on a 2nd HELOC loan dated XXXX. They have given me a foreclosure notice by way of XXXX and XXXX 's XXXX XXXX. They are demanding {$42000.00}. I requested them to perfect the lien and they sent me Robo-signed documents. In my research to save my home, I have found Real Time Resolutions has been Robo-signing documents since XXXX. I have over 100 documents that prove they have been Robo-signing. The documents I have are from XXXX TX -- one county in Texas where the company is located. They have forged documents, recorded incorrect lien releases with improper addresses of the creditor, back-dated documents and falsified assignments. Real Time Resolutions has had their CFO, an Attorney on Staff and other low level employees being Notaries and signing as High Ranking Officers in at least 17 different banks including XXXX in a scam to steal people 's homes in foreclose on behalf of the " investor ''. RTR has no legal standing in these assignments, much less foreclosures. The lien releases given leave the consumer in a double-liability situation. The REAL creditor can come back on them as the releases are forgeries and Robo-signed. RTR was not named in the original Robo-scam settlement case of XXXX. They are continuing to Robo-sign paperwork as of XXXX. Two people specifically are shown many, many time son documents : XXXX XXXX and XXXX XXXX. XXXX has created the documents, XXXX signs as VP of the assigning Bank and XXXX then Notarizes it. Mortgage XXXX and XXXX XXXX. They have been working together for 14 years forging documents. I have attached a sampling of my findings. I have documents from North Carolina, Michigan and Texas where as documents have been Robo-signed.
01/07/2023	Yes	Mortgage Home equity loan or line of credit (HELOC)	Struggling to pay mortgage	CA 94541	Web
I have been trying to find a way to settle my mortgage account with the current servicer, Real Time Resolutions. They have denied my attempts and failed to provide me with information on my account in regard to current monthly payment amounts, late charges and fees assessed each month and the full history of my account information. I have submitted requests in writing asking for these details but have not received them. On XX/XX/XXXX, I asked about repayment plans and loan modifications but was advised by a telephone representative that these were not offered. I also offered lump sums on XXXX different occasions to settle the debt but was denied both times. In XX/XX/XXXX, I offered a lump sum of {$14000.00}. In XXXX of XXXX, I offered a lump sum {$30000.00}. Both amounts were denied by Real Time Resolutions. On XX/XX/XXXX, I sent Real Time Resolutions a " Qualified Written Request '' via certified mail. They responded but failed to answer crucial questions and provide documentation of monthly payment amounts, late fees, interest charges, and loan balance amounts from the time they acquired the account until present. On XX/XX/XXXX, I emailed them a letter requesting a breakdown of the late fees and charges that are applied to my account on a monthly basis. They responded but again, failed to show a breakdown of their fees and failed to provide documentation of my account from the time they acquired it, until present. I have made phone calls, written letters, sent emails and offered lump sums as attempts to settle this account and to find missing information that is not being provided. These attempts have all been denied or ignored. On XX/XX/XXXX, requested for the investor to review the account, however I never heard back.
06/09/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NY 109XX	Web
I have previously submitted this complaint. Real Time Resolutions ( RTR ) is the current servicer of a loan that had previously been serviced by XXXX XXXX XXXX, ( XXXX ). XXXX had reported the loan as a charge off more than 6 years ago. In RTR 's response to my complaint they attempt to claim that XXXX 's reporting was incorrect and that my complaint was directed at the wrong servicing company. Although I have never stated that the RTR they continue to take that position, and it appears that their only reason for doing so is to support their " belief '' that they are properly reporting the loan. I have requested XXXX to notify myself in writing, with a copy to RTR, confirming that XXXX ' prior reporting was in fact correct. This is a simple verification that RTR could have done with XXXX but they continue to fail and refuse to do so. I have obtained limited relief from XXXX who was able to determine that RTR was in fact a duplicate report of this account that had been reported by XXXX more than six years ago, and in fact removed RTR 's reporting from XXXX. However, RTR continues to report the loan to XXXX who to date continues to include RTR 's reporting on my credit, even though the prior charge off had been reported more than six years ago. I need RTR 's reporting of the account to stop immediately and for them to remove any prior reporting of this account. RTR should also provide any and all documentation provided at the time of transfer which indicates if this loan was in fact previously reported as a charge off, or if the account was transferred as a current account, not merely state their belief, that conveniently supports their position. Further, RTR should b e held accountable for their actions.
12/23/2016	Yes	Mortgage Home equity loan or line of credit	Loan modification,collection,foreclosure	CO 80122	Web
My credit is being damaged by false information ( date of first delinquency ) supplied to XXXX and XXXX by Real Time Resolutions ( RTR ). The original debt was a home equity line of credit from XXXX XXXX XXXX. I filed Chapter XXXX bankruptcy in XXXX XXXX, and included this debt. My last payment on the debt would have been about XXXX, XXXX. A few months after I filed Chapter XXXX, XXXX XXXX XXXX sold the debt to RTR. I completed my bankruptcy obligations in XXXX XXXX, and received my discharge in XXXX XXXX. As of XXXX XXXX, the original account with XXXX XXXX XXXX and the public record of the bankruptcy have been removed from my reports by all three bureaus. However, because RTR has provided an inaccurate/false date of first delinquency on this debt ( I believe they are reporting XXXX XXXX ), the account is scheduled to stay on my credit reports for several months beyond the seven year limit. On XXXX XXXX, XXXX, I disputed the RTR entry with both XXXX and XXXX, saying the date of first delinquency must be mistaken. As the debt was discharged in my bankruptcy, filed XXXX XXXX, the date of first delinquency must be prior to that date. The XXXX XXXX, XXXX, response from XXXX, is an " update '' on my report saying " The account is scheduled to continue on record until XXXX XXXX. '' Because of this inaccurate/false report, XXXX has refused to remove this negative account from my credit report although it is ( obviously ) more than seven years old. To date, I have not heard a final report on my dispute from XXXX, but I see the RTR account is still on my XXXX credit report. As a secondary issue, I would also like to point out that RTR is reporting as a mortgage company, when they are a collection agency.
08/30/2023	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was result of identity theft	CA 95076	Web
Dear CFPB, I want to report Identity Theft from Real Time Resolution, a DEBT COLLECTOR, on an account established without my authorization. Real Time Resolution [ XXXX ] created account # XXXX on my property XXXX XXXX XXXX, XXXX, CA XXXX without my authorization. I never contracted with XXXX and there is no agreement between XXXX and myself, XXXX XXXX. XXXX is attempting to collect on a debt, fraudulently created a loan account. Therefore, I sent a demand letter to XXXX to verify, validate and authenticate their alleged account agreement under my consumer protection rights under FDCPA, FCRA, FCBA, CFPB and CA ROSENTHAL ACT [ see COPY ENCLOSED ]. In addition, recently it was brought to my attention by a XXXX XXXX XXXX XXXX than an Assignment of Deed of Trust was recorded on my property on XX/XX/XXXX, by Real Time Resolution [ see COPY ENCLOSED ]. Most recently, XXXX IS THREATENING TO FORELCOSE and filed a Notice of Default on my property at the XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX [ see COPY ENCLOSE ]. Even if this alleged account was valid, per your CFPB Issues Guidance to Protect Homeowners from illegal Collection Tactics on Zombie Mortgages dated XX/XX/XXXX It is illegal for debt collectors to sue or threaten to sue to collect debts past the statute of limitations. Im requesting for CFPB to act against XXXX for their intentional fraudulent, deceptive, and threatening behavior to foreclose on my property. To Demand for XXXX to cancel the Notice XXXX XXXX and Expunge the Assignment of Deed of Trust recorded on my property. I will also be filing Identity Theft Report with the Internal Revenue Service [ IRS ] and Federal Trade Commission [ FTC ]. Respectfully, XXXX XXXX
09/29/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 95843	Web
On or around XX/XX/XXXX, I received a letter from the collection agency, The XXXX XXXX XXXX XXXX, stating that they were trying to collect a debt ( {$360.00} ) that I had with XXXX XXXX XXXX XXXX. ( XXXX XXXX XXXX ). And they will use any information I give them to collect the debt. Ref. # XXXX - My name as seen on the account : XXXX XXXX XXXX. Additional collection agencies whom I received the same type of letter : XX/XX/XXXX - XXXX XXXX XXXX - {$570.00} ( Original creditor XXXX XXXX XXXX. regarding XXXX XXXX XXXX - XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX. - ref. # XXXX - {$320.00} - regarding XXXX BANK XX/XX/XXXX - Real Time Resolutions - {$320.00} - Regarding XXXX XXXX - Ref. # XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX - {$710.00} Re : XXXX XXXX XXXX. - Ref. # XXXX In accordance with the Fair Credit Reporting Act, the list of accounts attached have violated Federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 15 U.S.C. 1681 section 602 A, states that I have the right to privacy. 15 U.S.C. 1681 604 A section 2 : States that a consumer reporting agency can not furnish an account without my written instruction. 15 U.S.C. 1681c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years. 15 U.S.C.s 2 ( A ) ( 1 ) states a person shall not furnish any information relating to consumer t5o any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. See attached supporting document.
06/18/2021	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt is not yours	OH 43230	Web
I've personally being trying to resolved this issue for close for a last year now. I am becoming fed-up and I have no idea what to d. It has to be something you guys can do. My ex husband default on a loan that I personally am not responsible for. We filed a XXXX of XXXX on XX/XX/XXXX. On XX/XX/XXXX, I granted and assigned any all interest of real property regarding XXXX XXXX XXXX XXXX, XXXX, OH XXXX through a Quick Claim Deed to XXXX XXXX. According to my credit report it appeared that XXXX started defaulting on this loan sometime in XXXX. After granting all responsibilities as well as XXXX XXXX it appears that XXXX XXXX Resolutions will not honor that I have no involvement with this debt. In fact this creditor is reporting this debt as open only on one credit bureau XXXX, just so they can continue report monthly pass due amount. I find it strange that XXXX has the account closed, I don't even know how that is even possible that they can report it open on one and closed on another damaging my credit month in month out. I thought I read something somewhere that states that all information should report consistent and accurate. At this rate this will never get off credit report as along as this Creditor keeps reporting open on XXXX. I feel like I'm doing jail time for someone else default I've been going back in forth tryin to get this issue resolve with no avail. My most recent letter was sent on XX/XX/XXXX as of today XX/XX/XXXX. I have not receive any correspondence with this issue. I've been trying to move on with my life and have the legal proof to prove it but this creditor refuses to honor and do the right thing. I have attached my most recent letter to the creditor below
05/23/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NY 109XX	Web
I had a loan that was serviced by XXXX XXXX XXXX ( " XXXX '' ) that was in default. On or about XXXX or XXXX the loan status was changed to Charge Off. Subsequently, about XXXX, I entered into payment arrangements with XXXX but they stated that they could not change the status of the loan until it was fully paid, and that the status would remain as a charge off. Over the next couple of years I made payments on the loan and the balance has been reduced, but the status remained as a charge off, and I was repeated told there was nothing they could do. Sometime over the past several months the loan was transferred to Real Time Resolutions who started reporting the same loan as current account with late payments ( even though at the time of transfer the status of the loan was in fact a " charge off '' ) I now have two derogatory reports on the same loan, one as a charge off and one as a current account with late payments. As the charge off was 5-6 years old, its impact on my credit was finally being reduced and the new reporting has caused significant harm to my credit. I have requested RTR to confirm the status with XXXX but they simply refuse to do so. I have requested XXXX to provide the status of the loan at the time of transfer to be provided to me in writing and to provide a copy of same to RTR, but am still waiting for same. I have provided RTR with various correspondence between myself and XXXX as well as a copy of a prior credit report reflecting the status of this loan as a charge off. RTR is unfairly impacting my credit and they are fully aware of it. I have reported this information to the both XXXX and XXXX where they are reporting the loan impropertly
11/04/2022	Yes	Debt collection Mortgage debt	False statements or representation Attempted to collect wrong amount	NV 89509	Web	Older American
Thank you for the response to my Demand Letter which had 2 parts : Part 1 - was to get affirmation from XXXX about non-foreclose action on my property. I received the answer saying that XXXX is not seeking to foreclose on my property. Part 2 - was to get XXXX release through " Quiet Title '' Acrtion. XXXX indicated that it was helpful that an amicable resolution of the debt can be reached if I decide to file Quiet Title Lawsuit. I left voice mail for the Corporate counsel XXXX XXXX by calling XXXX on XX/XX/XXXX at XXXXXXXX XXXX indicating my desire to not to spend my $ in legal lawsuit expenses. I realize that there was no need for XXXX to spend $ in legal expenses as well. So lets find a common ground to settle this dispute. The most inexpensive route will be that neither I nor XXXX involve lawyers. If that's the case I would present 2 scenerios : 1st scenerio : I let the debt run its own course since XXXX is not foreclosing, and I have nothing to loose. I donot need to dispute acceleration and/or ttermination. I can myself file quiet title in XX/XX/XXXX, under XXXX XXXX Court will order XXXX release. 2nd scenerio : We setlle this debt ASAP for a reasonable sum that I can afford. In XXXX XXXX tried to settle the debt for {$65000.00} on behalf of XXXX AND I OFFERED {$30000.00}. I am unaware how much XXXX paid to acquire the debt from XXXX. This is a reasonable & rationale offer. Even though I will have financial difficulty but I will arrange {$30000.00} through my family and resolve this longstanding issue. SINCE THERE IS NON-FORECLOSURE ACTION GOING FORWARD AND IF YOU DONOT ACCEPT THIS OFFER, AFTER XX/XX/XXXX XXXX WILL GET NOTHING ON THIS DEBT. THANK YOU
03/18/2020	Yes	Debt collection Mortgage debt	False statements or representation Attempted to collect wrong amount	UT XXXXX	Web
XXXX XXXX XXXX ( " XXXX '' ), the prior servicer had a XXXX balance on this account before the account was transferred to Real Time Resolutions , Inc. ( " RTR '' ), a debt collector. XXXX reported the full principal balance paid in XXXX. See attached XXXX Form 1098. However, RTR continues to claim the full principal balance is still owed on this account. See attached RTR Statement ( XX/XX/XXXX ). On XX/XX/XXXX, I contacted RTR with the XXXX Form 1098 from XXXX, showing XXXX reported the full principal amount was paid in XXXX to XXXX. RTR never corrected the account balance or responded showing the account balance was correct, as required under RESA ( by XX/XX/XXXX ). On XX/XX/XXXX, I contacted RTR with proof from XXXX that XXXX had contacted RTR ( in XX/XX/XXXX ) asking RTR to fix RTR 's incorrect balance. RTR never corrected the account balance or responded showing the account balance was correct, as required under RESPA ( by XX/XX/XXXX ). On XX/XX/XXXX, I contacted RTR with proof SLS had contacted them again ( XX/XX/XXXX ) asking RTR to fix RTR 's incorrect account balance. RTR never corrected the account balance or responded showing the account balance was correct, as required under RESPA ( by XX/XX/XXXX ). On XX/XX/XXXX, I contacted RTR Chief Compliance Officer XXXX XXXX asking his assistance in having RTR comply with RESPA. Again, RTR never corrected the account balance or responded showing the account balance was correct, as required under RESPA ( by XX/XX/XXXX ). Except for sending the required acknowledgments of my Notices of Servicing Errors, RTR has refused to correct the incorrect account balance or respond showing the account balance is correct.
06/08/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	IL 60565	Web
The personal loan was originally with XXXX. XXXX became the financial company associated with this loan. Due to my husband 's job loss, we have been struggling to make full payments. Real Time Resolutions then took over our account. My husband spoke with XXXX XXXX about creating a payment plan. When he created this payment plan in XX/XX/2018 of {$50.00} every two weeks with XXXX XXXX at Real Time Resolutions, we were told that if we made consistent payments of an agreed amount our credit would not be negatively impacted ( no report of delinquency would be communicated to credit bureaus ). We received the letter attached below from Real Time Resolutions demanding payment in full of the loan ( {$4600.00} ) in order to avoid Real Time Resolutions reporting delinquency to the credit bureaus. My husband called Real Time Resolutions regarding this communication. They are saying we must pay the balance in full immediately in order to avoid any issues with the credit bureaus. This information is contrary to what we were told when we created the payment plan. We are making good faith payments, directly debited from our checking account, in order to keep ourselves above water with this as best we can since we are now only bringing in one income with a household of six which includes college payments going out as well as all other household and living expenses. Real Time Resolutions is not being consistent with their information to us as we work through this challenging financial experience. See account information for both XXXX and Real Time Resolutions below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Real Time Resolutions XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
06/06/2023	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	AZ 85392	Web	Servicemember
I bought a house in XX/XX/XXXX and I did an XX/XX/XXXX loan. I stopped paying XXXX XXXX XXXX in XXXX. In XXXX I signed a loan modification to modify my mortgages with XXXX XXXX XXXX. At least that is what I was told by XXXX XXXX XXXX, that both mortgages were rolled into one. The law firm that facilitated this modification was XXXX XXXX, XXXX. XXXX XXXX XXXXXXXX. XXXX XXXX XXXX, XXXX XXXX, XXXX Texas XXXX p # XXXX, XXXX -- XXXX. Move to XXXX. I received a settlement check from XXXX from the Fund 1 Independent Foreclosure Review Payment QSF. I figure it was because of their deficient practices. Looking back now and with I'm dealing with today, I see why. I just didn't think I was a victim as well. Now in XXXX. I received a settlement check from Real Time Resloutions. At that time, I did not know why. Until XXXX, I had never heard of RTR. Move forward to XXXX. I tried to refinance my home, and I was told by the title company that there was another deed/lien on my property. Again, after the modification in XXXX, there should have only been one. The title company could not find who owned the " second ''. Since XXXX I have been paying my modified mortgage payment, currently to XXXX XXXX. XXXX XXXX assured me that they only had one loan and deed on my property. In XX/XX/XXXX, I reached out to Real Time Resolutions and talked to XXXX XXXX at XXXXXXXX I explained to them that this loan was modified in XXXX and that their debt was not valid. She replied that it was but had no documentation to support the validity besides the old deed recorded in XXXX. It is now going on 16 years since I have paid on the deed in question and 13 years paying on my modified loan.
07/30/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	FL 33133	Web
Good afternoon, I am writing today for assistance in resolving a fraudulent collection account, which is not only being reported grossly inaccurate but which I believe is an attempt to pad an account and collect a debt not owed by myself. This regards a debt with original lender XXXX XXXX, issuer of a XXXX card. The collection was originally for less than {$200.00} dollars. An item was purchased and RETURNED and a credit was supposed to be given. I called XXXX XXXX numerous times when I had the account with them and spoke on recorded calls to their agents and this was supposed to be resolved. i further asked that the account be closed, against the protestations of the agent. i wanted nothing to do with XXXX, XXXX XXXX or anyone else. Flash forward, today this company XXXX XXXX XXXX is sending me a letter asking for {$3500.00} to settle XXXX. They are reporting this fraud to the 3 bureaus and damaging my consumer credit files. i am asking for the CFPB to intervene and oversee this company complying with the FDCPA guidelines in reporting. I am asking for the original documents pertaining to this account and the itemized list of charges that amount to the {$3500.00} which they say I owe. Furthermore, I would like this information to be provided from the original source : XXXX XXXX. I know full well no such charges were made, and the account was closed out with nothing more than {$200.00} ever having been charged during the entire time I had the card. This is another example of collection agencies and debt buyers fudging the facts and outright committing fraud. I am asking for this to remain on record as I will absolutely be reviewing my legal options.
04/14/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	WA 98125	Web
I am disputing an unpaid account balance to Real Time Resolutions Inc. ( RTR ), account # # # # # # # XXXX as inaccurate because I paid the original balance in full to XXXX XXXX, XXXX on XX/XX/XXXX. This account was originally opened with XXXX, then sold to XXXX XXXX then sold to XXXX XXXX. On XXXX XXXX, XXXX, I sent a final quoted payoff amount of {$76.00} to XXXX for this consumer loan. XXXX applied {$75.00} to the principle and interest and applied {$1.00} of the payment to an insurance fee. The issue is that I never had, agreed to or maintained insurance on this loan. By charging me for insurance on the final payment, XXXX committed insurance fraud. They then sold this debt to Real Time Resolutions ( XXXX ). In addition, XXXX stated I owed a {$230.00} fee however could not substantiate or provide proof of this fee. In a letter from XXXX XXXX, XXXX, they implied it was an " insurance fee '' owed. I dispute this debt. I do not owe this debt as it was paid in full. I do not owe RTR a monthly payment of {$120.00}. In addition, neither XXXX nor RTR have been able to substantiate the mystery fee of {$230.00} they claim I owe. Also, because the principle and interest on this debt was paid in full, RTR 's monthly reporting of overdue payment on my credit report is incorrect and should be deleted. I am requesting that Real Time Resolutions delete erroneous delinquent reports from my credit report. Also, the XXXX XXXX account should be shown as paid in full. I have also disputed this with credit bureaus, XXXX and XXXX, as this ongoing deliquent monthly reporting is affecting my credit, negatively, in an incredibly unfair manner and by an exorbitant amount.
06/21/2019	Yes	Debt collection Mortgage debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA XXXXX	Web
Dear Sir or Madam .... Back in XXXX I Take a HELOC from XXXX XXXX XXXX for {$110000.00} against my property.I was paying my regular monthly payments as agreed.In XXXX XXXX file a bankruptcy and they went out of business.My HELOC account transferred to XXXX XXXX XXXX.I keep continue to paying my payments on a first loan and HELOC till XX/XX/XXXX.At the beginning of months XX/XX/XXXX I was having financial hardship and I decide to do a loan modification as many Americans do, for First loan owned by XXXX and HELOC with XXXX XXXX XXXX.I contacted the local mortgage company named XXXX XXXX In XXXX XXXX Ca.They 're were negotiating with first and HELOC.Finally we received loan modification package from XXXX.I agreed with terms and payments, signed and returned to XXXX..About My second mortgage with XXXX XXXX XXXX, loan officer from XXXX XXXX told Me that we waiting for Heloc Forgiveness letter from XXXX XXXX XXXX.AT the time many homeowners receive letters from XXXX XXXX XXXX.And i was waiting for mine. Since XX/XX/XXXX I don't receive any call or mortgage bill from XXXX XXXX XXXX.In XX/XX/XXXX I was checking my credit report to buy a car.Then i find out there is a company called Real Time Resolution reporting LATE on my credit report for almost 5 and half years.I contact them.They explained me, that I Owe them almost {$150.00} ( and rising {$1200.00} a month ) .for my HELOC.I find out that My heloc has been transferred from XXXX XXXX XXXX , without notifying Me, to XXXX XXXX XXXX XXXX XXXX and they transferred to Real Time Resolution as a debt collector.I consider this as a unethical relationship between XXXX XXXX XXXX and its customers.Please help.
05/09/2023	Yes	Debt collection Mortgage debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	NV 89123	Web
My original home loan was with XXXX XXXX XXXX. When the crash of XXXX happened I could no long afford my house payment and went into default. I had a first and second loan on the property. In XXXX when I was working again I did a loan modification with XXXX XXXX XXXX. I assumed it included the second. I've been paying on the property ever since as it is my primary residence. In XXXX Real Time Resolutions contacted me threatening foreclosure because of the unpaid second load they obviously purchased from XXXX XXXX XXXX. They could never furnish me a signed contract proving the balance I owe. And It is nearly double the initial amount. I dont have the money to fight this so I made an agreement to pay. I gave them {$2400.00} cash and agreed to payments of {$350.00} a month. In XXXX when XXXX hit I once again lost my job and income. I was able to make the house payments yet got a little behind on the RTR payments. Over the years I have tried to make the payments every month. I normally pay {$500.00}. Today I tried to log into the system to make a payment. I was locked out and told to call. I did. I was informed that all of my payments have been going towards the late fees and not the principal. And my property is being placed in foreclosure status again. I was told to submit a loss mitigation form and they will try to help. Which I did. Currently I can not access my account to see payments or balances. This place is operating illegally in my opinion. They cant even provide me with a signed statement proving I own them money. Nor can they explain why the balance is so high. I can not afford an attorney as I am barely surviving now. I need help.
07/17/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NC 28115	Web	Servicemember
Unfortinately due to divorce jobless XXXX but now back on feet. i became behind on loan with XXXX XXXX XXXX for {$35000.00} which i have had since XXXX. 15 years and nowhere near able to pay off a predatory loan. So during the time i was getting back on my feet i was notified that my loan had been transfered to collections to Real time resolutions. i started contacting them. The big problem has been a continuious issue with credit reporting between XXXX and RTR due to they are linked companies. I have kept a good payment record with RTR but the problem was XXXX would be reporting wrong if i disputed my credit accounts 2017-present. XXXX is a closed account but when it was disputed all the sudden the account had a {$35000.00} balance on a closed account. this was dropping my credit score down to 500 's .After several months of fighting between XXXX and credit bureaus i got that issue fixed. for the moment! Now to my big issue. XXXX is reporting late payments to date on their closed account with me. This was transfered to XXXX in XX/XX/XXXX. how is this possible?? XXXX credit report shows on time payments. i have fought this abt from beginning of XXXX. i was calling back and forth between XXXX and credit bureau 's and three way. no progress in fixing situation. Even with faxed letter from XXXX with filed dispute and XXXX own investigation with XXXX investigation without change! six months of dropping credit scores. This kept me from refinacing several times last time with XXXX XXXX. i find keeping credit scores down is purposefully done to keep the preditory loan inplace to make nothing but interest and loan that can never be paid off.
10/15/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	VA 231XX	Web	Servicemember
I have disputed a reporting issue with a debt collector Real Time Solutions. They bought a debt from XXXX that they are reporting as a real estate mortgage secured loan. The loan reporting was a personal loan. Our house was foreclosed in XXXX they bought the debt in XXXX and havent updated the file on XXXX since XXXX. The Lien on the house was released in XXXX and they bought an unsecured debt in XXXX. They are reporting late payments for almost 3 years and have never contacted us and the required 5 day period after they bought the unsecured debt they did not notify us. I hired an attorney and I will attach the letter sent to Real Time Solutions. I have also notified XXXX several times to no avail. They will only let Real Time Solutions change the reporting. I have never entered or had an ( XX/XX/XXXX as they did not do as they said they would and erase the erroneous info ) agreement with Real Time Solutions and have asked them to remove this erroneous account to deaf ears. They claim it is a mortgage and an installment loan and it is clearly not. I have sent the documentation including all deeds and XXXX XXXX County deed and sale records. Real Time Solutions is not listed. They are reporting this as a payment loan when it is simply a collection that they are illegally reporting as a mortgage. I am asking to have this account removed and placed as a collection. I entered a temporary payment agreement with them and promised by XXXX XXXX that they would erase the erroneous reporting and nothing was done. They actually updated the account to current and made our situation worse. Please delete this illegal account Ty
01/10/2018	Yes	Debt collection Mortgage debt	False statements or representation Attempted to collect wrong amount	TX 75248	Web
Because of the market crash and my home value decreasing so that I could n't sell it for what was owed and other personal harships, on XX/XX/XXXX 2013 My home was foreclosed. The 1st lienholder XXXX XXXX received release from the 2nd Lien holder XXXX to foreclose on the property. After foreclosure the 1st lien sold the home for the full mortgage amount. I called XXXX the 2nd lien holder to see what would happen at that point since they did not receive money from the sale. They said they filed bankruptcy and wrote it off. Within the next year I started receiving calls from a company called Real Time Resolution who said the debt was sold to them and they are collecting it. Real Time Resolution is showing this debt on my credit as an open mortgage with late payments every month. I did some research and I found that legally XXXX should n't have sold the debt if they filed bankruptcy and wrote it off but even if it is okay for them to do that, the Collection company since they were not the original lien holder can not show this on my credit as an open mortgage with late payments every month and continued interest etc ... I have filed a complaint with the 3 credit bureau companies and Equifax refuses to do anything about how it is being reported ; however the other two have updated it. My complaint is against Real Time Resolutions and XXXX. Please help me in straightening this out. I understand the debt has to show on my credit report but at some point it will fall off but as long as it shows an open mortgage it will never come off and it looks like I am paying late mortgage payments every month and I am not.
04/27/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 92570	Web
In the process of trying to refinance my home in XXXX XXXX, my credit was pulled on XXXX/XXXX/XXXX, and this Real Time Resolutions collection was showing up on my credit, which essentially ruined my opportunity to refinance my loan. I sent them a certified letter asking them to provide me with documentation that this debt was mine or that I had any business with them, including any contracts, my original signatures on their documentation, etc. They did not respond, so I filed a complaint with the bureaus. After the credit bureaus got involved, instead of providing the documentation I had requested confirming that the debt was mine or that I had any type of business contract with them, the company just removed the debt from my reports, which showed clear when it was pulled again on XXXX/XXXX/XXXX. As I was getting ready to apply again this month for the loan which has a balloon payment due in XXXX XXXX, I checked my credit again, and the same company is reporting the debt again, but now they 're using a slight variation of the original company name. They have again ruined my chances of refinancing my loan, which is due now in XXXX. I need this debt removed immediately so I can refinance my balloon payment loan, and I need this company to stop placing this debt on my credit report. I fear that they will wait a few months and again place the debt onto my credit report. I am forwarding copies of the credit reports which show the timeline of when the debt originally appeared, when it was removed and the date it showed up again, showing the same debt but with a slight variation in the company name.
11/22/2022	Yes	Mortgage Home equity loan or line of credit (HELOC)	Trouble during payment process	CA 92122	Web	Older American
Real Time Resolutions ( RTR ) has accrued over {$22000.00} in deferred interest on the XXXX loan on my primary residence, which Im preparing to pay off. They concealed this accrual until I requested a payoff statement, as it never appeared on any of my periodic statements. I was given to understand that they are not allowed to do this on a loan that was discharged under a XXXX XXXX bankruptcy filing. The principal amount is {$30000.00}. I've already spoken with Real Time Resolutions on this matter on XXXX XX/XX/XXXX, but they would not provide any information that's not already on the payoff statement. I've been trying to find an attorney who can advise me on this, but expertise in this area has proven scarce. My questions at this point : ( 1 ) Are there any circumstances under which a lender can continue to accrue deferred interest on a loan that was discharged in XXXX XXXX bankruptcy? ( 2 ) IF YES, does the 2nd loan on a primary residence fall within the legal envelope of such circumstances? -- Note : My bankruptcy attorney ( no longer practicing ) said Yes to both of these questions. ( XXXX ) IN EITHER CASE, why did the loan servicer both accrue and conceal its accrual of deferred interest on my 2nd loan until I requested a payoff demand? Attachments : -- XXXX XXXX discharge notice dated XX/XX/XXXX -- Latest periodic statement dated XX/XX/XXXX -- Payoff statement dated XX/XX/XXXX Loan Servicer : -- Real Time Resolutions, File # XXXX. -- XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX -- XXXX Borrower : -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- XXXX XXXX XXXX CA XXXX -- XXXX XXXX
01/19/2018	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was paid	OK 730XX	Web
I just feel so disappointed big banks like XXXX are ripping poor people like me. I tried so hard back in 2016 to get hold of someone in XXXX to resolve this matter. What 's sad is this real time resolution reported delinquent note is post closing of property with XXXX balance? I do n't even think that 's in compliance. I had XXXX mail me this note after closing to sign and they even told me they forgot to get my signature at closing. And with advice of my coworkers at XXXX XXXX that any balance should have been disclosed at closing, I just discarded the 3 notes they repeatedly sent me to my apartment. Then after a few months I started getting calls from real time resolutions for {$2000.00} note. I received written notice after they reported it on my credit. When I asked them for proof of signed docs they sent a doc with my signature! But I did n't sign that for sure. When I finally got hold of someone in XXXX short sale dept they said they had mailed the {$2000.00} cashiers check paid by me at closing back to XXXX XXXX XXXX. When I asked them why would they do that, they said a lady called in as me ( identity theft ) on the phone to send the check back and since XXXX did n't know where to apply the {$2000.00} cashiers check that was pd at closing, they mailed it back! HOW DOES A BANK NOT KNOW WHERE TO APPLY A CASHIERS CHECK THAT WAS COLLECTED AT CLOSING > THAT CHECK SHOULD NEVER HAVE BEEN SENT BACK. I remember signing a {$2000.00} check for my ex-husband from XXXX and at that time, I thought it was some escrow acct balance refund because I never expected this stupidity on the bank side.
02/10/2022	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	VA 230XX	Web
This is a continuation for complaint previously issued : XXXX I have received the note! Thank you. I have been waiting for the loss mitigation report. I have called and emailed multiple times asking for this to be expedited. We are at the 4 week mark and I have yet to receive requested documents for a settlement. This debt has not received payment in over 12 years, there are no reports of this debt listed or documented on any of the 3 credit bureaus. I am held up on offering a settlement to work on a refinance to get this house in my own name due to not receiving this information. The divorce decree has been sent along with court documents of order of content. For several years they have been sending statements to and only in XXXX XXXX name, to his address in XXXX, XXXX How this information was changed in the first place is still a mystery. The fact that they are sending the statement is his name only is also concerning. Why is my name not on these statements. The collection procedures make me feel it is a scam. You provided me with the note stating I am on this account, then my name shall be listed on ANY and EVERY statement that is issued! When I call to discuss, they still hound me for payment, and I am not doing such until I receive the loss mitigation. I have spoken with a bankruptcy attorney and am at the point of filing or just letting the house go in to foreclosure due to the stress it has caused me. At this point they need to find a resolution to settle this 12 year old debt for a fraction of the price due to their own negligence or face never seeing a cent once I let it go!
09/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	UT 84321	Web
Please HELP! I have submitted info to everyone I could think of, nobody has been able to help or able to tell me where to go next! Quick summary, in 2019 my mortgage was a month and a half passed due, in fear of foreclosure, I agreed to sale my home of XXXX yrs to a man who called me from XXXX XXXX XXXX whom explain to me I could rent the home from him stay in the home and have the option to purchase XXXX years later while that day came and when I went to go purchase the home again I found out that the mortgage was still in my name you cant get a new mortgage on a home that you already have a mortgage on so then I went to the title company and there were a few title pages that I had never seen before but had supposedly had my second signature on them but I believe they were added at a later date without my knowledge also I keep getting informed that Im late or behind on payments for the home and that the mortgage company had changed and the information had also changed he had gone in and change the addresses so that I wasnt getting any of the statements or so I never found out about it and he changed it to his address in XXXX XXXX well now he has stopped making the payments on the home XXXX late at least the last 10 months in a row and finally there is a notice from the bank on the door for repossession and it is killing my credit. I cant even rent an apartment or do anything with that on my credit report that is so not fair I want my house back and thats off of my credit it is out of my control and was not my fault please somebody help me thank you XXXX XXXX XXXX
01/27/2019	Yes	Debt collection Mortgage debt	False statements or representation Attempted to collect wrong amount	FL 33165	Web
I am currently receiving collection notices from Real Time Resolutions ( RTR ). RTR has refused to fulfill many obligations and prove up the validity of the debt. Please see the primary points listed below. 1. This loan was originated in XX/XX/2006 by XXXX XXXX XXXX. Per the FDCPA law, RTR needs to prove up there rights to collect. They have not demonstrated true ownership or have disclosed the collection rights for the owner of the debt. Per the Florida Consumer Collection Practices Act ( FCCPA ), RTR is required to allow 30 days to dispute the validity of the debt based on assignment. RTR has not produced an along to the note of affidavit 2. The accounting ledgers have never been requested on many occasions and the balance of the debt has been challenged. There is no way the balance could be over XXXX, which is alleged by RTR ( exhibit A ). The most recent statements show a balance of XXXX. Per the Florida Consumer Collection Practices Act ( FCCPA ) proper accounting disclosure is required to prove up the alleged balance due. 3. RTR has refused to complete the underwriting process to modify the alleged debt. Per CFPB law, full underwriting is required if the homeowner submits the required documentation. 4. RTR has threatened legal action and foreclosure against me. Per the FCCPA, this action is illegal unless warranted. RTR is a Texas corporation and does not have the legal authority to execute on a foreclosure ( exhibit B ). Based on the points listed herein, I am seeking your assistance on this matter. You can reach me at XXXX or XXXX.
03/08/2018	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	OH 43232	Web
I have requested that Real Time Resolutions XXXX XXXX XXXX # XXXX, XXXX, TX XXXX Stop calling my phone over a Debt that I do not owe to their company. Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. Section 805., you are hereby notified to CEASE AND DESIT all further communication with me in regard to the referenced debt. Failure to abide by this law will result in a complaint being filed against you with the Federal Trade Commission, the Attorney General of both your state and mine, and also your own company management. I also the right to file suit against you for any future violations of this law. I will record any and all phone calls if you fail to comply with this CEASE AND DESIT. Fair Debt collection Practices Act, 15 USC 1692 Sec. 809 ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. This would include affidavits since said records or documents upon which your office has sent are not original and not admitted into evidence or attached to the complaint or affidavit.
09/29/2016	Yes	Mortgage Home equity loan or line of credit	Loan servicing, payments, escrow account	CA 90301	Web
Here 's the documentation you requested. As I stated this was a home equity loan -- not thru XXXX but rather it was transferred to XXXX XXXX XXXX from XXXX They put me in collections with Realtime without contacting me or sending any correspondence of any kind letting me know that the Loan Servicing was being transferred. I made settlement payment to criminals at Realtime -- who promised that they would delete ALL Late Payments from my credit report in exchange for our agreed-upon Settlement Terms. XXXX Last Active XXXX XXXX : PAID ACCOUNT. XXXX BALANCE XXXX : THIS IS AN ACCOUNT IN GOOD STANDING XXXX : ACCOUNT CLOSED BY CONSUMER XXXX : ACCOUNT/PAID SATISFACTORILY XXXX : ACCOUNT CLOSED BY CONSUMER XXXX : PAID ACCOUNT. XXXX BALANCE Opened XXXX Reported XXXX High Balance XXXX Reviewed 68 mo XXXX Past Due Payment Paid Balance Status REALTIME XXXX Last Active XXXX XXXX High Limit XXXX Mortgage PAID XXXX : SETTLED ACCOUNT XXXX : PAID ACCOUNT. XXXX BALANCE XXXX : ACCOUNT TRANSFERRED TO ANOTHER LENDER XXXX : HOME EQUITY LOAN Opened XXXX Reported XXXX High Balance XXXX Reviewed XXXX mo XXXX Past Due Payment Paid Balance Status REAL TIME RESOLUTIONS XXXX Last Active XXXX XXXX High Limit XXXX Mortgage PAID XXXX XXXX XXXX XXXX XXXX : ACCOUNT LEGALLY PAID IN FULL FOR LESS THAN THE FULL BALANCE XXXX : ACCOUNT DELINQUENT 180 DAYS PAST DUE DATE XXXX : ACCOUNT LEGALLY PAID IN FULL FOR LESS THAN THE FULL BALANCE XXXX : ACCOUNT TRANSFERRED TO ANOTHER LENDER XXXX : ACCOUNT TRANSFERRED TO ANOTHER LENDER XXXX : ACCOUNT TRANSFERRED TO ANOTHER LENDER XXXX
08/04/2023	Yes	Debt collection Other debt	False statements or representation Told you not to respond to a lawsuit they filed against you	MO 63052	Web
In XXXX of XXXX I mailed a money order check to XXXX XXXX for my HOA fees. In XX/XX/XXXX I received a letter from XXXX XXXX they did not receive my XXXX payment for my HOA. I attempted to contact XXXX XXXX from XX/XX/XXXX until XX/XX/XXXX by calls and they have refused to communicate with me. In XX/XX/XXXX I received a call from Real Time Solutions regarding my HOA fees. They stated they have a lien against my house and I needed to make payment. I was able to go to my back and find the {$500.00} sent in XXXX was never cashed by XXXX XXXX. I received the funds and made the payment to Real Time Solutions for the {$500.00}. Now Real Time solutions has the account in collections for my XXXX fees. Between the HOA or Real Time Solutions they have added over {$500.00} in fees and around a 65 % increase on my bill. This is excessive. Also, when I was first contacted by Real Time Solutions in XX/XX/XXXX I was told they have a lien against my house. I contacted my local county court house and there is not lien against my house. I made my final payment today and asked for a lien release. They stated it's in the paperwork I signed when I purchased the house. This is a play on words. I had to scramble to get these funds together ( on a current account since I paid the {$500.00} past due ). This is unfair and deceptive collections practices. Between whoever adding 64 % fees ( Real Time or the HOA ) and having someone to call and cause stress to my family over a missing payment that the HOA managment company probably lost.
04/16/2018	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	MI 483XX	Web	Servicemember
I took out a lean on a XXXX XXXX XXXX ( I think in XXXX ) with XXXX XXXX in the amount of XXXX, XXXX dollars. They have passed on collection of the loan to several other companies since then. Each time the debt passed I requested debt validation but just got half answers and the run around. Recently last year ( in XX/XX/XXXX ) it passed to Real Time Resolutions whereas I immediately requested debt validation because this debt has gone on forever and I am questioning how it could still have such a high balance rather than having possibly been paid off years ago. On XX/XX/XXXX I wrote to Real Time Resolutions and requested debt validation. Exhibit # 1 ( I will upload to you ). I received a response from them on XX/XX/XXXX that says they are, " currently researching your account ''. Then approx. one month later I received another ( undated letter ) that stated, that they have requested information to adequately respond to my inquiry which they have not received - Exhibit # 2. To date I have not received validation of this debt and feel it was likely paid off years ago and that I am owed back funds ( plus interest ) due to over payments. Recently, I received a letter from Real Time resolutions trying to bill me for a late fee on whereas they had received the monthly payment on time ( and within the grace period ) - yet they continue to bill me for the amount of XXXX cents even though they told me over the phone the late fee bill was a mistake. Please see - Exhibits. ( additional supporting documentation ).
06/20/2019	Yes	Debt collection Mortgage debt	Communication tactics Frequent or repeated calls	CO 80227	Web
I have been paying the debt collector Real Time Resolutions regularly since XX/XX/XXXX. We had to sell our home on a short sale and Real Time Resolutions obtained the remainder of the debt. We have always been regular with our payments and never had a problem until XX/XX/XXXX when our check to Real Time Resolutions never cleared our account. The same happened for XX/XX/XXXX. Also, as of XX/XX/XXXX we stopped receiving any mail from Real Time Resolutions. We were also unable to log into our account on their website, receiving a message that it did not recognize the account. We called Real Time Resolutions and the representative we spoke with said he did not know what was wrong and he could not help us. We then received a letter from Real Time Resolutions dated XX/XX/XXXX stating that we owed them {$520.00} and to contact them immediately. This was the last piece of mail we received from Real Time Resolutions. Again, we were unable to log into our online account and the customer rep we spoke with was unable to help. Now Real Time Resolutions has been calling both my wife and I on our work phones during business hours and leaving messages to call them back. They have also reported delinquencies to both our credit histories and significantly weakened our credit scores. I am happy to resolve the issue with Real Time Resolutions, but I feel like the reported delinquencies are unfair since Real Time Resolutions has not been sending us notifications in the mail or allowed us to pay online or over the phone.
09/06/2015	No	Mortgage Other mortgage	Credit decision / Underwriting	CA 946XX	Web	Older American
A XXXX in line debt collector has categorized an installment loan ( originated as Exhibit B -- Unsecured Promissory Note on the last day of closing a XXXX XXXX XXXX ( XXXX ) short sale of real property, XXXX XXXX XXXX, XXXX XXXX CA XXXX, XX/XX/XXXX -- and that exhibit may really not have signatures nor been notarized at that time ) as a current XX/XX/XXXX late pay mortgage on my credit reports. This has caused me to not receive approval for completing a mortgage loan-XXXX and XXXX XXXX, and caused denial for me to rent another home -- due to 'adverse impact ' on my credit check by XXXX XXXX XXXX XXXX in the attempt to rent. I have consulted with an attorney, last week XXXX. I know the debt is old -- however offered an amount, that I was originally told in XX/XX/XXXX, that would be the amount wanted by XXXX -- to this debt collector -- Real Time Resolutions ( RTR ) -- which is really a 'strong-arm enforcer ' of XXXX -- I think. On prior credit reports, the XXXX XXXX debt collector -- XXXX XXXX XXXX, - listed this debt correctly -- as an Installment Loan. Now RTR calls it a 'current late pay mortgage loan. ' I hope these XXXX credit bureaus -- -which I have filed disputes with in XXXX and XX/XX/XXXX -- will correct the category of this debt on their reports. They ( XXXX and XXXX ) denied my disputes and basically have said -- whatever RTR said is the truth -- and that I am the bad, bad person. I want resolution and corrections -- and to be able to move forward with my life. I have docs to attach.
04/06/2015	Yes	Mortgage Home equity loan or line of credit	Credit decision / Underwriting	CA 95747	Web
On or about XXXX, I was made aware, from my credit report, that Realtime Resolutions was reporting that I had a current and delinquent mortgage. I called XXXX Resolutions on or about XXXX and spoke with XXXX XXXX ( a representative ) and expressed to him that this lien / collection was directly tied to XXXX XXXX XXXX XXXX XXXX, CA XXXX. Furthermore, I explained to XXXX XXXX that this property was foreclosed upon on XXXX. I informed XXXX XXXX that they were erroneously reporting this as an active and delinquent upon my credit report. I requested that it be removed immediately. XXXX XXXX asked me to show proof of the foreclosure date along with the reporting on the credit report. XXXX XXXX requested that I email this information to him which was done on XXXX. He responded positively and said he would personally take care of the matter and have it rectified within 48 hours. On XXXX, I had heard nothing from the company. I called and spoke to a representative. I was informed by the representative, that with their research, they were reporting accurately. The mortgage forgiveness debt relief was explained to Realtime Resolutions. This law which was passed, forgave of any and all debt that was secured by XXXX XXXX XXXX XXXX XXXX, CA XXXX. I am now requesting help from the CFPB because the matter has not been handled in accordance with the law. I have attached proof of foreclosure and the credit report with the erroneous reporting from Realtime Resolutions. I called back
09/14/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	AZ 85205	Web
In XXXX, Due to separation and divorce we were unable to keep or sale our home which resulted in a foreclosure with our home being sold at a Trustees sale in XXXX. As common with any foreclosure, the awarded sum did not fully cover the loan amounts. Because Arizona is an anti-deficiency state ( A.R.S. 33/814 ( G ), the amount not covered was charge off/discharged. In XXXX of this year, XXXX, I discovered via my credit monitoring site that Real Time Resolutions was coming after us for the deficient amount of the 2nd mortgage balance. This was very suprising and concerning as I had put this unfortunate event behind me as it had been nearly 5 years after the fact. In my panic, worry, and collection ignorance, I reached out to Real Time Resolutions and paid the sum they agreed to for settlement of the account. I am filing this complaint as I am currently trying to purchase a new home and due to how this updated on my credit and impacted my credit standing the the credit bureaus. Real Time Resolutions is a licensed collection company, not a mortgage loan provider. They used the exact account number as my 2nd mortgage servicer from XXXX for their collection tradeline which updated the mortgage to a current time negative status, which has voided my foreclosure seasoning to purchase. This is clearly a violation of the FTC 's FDCRA. Due to erroneous/deceptive collection tactics and practices, this tradeline needs to be removed from my credit profile with the credit bureaus.
04/14/2015	No	Debt collection Non-federal student loan	Cont'd attempts collect debt not owed Debt was paid	VA 23462	Web	Older American, Servicemember
In XXXX XXXX, I received correspondence alleging that I owed XXXX loans to XXXX XXXX XXXX XXXX totaling more than {$38000.00}. This correspondence is the first communication I or my son have had from XXXX XXXX XXXX XXXX since XX/XX/XXXX, when my son graduated from college. Up until, XXXX XXXX, I have live in the same address for 27 years and had the same telephone number for the last 7 years. I also had a very good credit rating and have had a reputation as a responsible citizen who pays my debts. I deny that I or my son owe this money. I am attempting to rectify this fraudulent attempt to extort money from me. XX/XX/XXXX, I wrote to Real Time Solutions , Inc., copies of any loan documents purporting to have my signature, dates of and copies of any correspondence from XXXX XXXX XXXX XXXX me, my son or any third party regarding this alleged loan. The name of the " joint '' account holder referred to in the documents forward to me in XXXX XXXX. I have asked for dates, times, form and parties involved in any oral communication with me. I sent copies of the letter to XXXX and XXXX that I had mail to Real Time Solution, Inc. Each time that I have called the collection company they lied about getting back to me and have failed to send me the documents that I have requested 5 months ago. I need to have this negative information removed from my credit. It 's unfortunately someone to have work so hard to maintain good credit and have a company destroy your credit worth.
09/20/2016	Yes	Mortgage Home equity loan or line of credit	Loan modification,collection,foreclosure	VA 22150	Web	Servicemember
Real Time Solution a debt collection agency is attempting to collect on a 2nd Mortgage ( Home Equity Line of Credit ) on a mortgage initially established with XXXX XXXX XXXX. The mortgage was a conventionally mortgage with a XXXX split. As a result of the XXXX XXXX XXXX experienced XX/XX/XXXX the properties went into Foreclosure XX/XX/XXXX and XX/XX/XXXX. XXXX XXXX XXXX who bought XXXX allowed the mortgage to go into foreclosure and I have been severely Financial Damage with a XXXX Credit Rating ever since this happen.. I attempted a loan modification on the original loan ( 1st Mortgage with XXXX XXXX XXXX but they mess up and delayed the modification and the homes went into Foreclosure. XXXX XXXX XXXX charged off the loans, and then XXXX XXXX XXXX bought the debt from XXXX XXXX XXXX and attempted to collect on the debt which was charged off by XXXX XXXX also, then XXXX tried collecting on the Debt and eventually charged off the debt. Now Real Time Solutions is doing the same. The financial structure established by XXXX has been haunting me since XX/XX/XXXX. The action of XXXX XXXX further harm and destroyed my Credit Rating. The home equity line of credit was a form of creative financing so I could get a loan that I did n't qualify for and funds I did n't receive. When the property was Foreclosed on by XXXX XXXX XXXX, I lost everything. The property was located in XXXX XXXX SC which is not my current address.
04/30/2023	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	MD 20721	Web	Older American
In XXXX, we were approached by a company led by XXXX XXXX out of XXXX GA, advertising 1 % mortgage loans. We had just purchased our property in XXXX using both incomes. At the time of the claim to provide a 1 % mortgage, my wife was unemployed so the reduction in the interest rate was attractive to me. The company refinanced the loan with my income giving us two mortgages. The payments were made but we got behind on our other debts trying to keep up with the mortgage payments. In XXXX, we filed for bankruptcy under chapter XXXX. The bankruptcy filed a motion to avoid the second XXXX. The bankruptcy was dismissed in XXXX and we did not hear anything from Bank XXXX XXXX on the XXXX XXXX. We were able to modify our XXXX loan which was sold to XXXX and was able to get back on track. On XX/XX/XXXX, we received a notice of intent to foreclose from XXXX Mortgage XXXX. We have not received or hear from XXXX Mortgage since the loan was closed in XXXX. The loan was serviced by Bank XXXX XXXX which we were under the impression that it was sold to XXXX We have not received anything from XXXX since filling the bankruptcy. I am filing this complaint because I believe that the loan was made under fraudulent pretenses, we were taken advantage of by placing us into a loan that should not have been approved based on the one income. Additionally, with the motion to avoid the XXXX, there was no communication that this had changed.
05/02/2017	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	CA 94402	Web
In XXXX I bought my home and I obtained a 1st and 2nd mortgage. In XXXX I filed chapter XXXX and all my debts wer e discharged except for the 1st mortgage. The 2nd mortgage that Real Time Resolutions XXXX XXXX tried to collect in my bankruptcy was discharged. The only loan that shows on the property as of today is my 1st mortg agee XXXX XXXX XXXX . There is no record of any other parties on this property at County records in XXXX XXXX , Ca. My son and I are in escrow to REFI th e 1st lo an and I was notified that there is a LIEN on my property by REAL TIME RESOLUTIONS INC.I called Real Time resolutions and they said I owe them {$180000.00} which was the amount due back in XXXX . They told me also they are charging 10 % interest so as of today I owe them {$380000.00} and growing each day. They told me Yes t he {$180000.00} was discharged in my ch apter XXXX but they have the write to keep a lien on my property until paid. The company that filed the lien electronically is Mortgage Electronic Registration Systems. I have attached information showing the Scam. M.E.R.S. was formed by the banks to file electronic liens on thousands of bad loans and the homeowner has no idea until they sell or refi then the nightmare begins ... Please help me so we can expose this scam and put these guys out of business. Alot of people are settling with these guys please help us all ... ...
12/12/2018	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 960XX	Web	Older American, Servicemember
The original loan was made in Oregon as a 2nd Mortgage. In XXXX the house went to short sale. The credit company Real Time Solutions apparently purchased the debt and is miss-reporting as making payments on the account thereby attempting to show it is not passed the statute of limitations. This account is well passed the statue of limitations and no payment have been made to this account since XXXX, but the credit agency is falsifying their report to appear that payments were made sooner. 1 ) Real Time Solutions is not the original owner of the debt. 2 ) Real Estate Loan past the statue of limitations 3 ) Real Time Solutions is misreporting financial information based on payments that have been made to this account. None have since XXXX. I have disputed this through XXXX but the credit agency again misreported the information. Report # : XXXX XXXX Mon - Fri : XXXX - XXXX CST Sat - Sun : XXXX - XXXX CST Reason and details Next Reason and details Next General Account Info Report Number : XXXX Date Generated : XX/XX/XXXX Account Name REAL TIME RESOLUTIONS Account Number XXXX Account Type Mortgage Responsibility Individual Date Opened XX/XX/XXXX Status Open. {$28000.00} past due as of XX/XX/XXXX. Status Updated XX/XX/XXXX Balance {$83000.00} Balance Updated XX/XX/XXXX Recent Payment Amount $ XXXX Monthly Payment {$420.00} Original Balance {$63000.00} Highest Balance {$0.00} Terms 30 Years
03/18/2023	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt is not yours	MA 01605	Web	Older American
Sometime between XXXX and XXXX XXXX Real Time was hired by XXXX as XXXX 's agent to collect an alleged, contested mortgage debt. In discussions with Real Time as in addition to supplying Real Time supporting documentation, Real Time ceased collection attempts. ( I did a get a form letter each year about debtor rights in truth I get these from credit card and banks I haven't any relationship, so these did ) In XXXX Real Time advised these matters were transferred to XXXX XXXX XXXX Issue one - Apparently Real Time did not vet, verify or question the collection and files XXXX transferred Issue two -Apparently the documents supplied to Real Time ( in house lawyer, ) all I remember is the lawyer was female, friendly and understanding, she understood the issues presented, appeared to have NOT passed on to XXXX or XXXX XXXX XXXX Issue three- IF Real Time did pass along to their client XXXX and / Or XXXX, current events suggest neither XXXX or XXXX XXXX XXXX were received these documents or records of conversations Real Time had a responsibility to have kept and passed along to their client and successor. If Real Time failed at their responsibilities to Me, XXXX and XXXX each and all then Real Time has brought upon me financial, emotional and legal harms, Past, Present and now Future as such Real Time need be held accountable. REAL TIME, XXXX AND XXXX ARE IN POSSESION OF DOCUMENTS
05/08/2018	Yes	Mortgage Other type of mortgage	Applying for a mortgage or refinancing an existing mortgage	CA 95991	Web
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX These are dates that were 30day past due according to Real Time Resolutions ( These are the dates causes problems ) XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX These are 90 days past due according to Real Time Resolutions ( These dates I can't get info from them on ) Real Time had purchased our account and I was never notified. I have had automatic payments on this load since day one. I had continued conversations over and over regarding payments being taken out automatically without a resolution, I would get a statement in the mail with account being late already I would call and pay and ask if this was going to be a bad thing on my account and was told no. They again said the account would be processed automatically with again no resolution, I called to try and get some information on my account and was given attitude about my account over and over. It was in deed not my fault of this continued thinking account being posted automatically with it not being done, It's a XXXX payment and has seemed to cause a lot of problems for us on purchasing a new home. I don't feel comfortable speaking with the account reps with Real Time and would like some help on what to do next.
04/05/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	FL 33442	Web
My property was foreclosed on XXXX XXXX, XXXX. The status REDISPOSED back to the lender. The Judge said I am no longer responsible for the mortgage anymore. I am free from the debt! Now I have Real Time Resolutions trying to collect the mortgage debt from me after several years later. I explained to them that I was foreclosed and release from any debt from the mortgage. I do not own the property anymore and it went back to the lender. Experian would not delete account because the account has to be closed. I contacted XXXX and asked them on XXXX of XXXX the account is over 7 years old and needs to be deleted which I do not own this mortgage! XXXX the customer service rep said the Real Time Resolution is going to a positive status between XXXX XXXX to XXXX XXXX. Again I explained to him that it was giving back to the lender and why would I pay for something I do n't have. XXXX said it will stay positive in good standing section. Again I do n't own it and I ca n't buy anything with this showing a balance of XXXX which I do n't own. XXXX said they can not Re-Aging of the account, because its illegal. It will stay on your credit showing nothing. For it to completely come off the credit report Real Time Resolution have to closed the account. Its been over 7 years now and I like to purchase a house but I ca n't. Please help me with this situation ... thank you!
06/17/2015	Yes	Debt collection Mortgage	Disclosure verification of debt Right to dispute notice not received	FL 324XX	Web
XXXX XXXX XXXX approved a short sale on our home in XXXX of 2011. XXXX of the conditions of the approval was that we sign a promissory note for {$5000.00} to be paid in installments of {$83.00} per month. XXXX was to send a coupon book to make such payments and never did so. I inquired by phone several times and XXXX could find no record of this transaction or the note. The next year after no reminder, bill from them, or anything, they reported as written off as bad dept on our credit report. We served our time with bad credit for that, as well as the shortsale itself. Now 5 years later, we are divorced, credit has improved greatly, they turn over to real time solutions for collection. They contact ONLY my ex husband, not me, and hit my credit for 90 days past due. There were forwarding addresses for both us registered with the post office. My ex husband has negotiated with real time to reduce this amount to {$1500.00}. He wants me to pay half to him. I feel XXXX XXXX XXXX is at fault here as they never sent the method of payment that they promised. Never a reminder or bill, as if it did n't exist. No record of it when I called to inquire. How do I know if this real time is a bogus outfit or not. It has been a long time ago. Is there no statute of limitations? I am attaching the documents provided to me from my now, ex husband. Thank you for your help.
12/08/2018	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	UT XXXXX	Web	Older American
This is a follow-up complaint to CN # XXXX ; which was not my Bankruptcy but the mess from XXXX XXXX problems!?! Due to your help earlier help with this matter I hadn't heard from Real Time Resolutions , Inc. until a few months ago and I have again with this filiing attached the latest correspondences! I hope you have the information on the US State Departments Ruling against XXXX XXXX XXXX and all the other Financial Institutions. I spoke with XXXX XXXX XXXX a couple of years ago, now, and they told me I was going to receive a letter as was on the internet on that Settlement where XXXX agreed to " Forgive the Illegal HELOC Loans '' from XXXX that XXXX took over! I even had a family member that got one of the letters and they were posted on the internet of which I tried to make a copy of one of them, but couldn't get it to print! So, I know it exisited!?! Also, if you look back at my original filing on this matter, I never approved this HELOC, if fact I thought I had refused it all together, as the documents had many pages of questionable changes, modifications, and pages I never saw or signed or had the opportunity to Refuse under the Federal Guidelines of all Mortgage Loans!?! I was going to noted that also I still have not ever gotten one reply to how they ever have come up with the total amount they claim is owed on this Loan either!?!
06/09/2018	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was paid	MO 630XX	Web
A property I owned was sold using eminent domain. The sales contract was put in on XX/XX/XXXX. The entire process was handled through court. During these proceedings the owner ( XXXX XXXX XXXX XXXX XXXX ) of the mortgage was identified on XX/XX/XXXX and the total amount due was determined ( {$49000.00} ). On XX/XX/XXXXthose funds were distributed through the court to the XXXX XXXX XXXX XXXX XXXX. I continued to receive statements from Real Time Resolutions and they continue to report negatively to the credit report agencies. Real Time Resolutions ( a third party debt collector ) stated I still had a balance of approximately {$32000.00} and increasing, currently {$33000.00}. In XX/XX/XXXX, I called Real Time Resolutions to dispute the account stating that the account had in fact been paid in full. On XX/XX/XXXX. I received a letter stating they received a payment in XX/XX/XXXX but that a balance was still due. I disputed a second time and received a letter stating there would not being any further investigation as it was already investigated. I have since found court documents confirming my claim and submitted those to the credit agencies and Real Time Resolutions. It has since been removed from XXXX, however it is still being reported to XXXX and it is affecting my ability to secure a home loan I am set to close on in the upcoming weeks.
04/15/2016	Yes	Debt collection Mortgage	Disclosure verification of debt Not given enough info to verify debt	TX 750XX	Web
On XXXX XXXX, XXXX, my home was foreclosed on. The first month of delinquency was XXXX XXXX for the XXXX and XXXX mortgages. The derogatory information remained on my credit reports for 7 years from that date of first delinquency and fell off XX/XX/XXXX. This year, XX/XX/XXXX, Real Time Resolutions re-inserted the XXXX mortgage on my XXXX and XXXX credit reports with new inaccurate information. I disputed this inaccurate information with XXXX and XXXX on XXXX/XXXX/XXXX. I also sent Real Time Resolutions a certified letter with return receipt demanding validation. I still have not received any supporting data for this debt but Real Time Resolutions has supposedly verified the debt with XXXX and XXXX. The home was foreclosed on in XX/XX/XXXX, so it is impossible for any activity to have occurred after that date. Real Time Resolutions re-aged the last activity to XXXX, which is a lie. I sent the credit bureaus in all of the supporting data showing that the re-insertion was an old debt from a foreclosure from XX/XX/XXXX and they have ignored my requests to delete. I feel the acts of Real Time Resolutions are unethical and violating my rights to fair credit reporting. The derogatory information remained on my credit report for the 7 year length that the law allows and Real Time Resolutions should not be allowed to re-insert this old debt.
02/12/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report	CA 91411	Web
Real Time Solutions continues to report 120 days late on a my credit report even though this account is closed by the original lender, been charged off, and sold. This is for a HELOC that was originally taken with XXXX XXXX XXXX in XX/XX/XXXX for {$60000.00}. The last payment on this account was XX/XX/XXXX. In XX/XX/XXXX the account was closed by XXXX XXXX XXXX and Real Time Solutions purchased the debt in XX/XX/XXXX. Since XX/XX/XXXX, Real Time Solutions has continued to list the account as open and report 120 days late every month since that time. This incorrect reporting on a closed account continues to damage my credit. In XX/XX/XXXX, I submitted an online dispute through the XXXX website, stating that this account should have been closed and is incorrectly reporting late payment history every month. The results from the dispute now shows the account is closed, but payment history continues to show 120 days late and payment status showing past due 180 days. According to the XXXX website the past due amount is {$53000.00} with a balance of {$72000.00}. The balance appears to grow each month as interest continues to accumulate, on a closed account. As this account has been dormant for quite some time, the correct balance is unknown to me due to interest on top of interest and erroneous fees added on by Real Time Resolutions.
09/21/2023	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu	NJ 07071	Web
An intent to foreclose with a settlement amount of approximately $ XXXX was received in XX/XX/2023. An application for loss mitigation was submitted on XX/XX/23 with a request to settle for less, I had to follow-up several times as I had not received a response. Reached out again when it was close to 30 days ( the notification timeframe required by RESPA ) and was told that my application was received on XX/XX/23 and that they had 30 days to provide a decision, however, the application was received by them on XX/XX/23 via email. on XX/XX/23 ( 36 days after receipt of the application ) I receive the list of options from Real Time and after only two months the amount to settle was raised to {$240000.00} almost $ XXXX more than the original balance. Also, the property value they used is exaggerated. I requested clarification as to what the additional amount of payoff consisted of. Additionally, right before the pandemic started, I had a list of options from Real Time to settle the loan which after speaking with a representative, I was assured the options were valid until a month later. as I was getting ready to get the funds together ( via XXXX withdrawals and other loans ), I was told the amount was no longer accurate and that the investors wanted more money. This company 's practices are unfair, deceptive, and abusive.
02/24/2022	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	FL 33611	Web	Older American, Servicemember
XXXX XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, CO XXXX Customer Care Number : XXXX XXXX filed a 1099-C on a second mortgage that was legally prohibited at time of short sell in XXXX. When this sale occurred we fell under the Mortgage Forgiveness Debt Relief Act of 2007 which has been extended through XXXX. This was our primary residence and we had lived in the home over 2 years. At the time of sell the second mortgage was held by Real Time Resolutions. Once the home sold we did not get a discharge of debt as the debt collector ( At the time Real Time Resolutions ) was prohibited under the Mortgage Forgiveness Debt Relief Act. ( XXXX XXXX XXXX ) In XXXX of XXXX we received notice of sale of the debt to XXXX and they wanted to establish repayment. We sent a validation letter and explained that this was over 10 years ago and at the time of sale the Mortgage Forgiveness Debt Relief Act was in effect. The next thing we heard back was this 1099-C that we received in XX/XX/XXXX. XXXX states that they discharged XX/XX/XXXX. We are seeking to have the 1099-C withdrawn from the IRS filing . We are also filing a 3949-A with the IRS regarding XXXX fraudulent deduction and requesting IRS take legal action to the extent of the law. We are attaching the Warranty Deed on the sale of the home and the fraudulent 1099-C.
08/06/2020	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	CA 93274	Web	Older American
I spoke with XXXX XXXX office and they told me to contact you. ASAP I'm currently update to date on 1st Mortgage payment.. THIS IS ONLY ON THE 2ND MORTGAGE PAYMENT On the 2nd Mortgage payment this place is : REAL TIME RESOLUTIONS INC XXXX XXXX XXXX XXXX, TX XXXX harnessing me!!! They keep CALLING ME AND SENDING THREATEN LETTER THAT THEY WILL TAKE MY HOUSE, im a senior and XXXX years old, and my health is not good. There TRYING to FORECLOSURE ON ME. I NEED YOUR HELP IN THIS MATTER. I DID try to pay them but in XXXX everything went upside, and my wife had XXXX this is the 2nd Mortgage fell behind and I did make a few payment. Now today I received a letter date XX/XX/XXXX, they are threaten ne m since this Conv-19 have been going on, my funds are really low and very hard for me, I'm now XXXX years l old and on a fix income of {$900.00}. I'm asking if you can contact the place that took over for XXXX XXXX and have them to write it off and STOP with all the threaten letter and calls. Possible able to W/O to excuse this loan was back in XXXX XXXX XXXX had it back XXXX, they closed down and the company is NO LONGER in business and XXXX XXXX XXXX took over the 1st mortgage, but they did NOT take the 2nd Mortgage. Thank you so much look forward to hearing from you soon XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX
09/15/2016	Yes	Debt collection Mortgage	Communication tactics Threatened to take legal action	TX 75232	Web	Servicemember
My niece forged a power of attorney and put me in the VA hospital based on my XXXX and forged a power of attorney, she had someone impersonate me and purchased a home in XXXX. The first mortgage company realized this, but she had a second mortgage and the company insisted it was my debt. They turned it over to Real Time Resolutions who have been hounding and threatening me about a debt when the person who forged the documents was investigated by the Michigan XXXX and the forgery was proven. Police reports were made but Real Time Resolutions still hounds me constantly about this debt that is n't mine. The odd thing is the perpetrator lives in the home which is worth 5 times what Real Time Resolutions has hounded me for, they know who she is, and refuse to contact, sue her or repossess the property which is n't and was never mine to begin with. They are loud, make threats, are harassing, and violate the law. The odd thing is the original creditor knew it was fraud and offered to settle for {$2000.00} to get it off my credit record. I turned them down because it is n't my debt and it 's a secured loan on a property both the original lender and Real time Resolutions refuse to foreclose on. Real Time Resolutions continues to threaten and harass and even called asking me personal information that is illegal.
07/29/2020	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	CA 95838	Web
I, XXXX XXXX elect to dispute an outstanding debt of {$13000.00} issued by Real -Time Resolutions, XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX customer service XXXX. Account XXXX, This loan states that a 1995 XXXX was used as collateral. I have the XXXX pink slip and a notarized signature in the release form the original loan. The car has been since sold. In a response from Real time stating that they purchased the loan from XXXX for whom acquired the loan from XXXX XXXX. These companies, LLC 's that have changed there name over the past 30 years such as XXXX XXXX to XXXX XXXX XXXX XXXX to XXXX XXXX, to XXXX XXXX to XXXX XXXX etc. I currently pay XXXX XXXX and on an outstanding debt close to the same amount monthly. My issue is how can a company release a vehicle with suht an outstanding balance. Me personally I believe in the mist of all these conversions and name change that a second or third party company acquired this loan. I feel. so violated and this is causing such harmful effects on my credit report and retirement. I need to purchase a new roof for my home of XXXX years. Please help me in searching for the truth. I can't imaging walking away from a {$1300.00} debt. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX Thank very much. e
10/02/2023	Yes	Mortgage Home equity loan or line of credit (HELOC)	Struggling to pay mortgage Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure	FL 337XX	Web	Older American
The lady said they usually require 10 % down and a 2-year payment plan with a balloon at the end. But it didn't seem like she was 100 % sure of this and they never sent me anything in writing. Below is my full story. Feel free to publish this information. I lost my job in XXXX of XXXX and couldnt make payments on either my first ( XXXX ) or second mortgage ( XXXX XXXX XXXXI think ) for almost 2 years. I finally went back to work in XXXX of XXXX. After 3 months back to work I started the mortgage modification ( XX/XX/XXXX ) process on my first loan. And they put my mortgage arrearages on the back of the loan and I havent missed a payment since. At the same time, I tried to do the same thing with my 2nd mortgage company. But they refused to negotiate with me about putting the arrearages on the back of the loan and wanted an unusually large amount from me which I didnt have. Fast forward 12 years and they sent me a letter delivered by the sheriffs office saying they are going to foreclose on my home. This 2nd mortgage started out around $ XXXX and has now ballooned to {$150.00} because of all the interest theyve tacked on. Are they required to work with me? I feel that if theyve waited 12 years to start this process, they should give me the same amount of time to repay the debt.
01/19/2021	Yes	Mortgage Home equity loan or line of credit (HELOC)	Trouble during payment process	GA 30066	Web
The Company I am working with is Real Time Resolutions. I have about a {$20000.00} Home Equity Loan with them. I have had some problems paying off back payments due to lack of work onset by the COVID Pandemic. I did however continue to make regular payments last year. Being that I was draining what little savings I had I requested an adjustment payment plan back in XXXX of 2020. Since then it has been me constantly calling and speaking with my representative trying to get this paperwork sent to me. I have been told several times that it can take up to 4-6 weeks. After the first waiting period I was told the representative didn't complete the request information correctly in order to get the paperwork completed. But after that period I still would not receive the paperwork. Then I would call and be told they were not sure what happen and that it would be sent out again. I gave them my email address to provide an alternative delivery option to avoid the paperwork being lost in the mail. Again weeks would go by, still no paperwork. Phoned twice yesterday, spoke to supervisors, told would be sent by the end of the day. Today, still no paperwork. Please help assist me with this. I have been in constant contact with these folks at over 10 times since the original request.
02/02/2017	Yes	Debt collection Mortgage	Disclosure verification of debt Not given enough info to verify debt	CO 80504	Web
I was involved in a real estate investment over 10 years ago. I lost one property to a foreclosure. There was a 1st and 2nd mortgage on that property. The 1st was taken care of in the foreclosure and the 2nd was sold off to numerous companies. I hired an attorney years ago to try to take care of this account. We continued to ask for proof of the loan which they could never produce. It has now been reporting as a 180 late mortgage only on XXXX. We have disputed this numerous times and asking for proof of the loan. The company is Real Time Resolutions. They have not provided any documented proof and now say they have sold the loan and do not have any information. Their response to XXXX continues to be they are reporting accurately. XXXX has told us they do not need to give written proof. My understanding under the FCRA is : The credit reporting company and the creditors should investigate the dispute or fix any mistake. If the disputed info is wrong or can not be verified, the creditor must delete or change it and provide a correction to the credit reporting company that received the disputed information. We are unable to refinance due to this continuing to report an 180 day late mortgage payment. I will attach XXXX credit reports. Thank you for your assistance!
03/07/2019	Yes	Mortgage Home equity loan or line of credit (HELOC)	Applying for a mortgage or refinancing an existing mortgage	UT 84084	Web	Older American
This is a follow up complain on an continuing problem ; prior complain into is .... Summary of your complaint Complaint number : XXXX Date submitted to CFPB : XX/XX/XXXX I again just received more questionable paperwork from RealTime Resolutions ; they just keep coming up with them but when my Attorney contacted them back in XXXX they didn't respond at all with any paperwork! But, again, as I will swear to again, I have never seen this paperwork nor signed any such authorization. This was a HELOC attached on back of a XXXX XXXX from XXXX and we all know what happened to them and the mess that created!?! These HELOC 's were stated to have been Illegal and Preditory by the State Department but mine was hidden from the portfolios that XXXX XXXX XXXX provided to the State Department in that it was assigned to ReatTime Resolutions, a Collection Agent for XXXX and so I did not get a required letter from XXXX forgiving mine but it was just like all the other of XXXX and one that I never saw the Loan Documents for and therefore was never provided my Legal Rights of Refusal ; the document in the attachment to this report is dated XX/XX/XXXX and I never saw the first page of these loans until XXXX of XXXX ; as documented in my attached letter to XXXX dated XX/XX/XXXX!
05/15/2020	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	CA XXXXX	Web
Real Time Resolutions LN XXXX XXXX XXXX XXXX XXXX XXXX , XXXX CA XXXX Real Time Resolutions has agreed to a settlement and even accepted funds for a payoff of this account yet will not record a reconveyance. Real Time Resolutions received the funds and required documents on XX/XX//20. The reconveyance was never completed. We have called Real Time Resolutions several times since then and they claim the issue has been escalated, but to date nothing has been done at all. No one in their escalations department has responded. Our multiple voicemails have gone unanswered. A reconveyance takes no more than 1 week to complete and record. Its been almost three months. I understand the impact COVID-19 has had, however, the reset of the real estate industry has figured out a way to move forward, as have the rest of the servicers. Real Time Resolutions received the funds and closing documents several weeks prior to the shutdown this should have been recorded well before the shutdown. -- -- -- At this point I can only believe that you intended to defraud your client from the beginning and had no intention of following the terms of your settlement. I have attached a copy of the settlement. I am requesting the reconveyance to be recorded without further delay.
12/11/2015	No	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	CA XXXXX	Web
I was sold a predatory sub-prime loan in XX/XX/XXXX by XXXX Loans. I had a 80 % XXXX mortgage and a 20 % XXXX and I put nothing down on the home. After a year I got into trouble with the loans and I was facing foreclosure. With my parents help I was able to stave of foreclosure and I kept making payments on both loans for several more years. Finally I had to file a personal bankruptcy. Both my XXXX and XXXX loans were discharged in my Chapter XXXX bankruptcy in XX/XX/XXXX. I kept making the payments on the XXXX mortgage to XXXX XXXX XXXX and I am still current. However the second loan was sold by XXXX to XXXX Loans in XX/XX/XXXX, and shortly thereafter XXXX assigned the servicing of the loan to Real Time Resolutions. Now I have been attempting to obtain a refinance on the first loan but the lender and the title company can not clear title because the second deed of trust is still recorded in the name of XXXX, which was a subsidiary of XXXX. but is no longer in business. I engaged a lawyer to submit a Qualified Written Request to Real Time Resolutions who claims to have legal ownership of the second deed of trust. I asked RTR to provide evidence that they own the second deed of trust but they failed to provide that evidence in response to our QWR.
04/25/2021	Yes	Debt collection Mortgage debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	CA 92345	Web
In XXXX I took out a 2nd mortgage, XXXX XXXX XXXX, for {$71000.00}. In XXXX They sold the loan to XXXX XXXX XXXX XXXX XXXX XXXX sold and closed XXXX. In XXXX of XXXX I became delinquent, due to loosing my job. In XXXX of XXXX XXXX charged off the loan, after telling me they were going to foreclose. They could not foreclose, because XXXX didn't assign the deed of trust to them. They turned the debt over the their collections dept, XXXX XXXX XXXX In XXXX XXXX XXXX XXXX sold the debt to Real Time Resolution. In XXXX of XXXX XXXX assigned the deed of trust to Real Time Resolutions, even though they did not own the loan, because they sold it. In XXXX of XXXX RTR substituted trustee to a law firm, who filed a note of default. They placed my home on a foreclosure websight for {$71000.00}, and for a fee they can get my address and drive by. I think it's illegal for the original loan agency to sell the assignment of deed of trust, 12 years after they have sold the loan. I admit I owe the money, but they don't have the right to my home of 30 years, since they obtained the deed of trust from someone who had already sold the loan. Legally they have a right to attempt to collect a debt NOT secured by my home. I want to keep my home.
04/16/2022	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	AL XXXXX	Web
I am in the process of refinancing my home in order to clear the 2nd lien on my property. I requested a payoff via the website, which REQUIRES you to acknowledge that you are a customer. I choose not to make payments to Real Time Resolutions because they are a collection agency and did not provide a service to me. They provide a service to XXXX XXXX XXXX aka Bank of NY Mellon. I put a disclaimer in the verbiage advising that I do not agree that I am a customer and would only allow them to reply to the email to provide the requested payoff information. I did not ever receive a reply with payoff information as they said in the response to my previous complaint. I did receive a payoff from the potential lender which includes XXXX XXXX in default interest which I am disputing based on information received XXXX XXXX discharge ( copies attached ). I am requesting an adjustment to the payoff. I am officially offering a settlement in the amount of approximately XXXX, less or XXXX if it discovered after research and validation that I owe less than XXXX or XXXX. Real Time Resolutions is attempting to collect an exorbitant amount that is actually not owed according to the attached documents and the verbiage disclosed herein said document.
10/07/2022	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	CA 92801	Web
About a decade ago XX/XX/2012 I was forced to do a loan modification with my mortgage lender in order to be able to keep making the payments for the house. My lender was XXXX, we went for a few months negotiating terms that they could agree with and payments that I would be able to make. They wrote up the Loan Modification Agreement that had me making payments for 90 days and there after upon completion of their proposed agreement I would have a New Principal Balance {$350000.00} that I will be making payments and a deferred balance of {$65000.00} that I was responsible once I payoff my loan or if I would sell or refinance the house. Interest become better than the terms I had the loan modification for and I was able to refinance the house at a better rate. However out of nowhere there is a company called Real Time resolutions asking for payment that according to them XXXX never closed and still pending payment and now they are asking for {$200000.00} or they will move with foreclosure which I don't understand since I was never aware because whenever I did my Loan Modification I was under the assumption XXXX had everything wrapped up. I tried to find answers from XXXX but they went Bankrupt and doesn't exists any longer.
02/01/2018	Yes	Payday loan, title loan, or personal loan Title loan	Can't contact lender or servicer	GA 30339	Web
I got a personal loan from XXXX in XXXX allowing a lien on my XXXX XXXX XXXX. When I registered my car in North Carolina, XXXX received a copy of the title. In that state, the non-lienholder does not receive a copy of the loan. When I moved to Georgia in XX/XX/XXXX, I put down XXXX as the lienholder to contact for a copy of the title. XXXX never responded because they sold the loan to XXXX. Since I was notified in XXXX, I have been trying to get XXXX to get a copy of the title from North Carolina as directed by their DMV. Now at the end of XXXX, XXXX sold the loan to Real Time Resolutions. Since early XXXX, I have requested a copy of the North Carolina title or for this entity to request a copy. They keep saying they will send it, but never send it. It appears they have a copy of an old Maryland title, but not North Carolina. I am about to run out of time for my registration. My DMV refuses to allow me to renew my registration without a copy of this title. North Carolina can confirm that XXXX is on the title, but can not release a copy to me. I am not even sure if the lien was properly transferred to XXXX and now Real Time Resolutions. However, they are not responding to the DMV or myself concerning this matter.
08/11/2021	Yes	Mortgage Home equity loan or line of credit (HELOC)	Struggling to pay mortgage	FL 33178	Web
Real Time Resolutions ( RTR ) claims to be servicing this HELOC debt ( see attached ). RTR also claims that XXXX XXXX XXXX is the investor. XXXX XXXX XXXX denies any affiliation with the debt based on prior QWR demands responses issued by them The HELOC loan was originated with a {$36000.00} high credit limit ( attached ). On XXXX, RTR claims they took over all servicing rights which left them with the responsibility to retain past and present accounting records per HUD and RESPA law. Since this is a revolving line of credit, there is interest that compounds daily with interest with a monthly payments due based on the outstanding balance. The line of credit description is clearly listed on the mortgage ( attached ). On many occasions I have requested full accounting records and RTR has refused to provide them. This is a clear violation on HUD, RESPA and CFPB law. Over the many years that this loan has been serviced the balance has been paid down to {$12000.00}. I am now seeking to pay off the debt and RTR has refused to issue a formal payoff with the correct balance of {$12000.00}. The only issue arbitrary collection notices that do not reflect the accounting and servicing records that are required per the FDCPA.
04/11/2016	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	CA 91730	Web
Real Time Resolutions is reporting to the credit reporting agencies on a previously settled/paid debt with a different collection agency. Real Time Resolutions ( RTR ) is claiming to have an installment loan I previously had with XXXX. This installment loan was previously sold to a different collection agency ; XXXX. Real Time resolutions is claiming to have said loan when the loan they are claiming to have was already collected and settled between XXXX and me. I settled with and completed payment in XXXX XXXX. A settlement was negotiated with XXXX in XXXX by XXXX and myself.. the first XXXX payments were made as follows by XXXX with the remaining made directly to them by me as the was a disconnect between the agencies. The total settlement changed from {$2000.00} to {$22000.00} due to the mix up in payments. XXXX/XXXX/XXXX {$150.00} XXXX/XXXX/XXXX {$150.00} XXXX/XXXX/XXXX {$150.00} XXXX/XXXX/XXXX {$150.00} XXXX/XXXX/XXXX {$1000.00} XXXX/XXXX/XXXX {$500.00} XXXX/XXXX/XXXX {$450.00} I received a settlement agreement letter from XXXX dated XXXX/XXXX/XXXX for a total settlement of {$2200.00}. RTR has no right claiming or reporting that I owe them, I have paid this debt and will not pay again on an invalid claim.
01/31/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	SC 29445	Web
I have pulled my credit reports on XX/XX/XXXX and to my findings there was this collection agency name Real Time Resolutions reporting negatively to credit bureaus XXXX and XXXX in the amount of {$2200.00} claiming that I took out an installment loan fro a company called XXXX XXXX XXXX in the amount of {$1700.00}. Ive sent request to Real Time Resolutions for VALIDATION of the information they are submitted to the credit reporting agencies. In return they sent me a verification of bills they supposedly sent me in XXXX to an address that I have never lived at which is on XXXX XXXX XXXX XXXX XXXX SC XXXX but they never VERIFY the debt. I never receive a notice nor do I know about this debt. The VALIDATION I expected was proof of an agreement, my signature and any other LEGAL proof that I took out the alleged installment loan with XXXX XXXX XXXX and they fail to do that. I ask that this company cease reporting to my credit report and have it remove 100 % ASAP. I do know my rights and they are in violation of Section 609 of the Fair Credit Reporting Act. They failed to provide a copy of the original creditor 's documentation. The documents attach is what they sent to me after requesting validation of this debt.
06/23/2021	Yes	Debt collection Mortgage debt	Written notification about debt Didn't receive enough information to verify debt	CA 93552	Web
I received a notice from Real Time Resolutions , Inc which is dated XX/XX/XXXX, this notice is stating it is collecting a 2nd mortgage which was part of the first mortgage that I received on XX/XX/XXXX, from XXXX XXXX XXXX. In a letter dated XX/XX/XXXX, I received confirmation of my loan modification for a total of {$390000.00}. In XXXX I borrowed the first mortgage of {$320000.00} recorded on XX/XX/XXXX, as Instrument # XXXX, the second mortgage of {$40000.00} recorded on XX/XX/XXXX, as Instrument # XXXX. Real-Time Resolutions has violated the Rosenthal Act It regulates the conduct of debt collectors. The California statute prohibits numerous deceptive, dishonest, unfair, and unreasonable debt collection practices by debt collectors, and it also regulates the form and content of communications by collectors to debtors and others. They are attempting to collect on a 2nd mortgage which has modified with the first mortgage, In addition, they have violated my rights to notices and monthly billings they are trying to get two bites of the apple. Real-Time Solutions along With XXXX XXXX XXXX failed to provide any legal notification of debt in 7 years which is unlawful for either one of them to pursue a debt.
11/18/2016	Yes	Mortgage Home equity loan or line of credit	Loan servicing, payments, escrow account	GA 31406	Web
Realtime Resolutions out of XXXX TX took over my loan from XXXX in XXXX XXXX. I had filed Bankruptcy XXXX and made my monthly payments for XXXX 1/2yrs with no contact with them until XXXX XXXX when they started sending letters to my Lawyer saying I was behind {$3200.00}. on the loan. I had my Banker look over the loan history in XXXX XXXX and with her assistance we called RTR to get the account straight. The account was corrected by a XXXX XXXX and we agreed that the loan was behind {$1100.00} for which I agreed to pay it back plus the monthly payment over a 4 month period from XXXX XXXX to XXXX XXXX. I made all the payments that were agreed and then the regular payment from that point on. I contacted RTR for an issue with them not sending me monthly statements around XXXX XXXX and found out my account is behind again {$330.00}. I sent RTR proof the payments were made from XXXX to present showing bank statements and cleared checks for which they are refusing to accept. I contacted my banker again and had her go thru the loan history and the letters RTR was sending and says RTR is sending conflicting information that doesnt add up in any direction. I need your assistance to find out what is going on.
05/15/2015	No	Debt collection Mortgage	Disclosure verification of debt Not given enough info to verify debt	FL 33311	Web
I purchased a house XX/XX/XXXX, in XXXX, Georgia. Property address is XXXX XXXX XXXX, Georgia. At the time I purchased the property, I received a XXXX loan with XXXX XXXX XXXX. The 80 % was a conventional loan and the 20 % was an unattached note on the account. The property went into foreclosure and was sold in XX/XX/XXXX. The 80 % was satisfied, however the 20 % part of the loan was not. The XXXX part of the loan was sold to a debt collector which is known as Real Time Resolution. The debt collector, Real Time resolution has been reporting this as a late mortgage payment every month on my credit, when I no longer own the property, instead of an account in collection. Since the creditor has been reporting this as a late mortgage payment every month, it has really affected my credit. I have reached out to the creditor directly and also disputed on my credit report, and the creditor refuses to make the necessary corrections. This is an unfair and deceptive way of reporting a debt as a mortgage debt instead of an collection, when the creditor bought the debt and is clearly identifying themselves as a debt collector. I need for the creditor to correct my credit reporting information as soon as possible.
11/09/2017	Yes	Debt collection Mortgage debt	False statements or representation Attempted to collect wrong amount	NV 89178	Web
I do n't know if I completed the correct box but I truly need help with Real Time Resolutions and do n't know where else to turn. I have disputed with the company and with the bureaus and nothing has been resolved. Realtime Resolutions received an account from XXXX XXXX XXXX and even the results I received directly from the bureaus indicate the loan was transferred not sold but actually transferred. They charged off a balance as per the response in the amount of {$49000.00} back in XXXX 2011. Realtime resolutions then starts to report the account starting at 180 days past due. Not a collection account but an open account with a balance of {$63000.00}. Also a past due balance being different than the current balance. How is that even possible? If the first company charged it off then why is the second company showing late over 180 days. By the looks of my credit report they just charged it off last month. How can they hold a charged off account from one company for over 5 years then charge it off again? Then to make matters worse XXXX XXXX XXXX shows in the payment history as having a balance of {$49000.00} as of XXXX. This seems to be a huge scam! It appears as though 2 mortgages were charged off.
04/13/2018	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TN XXXXX	Web	Servicemember
These people are liars. I have NEVER been late on a payment to XXXX it was an automatic debit that came out of my account monthly. They tried to debit my account for the payment, I stopped payment because I did not know who they were. They then call me in XX/XX/XXXX telling me that I owed this debt and I told them I had no clue who they were and that I did not owe them anything. He stated that they had bought my account and I told them I moved and gave them my new mailing address and email. I told them to email me and I would be more than happy to make payment once the debt had been proven. No email and then they began to bullet call me, I have all of the phone bills to prove it. One day out of the blue I get a bill and I mail the payment after bill was received. They even told me that they would remove the $XXXX fee because of all this once I sent in from my bank the stop payment. All lies and now I receive a temporary bill what is that for temporary? These people are crooks and I will not go away and I because they are practicing fraudulent and collection billing practices. This payment was never late with XXXX and all of a sudden these crooks take over and my account is delinquent.
03/02/2017	Yes	Debt collection Mortgage	Disclosure verification of debt Not given enough info to verify debt	IL 60515	Web
RTR is claiming I owe them XXXX on a second mortgage but the date of first delinquency is XX/XX/XXXX, which is beyond Illinois 5 year SOL. They are also reporting this information to XXXX, including a continual late every month for the last 6 years, an overdue balance and current amount due. This particular loan was secured by property which was foreclosed on by XXXX XXXX. RTR was never listed among the plaintiffs ( as XXXX was ). This foreclosure occurred in XX/XX/XXXX. RTR has NEVER verified any document which states how, why or where they have a valid claim to a 2nd mortgage. They were not on any court documents provided by the county and plaintiffs. It is as if they just " leached '' onto a distressed property in hopes of lining their pockets. In addition, it is my understanding that this account should have been legally charged off after 180 days, which further validates RTR 's negative motives in this situation. A legitimate lien holder would follow proper legal laws. I have the original mortgage, deed, warranty and court filings ( much to much to download ) which have zero reference to these people. Attempts to contact RTR have ended with an automated voice system hanging up on me.
09/19/2019	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	CA 95838	Web
Urgent Please help Complaint against Real Time Resolutions On XX/XX/XXXX We received a letter from Real Time Resolutions. Back in XXXX we filed Bankruptcy and we thought this loan had been discharges. This company now come out of nowhere to try and collect a debit and threaten me and my family, that Real Time Resolutions may have the right to invoke a foreclosure based on the terms of the security instrument encumbering our property. The Bankruptcy attorney we used is no longer in practice. On the back of the letter Real Time Resolutions sent, it states under " Washington Residents '' ( We Live in California and they have no amount under this state ) we owe an amount of {$130000.00} that is higher than what they have in the front page which is {$83000.00} and it is a lower amount. We are concerned and stressed out since this is our primary residence. Not sure if this company is legit. On the question you asked if we tried to fix the problem I answered yes because I reached out to them to see what we can do. I have also requested proof of ownership of our loan and proof of loan purchased from XXXX via email to. XXXX XXXX at XXXX or XXXX Phone : ( XXXX ) XXXX fax : ( XXXX XXXX XXXX
06/11/2018	Yes	Debt collection Mortgage debt	False statements or representation Attempted to collect wrong amount	CA 95648	Web	Servicemember
I am in receipt of settlement offer dated XX/XX/XXXX offering a Temporary Payment Arrangement, and a Resolution Amount of {$79000.00} ( copy enclosed ). I am also in receipt of letter dated XX/XX/XXXX, wherein stated the balance due is {$33000.00} ( copy enclosed ). I am also in receipt of letter dated XX/XX/XXXX in which the balance due is {$32000.00} ( copy enclosed ). And finally, I am in receipt of a letter dated XX/XX/XXXX, wherein a Resolution Amount of {$19000.00}. As you can see, the documentation that has been provided to me in regards to the stated balance due, is nowhere near recent resolution amount {$79000.00}. I am therefore and hereby requesting that Real Time Solutions provide me with a complete and detailed accounting of this debt, including all copies of letters that have been sent to me in regards to the collection of this debt and a copy of the Notice of Servicing Transfer. Pending receipt and concurrence of this information, I am prepared to consider a resolution offer of {$19000.00}, to be paid through escrow from the proceeds of a refinance of the first mortgage. Please contact me at your earliest convenience, as I am anxious to get this matter settled.
04/24/2023	Yes	Mortgage Home equity loan or line of credit (HELOC)	Struggling to pay mortgage	FL 33178	Web
My HELOC is currently owned and serviced by Real Time Resolutions. They issued temporary payment resolution TPA ( attached ). I have asked for clarification on the issues listed, which RTR has failed to provide. 1. A detailed ledger breakdown of the debt owed. They allege the debt is {$61000.00}. I have records on the debt showing that {$52000.00} is owed. 2. A description of the {$7100.00} down payment application. There is no designation of where those funds will be applied. 3. After the TPA, there is no description of the future interest rate, terms or monthly payments. There is no long term resolution listed, only a reference to the original mortgage note. 4. In the accounting ledger supplied by RTR, the balance was {$52000.00} as of XXXX. Also, both the settlement offer and the accounting ledger refer back to the original XXXXXXXX XXXX note for interest rate and payment. The current interest rate listed varies from .06625 and .08125 ... the periodic rate that is applicable per the XXXX XXXX note is .0312 and actually declined to XXXX for many years due to lower prime rates ( published in the XXXX XXXX XXXX ). There has been no explanation for the serious discrepancies.
12/22/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 959XX	Web
Per the attached credit report, Real Time Resolutions is claiming that the debt is an active trade line. In order to be an active trade line, ownership rights need to be proven per the FCRA 15 USC 1681. Based on the prior documentation issued by your firm, only servicing rights exist. The alleged debt on the credit report is also subject to foreclosure action from 2018, which means the debt should listed as charged off. Moreover, RTR never filed a claim on the foreclosure funds available post first lien claim. Such action makes the gross amount reported erroneous. Per the FCRA 15 USC1681 -2a ( 1 ), there is a requirement to report all information based on total accuracy. The information reported has been inaccurate in the past and conflicts with prior disclosure issued. Per the FCRA it is also illegal to park or re-age old debt on the credit report. The Federal Trade Commission also requires that the proper and transparent information be disclosed during the collection period of a debt. Ownership of an alleged debt must be properly disclosed per FDCPA rule 803 ( 6 ) ( b ). Per the FDCPA and FCRA rules cited within, I am requesting that all credit trade line be eliminated.
10/08/2020	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	GA 30236	Web
My first mortgage which is a senior lein and we are good standing with, was not contacted, nor have they been paid and my balance with them is 50 % more than the junior lein [ second mortgage ] amount stated due. They allegedly foreclosed on my property without contacting the first mortgage and neither did they contact me. My home was unlawfully, allegedly foreclosed on by RRA CP Opportunity Trust2. They used fraudulent assignments to convey the deed. I never signed the " borrowers waiver of rights ''. They created this trust for the purpose of foreclosing on my property. I never received any notification or correspondence from this company in 16 years. Once I have contacted them to correct this problem, The issue has not been resolved. There is a title issue involved. there is no foreclosure deed recorded. Only an assignment that was signed by a known robo-signer [ XXXX XXXX XXXX. Fraud can not be the basis of obtaining a deed and this is the practice of this company. There has been many cases filed in the US sighting this company and this robo-signer as well as a witness on the assignment for fraud. Would you please investigate this and open a case for mortgage fraud.
01/07/2021	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	CA XXXXX	Web
REAL TIME RESOLUTIONS PLACED A LIEN ON MY PROPERTY FOR A MORTGAGE DEBT THAT WAS DISCHARGED IN BANKRUPTCY IN XX/XX/2011. THIS DEBIT/LIEN WAS WIPED OUT AND THEY CONTINUE TO HAVE THE LIEN ON MY PROPERTY WITH INTEREST ACCRUING AT 8.12500 %!!!! THIS PROPERTY HAS ZERO EQUITY-ZERO!!!!! I'M UNDERWATER ON THIS PROPERTY, AS THE 1ST MORTGAGE IS MORE THAN WHAT THE PROPERTY IS WORTH! THEY HAVE NO LEGAL RIGHT TO PLACE THE LIEN, ENFORCE THE LIEN, COLLECT ON THE LIEN, OR ANY OTHER LEGAL INSTRUMENT, AS THEY DO NOT LEGALLY OWN THE DEBT, NOR THEIR " CURRENT CREDITOR '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. CHXXXX BANKRUPTCY DISCHARGE, ALONG WITH QUALIFIED WRITTEN REQUESTS AND REQUESTS FOR VERIFICATION OF DEBT HAVE BEEN IGNORED THUS PROVING ZERO OWNERSHIP, OR EVEN THEIR ABILITY TO LEGALLY ATTEMPT TO SERVICE. THIS DEBT WAS CLEARED IN BANKRUPTCY, YET THEY CONTINUE TO TRY AND COLLECT! THEY NEED TO COMPLY WITH THE BK DISCHARGE, REMOVE THE LIEN AND HALT THEIR DEBT COLLECTION AND HARASSMENT PRACTICES. THEY ARE IN VIOLATION AND NON-COMPLIANCE OF RESPA AND TRUTH IN LENDING ACT REQUIREMENTS. PLEASE INSTRUCT THEM ON THEIR FRAUDULENT PRACTICES AND REMOVE THE LIEN!
10/01/2022	Yes	Debt collection Mortgage debt	Written notification about debt Didn't receive enough information to verify debt	NV 89509	Web	Older American
Thank you for providing a copy of the NOTE. This copy is surely diffrenet from previous versions that I have ever received On the last page it has a blank endorsement from countrywide official. Unfortunately this is a rubber-stamped signatures of XXXX XXXX XXXX which were surrogate signed onto UNDATED endorsements, meaning signed outside the presence and control of the authorized signor XXXX XXXX XXXX XXXXXXXX XXXX I am uploading a case against defendants XXXX XXXX XXXXXXXX XXXX, XXXX XXXXXXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX. and XXXX XXXX XXXX. ( Collectively referred to herein as the dkDefendants '' ) for their violations of the False Claims Act ( : kFCA '' ), 31 U.S.C. jj 3729 - 3733. this case was settled in favor of plaintiff as serious charges named STAMPS and wrong doings were accepted by defendents. The foreclosure case against plaintiff was brought by XXXX but XXXX accepted the flase claims of " robosigning '' of endorsing promiossory notes by XXXX XXXX XXXX. surrogates. Such is happening on my NOTE.
03/06/2016	No	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	NJ 074XX	Web
I received a XXXX XXXX for {$160000.00} from Real Time Resolutions , Inc. ( " RTR '' ) for a foreclosure on a lot in XXXX XXXX Florida I purchased in XXXX. XXXX XXXX XXXX held the interest-only mortgage at the time of the foreclosure in XXXX at which time they issued a XXXX stating the principal balance was {$230000.00} and the XXXX of the property was {$34000.00}. At the time of the purchase XXXXs own appraiser appraised the property for {$250000.00} and lent me and a partner {$230000.00} ( 95 % ). They then transferred the loan to a XXXX XXXX XXXX spin-off XXXX who sold the loan to RTR who is now sending me a XXXX. They did not send one to my 50 % partner who signed the mortgage docs and sent me a XXXX for the total amount. I contend that XXXX was my lender and they should send me the XXXX which should be for no more than half the amount due. Also, I contend the amount is too great. XXXX predatory lending practices lead to the overpaying for this lot which they contend was worth just $ XXXX a the time of the foreclosure ( three years later ). This reporting was handled completely wrong by RTR. I wrote to them in XXXX and they have not responded.
03/31/2022	Yes	Mortgage Other type of mortgage	Closing on a mortgage	CA 90807	Web
Follow up to my previous Consumer finance XX/XX/XXXX complaint Proof of Deed of Reconveyance, per Real Time Resolution creditor response This notice is a CEASE AND DESIST Real Time Resolution a debt collector for XXXX XXXX XXXX ( company no longer in business ) recorded a Second Trust Deed Default XX/XX/XXXX in the amount of {XXXX} on behalf of XXXX XXXX XXXX. I have told this company many times I DO NOT OWE DEBT to XXXX XXXX XXXX and that I received a Deed of Reconveyance in XXXX, and I have not obtained any loans after XXXX. On XX/XX/XXXX, the first available appointment at XXXX XXXX XXXX XXXX Registrar-Recorder/County Clerk office at XXXX XXXX XXXX, XXXX CA XXXX, records show for XXXX XXXX XXXX, XXXX XXXX CA XXXX " No!!!! Deed of Trust owning any debt WAS NEVER FILED from XXXX XXXX XXXX after XXXX '' However, I did obtain from XXXX XXXXXXXX XXXX XXXX XXXX Registar Recorder/County Clerk office, that On XX/XX/XXXX, XXXX XXXX XXXX filed a " Deed of Reconveyance ''. See attachments I'm asking Cease and desist all liens and/or Defaults affiliated with XXXX XXXX XXXX be removed from property located at XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX
08/08/2017	Yes	Debt collection Mortgage debt	False statements or representation Attempted to collect wrong amount	FL 32224	Web
This company offered me a payoff settlement in 2015 for 50 % of the amount owed. The problem was they sent it to the wrong address so I never received the offer. They purchased a HELOC loan so I 'm not sure why they would n't have sent the letter to the address associated with the mortgage. I tried to get a new settlement offer this year and they asked me to submit financial information and also complete their settlement application. Upon reviewing my application, they offered me a payoff " settlement '' for 99 % of the amount they say is owed, which is comprised of the original principal amount ( $ 44k ) plus an additional 50 % of the original principal amount in just late fees and interest. They purchased my debt from another company and have continued charging me interest even though the original contract states that I am to receive a statement for every period in which a finance charge is assessed. They have never complied in that aspect and are unwilling to work with me to help settle my debt. In addition, they are reporting my account to the credit bureaus as a mortgage account instead of reporting themselves as a debt collector.
06/13/2017	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	TX 770XX	Web
Our home went into foreclosure in XXXX after the economic crash in XXXX . We Had an 80/20 loan orignally with XXXX XXXX Mortgage. Which then had XXXX XXXX Mortgage XXXX XXXX till we went into foreclosure in XXXX . XXXX XXXX mortgage then changed to XXXX XXXX in XXXX XXXX according to information provided from internet. On our credit report it demonstrated that XXXX XXXX charged off both loans ( XXXX , and XXXX ) with last report date of XXXX , and stated last activity in XXXX . We then started receiving information from Real Time Resolutions attempting to collect a debt that has been already charged off and closed. They have been inaccureatley reporting to credit berueas and state that the account was opened XXXX and is currently still reporting with last report date of XXXX . But it does not show any last activity date. This is inaccurate information, and we are demanding that this be removed from our credit reports. They have enabled us from moving forward into being able to become 2nd time home buyers. There is also a recent class act lawsuit against Real Time Resolutions.
06/10/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TN 38305	Web
I was contacted on XX/XX/2020 XXXX by Real-time Resolutions XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX The agent said they were calling about an unpaid debt to XXXX XXXX XXXX in the amount of {$5000.00}. I advised the agent that I am unsure about the information being given and requested a debt validation letter. I have my mailing address and waited to receive the information in the mail. It is my understanding that collectors have 5 days by law to send this information. Two months later I began receiving harassing phone calls to make payments on a debt that has never been validated. On XX/XX/XXXX at XXXX XXXX I spoke with an agent by the name of XXXX and advised her of my rights and that the debt validation letter hasnt been received. She places me on hold several times and began to become very forceful in her tactics to collect said debt. I advised her that she is in danger of being reported by violating my rights and the line became disconnected. This is my formal complaint against Real-time Resolutions for violating my rights under The Fair Debt Collection Practices Act and refusing to send a debt validation letter.
04/28/2023	Yes	Mortgage Home equity loan or line of credit (HELOC)	Struggling to pay mortgage	CA 92656	Web
Hello, I had no choice but to close my sale and loan to avoid foreclosure. I am not going to give up on my complaint to Real Time Resolution. As you can see in my prior letter they would not work with me when there are so many mortgage companies that have to work with borrowers when they are unemployed and can not find employment and as of today I am still unemployed and living on the street out of boxes. Again I was willing to pay them the principal balance of {$140000.00} and they would not budge so I am requesting that they pay me back the interest and all fees that were included on the final payoff. If they would have sent me a letter that they are the new 2nd TD holder I would have paid them and they never sent me anything as well as monthly payment coupons. Please help me get my money so that I no longer have to live on the streets and die of starvation and possibly be harmed. I sent you another letter by mistake and didnt realize that this is where I was supposed to re send a new letter. My phone number is XXXX XXXX XXXX and my email is XXXX Thank you and I look forward to be hearing back from you , XXXX XXXX
12/22/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 959XX	Web
Real Time Resolutions ( RTR ) is currently reporting an active line of credit on a closed real estate loan. The direct reporting is with XXXX for a {$37000.00} balance with high credit line of {$39000.00}. This account was closed in 2018 as a result of a foreclosure. Real Time Resolutions was notified of the foreclosure action and failed to respond. The trade line is erroneously reporting which is a direct violation of the FCRA, 15 USC 1681. The FCRA states that accurate, timely and fair data be reported to the credit report. The report with XXXX should read a charged off debt and not active revolving debt with monthly payments due. Moreover, RTR never filed a claim on the proceeds remaining as a result of the foreclosure, so the gross amount charged off should be listed as " pending '' or " null ''. The true derivatives of the credit reporting have not been discovered, so consideration should also be made deletion. The California FCRA also addresses issues with their specific law, which means RTR is in direction violation of the that civil code as well. I have attached a copy of the credit report for reference.
10/12/2015	No	Debt collection Payday loan	Taking/threatening an illegal action Threatened to sue on too old debt	CA 93030	Web
I 'm getting calls and notices stating I owe {$2300.00}. Recently, I received a free credit report and noticed that Real Time Resolutions Inc.is trying to collect {$2300.00} for XXXX. I recently received my credit report and it states Real Time Resolutions Inc. opened a collection on XXXX XXXX. I opened a payday loan with XXXX the amount of {$2300.00} on XXXX XXXX, XXXX. I made a payment in the amount of {$310.00} on XXXX XXXX, XXXX and on XXXX XXXX, XXXX. I then submitted a complaint XXXX on XXXX XXXX, XXXX. XXXX replied and it was agreed I would make payments in the amount of {$200.00} starting XXXX XXXX, XXXX thru XXXX XXXX, XXXX. I defaulted in my loan as of XXXX XXXX where my last payment was for {$100.00}. Up until then I paid {$900.00} plus the XXXX payments of {$310.00} totaling XXXX. According XXXX, I owe {$100.00}. I started making payments again as of XXXX XXXX, XXXX In the amount of {$200.00} thru XXXX. I have statements and receipts proving I made payments. The only receipt I do n't have is paying {$100.00} in XXXX of XXXX. Can Real Time Resolutions, Inc. open an account after 4 years of opening?
11/02/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NC 27518	Web
XX/XX/XXXX, I purchased my home having a balloon account 80/20. Meaning, I have a first and second mortgage on my property. The first mortgage company is the XXXX XXXX XXXX and the second mortgage company is Real-Time Resolution. Receiving my current credit report, there are a total of three mortgage accounts that are reflecting inaccurate information on my XXXX credit report. Real-time Resolution mortgage service is reporting to XXXX two open mortgage accounts. THER IS ONLY ONE MORTGAGE ACCOUNT WITH THIS COMPANY. What is reporting is an account in the amount of {$48000.00} and another account in the amount of {$49000.00}. This type of error can hinder my creditability and place my debt ratio in a higher bracket. Again, I only have one mortgage account with Real-Time Resolution. I contacted XXXX on XX/XX/XXXX via certified mail to inform them of the error. Aso, I have reached out to Real-Time Resolution to rectify the issue. As of XX/XX/XXXX, the issue has yet to be corrected. Reporting inaccurate information on a consumer report can lead to further action to take place against reporting companies.
07/13/2023	Yes	Mortgage Conventional home mortgage	Credit monitoring or identity theft protection services Problem with product or service terms changing	CA 92071	Web
I had a predatory loan with XXXX XXXX that ultimately resulted in my home foreclosing in XX/XX/XXXX. at some point they sold off the second loan to XXXX XXXX XXXXXXXX. It was my understanding my loans would be paid with money from the foreclosure. Since I had not heard anything since and nothing ever went onto my credit report I assumed this to be the case. Suddenly in XX/XX/XXXX I received a 1099C for the second mortgage. I have had the same phone number this entire time and was at the same address for over 7 years and no collection calls or letters came to me. The company listed is Real time Solutions and they claim they now own the debt and claim they were able to write it off because there was a balloon payment due in XXXX which is not the case and means someone altered the loan documents without my permission. Regardless it is unethical to never contact me or bill me or gave me an option to pay and then reported it to the IRS via a 1099C which requires me to report it as income which will cost me a lot of money. I asked real time solutions to fix this and retract the 1099C and they ignored me.
06/14/2018	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	MO XXXXX	Web	Older American
In XXXX, XXXX, the State of XXXX Department Of Revenue wrote to XXXX requesting the title of the vehicle in question ( see attached ) be sent to XXXX Department Of Revenue so that the title could be perfected to a XXXX title from the original XXXX title. This is because I moved from XXXX to XXXX ( XXXX XXXX metro ). XXXX did not comply and in XXXX of XXXX transferred my account to Real Time Resolutions ( XXXX XXXX XXXX I ). Real Time Resolutions refuses to comply with the State Of XXXX request as well as my many requests for them to forward the actual title to the State of XXXX. I am attempting to have this done so that I can obtain a XXXX registration. I have been unable to register my vehicle since XXXX, XXXX. I am requesting your assistance in notifying Real Time Resolutions ( XXXX XXXX XXXX I ) to comply with the XXXX and my request to forward the title to XXXX Department of Revenue and once it is perfected, the document will be returned to RTR. Thank-you for your assistance. Please feel free to contact me at any time regarding this matter. Regards, XXXX XXXX XXXX XXXX XXXX
03/22/2019	Yes	Mortgage Home equity loan or line of credit (HELOC)	Credit monitoring or identity theft protection services Billing dispute for services	FL 33907	Web
I made a HELOC mortgage years ago and while i was a resident of the US since XX/XX/XXXX i thought i understood what the terms were however after 10 years i learned the entire principle amount of over {$40000.00} was due. This was in XX/XX/XXXX. From that time until right now i have made a payment each and every month to lenders ( or debt collector may be a more accurate phrase ) servicing this loan. I even reduced the principle over {$10000.00} during that period. On XX/XX/XXXX i applied for a new mortgage and was very surprised to learn i was declined and can not buy a new house because the company reporting the loan which was the HELOC is reporting me well over 90 days late each month for almost all XX/XX/XXXX and back prior. I do not see how this is fair that i make payments to them in amounts they ask and yet they show me very late- to the point of not being able to buy a house for me and my XXXX children ( i am a single mother ). The company reporting these tales which cost me my new loan is Real Time Solutions and now it is sent to XXXX XXXX XXXX point and they too show tales.
12/31/2016	Yes	Debt collection Mortgage	Disclosure verification of debt Not given enough info to verify debt	CA XXXXX	Web	Servicemember
I currently am upside down {$160000.00}. XXXX XXXX XXXX turned my second over to Real Time Solutions Collections Agency. The second is behind approximately {$39000.00}. After speaking to one the collection agency reps, she informed me that my loan was actually a XXXX loan and not a XXXX XXXX XXXX loan. I told her that this was not true because my coupons came from XXXX XXXX XXXX. She then changed her script and said that " XXXX XXXX XXXX is the Master Investor. '' I filed a complaint with a Legal Veteran Service who reached out to their legal department. I followed up on XX/XX/2016 and was informed that my loan was actually a XXXX XXXX XXXX. I called XXXX XXXX XXXX and they claimed that they could not find my loan, although I was told that if even if my loan was closed they should still be able to find it ; yet they were not able to find me in their system. I have coupons from XXXX XXXX XXXX. The collection agency brings up banks that were bought out by XXXX XXXX XXXX. I think that the agency is being misleading and not be forthcoming about this debt that came from XXXX XXXX XXXX.
11/05/2020	Yes	Debt collection Mortgage debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	UT XXXXX	Web
On XX/XX/XXXX Real Time Resolutions contacted my spouse on her Cell phone trying to reach me regarding a foreclosed mortgage that was sold to them by XXXX XXXX XXXX. This property was owned by me in XXXX prior to being married to my current spouse. I have never given them my spouses cell phone number, and I have never given them permission to contact me on her phone. Im unaware of how they got her number and feel it is predatory that they obtained it likely through credit bureaus or online tactics. Lastly, this account was foreclosed on in XXXX and sold at auction in spring of XXXX. As I understand the statute of limititations is exceeded in the state of Utah ( 6 years ). XXXX XXXX XXXX reported the foreclosure to my credit report and it has since been removed from my credit. My understanding is that the 80 % portion of my mortgage was resolved at auction and the the 20 % was written off as a tax loss. So I believe this debt to be acquired by Real Time resolutions as a bundle from XXXX XXXX XXXX as closed/default accounts despite it being written off by XXXX XXXX XXXX
09/16/2016	Yes	Debt collection Payday loan	Disclosure verification of debt Right to dispute notice not received	CA 92673	Web
My Credit Report now shows a " Collections '' account regarding a " XXXX '' account from 2011 being collected ( and reported to Credit Bureaus ) by Real Time Solutions in XXXX. I immediately contacted RTS and told them this was not my debt. They did not contact me prior to reporting ( despite having my email address ). They advised me to send them a Police Report ( I.D . Theft ) and they would remove it. This was done. They then asked for an Affidavit, which I completed. Real Time Solutions is polite but they are not transparent about the status or anticipated resolution. They illegally reported this, they did not contact me prior, and they have not yet removed this despite me complying with every action they 've asked me to take. When I ask about resolution.. they respond " It 's in " Research '' ''. I did have identity theft in 2011 and had to change my bank account. I explained this and provided them with a police report. There is no apparent resolution, yet my credit report has been severely impacted and I was denied a XXXX card which I needed for work expenses.
07/28/2017	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was paid	CA 904XX	Web
I took out a payday loan with XXXX XXXX XXXX on XX/XX/XXXX for {$2600.00} which I was unable to repay and XXXX XXXX XXXX enlisted the services of XXXX XXXX XXXX XXXX aka XXXX XXXX XXXX ( XXXX/XXXX ) to collect on their behalf. I settled with XXXX for {$1600.00} and made 16 payments of {$100.00} ( totaling {$1600.00} ). Per XXXX XXXX XXXX, XXXX only sent them {$260.00} as payment on my loan and thus XXXX XXXX XXXX sold the loan to Real Time Resolutions, who began collection efforts. I sent Real Time Resolutions ( RTR ) a fax containing my bank statements documenting my 16 payments to XXXX, but they have stated that they can not prove that the payments to XXXX are linked to the XXXX XXXX XXXX account. When I called XXXX to ask for proof of my payments, a switchboard operator informed me that XXXX is no longer in business and thus can not provide me with documentation. RTR has put the account on my credit report as a collection for {$3000.00}, which is false, as I made the settlement payments as agreed to XXXX. RTR has refused to remove the account from my report.
06/23/2015	No	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	FL 344XX	Web
My wife and I signed a mortgage for a house at XXXX XXXX XXXX, XXXX FL in XXXX XXXX in XXXX. The mortgage was adjustable rate, and in XXXX, the payments increased from the original {$700.00} to {$1100.00}, which we could no longer afford, and we stopped making payments. We were foreclosed in XXXX, the house was sold at auction in XXXX, though that sale appears to have been nullified, but in XXXX a collection agency, RealTime Resolutions began sending us collection notices, and continue to do so. We do not feel that we owe RealTime Resolutions anything, we did not sign anything from them and in our original response to the foreclosure notice, we disputed that the holder of the original mortgage was not the party who filed foreclosure. Our mortgage had been commoditized and resold during the period which led up to the XXXX financial crisis, and XXXX XXXX, which was XXXX of the plaintiffs on the foreclosure, has since been convicted of manipulating the interest rate index which determined the interest rate which caused our mortgage payments to go up dramatically.
01/06/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	MN 564XX	Web
Both Real Time Resolutions and XXXX ( XXXX XXXX XXXX XXXX ) have violated ; FDCPA ; Practicing Unlawful Debt Collection ; illegally Attempt to Collect a Settle Debt ; Illegally Attempting to Collect a Debt Not Owed and Falsification of Debt Owed Both RTR and XXXX ( XXXX XXXX XXXX XXXX ) are illegally attempting to collect a settled debt from Case No. XXXX ( XXXX vs. XXXX XXXX ) Filed XX/XX/2008 in XXXX, MN with Settlement Judgement reached XX/XX/2008 and Recorded XX/XX/2008. XXXX ( XXXX XXXX XXXX ) illegally misrepresented themselves as student loan collectors from XXXX. Only when my wife and I were victims of identity theft was when I found out that they were collecting on same settled debt from XXXX. They ceased collections after I filed numerous complaints and threaten lawsuit. They were supposed to refund all the money they took from me and never did. XXXX has also not been helpful in attempts to find records of this disputed settled debt. In addition to having both the court administrators office and my bank looking for paperwork from 11 years ago.
04/20/2019	Yes	Debt collection Mortgage debt	Written notification about debt Didn't receive enough information to verify debt	FL 34953	Web	Older American, Servicemember
This past week I received a letter from real time resolutions, dated XX/XX/2019, showing that I have 3 options to chose from in order to work towards clearing a second lien on my current property. That lien was never officially noticed to me through the courts. Their options are ( 1 ) a temporary payment arrangement, paying over {$800.00} over the span of a year, then the previous (? ) arrangement will resume in effect ( no indication what that was ), ( 2 ) resolution - payoff one lump sum ( $ 16K+ ) that's 1 % reduction from amount owed ( full ), ( 3 ) short sale. Real time cost me my previous attempt to re-fi a couple of months ago. Knowing they did not pay full amount for the aledged debt, pennies on the dollar. Now I am still attempting to re-fi and that is all they want to do. On XX/XX/2019, at approximately XXXX, I spoke with one of their customer service ( XXXX ) representatives, who identified himself as XXXX ( sp? ). He indicated that the company would take no less than the $ XXXX owed (? ). I offered $ XXXX. He stated no. I told him we were done.
10/24/2023	Yes	Mortgage Home equity loan or line of credit (HELOC)	Struggling to pay mortgage Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure	CA 92653	Web
Im in the mortgage industry and lost my job in 2022 and at that time I fell behind on my first XXXX and simply could not make the payments so I decided to sell since it gained equity and would be able to survive temporarily. Out of nowhere I get a collection notice from a XXXX that I had thought was forgiven which was originally with XXXX, then sold to XXXX and the. XXXX went out of business and I tried to figure out where to pay but never heard for almost 16 years until I get a demand letter from a collection agency that I never received a transfer of servicing letter no any payment coupons and being in the business by law you must received the transfer letter within XXXX business days. Needless to say my was desperate and ended up selling my home and lost about {>= $1,000,000} on the zombie mortgage which was mainly interest which I begged for them to work with me and they would not budge. Im now homeless, jobless, no car and no unemployment checks and I need help to get the money that the collection agency took from me. Please help me and XXXX XXXX
04/08/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	SC 291XX	Web
In times past I sent documents to dispute this debt. I have never personally applied for this debt. I submitted dispute letters, I sent a letter to stop all calls which did happen. On today XX/XX/XXXX, I called and spoke with a representative which did let me know they received my disputes, but they were still going to seek compensation for the said debt. I then said so as a consumer I have rights, and no debt should be on my report according to 15USC1681b. I advised this is fraud. The rep said well we show payments being made, and you even asked for a deferment on the loan. I said it sounds as if you're pointing fingers. I said in fraud, people get things in ppl name all the time and may not have intention on just taking... they may start out good and something happens but then when they default the bad falls on the victim. She said well could you have forgotten since it's so long ago??????? This is Real Time RESolutions XXXX file number is Account number original XXXX which I have no clue... .this debt was open XXXX of XXXX. Owing over {$5000.00}.
04/08/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	SC 291XX	Web
In times past I sent documents to dispute this debt. I have never personally applied for this debt. I submitted dispute letters, I sent a letter to stop all calls which did happen. On today XX/XX/XXXX, I called and spoke with a representative which did let me know they received my disputes, but they were still going to seek compensation for the said debt. I then said so as a consumer I have rights, and no debt should be on my report according to 15USC1681b. I advised this is fraud. The rep said well we show payments being made, and you even asked for a deferment on the loan. I said it sounds as if you're pointing fingers. I said in fraud, people get things in ppl name all the time and may not have intention on just taking... they may start out good and something happens but then when they default the bad falls on the victim. She said well could you have forgotten since it's so long ago??????? This is Real Time RESolutions XXXX file number is Account number original XXXX which I have no clue... .this debt was open XXXX of XXXX. Owing over {$5000.00}.
11/09/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MI 481XX	Web
I have a mortgage loan that was charged off in XXXX by XXXX mortgage company and collateral was released. It was purchased by Real Time Resolutions as a debt collector, then in XXXX of XXXX the home was foreclosed upon by XXXX County Michigan and granted to the city of XXXX for delinquent property taxes. Real Time Resolutions is incorrectly reporting this loan to XXXX as an open mortgage 180 days past due for the past 6 years. There is no collateral so this loan should be reported as an unsecured loan or removed from my XXXX report entirely. This loan reporting is effecting my ability to obtain a mortgage - even my ability to obtain employment. The loan is also time barred and I am not responsible for the balance. To make matters worse the home was fraudulently foreclosed upon as the mayor and city planner are under federal indictment due to accepting bribes/wire fraud in connection to a community blight removal program that funneled properties to a contractor who already accepted a plea deal. Please help me to get this reported correctly or removed
03/09/2023	Yes	Mortgage Home equity loan or line of credit (HELOC)	Struggling to pay mortgage	CA 92656	Web
Hello, I am unemployed and can not find a job so I had no choice but to sell my home. I thought my 2nd was forgiven since I could not locate my lender and come to find out they went out of business. When I listed my property for sale I all of a sudden received a letter from a collection agency stating the I owe an enormous amount of interest on top of my original loan amount. I never received the transfer of service letter and the monthly payment stmts and the loan matured in 2022. I called that collection agency and explained to them I am out of work and if they can work with me by reducing the payoff and told them Im unemployed and need my equity but they will not budge and do not care that I need the money to survive since I do not have a job and have no money in the bank. Is there anything I can do to get them to reduce the payoff? And my house is about to close and if I cant get any answers can I go after them after my house closes and pay them off even though I dont agree with their terms? Please let me know, Thank you, XXXX XXXX
04/19/2019	Yes	Mortgage Home equity loan or line of credit (HELOC)	Struggling to pay mortgage	CA 91722	Web
InXX/XX/XXXX, I had a 1st and 2nd mortgage on my home with XXXX, which both were later transferred to XXXX XXXX XXXX ( XXXX ). Subsequently, I defaulted on both loans. In XX/XX/XXXX, XXXX modified my first and forgave about 50 % of the principal. However, the 2nd was transferred to Real Time Resolutions ( RTR ). I never made a single payment to RTR and the second mortgage eventually fell off my credit report after about 7 years. The initial amount that I defaulted on was {$56000.00}. Recently, I tried to refinance my home and I came to find out that there was still an outstanding lien on my property for the 2nd mortgage. RTR was contacted and they claimed the pay-off amount was over {$83000.00}. The statute for RTR to foreclose on my home has already passed and basically they are holding my property hostage. I also believe they are trying to collect on a debt that should have been settled initially by XXXX, since XXXX modified the first mortgage. I tried contacting RTR to reach a settlement, but they do not respond to my emails.
06/08/2015	Yes	Debt collection Payday loan	Taking/threatening an illegal action Attempted to/Collected exempt funds	CA 93705	Web
This debt is from 2011, a loan from a check cashing company. I became permanently XXXX in 2011 and was laid off not too long after that, When I went into the XXXX, was informed they would not accept cash but illegally debited my bank account and had not given them access for EFT, I was turned over to this same agency and filed a complaint with the FTC and the case against the agency was won and the amount was supposed to been forgiven. Friday I received a phone call on my home phone asking for me, as soon as I answere yes I was told it is a attempt to collect a debt at no time did they identify themselves, when I argued with the girl on line I was transferred to a muscle guy who demanded I pay " or Else '' threatened me with legal action, when I informed him I was XXXX he said that they could seize my bank account, social security XXXX, and all my assets by that time it had escalated into a shouting match, I have received XXXX calls this morning in a row between my cellphone and home phone which was not anywhere on the original debt.
07/06/2019	Yes	Mortgage Home equity loan or line of credit (HELOC)	Applying for a mortgage or refinancing an existing mortgage	FL 34953	Web	Older American, Servicemember
I contend that real time resolutions ( rtr ) illegally recorded an assignment of mortgage beyond the Florida statute of limitations. On XX/XX/XXXX, I received a transfer notice of this alleged debt from XXXX XXXX XXXX. By their own admission, rtr recorded the assignment with the Clerk of the Circuit Court of XXXX XXXX XXXX on XX/XX/XXXX. After a consultation, it's determined that this action IS beyond the five year statute of limitations in the State of Florida. This includes both promissory notes and written contracts, as well as open-ended accounts. Therefore, I request that rtr vacate the lien and release both the lien and me from another further harassment. They never bothered to report any of this with any of the credit bureaus. The fact that the alleged debt never showed on any of my credit reports does make me suspicious. Their, rtr, latest statement indicates this account originated from XXXX XXXX XXXX. XXXX may have been the company, a few times removed, prior to XXXX XXXX XXXX. I request that rtr release the lien an me.
04/04/2021	Yes	Money transfer, virtual currency, or money service Debt settlement	Fraud or scam	NC 285XX	Web
I paid XXXX then XXXX XXXX then gXXXX XXXX and XXXX for my second mortgage for 13 years borrowed money and paid an extra 10,000 and sent in a money gram settlement for XXXX XXXX to close and they agreed to release lien. They fraudulently did not report my payments and stole my money. They were sued and went bankrupt for not reporting payments around the same time I paid my account off. They then illegally sold my account to a debt collection company real time resolutions saying I owed almost the entire amount! They will not furnish me with any contracts and they refuse to remove the negative info from my credit report even though XXXX was found guilty and removed from my report. They are still charging fees but it says charged off years ago. They are still showing missed payments every month-they also show the terms are 17 year when it is 15 years-its also a debt collection agency and they are showing as a mortgage. They have no right to report or harass me for XXXX illegal activity. I can not sue XXXX because they are bankrupt.
05/04/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OH 452XX	Web
The one company that finally responded to my client, Real Time Resolutions after having the false loan since XXXX XXXX , XXXX ,, did so after it transferred the alleged loan to XXXX XXXX , that has had this false debt since XXXX XXXX , XXXX . I have learned that another debt collection company also had this false loan prior to Real Time. None of these companies contacted my client. My client had hired another service to help her and that company found the alleged debt and the collection companies on her credit report. My client tried to speak to the collection companies by phone, but was told that " the loan balance '' was owed by her. In summary, my client entered into a land installment contract in XXXX ; was in the property for approxima tely 24 to 30 months ; was then locked out of the home and the land contract was terminated of record and withdrawn. She was never deeded the property, therefore, she does not owe any money and, secondly, the property has been sold to another company for more money.
01/06/2018	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	IL 60637	Web
Opened a XXXX XXXX XXXX account in XXXX which was later closed and subsequently included in a now XXXX discharged Bankruptcy. Yet, the hired debt collector, Real Time Solutions, continues to inaccurately report this account as opened to credit bureaus. While there is {$0.00} liability, the unclosed debt record is negatively effecting my overall credit. I have submitted more than a dozen combined disputes to the 3 credit reporting agencies and I have contacted Real Time Solutions directly and with no response or updates to my credit reports. I have exhausted all options and I am reaching out in hopes this can be rectified and that Real Time Solutions will be penalized for inaccurately reporting my account. XXXX - XXXX Online Dispute XXXX - XXXX Online Dispute XXXX - XXXX Online Dispute XXXX - TrXXXX XXXX XXXX XXXX Online Dispute XXXX - XXXX Online Dispute XXXX - XXXX Online Dispute XXXX - XXXX XXXX XXXX XXXX Online Dispute XXXX - XXXX Phone Dispute XXXX - Letter to Real Time Solutions XXXX - Email to Real Time Solutions
06/14/2022	Yes	Debt collection Mortgage debt	False statements or representation Attempted to collect wrong amount	NV 89509	Web	Older American
1. Please EXPLAIN interest accrual amount and late charge accrual amount as of XX/XX/XXXX. These amounts will be from XX/XX/XXXX until XX/XX/XXXX. You have provided interest accrual amount of {$34000.00} as of XX/XX/XXXX but DID NOT EXPLAIN. You did not provide late charge accrual amount as of XX/XX/XXXX so please provide that and also explain how you derived at that amount? 2. Please SEND a copy/copies of any INTENT TO ACCELERATE correspondence in your possesssion from XXXX or any acceleration that RTR initiated when servicing rights to this loan were transferred to RTR on XX/XX/XXXX or after RTR became servicer? 3. Please provide the copies of the certification of the original XXXX XXXX XXXX which contains original signatures of the certifying entity, the original seal and the notary signature. RTR should have these in their possession when servicing rights to this loan were trasferred from XXXX to RTR. RTR has obligation to provide the requested copies and its prerequisite before foreclosure can be commenced.
08/27/2022	Yes	Debt collection Mortgage debt	Written notification about debt Didn't receive enough information to verify debt	NV 89509	Web	Older American
In my last communication with the company they referred to me a case XXXX United States XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021. I donot belive this case is applicable and can be basis to my situation for several reasons. One primary reason is the Deed of Trust ( DOT ). What servicer does with respect to its Default/Acceleration should follow whats documented in the DOT. I wanted to confirm that what servicer did in XXXX case was what is really documented in his DOT. In my case what servicer did is what is documented in my XXXXXXXX DOT. The conclusion is that XXXX XXXX is different than mIne XXXX XXXX. Without knowing what is contained in XXXX Deed of Trust I can only presume that his DOT refers to primary mortgage which is quite detailed and not XXXX like mine. I would like to get a Copy of the DOT and NOTE of XXXX case before going further. The DOT and NOTE are public documents and are referred in the case so the company should not have issue in sending me the DOT and NOTE.
11/27/2017	Yes	Mortgage Conventional home mortgage	Incorrect information on your report Account information incorrect	NV 89178	Web
This is a rebuttal to the response that XXXX XXXX XXXX replied. I DID NOT ASK THE DEFINITION OF A CHARGE OFF I am well aware of what that means. It 's a bank code that is used to show a loss. That did not answer any of my original questions with this company. What this company is doing is Double Jeopardy in a sense,. The initial company charges off the same account that they purchased or took over. The account number is the exact same as the initial. This makes the mortgage look as though it was charged off twice. Where is the signed documents? Where is the payment history? I did not ask them what the other company was did I asked what kind of underhanded treatment they are trying to pull. Just what accurate law and regulations are they quoting? How is this even close to being legal? For the first company to charge it off and then again this one. I would think that this violates the Fair Debt Collection Practice Act which would include unfair and deceptive practices. I want to see a Mathematical audit on this account.
02/21/2019	Yes	Debt collection Mortgage debt	False statements or representation Attempted to collect wrong amount	FL 34953	Web	Older American, Servicemember
I am trying to refinance my mortgage. On XX/XX/2019, I contacted the collector, at XXXX XXXX, and was transferred to XXXX. I received a letter dated XX/XX/2019, which showed balance due was {$4900.00}. She insinuated they had no knowledge of that letter. I advised her I wanted to exercise the Lien Release Option. She indicated that wasn't their letter. I offered to settle the debt for {$7000.00}. She still indicated she had no knowledge of that letter and the amount due was $ 16,000+. The refinance company, XXXX XXXX sent Real Time Resolutions a payoff request, which they showed XXXX a payoff of over {$16000.00}. To the best of my knowledge and memory, Real Time Resolutions never officially advised me, via court filings, that there was a lien on my property. It only indicated that in the letters they sent. Now my refinance is more than likely lost to me because of this. They are unwilling to honor the letter of XX/XX/2019, and resolve the lien for less than the amount it secures ( the Lien Release Option ).
10/15/2023	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage Foreclosure	CA 90039	Web
When I bought my home in XXXX, I obtained a 2nd mortgage on the home with XXXX XXXX XXXX. It was at the time of predatory loan practices that later resulted in a country-wide recession. XXXX XXXX XXXX later dissolved as a result. Over 10 years later, the debt resurfaced and threatened me with foreclosure, with a company called Real Time Resolutions. At the time, there was no assistance or advocacy for consumers like me. I did not want to lose my home. I struggled to pay this additional debt, which caused me to fall behind only further with my primary mortgage. I did pay it for some time until the pandemic hit in which I was unable to pay. They offered me a forebearance and I made payment arrangements. I tried to pay again, but again struggled to pay. I decided to pay instead my primary mortgage. I have stopped paying since XXXX and now they are threatening me with foreclosure, and XXXX XXXX XXXX has sent me a letter which I'v attached. It appears they have no legal right to threaten me with foreclosure.
04/28/2016	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Keep getting calls about my loan	AL 35244	Web
During my period of unemployment I defaulted on my XXXX Student Loan. I entered into a loan rehabilitation program with a verified collections agency with XXXX. I was contact will paying the verified agency by another agency called Real Time Resolutions. While not important my loan is out of default. I have contacted the XXXX regarding the negative reporting by Real Time Resolution in the amount of {$1.00}, XXXX when my loan was no longer in default and had been rehabilitated through an agency they verified. I was informed today XXXX XXXX, 2016 by XXXX, in customer service ( XXXX XXXX ) that Real Time Resolutions is not a recognized as an agency working with XXXX. This company has fraudulently report that I owe them an unpaid balance when I never had an account with them nor did they have the right to attempt to collect on behalf of the XXXX for my defaulted XXXX Student Loan. I am working to restore my credit from my period of unemployment and here this company is reporting fraudulent information.
07/12/2015	No	Mortgage Home equity loan or line of credit	Loan servicing, payments, escrow account	OH 45431	Web	Older American
I filed bankruptcy on XX/XX/XXXX and continued to pay both XXXX and XXXX mortgages through the trustee, I was not in arrears when i filed and was never late or missed any of my payments to the XXXX then converted to a XXXX and was discharged on XX/XX/XXXX.I did not reaffirm either account but did choose to continue making payments.My XXXX mortgage is through real time resolutions in XX/XX/XXXX one month post discharge they reported me late.Which brings XXXX issues number XXXX this loan was discharged it is a violation of my automatic stay to report past the filing date and certainly past the discharge date.I have disputed with the cras and i have called real time and they said they could report on this account.This information is on all XXXX credit reports that this loan is discharged in the bankruptcy so at this point i am bringing it to your attention 1 more time.This type of reporting violates one of the basic tenants of federal bankruptcy law that they are reporting on discharged debts.
06/19/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NC 28112	Web
I was contacted by a recruited for a program/ job opportunity through the University XXXX XXXX XXXX I was told if I did the program then I was eligible for hire through various companies. After researching the school further and discussing with colleagues they said the school wasn't accredited for the program I was enrolled in. Thus, I never attended any classes and unenrolled immediately after. I have disputed this account on all three of my reports for years because they tried to even send me a refund check in the mail -- that I did not cash. now fast worded to this year it is still reporting and negatively impacting my score -- they have a lawsuit with the FTC for falsely posting programs for potential hire. I've disputed with their office and they say even though I didn't attend classes I'm still liable for the debt -- so I've settled and I've still been given the runaround about this. I would like this deleted off my report as this should have been covered under the FTC lawsuit.
07/11/2020	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	DC 20019	Web
Real Time Resolutions Inc. have been dishonest in their reporting and collection practices regarding a mortgage loan that was closed and charged off by XXXX XXXX on XX/XX/2012 and then it was transferred to Real Time. Acct XXXX. XXXX XXXX sold the loan to Real time and now I am a victim of Real Time false and misleading representation and false Debt Collection Practices. I have filed complaints thru all credit bureau and real time continues to report that the loan is Active ... and I'm 120 days delinquent. However that loan has been closed since 2012, charged off, and past the statue of limitations to collect. I'm in severe hardship thru this pandemic and real time erroneous reporting has caused me adverse hindrance because I have tried to refinance my current mortgage and was denied due to them. Please help me by making them remove from my reports because it's also 7 years past the date of last payment. I don't owe this close and charged off debt.
07/25/2017	Yes	Mortgage Home equity loan or line of credit (HELOC)	Closing on a mortgage	FL 32940	Web
On XXXX XXXX, 2012-I filed for Chapter XXXX due to multiple issues. The mortgage on my property was under XXXX. In the Bankruptcy process they sold the mortgage servicing to a company XXXX XXXX XXXX. My Chapter XXXX is final this month and I am selling the property. Upon Title search, a second mortgage surfaced-This was also through XXXX. This second mortgage did not appear on a credit report nor did it come forward during the Chapter XXXX processing. This company is Real Time Resolutions who is a debt collector that XXXX has assigned this second mortgage collection to and they stated this is an open account and interest has been accruing. XXXX has been underhanded in not coming forward for the Chapter XXXX and I want to further understand how I can move forward against them. I understand they are currently under investigation and I will be starting a lawsuit as now I am losing potential buyers due to the deception of this company. Please assist.
06/15/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	WI 540XX	Web
I had a mortgage that has been paid off/closed for a couple of years, yet one of the prior servicers ( Real Time Resolutions ) is reporting that my account is currently 60 days delinquent, AND that it was transferred to another company. This account was transferred to another company almost 3 years ago, and is no longer being serviced by Real Time . I 've asked them repeatedly to report this correctly, or to delete it altogether, as it 's only reporting incorrectly to XXXX ( not the other reporting agencies ). This is causing problems with attempting to purchase a new home, and therefore I need this resolved quickly, as I 'm soon going to be homeless if this does n't get fixed. I keep getting the same information from them, they keep sending me a letter stating that the account was delinquent when it was transferred, but they will not fix the reporting of the account. This is the only thing holding up my new mortgage loan.
06/07/2018	Yes	Mortgage Home equity loan or line of credit (HELOC)	Struggling to pay mortgage	SC 295XX	Web
My home was foreclosed on in XX/XX/2011 with XXXX XXXX XXXX having first mortgage and they also had a second. The foreclosure was a non judgement and the second was sold off to Real Time Resolutions, amount owed XXXX. I have verbally warned them for years do not contact me pursuit to section 805 of the FTC collection act via telephone however I will correspond via mail. However, they continue to call. Everytime I get a new number, or at mothers land line, they call. And I tell them again.or sign up for the DNC registry. Today they called three times in a row after I warned them. They have threatened me with garnishments, all types of ways to scare me into paying this debt. I am on XXXX XXXX with zero assets. I have had enough of their calls and flagrant disregard for my FTC warning. XXXX XXXX is the other that also calls without regard to my FTC warning. They are from overseas and call without care or regard. I want this to stop.
10/21/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	CA 90604	Web
Real Time Solutions is a collections agency. They are not the original creditor to whom the debt was owned. I have disputed their reporting to XXXX, XXXX and now they are reporting expired debt that has passed the 7 year reporting time to XXXX. On XX/XX/XXXX their reporting of XXXX XXXX for {$68000.00} expired. XXXX removed it from my credit report. However on the same date that the date expired, XX/XX/XXXX, Real time solutions reported it as new debt. XXXX did not check the report and my credit score dropped XXXX point. I had problems before with this company. They do not report credit history debt. After I dispute their information being reported and it is removed, Real Time Solutions report it again as new debt. The credit Agencies do not check if this has already being previously reported, and removed. The data is taken as a new report and reported against my credit history. Real Time Solutions need to validate the debt.
03/06/2019	Yes	Mortgage Home equity loan or line of credit (HELOC)	Struggling to pay mortgage	CA 915XX	Web
On XX/XX/2018, I sent a set of QWR Demands to Real Time Resolutions ( RTR ). RTR has not responded to my request by sending the documents to my home address. RTR claims they sent the documents to a separate party in Oregon. Since the accounting and ownership rights to the debt are in question, the documents requested within the QWR are relevant. Once the loan in question was transferred to RTR, I filed written complaints, demanding explanations relevant to the holder of our mortgage note and Deed of Trust. RTR still has pending responses which specifically related to our questioning the affidavit of sale and or assignments of custodial servicing rights to RTR. RTR was also served with a qualified written request ( QWR ) under the RESPA, 12 U.S.C. 2605 ( e ) ( 1 ) ( B ). Since RTR acts as both a loan servicer and debt collector under CA law, I am seeking your assistance on this matter. You can reach me at XXXX or XXXX.
07/07/2016	Yes	Mortgage Home equity loan or line of credit	Loan modification,collection,foreclosure	NV 89121	Web
The XXXX XXXX XXXX and Real Time Resolutions are involved in a debt collection activity focused on second mortgages. According to the DOJ and XXXX XXXX XXXX XXXX in 2014, XXXX XXXX XXXX is supposed to modify or forgive theses loans. Instead the XXXX XXXX XXXX who still owns these loans is using Real Time to collect on these loans by claiming Real Time is a sub-servicer, when in fact the XXXX XXXX XXXX sets all the pay-off demands regardless of the consumer 's ability to pay-off the XXXX mortgages. Most of these XXXX mortgages are HELOC loan with extremely high interest rates sold through XXXX just before the national mortgage meltdown. It appears the American homeowner is about to have a second chance to lose their homes through the faulty lending practices of the XXXX XXXX XXXX. Please investigate the activities of Real Time and the XXXX XXXX XXXX because they are taking advantage of homeowners all across America.
05/22/2015	Yes	Mortgage Conventional fixed mortgage	Settlement process and costs	FL 33578	Web
we foreclosed a home with XXXX XXXX XXXX in XXXX we were offered a " rem judgement of foreclosure '' and a " deed in lieu '' to settle and our lawyer accepted the deal. we were told by BAC the accounts ( XXXX & XXXX mortgages ) were closed and wrote off. we have been contacted by a company called Real Time Resolutions and they have claimed we now owe them a balance for the mortgage amounts that BAC have told us were settled and closed. Real Time Resolutions has now reported on our credit report we are past due, and owe them thousands of dollars. we have XXXX XXXX XXXX telling us the accounts are not valid for collections, we have had lawyers tell us not to worry about these claims, but I would like to have Real Time remove the claims from our credit reports. I am now dealing with a new credit repair person that has me filing this complaint against Real Time and their tactics of damaging my credit history.
08/08/2015	Yes	Debt collection I do not know	Disclosure verification of debt Right to dispute notice not received	CA 93313	Web
This collection agency has placed a negative trade line on my credit reports indicating I owe them, or the original creditor they represent, money. I have not received any notices in the mail regarding this account nor was I given the opportunity to dispute the validity of the debt. Once this trade line appeared on my credit reports, I sent a certified letter to this collection agency requesting validation of debt. I have received no response. I sent another certified letter to them informing them I intend to sue for violating my rights under the FDCPA. I still have not received a response. The trade lines are continuing to appear on my credit reports even after I have presented the letters to the credit bureaus. Collection activity continues to occur after I requested validation. The lack of action and/or response by this collection agency demonstrates noncompliance with section 809 of the FDCPA.
06/25/2017	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	TX 75115	Web
I bought my home in XXXX. There was a first lien and second lien on my home. In XXXX I lost my job and could not pay the second loan. The second loan was XXXX and now it 's XXXX. After speaking with my mortgage company at that time ( XXXX ), who holds the collateral, I was told that I could not lose my home if I continued to pay the first loan. I have struggled to make my payments to keep from losing my home. It 's been 12 years and now Real Time Solutions sent me an eviction citation with intent to foreclose on my property. They are the second loan which the banks have already written this judgement off but yet they are coming after me. I have a court date to go before the judge, Thursday, XXXX XXXX, at XXXX XXXX. I need help! I have nowhere to go! So unfair. The original company for second loan was XXXX, acct # XXXX, then sold to RTS. XXXX XXXX XXXX holds the collateral, acct # XXXX.
10/05/2022	Yes	Mortgage Home equity loan or line of credit (HELOC)	Trouble during payment process	VA 22193	Web	Servicemember
Real Time Resolutions ( RTR ) has failed to follow federal rules with regard to the 2nd Mortgage/HELOC I have with them. Everything worked well when XXXX! was servicing this loan. Since RTR took over the loan : -I haven't gotten a payment history as a matter of routine. -I have not gotten notice of how my payments were applied. -I think the loan type has changed, but I'm not sure. Additionally, an RTR Rep told me recently that there are fees carried over from the time when XXXX XXXX had the loan. I had never heard that before. RTR Reps always mention their website for answers to my questions/concerns, but their website does not work. My attachement documents my troubles with the site and communication from RTR about the site. I have handwritten notes on the pages for clarity. I only got information from RTR when I disputed the legitimacy/their authority to service my loan.
04/13/2019	Yes	Debt collection Mortgage debt	False statements or representation Attempted to collect wrong amount	CA 92807	Web
XXXX XXXXXXXX XXXX HAD THIS LOAN AND IT WAS FIRST DELINQUINT IN 2009. IT WAS CHARGED OFF AND SENT TO XXXX AND XXXX XXXX XXXX AND XXXX HAVE BEEN REPORTING IT FOR 10 YEARS AS DERROGATORY AND LATE PAYMENT NOW IT HAS BEEN TRANSFERRED TO REALTIME AND THEY REFUSE TO OBEY THE CREIT REPORTING LAWS WHICH STATE THE COMPANY TAKING OVER THE SERVICING IS TO CARRY OVER THE FIRST DEINQUENT DATE OF THE ORIGINAL CREDITOR - IN THIS CASE XXXX XXXX XXXX. 2009. THERE ARE OTHER ISSUES -- THE AMOUNTS ARE WRONG THE DATES ARE WRONG THE TOTAL IS WRONG I HAVE NOT RECEIVED STATEMENTS YET I SEE THE BALANCE KEEPS GETTING FEES. WITH REGARD TO WHAT THESE CHARGES ARE I HAD A SETTEMENT WITH XXXX AND IT IS NOT BEING HONORED. XXXX KEEPS CHANGING THE DATE OF CHARGE OFF TO THERE ADVANTAGE AND SO THEY CAN KEEP IT ON THE REPORT THIS IS FRAUD IMMEIDATELY. I PROBABLY NEED TO BRING THIS TO LEGAL ACTION FOR MANY REASON
01/10/2018	Yes	Debt collection Mortgage debt	False statements or representation Attempted to collect wrong amount	MD 20772	Web
I have made several attempts on my own to reach a understanding of the additional fees accumulating on my account and was unsuccessful. In XXXX of XXXX, I asked an attorney to assist with reaching a resolution. The attorney sent a letter and was able to get a full detailed record of the account in XXXX of XXXX but was unable to get a response to the request to explain the fees, which was the original request. The attorney representing me was referred to a attorney at Real Time Solutions and she was told they have only two attorney 's and they would get back to my representative as soon as they can. As of today, my attorney has followed-up with several phone calls and no return call or letter response received. I would like to reach a resolution for this account but unable to get answers from anyone. Its been more than six months and we have not been able to talk to someone.
07/15/2016	Yes	Mortgage Home equity loan or line of credit	Settlement process and costs	CA XXXXX	Web
Dear Real Time Solutions Please provide Assignment dated XXXX Title Policy dated XXXX Explain why Real Time Resolution does not appear on title report Who is Beneficiary Explain why Real Time Resolution did not respond to reopening of bankruptcy to file a proof of claim or respond to motion to VOID lien. Explain who should have responded Have RTR received copy of VOID lien from bankruptcy When were you noticed creditor had filed bankruptcy before or after Real Time Resolution purchased an I collectible debt - as there was no equity when Real Time Resolution purchased in XXXX while debt was in bankruptcy Why did you not notice bankruptcy attorney of record of purchase of servicing rights Real Time Resolution was not a creditor however appears to have known of bankruptcy XXXX XXXX XXXX sent a copy of reopened bankruptcy in XXXX that was forwarded to Real Time Resolution
07/05/2018	Yes	Debt collection Mortgage debt	False statements or representation Attempted to collect wrong amount	TX XXXXX	Web
Real Time Resolutions ( RTR ) engaged in fraudulent activity to misrepresent my financial arrangement with them, which is supposed to be {$5.00} per month, and even going so far as to state, according to their representative, that I signed an agreement to pay them {$120.00} per month. I never signed or agreed in any manner to such a thing. I am submitting the following documents : My XX/XX/18 RTR - Fraud Complaint Statement XXXX XX/XX/XXXX Letter RTR XX/XX/XXXX Letter ( page 1of2, backside of page 1of2, page 2of2 ) RTR XX/XX/XXXX Letter ( page 1of2, backside of page 1of2, page 2of2 ) RTR XX/XX/XXXX website - online contact page ( email option ) of my nite of correspondence sent to them XXXX Money Order receipt purchased on XX/XX/XXXX and sent to RTR, and processed by RTR on XX/XX/XXXX. ( The XXXX claim confirmation for the processed money order will be forthcoming ).
09/01/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 335XX	Web
Real time resolution my second mortgage company has been reporting me as 30 days late every month since XX/XX/XXXX to date. I have been involved in a chapter XXXX since XX/XX/XXXX and have been paying the trustee every month and the trustee has been paying the mortgage every month. I believe that real time resolution loan is a scam. I was not disclosed that this was an adjustable rate that adjusts every month I was told the adjustment was every year. I think real time resolution is just trying to keep me from being able to refinance their loan which would save me XXXX per month. This is what I've heard called propriety lending. I have had issues with getting monthly statements from real time and just mail them payments in excess of what is owed and asking them to apply overage to principal which they are NOT doing either. Please help ... this is out of control.
04/13/2020	Yes	Debt collection Mortgage debt	Written notification about debt Didn't receive enough information to verify debt	MN 55811	Web
I have been in medical care since 2017 and made payments to XXXX. I had a payee making payments. I never received any statements after a certain date and payments stopped. I started to get payment vouchers recently that I know of and did not know where they were coming from and what they were about. I did not understand when I went to credit report it said something about XXXX and bankruptcy. I recently wanted to refinance my home to take care of many medical bills that I have from the past 3 years and found out the loan has not been paid but it does not have the name of the company on it that is sending me the account statements. I will be calling them now but do not know what to believe or not. The company which I am receiving the account summary from is real Time Resolutions out of XXXX Texas. If you have any answers, I would appreciate them. XXXX XXXX
07/12/2015	No	Debt collection I do not know	Cont'd attempts collect debt not owed Debt was paid	TX 77016	Web
Reporting to the Credit Bureau ( XXXX ) that my debt is paid in full, however its 120 plus days late. I 've contacted them XXXX times and they keep telling me that they are reporting it correctly. Yes, it is showing Paid in Full, however they will not change the status which shows it is over 120 days past due. The account has been paid for over a year, but its affecting my credit score on XXXX. This last time I contacted them, they simply sent me a letter that they had already sent me on XXXX XXXX. They did n't even try to correct this issue. I 'm reaching our to you all before I sue in court. This is costing me money because my interest rate is higher because of this. XXXX score is XXXX points less than my other XXXX scores and its all because of this erroneous reporting. They are breaking the law by reporting erroneous information according to the FCRA.
04/15/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 92508	Web
I have previously disputed this account on my credit reports, but for some reason, Real Time Solutions continue to report this unpaid balance of XXXX on my report. I am trying to qualify for a house and can not because this is being reported as a collection. I've written two letters and just received a response from RTS, they sent me documents which do not have my signature and it looks as though the letters were typed. I've asked them twice to give me something that has my signature, but they can not. Also, they indicated they mailed me a letter in XX/XX/2015, but I did not receive the letter. They also indicate a account number at a credit union which I didn't have. I am tired of writing letters back and forth with this company and would like this information removed from all 3 credit bureaus. Any assistance you can offer would be greatly appreciated.
01/22/2018	Yes	Mortgage Home equity loan or line of credit (HELOC)	Trouble during payment process	NC 270XX	Web
We obtained some kind of " home collateral '' loan from XXXX many years ago, we knew the terms of the loan and we 've been paying religiously by automatic debit from our checking account since the last 10 years. Anyway the loan has been sold many times over but we normally get some kind of notice about the loan being sold. Well this time the loan was sold from XXXX ( XXXX Customer Service Phone XXXX ) to REAL TIME RESOLUTIONS which it seems to be a debt collector.Real Time Resolutions, IncXXXX XXXX XXXX XXXX, TX, XXXX Phone. XXXX The thing here is nobody ever let us know about this, and it looks like we have a loan with a debt collection agency Real Time Resolutions and we do n't like that. Banking and financial regulations need be stronger in this country, the consumer always suffers. In any case I consulting my attorney to see the steps to take.
08/08/2017	Yes	Mortgage Home equity loan or line of credit (HELOC)	Struggling to pay mortgage	CO 80015	Web
Real Time Resolutions ( RTR ) currently claims they hold the collection rights to my HELOC. They claim that the total amount due is {$88000.00}, but I disagree with that figure. They have refused to provide accounting records to prove up debt owed. The balance on the debt was {$44000.00} a few years ago, so there is no legitimate way the debt could have grown to to the alleged {$88000.00}. I have demanded the accounting ledgers via Qualified Written Request ( QWR ) and RTR has failed to respond. Per RESPA law, RTR is required to respond with clarity to any QWR per 12 US Code 2605. RTR has also claimed that corresponding interest rate is 12 %, but has failed to provide valid proof of the rate. Based on the original mortgage note we signed, the interest rate was 4.5 %. I feel cheated and deceived by RTR and I am seeking your assistance on this matter.
06/14/2017	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	NY 11433	Web
This property was listed on XXXX XXXX , 2016. There are 2 mortgages on this property. We received an approval from the first bank and they agreed to pay the second bank Real Time Resolutions {$6000.00}. Real Ti me Resolutions asked for the payoff letter from the first bank and then declined the offer and request an amount of {$22000.00}. After going through a divorce, which left me with sole financial responsibility for the property, I depleted my savings trying to maintain the payments for as long as I could. I was then forced to sell the property after being unable to make the payments. I was unaware that my home was in an area that lost so much value. I never expected to sell at a loss since I had already depleted all of my savings. The home is in need of repairs however I currently have a buyer, that was approved by the first lien holder.
08/08/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	CA 95391	Web
In XXXX my house was broken into and my personal checks and security card and old drivers license was stolen. have submitted documentation to Real Time Resolutions. XXXX XXXX XXXX, XXXX I submitted documentation to the collection agency and also submitted a dispute with XXXX credit bureau. Realtime Resolutions responded back to the credit bureau indicating that my address and name match their records, however, they have NOT responded back to me with any status at all. I understand that my name and address match their records but I am a victim of Identity theft and that 's why I sent their company a copy of my police report, W2 and also my drivers license. As of today, which is XXXX XXXX I have not received a response from the company and I would like to have this Collection Account removed from my credit report with XXXX credit bureau immediately.
02/09/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	AL 36830	Web
Due to misunderstanding and clerical errors of this account, I am requesting validation of this debt. I never received proper notice for this debt. I was notified by XXXX in XX/XX/ that this account would be tranferred to RTR on XX/XX/. I received two account statements from RTR. The first time I spoke to RTR was XX/XX/. I wanted to settle a debt that I supposedly owed. Unfortunately, at that time I was unaware of my rights.After five days of initial contact, RTR should have informed of the name of the creditor to whom the debt is owed, a statement of dispute, correct amount owed. In short, my consumer rights. I do feel RTR is taking advantage of me by not properly informing of this debt. I deserve to know my consumer rights. Overall, RTR account handling is unfair, deceptive and unorganized. I have no problems with the customer service reps.
02/24/2023	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt is not yours	CA 95135	Web	Older American
I was trying to get a second loan to help me with my finances, since I recently retired. I got a loan approved but when the lender ordered a preliminary report it showed a lien from XXXX XXXX loans from 2006. A collection company call Real Time Solutions is telling me that they bought this loan and it is my loan! I have been telling them that I don't remember having a line of credit with XXXX ever. They sent me a deed of trust with a signature that doesn't look like my signature with no date next to the signature! Also, I just received a list of payments made to this account for about a year which I don't know who made them because I don't remember making any payments for any line of credit. Please help me get the problem resolved, I don't have any money to pay for an attorney to help me. Thank you so much for your assistance. XXXX XXXX
04/02/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NC 287XX	Web
I called XXXX XXXX XXXX XXXX collection agency ( Real Time Resolutions ) in XX/XX/XXXXto start the resolution process. I requested that Real Time Resolutions provide a documentation of the loan, proof that the loan was mine, and that the loan wasn't paid off according to the terms, as I paid this loan off in XX/XX/XXXX. There was a " process '' to get this information. I waited 24 hours and received a phone call back and was told they could give me no further information. As there can be no documentation provide from the creditor this loan should not be reporting to my credit report. I filed a dispute with XXXX with no resolution. When I called XXXX to discuss the dispute, I was told that the creditor just said that the loan information that was being reported was correct. I have still received no proof of the loan being legitimate.
02/26/2017	Yes	Mortgage Home equity loan or line of credit	Application, originator, mortgage broker	CA 923XX	Web
Real Time Resolutions ( RTR ) does not respect the Fair Debt Collections Act, also breaking the Law. The Statures of time in California is 4 years. why is RTR disrespecting and breaking the Law, simply put. This is an old XXXX Loan # XXXX this is just one of I do n't know how many account numbers they have on me, my SSN # XXXX.. Because they hide the truth with many different account numbers you can never get the truthful facts from ( RTR ) there is no telling how many times they have been paid off, because they keep changing the account numbers. I 'm asking them to remove my name and SSN # purge it from their system and rescind any and all claims they have filed. With respect to XXXX XXXX XXXX SSN # XXXX property located at XXXX XXXX XXXX XXXX, XXXX Ca XXXX also XXXX XXXX XXXX XXXX. XXXX Ca.XXXX. Respectfully, XXXX XXXX XXXX XXXX
07/27/2023	Yes	Mortgage Home equity loan or line of credit (HELOC)	Struggling to pay mortgage	CA 90706	Web
As per RTR, " RTR began servicing the junior lien obligation in XX/XX/2009. Since that time, RTR has made multiple efforts to contact the consumer in writing and by phone. '' Since RTR claims that they start servicing the junior lien in XX/XX/2009. I will like to get the copies of all the attempts made in writing and by phone as claimed by RTR. I will like to get copies of all the letters mailed to me, along with the efforts made by phone ( Call logs with dates, time and numbers called ) as claimed by RTR. TILA, RESPA and California DFPI requires that RTR provide information as requested above in a timely manner. I will also like to know complete breakdown of the balance including interest charges ( rate and amount charged daily, monthly and yearly ) and or any fee added to the account. Thank you
09/30/2019	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	CA 91505	Web
XXXX XXXX charged the wrong amount in the first place and took a couple of years to finally send me a letter saying that they did charge the wrong amount. I have called them several times to rectify this and then they sent me to Real Time Solutions who they said owned it now, when I call them they said that they can't do anything about it because XXXX is the only one that has that power and when I call XXXX to get to the bottom of this they say that I have to go through Real Time Solutions. I have asked them repedealty that I will pay the correct amount and want the charge off taken off since they never properly represented the correct amount to be charged. I have a letter from XXXX stating that they did not charge the correct amount and that they took off the wrong amount or credited the account
04/12/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	MD 208XX	Web
We have a short sale essentially completed for this property. Note has not been paid for 7+ years. Judicial foreclosure proceeding is well advanced. Borrower has no assets and is essentially judgment proof and strongly considering bankruptcy and has retained a bk attorney. The first lien has approved {$12000.00} for Real Time Resolutions as the second lien holder under the HAFA program, per program guidelines. We are not getting anywhere with the RTR contact person, and need a deficiency waiver and approval letter for the {$12000.00}. They are refusing to budge off of {$40000.00}. We do n't need all of this to be so difficult. We feel it is a breach of their commercial duty of good faith and fair dealing to demand more money than what the industry has routinely accepted for XXXX liens. Please help.
06/26/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	HI 96753	Web
I was not aware of this debt until a credit report was ran in order to get a mortgage. I have never received a phone call or mail about this debt. I called the company and when they asked for my information phone number, etc. they stated that was the phone number they had on file, but that in their system it was marked as disconnected. I have had the same phone number for over 10 years. I was not able to verify what the debt was for. I asked to speak with a manger to get more information And resolve this matter if possible and was told that they dont do that and if I wanted to file a dispute it would have to be through email. I have NOT received any communication from Real Time Resolutions until I called them about this. My credit report is showing over a year+ of late payments to this company.
08/13/2019	Yes	Debt collection Private student loan debt	Written notification about debt Didn't receive enough information to verify debt	CA 92879	Web	Servicemember
I reached out to collection agency " Real Time Resolutions '' in XXXX after bombardment of phone calls demanding that I pay a debt that I was unsure of. I wrote to them and offered settlement if the phone calls will stop, never verified debt and request the debt be validated by the company within 30 days. I also request that if the two criteria 's were met and they accepted my settlement that the debt be reflected as paid in full and removed completed from my credit report. Not only did i not receive any written correspondence from the company, the harassing phone calls haven't stopped to this day. Per the Fair Debt Collection Practices Act its a violation of the collection practices act for a debt collector to refuse to send a validation notice or fail to respond to your verification letter.
11/06/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	OH 43081	Web
This collection agency has been reporting late payments to all credit bureaus for a mortgage that was foreclosed on in 2013. Please see mortgage documents that states this mortgage was cancelled. They collected {$5000.00} from my husband and I while we were under duress. We 've always omitted that this debt was not ours however while trying to purchase a home this collection had proven to be damaging to our scores and the loss of a few homes because of late payment reporting. During this time we were notified by our lender that this debt in fact was NOT ours, and supplied us with legal court documents reflecting proof. Unfortunately a settlement was made, and {$5000.00} was collected from us. We are filing this complaint, as this collection agency illegally collected on a foreclosed mortgage.
03/10/2016	No	Mortgage Home equity loan or line of credit	Loan servicing, payments, escrow account	MI 48237	Web
In a letter written on XXXX XXXX, 2012, I requested that Real Time Resolutions, Inc. inform me of the name, address and phone number of the owner of my loan as they are legally obligated to do. I also demanded to to see the original mortgage note proving ownership over my home equity loan additionally, I asked for Real Time to provide me with evidence of your firm being contractually retained to service my loan. I made several attempts to obtain the information that I requested and Real Time refused to respond to my requests in an affirmative manner within 10 days as required by Section 1463 ( a ) of the Dodd-Frank Financial Reform Act. Furthermore, in violation of RESPA, Real Time has continued to report negative credit information to the credit bureaus during this period of investigation.
05/24/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 94803	Web
The reason for my filing of this complaint is that this company is still reporting an account that It has fully failed to validate as required by the FDCPA. I first requested validation of this company account on XXXX. And until today I am yet to receive any validation response that I had requested. As a result, I am preparing to file a lawsuit against this company should they fail to remove this unvalidated account from my report as soon as Now. BELOW is the unvalidated collection account that I need to be removed from my report ASAP : ACC XXXX, Date Opened XX/XX/XXXX, Balance {$5800.00} I am attaching for your reference : 1. My earlier request for Validation I sent to this company 2. My small claims form prepared to proceed with court filing in case they fail to delete.
10/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	SC 29720	Web
XXXX when I was going through a nasty divorce my ex husband took out this account. He had all of my information and I knew nothing about this account. I have reached out to this company RealTime resolutions several times but they could care less about my issue. XXXX is the only credit reporting agency that want remove this account. It is now XXXX an in accordance with the fair credit reporting act this creditor has violated my rights under XXXX5 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 section XXXX it also states a consumer reporting agency can not furnish an account without my written instruction under 15 ISC 1666b a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.
04/05/2018	Yes	Debt collection Credit card debt	Communication tactics Called before 8am or after 9pm	FL 33624	Web
This company repeatedly harassed me on my cellphone at XXXX and called me 3 times in a row this company called me 3 times in a row after XXXX on my cellphone, this is a straight violation of The Fair Debt Collection Practices Act. When I told the employee that hes illegally harassing me at night on my cellphone he told me he didn't care and that its not illegal to call me on my cellphone. Then the employee stated that he can call me whenever I want because the address shows Nevada, I never in my life have lived in the state of Nevada and I will not tolerate harassment and breaking the law from this company, I want this account removed from this company effective immediately or I will pursue further legal action. I Live in the state of Florida always have and always will.
10/13/2016	Yes	Mortgage Home equity loan or line of credit	Loan servicing, payments, escrow account	FL 33317	Web
I originally got a home equity line of credit ( heloc ) 9 years ago with XXXX. This loan has since been sold once and then ultimately sold again to a company, Real Time Resolutions ) based in XXXX, Tx. They originally told me when I told them this was a heloc that it was n't but after 'investigating ', they finally acknowledged that it is. However they did say that when the loan matures in XXXX 2017, the entire loan would need to be paid off. I told them that the terms of the original loan were that at maturity, payments to the principal of the loan would start. I have been paying interest and principal the entire time since I started drawing on the loan. They told me that they were a debt collections company and did n't have to abide by the original terms of the heloc.
11/11/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TX 75093	Web
I did a medication back in XXXX on a house that was over financed. I received the new servicing provider on the loan and that loan is current. I pulled my credit report in XXXX and XXXX XXXX is reporting since XXXX that my loan has never received a payment. I have contacted by phone, email and wrote this company multiple times. I never get a response from them or any answers as to where they have been since XXXX. My credit report shows them as a HELOC, reporting late since XXXX XXXX XXXX XXXX. Account reports CLOSED as of XXXX XXXX and they continue to increase the balance monthly. The only credit report that shows them is XXXX. Please try and get me any answers or resolved issues. I have perfect credit and this is causing me not to be able to obtain any mortgages.
03/26/2020	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	PA 19103	Web	Older American
I get calls about 5 times a week. Usually, it's just a recording that mentions a person XXXX XXXX XXXX XXXX who is not me saying that I should call XXXX ( the number that calls me ). Caller ID says " XXXX XXXX ''. Other times, the robocall says nothing when I pick up. When I call that number to try to resolve it, it is out of service. So I looked up the number for Real Time Resolutions and spoke to a customer service agent. I explained that there is no XXXX XXXX in my household and to stop calling. They said that have no record of my phone number so there's nothing they can do. If a company can robocall you they should have a duty to stop it. I am on the donotcall.gov list. But I think robocallers just ignore that since there is no enforcement.
03/11/2021	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was paid	CA 95833	Web
I handled whatever debt via modifications that included all loans years ago. Real Time Solutions is aware of this but claims they somehow acquired a debt I modified and worked long and hard resolving with my creditors. Back in XXXX I filed a complaint XXXX with the FTC against Real Time Solutions to stop harassing me over a debt collection they didnt even rightfully own and has been dealt with directly with my creditors. I would like a cease and desist order given to Real Times solutions as they think they can continue this after all this time when it wasnt valid in the first place. Also note they switch stories on which home they are collecting on my rental or primary residence so they know they have no legitimate claim and are making things up.
03/02/2018	Yes	Mortgage Other type of mortgage	Closing on a mortgage	FL 344XX	Web	Servicemember
I have a second mortgage that is about paid for and than on the statement 2 new amounts started showing up on the statements, one called deferred amount for {$1300.00} and one for fees and charges in the amount of {$620.00}. This loan was started with XXXX XXXX and then sold to XXXX and now Real Time Resolutions. For about the last 6 months these would show up on the statement I would call Real Time Resolutions and question what and were did they come from with no answer. The following month the fees and charges would be remove only to reappear the following month. I called XXXX and they discovered these balances were added on XX/XX/2008 when they assumed the loan but could not answer what they were for and suggested I notify consumer finance.
03/09/2022	Yes	Mortgage Other type of mortgage	Trouble during payment process	CA 90807	Web
On XX/XX/XXXX received a Notice of Default and Election to Sell Under Deed of Trust with a 90 day to make payment arrangement. However, I paid this loan off in full to " XXXX XXXX XXXX '' in XXXX. This is the first I have heard of owing anything or being delinquent on any payments in over 13 years. This creditor " XXXX XXXX XXXX '' or " XXXX XXXX XXXX '' are not on my credit report and are strong arming me and using leverage to be forced to pay XXXX debt twice. My parents and I have lived in this home since XXXX and never had a foreclosure, judgment, or lien of any kind on credit report or on this property. I feel this is an act of predatory collections on hard working families and elder abuse. This is inhumane and reckless business practices!
02/10/2016	No	Mortgage Other mortgage	Loan modification,collection,foreclosure	TN 370XX	Web
2006 my home was foreclosed on the original mortgage holders were XXXX and XXXX who both have since removed the old accounts from my credit report. I just recently noticed that Real time solutions has recently started affecting my credit score because they purchased the debt from XXXX that was not paid by the foreclosure they show the account on my report as being active and past due and recently changed something on the status to affect my credit. This company refuses to remove the account even though the original creditors for this debt have done so and it is outside of the 10yr time frame that allows them to report this debt, realtime shows this account as active and when they purchased it it was shown as closed or forclosed. Please assist?
04/07/2022	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	AL XXXXX	Web
I am trying to payoff a debt that has not changed balance in approximately a year since it was turned over to the current collection agency, in 60 days it has increased by approximately XXXX yet the invoice said no interest or fees are being assessed and I requested a payoff two weeks ago, and have not received a reply. The website forces you to agree that you are a customer in order to get the payoff, I added a disclaimer in my verbiage requesting the payoff and no one has called me. The Company is Real Time Resolutions on behalf of XXXX XXXX XXXX XXXX XXXX. I just want to be done with XXXX XXXX XXXXXXXX, as they are shady and unfair. I just received the payoff an includes default interest, in which a lump sum should be waived due to XXXX.
06/15/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 34953	Web	Older American, Servicemember
When I entered into a home mortgage modification with XXXX XXXX, Real Time Resolutions , Inc, I contend, illegally filed a corporate assignment of mortgage thru the court system in Florida. This assignment ( 2nd lien on my property ) falsely indicated ( I contend ) that I authorized and executed, thru Mortgage XXXX XXXX XXXX XXXX XXXX, them to file the assignment of mortgage. The alleged debt, according to the credit bureaus, was supposedly sold mid XX/XX/XXXX. Real time resolutions filed the assignment against me, beyond the state of Florida statue of limitations. They filed late XX/XX/XXXX. That is beyond the statue of limitations. I wish to suggest that real time resolutions vacate the lien and cease any more actions on their alleged debt.
08/12/2019	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	PA 17543	Web	Servicemember
I received a letter on the XXXX of XXXX in relationship to a second mortgage that was discharged in Bankruptcy. The Bankruptcy was discharged XX/XX/XXXX of 2015 and while the letter indicated that the debt may no longer be owed in the event of a bankruptcy it is still a demand for payment regardless of the legal language. I reached out to the company numerous times on the XXXX to avoid having to file a formal complaint but I couldn't get any one on the line. I spoke with a XXXX along with other reps who did their best to help but the file was with the Bankruptcy department indicating to me that they where aware that a bankruptcy was filed and and discharged which would make this a breach of of section 524 title 11 of the bankruptcy code.
01/27/2021	Yes	Debt collection Mortgage debt	False statements or representation Attempted to collect wrong amount	LA XXXXX	Web	Older American
I have been in dispute with Real Time Resolutions for several years. On XX/XX/2020 I submitted {$52000.00} via wire transfer to payoff the account. The account still shows delinquent through XX/XX/2020. I contacted the account representative Ms. XXXX XXXX on several occasions following up on the account. She acknowledged via email in XXXX that the payment had been received, but it would take a few days to be updated. Last week, I discovered that the account had not been updated on my credit report ( still showing delinquent through XXXX } I contacted XXXX to contest the report. Today, I received an email from XXXX indicating that my account has been updated. The report continues to show me as delinquent in XXXX, XXXX, XXXX and XXXX.
03/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	SC 29617	Web
On XX/XX/22 Real Time Solutions also known as XXXX XXXX XXXX XXXX XXXX XXXX ''. Sent a response through the Cfpb Portal saying that they " do not believe that they have committed any violations '' which is a false statement because the law is not what you believe it is what you abide by I showed proof of all violations that they have committed and it is {$6000.00} worth of violations. They also uploaded a fraudulent contract that has a " consumer '' installment contract but has me listed as a " borrower '' under the The Truth in lending disclosure. I am a consumer and under Truth in lending there is no such term as " borrower '', " loan, or " debt ''. This debt collector is using false and misleading business practices to commit fraud.
03/13/2017	Yes	Mortgage Home equity loan or line of credit	Settlement process and costs	CA 923XX	Web
Real Time Resolutions with respects to loan # XXXX has not provided us with any payment records amounts or dates. Also CA has the One Action Rule CCP 726, CCP 580 we are raising the objection to collection based on CA 4 year Statues of Limitations also there is no deficiency judgement. Real Time ( RTR ) filed erroneous documents under penalty of perjury In claim # 1 in Bankruptcy Case No : XXXX XXXX CA. XXXX XXXX with false payment amounts no dates and piece together untrue loan documents, under penalty of perjury. We a seeking Sanctions to be imposed on Real Time Resolutions ( RTR ) for harassing and violating The Fair Debt Collections Act. And filing pieced together false loan documents with no dates, under penalty of perjury.
06/29/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MD 20721	Web
This account was attached to an old property address of XXXX XXXX XXXX, XXXX, DE XXXX. This property went into foreclosure in the year ofXX/XX/XXXX and XXXX owned this loan. At the time of the foreclosure, my ex-husband, was responsible for this account which then was owned by XXXX XXXX. I filed bankruptcy in XX/XX/XXXX and it was discharged inXX/XX/XXXX. Since I was the co-signer on this account, it is showing still active on my credit report. I have spoken with the previous representatives of the owners of this account which led to them agreeing to remove this account from the delinquent status and list it as a " charge-off ''. I requested for a letter to be sent to me to verity when this was complete, but to no avail.
10/25/2020	Yes	Mortgage Home equity loan or line of credit (HELOC)	Closing on a mortgage	NV 89123	Web
On XXXX XXXX a company Realtime Resolutions contacted new and stated that they would be able to sell my home back since they had foreclosed due to me defaulting on my second back in XXXX when the economy crashed. Its been two weeks and Im now getting the run around, the evicted ne and my children. They said if I paid them XXXX dollars they would be able to transfer the title back to me. I just needed to show proof of the funds which I told him I did, try to send the proof and now the email came back undeliverable. I feel as though they just want to gain time and not come true in what they told me, unfortunately Ive not been able to have them put anything on paper, what can I do? Its my children s livelihood. Please help
06/16/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	MN 55068	Web
I purchased my house in XXXX and had two mortgages ( XXXX ). I have been paying regularly on my first mortgage ever since. In XXXX, I modified my first loan and was told an Obama program took care of the 2nd loan. Suddenly, on XX/XX/XXXX I was hand delivered a sheriff 's sale notice to take place on XX/XX/XXXX. The servicer on the sheriff 's sale notice is Real Time Resolutions , Inc, and their lawyer is XXXX XXXX XXXX XXXX. I received no prior notice at all but I also believe this 2nd loan was forgiven/cancelled as of XXXX. I have received no communication from any company/business regarding the 2nd mortgage since the modification of my first mortgage in XXXX. This seems illegal and I believe I am a victim of a scam.
03/20/2018	Yes	Mortgage Home equity loan or line of credit (HELOC)	Struggling to pay mortgage	FL 33647	Web
Real Time Solutions is reporting currently past due and like a foreclosure. I have never had a mortgage with this company, only XXXX XXXX XXXX and those were all paid out through the sale of the home in XX/XX/XXXX. I have no idea who this company is and why they are reporting. I demand proof of documentation I signed regarding this! This is showing very old also from XX/XX/XXXX and would be past the statute of limitations as well. . Also all my info is on the attached credit report because I have NO address to list with this mortgage because I don't know who they are! So they better not try to stall and say they can not locate me without a property address. Use my social and date of both on the attached document.
10/10/2020	Yes	Mortgage FHA mortgage	Applying for a mortgage or refinancing an existing mortgage	CA 92504	Web	Older American
About 2 months ago, I received an account statement from a company called Real Time Resolutions from XXXX, TX, the statement said that I owed {$17000.00} from a Property in XXXX XXXX, which I never relocated to that state for anything at all. So I called and they said they would do an investigation and get back with me. As of this day, they have not done an investigation for this home, they even ask me for my social security number, and the person I spoke with said it didn't match my number, so why are they still sending me statements regarding this property, which I never been or will go to XXXX to live. I live in California all my life, and now that I am XXXX years of age, I have no plans of moving to XXXX, XXXX.
02/13/2018	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was paid	MD 20852	Web
I own an investment property and at one point obtained a second mortgage on the property which was later paid off. After the financial meltdown in 2007, mortgage holder went bankrupt. Unfortunately, since the event took place more than 10 years ago, I do not have any documentation that shows the release of the lien by the mortgage lender upon my full payment. Years later, Real Time Resolutions now demands payment on the loan which had an original principal of {$41000.00}. Real Time Resolutions " claim '' that they now own the debt but did not provide an evidence of chain of title. I refuse to pay twice for the same debt which is already been paid, and urge Real Time Resolutions to release the lien on my property.
01/20/2016	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	CA 92404	Web
I seatle this debt and made all require payments. I received a notice of satisfaction from the lender/ agency and the removed themself from my credit report. Then this new collection agency REAL TIME RESOLUTION IS SENDING ME BILLS on the balance that was seatled. The ruin my credit score and wo n't stop sending me bills. I already faxed them copies of the seatlement agreement, proof of payment, letter from original lender showing XXXX things, first a matching account number so they know that we are talking about the same account and that it was paid, fully satisfied and closed, but this agency refuses to stop their attempt to collect something from me and to remove their name from my credit report. Please help
06/09/2021	Yes	Mortgage Home equity loan or line of credit (HELOC)	Struggling to pay mortgage	FL 346XX	Web
Real Time Resolutions ( RTR ) has been sending me notices regarding an alleged debt ( see attached ). I have sent numerous requests to them to prove up the validity of the debt and produce accounting records via qualified written request ( see attached ). Most recently, I have requested that RTR send a payoff demand and produce the rights to release the alleged lien. Their failure to respond to all of my requests has interfered with the ability to sell my home. Most recently a buyer backed out because RTR would not produce documentation that the title company requested. RTR is in violation of numerous FDCPA, HUD and RESPA laws. I am seeking your assistance on this matter before I proceed with litigation.
06/15/2015	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	MI 48045	Web	Servicemember
My mortgage was foreclosed on in XX/XX/XXXX. Real Time Resolutions purchased it after. I have been trying to have this entry removed form my report and disputed in in XXXX, XXXX, and XXXX. Real time response was that it would be corrected and removed by XX/XX/XXXX. To date, it has not When I tried to disputed it again, since they have NOT been at all truthful and lawful since this ordeal began. Their response is that the dispute has been settled. IT HAS NOT. I am requesting to have t his entry taken off off all of my reports immediately. I consulted an attorney and he indicted that because they Realtime is doing this as they ca n't legally come after me. This is XXXX way to keep my credit report flawed.
06/08/2023	Yes	Mortgage Home equity loan or line of credit (HELOC)	Trouble during payment process	CA 95610	Web
In XXXX of 2005, we took out a Line of Credit for XXXX. Later that year we refinanced our First. XXXX was supposed to pay off the Line of Credit. Now 18 years later, we find out the Line of Credit was never paid off by XXXX. Now, the company holding the Line of Credit loan wants {$170000.00}. We have not heard from this company in 18 years. We have never made a payment to this company, since we thought it was paid off. We live in CA, our house in worth approximately {$500000.00}. Our First is {$160000.00}. We are current on our First. Now that this company found out we have so much equity in our house they are threatening Foreclosure. The Company that holds the note is Real Time Solutions.
06/02/2020	Yes	Debt collection Mortgage debt	False statements or representation Impersonated attorney, law enforcement, or government official	NY 10308	Web
Real Time Resolutions ( RTR ) was sending me statements for years, every time with different amount on it. Lately I was trying to finally call and resolve it. -RTR is presenting themselves as a Mortgage Company ( No mortgage License in NY State ) .After inquiring about their license I received a letter that they are a collection company .FDCPA violation. ( letter attached ) -RTR Collecting a Debt that is 12 years old. Statue of limitation is passed 6 years already .FDCPA violation -RTR cant prove that they owe the debt or that debt were assigned to them.FDCPA violation -RTR doesn't stop mailing statements even after validation, disputing and exchanging about 8 letters .FDCPA violation
11/27/2018	Yes	Debt collection Payday loan debt	False statements or representation Attempted to collect wrong amount	CA 95008	Web
A company called Real Time Solutions is a Debt collection company that was sold a debt by XXXX XXXX XXXX. I had issues with XXXX XXXX XXXX regarding the validity of the debt, date opened, payment issues that they didn't rectify along with predatory practices of non-disclosed fees, and failure to process payments. They were paid the original loan amount but due to interest, hidden fees, and poor processing practices, along with virtually no consistency regarding the management of the account. Reall Time solutions simply changes the debt date whenever I attempt to file a dispute with a credit bureau. This way the debt will never be removed from my report and will always be inaccurate.
07/29/2022	Yes	Debt collection Mortgage debt	False statements or representation Attempted to collect wrong amount	NV 89509	Web	Older American
This is the third and final request. Please first answer yes or no to each question and then if you answer yes then send me a copy. What documents did you receive from XXXX when XXXX assigned you to be the servicer of the loan effective XX/XX/2012? Specifically I am requesting these two documnents. 1. Copy of the certification of the XXXX XXXX XXXX which contains original signatures of the certifying entity, the original seal and the notary signatures. 2. Copy of any Notice of Intent to Accelerate and attachments to the notice in your possession if any sent by XXXX prior to XX/XX/2012? Time is of the essence so please expedite the completion of this request. thanks
05/01/2017	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was paid	SC 293XX	Web
my name is XXXX XXXX and I saw that real time solutioins was on my credit I have never gotten anything in the mail saying that I owed them so I looked into it it was a company check and go I had paid them in 2014 because I had a XXXX so I called all of the credit bureus and I told them to disputed them because I paid them I even went to the company and my name was not in the system any more so I called real time because they sent something to the credit bureus saying its was mine but I do n't they were very nasty arguing with me I even stated I will get a lawyer but I know I paid them and I was just trying to get them to listening to me but they would n't
04/20/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	SC 29710	Web	Older American
In XXXX of XXXX we purchased a home in XXXX, Ohio. After we had lived there for about a year, we discovered that we had bought an " over-inflated '' home. Although it was over-inflated, we continued to make payments. The private owner that we were involved with processed a shady loan for us. During this time ; not only did our loan get sold three times but the payments increased nearly three times than when the lloan first originated. The broker did jail time when all the loans got investigated. This property has sold twice since XXXX. But yet there is a {$30000.00} loan balance that a loan company inTexas is reporting us " late '' every month on our credit file.
07/07/2015	No	Debt collection Payday loan	False statements or representation Indicated shouldn't respond to lawsuit	TX 79109	Web	Older American, Servicemember
I was way pass due on an account and I called Real TIme resolutions. After making payment arragements with them I asked that when would they report my payments to the Credit reporting agencies she said she would not that they did n't do that. I just made my first payment as agreed upon. Then checking my credit report It said I was late. I called Real Time resolutions and the woman said that it was reported late because I did n't make a payment since 2014.and that it would be correct ed when I made all my payment.Well I think there is something with this picture. They are either lying or giving false information. Someone should be checking on these companies.
12/12/2017	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was paid	FL 33713	Web
Real Time resolution has been fleecing my mortgage payment. I have over payed them by least $ {$600.00}. My 2nd mortgage payment should have been completed with XX/XX/XXXX pmt of {$240.00} this was made over the phone on XX/XX/XXXX. I show them pmt coming through my bank acct on XX/XX/XXXX. They have padded my account with multiple legal charges of which I have nothing do with. They should have sent me a letter showing that I have completely paid but instead I just received a letter showing that am 30 days past due. This is totally unacceptable and this company has very deceptive and fraudulent business model. Am asking your agency to intervene on my behalf
03/30/2016	Yes	Payday loan	Received a loan I didn't apply for	CA 92880	Web
My name is XXXX XXXX XXXX and I am disputing the accuracy of the information o my XXXX Credit Report. On XXXX/XXXX/XXXX, received a copy of my XXXX Credit Report. The dispute is with REAL TIME RESULTIONS # XXXX ( XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX ). I do n't recall opening an account with the aforementioned retailer. My Bankruptcy discharged XXXX/XXXX/XXXX. Placed for collections : XXXX/XXXX/XXXX Balance {$1900.00} Original Creditor : XXXX ( Retail ) Should you have any questions regarding this matter feel free to contact me at the contact information below. Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
02/20/2019	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	IL 60654	Web
Real Time Resolutions is reporting that I owe them for a 2nd mortgage that was released when the property in question went into foreclosure in XXXX. Their communication with my attorney was 'they 're looking into it. ' We have been attempting to get copies of any paperwork they have -- they have been looking into it since of XXXX. I am purchasing a home and have been delaying the purchase based on their erroneous reporting. Please assist in fixing ASAP. I need to provide a home for my kids. My credit is perfect outside of this company. Per my attorney -- it looks as if they've reported this without proof of paperwork. Please assist. Thank you
11/16/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	UT 84074	Web
Real Time Resolutions is reporting a debt on my credit file that is not mine. I recently pulled my credit and noticed this debt reporting on my file. They are trying to collect for a debt with XXXX XXXX XXXX. I have never had an account with XXXX XXXX XXXX and I have told them that. This account is fraudulent and belongs to someone else. This account is on my credit and needs to be removed THE DEBT IS NOT MINE! This is really affecting my credit and I shouldn't have to deal with taking care of someone else 's account. This debt needs to be removed from my credit file and I suggest you find the correct person this belongs to.
01/06/2017	Yes	Debt collection I do not know	Improper contact or sharing of info Talked to a third party about my debt	CA 902XX	Web
I have NEVER had ANY signed agreement, or contract with Realtime Resolutions Inc, do n't know who they are, and will NOT be paying ANY monies to them!!! These criminal XXXX are attempting extortion, and under Federal law extortion, and the F.C.R.A. is illegal! Until Realtime Resolutions Inc. can provide me XXXX XXXX XXXX XXXX with the original signed contract agreement with their company that they are erroneously attempting to extort from me, to include a itemized accounting detailing interest, and fees. I will need them to IMMEDIATELY remove the erroneous inaccurate negative credit reporting to ALL agencies, per the F.C.R.A.
10/26/2023	Yes	Debt collection Mortgage debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	CA 90710	Web
On XX/XX/XXXX I received a bill from A company named Real Time Resolutions. Real Time resolutions informed me that they bought this loan from XXXX XXXX. I took out a loan from XXXX XXXX in XXXX or XXXX. I havent heard anything from XXXX XXXX since XXXX, so I was under the impression that the loan was charged off. Upon speaking with Real Time Resolutions they said that they bought the loan from XXXX XXXX. Real Time Resolutions is saying that we have a outstanding principal of {$80000.00} and the total amount due is XXXX, they are also threatening to take my property. There is now a lien on my property and foreclosure activity.
03/17/2017	Yes	Credit reporting	Incorrect information on credit report Account status	CA 92507	Web	Servicemember
called XXXX they said the company shows included in BK and theres a XXXX balance BUT its still being reported as ( OPEN ) I said that is coming up as a Open Collection on my credit report when it was included in BK Ch XXXX and was discharged Ive wrote the creditor several times and called them they claim they do n't report on transunion but they do, they just put the BK in the ( comment ) area that a BK was filed it must be reported as closed once the bk was discharged, and there showing on my credit report all the negative, on the account which they ca n't do once discharged on BK Please help me with this creditor
06/16/2020	Yes	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt was paid	MI 488XX	Web
Dealing with Real Time Resolution has call again today XXXX and yesterday. They call claim I owe money for tuition to XXXX XXXX XXXX. The amount is about {$280.00}. I finished attending XXXX XX/XX/XXXX. I have finished paying my student loans through garnishment this XX/XX/XXXX, where it was also noticed I overpaid by {$2000.00} and reimbursed me. I have told them this and they continue to tell me they have no record. I have requested them to mail me the information, they have said they have, yet still haven't seen a letter. Since they don't seem eager to send me information I am feeling it's more a scam.
11/17/2023	Yes	Debt collection Mortgage debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	CA 91107	Web	Older American
Dear XXXX, I'm writing this letter to complaint Zombie second mortgage debt collectors come back to threaten foreclosure my house In 2008 I filed bankruptcy in L.A. and I believe my second mortgage ( XXXX ) have been written off or forgiven, the last payment I made to them was in 2008 since then the mortgage company gone silent or no communication for long time last week I received notice pf default and intend to foreclosure letter from debt collector said I need to pay {$150000.00} or foreclosure my house CFPB issued guidance to protect homeowners from zombie second mortgage please help me out and advise.
06/23/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	SC 29707	Web
REAL TIME RESOLUTIONS is civilly liable to I, the consumer, through the use of unfair, misleading, deceptive, and abusive debt collection practices for a debt not owed. These acts have caused substantial psychological harm to me and greatly inconvenienced my day-to-day affairs. Furthermore, they are in possession of my personal private information which they have openly refused to dispose of regardless of the fact they were never suppose to have my info in the first place. My right to privacy and sense of security has been severely breached and my trust in the system has been greatly impaired as a result.
08/21/2023	Yes	Mortgage Home equity loan or line of credit (HELOC)	Struggling to pay mortgage	CA 90706	Web
CFPB Case # : XXXX As per you response of above inquiry, If the consumer wishes for RTR to send him copies of this correspondence, he should email RTR and provide his consent to receive these documents electronically via email. At this time I will like to provide my consent to receive copies of all the notices and statements you have mail to me since XXXX XXXX till now via email address XXXX. Due to the size of attachment restrictions by the email provider, it is OK to send multiple emails. If this can not be done by email I will reserve my right to and ask that you provide copies of above by mail.
09/18/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	WY 830XX	Web
My home foreclosed in XXXX of 2010 with XXXX. XXXX had my ex partner and I sign a {$7200.00} promissory note. There were mistakes in it found after the foreclosure. They asked us to sign another promissory note. We declined. BofA never made any attempt to collect the debt for 4 years. My ex partner filed bankruptcy and the debt was not listed even though he double checked with XXXX to be sure. Last year, after four years of the debt not being pursued, XXXX sold the debt to Real Time Solutions, a debt collector. They have been trying to collect the debt from me. I do n't believe it is a valid debt.
06/06/2015	No	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	CA 947XX	Web
I recently received a letter dated XXXX XXXX, 2015 from " REAL TIME RESOLUTIONS, INC ''. The letter states I owe a debt of {$3200.00}. The letter states the creditor is XXXX XXXX XXXX. On XXXX XXXX, 2015 I sent a certified letter to REAL TIME RESOLUTIONS, INC informing them I have no loan agreements with XXXX XXXX XXXX and I do not have a loan debt in the amount of {$3200.00}. I requested any future contact regarding this matter be in writing. A XXXX search reveals both companies are supposedly owned by a man named XXXX XXXX XXXX. I have not had any direct business dealings with this person.
03/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	SC 29730	Web
On XXXX, I filed a complaint with the CFPB ( # XXXX ). The company did not fix my credit report or remove the full balance as stated in the claim. I thought they had removed everything. They changed their name from XXXX to Real-Time Resolution and added more derogatory information to my credit report. In the attached documents, you will find the original CFPB complaint. I included a section from my XXXX credit report. Page XXXX shows where Real-Time and XXXX are the same company. in the XXXX credit report, it shows that only Real-Time is on my credit report, but the information is inaccurate.
03/26/2020	Yes	Payday loan, title loan, or personal loan Personal line of credit	Incorrect information on your report Account status incorrect	TX 77584	Web
This is in response to the contract that Realtime resolution posted indicating the account was a revolving line of credit and that they coded it that way on the report. I have attached the contract they sent that actually show it was NOT A REVOLVING LINE OF CREDIT! Even had the person responding been accurate then the Advancement was already been completed therefore converting it into an installment loan and not a revolving line. It's not something you can pay and borrower again on either way. The contract actually states a non-revolving line of credit. I have highlighted the agreement terms.
03/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	SC 29730	Web
On XXXX, I filed a complaint with the CFPB ( # XXXX ). The company did not fix my credit report or remove the full balance as stated in the claim. I thought they had removed everything. They changed their name from XXXX to Real-Time Resolution and added more derogatory information to my credit report. In the attached documents, you will find the original CFPB complaint. I included a section from my XXXX credit report. Page 9 shows where Real-Time and XXXX are the same company. in the XXXX credit report, it shows that only Real-Time is on my credit report, but the information is inaccurate.
03/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	SC 29730	Web
On XXXX, I filed a complaint with the CFPB ( # XXXX ). The company did not fix my credit report or remove the full balance as stated in the claim. I thought they had removed everything. They changed their name from XXXX to Real-Time Resolution and added more derogatory information to my credit report. In the attached documents, you will find the original CFPB complaint. I included a section from my XXXX credit report. Page 9 shows where Real-Time and XXXX are the same company. in the XXXX credit report, it shows that only Real-Time is on my credit report, but the information is inaccurate.
02/15/2019	Yes	Debt collection Mortgage debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	CA 91320	Web
I would like to see the documents showing chain of title for this loan from XXXX to Real Time Resolutions. Real Time Resolutions reported it to XXXX in XX/XX/XXXX. When I disputed it, it was immediately removed.I am still investigating this loan that I havent heard anything on for many, many years until a strange phone call back in XX/XX/XXXX. A man from this company called and told me I owed {$27000.00} and if I gave him {$3000.00} in two days, I will be paid off. When XXXX took over my mortgage in XXXX, I was told by them, I no longer owe XXXX anything. I never received any bills either.
12/14/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 91739	Web
1.Loan paid paid in full to XXXX XXXX XXXX XX/XX/XXXX 2. Account placed in collections to Real Time Resolutions. 3. Real Time Resolutions submitted inaccurate information to XXXX, dispite the multiple submitted documentation that proved the account was paid was paid in full. 4. Multiple disputes with XXXX to investigate and remove account. 5. Account remains on my credit report dispite multiple submissions of Paid in Full records and disputes. 6. Multiple inaccuracies found including dollar amount loaned, payments, and loan account numbers. 7. Please review supported documentation.
08/25/2021	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	MD 212XX	Web
File bankruptcy several years ago and the bankruptcy has been discharged. The debt collectors are still mailing me letters stating that I owe {$75000.00}. An automatic stay specifically states that a creditor can not contact me to collect a debt after i filed bankruptcy. Continuing to try to collect after a bankruptcy has been discharged is illegal. And id like to start a lawsuit. I'm so tired of receiving yearly random treats from Real Time Resolutions, Dept XXXX, XXXX XXXX XXXX, XXXX PA XXXX. RTR File Number XXXX XXXX Other address listed : XXXX XXXX XXXX XXXX TX XXXX website XXXX
08/05/2018	Yes	Debt collection Mortgage debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 75052	Web	Servicemember
From the onset of Realtime Resolutions has provided false and inaccurate billing statements. Despite paying the agreed amount on time Realtime Resolutions continues to send me billing which reflects that I am behind on payments which actually I am not. This is more than frustrating as this is the third complaint filed to have an official audit of my account. Realtime Resolutions has committed fraudulent acts by sending correspondence which reflects payment up to date. But billing statements from the past four months that indicate that I am delinquent on payments which is false.
11/04/2015	No	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not disclosed as an attempt to collect	NY 10305	Web
Real Time Resolutions refuses to stop reporting to the Credit Agencies that it is a closed collection account. Every month they report a late payment on an open account, I have tried numerous times to stop this and they refuse. XXXX has even called them with me on the phone to confirm that it is a closed collection account and they then admit that it is a closed collection account. However Real time tells XXXX to send in writing to confirm its a closed account before they will stop. This happens every month. What can I do to stop this false reporting by Real Time Resolution.
06/15/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	CA 93313	Web
Real time resolutions sent me a letter by mail stating that I owed this alleged debt violating my rights under 15 usc 1692b ( 2 ) & 15 usc 1692c ( a ). Sent a cease and desist and continue to contact me after violating 15 use 1692c ( c ) has yet been able to validate the debt under 15 usc 1692g. Sent me photo copied contracts that I never seen before violating 15 usc 1692e. Continues to report this alleged debt on my credit report harming my reputation violating 15 usc 1692d ( 1 ). It is Fraud for a debt collector to furnish an unvalidated debt violation 15 usc 1692d ( 1 )
02/11/2016	No	Mortgage Home equity loan or line of credit	Loan modification,collection,foreclosure	CA 920XX	Web
Realtime Resolutions is reporting a loan that charged off back in XX/XX/XXXX as 120 days late as of XX/XX/XXXX. That is wrong. If it charged off in XX/XX/XXXX how can they continue to report me and my wife late in XX/XX/XXXX? XXXX has already deleted the item but, the other XXXX bureaus are showing invalid data that is destroying our credit scores. Please hold Realtime accountable to the FCRA and make them remove the lates after the account charged off XX/XX/XXXX. We have disputed the account via the credit bureau dispute process, 4 times and they still refuse to fix it.
02/11/2016	No	Mortgage Home equity loan or line of credit	Loan modification,collection,foreclosure	CA 920XX	Web
Realtime Resolutions is reporting a loan that charged off back in XX/XX/XXXX as 120 days late as of XX/XX/XXXX. That is wrong. If it charged off in XX/XX/XXXX how can they continue to report me and my wife late in XX/XX/XXXX? XXXX has already deleted the item but, the other XXXX bureaus are showing invalid data that is destroying our credit scores. Please hold Realtime accountable to the FCRA and make them remove the lates after the account charged off XX/XX/XXXX. We have disputed the account via the credit bureau dispute process, 4 times and they still refuse to fix it.
04/30/2020	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	NV 89139	Web
Real time resolutions has been contacting me for years, claiming I owe them {$65000.00} for a mortgage loan. I have notified them dozens of times to advise the they have the wrong person and that I dont owe this money. I am still receiving collection notices that I now owe {$100000.00}. Late fees, late payments. Etc. I would really like to get this settled in court or a means to stop receiving these harassment letters and phone calls. They are calling me and threatening me that I am going into foreclosure and just being really insulting. Please help. Thank you XXXX XXXX
02/03/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77657	Web
ORIGINAL LOAN was through XXXX XXXX XXXX when I was married to my former wife. I left the house to her. I never received any documentation that the home was being foreclosed on nor received any letter about a second mortgage. My account was later closed with XXXXXXXX XXXX XXXX and then REALTIME RESOLUTIONS took over the balance. My credit report still shows owing $ $ for both companies and although they are all labeled as closed, REALTIME RESOLUTIONS keeps adding money on what I supposedly owe. There is no date of last payment and both accounts are 11 years old.
01/12/2021	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	MD 21703	Web
My bankruptcy XXXX discharged on XX/XX/XXXX, one of the debt servicing company Real times resolution has been sending letter to collect the debt after discharging bk XXXX since XX/XX/XXXX to XX/XX/XXXX claiming to owe debt {$45000.00}. I have been trying to let the Real time resolution to know about the debt is uncollectable in bk XXXX and it is uncollectible in statue of jurisdiction over 3 years in md and never sign to reaffirmation of the debt. Unfortunately, the Real time resolution still claiming to owe the debt as of today, pls help, thank you!
01/02/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MO 64119	Web
Real Time Resolutions ( RTR ) violated FDCPA rules & regulations when they failed to send me a written notice including amount of debt, name of creditor, and notice of consumers right to dispute debt w/in 30 days ( see 15 USC1612 ) A ) what obligation do I have at all to RTR? I have never heard from them, have no written contract w/them and have never received any benefits from them, yet RTR has submitted negative information to credit reporting agencies against my name and social security # and is demanding payment from me in the amount of {$1000.00}.
03/06/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	TX 77584	Web
I received a copy of my credit report and noticed that Real Time Resolution XXXX is reporting as a revolving account and that is not correct. This was not a revolving line of credit this was set up as an installment loan. The problem with the mis-coding on my report is, it's making my credit utilization report incorrectly. I initially obtained the loan to pay off credit cards. The account was opened with one company then transferred to this company. There may have been some type of mistake inputting the loan with this company at the time of transfer.
04/23/2016	Yes	Debt collection Mortgage	Communication tactics Frequent or repeated calls	FL 32119	Web
After obtaining a copy of my credit report I have found that my second mortgage is still reporting. The house was foreclosed on and the bank took ownership of the property on XXXX/XXXX/2012. The collection agency that is currently reporting on this mortgage is REAL TIME Resolutions. Attached are all the documents that I have pertaining to the said house that was foreclosed on, including the last letter I received from the collection agency. I need to make sure that this situation is resolved and the reporting is stopped to my credit report.
11/27/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 95035	Web
A while ago someone opened a payday loan in my name. I have not opened any payday loan. I have tried contacting the credit bureau and I tried to contact the company, but they are not easy to get a hold of. It has been on my credit report and the company at one point told me over the phone they would remove it. It has not been done yet. Back when they say it was allegedly open we were under bankruptcy so we could not have take at a payday loan. the bankruptcy was Chapter XXXX and our lawyer told us we could not open a loan so we did not.
08/31/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	OH 443XX	Web	Servicemember
We purchased a home in XXXX 2006. We had one mortgage on the home, however, over the past 8yrs, we have been receiving calls from collection agencies stating that they were collecting for a second mortgage. The debt has been transferred to different collectors while we have been trying to sell this home without success. We were able to confirm with the first debt collector that this was n't a second mortgage, but then they sold the debt, and now we are back at square one. I was advised file a complaint to take a look into this situation.
12/18/2021	No	Debt collection Mortgage debt	Attempts to collect debt not owed Debt is not yours	CT 063XX	Web
Received a communication from Real Time Solutions for a debt that the system of litigations is expired on. Also, the debt was reassigned in a court agreement to another party and the debt origiinator failed to respond at the time the debt was settled in housing XXXXt. A cease and decsist letter regarding their communications was sent to them as well by return receipt certified mail also advising them of this and that continued efforts would be reported. They continue to send correspondence after this which is a violation of federal law.
01/07/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 95608	Web	Older American
I was discharged form a Chapter XXXX Bankruptcy on XX/XX/2018 ( Case # XXXX ). I have been receiving notices from a Collection Agency ( Real Time Solutions ) since the discharge requesting {$67000.00} in payment for delinquent mortgage payments to XXXX ( XXXX XXXX XXXX XXXX ). Although we were in a Chapter XXXX Bankruptcy we continued making mortgage payments to " XXXX XXXX XXXX '' not XXXX. I have been told that XXXX has placed a lien on my house which has adversely affected my credit. I want to resolve this conflict of information.
07/21/2016	Yes	Mortgage Home equity loan or line of credit	Settlement process and costs	CA XXXXX	Web
Real Time Resolution documents have multiple non corresponding dates to transaction history record. Real Time has not confirmed how lien remains on property with debt appearing to be paid based on transaction history I have requested copies of all draws on account by wire, check, cash advance or by credit card. Real Time documents are dated XXXX and signed by XXXX XXXX XXXX when transaction allegedly took place in XXXX or XXXX based on documents provided. By both parties Deceptive, misleading, inaccurate balance to name a few
09/14/2022	Yes	Debt collection Mortgage debt	Written notification about debt Didn't receive enough information to verify debt	NV 89509	Web	Older American
" In the Complaint, the consumer requests a printout of the chain of assignments from the XXXX system. Enclosed is the requested printout. '' This was the XXXX response I received. Thank you.. Dates covered in this print out is from XX/XX/XXXX through XX/XX/XXXX. Basically this time frame covers when XXXX was the servicer. XXXX became servicer on XX/XX/XXXX so I want assignments from this date onward. I would like print out of asssignments from XX/XX/XXXX through XX/XX/XXXX when XXXX has been the servicer. thank you
07/31/2019	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	CA 92126	Web
We are currently in escrow on a property and this lien holder is the 2nd deed of trust. The property has short sale approval from the 1st lien holder. If the escrow doesn't close then the property will be foreclosed on and the second lien holder will get nothing. We are requesting that they reduce the current settlement amount of {$25000.00} as the 1st lien holder will only pay {$6000.00} towards a second lien holder. The borrower is deceased so there will be no other way for this 2nd lien holder to recover money.
09/07/2023	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage Trying to communicate with the company to fix an issue with the application process	IL 60060	Web
sometime around XXXX they bought my 2nd mortgage from wells fargo they hold deed to my house - cant refinance or sell without them taking my home. XXXX XXXX was trying to foreclose on my home and I had to hire a lawyer to stop proceedings- they said they would refinance with new company so I had a new loan. Paid on it for years and then found out they had deed on my house- they dont show up on my credit report. they are just lurking in the background waiting for me to pay more on my house and then take it.
01/22/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	FL 33755	Web
There is an account reporting on my XXXX and XXXX that is past the statue of limitations yet this Realtime Resolution continues to report it as a collection account when it was charged off with XXXX over 7 years ago. They continuously report an aged account and that is against the FCRA! This is absolutely insane and they report the account as being past due of {$45000.00} and balance of {$130000.00} if the account is a charged off account then how could the balance be any different than the past due?
09/10/2020	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	WI 532XX	Web	Servicemember
Company continues to call from various spoofed numbers from a local area code. I have asked no less than 3 times for them to discontinue contacting me, as the information they are presenting is not for an account that I recognize ( provided wrong address, wrong personal information, etc ). The information they presented to me for verification also does not match my actual information, leading me to believe they are fraudulent individuals attempting to harass me into divulging my personal information.
05/02/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	NC 27613	Web
Real Time solutions continues to report a balance owed to them at XXXX, and XXXX XXXX based upon a 2nd mortgage that was foreclosed on back in 2006. According the Fair Credit Reporting Act, a creditor is only allowed to report inaccurate information on one 's credit report for a period of seven years. However, Real Time Solutions has purposely changed the dates of activity on this account to continue to report it. This is a direct violation of my rights, as outlined in the Fair Credit Reporting Act.
01/09/2016	No	Debt collection Mortgage	Cont'd attempts collect debt not owed Debt is not mine	NC 28216	Web
XX/XX/XXXX To Whom It May Concern : In XX/XX/XXXX, I obtain an XXXX mortgage loan with XXXX, secured by XXXX. My loan was then sold to XXXX XXXX XXXX. I lost my job in XX/XX/XXXX due to the economic recession and was forced to do cash for keys in XX/XX/XXXX, returning my home back to XXXX. XXXX XXXX XXXX has sold my loan to a collection agency, Real Time Resolutions to collect on the home equity portion of my loan, which was also secured by XXXX. They continue to call me weekly asking for payment.
09/12/2023	Yes	Mortgage Home equity loan or line of credit (HELOC)	Struggling to pay mortgage Foreclosure	CA 90706	Web
As per RTR 's response of CFPB Complain # XXXX on XX/XX/2023, RTR will be emailing nearly 100 letters to theconsumer later today.As of today XX/XX/2023 RTR has once again fail to provide documents requested and promised by RTR. RTRs failure to produce documents request is a clear violation of 12 C.F.R. 1026.41, violation of California 's Unfair Competition Law ( UCL ) ; violation of Cal. Civ. Code 2923.55 ; and violation of California 's Rosenthal Fair Debt Collection Practices Act ( RFDCPA ).
08/26/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	VA 22202	Web	Servicemember
Company name is Real Time Resolutions. I paid this account through a settlement in XXXX of 2020. The account shows as closed but still reports as delinquent and the account missed payments will not age due to the way Real Time is reporting this as delinquent. I have reached out to them several times and filed at least 3 disputes. They have sent a letter to me which I will attach, however they still have not removed the delinquent status from my account. Please let me know if you can assist.
04/01/2016	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt resulted from identity theft	CA 90247	Web	Older American, Servicemember
Real Time Collection Agency were calling me last year about this debt which I was sick last year with XXXX XXXX and never made a payday loan with XXXX, so they were calling me everyday stating that they were going to go to my place of employment and serve me court papers if I do n't call them, and also calling my husband threating him because they never could talk to me, due to me having XXXX, so RS, put this on my credit report, and I have disputed this with XXXX, but it is stil on my report
08/20/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	WI 53208	Web
I have a loan with REAL TIME RS ( Original Creditor : XXXX XXXX XXXX XXXX ), XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ), and XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, REAL TIME RS ( Original Creditor : XXXX XXXX XXXX XXXX ), XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ), and XXXX XXXX with no successful resolution. There was definitely an error on their part.
03/06/2019	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	CA 95757	Web	Older American
In the Year 2009 XXXX first I lost my home to foreclosure and the fist mortgage was settled and home was sold. XXXX XXXX forgave the balance of the loan How ever there was a 2nd mortgage and as of XX/XX/2009 there was never a payment on the XXXX. Now ten years later I get a bill ( Inclosed ) from Real time solution in XXXX Texas, XXXX. XXXX XXXXXXXX XXXX Texas, XXXX.I sent them a letter ( in closed ) informing them of the Statue of Limitations has passed but they say no! Thanks XXXX XXXX
07/05/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	TX 75104	Web
The second mortgage on my foreclosed home was transferred from XXXX to Realtime Resolutions in XX/XX/XXXX. The last payment on this mortgage was made XX/XX/XXXX and was charged off by XXXX. However, Realtime Resolutions is showing a new 90 days late payment in XX/XX/XXXX on my XXXX credit report. I should not show a new late payment just because the balance was transferred to a new servicer. I have disputed this error directly with Realtime and XXXX and have received no resolution.
10/25/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	CA 92008	Web	Older American
In XX/XX/XXXX we did a short sale of our home, located in California. The second mortgage was transferred to a collection agency, XXXX. In XX/XX/XXXX the debt collection agency XXXX was informed that under California law and attempt to collect the deficiency is not permitted. In addition as set forth in section XXXX, no such debt is even owed. This debt is reported on my credit report for at least 4 years, this illegal attempt to collect this deficiency has damaged my credit rating.
05/09/2016	Yes	Debt collection Mortgage	Disclosure verification of debt Not given enough info to verify debt	FL 34786	Web
In XX/XX/XXXX I completed a short sale on a property and signed a promissory note. Pursuant to the note I signed I began paying on the debt to XXXX XXXX. XX/XX/XXXX, Real Time Resolutions attempted to collect on the same debt however I advised I was previously paying on the debt. They subsequently reported me to the credit bureau for a debt I was already paying on. I have filed with the credit bureaus and submitted supported documentation without a satisfactory resolution.
03/27/2019	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	WI 548XX	Web
I have filled a FTC IDENITY THEFT report. I called Real Time Resolution and gave them my reference number for the idenity theft report. I felt by the way I was treated over the phone they really were not worried about this being a fraudulent account and more interested in collecting money.. I asked for the account to be deleted from credit bureaus and the conversation still seemed focused on me paying them.. I am a victim of identity theft and they refuse to acknowledge it.
05/30/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NC 28278	Web
This company which I hold no contact with nor have received services from reporting a collection account against my SSN in the account of {$1000.00} with XXXX and XXXX credit reporting agencies. I requested verification of the debt and account however the business failed to provide adequate proof. Considering this business does a contract with me for goods or services they have provide not have they provided adequate proof I am not obligated to pay for the alleged debit.
05/16/2023	Yes	Mortgage Other type of mortgage	Trouble during payment process	NY 10472	Web
I mailed a qualified written request ( " QWR '' ) to Real Time Resolutions , Inc. ( " RTR '' ) on XX/XX/2023. In that QWR, I requested : ( 1 ) a copy of my note; ( 2 ) a copy of any modification agreements from origination to present ; and ( 3 ) a payment history from origination to present. That QWR was delivered to RTR on XX/XX/2023. On XX/XX/2023, RTR acknowledged this request. However, to date, I have not received the requested documents and information from RTR.
09/04/2022	Yes	Debt collection Mortgage debt	Written notification about debt Didn't receive enough information to verify debt	NV 89509	Web	Older American
This is continuation of the pending complaint. just to clarify information in addition to what what I submitted in the complaint. 1. XXXX informed me that servicer can provide me the print out of chain of assignments on this HELOC from XX/XX/2012 onwards in the XXXX system. My record shoiws that several creditors changed hands from XXXX. 2. Also certified copies of all endorsements of the HELOC Note each time HELOC was sold from one creditor to another from XXXX.
02/21/2020	Yes	Payday loan, title loan, or personal loan Title loan	Vehicle was repossessed or sold the vehicle	CA XXXXX	Web
This was originally repossessed in XX/XX/2013 it's showing up under a new collector, not the original one extending the time now for another 7 years until it comes off my report. I would have never gotten a title loan if I had understood that the interest was so high I could never afford the payments on my truck. I paid cash {$17000.00} just four years earlier and owned it in the free and clear I just needed extra cash because my son got into a life and death issue.
06/22/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 92128	Web
Real Time Resolutions charged off my second mortgage in XX/XX/XXXX and then continue to report 150 day lates in XX/XX/XXXX. From the date they charged off the account from their books they can't report lates beyond that date. I am retaining an attorney and they advised I submit a complaint to the CFPB prior to us taking legal action so they have the opportunity to correct the illegal reporting prior to litigation. See the snapshot of my credit report that I attached.
01/15/2016	No	Mortgage Home equity loan or line of credit	Loan servicing, payments, escrow account	OH 45431	Web	Older American
I have a heloc mortgage serviced by Real Time Resolutions and i prefer to make my payments online.But since this loan was discharged in my bankruptcy they will not allow me to pay my payments on their website.SO each month i call them and have to pay a XXXX $ fee to use XXXX to make my payment on the phone.Recently XXXX made a settlement where they are returning these types of payment fees to their customers.My question is why is Real Time allowed to charge this fee.
07/28/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 94801	Web
The dept is past the statue of limitations. The Collection Agency Real-Time Collections and the original creditor XXXX XXXX XXXX has the incorrect date of delinquent and payment default. I 've contacted all parties ( in writing ) in XXXX and XXXX.. most recently on XXXX including the Credit Bureaus XXXX and XXXX with the correct date of payment default which is XXXX. No one will acknowledge or provide me with proof, just keeps stating the dates on file are correct.
03/17/2023	Yes	Mortgage Home equity loan or line of credit (HELOC)	Trouble during payment process	FL 33133	Web	Older American
back in XXXX I went to default my 2 loans, XXXX I did loan modification on my first loan. the loan officer of XXXX XXXX XXXXXXXX told me that second loan was forgiven, closet, cancel., now after 12 years in XX/XX/XXXX i got serve a complaint that owe. {$100000.00} I have never in 12 years received nothing from banks or real time resolutions inc. that I had a loan to pay! they have violated the law ( fair debt collect practices act. ) I need help!
02/07/2019	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	AL 352XX	Web
This company continues to call but never lists any information beyond " an attempt to collect a debt ''. I do not wish to call and give my personal information as this may be a scam. I recently received a call from someone named " XXXX XXXX '' who will be attempting to " serve '' me papers at both my home and work address. My concern is no correspondences have been mailed to any physical address but now I am being threatened with court documents.
05/13/2016	Yes	Debt collection Mortgage	False statements or representation Impersonated an attorney or official	TX 77429	Web
Collection agency is reporting to the credit bureaus as an open mortgage account. This is not an open mortgage account, they purchased a XXXX lien on a foreclosed property over 7 years ago. They are a collection agency and should be reporting as a collection not as an open mortgage account. Also date of last activity with original creditor is well over 7 years. Tried to dispute through the credit bureaus but they still will not fix the problem.
01/14/2016	No	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	WA 98391	Web
I 've been getting repeated attempts to contact me on my business line ( from an automated dialer ). I 've called back twice, once I left a message and a second time I talked to a live person that verified the debt is not mine. Still they contact my number looking for someone I do n't know. The calls started on XXXX and have gotten a call on these days since : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. I spoke to them on XXXX and it has n't stopped.
10/19/2021	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	OH 44128	Web
I have been harassed by this company they have called repeated time and sent repeated things in the mail. On XX/XX/2021 at XXXX XXXX and XX/XX/2021 at XXXX I got a phone call from Real Time Resolution. The representative was stating that they are collecting an alleged debt. I never heard of this company. I have been sent multiple items in the mail from this company and I feel harassed. The letters they keep sending are false and misleading.
08/17/2015	No	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt is not mine	CA 91101	Web
Debt Collection AgencyReal Time XXXX has constantly harassed for debt that is not mine. My ex-husband has full access to my social security number, driver 's license, bank accounts, and other financial data. I did NOT authorize this debt. Please provided hard copies of documentation from loan initiation including my physical hand signature and date. I would like this debt removed from my file because I did not authorize these charges.
10/22/2015	No	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	NV 89122	Web
A credit report was requested and Real Time Resolutions was reporting an account opened and currently past due. I requested several things directly from Real Time after disputing with the bureaus and this was not resolved. I am sending a copy of the letter that was sent to them along with their response. What was requested was not a print screen but complete information. Their response is unacceptable as I 'm sure anyone would agree.
08/08/2022	Yes	Debt collection Mortgage debt	Written notification about debt Didn't receive enough information to verify debt	NV 89509	Web	Older American
I have an ongoing XXXX enquiry with this company which I suppose they are working on it. I missed asking to verify XXXX more thing in my last enquiry so please add this one. I would like to know ACCRUED LATE FEES amount on XX/XX/2012 or XX/XX/2012 the day when XXXX accepting servicing the debt from XXXX XXXX XXXX. I donot have this amount in my files. I have accrued interest amount in my files but not accrued late fees. thanks
04/09/2018	Yes	Debt collection Mortgage debt	Communication tactics Used obscene, profane, or other abusive language	AZ 85249	Web
Real time solutions is sending letters to my home with my ex wives name on them. This is upsetting myself & my current wife of 8 years and not wanting to explain to our children the names on this mail. My ex and I had a very messy divorce and real time solutions is aggravating my emotional state. I had to spend many years recovering from that emotional nightmare and these letters are now bringing major emotional stress to my life.
09/21/2021	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	FL 33024	Web	Older American, Servicemember
I got a loan modification with a new balance of {$180000.00} XXXX. I have a mortgage statement showing balance is {$160000.00} for one loan and {$0.00} balance for the other loan XXXX. Both loans have same initiation and maturity dates. Only one loan shows {$160000.00} balance due on credit reports yet servicer Real Time Resolution still sends collection letters for the {$0.00} balance loan not on any credit reporting agency.
05/12/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TX 75052	Web	Servicemember
Despite contacting the company regarding this issue I am making the appropriate monthly payments but the monthly billing statements continue to be incorrect. In the past two months now including XX/XX/2018 my monthly statement does not properly reflect any of the two prior payments and is grossly incorrect. The statement appears to indicate that I am either late or delinquent on past payments in which I am not.
05/21/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	FL 337XX	Web
5 years ago I took out a personal loan and my vehicle was used as collateral for the loan. A Lien was placed on the title. I paid off the loan XX/XX/2019 and the Real Time Solutions still has not released the lien on my vehicle. I have contacted them several times and get the run around, with the last contact being today. I am trying to get them to release the lien they placed and they avoid doing it.
10/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NY 11001	Web
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The XXXX and XXXX Credit Bureaus are reporting inaccurate information on REAL TIME RESOLUTIONS ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
09/26/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	MO 63366	Web	Servicemember
I filed bankruptcy and included REAL TIME RESOLUTIONS with that and they keep reporting on XXXX XXXX AND XXXX I've given them ample proof and time and they keep reporting causing my score to go down every time. I've had it with all XXXX of these bureaus. Not to mention they have XXXX of my mom 's credit cards on my credit and refuse to take them off. Please help me get them to do the right thing.
11/02/2016	Yes	Debt collection Credit card	Taking/threatening an illegal action Threatened to sue on too old debt	OR 97303	Web
I have received multiple phone calls and one letter from Real Time Resolutions attempting to collect an old credit card debt from approximately 14 years ago. The statute of limitations in the state of Oregon is ten years. They continue to run my credit score affecting it. Despite a few attempts to explain to them that they are in violation of Oregon law they persist in their illegal harassment.
10/03/2022	Yes	Debt collection Mortgage debt	Written notification about debt Didn't receive enough information to verify debt	NV 89509	Web	Older American
Thank you for providing a copy of all the communication from XXXX until charge off date. I observed that XXXX provided creditor information on some letters and not on other letters. I would request that on all communication which didnot have creditor information, XXXX reveiew its record once again and provide the name of the creditor on the date that communication was sent to me.
08/05/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	CA 90631	Web
I filed for bankruptcy in XX/XX/XXXX and was discharged in XX/XX/XXXX. Yet today Real Time Resolutions wrote me about collecting a debt on my house. The house address is XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. The original account number ( on the Real Time invoice ) is XXXX. It is illegal for them to contact me since this house was surrendered as part of bankruptcy in XX/XX/XXXX.
02/07/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TX 75052	Web	Servicemember
This complaint is regarding Real Time Resolutions , Inc. located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX. This company is providing inaccurate and deceptive billing statements. Statements provided do not reflect previous months payment. Furthermore, the current payment is inaccurate as well. Request CFPB investigate the deceptive billing practices of Real Time Solutions.
11/01/2016	Yes	Debt collection Mortgage	Cont'd attempts collect debt not owed Debt is not mine	DC 20001	Web
Real Time Resolutions has been repeatedly calling my about a debt which they have incorrectly attributed to me. I have attempted to have this rectified but the company refuses to inform me of what they need to remove this from my record or to stop calling and mailing me about this individuals debt. The person they are looking for has a name similar to mine, but is not me.
11/13/2015	No	Mortgage Home equity loan or line of credit	Loan modification,collection,foreclosure	CA 94513	Web
Real Time Resolutions sends a request to all Credit Bureau agencies to update my tradeline and show status as 'included in bankruptcy ' and ERASE the 90day delinquent status on my and my husband 's credit report. However, this only lasts for XXXX cycle and I am forced to make repeated phone calls and letters to get them to correct the status time and time again.
11/04/2015	No	Mortgage Other mortgage	Loan modification,collection,foreclosure	WA 98409	Web
On XXXX XXXX 2015 a short sale file XXXX lien holder ( Real Time Resolutions ) submitted the file to the investor ( was told XXXX XXXX XXXX ) for possible approval of the short sale. Since then we have been waiting for their answer. We have been waiting over 2 months. In eight years of negotiating short sales I have never seen an answer take this long.
04/08/2015	No	Debt collection Mortgage	Communication tactics Frequent or repeated calls	OH 44691	Web
They have a " Call Blaster. '' On XXXX/XXXX/15 they called me XXXX times between the MINUTES of XXXX and XXXX. I was speaking to the medicaid office in Ohio and it disconnected me and because of the repeated calls, I could not get back on my call. This is not the only instance of this happening. It has happened several times over the past few months.
02/24/2017	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	TX 751XX	Web
Real Time Solutions reported on our credit that we were in default of a loan from XXXX 2012 in the amount of {$45000.00}. We have never done business with this company ; we have never received any type of correspondence nor have they ever tried to contact us. This is an erroneous report on our credit from a company we have never even heard about.
11/14/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	TX 75219	Web
There is an account reporting with RealTime resolution that I have been requesting payment history and proof this account is even mine. I sent them a certified letter that they received some time ago and the only thing they sent me was a letter stating they are researching the account and that was back on XX/XX/2016 no other information received.
12/18/2016	Yes	Mortgage Home equity loan or line of credit	Loan servicing, payments, escrow account	GA 31406	Web
Company sent another inaccurate monthly statement along with an increase in the monthly payment with no explanation. Due date is inaccurate as well and is made to look like Im behind on the payments. In reading the submitted document from top to bottom none of the figures make any sense. Including the increase. please refer to case number XXXX
09/10/2015	No	Mortgage Other mortgage	Loan servicing, payments, escrow account	WA 990XX	Web	Servicemember
Real Time Resolutions is showing a debt on my credit report for a property that was foreclosed on in 2010. I spoke with a lawyer yesterday and they said that the statute of limitations in the state of South Carolina is three years and this debt collector no longer should be affecting my credit score. They should also not be seeking payment.
05/20/2015	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA XXXXX	Web
This was an old debt that I thought was discharged. I am currently behind in my first mortgage and trying to solve this problem. I called and offered to settle this debt for {$3000.00} and they said minimum was {$6600.00}. I said ok and now they say they want {$86000.00}. I do n't want home to go to foreclosure or me having to file BK.
11/02/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	TX 76039	Web
I had a joint Mortgage and got divorce The balance due on the mortgage secured by the land and building given the ex wife this is the " court order '' This happens XX/XX/2009. Now shows on the XXXX and experience credit report shows XXXX days let payment. This account belong to my ex wife. has to be remove negative item.
09/12/2017	Yes	Mortgage Home equity loan or line of credit (HELOC)	Incorrect information on your report Old information reappears or never goes away	WA XXXXX	Web
I had a property that was foreclosed on in 2008. Real Time Resolutions bought this debt after it transferred between 2-3 different servicing companies and have re-aged the debt well beyond the statute of limitations, and have no documentation according to the law to be able to collect on this debt, report it, etc ...
05/27/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TX 75052	Web	Servicemember
Real Time Resolutions continues to send me incorrect monthly billing statement. This has occurred for the last 3 months. Each time I have contacted the company regarding my account is always reflected in a past due state which is fraudulently incorrect. I am requesting assistance in getting this matter corrected.
03/24/2017	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	CA 91792	Web
Unknown derogatory account has appeared on my credit report by Real Time Resolutions. I have not received any information in regards to validation of this debt. I contacted them and was told I would receive a letter in the mail within 30 days in regards to the claim. I have not received anything 2 years later.
09/04/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MI 480XX	Web
I keep receiving calls from various XXXX area codes numbers asking me to call Real Time Resolutions at XXXX, a debt collector. Since I do not have any accounts or bills that are delinquent, no debt collector should be calling me. I have asked them to remove my number and to stop calling me but they will not.
01/31/2018	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TN 37086	Web	Servicemember
I paid this bill back in 2014 with original company. I do know who this Real Time Solution company is and they have called my phone from different numbers saying horrifying things to me. Their claiming I owe them {$2600.00}. I asked for validation and I have not received anything from them. Please help me.
03/27/2022	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	CA 94560	Web	Older American
I filed for bankruptcy in 2014 paid a pro tango amount of {$8200.00}. For the past years I have been paying Real Time Resolutions {$310.00} and I recently checked my credit report and that account has been closed. I don't know what to do or what are the next steps on trying to figure out what's going on.
03/29/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Indicated shouldn't respond to lawsuit	CA 923XX	Web
Bankruptcy Case No : XXXX CALIFORNIA. Real Time Resolutions ( RTR ) filed fraudulent mortgage loan documents with no dates, under penalty of perjury in their untruthful claim # 1 then tried to cover it up with all kinds of moot court cases. That has nothing to do with the fraud they are trying to commit.
12/23/2015	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	CA 95841	Web
Real Time Resolutions XXXX I do not understand why this account is reporting XXXX on mine and my husband 's credit file. There is also a late payment on XXXX that is being reported that is not accurate. Please update and correct my credit file immediately or delete these accounts of our credit files!
08/16/2018	Yes	Debt collection I do not know	False statements or representation Indicated you were committing crime by not paying debt	CA 94303	Web
Account name REAL TIME RESOLUTIONS IN Account number XXXX Recent balance {$3000.00} as of XX/XX/2018- has been harassing with false statements and threats. This account is in violation of F.C.R.A. nad real time solutions has violated F.D.C.P.A. on several counts. please stop this illegal operation
02/21/2017	Yes	Mortgage Home equity loan or line of credit	Loan servicing, payments, escrow account	NJ 08742	Web
Realtime Solutions is reporting the following late payments on my credit report. 120 days past due as of XXXX XXXX until XXXX XXXX and 180 days past due as of XXXX XXXX until XXXX XXXX. This is not accurate and is damaging my credit. I have disputed this before but my disputes were ignored.
09/23/2022	Yes	Debt collection Mortgage debt	Written notification about debt Didn't receive enough information to verify debt	NV 89509	Web	Older American
Cross referencing of information between the servicer communications and XXXX assignment list donot match. Customer therefore will like to get a copy of all ACCOUNT STATEMENTS and SETTLEMENT OPTIONS OFFERS made starting from XX/XX/XXXX until the loan charge off date of XX/XX/XXXX. thank you.
02/23/2017	Yes	Debt collection Payday loan	Communication tactics Frequent or repeated calls	CA 960XX	Web
Have called Family members telling them that there are going to file a compliant against XXXX XXXX unless they get in contact with him. When tried to call goes to full mailbox. Told not to call when contacted thru multiple numbers continue to threaten!!! This is Real time collections
09/07/2016	Yes	Mortgage Home equity loan or line of credit	Loan servicing, payments, escrow account	FL 33126	Web
I received a letter from Real Time Solutions charging me an amount of XXXX and I really do n't know what is it. I had a second mortgage, but as far as I know, it was eliminated in the bankruptcy process in which I was involved. Is a letter charging and explain nothing about this.
03/28/2019	Yes	Debt collection Mortgage debt	Written notification about debt Didn't receive enough information to verify debt	FL 33755	Web
Again this Real Time Resolution has sent nothing other than a generic letter. They responded to your company saying it will be removed soon but nothing explaining when and this is past the statue of limitation. They are giving me the runaround. This is complete XXXX
09/17/2019	Yes	Debt collection Private student loan debt	Written notification about debt Didn't receive enough information to verify debt	CO 812XX	Web	Servicemember
Real Time Resolutions is there name. I emailed them twice 2 send me letter of dept validation over 10 days ago and still no letter was sent out. Went to the web site they told me to go to but my info was not in there and it was coming up blank in most sections.
03/22/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	DE 198XX	Web
The account is closed/charged off. This collection agency continues to make harassing calls and leaving threatening messages at my workplace and to my elderly parent at home. Also, the collection agency has been advised in writing, to contact me by mail only.
03/13/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	SC 29617	Web
They sent a collection letter pertaining information from I do not know where and trying to use to coerce a payment which is against federal law. This is identity theft If I have no business with this company then should not be contacting through any medium.
02/09/2016	No	Mortgage Home equity loan or line of credit	Loan servicing, payments, escrow account	FL 33579	Web
Realtime Resolutions is reporting a Duplicate Loan From XXXX XXXX XXXX. I have contacted and filed a complaint against XXXX XXXX XXXX for the same loan. My records indicate that my last payment was over 7 years however they are still reporting this account.
02/08/2017	Yes	Credit reporting	Incorrect information on credit report Account terms	TX 75093	Web
I have recently pulled my credit report and located an account showing a mortgage account called Real Time Resolutions. I recently contacted them and they are a collection agency, not a mortgage company. They are incorrectly reporting on my credit report
01/13/2016	No	Debt collection Payday loan	Disclosure verification of debt Not given enough info to verify debt	CA 92127	Web
Collection agency is listing a XXXX payday loan for over {$3000.00} on my credit report as of XXXX. This agency has never attempted to contact me in any way. The last payday loan I received was in XXXX for the California state maximum of {$300.00}
08/31/2016	Yes	Debt collection Payday loan	Disclosure verification of debt Not given enough info to verify debt	CA 94531	Web
Found out ex-roommate obtained a loan using my information thus I am liable. However Upon filing a complaint with XXXX the company attached documentation of amount owed and would never change but is reflecting XXXX as much owed on my credit report.
10/01/2016	Yes	Debt collection Mortgage	Taking/threatening an illegal action Threatened to sue on too old debt	FL 33950	Web
Also violating FDCPA by reporting a closed account as " open '' thereby negatively impacting my credit score. Firm refuses to remove inaccurate offending data reporting from my credit file after repeated communications form me demanding same.
10/07/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	WI 53172	Web
I have asked real time solutions several times to remove an account on my credit report that is showing open. This should be closed as it was after my bankruptcy discharge. This has affected my credit score and lending applications greatly.
04/09/2015	Yes	Mortgage VA mortgage	Application, originator, mortgage broker	FL 33012	Web	Servicemember
On my husbands credit, it continues to show late payments for months now on a property that was foreclosed in 2009. The company is Real Time Solutions. We are not able to move forward to buy a property because of the damage this has caused.
11/10/2021	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	MS 39212	Web	Servicemember
I was told that I owed the amount of over {$15000.00} on a debt that was discharged from XXXX bankruptcy chapter XXXX Real Time Payment Solutions is continuing to want payment even though the debt was discharged in bankruptcy from XXXX.
10/19/2016	Yes	Debt collection Credit card	Communication tactics Frequent or repeated calls	MO 63136	Web	Older American
I was online trying to pay my bill, a telephone number pops up on the page and blocked me from paying my bill. I waited, about a week or 2, then I received a letter stating it was an account collection. I have no delinquent accounts.
09/25/2023	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	PA 19120	Web
I want to nwcs to try to get this off my credit report a few years ago with no success, the company name is Real Time resolutions Inc it has been like 15 years I want this remove from my credit report. The amount is for XXXX
05/05/2015	Yes	Debt collection Mortgage	Cont'd attempts collect debt not owed Debt was paid	AR 72501	Web
Debt went through foreclosure. Debt is more than 7 years old. Instead of company removing from my credit report. Company keeps selling debt to " other '' companies and putting it back on my credit report as a new debt.
02/13/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	SC 29223	Web
Received a letter all of a sudden with a settlement offer, after disputing information on credit report requesting debt validation. It has been over 30 days and company has not responded with validation of debt ...
06/02/2021	Yes	Mortgage Home equity loan or line of credit (HELOC)	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	SC 29229	Web	Servicemember
The status of the account is incorrect. The status should say Transferred/Sold to another lender. Mortgage lenders believe this is a foreclosure and we are still in possession of our home. Its Real Time Solutions
09/28/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NV XXXXX	Web
Real Time Resolutions purchased a debt from XXXX XXXX XXXX and re-aged the debt. I fell behind in XXXX with XXXX XXXX XXXX and Real Time Resolutions purchased it in XXXX and that is the date they are reporting.
02/19/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NM XXXXX	Web
I received this lette from real time acquisitions LLC, real time resolutions stating I owe {$530.00} and I 'm not certain of where this loan comes from I tried contacting them and no results their number is XXXX
08/09/2016	Yes	Payday loan	Charged fees or interest I didn't expect	CA 90045	Web
This company is guilty of predatory lending and charge illegal interest rates. I was advised by the original company that this collection agency was not handling their loans, it was fraud and to not pay them.
11/02/2015	No	Mortgage Home equity loan or line of credit	Loan modification,collection,foreclosure	CA XXXXX	Web
Real Time Resolutions offered a settlement of {$10000.00} on a second mortgage and now they are backing down from their original offer. This home is in foreclosure and they are forcing me into bankruptcy.
08/11/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	FL 33334	Web
collection agency has tried to make attempts collecting a debt that was settled directly with the vendor months ago. They have contacted family members as well attempting to collect a debt that is paid.
04/08/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	NJ 07017	Web
The account was settled with this company. I have obtained those records, but they are insisting that I am still responsible for the amount. They have refused to take the item off my credit history.
02/20/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	UT 84404	Web
Real Time Resolutions # XXXX is reporting an account to my credit that is not mine. I have a mixed file and this account does not belong to me and needs to be removed off of my credit report.
05/11/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	OH 454XX	Web	Servicemember
I have told Real Time Resolution that I do not owe the debt due to ID theft and and I sent documentation to XXXX am XXXX and to XXXX. They have refuse to be non biase in this situation
10/03/2020	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	NV 89139	Web
I dont know anything about the mortgage and Real Time Resolutions is claiming I owe a debt. I dont owe this debt or have any recollection of this loan. Thank you XXXX XXXX XXXX
12/04/2017	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt is not yours	CA 92139	Web
Debt appears on credit report. States that it is a mortgage loan for one month. Not my mortgage loan. Nobody takes out a mortgage loan for one month and for XXXX.
07/31/2018	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was paid	CA 91913	Web	Servicemember
Debt was settle and I requested the account to be deleted from the credit bureau. I disputed through XXXX and the company refused to delete the account.
12/14/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	CA XXXXX	Web
Real Time Solutions shows an account in collections that is beyond the SOL for the state of CA. Attempted to get debt removed-CRA 's have not done so.
01/24/2017	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	OH 43082	Web
Real Time Resolutions Inc. [ RTR ] collected mortgage payments from me illegally after XXXX XXXX XXXX closed ( wrote off ) my mortgage.
04/22/2021	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	GA 31419	Web
My identity has been compromised by somebody I do not know. Please feel free to contact me if you have any questions or concerns.
04/17/2018	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	CA 90301	Web
XX/XX/2015 / XXXX / put this on credit as a collection. No contact with Real Time Solutions. I disputed this 30 day 's ago.
10/30/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OH 438XX	Web
Call 20 times a day, I have told them they have the wrong number, I do not owe them money. Have asked not to call back.
02/26/2016	No	Mortgage Other mortgage	Loan servicing, payments, escrow account	CA XXXXX	Web
REAL TIME RESOLUTIONS IS CONTACTING ME ABOUT AN {$84000.00} BILL FOR A PROPERTY I DO NOT OWE
06/21/2016	Yes	Debt collection Mortgage	Taking/threatening an illegal action Threatened to sue on too old debt	NY 11233	Web
Debt is uncollected-Expired statute of limitations.
06/13/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 92509	Web	Servicemember
I cant determine who the debt is allegedly owed to
01/13/2021	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	CA 92154	Web
Interest was too high for 1st mortgage
08/24/2015	No	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	UT 846XX	Web
Someone obtained a loan using my SS #
04/28/2019	Yes	Debt collection Mortgage debt	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	NV XXXXX	Web
I don't owe this debt.
01/28/2024	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 95212	Web

01/22/2024	No	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 773XX	Web

01/19/2024	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage Foreclosure	MA 01056	Web	Older American

01/18/2024	Yes	Debt collection Mortgage debt	Written notification about debt Didn't receive enough information to verify debt	PA 19064	Web

01/08/2024	Yes	Debt collection Mortgage debt	False statements or representation Attempted to collect wrong amount	CA 90042	Web	Older American

01/03/2024	No	Mortgage Conventional home mortgage	Problem with a company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	NC 27107	Web	Older American

12/20/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 773XX	Web

12/19/2023	Yes	Debt collection Mortgage debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	NY 10550	Web

12/15/2023	Yes	Mortgage Home equity loan or line of credit (HELOC)	Struggling to pay mortgage Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure	FL 33025	Phone

12/07/2023	Yes	Mortgage Home equity loan or line of credit (HELOC)	Struggling to pay mortgage Foreclosure	VA 20110	Web

12/05/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 27909	Web	Servicemember

12/05/2023	Yes	Mortgage Home equity loan or line of credit (HELOC)	Struggling to pay mortgage An existing modification, forbearance plan, short sale, or other loss mitigation relief	NJ 07103	Phone	Older American

11/20/2023	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	FL 33776	Web

11/13/2023	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	FL 33776	Web

11/10/2023	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was paid	TX 76112	Web	Older American

10/11/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process Trying to communicate with the company to fix an issue while managing or servicing your loan	CA 94585	Web

09/15/2023	Yes	Mortgage Home equity loan or line of credit (HELOC)	Trouble during payment process Paying off the loan	TX 75068	Phone

08/25/2023	Yes	Mortgage Home equity loan or line of credit (HELOC)	Trouble during payment process Loan sold or transferred to another company	CA 92336	Phone	Older American

08/25/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 45822	Web

08/14/2023	Yes	Mortgage Home equity loan or line of credit (HELOC)	Struggling to pay mortgage	NY 11552	Web

08/03/2023	Yes	Mortgage Home equity loan or line of credit (HELOC)	Trouble during payment process	KY 40241	Web

08/03/2023	Yes	Mortgage Home equity loan or line of credit (HELOC)	Trouble during payment process	KY 40241	Web

07/26/2023	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	NJ 07040	Web	Servicemember

07/15/2023	Yes	Debt collection Mortgage debt	False statements or representation Attempted to collect wrong amount	CA 92570	Web

07/12/2023	Yes	Mortgage Other type of mortgage	Trouble during payment process	FL 32259	Web

06/14/2023	Yes	Mortgage Home equity loan or line of credit (HELOC)	Trouble during payment process	OR 97386	Web	Older American

06/13/2023	Yes	Mortgage Home equity loan or line of credit (HELOC)	Struggling to pay mortgage	CA 93905	Web	Older American

05/24/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 32703	Web	Older American

05/16/2023	Yes	Mortgage Reverse mortgage	Closing on a mortgage	CA 92021	Phone

05/15/2023	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	NY 11203	Phone	Older American

05/10/2023	Yes	Mortgage Home equity loan or line of credit (HELOC)	Struggling to pay mortgage	CA 92880	Web

04/22/2023	No	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 77520	Web

04/16/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	TX 77520	Web

04/03/2023	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt is not yours	MA 01605	Web	Older American

03/29/2023	Yes	Mortgage Home equity loan or line of credit (HELOC)	Closing on a mortgage	SC 29056	Web

02/22/2023	Yes	Mortgage Home equity loan or line of credit (HELOC)	Closing on a mortgage	SC 29056	Web

02/14/2023	Yes	Mortgage Reverse mortgage	Trouble during payment process	FL 33054	Referral	Older American

02/08/2023	Yes	Debt collection Mortgage debt	Written notification about debt Didn't receive notice of right to dispute	FL 34952	Web

01/10/2023	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	CA 92857	Web	Older American

11/29/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 90301	Web

11/13/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	GA 30331	Web	Older American, Servicemember

10/23/2022	Yes	Debt collection Mortgage debt	Written notification about debt Didn't receive enough information to verify debt	NV 89509	Web	Older American

10/21/2022	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	CA 92801	Phone

10/11/2022	Yes	Mortgage Home equity loan or line of credit (HELOC)	Applying for a mortgage or refinancing an existing mortgage	CA 90043	Web	Servicemember

10/04/2022	Yes	Debt collection Mortgage debt	False statements or representation Attempted to collect wrong amount	CA 92375	Web	Servicemember

09/27/2022	Yes	Debt collection Mortgage debt	Written notification about debt Didn't receive enough information to verify debt	CA 94086	Web

09/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30132	Web

08/31/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 90031	Referral

08/26/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	LA 70811	Web

08/10/2022	Yes	Mortgage Home equity loan or line of credit (HELOC)	Struggling to pay mortgage	CA 92881	Web

07/14/2022	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	CA 92881	Web

07/04/2022	Yes	Debt collection Credit card debt	Communication tactics Used obscene, profane, or other abusive language	CA 92505	Web

06/13/2022	Yes	Mortgage Home equity loan or line of credit (HELOC)	Trouble during payment process	MI 48167	Web

05/02/2022	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	CA 92602	Referral

04/25/2022	Yes	Mortgage Home equity loan or line of credit (HELOC)	Trouble during payment process	AZ 85614	Web

04/01/2022	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	CA 90807	Web

03/31/2022	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	OH 44305	Web	Older American

03/22/2022	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	CA 92154	Web

03/21/2022	Yes	Mortgage Home equity loan or line of credit (HELOC)	Struggling to pay mortgage	CA 94015	Web

03/17/2022	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	CA 90746	Referral

02/22/2022	Yes	Debt collection Mortgage debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	NC 28269	Web

02/09/2022	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	MD 20716	Phone	Older American

01/17/2022	Yes	Debt collection I do not know	Communication tactics Used obscene, profane, or other abusive language	OH 44128	Web

12/31/2021	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	CA 91731	Web	Older American

12/28/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	VA 24506	Web

11/23/2021	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt is not yours	CA 94605	Phone	Older American

11/09/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NY 10465	Referral

08/29/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	AL 36701	Web

07/27/2021	Yes	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt was result of identity theft	AL 36701	Web

07/19/2021	Yes	Mortgage Home equity loan or line of credit (HELOC)	Trouble during payment process	KY 40241	Web

06/17/2021	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	CA 92354	Phone

05/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NY 11590	Referral

04/17/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	SC 29584	Web

03/25/2021	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt is not yours	CA 94014	Web

03/19/2021	Yes	Debt collection Mortgage debt	False statements or representation Attempted to collect wrong amount	TN 37923	Phone

03/10/2021	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	CA 92377	Phone

03/05/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	WA 98188	Web

02/15/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	NJ 07650	Web

02/02/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 43230	Web

01/21/2021	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	FL 32818	Web

01/19/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NC 27284	Web

01/07/2021	Yes	Mortgage Home equity loan or line of credit (HELOC)	Struggling to pay mortgage	MD 21723	Web

01/07/2021	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	NJ 08755	Web

01/07/2021	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt is not yours	CA 92114	Phone

12/15/2020	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	NJ 07208	Referral

11/24/2020	Yes	Debt collection Mortgage debt	False statements or representation Attempted to collect wrong amount	NJ 07042	Web

11/03/2020	Yes	Mortgage Conventional home mortgage	Closing on a mortgage		Phone

10/21/2020	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt is not yours	FL 33428	Phone

10/06/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	GA 30213	Postal mail

09/22/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	GA 30281	Phone

09/10/2020	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	MI XXXXX	Web

08/19/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 90059	Web

08/13/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	PA 19390	Fax

07/16/2020	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was paid	CA 91331	Postal mail

07/15/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	IL 60447	Web

07/15/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 95818	Postal mail

07/14/2020	Yes	Mortgage Home equity loan or line of credit (HELOC)	Struggling to pay mortgage	CA 95631	Web	Older American

06/25/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CT 06053	Web

06/12/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NV	Postal mail

05/27/2020	Yes	Mortgage Home equity loan or line of credit (HELOC)	Struggling to pay mortgage	CA 90019	Web	Older American

05/20/2020	Yes	Mortgage Other type of mortgage	Closing on a mortgage	CA 90019	Web	Older American

05/08/2020	Yes	Mortgage Home equity loan or line of credit (HELOC)	Trouble during payment process	CA 92020	Web	Older American

05/08/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NV 89502	Phone

05/07/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	GA 30906	Web

05/05/2020	Yes	Mortgage Home equity loan or line of credit (HELOC)	Applying for a mortgage or refinancing an existing mortgage	MI 49457	Fax	Older American

04/30/2020	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	UT 84106	Web	Older American

04/28/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	MI 48167	Web

04/27/2020	Yes	Mortgage Home equity loan or line of credit (HELOC)	Struggling to pay mortgage	CA XXXXX	Web

04/17/2020	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	NC 28115	Web	Servicemember

04/16/2020	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was paid		Phone

04/14/2020	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt is not yours	GA 31040	Web	Servicemember

04/13/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	OH 44146	Web

04/09/2020	Yes	Mortgage Home equity loan or line of credit (HELOC)	Trouble during payment process	MI 48167	Web

04/06/2020	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage		Phone

03/27/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	GA 30906	Web

03/27/2020	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	CA 92126	Web	Servicemember

03/26/2020	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls		Phone

03/05/2020	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	IL 60617	Web	Older American

03/03/2020	Yes	Credit card or prepaid card Store credit card	Incorrect information on your report Information belongs to someone else	MA 02777	Postal mail

02/13/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 94803	Web

02/10/2020	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	CA 95206	Web

02/10/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 44146	Web

02/07/2020	Yes	Mortgage Home equity loan or line of credit (HELOC)	Trouble during payment process	CA XXXXX	Web

02/05/2020	Yes	Debt collection Mortgage debt	Written notification about debt Didn't receive enough information to verify debt	AZ 85011	Postal mail

01/24/2020	Yes	Mortgage Home equity loan or line of credit (HELOC)	Trouble during payment process	HI 96707	Postal mail

01/16/2020	Yes	Debt collection Mortgage debt	Written notification about debt Didn't receive enough information to verify debt	CA 95117	Postal mail

01/16/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 94544	Web

12/11/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours		Phone	Older American

12/10/2019	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	CA 93638	Postal mail

11/19/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TN 38103	Web

11/18/2019	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt is not yours	CA 91304	Phone

11/12/2019	Yes	Mortgage Home equity loan or line of credit (HELOC)	Struggling to pay mortgage	CA 92227	Phone	Older American, Servicemember

11/07/2019	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	CA 92673	Web

10/11/2019	Yes	Payday loan, title loan, or personal loan Title loan	Can't contact lender or servicer	LA 70769	Web

10/06/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	GA 30906	Web

10/03/2019	Yes	Mortgage Home equity loan or line of credit (HELOC)	Trouble during payment process	KY 40241	Web

10/01/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	TN 38103	Web

09/22/2019	Yes	Mortgage Home equity loan or line of credit (HELOC)	Struggling to pay mortgage	FL 33317	Web

09/17/2019	Yes	Mortgage Home equity loan or line of credit (HELOC)	Struggling to pay mortgage	KY 40241	Web

09/15/2019	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	MD 21769	Web	Servicemember

09/09/2019	Yes	Mortgage Home equity loan or line of credit (HELOC)	Trouble during payment process	KY 40241	Web

09/06/2019	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	CA 91364	Referral

09/05/2019	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem when making payments	CA 93458	Phone	Servicemember

08/22/2019	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	CA 93458	Web	Servicemember

07/30/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	SC 29681	Postal mail

07/30/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 93657	Phone

07/07/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	ID 83646	Web

07/01/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	ID 83646	Web

07/01/2019	Yes	Mortgage Home equity loan or line of credit (HELOC)	Trouble during payment process	CA 92506	Web

06/26/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NY 11368	Postal mail

06/25/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	DE 19808	Referral

05/29/2019	Yes	Mortgage Home equity loan or line of credit (HELOC)	Struggling to pay mortgage	CA 94133	Web

05/23/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	CA 95126	Web

05/04/2019	Yes	Debt collection Mortgage debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	CA 93030	Web	Servicemember

04/29/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect		Web

04/17/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 90018	Referral

04/05/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 90018	Referral

03/26/2019	Yes	Mortgage Other type of mortgage	Trouble during payment process	TX 75247	Postal mail

03/15/2019	Yes	Mortgage Home equity loan or line of credit (HELOC)	Struggling to pay mortgage	NY 11714	Web

03/14/2019	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed		Phone

03/12/2019	Yes	Debt collection Mortgage debt	False statements or representation Attempted to collect wrong amount	CA 92336	Web

03/08/2019	Yes	Debt collection Mortgage debt	Written notification about debt Didn't receive enough information to verify debt	MD 21704	Postal mail

03/08/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 91308	Postal mail

03/07/2019	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	CO 81003	Web

02/20/2019	Yes	Mortgage Other type of mortgage	Trouble during payment process	CA 91364	Referral

02/01/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CA 95008	Web

01/29/2019	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	GA 30045	Web

12/20/2018	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	CA 92301	Web	Older American

12/19/2018	Yes	Mortgage Home equity loan or line of credit (HELOC)	Struggling to pay mortgage	CA 91978	Web

12/19/2018	Yes	Debt collection Mortgage debt	False statements or representation Attempted to collect wrong amount	GA 30032	Web

12/14/2018	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	NC 28278	Web

12/12/2018	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	CA 95008	Web

12/08/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	DE 19801	Web

12/04/2018	Yes	Debt collection Payday loan debt	False statements or representation Impersonated attorney, law enforcement, or government official	CA 92126	Web	Servicemember

12/01/2018	Yes	Mortgage Home equity loan or line of credit (HELOC)	Struggling to pay mortgage	CA 91605	Web

11/30/2018	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was paid	CA 95212	Referral

11/19/2018	No	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MI 48021	Referral

11/16/2018	Yes	Debt collection Mortgage debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	SC 29935	Web	Older American, Servicemember

11/07/2018	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	CA 95212	Referral

11/02/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 32833	Web

10/16/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	LA 71360	Web

10/12/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	IL 60048	Web

10/11/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	NM 87068	Web

10/03/2018	Yes	Debt collection Mortgage debt	Took or threatened to take negative or legal action Seized or attempted to seize your property		Phone	Servicemember

09/28/2018	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	IL 60423	Web	Servicemember

09/25/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	DC 20002	Referral

09/25/2018	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	CO 80211	Postal mail

09/21/2018	Yes	Debt collection Mortgage debt	Written notification about debt Didn't receive enough information to verify debt	HI 96743	Web

09/18/2018	Yes	Mortgage Home equity loan or line of credit (HELOC)	Closing on a mortgage	CA 91306	Web

09/15/2018	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	CA 93277	Web

09/12/2018	Yes	Debt collection Mortgage debt	Written notification about debt Didn't receive enough information to verify debt	TN 37027	Postal mail

09/06/2018	Yes	Debt collection Mortgage debt	False statements or representation Attempted to collect wrong amount	CA 90746	Web

08/21/2018	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	OH 45504	Web

08/02/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	MA 01730	Web

07/26/2018	Yes	Debt collection Mortgage debt	Written notification about debt Didn't receive enough information to verify debt	NY 11368	Postal mail

07/24/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	GA 30906	Web

07/14/2018	Yes	Debt collection Mortgage debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	CA 93304	Web	Older American, Servicemember

07/12/2018	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was paid	TX 77407	Web

07/10/2018	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	NY 10301	Referral

07/07/2018	Yes	Mortgage Home equity loan or line of credit (HELOC)	Trouble during payment process	CA 95111	Web

07/06/2018	Yes	Debt collection Mortgage debt	Written notification about debt Didn't receive enough information to verify debt	CA 94587	Postal mail

06/27/2018	Yes	Mortgage Other type of mortgage	Incorrect information on your report Account status incorrect	TX 77407	Web

06/25/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30034	Web	Servicemember

06/19/2018	Yes	Mortgage Other type of mortgage	Trouble during payment process	TN 37214	Web

05/28/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 32725	Web

05/19/2018	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	GA 30906	Web

05/10/2018	Yes	Mortgage Home equity loan or line of credit (HELOC)	Trouble during payment process	IA 52402	Web

05/09/2018	Yes	Mortgage Home equity loan or line of credit (HELOC)	Struggling to pay mortgage	CA 93030	Web	Servicemember

04/30/2018	Yes	Mortgage Home equity loan or line of credit (HELOC)	Trouble during payment process	AZ 85143	Web	Older American

04/25/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	DE 19808	Web

04/20/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	TX 78045	Web

04/20/2018	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was paid	NM 87505	Web

04/17/2018	Yes	Debt collection Mortgage debt	Written notification about debt Didn't receive enough information to verify debt	MI 49660	Web

04/12/2018	Yes	Mortgage Home equity loan or line of credit (HELOC)	Struggling to pay mortgage	CA 913XX	Web	Older American, Servicemember

04/12/2018	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem with the payoff process at the end of the loan	PA 17522	Web

04/06/2018	Yes	Debt collection Mortgage debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 32164	Web	Servicemember

04/06/2018	Yes	Debt collection Mortgage debt	Written notification about debt Didn't receive enough information to verify debt	MO 63367	Postal mail

04/05/2018	Yes	Mortgage Other type of mortgage	Trouble during payment process	NY 12020	Referral

04/04/2018	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	PA 18466	Referral

03/30/2018	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TN XXXXX	Web	Servicemember

03/25/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 90630	Web

03/20/2018	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt is not yours	CA 94806	Referral

03/15/2018	Yes	Debt collection Mortgage debt	False statements or representation Attempted to collect wrong amount	TN 38125	Postal mail

03/15/2018	Yes	Debt collection Mortgage debt	False statements or representation Attempted to collect wrong amount	TN 38125	Postal mail

03/08/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 75068	Postal mail

02/23/2018	Yes	Debt collection Mortgage debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	IL 60439	Web

02/14/2018	Yes	Mortgage Home equity loan or line of credit (HELOC)	Struggling to pay mortgage	WA 98274	Web

02/07/2018	Yes	Mortgage Home equity loan or line of credit (HELOC)	Struggling to pay mortgage	CA 92883	Postal mail

02/07/2018	Yes	Mortgage Other type of mortgage	Trouble during payment process	PA 18466	Postal mail

02/02/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	TX 76248	Referral

01/25/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	CA 95128	Web

01/23/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NY 11777	Referral

01/23/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	IN 46218	Web

01/17/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	CA 91355	Web

01/16/2018	Yes	Mortgage FHA mortgage	Struggling to pay mortgage		Phone

12/25/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 31620	Web	Older American, Servicemember

12/22/2017	Yes	Mortgage Home equity loan or line of credit (HELOC)	Struggling to pay mortgage	CA 91301	Web	Servicemember

12/19/2017	No	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	PA 17602	Web

12/11/2017	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	PA 17082	Referral

12/07/2017	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	MD 21222	Web

12/06/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	PA 19067	Web	Older American

11/11/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 92139	Web

10/23/2017	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	FL 33073	Web

10/18/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 33411	Web

10/18/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	OH 45504	Web

10/16/2017	Yes	Debt collection Payday loan debt	False statements or representation Attempted to collect wrong amount	SC 29379	Web

10/11/2017	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	MI 48125	Web

10/10/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33914	Web

09/28/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 91402	Referral

09/26/2017	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was paid	HI 96707	Referral

09/06/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NM 87121	Web

08/12/2017	Yes	Debt collection Mortgage debt	Written notification about debt Didn't receive enough information to verify debt	CA 93030	Web	Servicemember

08/08/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	WI 53216	Web

08/07/2017	Yes	Debt collection Mortgage debt	Written notification about debt Didn't receive enough information to verify debt	MD 21146	Postal mail

08/06/2017	Yes	Debt collection Mortgage debt	Communication tactics You told them to stop contacting you, but they keep trying	CA 92705	Web

08/06/2017	Yes	Debt collection Mortgage debt	Communication tactics You told them to stop contacting you, but they keep trying	CA 92705	Web

08/03/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 90019	Web

07/27/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	WA 98501	Web

07/23/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	WI 53216	Web

07/11/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 90019	Web

07/03/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	WA 98501	Web

07/02/2017	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	AZ 85745	Web

06/26/2017	Yes	Debt collection Mortgage debt	Written notification about debt Didn't receive enough information to verify debt	FL 33301	Web	Older American

06/15/2017	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	NC XXXXX	Web	Servicemember

06/14/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AL 35244	Web

06/06/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 33411	Web

05/30/2017	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	GA 30060	Fax

05/17/2017	Yes	Mortgage Other type of mortgage	Incorrect information on your report Account status incorrect	OR 97223	Referral

05/15/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	SC 29720	Web	Older American, Servicemember

05/10/2017	Yes	Debt collection Mortgage debt	False statements or representation Attempted to collect wrong amount	FL 33415	Web

05/03/2017	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	RI 02891	Postal mail

04/17/2017	Yes	Debt collection Mortgage	Disclosure verification of debt Not disclosed as an attempt to collect	AZ 85745	Web

04/15/2017	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	DE 19709	Web

04/11/2017	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	CA 92563	Web

03/30/2017	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Received bad information about my loan		Phone

03/28/2017	Yes	Mortgage Home equity loan or line of credit	Loan servicing, payments, escrow account	CA 90505	Fax

03/27/2017	Yes	Debt collection Mortgage	Improper contact or sharing of info Contacted me after I asked not to	OR 97034	Web

03/23/2017	Yes	Debt collection Mortgage	Improper contact or sharing of info Contacted me after I asked not to	FL 33908	Web	Servicemember

03/14/2017	Yes	Consumer Loan Pawn loan	Lender damaged or destroyed property	CA 91761	Web

03/08/2017	Yes	Credit reporting	Incorrect information on credit report Account status	OH 44133	Postal mail

03/07/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	MD 20783	Referral

03/06/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	SC 29406	Phone	Servicemember

02/22/2017	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	FL 33990	Phone

02/17/2017	Yes	Payday loan	Charged fees or interest I didn't expect	TN 37766	Web

02/16/2017	Yes	Debt collection Mortgage	Cont'd attempts collect debt not owed Debt is not mine	FL 32738	Postal mail

02/13/2017	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	CA 95835	Web

02/07/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NJ 07735	Phone

01/30/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	IL 60426	Web

01/30/2017	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	FL 32311	Phone

01/27/2017	Yes	Mortgage Other mortgage	Other	PA 19138	Postal mail

01/26/2017	Yes	Payday loan	Charged fees or interest I didn't expect	OH 43015	Web

01/26/2017	Yes	Debt collection Mortgage	Cont'd attempts collect debt not owed Debt was paid	OR 97140	Postal mail

01/11/2017	Yes	Mortgage Home equity loan or line of credit	Loan modification,collection,foreclosure	WA 98371	Web

01/11/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	CA 92103	Web

01/06/2017	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	CA 94533	Web

01/05/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	CA 92508	Referral

01/03/2017	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	MI 48382	Web

12/29/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	TX 75032	Postal mail

12/29/2016	Yes	Debt collection Mortgage	Disclosure verification of debt Not given enough info to verify debt	MD 20783	Referral

12/22/2016	Yes	Debt collection Mortgage	Disclosure verification of debt Not given enough info to verify debt	CT 06706	Referral

12/20/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	ID 83525	Web	Older American

12/07/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt was paid	FL 33626	Web

12/02/2016	Yes	Debt collection Mortgage	Disclosure verification of debt Not given enough info to verify debt	MD 21228	Web	Servicemember

12/01/2016	Yes	Debt collection Mortgage	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	AZ 85383	Referral

11/22/2016	Yes	Mortgage Other mortgage	Other	NY 12401	Postal mail

11/21/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 91739	Web

11/18/2016	Yes	Mortgage Home equity loan or line of credit	Loan servicing, payments, escrow account	CA 91304	Web

11/07/2016	Yes	Mortgage Conventional fixed mortgage	Application, originator, mortgage broker	NC 28564	Web

11/05/2016	Yes	Mortgage Home equity loan or line of credit	Loan servicing, payments, escrow account	NM 87501	Web

11/03/2016	Yes	Debt collection Mortgage	Cont'd attempts collect debt not owed Debt was paid	CA 92223	Referral	Older American

10/31/2016	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	NV 89119	Referral

10/25/2016	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	OR 97527	Fax

10/19/2016	Yes	Mortgage Home equity loan or line of credit	Loan modification,collection,foreclosure	CA 91950	Web

10/04/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	IL 60050	Web

09/30/2016	Yes	Mortgage Other mortgage	Other	CA 92660	Referral

09/30/2016	Yes	Mortgage Home equity loan or line of credit	Loan modification,collection,foreclosure	CA 92808	Web

09/13/2016	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	NV 89119	Referral

09/07/2016	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	NV 89521	Phone

08/31/2016	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure		Referral

08/25/2016	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	VA 23238	Web	Older American

08/23/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	FL 32766	Web

08/19/2016	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	NV XXXXX	Web

08/16/2016	Yes	Debt collection Mortgage	Disclosure verification of debt Not given enough info to verify debt	FL 33019	Fax

08/10/2016	Yes	Debt collection Mortgage	Disclosure verification of debt Not given enough info to verify debt	CA 91331	Postal mail

08/10/2016	Yes	Debt collection Mortgage	Disclosure verification of debt Right to dispute notice not received	NY 10312	Web

08/03/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	CA 92656	Web

08/01/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	TX 75032	Web

07/30/2016	Yes	Debt collection Payday loan	Taking/threatening an illegal action Threatened to sue on too old debt	WI 54749	Web

07/18/2016	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	CA 94605	Web

06/30/2016	Yes	Mortgage FHA mortgage	Settlement process and costs	CA 91730	Web

06/30/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	TX 75043	Web

06/23/2016	Yes	Mortgage Home equity loan or line of credit	Application, originator, mortgage broker	UT 84084	Web	Older American

06/23/2016	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	CA 95060	Referral

06/13/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	IN 47648	Web

06/08/2016	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	HI 96707	Postal mail

06/02/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	AK 99712	Fax	Older American

05/26/2016	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	TX 76537	Web

05/18/2016	Yes	Debt collection Mortgage	Cont'd attempts collect debt not owed Debt is not mine	GA 30253	Fax

05/17/2016	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 90301	Phone	Older American

05/12/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 92586	Web

05/11/2016	Yes	Mortgage Home equity loan or line of credit	Loan modification,collection,foreclosure	WA 98422	Web

05/06/2016	Yes	Debt collection Mortgage	Improper contact or sharing of info Contacted me after I asked not to	CA 93065	Web

05/06/2016	Yes	Mortgage Conventional fixed mortgage	Credit decision / Underwriting	FL 33351	Web	Older American

05/06/2016	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	OR 97756	Referral

04/29/2016	No	Mortgage Home equity loan or line of credit	Settlement process and costs	CA 92821	Web

04/28/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	CO 80013	Referral

04/20/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	WA 99223	Referral

04/13/2016	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	NJ 08205	Web

04/12/2016	Yes	Debt collection Payday loan	Disclosure verification of debt Not disclosed as an attempt to collect	CA 93635	Web

04/11/2016	No	Mortgage Other mortgage	Application, originator, mortgage broker	CA 94605	Web

04/11/2016	No	Mortgage Other mortgage	Loan servicing, payments, escrow account	CA 90711	Web

04/06/2016	Yes	Debt collection Mortgage	Cont'd attempts collect debt not owed Debt was paid	NY 11758	Phone

04/01/2016	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	MO 63031	Referral

03/31/2016	Yes	Mortgage Reverse mortgage	Loan modification,collection,foreclosure	FL 32211	Referral	Older American

03/30/2016	No	Debt collection Mortgage	Cont'd attempts collect debt not owed Debt is not mine	NJ 08205	Referral

03/24/2016	No	Mortgage Home equity loan or line of credit	Loan servicing, payments, escrow account	CA 95409	Web

03/20/2016	No	Mortgage Home equity loan or line of credit	Loan modification,collection,foreclosure	CA 90815	Web

03/18/2016	No	Mortgage Other mortgage	Other	GA 30340	Fax

03/17/2016	No	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	MI 48150	Referral

03/15/2016	No	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	TX 77023	Postal mail

03/07/2016	No	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 95693	Web

02/26/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	CA 95129	Web

02/26/2016	No	Mortgage Conventional adjustable mortgage (ARM)	Other	MA 02148	Referral

02/25/2016	No	Mortgage Conventional adjustable mortgage (ARM)	Other	MA 02148	Postal mail

02/22/2016	No	Mortgage Other mortgage	Other	NY 12401	Referral

02/08/2016	No	Credit reporting	Incorrect information on credit report Account status	CA 91406	Postal mail

02/05/2016	No	Mortgage Other mortgage	Loan servicing, payments, escrow account	TX 78216	Web

02/03/2016	No	Mortgage Other mortgage	Loan modification,collection,foreclosure	FL 33193	Referral

01/28/2016	Yes	Mortgage Home equity loan or line of credit	Settlement process and costs	CA 92253	Web	Older American

01/20/2016	No	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 95391	Web

01/13/2016	No	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	CA 92376	Web

01/06/2016	No	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	CA 90503	Referral

12/26/2015	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	IL 60403	Web

12/22/2015	Yes	Debt collection Mortgage	Disclosure verification of debt Not given enough info to verify debt	MI 49649	Referral

12/11/2015	No	Mortgage FHA mortgage	Loan modification,collection,foreclosure	OH 45211	Web

11/24/2015	No	Debt collection Payday loan	Disclosure verification of debt Not given enough info to verify debt	CA 91103	Web

11/18/2015	No	Mortgage FHA mortgage	Loan modification,collection,foreclosure	FL 32128	Fax

11/14/2015	No	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt resulted from identity theft	CA 91335	Web

11/05/2015	No	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 94585	Phone

11/03/2015	No	Debt collection Payday loan	Disclosure verification of debt Not given enough info to verify debt	CA 90027	Web

10/31/2015	No	Mortgage Conventional fixed mortgage	Application, originator, mortgage broker	GA 30349	Web

10/27/2015	No	Mortgage Other mortgage	Loan modification,collection,foreclosure	NC 27613	Referral

10/27/2015	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	AZ 85011	Postal mail

10/26/2015	No	Mortgage Home equity loan or line of credit	Loan servicing, payments, escrow account	CA 95747	Web	Older American

10/26/2015	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	AZ 85011	Postal mail

10/21/2015	No	Debt collection I do not know	Disclosure verification of debt Right to dispute notice not received	CA 92307	Web

10/20/2015	Yes	Mortgage Home equity loan or line of credit	Loan modification,collection,foreclosure	NC 28801	Web

10/07/2015	No	Debt collection Mortgage	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	NY 12182	Referral

09/25/2015	Yes	Mortgage Home equity loan or line of credit	Loan modification,collection,foreclosure	NY 11102	Web

09/05/2015	No	Debt collection Mortgage	Disclosure verification of debt Not disclosed as an attempt to collect	CA 95678	Web

08/25/2015	No	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	IL 60148	Web

08/17/2015	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt resulted from identity theft	CA 92101	Web	Servicemember

08/12/2015	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	MI 48451	Web

08/04/2015	No	Debt collection Mortgage	Improper contact or sharing of info Contacted me after I asked not to	VT 05091	Web

07/30/2015	No	Mortgage Other mortgage	Loan modification,collection,foreclosure	FL 34639	Web

07/17/2015	No	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	MO 64130	Web

07/16/2015	No	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	FL 32779	Web

07/11/2015	No	Mortgage Home equity loan or line of credit	Loan servicing, payments, escrow account	GA 30087	Web

07/02/2015	No	Debt collection I do not know	Communication tactics Frequent or repeated calls	PA 15601	Web

06/24/2015	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	IN 46168	Web

06/22/2015	Yes	Credit card	Billing disputes	OH 44106	Phone

06/18/2015	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	NC 27613	Web

06/12/2015	No	Debt collection Non-federal student loan	False statements or representation Attempted to collect wrong amount	TX 78217	Referral

06/11/2015	No	Debt collection Mortgage	Disclosure verification of debt Not given enough info to verify debt	FL 34139	Referral

05/28/2015	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	FL 33025	Referral	Older American

05/17/2015	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 95833	Web	Servicemember

05/14/2015	Yes	Mortgage Other mortgage	Other	NH 03287	Referral

04/27/2015	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 92035	Web

04/24/2015	No	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	CA 93638	Web	Servicemember

04/22/2015	No	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Attempted to/Collected exempt funds	AZ 85050	Postal mail

04/20/2015	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	VA 22304	Web

04/13/2015	Yes	Mortgage Other mortgage	Application, originator, mortgage broker	SC 29229	Web

04/03/2015	No	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	OH 44106	Postal mail

03/30/2015	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	NY 11368	Referral

03/27/2015	No	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt is not mine	CA 95695	Web

03/23/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	WI 53143	Postal mail

03/20/2015	Yes	Debt collection Mortgage	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	AZ 85251	Web

03/17/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	MA 02136	Web

03/16/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	TX 75249	Web

03/16/2015	Yes	Credit reporting	Incorrect information on credit report Account status	CA 93311	Web

03/13/2015	Yes	Mortgage Home equity loan or line of credit	Loan modification,collection,foreclosure	NY 10306	Web

03/12/2015	No	Mortgage Other mortgage	Loan modification,collection,foreclosure	MN 55104	Web

03/11/2015	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	CA 90601	Web

03/10/2015	Yes	Debt collection Mortgage	Cont'd attempts collect debt not owed Debt was paid	FL 33405	Web

03/03/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	GA 30004	Phone	Servicemember

02/25/2015	Yes	Debt collection Mortgage	Disclosure verification of debt Not given enough info to verify debt	FL 33189	Postal mail

02/25/2015	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	FL 33415	Web

02/19/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CO 80132	Web	Older American

02/17/2015	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Don't agree with fees charged	FL 33157	Web

02/10/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CA 92128	Web

02/08/2015	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	CA 93063	Web

02/06/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	AZ 85747	Web	Older American

02/06/2015	Yes	Credit reporting	Incorrect information on credit report Information is not mine	FL 32413	Web	Older American

02/05/2015	Yes	Debt collection Mortgage	Cont'd attempts collect debt not owed Debt is not mine	NY 11221	Referral

02/05/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	LA 70119	Web

02/04/2015	Yes	Debt collection I do not know	Improper contact or sharing of info Contacted me after I asked not to	IL 60447	Web

01/31/2015	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	CA 95630	Web

01/29/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 94703	Web

01/28/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	CO 80501	Fax

01/27/2015	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	FL 33614	Postal mail

01/26/2015	Yes	Debt collection Non-federal student loan	Cont'd attempts collect debt not owed Debt is not mine	FL 33473	Web

01/24/2015	Yes	Credit reporting	Incorrect information on credit report Account status	PA 19606	Web

01/21/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	MI 48371	Web

01/09/2015	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	NY 11372	Referral

01/08/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	OH 12354	Web

12/31/2014	Yes	Debt collection Non-federal student loan	Disclosure verification of debt Not given enough info to verify debt	MN 55126	Web	Servicemember

12/29/2014	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 92592	Web

12/25/2014	Yes	Debt collection I do not know	Disclosure verification of debt Right to dispute notice not received	IL 60445	Web

12/19/2014	Yes	Debt collection Mortgage	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	CA 92211	Web

12/19/2014	Yes	Debt collection Mortgage	False statements or representation Attempted to collect wrong amount	CO 95829	Web

12/18/2014	Yes	Debt collection I do not know	Disclosure verification of debt Right to dispute notice not received	IL 60445	Web

12/18/2014	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	CA 92223	Web

12/16/2014	Yes	Credit reporting	Incorrect information on credit report Account terms	TX 77356	Web

12/15/2014	Yes	Credit reporting	Incorrect information on credit report Account status	DE 19904	Referral

12/12/2014	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	GA 30313	Web

12/04/2014	Yes	Debt collection Mortgage	Cont'd attempts collect debt not owed Debt was paid	CO 80538	Referral

12/03/2014	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 95833	Web

11/22/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 94533	Web

11/18/2014	Yes	Mortgage Home equity loan or line of credit	Loan modification,collection,foreclosure	AZ 85122	Web	Older American

11/13/2014	Yes	Debt collection Mortgage	Cont'd attempts collect debt not owed Debt resulted from identity theft	CA 93277	Web

11/13/2014	Yes	Debt collection Mortgage	Disclosure verification of debt Right to dispute notice not received	FL 33405	Referral

11/10/2014	Yes	Debt collection Mortgage	Disclosure verification of debt Not given enough info to verify debt	CA 92211	Web

11/07/2014	Yes	Credit card	Identity theft / Fraud / Embezzlement	CO 80906	Web	Servicemember

10/29/2014	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	CA 95838	Web

10/20/2014	Yes	Debt collection Mortgage	Cont'd attempts collect debt not owed Debt was paid	GA 31768	Postal mail	Older American

10/16/2014	Yes	Mortgage Home equity loan or line of credit	Loan modification,collection,foreclosure	OH 45224	Web

10/16/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NM 87552	Web

10/13/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	CA 92545	Web

10/06/2014	Yes	Mortgage Home equity loan or line of credit	Settlement process and costs	CA 92647	Web

09/21/2014	Yes	Debt collection Mortgage	Cont'd attempts collect debt not owed Debt was paid	WA 98087	Web

09/05/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	FL 33187	Referral

09/03/2014	Yes	Debt collection Mortgage	False statements or representation Attempted to collect wrong amount	TX 77008	Web

09/02/2014	Yes	Mortgage Home equity loan or line of credit	Other	NY 10469	Postal mail

08/28/2014	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	TX 76548	Web

08/27/2014	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	MI 48823	Web

08/26/2014	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	MI 48430	Web

08/26/2014	Yes	Credit reporting	Credit reporting company's investigation Investigation took too long	RI 02910	Web

08/21/2014	Yes	Debt collection Mortgage	Communication tactics Frequent or repeated calls	MI 48761	Referral	Older American

08/21/2014	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	GA 30106	Web

08/21/2014	Yes	Debt collection Mortgage	False statements or representation Attempted to collect wrong amount	TX 75063	Web

08/19/2014	Yes	Debt collection Mortgage	Cont'd attempts collect debt not owed Debt is not mine	CA 93722	Web	Servicemember

08/19/2014	Yes	Debt collection Mortgage	Cont'd attempts collect debt not owed Debt was paid	AZ 85140	Web

08/19/2014	Yes	Mortgage Home equity loan or line of credit	Loan servicing, payments, escrow account	OR 97219	Web	Older American

08/15/2014	Yes	Mortgage Home equity loan or line of credit	Loan modification,collection,foreclosure	CA 91105	Web

08/14/2014	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	NV 89149	Web

08/06/2014	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	PA 19464	Web

08/06/2014	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	NC 28202	Web

07/31/2014	Yes	Debt collection Mortgage	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	CA 91307	Web

07/24/2014	Yes	Debt collection Mortgage	Cont'd attempts collect debt not owed Debt is not mine	CA 93940	Web	Servicemember

07/23/2014	Yes	Debt collection Mortgage	False statements or representation Indicated committed crime not paying	UT 84771	Phone

07/22/2014	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	MD 20886	Postal mail

07/17/2014	Yes	Debt collection Mortgage	Cont'd attempts collect debt not owed Debt was paid	GA 30088	Phone

07/13/2014	Yes	Debt collection Mortgage	Disclosure verification of debt Not given enough info to verify debt	MD 20886	Web

07/08/2014	Yes	Mortgage Home equity loan or line of credit	Loan servicing, payments, escrow account	AZ 85234	Web

07/02/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	OH 44087	Web

07/01/2014	Yes	Debt collection Mortgage	Disclosure verification of debt Not given enough info to verify debt	SC 29527	Web	Servicemember

06/26/2014	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	VA 22554	Web

06/25/2014	Yes	Mortgage Other mortgage	Settlement process and costs	CA 91763	Web

06/23/2014	Yes	Debt collection Mortgage	Cont'd attempts collect debt not owed Debt was paid	CA 95404	Web

06/13/2014	Yes	Mortgage Home equity loan or line of credit	Loan modification,collection,foreclosure	KS 66215	Referral

06/06/2014	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	OK 74137	Web

06/05/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	FL 32801	Web

06/04/2014	Yes	Mortgage Conventional fixed mortgage	Credit decision / Underwriting	TX 77068	Web

06/04/2014	Yes	Debt collection Mortgage	Cont'd attempts collect debt not owed Debt was paid	FL 34744	Referral

05/30/2014	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	WY 82435	Fax

05/23/2014	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	AZ 85027	Web

05/22/2014	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	GA 30214	Postal mail

05/20/2014	Yes	Debt collection Mortgage	Disclosure verification of debt Not given enough info to verify debt	MD 20646	Web

05/19/2014	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	NY 10541	Referral

05/19/2014	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	TX 75056	Web

05/17/2014	Yes	Debt collection Mortgage	Communication tactics Threatened to take legal action	OR 97402	Web

05/10/2014	Yes	Debt collection Mortgage	Cont'd attempts collect debt not owed Debt is not mine	MD 20716	Web

05/08/2014	Yes	Debt collection Mortgage	Cont'd attempts collect debt not owed Debt was paid	MI 48315	Web

05/05/2014	Yes	Debt collection Mortgage	Improper contact or sharing of info Contacted me after I asked not to	OH 43900	Web

04/30/2014	Yes	Debt collection Mortgage	Disclosure verification of debt Not given enough info to verify debt	IN 46342	Web

04/28/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Threatened to take legal action	FL 33169	Postal mail

04/28/2014	Yes	Mortgage Home equity loan or line of credit	Loan modification,collection,foreclosure	VA 22030	Web

04/23/2014	Yes	Debt collection Mortgage	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	MN 55408	Web

04/22/2014	Yes	Debt collection Mortgage	Improper contact or sharing of info Contacted me after I asked not to	WA 98087	Web

04/12/2014	Yes	Debt collection Credit card	False statements or representation Attempted to collect wrong amount	WI 54494	Web

04/11/2014	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	CA 92102	Web

04/11/2014	Yes	Debt collection Mortgage	False statements or representation Attempted to collect wrong amount	MO 64134	Web

04/08/2014	Yes	Debt collection Mortgage	Disclosure verification of debt Not given enough info to verify debt	FL 33026	Web

04/07/2014	Yes	Debt collection Mortgage	Cont'd attempts collect debt not owed Debt is not mine	FL 32904	Web

03/31/2014	Yes	Debt collection Mortgage	False statements or representation Attempted to collect wrong amount	CO 80910	Web	Servicemember

03/27/2014	Yes	Debt collection Mortgage	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	OH 44321	Web

03/25/2014	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CO 80234	Web	Servicemember

03/24/2014	Yes	Debt collection Mortgage	Cont'd attempts collect debt not owed Debt is not mine	CA 92119	Web

03/20/2014	Yes	Debt collection Mortgage	Cont'd attempts collect debt not owed Debt was paid	MI 48235	Web

03/19/2014	Yes	Debt collection Mortgage	Cont'd attempts collect debt not owed Debt is not mine	CA 92620	Web

03/18/2014	Yes	Debt collection Mortgage	Communication tactics Frequent or repeated calls	PA 19121	Phone

03/14/2014	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	TX 79707	Phone

03/06/2014	Yes	Debt collection Mortgage	Communication tactics Threatened to take legal action	OR 97402	Postal mail

03/06/2014	Yes	Mortgage Home equity loan or line of credit	Loan modification,collection,foreclosure	AR 72761	Web

02/28/2014	Yes	Mortgage Second mortgage	Loan servicing, payments, escrow account	KS 66215	Referral

02/27/2014	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	GA 30016	Web

02/26/2014	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 91016	Postal mail

02/13/2014	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	CA 91784	Referral

02/07/2014	Yes	Debt collection Mortgage	Cont'd attempts collect debt not owed Debt was paid	GA 30311	Web	Servicemember

01/30/2014	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	NV 89139	Postal mail

01/28/2014	Yes	Debt collection Mortgage	Disclosure verification of debt Not given enough info to verify debt	TX 78254	Web	Servicemember

01/28/2014	Yes	Mortgage Other mortgage	Other	CA 91784	Referral

01/22/2014	Yes	Debt collection Mortgage	Disclosure verification of debt Right to dispute notice not received	MI 49048	Web	Servicemember

01/19/2014	Yes	Credit reporting	Incorrect information on credit report Account status	TX 77386	Web

01/15/2014	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	IL 60014	Referral

01/08/2014	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 90278	Referral

01/03/2014	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	GA 30518	Web

01/03/2014	Yes	Debt collection Mortgage	Cont'd attempts collect debt not owed Debt was paid	MD 20852	Web

01/03/2014	Yes	Credit reporting	Incorrect information on credit report Account status	FL 33067	Web

01/03/2014	Yes	Debt collection Mortgage	Cont'd attempts collect debt not owed Debt was paid	NC 27576	Fax	Older American

12/31/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	MN 55345	Web

12/18/2013	Yes	Debt collection Mortgage	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	CT 06095	Web

12/11/2013	Yes	Debt collection Mortgage	Communication tactics Frequent or repeated calls	CA 91331	Postal mail

11/25/2013	Yes	Debt collection Auto	False statements or representation Attempted to collect wrong amount	SC 29406	Phone	Servicemember

11/22/2013	Yes	Debt collection Mortgage	Cont'd attempts collect debt not owed Debt is not mine	NY 11566	Web

11/14/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	AZ 85643	Web	Older American

11/13/2013	Yes	Debt collection Mortgage	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	CA 94517	Web

11/08/2013	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	VA 22314	Web

11/08/2013	Yes	Mortgage Other mortgage	Other		Postal mail

11/07/2013	Yes	Debt collection Mortgage	Cont'd attempts collect debt not owed Debt was paid	CA 95210	Web

11/06/2013	No	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CA 92128	Web

11/06/2013	Yes	Debt collection Mortgage	Cont'd attempts collect debt not owed Debt is not mine	FL 34229	Web

11/04/2013	Yes	Debt collection Mortgage	Cont'd attempts collect debt not owed Debt is not mine	NC 27704	Web	Older American

11/02/2013	Yes	Mortgage Home equity loan or line of credit	Loan modification,collection,foreclosure	WA 98040	Web

10/31/2013	Yes	Debt collection Mortgage	Cont'd attempts collect debt not owed Debt is not mine	NJ 07012	Referral

10/30/2013	Yes	Mortgage Home equity loan or line of credit	Loan servicing, payments, escrow account	CO 80116	Referral	Servicemember

10/28/2013	Yes	Debt collection Mortgage	Cont'd attempts collect debt not owed Debt resulted from identity theft	PA 17603	Web	Servicemember

10/19/2013	Yes	Debt collection Mortgage	False statements or representation Attempted to collect wrong amount	CA 95648	Web

10/11/2013	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	IL 60653	Referral

10/11/2013	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	VT 05677	Postal mail

10/11/2013	Yes	Mortgage Home equity loan or line of credit	Loan modification,collection,foreclosure	CA 92555	Web

10/06/2013	Yes	Debt collection Mortgage	Disclosure verification of debt Not given enough info to verify debt	AZ 85253	Web

10/02/2013	Yes	Mortgage Other mortgage	Other	SC 29576	Postal mail

09/26/2013	Yes	Debt collection Mortgage	Cont'd attempts collect debt not owed Debt is not mine	WI 54401	Web

09/25/2013	Yes	Debt collection Mortgage	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	AZ 85251	Web

09/23/2013	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	GA 30319	Referral

09/05/2013	Yes	Debt collection Mortgage	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	VA 22701	Web	Servicemember

09/04/2013	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 92122	Web

09/03/2013	Yes	Debt collection Mortgage	Disclosure verification of debt Not given enough info to verify debt	WY 82003	Web

08/28/2013	Yes	Mortgage Second mortgage	Loan servicing, payments, escrow account	NY 14610	Referral

08/27/2013	Yes	Debt collection Non-federal student loan	Cont'd attempts collect debt not owed Debt is not mine	FL 33061	Web

08/19/2013	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	NJ 07950	Web

08/04/2013	Yes	Debt collection Mortgage	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	CA 94587	Web	Servicemember

08/02/2013	Yes	Debt collection Mortgage	False statements or representation Attempted to collect wrong amount	TX 76210	Web

08/02/2013	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	MI 48323	Web

07/27/2013	Yes	Credit reporting	Incorrect information on credit report Account terms	MI 49053	Web	Servicemember

07/25/2013	Yes	Mortgage Conventional adjustable mortgage (ARM)	Settlement process and costs	CA 95765	Web

07/23/2013	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CA 92128	Web

06/24/2013	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	GA 30093	Referral

06/21/2013	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	FL 33122	Web

06/11/2013	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	IL 60657	Web

06/03/2013	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	WA 98204	Referral

05/30/2013	Yes	Mortgage Second mortgage	Loan modification,collection,foreclosure	FL 33624	Referral	Older American

05/22/2013	Yes	Mortgage Home equity loan or line of credit	Loan servicing, payments, escrow account	CA 91941	Web

05/21/2013	Yes	Mortgage Home equity loan or line of credit	Loan modification,collection,foreclosure	MN 55316	Web

05/20/2013	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	FL 33435	Referral

05/16/2013	Yes	Mortgage Home equity loan or line of credit	Loan servicing, payments, escrow account	MD 20601	Web

04/26/2013	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	GA 30288	Postal mail

04/23/2013	Yes	Mortgage Home equity loan or line of credit	Loan servicing, payments, escrow account	CA 91941	Web

04/09/2013	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	CA 90275	Web

04/01/2013	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 94014	Referral

03/28/2013	Yes	Mortgage Home equity loan or line of credit	Loan modification,collection,foreclosure	VA 22407	Web

03/22/2013	Yes	Mortgage Home equity loan or line of credit	Loan servicing, payments, escrow account	CA 93912	Web

03/14/2013	Yes	Mortgage Home equity loan or line of credit	Loan modification,collection,foreclosure	CA 92373	Web

03/07/2013	Yes	Mortgage Conventional adjustable mortgage (ARM)	Settlement process and costs	CA 92401	Web

03/04/2013	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	NC 28681	Phone	Older American, Servicemember

02/28/2013	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	AL 35114	Web

02/20/2013	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	CA 90640	Web

02/19/2013	Yes	Mortgage Other mortgage	Settlement process and costs	FL 33023	Referral

01/30/2013	Yes	Mortgage Second mortgage	Loan modification,collection,foreclosure	FL 33028	Referral

01/05/2013	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 95376	Referral

01/04/2013	Yes	Mortgage Home equity loan or line of credit	Loan modification,collection,foreclosure	AZ 85201	Web

01/03/2013	Yes	Mortgage Second mortgage	Settlement process and costs	NV 89451	Phone

12/21/2012	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	DC 20002	Referral

11/20/2012	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	FL 33173	Referral

11/06/2012	Yes	Mortgage Home equity loan or line of credit	Loan modification,collection,foreclosure	CA 91914	Web

10/28/2012	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	NV 89130	Web

10/25/2012	Yes	Mortgage Second mortgage	Loan modification,collection,foreclosure	CA 95377	Referral

10/18/2012	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	CA 05377	Web

10/05/2012	Yes	Mortgage Second mortgage	Loan modification,collection,foreclosure	PA 15135	Phone	Older American, Servicemember

08/29/2012	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 92804	Referral

08/13/2012	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	OH 44320	Postal mail

08/02/2012	No	Mortgage Other mortgage	Settlement process and costs	CA 91436	Postal mail

07/06/2012	Yes	Mortgage Home equity loan or line of credit	Loan modification,collection,foreclosure	MI 49508	Web

07/03/2012	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	NJ 07103	Postal mail

06/06/2012	Yes	Mortgage Home equity loan or line of credit	Loan modification,collection,foreclosure	CA 95391	Web

06/05/2012	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	CA 91766	Postal mail

05/07/2012	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	FL 32779	Web

05/02/2012	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	MI 48503	Referral

04/21/2012	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	NC 28117	Web

02/19/2012	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	NH 03858	Web

02/07/2012	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 93015	Web