| 08/12/2015 |
Yes |
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- False statements or representation
- Attempted to collect wrong amount
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Web |
Servicemember |
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When the economy turned bad XX/XX/XXXX and worst XX/XX/XXXX, we 've experienced unemployment, rehired temporarily, then unemployed and rehired part-time only. Our finances took a hard hit and we were living pay check to pay check.
Since XXXX XX/XX/XXXX & till today, we 've received misinformation by the mortgage debt collector both over the phone and in writing.
The debt collector would always state that we never kept our payment arrangements therefore they could not honor any plans that we tried to make with them, when in fact the collector was the bully who set unrealistic payment dates and amounts for our mortgage. For us, it was not it was not so much the amount but the date that the collector wanted. While we always wanted the dates that coincided with our paychecks, it was never approved by the collector. The collector stated that it could not be done. Therefore we had no choice but to agree to the collector 's date. In retrospect, it appeared like a setup.
XXXX XX/XX/XXXX, we made a {$5000.00} money wire to them. When XX/XX/XXXX XX/XX/XXXX rolled around, we received a letter approx XX/XX/XXXX XXXX, stating our loan was in default again since we did not meet the XX/XX/XXXX XXXX date. We called the collector and reminded them that our payment was for XX/XX/XXXX ( to include the late fees ) because our paychecks posted on XXXX XX/XX/XXXX & XX/XX/XXXX.
The collector insisted that it was not an arrangement that was made with them, therefore, our loan was right back to the large amount due of approx {$3500.00}. All arrangements were off the table and back in default. It was ridiculous since we had just paid {$5000.00} in XX/XX/XXXX and our funds were exhausted until our next paycheck in XX/XX/XXXX. The collector knew that and agreed to XX/XX/XXXX. ( Note : Payment of {$8500.00} in 27 days was unrealistic. ) So, XX/XX/XXXX the collector sent us an application packet for a loan modification. We completed the application and mailed it in XXXX XX/XX/XXXX. In the interim, we were communicating back & forth with the collector. Again unrealistic payment dates were being set up by the collector. Consequently, we continued to get blamed for not keeping the dates that we never set up but was forced to agree with so that the collector had something to log in their computer system. Many times, we were given erroneous amounts and dates depending on who we talked to.
In XX/XX/XXXX when we asked for the status of our modification loan, we were told some paperwork were missing. We then sent it and rec 'd and acknowledgment letter.
In XX/XX/XXXX XXXX, we asked again about our modification loan application. The agent checked, came back on and asked us for income numbers, loans, etc. In the end, the agent told us we did n't qualify for the modification. The agent stated that we could be told we did n't qualify over the phone. We stated to her that the numbers we just gave were estimates but that she should check our application instead. We were stunned. I asked what about the application numbers and she stated that she had to take the numbers that I had just given over the phone. We thought " Unbelievable ''.
In that same conversation, we were given an amount of approx {$7400.00} that we had to pay on XX/XX/XXXX XXXX. Again the date arranged by the collector. Based on the numbers we had given, the agent stated that the {$7400.00} needed approval from her supervisor. The agent came back on the phone and stated that her supervisor disapproved the {$7400.00}, therefore, the total amount due on XX/XX/XXXX XXXX was approx {$7900.00}.
On XX/XX/XXXX XXXX, I rec 'd a letter from an Attorney 's Office stating the entire amount of the loan, {$71000.00} was due. I was shocked and confused because the XX/XX/XXXX XXXX arrangement meant nothing at that point. We 've called the attorney 's office 3 times with no success. We spoke to the collector on XX/XX/XXXX XXXX ; they had no idea why we rec'vd that letter & wanted the {$7900.00} anyway. Their practices appear shady & haphazard.
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| 08/04/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan modification,collection,foreclosure
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Web |
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In XXXX at age XXXX I was permanently XXXX by successful treatment for XXXX XXXX XXXX. My husband was XXXX by early onset XXXX 2 years before. Our income was lower but my credit score was excellent. I applied for a loan modification with XXXX XXXX XXXX. We had rental properties & that meant faxing XXXX pages. They lost it & I faxed it again. I continued complying between emergency hospitalizations before & after the death of my husband in XXXX at age XXXX.
At the same time I applied for & was granted a loan mod on a rental house by XXXX XXXX XXXX. One application & it was done.
I hired a loan mod consultant who carried on my efforts until XXXX when XXXX inexplicably sold my loan to Residential Credit Solutions. I had never been denied on any basis & my income fit the HAMP criteria. I had been assured that my most recent application would succeed. I thought I had been granted a modification, but then I was dealing with RCS.
I first spoke many times with " XXXX. '' XXXX told me me to reapply. Then she was out of the picture and a man named XXXX was my contact.
I had to explain it all over again. XXXX called and asked for new documents often. It seemed like I was n't taking proper notes so I asked him more than once to supply his requests in writing, but he refused every time. I also asked if RCS serviced my loan or owned it as my lender. XXXX said RCS was my lender, not the servicer, & that I owed RCS the loan amount.
XXXX says XXXX is.
In XXXX I was exhausted and hired attorney XXXX XXXX. I spent {$6000.00} on his help. He repeatedly asked in writing that RCS show they had the right to service, collect, or take any actions regarding my loan. They never did. Now six years later ( four with XXXX and two with RCS ), RCS says they will foreclose on XXXX XXXX.
I invested {$120000.00} I had earned when I was well, in my house. I paid {$810000.00} for it, but a review appraiser said {$650000.00}, & that the appraiser used comps from a wealthier town and added XXXX square feet. I reported it to the California board of appraisers.
The house works for my XXXX because I can rent rooms to supplement my income. It is a good arrangement because I normally rent rooms to people who can help me with things I can not do. I ca n't always drive.
However, RCS caused notices to be posted on door & my roommate XXXX thought I had lost the house, accused me of lying to his family & became hostile & stopped paying the rent last winter. He brought strangers in & rented the garage for a man to live in. He went to the house next door, which I own, & left a note & a notice about my RCS loan, to make me look dishonest and make them worry. That was false. I had to evict him, & my other tenants next door moved out. XXXX told a neighbor I was cheating him & said he would lie in court. He did lie in his response but we settled out of court by him leaving. This cost {$11000.00} + the cost of eviction this year.
In XXXX XXXX was fined for mishandling loan mods & is now granting them. If I had n't ended up with RCS my years of effort would have paid off. RCS was just fined & ordered to stop foreclosures on people who had loan mod trials in progress when their loans were sold to RCS. RCS has to identify which of their loans were in trial periods. I might be XXXX of them.
Because XXXX and RCS handled my application incompetently this process has gone on for six years & my arrears is {$260000.00}. If XXXX is being penalized, I have accrued that debt for their malfeasance. I was not denied a loan mod for lack of income by XXXX. RCS has denied me for lack of income. They never told me how much I needed. I could have adjusted my rentals.
I acted in good faith during medical emergencies, my husband 's death, & harassment. My $ XXXX is in my house so I ca n't buy another. RCS XXXX XXXX have made the last six years into a nightmare. Why did I survive XXXX? For this?
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| 12/06/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan servicing, payments, escrow account
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Web |
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( Entire letter will be mailed to the XXXX. XXXX address ) : Issues : increased payments, making payments, loan modification, forced into foreclosureI am being forced into foreclosure by RCS. There has been absolutely no assistance or help whatsoever. There has been plenty of hindrance from RCS. My first intro to RCS - under a different loan number - coming from XXXX XXXX XXXX - my mortgage payments were under {$1800.00}. It seemed as if almost every two - three months I was making a different payment amount to my mortgage. I fell behind one month in my mortgage. Every time I tried making a payment, I was told that I needed to make an additional payment. If I called in to make a one month payment, I was told that I needed to make a payment for two months. When I would have the money to make the two months payments, I would be told that I needed to make a payment for three months. With being told that every time, it pushed me further into the hole of being behind. Who turns down payments from a borrower who is actually trying to pay their mortgage? When I was asked for XXXX payments, I asked if XXXX of the payments could be spread out over six months, or put on the back - end of the loan. Each time, the staff would come up with a ridiculous amount of payment, saying that I needed to pay half of what is owed, and the balance could be spread across six months. What was considered as half included late fees and other fees - they were n't able to explain - and was totaling the same amount as what they were saying I needed to pay anyway. By XXXX 2015, I was being told I had to pay $ XXXX. This covered months XXXX, XXXX, and XXXX. At that time, I was being told that my payments had increased to {$20000.00} from {$1800.00}. I had to empty out my IRA to make this payment. I mailed the payment to RCS due to they do not take payments over a certain amount over the phone. The payment - via personal check - was received on or about XXXX/XXXX/2015 and cashed. Recently, I fell behind, as in never being able to catch up to be current with the way RCS staff and management had been operating. In XXXX, I called to make a payment ( which would cover XXXX and XXXX ). I was told that since XXXX was " around the corner, '' I would need to pay for XXXX as well. I was n't able to pay three months worth of payments at that moment but I did have payments for two months. Payments continuously were denied. Again, who turns down a payment? Why was it impossible to make payment arrangements that benefit the borrower in assisting with becoming current. RCS has n't been helping. I complained each time that I was being pushed further back in my mortgage. Did n't seem to bother RCS. At the end of XXXX, I called to make a payment for XXXX, XXXX, and XXXX. The female staff I spoke to spoke with the manager, stating I needed to make a payment for {$6000.00}. I mailed the payment - using a personal check as before - on XXXX/XXXX/2015 and was not successful in having the payment applied to my account. Speaking to the same unpleasant manager, I 'm told the payment had been received but returned on XXXX/XXXX/2015 due to legal proceedings had begun. I was floored by his response at this point. I was unaware of the onset of legal proceedings or a foreclosure. The manager on XXXX/XXXX/2015, stated even though I mailed a {$6000.00} payment, I now needed to send in {$10000.00} by the middle of XXXX. The balance would spread over six ( 6 ) months. Never informed of balance. I am sure the receipt of the {$10000.00} will then say I need to pay more money again. I have applied for a loan modification, the manager said legal process/foreclosure will still continue. How is RCS helping when foreclosure proceedings remain as if borrower has n't made several attempts yet denied making any payments? Enough is enough. I need my home and should not be forced out into the streets!
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| 05/20/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan servicing, payments, escrow account
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Web |
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Residential Credit Solutions , Inc. acquired my mortgage loan from XXXX incorporated in XXXX. RCS raised my mortgage for my XXXX payment by almost $ XXXX because they say additional funds are required to keep my escrow account from falling below their required minimum amount. My escrow amount has been sufficient for XXXX other mortgage servicers. The reason XXXX thinks my escrow funds are insufficient is that they decided my insurance payment is {$4600.00}. It is, in fact, {$1400.00} this year.
I called on XXXX and talked with a customer service agent. He said that he had no insurance information on file with my loan. So it looks like I have not homeowners insurance - but they have never sent me a request for the information or notified me that they are lacking the information. He said they have no record of my past payment amounts. I asked why that information was not forwarded from XXXX incorporated when they acquired the loan. He ca n't answer the question. He tells me I have to call their insurance department at a separate number. I call the insurance department, which requires going through their long login process again. The insurance department rep says she can see that I paid XXXX {$1200.00} last year - so apparently the do have a record after all. After putting me on hold XXXX times for at least XXXX minutes each, she tells me that the issue has nothing to do with the insurance department and I have to call back to the customer service department to straighten out my escrow account. By this time customer service is closed for the evening because I have been on the phone with them so long.
On XXXX, I try the process again. I first called the insurance department to get the fax number to which my insurance company can send the proof of coverage and invoice for my XXXX payment. I finally get somebody competent in insurance ( XXXX ). She tells me that they have a access to a database in which they can look up my insurance policy. In XXXX seconds she had the policy, linked it to my account and flagged it for sending the disbursement by the XXXX XXXX due date. She then calls to customer service to explain that they need to straighten out the escrow account. When she transfers me to that person, they act as if they ca n't hear me on the end of the line and then they hang up. I call back, going through their laborious code entering process yet again.
I get a new customer service representative ( XXXX ) who says that my account shows no information about my insurance no carrier or policy. He says my payment is {$4600.00}. He tells me I need to call the insurance department. I explained repeatedly that I had just gotten off the phone with them and they told me to call his department. I asked him to call XXXX in insurance. He refused to do it. I asked to talk to his supervisor. He refused. I kept asking him to either talk to XXXX or let me talk to someone who could solve the issue. He kept telling me that I needed to wait for a few days for " things to update ''. I told him I wanted it resolved immediately because I did not want to pay {$400.00} I do not owe on the mortgage payment that is due XXXX XXXX. He told me I did not need to pay until the XXXX. I told him I would absolutely pay on the XXXX because that is when it is due so that is when I pay. After many tries he finally, he said he was passing me to his supervisor ( XXXX ). When she picked up the phone, she acted like she could n't hear me and she hung up.
They are engaging in predatory behavior. Raising someone 's mortgage by 18 % due to a fictitious insurance amount they generate and lying that they do not have my past insurance information when they do have it and also have easy access to my policy information. They are entrusted to pay my taxes and insurance. If had not contacted them, they would have let the insurance due date go by without paying
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| 12/09/2015 |
Yes |
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- Loan servicing, payments, escrow account
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Web |
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( Pt XXXX from Case number : XXXX ) I was informed the {$10000.00} payment agreed to on XXXX 2015 was still good. It should have never gotten to this point. The female mentioned the actual price keyed in the system was {$10000.00}. The manager never mentioned " XXXX '' when discussing the ridiculous repayment plan with me. I asked, what would have happened if I had only mailed in the {$10000.00}. I was told it would not have been accepted. A {$10000.00} payment to reinstate the loan would have been denied for XXXX? What is the purpose of the manager leaving that out? To further put me into the hole? As mentioned I have applied for a Loan Modification, submitted the package on XXXX 2015. On XXXX XXXX 2015, they needed more documents. I do n't understand any of this process. Do n't think RCS does either. For the repayment plan, staff mentioned they had to run my " financials '' to see if I qualify. Why? RCS knew they were going to ask for an outrageous repayment, knowing I am requesting a Loan Modification to DECREASE my payments. First, I am forced into foreclosure due to RCS denying payments of what I had. Who refuses a payment? Unbeknownst to me, RCS put me in foreclosure. There was no notification or warning. Speaking with many at RCS, this was never said to me. Then to return my payment of {$6000.00} ( after it was approved via telephone ), pushed me further into delinquency. I 'm informed on XXXX 2015 - when I call about the {$6000.00} - the loan was sent to the Legal department XXXX/XXXX/2015. The repayment includes XXXX payment, late fees ( they never accepted any of the payments ), and Legal fees ( when no one ever tried to work with me ). When asked about the amount to spread over months in repayment plan, I 'm first told {$4400.00}. The loan mod should give some relief. When the legal fees amount came in, they were {$1500.00}. All of these preventable fees made my repayment {$3300.00} for the months of XXXX - XXXX, and {$3000.00} for XXXX. Yet I want/need and applied for a decrease?? XXXX! The nightmare just continues, yet, staff is programmed to say they are helping. If my mortgage payments are {$2000.00} and I have applied for a Loan Modification to decrease these payments, and the Loss Mitigation department gives me a repayment that increases my payments over {$1300.00} for five ( 5 ) months. Where does this say the borrower is being helped? I asked if the ridiculous amount being added on could be spread over twelve months ( as opposed to six months ), the female staff claimed she had never seen that happen before ( all while telling me that I could n't afford the repayment amount ). Putting me on hold to speak with the manager, the female staff tells me that in order to have it spread over twelve months, I would have to fill out another financial package like the one I had already submitted for a Loan Modification. The new loan modification package would override the previous package I had submitted to lower my mortgage. This is helping me to face foreclosure again at the scamming hands of RCS. The attorney fees should not be my responsibility when proper mortgage protocol for foreclosures and taking payments was not followed. Of course, I was told that " an approval on the Loan Modification is n't guaranteed. '' With RCS history of purposely denying loan modifications, I did n't think that was wise or smart for her to mention that. What did she suggest next? For me send in more money and to decrease my repayment amount. The point she missed was that I should not have been responsible for late or legal fees at all. Stated in my previous complaint ( ID above ), my mortgage went from under {$1800.00} w/XXXX to {$1800.00} with RCS in a year. Then XXXX 2015, RCS increased the payments to {$2000.00}. They now $ XXXX to an analysis done in XXXX. If it is in so called foreclosure why an analysis?
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| 07/20/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan modification,collection,foreclosure
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Web |
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My name is XXXX XXXX and mortgage servicer is Residential Credit Solutions , Inc. First of all, can you help me find out the name of my mortgage lender or bank. Secondly, I have not been able to get a HAMP Tier 2 or In House loan modification and I qualify. Thirdly, I was given {$80000.00} principle reduction from Keep Your Home California and the servicer returned the money back to Keep Your Home California for no valid reason. Lastly, the Servicer did not properly notify me or the HUD Counseling Agencies by telephone call, email or letter to advise us of what 's missing and to allow me more time to answer in a timely manner. Also the Servicer did not send me denied letter informing what 's wrong with my loan modification application and they should.
My loan number is XXXX.I do not know who my Mortgage Lender is and would like your help to find out? Unfortunately, my house was foreclosed on and sold back to the bank on XX/XX/XXXX in error. The foreclosure should not have happened and my house should not have been sold back to the bank. I submitted a complete loan modification package to the Servicer on XX/XX/XXXX and never received a denial letter telling me the application was incomplete, which was untrue. In fact a complete loan modification application was submitted to them. I never received a written letter or notification that the loan modification was incomplete, instead I found out about the decision on XX/XX/XXXX at a court hearing.
On XX/XX/XXXX I submitted another loan modification package to my Servicer and did not receive notification that additional documentation was needed. I was told that once it goes to underwriting they will tell me or the Agencies if something was and they did not. I contacted the Making Home Affordable ( MHA ) Escalation Team and was told that the Servicer had until Monday, XX/XX/XXXX to respond and let them know the status of my loan modification. I called Making Home Affordable on Tuesday, XX/XX/XXXX and they had not received a reply from the Servicer. I asked the Escalation team representative that this was time sensitive and that I needed to know what to do because my house had a sale date on Friday, XX/XX/XXXX. MHA representative told me that she would call me as soon as she heard from the Servicer. I called the MHA representative on Wednesday, XX/XX/XXXX and was told she had not heard from them. She told me that they could ask for more time to process my loan application. I believed that the XXXX HUD Approved Counseling Agencies sent the Servicer complete loan modification package according to the guidelines. Also I was calling the Servicer every day and spoke with their attorney on XX/XX/XXXX by telephone and email. The attorney after our telephone conversation responded to me by email on XX/XX/XXXX stating that Residential Credit Solutions , Inc. had received the loan modification application package from both HUD agencies and had not reviewed it yet. In the attorney 's email he asked me not to contact the XXXX again. I called the XXXX XXXX representative on XXXX, XXXX/XXXX/2015 and was told that they had received a response from the Servicer and she was turning it over to her supervisor for processing and she would call me on Friday, XX/XX/XXXX the day of the sale to advise me of what her supervisor said. She also reinterated that they could postpone the sale. I explained to her that I would like more time to apply for another {$100000.00} principle reduction from Keep Your Home California. I explained to the MHA representative that the sale date was on Friday and she let me know she would call me on Friday and that they can request 30 additional days to process my application if they did not follow the MHA guidelines.
My complaint is they did not follow MHA guidelines when they said that they contacted the XXXX agencies.
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| 11/05/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
Older American |
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My home in Colorado was damaged by hail in XXXX, 2014. The insurance company sent me several checks to cover the damage. All of the checks had as a payee the mortgage company, Residential Credit Solutions ( actually, they are servicing the loan ). I endorsed all of the checks, and then sent them to RCS as they requested. RCS is now holding the money in my escrow account, and will not release it to me. The amount of my money which they are withholding from me is {$22000.00}. I have made several requests to RCS that they send me my money, but I am just getting the royal run around.
You should know that I have completed all of the repairs to my home. It is in much better condition than before the hail storm. For example, while it was necessary for me to replace the roof, instead of replacing it with a less expensive composite roof, I replaced it with a high grade tile, thereby greatly increasing the value of the home. The amount that I spent on the roof was greater than I was reimbursed by the insurance company, and I paid the difference out of my own pocket. The same is true of the damage to the deck, as well as damage to the exterior paint on the house. I spent alot of money out of my own pocket to preserve and protect the asset.
RCS has continually set up more and more hoops for me to jump through. First they wanted me to sign a statement saying that I would be responsible for the repairs, and that my house would be in the same or better condition than it was in before the hailstorm. I signed the statement for them, because it is a true statement.
Not being satisfied, they then asked me to sign a statement saying that there would be no material man 's lien or mechanic 's lien on the property as a result of the repair work. I also signed that statement, since it is true. There are no liens on the house, and there will not be any.
Not being satisfied, RCS then sent out their own inspector to view all of the repairs. I took him through the house and showed him that everything had been fixed/ I showed him everything. He took many pictures, and sent them to RCS.
As if all this was n't enough, RCS now wants me to send them all of the receipts. This is entirely unnecessary to protect their financial interests, and is being done solely for harassment. I say this because RCS has a lien on my house in the approximate amount of {$300000.00}. THEY ARE IN FIRST PLACE. The house is currently valued at over {$900000.00}. Even if any of the materialmen had not been paid, and they have all been paid, any mechanic 's liens would not affect or jeopardize the financial interests of RCS. As previously stated, their loan of {$300000.00} is in first place on a {$900000.00} house. There is nothing in the documents which gives them the right to request all of the receipts, considering all of the other hoops which they have had me jump through. Their financial interests are adequately protected. Plus, they had their own inspector come out and personally inspect the repairs. These people have more than enough information to make sure that their financial interests are adequately protected. Obviously, it is important for me to preserve the asset. I have never missed a mortgage payment, and I have never even been late with a mortgage payment in over 40 years of home ownership.
I have had to borrow money from the bank to pay the contractors who performed the repairs, since I did not think it was fair to ask them to wait for their money.
I try to choose my words carefully, but I honestly believe that RCS is trying to cheat me out of the money which is rightfully mine. They are acting in bad faith. The repairs were completed months ago, and they are still refusing to release my money. I have jumped through all of their many hoops. They are adequately protected. Enough is enough.
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| 11/04/2015 |
Yes |
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- Loan modification,collection,foreclosure
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Web |
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I agreed to a streamlined loan modification with XXXX only to avoid forclosure even though i had previously sent documentation of payments and cancelled checks that showed I owed them nothing after completing a chapter XXXX bankruptcy. I completed the trial modification payments and was sent the final modification agreement to sign and notarize in XXXX 2015. At this time I sent the signed and notarized final loan modification documents in a timely manner along with the 1st payment as requested that was to be posted for the XXXX 2015 payment per XXXX. This was sent in XX/XX/XXXX. Around XX/XX/XXXX I went online to XXXX and saw that my loan was to transfer to Residential Credit Solutions by XXXX XXXX and I became a little anxious because I had heard horror stories about loan transfers in the middle of loan modifications. I waited to receive copies of my executed final modification agreement but had not received anything by XXXX XXXX. I did not worry however because I knew next payment per final loan modification papers indicated my next payment was not due until XXXX 2015 despite me not having received the final documents with XXXX signature. On XXXX XXXX I was elated to have received copy of the final executed loan modification document that was signed by XXXX XXXX/XXXX/15. Two days later I received another package in the mail from XXXX that was congratulating me on being approved for a Streamlined Trial Modification. I thought this was a joke since I already had a copy of a signed and executed agreement from XXXX on a permanent loan modification. These new papers offering me a trial modification also had different terms than my final papers And it indicated I would have to make my first trial payment that would be applied to my XX/XX/XXXX payment!!!. This was ludicrous since i had been finalized and did not owe for XX/XX/XXXX anyway!! I immediately called them but was told they no longer serviced my loan because it transferred over to Residential Credit solutions and I would need to handle any concerns with them. I was livid because this was playing out just like all the horror stories I had heard about. I did call Residential Credit solutions only to be told XXXX infomed them I was under a trial modification and that my trial payment for XXXX was due. I told them I have an executed final loan modification signed by XXXX and that i was not entering another trial agreement. Since then they have sent me papers stating my mortgage at the terms it was before the permanent modification with a due date of XXXX XXXX, 2015 and you can only imagine whats next. I am sick and tired of the fraudulent games being played by mortgage servicers and want an attorney to ask for a full accounting of my loan during the entire period it was serviced by XXXX so that I can prove they have received every payment from me and that i am not in default. In the meanwhile it needs to be noted that I have yet to receive any such papers indicating that there has been an error in the terms of the permanent loan modification. I only received new documents inviting me into a trial modification as if i had never entered one! Who does that?? especially after they have executed a final mod and then transfers your loan?!!! Once again this is all by design to XXXX the consumer while they get money from XXXX XXXX for drawing up a modification. Someone also needs to look into whether these XXXX companies are affiliated with one another because this is flat out fraud! Ultimately I want to be vindicated since my records indicate I owed XXXX nothing before they threatened me with forclosure. I had just completed a chap XXXX and somehow they made up i still owed them {$13000.00}! If this was the case wouldnt they have filed motion to lift automatic stay while i was still in bankruptcy?
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| 05/16/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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My loan servicing was transferred from XXXX XXXX to Residential Credit Solutions , Inc., ( RCS ), in XXXX XXXX. I had hail damage to my property in XXXX that was repaired in the first half of XXXX, before the transfer. XXXX held the insurance payments in escrow releasing about half when the repair contract and other required contract was signed and the remainder when the work was deemed completed.
Unfortunately XXXX had co-mingled the funds with another mortgage I still have with them for a rental property that was not satisfactorily completed in that timeframe and as a result I held some of the checks back from the roofing company and as a result they expired after 90 days. All the paperwork was in for my house and all the work had been completed before the transfer but because they co-mingled the repair funds with the other loan and property, and there were issues with the quality of work at both properties and significant delays at the rental property, I held the final checks back from the roofing contractor and until very recently, he was OK with that.
I 've gotten numerous letters from RCS asking me to contact them about the roofing repair. I do n't understand this since the repair was completed when XXXX had the loan, all the paperwork was submitted and I thought all funds were released. In the letters RCS says they have been unsuccessful in reaching me, asking for phone numbers, etc. They also asked for my SSN which they should have had received from XXXX when they transferred the loan. I have XXXX mortgages and at least XXXX have been transferred in the past year but only RCS seems incapable of using the transfer information to find my phone number and SSN. In fact I know RCS had my phone number since they called me last XXXX to advise me of the transfer.
On XXXX XXXX, XXXX, I sent letters to XXXX and RCS Customer Relations about the checks that still had n't been reissued after multiple written and verbal requests. In the letter to RCS Customer Relations, I asked that they get with XXXX to get the information they needed and stop sending me these silly notices. I 've gotten XXXX more since then which I 'll attach. I 've double checked the address of the letter I sent to RCS. It appears to match the address for Customer Relations in their notices to me and it has not been returned in the last 70 days by the postal service.
XXXX did call me and eventually send me a check for the larger amount. They still owe me about {$240.00} which I will submit as a separate complaint against XXXX. XXXX said there would be a delay in getting the funds for the {$14000.00} check as they had sent them to RCS. Eventually I received a check for {$14000.00} which I 've since cashed.
I also received a check from RCS in the amount of {$20.00} dated XXXX XXXX, XXXX with little or no meaningful explanation. Other than that I 've had no response to my letters to RCS other than for them to continue to send me a computer generated letter asking me to contact them about the repairs. They have given me no written confirmation of the letter I sent to Customer Relations, nor have they called me. Clearly they have my phone number if they need it. Unfortunately their computer is stuck in a loop as far as sending these letters and they do n't have the staff and/or courtesy to respond to my letter of XXXX XXXX, XXXX.
They still show I have an escrow balance on my statements of {$1.00}. That has n't changed since they picked up the loan servicing and shows up on every statement. Since we agreed I would n't escrow and would pay the taxes and insurance directly, I do n't understand what that is or why they are holding it but it 's so small, it 's hardly worth making an issue of.
|
| 06/23/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
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|
Web |
|
|
As a result of the financial crisis and diminished household income during that time, my mortgage fell into default in XX/XX/XXXX. Subsequently, the plaintiff, and alleged owner of my loan, Deutsche Bank National Trust, filed a Mortgage foreclosure action in XX/XX/XXXX(See exhibit XXXX). After researching numerous programs for assistance, I filled out an application with the XXXX Help Program which executes the Federal Hardest Hit Fund for our area. This application was initiated in XX/XX/XXXX (see exhibit XXXX).
As I'm sure you are aware, the Federal Hardest Hit Fund, along with most other assistance programs, has certain requirements in order to complete the application and receive the assistance. In this case, and in order to comply with the program requirements, the past due amounts must be provided and the fees itemized in order to complete the application process. Shortly after beginning the application process, I contacted the XXXX law firm which is the firm representing the plaintiff. I requested documentation in compliance with the South Carolina Help Program (Federal Hardest Hit Fund) program requirements. The XXXX attempt by the plaintiff's law firm was in XX/XX/XXXX (see exhibit XXXX). As you can see, the fees and costs were lumped together in one number and was found to be unacceptable by the staff of the South Carolina Help Program (Federal Hardest Hit Fund). Numerous other attempts were made during the past 3 years to obtain a reinstatement letter in compliance with the program requirements. The most recent correspondence being in XX/XX/XXXX (see exhibit XXXX). As you can see in this letter, the fees and costs are again lumped into one amount and this is again not in compliance with the requirements of the program. XXXX footnote with this letter is the fee and cost number is lower than the XX/XX/XXXX letter. This leads me to believe that some of the fees and costs are now lumped into the delinquent payments and advances number. However, without a specific break down of each number, I cannot correctly determine their containment.
As a caveat to this situation, the South Carolina XXXX Court implemented an intervention requirement for Mortgage Foreclosure actions in XX/XX/XXXX. XXXX of the provisions of this order is specified below:
(c) that the mortgagor has been afforded a full and fair opportunity to submit any other information or data pertaining to the mortgagor's loan or personal circumstances for consideration by the Mortgagee.
In a letter to the XXXX Law Firm, I requested additional time in order to submit accurate tax returns which best reflected my financial situation (see exhibit XXXX). In their response to my letter, the law firm denied my request (see exhibit XXXX). Needless to say, the staff of the XXXX Law Firm ignored this intervention requirement and moved ahead with the foreclosure process.
Moving forward to today, I have not yet received itemized numbers which are sufficiently broken down in compliance with the South Carolina Help Program (Federal Hardest Hit Fund) and therefore my application remains pending. Rather, the attorney XXXX along with his paralegalXXXX, both of the XXXX Law Firm, and on behalf of the plaintiff, has just recently filed a Notice of Supplemental Hearing (see exhibit XXXX). After confirming, I learned that this is indeed an attempt to set a sale date on my residence.
In conclusion, the plaintiff, XXXX, through its counsel, the Finkel Law Firm, seems intent upon "Dual Tracking" this entire process rather than simply providing the itemized numbers in compliance with the South Carolina Help Program (Federal Hardest Hit Fund).
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| 06/16/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan modification,collection,foreclosure
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|
Web |
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|
Over a period of two years, I have written XXXX RESPA QWRs to Residential Credit Solutions ( RCS ) to try to find out the status of the foundational documents of my loan, the XXXX mortgage on my house. In XXXX of XXXX, RCS hired an attorney to threaten me with foreclosure. In XXXX of XXXX, a different attorney sent a letter to me writing that they were the new attorney hired by XXXX to threaten foreclosure on my house. I have seen the people drive by my home to take pictures of my house to see if we have moved out or not. This is not a RESPA QWR. I am utilizing the CFPB complaint system to see if this will motivate you to answer my questions in good faith.
1. In almost all of your responses to my QWRs you write, " Servicing is defined very narrowly in RESPA to be the receipt of scheduled payments and attributing those payments to principal, escrow, and otherwise as required by the note ( RCS Letter XXXX/XXXX/XXXX ). '' If you are threatening me with foreclosure with XXXX different attorneys as the servicer of my loan, why do I not have the right to question errors made in the foundational documents, assignments, and chain of ownership of the Promissory Note and Security Deed? If threatening and carrying out foreclosure is not a duty of the servicer in that narrow definition, then why are you doing it?
2. Why did it take RCS so long to respond to our QWR received on XXXX XXXX, XXXX? We even received a letter from CFPB acknowledging that you were late in your response. The answers to my questions should be right at your fingertips, especially about the foundational documents of my loan if you are going to threaten me with foreclosure. It appears that you spent more time researching what you thought you were not legally required to answer instead of acting in good faith and answering my questions.
3. You have written in your letters to me that you are not required to give me the name of the Trust or the Trustee holding my Note. According to my original Promissory Note for this loan, the Note holder has the power to foreclose. If the Note is in a Trust, then the Trust is the Note Holder. I have a right to know who the Note Holder is, thus I have the right to know the name of the Trust and the Trustee. Please provide the full name of Trust where the Note Number is trading, or has traded, and the identifying Series of Certificates. ( Note : If the note number is being traded in a XXXX Trust or XXXX XXXX Trust, please provide all information to identify the Trust ( i.e. XXXX XXXX Number, XXXX Number, XXXX or XXXX Trust Number and Trust Class/Tranche ).
4. Please provide proof that the Assignment on file in the County Clerk 's Office is not fraudulent and verification that the XXXX Vice Presidents who signed the Assignment were employees of XXXX XXXX on that date. The Assignment on file in The County Clerk 's Office in our county was dated by XXXX from XXXX XXXX, Florida in XXXX on the same day as our Meeting with Creditors in Federal Bankruptcy Court. However, XXXX did not file it until two months later in XXXX. I have read in research that XXXX and XXXX was a time period of fraud, robo-signing, and forged documents in the mortgage and foreclosure business practices. I want to make sure that this Assignment is authentic! Please note that I am not asking about the assignment dated XXXX/XXXX/XXXX of servicing rights from XXXX XXXX to RCS attached in my supporting documents. What concerns me is that transfer was not accompanied by a new Assignment of the Security Deed from XXXX XXXX to RCS, XXXX, or to XXXX. Where are those Assignments?
|
| 06/04/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
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|
Web |
Servicemember |
|
In XXXX 2015 my mortgage company RCS requested to lift the bankruptcy protection that I have on my home and allow the foreclosure process to begin. They informed my attorney that I was XXXX months in arrears. It was determined that they had placed XXXX payments in a suspense status and had never applied the payments to my mortgage. I was forced to present them with proof that these payments had be deducted from my bank account which they have on record. This also meant that the year end XXXX calculation was incorrect. the year end XXXX reported that I paid XXXX interest. The corrected amount would be {$11000.00}, since I was in an interest only loan for the last XXXX years. After the payments were applied, I verbally requested the corrected XXXX the last week of XXXX 2015. They repeatedly offered the same incorrect XXXX even after my payments were posted to my mortgage and proof was provided. On XXXX XXXX, 2015 I was told that the escrow department was responsible for creating the correct XXXX. On XXXX XXXX, 2015 I spoke to XXXX in the escrow department who stated he would request the corrected XXXX and that it would take XXXX days for the corrected XXXX to be sent to me. I routinely checked the status of my request for the corrected XXXX. Not once during the follow up conversations did any representative state that I needed to submit the request in writing. I waited the XXXX days still no correction. I contacted RCS on XXXX XXXX, 2015 and was told that the corrected XXXX would not be prepared until I present the request in writing. I submitted the request in writing. Confirmed receipt of the document on XXXX/XXXX/15. I than told the legal department is reviewing my request and if approved it would take another XXXX days. Please help me. They have deliberately prepared a fraudulent XXXX. I truly believe it was deliberate tactic because they timed the missing payments, to justify foreclosure and the reduced interest on the XXXX so that I would have no means to bring the mortgage current. If I were an illiterate person who will quit at the sight of a struggle they just may have me and my son on the street right now. Who knows how many more this attorney has done this to!. Also RCS deliberately placed my payments on hold to allow them to force my mortgage into foreclosure.They are also attempting to discredit my work history by inferring that I have not worked for every thing that I have. It XXXX my stomach to think that some antiquated XXXX can not digest the fact that I worked all of my life, every chance that I could to have what I have just like my parents did. And I believe this legal department has deliberately hindered any chances that I had to get the mortgage modification because of these inferences. Did they really present my request for a mortgage modification to the owners of my mortgage. They have charges for legal fees for foreclosure when in fact the foreclosure was a tactic and was never legitimized. I have told them repeatedly that my income tax will allow me to bring my mortgage current. Each time that I call they become more hostal, avoid straight answers and pass my call from department to department. I also have determined that the attorney representing them is right here in XXXX Delaware and is a part of a some form of supremacy group who wants to force my my son and I out of our home of XXXX years. I feel so victimized.
|
| 11/12/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
Servicemember |
|
RCS Loan # XXXXInvestor - XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX XX/XX/XXXX XXXX serviced this loan for XXXX XXXX. A Notice of Default and then a Notice of Trustee sale were filed. The sale date was set for XX/XX/XXXX at XXXX. XXXX called our clients and told them that they were required to move out of the property prior to the foreclosure auction. Unfortunately, our clients did XXXX they actually left the state ). I am assuming you can guess what happened next .... XXXX cancelled the auction and did not notify our clients. Our clients have believed for the last 6 years that they did not own the property. Our clients contacted us for help in early XXXX when they received a document from RCS that they were now servicing their loan ... .. and to their surprise ... they still owned the condo.
On XX/XX/XXXX we submitted a Short Sale Package was submitted to RCS.
On XX/XX/XXXX XXXX at RCS stated the commission must be reduced to XXXX % and they will not pay back HOA.
On XX/XX/XXXX we spoke with XXXX again. He said that the investor is refusing to pay business tax, refusing to contribute anything towards HOA, and they will not pay HOA transfer fee. XXXX claimed that the investor, XXXX XXXX, will not contribute towards past HOA dues stating " They should have been paying while they lived there, and instead they kept taking money from the government and got to live there for free ''. XXXX said we must provide corrected HUD in 7 days or will be closed.
XX/XX/XXXX - RCS sent us an approval letter cutting the commission to XXXX % and declining to pay back HOA.
There are several issues with RCS ....
1 - We have already spoken to XXXX XXXX and they have confirmed they pay XXXX % commission in a non-dual agency short sale.
2 - RCS is syphoning off the XXXX % commission and keeping it for themselves3 - the CFPB has already caught them committing servicing fraud ( see # XXXX above ) and recently fined them for this same thing.
4 -The homeowner was forced out of their home by the servicer. The sellers moved out of state due to being forced out of their home - due to the actions of the servicer. This injures the investor, seller, community and the HOA.
5 - XXXX and RCS have been running a zombie foreclosure since forcing the sellers out of their home.
6 - the HOA fees resulting from the servicers actions top {$18000.00} over the last 6 years that our client did not know they owned the property. ( The property has been vacant all that time. The sellers were XXXX after moving out, and the HOA had no forwarding information. ) 7 - Commissions and fees typically paid by XXXX XXXX are being thrown out and XXXX XXXX at RCS stated that " if you do n't like it too bad - We will just cancel the file ''.
8 - XXXX stated " They should have been paying while they lived there, and instead they kept taking money from the government and got to live there for free ''. ( ( Is he accusing an XXXX military member of committing FRAUD against their own employer-the XXXX? ) ) 9 - BOTH SELLERS are XXXX MILITARY!!!
I find it interesting that RCS chose today - XX/XX/XXXX - to send an approval letter that spits in the face of the very people that have served, given, and dedicated their lives for the freedoms we enjoy in this country.
Enjoy yet another CFPB complaint ... and Happy XXXX XXXX RCS!
|
| 04/29/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
Unfortunately, we have been paying Residential Credit Solutions Private Mortgage Insurance to the tune of {$250.00} / month for nearly XXXX years, even though our house meets the requirements to remove it. The reason we have PMI in the XXXX place, is that my wife & I got buried in our house ( at that time ) in XXXX, which we bought at the top of the market in XXXX, XXXX. That + relocating cross country to XXXX + switching jobs to be closer to family put us in a financial bind which we 've worked hard to dig out of. So, we did not have the 20 % down payment to put down on our current redidence in XXXX. We purchased our current home XXXX XXXX, XXXX. Both my wife & I have excellent credit. We were overjoyed to discover how the values in our neighborhood have sky-rocketed ( due in part to a brand new XXXX school ), but were told by R.C.S that we had to wait until we were in our home for XXXX years ( XXXX XXXX, XXXX ) before we could apply to lose the P.M.I. So, we did. I never thought I 'd say that I found a company that makes XXXX 's customer service look good, but with R.C.S, that sad fact came to be. We have been writing letters & making phone calls since right before we hit the 2 year point of ownership in early XXXX ( almost 6 months now ). We paid {$470.00} to have an appraisal done, and then the " R.C.S run-around '' started in earnest. Our house, after a XXXX errors ( including choice of comparables & year it was built, which triggered at least XXXX unsuitable comp ) was appraised at {$290000.00}. All we needed was an appraisal in the low XXXX 's to remove P.M.I completely. Had we not lost a small fortune with our house in XXXX and were we not shouldering the P.M.I to the tune of {$250.00} / month, his XXXX appraisal might have been good news. But our realtor quickly produced XXXX comps " averaging '' {$320000.00}, which I forwarded to R.C.S. Then the exact same model home as ours, built a year apart from ours, located less than XXXX block away ... sold for {$330000.00} ... a full {$45000.00} more than the R.C.S appraiser appraised our house for!
The appraiser, XXXX XXXX, told me that he 'd gladly reconsider with the new comps, but we needed to go through XXXX. When I followed up with him over a month after I 'd re-submitted them to R.C.S, he told me he never even received the ( more accurate ) comps from R.C.S! Now R.C.S reps say that we have to pay another $ XXXX to have yet another appraisal done. Whatever happened to " owning up to one 's own work ... or even mistakes ''?! XXXX of their managers, XXXX XXXX XXXX XXXX XXXX XXXX, indicated to my wife that she would work with us ( over a month ago ) so we rushed down to the XXXX store and paid to have the ( accurate ) comps faxed to her personally ( even though R.C.S had had them since XXXX XXXX! But we believed her. Then ... no word at all from XXXX XXXX ... no return calls ... no response to several messages. I 'm embarrassed as to how mad I 've gotten talking to some of their representatives. All we want is a fair appraisal ( which we 've already paid more than market rate for ) so we can write R.C.S a check ( if need be ) to meet the " remaining '' required 80 % loan to value ratio, and to end our savings account being hit for {$250.00} every month ( for nothing ).
|
| 07/19/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
To Whom This May Concern, This is just a brief summary of my mortgage loan modification experience.
I started with a mortgage loan that was originated through XXXX XXXX XXXX. My loan then got transferred to XXXX XXXX XXXX. Back XX/XX/XXXX I became XXXX and eventually lost the XXXX I had for over eight years. I had fallen behind on my payments and worked diligently on having the home loan modified. After being pre-qualified over the phone for a modification, and sending them all the documentation to back it up, I was assured I had a modification that would reduce my balance and payments.
That was a nightmare to say the least. I would send them all the necessary documents needed and every time I thought I was all set I would have to start the process all over again due to one problem or another, such as the documents being out dated because they dragged their feet. This process went on for years. I kept sending them what they requested only to get the same results. Finally one day I received a phone call informing me that I was approved credit and income wise, however they would need to have the home appraised to finalize the loan. After them paying to have the house appraised they informed me that the value came in too low. I did not agree with the appraiser and asked if I could pay to have another one done by an independent appraisal co. They told me to check XXXX, and that if it was within range they would accept it. I checked and it was within range.
I was informed, around this time, that the loan was being sold off to another servicer, which I was assured would accept their approval alleviating the need to start all over. I was notified that the new servicer was Residential Credit Solutions, and the only way they would accept my approval is if XXXX would send them something in writing. All the documentation was to be transferred to Residential Credit Solutions with XXXX 's approval of my modification ... I tried repeatedly to get in touch with XXXX, however no one at there would respond back to me. So I started the process all over again only to find out that they had different guidelines and at this point the balance owed on the property was going up and I could not qualify for a modification. I also attempted, non-stop, to find out where all the money went ( from our government and through lawsuits against XXXX ) to help homeowners with a principal reduction as this would be the only way I could qualify for any type of modification. After doing research, apparently this money, which I found through government agencies, went to non-profit organizations to assist homeowners, but still have n't seen where it actually went to homeowners direct.
I have been so disillusioned over these years, to think I tried everything in my power to have my home modified only to be lied to by the bank itself. Then, I was forced to file bankruptcy XX/XX/XXXX to stop the foreclosure by my attorney. The incompetence of the promises of XXXX XXXX XXXX has been such a stressful, drawnout process for what?
I 'm reaching out to make one last effort to save my home.
Are there any other options that I have not exhausted?
Your attention to this matter would be greatly appreciated.
Thanks in advance, Worn out HomeownerXXXX XXXX XXXX.
|
| 09/23/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
Older American |
|
I am writing to you in order to complain about a business situation between myself and the company, Residential Credit Solutions. It all started XX/XX/XXXX when I filed bankruptcy for a house on XXXX XXXX in XXXX Maryland. At the time it was was under the XXXX XXXX XXXX mortgage company. After a period of time, it was then sold to the lending institution, Residential Credit Solutions. They kept calling me to make a choice of which to choose to include : do I want to keep the house, fill out a home loan modification packet, put it up for a short sale or what? This was all really strange, since XXXX XXXX did n't do any of this or if they did I do n't remember. XXXX XXXX kept worrying to buy insurance for a property that I did n't know was still mine. I thought that the house did not belong to me anymore since I had filed for bankruptcy. I thought that filing bankruptcy was the end of the process. I did n't know that the bank had to file foreclosure first. It had been several years and now RCS was asking me to choose from all of these choices which I thought were gone for me. Finally after they kept calling, I decided to choose the house modification loan. Well that seem to be a big mistake, as I have filled out and faxed so many loan modification packets to that company and none of the packets were quite right. Either some of the dates had expired, so I had to keep sending in new up dated forms for my packet or redo sheets that just were n't right. It took months. I actually was XXXX several times during this process ( not because of the process ) but this really became mind boggling. I know that there are many necessary papers that must be filed with this process but this became ridiculous. They kept sending me so many packets through the mail. I did n't even need all of those packets. It seems like they were trying to make me feel like they were trying to help me but in the long run it seemed like a vicious game. Even 3 days before the sale of the house they told to still keep sending in papers to complete the packet. The house sale was on Friday, XX/XX/XXXX. On the following Monday, I tried to call them to see if I had finally filed the packet correctly and they said that it was too late because the house had been sold already. When I told them that someone was living in the house, they said that the sheriff would be coming by mid-week and they should be out by the end of the week. I later found out that the information about vacating the property was untrue. I knew that there was a great possibility that the house would be sold but how come it had to be them who winded up with the house for XXXX dollars less than the original price which they kept confronting with. I know that if I had gotten a loan modification it would have been cheaper but not that much cheaper. They went into this deal with all the cards and I had none. In others words they had all of the legal resources and I had next to none. It seems like a conflict of interest. How could they be looking out for my interest as well as their own. Since the house has already been sold, it is hard to fill out the information below because I was still hoping that something possibly could be done.
|
| 04/07/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
My home mortgage loan was being serviced by XXXX XXXX XXXX XXXX XXXX. I inquired with them regarding canceling the PMI insurance from my loan. They asked me to submit in writing a request to cancel my PMI insurance along with a {$390.00} check for a new appraisal. I did XXXX on XXXX XXXX, 2014. I was told the process would take no more than 30 days, this was untrue. It was not until XXXX XXXX, 2014 that an appraisal was finally completed of my home. My home valued at {$450000.00} well above the previous appraisal, qualifying me for removal of the PMI insurance from my loan. Before honoring my request XXXX XXXX conveniently sold my loan to Residential Credit Solutions. I of course immediately called XXXX financial providers and XXXX assured me that my request to remove my PMI insurance would be honored. I called Residential Credit Solutions on XXXX XXXX they confirmed receipt of my appraisal from XXXX XXXX valuing my home at {$450000.00}, but I was told it was under review. I subsequently also received my copy of the appraisal on XXXX XXXX, 2014. I continued to call Residential Credit Solutions several times speaking with different agents ( XXXX, XXXX, several gentlemen ) and in XXXX I was told nothing could be done until my loan reached the 2 year mark which would be as of XXXX XXXX. I called Residential Credit Solutions XXXX week of XXXX and spoke with XXXX ID # XXXX she was supposedly a supervisor she told me I was eligible for PMI cancellation she confirmed she saw my current appraisal on file and said she would process the cancellation. She asked me to call back in a week or so. I called back and spoke with XXXX he also advised he could see in their system my request for PMI cancellation was being processed he also confirmed receipt of my current appraisal from XXXX of 2014. He said he would call me back to confirm results of review within an hour. He never called back. I called back XXXX again spoke with XXXX she then advised me they had no receipt of my current appraisal she instructed me to fax in my copy of the XXXX 2014 appraisal to their correspondence department. I faxed over my appraisal that same day. I called back today XXXX/XXXX/15 spoke with XXXX he advised they have receive my appraisal but my request has been denied. I would have to file a whole new request with them and pay a new {$500.00} appraisal fee. I asked to speak with a manager I spoke with XXXX she advised the same they will not honor the appraisal from XXXX XXXX I would have to pay again and make a new request.
I am beyond frustrated, I followed all the requirements from XXXX XXXX I paid for a new appraisal. I have no control over the fact that XXXX XXXX sold my loan to Residenital Credit Solutions and I have been jerked around and XXXX by both XXXX XXXX and now by Residential Credit Solutions they know I am entitled to PMI cancelation and they are just trying to rip me off with demanding {$500.00} more dollars for an unnecessary new appraisal.
Please help me I am at my wits end!!!
Thank you for taking the time to read my complaintXXXX XXXXXXXXXXXX loan number with Residential Credit Solutions is XXXX
|
| 09/22/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
Servicemember |
|
My son, XXXX XXXX XXXX XXXX died on XXXX XXXX, XXXX from XXXX related issues. He had turned XXXX on XXXX XXXX, XXXX. He had purchased a home through the VA and GI Bill in XXXX. He was divorced with XXXX heir a daughter XXXX XXXX. I am seeking your help because I advised RCS of his death and advised them that as executor of his state I was selling the home at XXXX XXXX XXXX XXXX at the request of his daughter. They filed a foreclosure notice in XXXX XXXX. I had my attorney to contact them to provide me with the loan papers. They did not. I went to Congressman XXXX XXXX office to request additional help because they were ignoring my attorney 's request. I filed a complain about Residential Credit Solutions ' practices with the Consumer Protection Bureau. After about six months the documents were produced. I want to thank CFPB for their help in that matter.
On XXXX XXXX, XXXX I wrote a letter to XXXX XXXX, CEO and Residential Credit Solutions President. I advised them that I had a full offer on the house at XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX and we were due to close very soon. Everything was done and when the title company asked them to complete the paperwork to close the sale later that month, they requested a price greater that the full asking price of the house as well as the fair market value. I contacted RCS prior to closing and advised of the sale price of the home. I was told by XXXX or some young man at RCS ' office in XXXX XXXX that that they would work with us and do a short sale or find a way to let the sale go through. My attorney spoke with a representattive from RCS who also assured him that the sale would go through even if it was a short sale. I went to the RCS Office on XXXX XXXX in XXXX XXXX with my realtor and we were turned away and told that they do not do business face to face. I had to leave my information as well as the realtor 's and someone would call me back. I did receive a call later and was told that they do allow sales on a home like ours and they work would help us to help sell the house. The buyers who put a contract to purchase the home have now terminated the contract and all I have received from Residential Credit Solutions is a new point of contact letter and statements telling me how much is owed. I am now so grieved and frustrated with this process of trying to sell my son 's home that I am now seeking your help to stop this predatory mortgage servicer from preying on any more veterans .I am asking that all the fees and interest be removed, and an explanation of the unusually high escrow be explained in detail and that me and my granddaughter be compensated for the mental anguish we suffered in dealing with this mortgage company while trying to sell a house. This is very unethical and is possibly criminal. If there is any law that has been violated, I want them punished to the full extent of the law. Please help us with this company. My attorney XXXX XXXX XXXX will be sending you more correspondence regarding his attempts to get Residential Credit Solutions to resolve this matter.
|
| 11/27/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Credit decision / Underwriting
|
|
Web |
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To whom it may concern : My name is XXXX XXXX and I was the owner of a foreclosed property located at XXXX XXXX, XXXX XXXX, CA XXXX. I 've filed numerous complaints with CFPB on my servicer, Residential Credit Solutions , Inc . I am writing to you because I need your help. My servicer, Residential Credit Solutions , Inc ( RCS ) foreclosed on my property illegally. I was in process of a loan modification that was UNDER REVIEW on XXXX/XXXX/2015 after the property sold on XXXX/XXXX/2015. I have tried to get a loan modification numerous times with no success and they finally reviewed my completed loan modification application submitted by a HUD Approved counselor on XXXX XXXX, 2015 and ( REOCO a department within RCS ) did n't check with the underwriting department to verify that they had changed my loan modification Status To Under Review to modify my mortgage payments to an affordable amount. I have begged you to help me stop them from a wrongful foreclosure, not get help to modify my loan, unprofessional service, no point of contact person, losing documents, rude behavior and derogatory statements made to me. RCS Violated California Housing Bill of Rights Laws. RCS refused to tell me the name of my lender and it is not the name on my Deed of Trust. The lenders name is public record and I should have known the lenders name before RCS foreclosed on my property. Im certain that if RCS had given me the name of my lender I could have Avoided Foreclosure on my property. Knowing the lenders name before XXXX/XXXX/15 could have helped me go through programs XXXX XXXX had specifically for their borrowers. Not knowing the lender 's name and the correct lender name not on the Deed Of Trust caused me to lose my property to foreclosure. I have no where to go and I have an eviction on my refit report and should not. What can you do to help me because RCS IS WRONG and have got away with it too many times and they sold my home? How do I get my home back because California is a redemption state? You must intervene and help me Stop RCS from these illegal practices and get my HOME BACK before it 's too late.
RCS evicted me from my property ON XXXX XXXX, 2015 and all of my personal documents and some furniture is left in the house. I can not rent another place with an eviction on my credit report.
I recently found out the name of my lender this year on XXXX/XXXX/2015. HUD approved, counsellors, attorneys and I requested the real name of the lender from the servicer, RCS and RCS refused togive it to us. Since the servicer, RCS did not give us the lenders name I missed ON IMPORTANT AND VALUABLE OPPORTUNITIES THE Lender offered to their borrowers. Specifically, I missed out on applying through the lender for valuable programs to help struggling borrowers, such as myself.
I need your help as soon as possible. This is an emergency situation before I lose the home and my personal things forever. Please Help this can not wait it is urgent and need priory assistance.
Cordially yours, XXXX XXXX ( XXXX ) XXXX
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| 11/19/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Application, originator, mortgage broker
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Web |
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Please refer to my Memo and Videos attached.
A brief background - I found out XX/XX/XXXX that XXXX employee - I do not know who - placed me in a contract with a non-existent lender - XXXX a New York Corporation as of XX/XX/XXXX. An inside employee at XXXX sent me further information concerning fact that someone was financially benefitting from my monthly payments and that my loan application was changed after I signed it i.e. increased my checking account balance to meet the guidelines to fund the transaction. I know this is identity theft. I have been asking the debt collectors XXXX XXXX XXXX for the Account Loan Data from Original Lender since XX/XX/XXXX and made clear -- -- -- -- I stand on UCC 3501 and I am not in default in accordance to UCC 3501. Deserve to know the truth and expect the truth. XXXX XXXX XXXX strung me along and I believe charged off the debt to collector the ledger credit which I know about after reading the Federal Reserve Publications of XXXX, XXXX and XXXX This was not good enough for debt collectors XXXX. I also found out about the credit default swaps and default insurance taken out using my signature. Fast Forward to XX/XX/XXXX, without my permission pursuant to 15 USC 1692c, XXXX XXXX XXXX Debt collector sold my private information to another group of misconduct debt collectors - XXXX XXXX dba XXXX XXXX XXXX and also Residential Credit Solutions -- XXXX XXXX was caught lying about not having an interest in my other property in XXXX ; XXXX uses shell companies to steal real property -- -and I have the proof and witnesses which I plan to turn over to authorities. So he is the last person whom I would want to have my personal data -- -CFPB has already determined that these misconduct debt collectors purchase only electronic data. XXXX 's partner is Residential Credit Solutions Inc. also a firm debt collector. I am very well versed in FDCPA and FCRA. I teach a class every Sunday to varied professionals via XXXX.
Greed and failure to refuse to abide law and respect lives of others - I should not be punished for abiding to law and educating myself on this theft and the abuse against others who have no voice. Let 's see person hiding behind Residential Credit Solutions XXXX who chose to work with XXXX XXXX XXXX : choosing to XXXX me around and choose not to provide me with the Account XXXX XXXX from the Original Lender feel my stress and pain ; the thought of not able to house myself due to the credit issues caused by crooked XXXX XXXX who works closely with these misconduct debt XXXX and the rigged auction buyers. Let 's see this person live in their car in the cold with children. These debt collectors need to be shut down -- our lives matter!
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| 02/16/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan servicing, payments, escrow account
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Web |
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Complaint : Mortgage Servicers I find it necessary to file this dispute with your agency to protect my home mortgage from further abusive financial practices.
My Chapter XXXX Bankruptcy Case was discharged, effective XXXX XXXX. In XXXX XXXX, under the plan, I made my final payment to the Bankruptcy Trustee, to pay the mortgage and after that paid the creditors mortgage service company.
I paid the Creditor {$3100.00} ( Without Notice of Mortgage Change ) in XXXX. I paid {$1600.00} in XXXX upon recognizing a notice of mortgage change was not filed and that the service mortgage company was backdating payments. According to their records, I owed {$26.00}, XXXX to the Creditor.
A review of my loan account showed that effective XXXX XXXX, the service mortgage company adjusted the monthly mortgage payment from {$1600.00} to {$3100.00}. I was nine months past due on payments of {$3100.00}. The service mortgage company applied my XXXX XXXX payment retroactively to XXXX XXXX. From what I could determine, the service mortgage company collected {$9300.00}, or roughly {$4400.00} over the mortgage payment of {$4900.00} authorized by the Bankruptcy plans.
When I initially complained, the service mortgage company refused to listen and insisted on collecting the full amount, {$26000.00} in past due claims including {$2000.00} in miscellaneous fees. While demanding payment from me, the service mortgage company filed a Response to The Notice of Final Cure in Bankruptcy Court certifying that my loan account was current.
When presented with filing, the service mortgage company removed a substantial portion of the claim and filed a Notice of Mortgage Change, effective XXXX XXXX, XXXX, of {$3100.00}. The service mortgage company 's transaction history indicates receipt of {$3100.00} payment on XXXX XXXX, XXXX. Additionally, service mortgage company transferred the loan to a new mortgage servicer with instruction to me to make all future payments to the new servicers effective XXXX XXXX.
I paid the new servicer {$3100.00} on XXXX XXXX, XXXX, for the mortgage payment due XXXX XXXX. After that, I received notice from new servicer about an outstanding claim from the old service mortgage company for the XXXX XXXX payment. I filed a dispute with new service mortgage company in response. The new servicer applied my payment to the old servicer 's claim and demanded XXXX and XXXX XXXX payments. The new servicer advised me that the answer to my dispute could take up to 45 days.
When making the XXXX payment, I spoke to new servicer 's agent, who acknowledged receipt of my dispute, confirmed mailing address and indicated that a late payment fee did not apply to this payment
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| 12/20/2016 |
Yes |
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- Loan servicing, payments, escrow account
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Web |
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MY MORTGAGE LENDER IS CLAIMING FEES THAT ARE WRONG AND THEY CAN NOT PROVE ANY REASON FOR THESE FEES OF {$2000.00}!!!!!
I had major financial hardship about 2 years ago which led to income reduction and lots of financial problems. I fell behind on mortgage payments XX/XX/XXXX. After a few months I applied for mortgage assistance and my loan modification was approved by the lender RESIDENTIAL CREDIT SOLUTIONS ( RCS ) XX/XX/XXXX. This new modification plan brought my mortgage current and all the past dues were added to my principle balance. Loan documents that I signed XX/XX/XXXX clearly stated that As of the date of the modification approval my loan became current, and the new plan started with the monthly payment of {$3200.00} which included property tax too.
LATER ON, THE LENDER SOLD MY LOAN TO ANOTHER COMPANY ( XXXX ). AFTER FEW MONTHS THE NEW LENDER STARTED CHARGING NEW FEES AND CLAIMED THEY HAD PERFORMED CERTAIN SERVICES FOR THESE FEES, BUT THEY DID NOT KNOW WHAT THESE SERVICES WERE!!!!
AFTER MY REPEATED CALLS AND OBJECTIONS THEY STARTED GIVING ME CONTRADICTORY INFORMATION ABOUT THESE CHARGES. ONCE THEY SAID THESE FEES WERE BECAUSE THEY INSPECTED MY HOME SINCE MY HOME WAS ABANDONED!!! WHICH WAS A TOTALLY FALSE CLAIM!!!!
THEY NEVER DID SUCH AN INSPECTION, NOR THERE WAS ANY REASON FOR ANY SUCH INSPECTION. I ASKED FOR A RECEIPT OR A PROOF OF THIS ALLEGED INSPECTION BUT THEY HAD NOTHING!!!
THEN THEY GAVE A NEW EXPLANATION CLAIMING FEES OF MORE THAN {$2000.00} WERE FOR CERTAIN CITY & COUNTY FEES BUT THEY DID N'T KNOW THE NATURE OF THE SERVICE. I CONTACTED CITY TAX COLLECTORS & HOUSING AUTHORITIES AND THEY SAID NO FEES WERE DUE, NOR ANYTHING EVER RECEIVED FROM THE NEW LENDER!!!!
I CALLED XXXX AGAIN AND THIS TIME THEY CHANGED THE STORY AGAIN!!!!! CLAIMING THAT THE FEES WERE FOR EXPENSES THAT PREVIOUS LENDER ( RCS ) HAD FAILED TO PAY DURING MODIFICATION REVIEW!!!!
I REVIEWED THE LOAN MODIFICATION DOCUMENTS AND IT CLEARLY INDICATES NO EXTRA FEES OTHER THAN MY NEW MONTHLY PAYMENT WAS DUE. ALL OTHER FEES HAD BEEN COUNTED FOR!!!!!
IF THERE WERE OTHER FEES OF {$2000.00} THE RCS SHOULD HAVE DISCLOSED THEM WHICH THEY FAILED TO DO. NOW RCS MUST CLEAR THIS MATTER WITH THE NEW SERVICER AS I CAN NOT BE HELD RESPONSIBLE FOR ANY THING MORE THAN WHAT WAS CLEARLY SATED IN THE EXECUTED LOAN DOCUMENTS.
THIS SITUATION IS EXTREMELY UNFAIR, IMMORAL AND EVEN ILLEGAL!!!!
RCS AND ALSO XXXX MUST CLEAR THIS DISCREPANCY AMONG THEMSELVES INSTEAD OF JUST PRESENTING NEW STORIES AND EXCUSES FOR FALSE BILLING SCHEMES!!!!
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| 05/19/2016 |
Yes |
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- Loan modification,collection,foreclosure
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|
Web |
Servicemember |
|
I have emailed before about my situation with Residential Credit Solutions. My loan was discharged in a chapter XXXX and I had questions about how it was handled. I filed a Chapter XXXX but the Trustee changed it to a Chapter XXXX that stated all my debts were discharged. I questioned my mortgage and the Chapter XXXX discharge. After you contacted them, they responded. They sent a letter stating that the reason my loan amount is still the same is because I did not reaffirm it. The documentation that they sent me was incorrect because it stated that my loan was transferred to XXXX XXXX XXXX on the same date that XXXX XXXX XXXX said that they transferred my mortgage to Residential Credit Solution. I spoke with a representative from XXXX who faxed me the documents showing the transfer. I have never death with XXXX or heard of them before I received that letter. After the transfer from XXXX XXXX XXXX, my mortgage payments were made from XXXX to Residential Credit Solution. That was the first time I saw the letter that they said they sent XX/XX/XXXX. Since I am XXXX, I took the information to JAG, Judge Advocate General for the military, and they suggested I get a lawyer. I sent them an email, after not being able to get in touch with them, to let them know I went to JAG and will get back with them. Shortly after that, I received a letter stating that as of XXXX XXXX, XXXX my loan will be transferred to XXXX XXXX XXXX, ( XXXX ) XXXX. They were suppose to be working on a modification, which I did not hear anything about it other than that they received it. I still do not know if it was transferred with a modification or what is the true status of my mortgage. How do you transfer a mortgage in the middle of a modification withour a decision? Should n't I have been notified about the modification results prior to transferring it to XXXX XXXX XXXX? I still feel that my loan was handled in a less than on the up and up by Residential Credit Solutions. I am now in a financial position to make my monthly payments. I do not want to lose my home to XXXX XXXX XXXX, in foreclosure, because it was transferred without a modification decision. Please if I am experiencing this, I am sure others have experience this also. I have lived in my home for twenty one years and do not want to lose it. I do n't think mortgage companies should be allowed to do what they please when you are trying to save your home.
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| 03/12/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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|
Web |
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My loan was serviced by Residential Credit Solutions. I tried to work with them, including having the city foreclosure prevention office contact them while I was in the office. The city 's representative spoke to the same person I dealt with, and offered a {$10000.00} good faith payment with the request to help me modify my loan. The woman flat-out refused, and when I called her shortly afterward, she first denied having spoken to anyone, then said she had spoken to someone, but that no offer of money had been made ( I was sitting next to the man when he called her ; I did n't tell her that ). The loan was transferred so many times, the original loan documents were lost. The lender filed an Affidavit of Lost Documents with the court, which is how I found out. I went to my foreclosure hearing and brought up the lost documents to the judge, XXXX XXXX. His response : " They 'll find them. '' He signed the foreclosure order promptly. I continued to try to work with them, even finding a company who tried to negotiate with them with me on the conference call. The Residential Credit Solutions representative was very friendly, very nice, and said he would work with us to have the foreclosure order cancelled. Not long after, I learned that my house was being sold in a week, and it was.
I tried before, during, and after the foreclosure right up until the house was sold to get anyone to help. I came across this site today just making another query to be certain I had exhausted all my options. My issues are : 1 ) the company did not operate in good faith when they refused the offer of money to partially cure the outstanding payments ; 2 ) the company similarly did not show good faith when an offer to cancel the foreclosure order was made to me and I was lead to believe they were working with me, when all they were doing was stalling until the sale ; 3 ) the original loan documents were never produced, although someone signed an affidavit stating he/she " personally '' was involved in the sale ( which was not possible since the loan had been sold and transferred long after the sale ).
When I read about the order for penalties against Residential Credit Solutions, I was hopeful there would be some recourse for me. Losing a home is traumatic, but losing XXXX due to someone 's unscrupulous, unethical, and deceitful practice makes it that much worse.
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| 11/24/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan modification,collection,foreclosure
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Web |
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XX/XX/XXXXAttention : RCS Inc. Error Resolution/Information Request/Customer RelationsLoan # XXXX : Short Sale Decline AppealDear Sir/Mam, I am formally requesting an appeal in reference to the decline of my Short Sale Application submitted on XXXX XXXX, XXXX. The documents requested by RCS were forwarded in their entirety within the deadlines provided to complete the file. We have a qualified verifiable all cash buyer prepared to proceed. On XXXX XXXX, XXXX RCS violated of the Department of Justice Settlement National Mortgage Servicing Settlements that prohibit lenders from dual tracking foreclosure ( see highlighted below ), by declining my loss mitigation application short sale without legitimate cause and furthermore not exhausting the appeal process before pursuing a foreclosure sale on XX/XX/XXXXCFPB Rules Restrict Dual TrackingThe CFPB, which was established by the Dodd-Frank Wall Street Reform and Consumer Protection Act of XX/XX/XXXX, issued new mortgage servicing rules that went into effect as of XXXX XXXX, XXXX. Among other things, the rules restrict dual tracking.
Under the new rules, a mortgage servicer can not initiate a foreclosure until you 're more than 120 days delinquent ( which provides a reasonable amount of time to submit a loan modification application ). Also, the servicer can not start the foreclosure process if a loss mitigation application is pending.
If you submit a complete loss mitigation application to your mortgage servicer after the foreclosure has started, but more than 37 days before a foreclosure sale, the servicer must stop the foreclosure process until : the servicer informs you that you are not eligible for any loss mitigation option ( and any appeal you make has been exhausted ) you reject the workout option that the servicer offers to you, or you accept a workout, but fail to comply with the terms of the deal ( such as not making payments during a trial modification ). Source : NolopressIn addition to this letter I have included the following documents for your reference:1. Signed Purchase Agreement Buyer/Seller2. Buyer Proof of Funds3. RCS Correspondence dated : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXXI have also forwarded this to the Consumer Finance Protection Board in the form of a formal complaint to the Consumer Protection Finance Board.
Thank you, XXXX XXXX
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| 03/23/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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|
Web |
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|
Our mortgage was sold to Residential Credit Solutions XX/XX/XXXX. RCS does not accept automatic bank transfers, our bank, XXXX XXXX XXXX, must send a paper check to RCS for our mortgage if we use online billpay. The first sign of trouble came XX/XX/XXXX when we paid our mortgage XX/XX/XXXX. We paid on XX/XX/XXXX it was withdrawn from our account on XX/XX/XXXX, and not applied until XX/XX/XXXX, a total of 9 days. We were charged a late fee for this payment. I wrote RCS and the late fee was returned. Over the next few months, payment delivery times varied, but were normally between 5 and 7 days between the time I requested the payment to be made and the time the payment was applied.
XX/XX/XXXX : payment made on XX/XX/XXXX, withdrawn on XX/XX/XXXX, processed XX/XX/XXXX. ( 8 days ) XX/XX/XXXX : payment on XX/XX/XXXX, received and processed XX/XX/XXXX ( 5 days ) XX/XX/XXXX : payment on XX/XX/XXXX, received XX/XX/XXXX, processed XX/XX/XXXX ( 7 days ) XX/XX/XXXX Payment XX/XX/XXXX, received XX/XX/XXXX, processed XX/XX/XXXX ( 7 days ) XX/XX/XXXX payment XX/XX/XXXX, received XX/XX/XXXX processed XX/XX/XXXX ( 6 days ) The problem was with XX/XX/XXXX. The payment was made XX/XX/XXXX, received XX/XX/XXXX, and processed XX/XX/XXXX ( 15 days ). We were again charged a late fee, even though the money was received before the end of our grace period. We have been told they will not refund the late fee this time, even though it is obvious that the processing time was in some cases THREE TIMES as long as in previous months.
This seems extremely suspect. The closer to the end of the grace period, the slower that RCS processes payments, but the more {$73.00} late fees they can charge for " late '' payments. In 20 years of homeownership, we have never made a late mortgage payment and yet RCS has managed to say that twice in 6 months they have n't received it in time to process before the due date. No bank XX/XX/XXXX should not be able to accept ABTs. The only way RCS will take an automatic payment is through XXXX XXXX for an additional fee. This is absurd and is outright piracy of people who have no control over who services their mortgage. These fraudulent fees are not fair to consumers when the control on processing time is completely controlled by the company.
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| 03/04/2017 |
No |
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- Loan modification,collection,foreclosure
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|
Web |
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Our original mortgage servicer was with XXXX. We were in the middle of being approved for a modification when our mortgage was sold to Residential Credit Solutions in XX/XX/XXXX. They requested that we start the modification process over, which we did. They requested our income and tax information one at a time which delayed the process. We had to call continually to get updates, only to be told that they did not have documents that we had already sent in. They then sent us a statement saying that we had an escrow surplus, which we never received. Next, RCS sent an appraiser out around XX/XX/XXXX, paid the home insurance for the XXXX year without notifying us, while no longer accepting our payments. Throughout XXXX, we continued to follow up on numerous occasions to see if we have been approved for the modification, only to be told by the mitigation rep that our account needed to be sent to the underwriter for review. The results of that review never came, instead, we received a letter from their attorney in XX/XX/XXXX stating that they had been retained to initiate foreclosure proceedings.
Residential Credit Solutions failed to honor the trial loan modification that we entered with XXXX. Instead of honoring the previous agreement, Residential Credit Solutions insisted that we re-prove that we were qualified. By refusing to honor the previously agreed upon loan modification, Residential Credit Solutions effectively set us back as though we had not received a trial modification. This prolonged our loss mitigation. Residential Credit Solutions ' actions put us in loan modification trial period purgatory and confused us about the status of our modification, making it difficult for us to take the appropriate action.
We ended up losing our home in XXXX. We were sued by the home owners ' association for {$2700.00} after we were foreclosed on which resulted in a garnishment of wages. Our credit was ruined and the foreclosure is still on our credit today preventing us from obtaining another loan. It has caused stress on our marriage and required both of us to take time off work. We were subjected to collection calls, late fees, and default and delinquency notices.
|
| 07/31/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
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|
Web |
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|
We have been in foreclosure for over 6 years now. Throughout that time we have been passed from several different servicers. First XXXX then to XXXX XXXX XXXX and now Resedential Credit Solutions ( RCS ). We have tried for over six years now to try to get the servicer to modify our mortgage. Each time we were denied for whatever reasons they said like we do n't make enough money. More recently RCS declined modifying our mortgage they say because we do n't make enough money. We asked them several times to lower the principle balance of our home because they are asking us to pay over a million dollars for a home that is worth less the. Half of that. They are asking us to pay all the late fees, the mortgage for six years now and other fees, taxes and such. We want them to lower the principle balance on the home to what it 's worth today and forgive all the past charges and fees. We want them to bring the mortgage current so we can stay in our home we lived in for the past 10 years now. RCS has given us the run a round by telling us we do n't make enough money to pay the mortgage. We do if they forgive the past 6 years of fees. They wo n't work with us and I 've faxed and relaxed hundreds of pages of paperwork to RCS. They are now foreclosing on us with a sale date of XXXX XXXX 2015. We would like consumer finance to hopefully help resolve this matter with RCS. At the end of this we want RCS to modify the mortgage to what the home is worth anywhere from XXXX to XXXX, forgive all the past charges, lower the interest to 2 % at a 30 year fixed rate. We want to keep our home. I have tried for over 6 years to get the servicers to comply with us and they never have. I feel they are greedy and do n't care about homeowners they are out only for themselves. Please help us in any way you can. Thanks for your time in this matter. We hope that RCS hears us loud and clear we want them to modify our mortgage at the rate that the home is worth and forgive all past charges fees etc. Thank you
|
| 01/27/2016 |
Yes |
|
- Loan servicing, payments, escrow account
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|
Web |
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1.I am a XXXX year old vet. Single Mom. Went through XXXX. used up all savings. Federal student loans were expunged. Survived thanks to V.A. : but got behind on my XXXX loan.
2. I filed a bankrupcy to save my home from foreclosure.
3. Paid XXXX {$10000.00}.
4. Finish bankruptcy successfully.
5. XX/XX/XXXX loan was sold by XXXX to Residential Credit Services Inc.This is where XXXX starts.
In XXXX 2015 they stopped sending paper statements. I told them I had to have a paper statement to see how my loan was doing. I am XXXX now and have XXXX -- sometimes do n't have internet connection.
They refused saying : " we do n't send statements to you bankruptcy folks anymore. '' NOW : XXXX XXXX CALLED FROM RCS LOSS PREVENTION : he called me and demanded {$6000.00}.
I said : how can that be? I paid all the arrears in bankruptcy. After than period, I have n't missed a payment. '' He said : " Oh, this happens to lots of folks. They have n't really paid enough in the bankruptcy. That 's why there still money owed. I suggest you try a loan modification. or pay it all right now. We 'll start foreclosing if you do n't. '' Later, when I called RCS to see if a scammer had called me, they seemed genuinely confused. It says here you owe {$6000.00}. said XXXX. " Fax us all the info you have : the bankruptcy papers, the Money order receipts, a letter carefulling detailing everything. We 'll look at it an figure everything out. '' I had all these things, ( including a mortgage analysis which was worthless. ) I have hundreds of papers.Also, the attorney who originally filed the bankruptcy, XXXX XXXX XXXX. in XXXX XXXX.
" You mean -- I have to PROVE I 'm NOT IN ARREARS? '' " Yes. '' " Meantime, you might have foreclosed by the time it 's all straight. ' " yes. your attorney can fax the info. ' I realized right then : They did n't know or have my mortgage information.
My hair stood straight up. they wanted it from me because theirs was messed up.
Meantime, I might loose my house.
|
| 08/22/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
Older American |
|
This Complaint is related to Case # XXXX - XXXX and XXXX - XXXX ; Loan # XXXX. My home is scheduled for foreclosure and I need the Service Provider to provide me an answer as to why they have not assessed my Loan Mitigation Application based on the updated Profit and Loss Statement ( Income ) that was submitted to them.
Here are specific details of my case.
1. RCS acknowledged they made a mistake and I appealed their decision to reject the Loan Mitigation Application within 30 days.
2. The basis of that appeal was the updated Profit and Loss Statement submitted to RCS as part of the appeal letter on XXXX XXXX, 2015. This updated Profit and Loss Statement is included in Exhibit XXXX. The average monthly net profit from the business is {$6400.00} per month ( {$38000.00} divided by 6 months ). When you add my social security income of {$1900.00}, my monthly income adds up to {$8400.00}. This is the monthly income on which RCS needs to assess my Loan Mitigation Application.
4. The way I have calculated {$8400.00} as my monthly income is exactly the same manner RCS calculated my monthly income earlier based on the preliminary Profit and Loss Statement. This preliminary calculation from RCS is included in Exhibit XXXX. Hence my {$8400.00} is my correct monthly income.
Therefore, based on the above, RCS needs to assess my Loan Mitigation Application based on the correct updated Profit and Loss Income and my Social Security Income. This amount comes to $ XXXX and not {$7800.00} as claimed by RCS.
Therefore please ask RCS to read the documents I have mailed them as part of the appeal and to evaluate my Loan Mitigation Application based on the correct monthly income of $ XXXX all the above documents were attached to this Complaint before and are in possession with RCS. They were all submitted as part of the appeal documents mailed on XXXX XXXX, 2015.
Thank you.
Sincerely, XXXX XXXX XXXX ( Borrower and Homeowner ) XXXX XXXX XXXX, XXXX XXXX, NY XXXX
|
| 05/02/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
We tried on numerous occasions to secure a mortgage modification to allow us to keep our home, and Residential Credit Solutions ( RCS ) repeatedly blocked our attempts by not returning phone calls, emails, etc. We were told to submit duplicate paperwork on numerous occasions. When they finally offered a " XXXX XXXX XXXX '', we were advised that this was the only program they had looked at for us, they did not advise us of any other programs that might be available to us, and their modification did not change the monthly payment at all, thereby keeping us in an impossible plan, setting us up for failure, and virtually keeping us in the same foreclosure risk. They told us to look over the XXXX XXXX XXXX and call them back. When we did call them back, we told them we did not want to sign the agreement, we wanted to explore other options. They refused to look into a payment deferral, saying it would ruin our credit. Our credit was already ruined by virtue of their dragging this process along for 15 months. Numerous times, when we were finally able to speak to a representative, and only after they had been contacted by third parties ( including congressmen and women, and newspaper reporters, they gave us misinformation, or told us they would look into other programs and then never called back. We have voice recordings of those telephone conversations, and solid proof of our attempts to obtain information to allow us to make informed decisions. We were forced to cash in our XXXX money in order to clean up our own credit and were finally able to secure a new mortgage with a reputable banking institution, with a much lower payment and lower interest rate. However, not only is our XXXX gone now, but we incurred expenses in excess of {$23000.00} in order to mitigate our damages. This was not a modification of our existing mortgage. It was a total re-mortgage, and without benefit of Truth-in-Lending law protection.
|
| 11/16/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
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|
I have been trying to get my home sold in a short sale. On XXXX XXXX, the bank came back with a counter offer and said it needed to be accepted by XXXX XXXX or the file would be closed out due to an upcoming sale date in XXXX. The buyers accepted the offer within an hour of the phone call from the bank. My attorney called the bank immediately to let them know it was accepted. The person assigned to my file ( XXXX ) was not available, they spoke with the single point of contact ( XXXX ) who was rude but said she would send a message to XXXX letting her know it was being accepted. She said my attorney needed to email or fax the new offer, HUD and proof of funds. My attorney immediately emailed it. My attorney called back later that day and they said it was not uploaded yet, they were advised to try again tomorrow. My attorney called back the following day ( the last day to accept the offer ), once again XXXX was not available, the person at RCS said the documents were still not uploaded. The representative at the bank sent XXXX another message advising her that the buyer had accepted the offer and my attorney emailed the documents again and faxed them as well. My attorney called back the following day, once again XXXX was not available, the person at RCS said the documents were still not uploaded. The bank representative sent XXXX another message advising her that the docs had been sent and the offer accepted. The same thing happened the following day. Today, my attorney called back and they were told that the file had been closed out due to the buyer not accepting the offer. RCS has continuously mismanaged my file and it appears they are intentionally ignoring the fact that the offer was accepted in the time frame required. My consumer rights are being violated by RCS. Please have RCS cancel the auction scheduled for XXXX XXXX as holding the auction would be an extreme show of bad faith by RCS and a violation of my consumer rights.
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| 03/27/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
Servicemember |
|
VETERAN BEING DISPLACED!! 1 ) Purchasing Lender/Servicer Residential Credit Solutions ( RCS ), did not recognize a fully ratified permanent loan modification in force they acquired from XXXX, although provided the requested written, notarized documentation which was requested by lender single point of contact ( SPOC ) : MODIFICATION AGREEMENT INCLUDED OVER XXXX PRINCIPAL REDUCTION!! Client complained to HIP, the Counseling agency and counselor who originally secured the loan modification, and when housing counselor brought the oversight to the attention of Servicer ( RCS ), the SPOC requested the necessary documentation to rectify the situation. The documentation ( copy of notarized agreement ) was provided immediately via overnight mail. We were assured the situation would be rectified.
2 ) Servicer continued to solicit full mortgage payment from homeowner in writing and verbally, and issuing mortgage delinquency warnings despite the modification in force and would not acknowledge existence of the modification despite homeowner 's repeated efforts at communicating this to serivcer during telephone inquiries, and having provided the written, notarized, ratified agreement delivered to servicer. 3 ) Despite homeowners attempts at reinstatement with large sum payments requested by servicer of {$12000.00}, and {$16000.00} via certified funds, payments were returned to homeowner as insufficient even though these amounts were requested by the servicer, and foreclosure proceedings were continued! 4 ) Homeowner applied for and participated in mediation, by which time they were disqualified from favorable HAMP modification. 5 ) Client reapplied for modification was denied although homeowner 's son living in the property is A VETERAN HAS PLEDGED HIS FULL INCOME XXXX in monthly payment contribution!! 6 ) We are in the appeals period and seeking legal assistance.
|
| 03/29/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
The check my bank sent for the regular XXXX payment using XXXX XXXX XXXX XXXX on XXXX/XXXX/XXXX was not cashed, and the mortgage payment showed on the RCS website as past due.
I noticed and called them around XXXX/XXXX/XXXX. I was told that they had problems with the mail this month, not to worry, many customers were in my situation, and the late fee will be waived for all their customers.
I called again around XXXX/XXXX/XXXX, and was assured again that all is well.
on XXXX/XXXX/XXXX the payment was still not posted yet. I called RCS again because I was worried that a 30 day delay in mortgage payment will be posted to the credit agencies. That would be a credit disaster.
I received no promise that such a report will not be filed. I therefore offered to pay again for XXXX over the phone, about two weeks earlier than my regular payment in XXXX, to make sure that the XXXX payment is credited before 30 days are over.
The agent told me that while the penalty will be waived, a " transaction fee '' varying between {$5.00} and {$12.00}, charged by XXXX XXXX, will be charged to me. He said that he has no way to waive this charge.
My suggestion that this is an RCS problem and therefore they should pay the charge got us nowhere.
I ended up paying again for XXXX through their website, paying a {$5.00} transaction fee. I still have to see tomorrow whether the payment without the penalty will be credited to my account.
RCS is not taking responsibility for their problems. I see no reason for me to try and work around their issues. It cost me {$5.00} this time, but I had issues with them in XXXX and in XXXX where my payments were " lost '' in their system for a few days at a time. This is the only servicer I had issues like this with.
They need adult supervision before they cause a lot of damage and a lot of work for other people.
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| 03/25/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I am a California homeowner that was working with Residential Credit Solutions , Inc. the servicer of my mortgage loan for a loan modification. During the loan modification process they were also proceeding with the foreclosure process which is a violation of the California Homeowner 's Bill of Rights " Dual Tracking '' prohibition. Although I supplied Residential Credit Solutions , Inc. with all the necessary documentation they requested, they sent me a letter stating they did not receive the documentation ; I have proof that it was faxed to them at the fax number they supplied. They contacted me after that letter and asked me for additional information giving me a very narrow timeframe to provide it ( 2 days ). I provided the information they asked for the week prior to the foreclosure sale but moved forward with the sale anyway and I lost my home. They also sold my home for less than what was owed to them but at no time did they offer me the opportunity to pay them less to save my home and they did not properly handle my loan modification application. There are numerous complaints against Residential Credit Solutions , Inc. and XXXX XXXX XXXX XXXX, XXXX and there is another case pending in California courts, see XXXX XXXX XXXX v. XXXX XXXX XXXX XXXX et al. in the United States District Court, XXXX District of California, with nearly the identical circumstances where the homeowner sent in all the required paperwork for the loan modification but Residential Credit Solutions , Inc. claimed to have not received everything they needed and proceeded to foreclose. It appears that this is a pattern of practice by this company and their foreclosure trustee XXXX XXXX XXXX XXXX, XXXX. to unlawfully foreclose on people 's homes.
|
| 03/01/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
This is not directed specifically at Residential Credit Solutions ( RCS ), XXXX XXXX, Texas, rather the regulations as outlined in RESPA and the spirit behind the mortgage transfer rules.
My loan has been transferred to XXXX. RCS sent a letter dated XX/XX/XXXX. The letter arrived at my residence on XX/XX/XXXX. The transfer to XXXX was effective on XX/XX/XXXX. The notification by RCS of my transfer arrived just 9 calendar days ( not work days ) before the transfer.
In the response that I received from RCS, they claimed that the letter was mailed on XX/XX/XXXX and that they are not accountable for transit time via the U.S. Postal Service.
Unfortunately, RCS sends their letters presorted, so there is no/no postmark that is recognizable to me. It is incredulous to think that a letter required XXXX calendar days to reach my home. By way of example, I received a letter from RCS on XX/XX/XXXX that was dated XX/XX/XXXX. That took only six ( 6 ) calendar days.
The spirit behind RESPA is to ensure fair and reasonable treatment by mortgage servicing companies. Receipt of notification that my mortgage would transfer to another company XXXX calendar days before the transfer is unsatisfactory.
As a consumer, a minimum notification of 30 calendar days in advance ( letter in hand ), seems reasonable and fair. If this requires a mortgage servicing company to send the letter 45 days in advance ( 15 days transit time ), then that should be the rule.
By the way, this is the XXXX mortgage servicing company that I have had since the mortgage was originated in XX/XX/XXXX/XX/XX/XXXX. Hard to believe that In 3.5 years, I 've had XXXX different companies. It took months to resolve issues with RCS and I suspect the same with XXXX.
|
| 02/01/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
We began application for the " Making Home Affordable Act '' almost 5 months ago with our mortgage company RSC. I am the highest income earner in our home had a major accident and XXXX surgeries. This has prevented me from working and it has prevented us from being able to pay our mortgage due to the loss of income and now paying many new bills related to the surgeries.
In XXXX 2015, our mortgage company confirmed by phone they had received a complete packet and a copy of the packet was also submitted to our PMI insurance company.
We waited appx. 30 days and still had no answer as to what the mortgage company recommended and if we qualify for any programs under the MHA in XXXX. In addition, we received two letters, one letter states we did n't submit all documentation and that we had called and cancelled the application. If that has n't made matters worse, we have now received collection letters stating they will be moving forward on a foreclosure. I have made multiple calls to RSC in the past 3-4 weeks and everytime I speak to them they just say we do n't need to submit anything further and our application is in review.
Today, I received a Certified Letter from their attorney now claiming further action on our account if unpaid and foreclosure proceedings are definitely moving forward. Our PMI insurance company has even spoken to them and they keep adding new documentation requests that are completely outside of the RMA application requirements. We feel that the mortgage company is doing this to delay our application, they are lying to us when we call on the status of the application and that they never even gave us consideration for the program that we more than qualify for to save our home of 10 years.
|
| 03/23/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
First, the servicer, RCS, filed a foreclosure action when they had no cause. They claimed I had not made all payments on time, but at trial, I was able to show this was not true. Second, they then claimed that I had not provided all loan modification documents in a timely way. This was a last minute claim, and the plaintiff produced documents at trial that they had not provided during discovery. Their own records, which they hid from me until rebuttal, show that I had not only provided all documents, but that they had used fabricated, outrageous and irrelevant reasons to turn down each of my loan modification requests. They knew this, and mislead the court into believing I had not met the terms of the loan mod. They lied in court. Third, during the actual loan modification process, they ignored modification requests they received as late as XX/XX/XXXX. Finally, their own records show that ( a ) I was current when I asked for a loan modification, ( b ) they dragged their feet on the loan modification for two years, until the arrearages totaled approximatly the Net Present Value of foreclosing on the property. I contend that they never had an intention of entertaining a loan modification. They offered the loan modification only to put me in a position where ( they thought ) I would have no choice but to vacate the property and let them sell it out from under me. Now, when they filed with the court for a sale date, I answered with a motion to review the case showing the plaintiff had lied in court ( please see attached documents ). The Plaintiff 's reply was to sell the loan to another servicer and walk away.
|
| 01/03/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
Our mortgage company, XXXX XXXX ( previously owned by XXXX XXXX ) sold our mortgage to Residential Credit Solutions in XXXX, XXXX. Our payments were roughly $ XXXX/month at 9.95 % interest. My husband lost his job in XXXX. We knew our payments were going to be impossible to maintain, so in XXXX, began the process of applying for a modification. XXXX XXXX, and then Residential, made it impossible for us to receive a modification which would make the payments more affordable by continuously delaying the process for about 18 months, then finally gave us a " Supplemental Modification. '' This did not lower the monthly payments, kept the interest rate at 9.95 % and extended our mortgage to 40 years. Since they had already begun sending us foreclosure letters, we had no choice but to accept. We contacted several government agencies and representatives, to include CFPB XXXX XXXX XXXX ( who, by the way, did not listen and were very rude ), and no one would help or listen. I am attaching several documents to support our complaint. After giving up actual living necessities and cashing in our retirement to bring everything up to date, we applied for and received a new variable rate mortgage through a XXXX 2.75 %. Of course, this interest rate will go up ; however, our current monthly mortgage payment is now a little over {$700.00}. We had to incur closing costs, legal and appraisal fees, etc., in addition to the more than {$20000.00} in interest payments over the lifetime of the " modification '' as a result of Residential 's predatory practices and other agencies ' lack of consideration towards us.
|
| 02/19/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I have tried several times to modify my home loan with my mortgage servicer, Residential Credit Solutions. Much to my dismay, but not surprise, they have denied me. In my first attempt years ago I fully understood why ; their calculations, ability to find and / or put me into the right modification program. However on this recent last round my income increased making it possible to receive a modification and yet I was still denied. Upon my internet research I discovered that they have been fined through CFPB, and others have stated that this mortgage servicer uses bad practices and never gives modifications. I also discovered that they are a type of home loan warehouse. This is meaning they collect loans ( homes ) and try to possess them in order to sell them off for their profitable benefit. For them extending a modification to struggling homeowners is not in their interest. They take months upon months to complete the process. I was originally told they would take anywhere from 45-60 days. It took 6 months ... and I used a housing counselor.
Is there anyone controlling and checking their behavior and / or true ability to help homeowners receive an affordable payment? Knowing they they have a huge history in dissatisfied customers and complaints what can be done?
If anyone else has similar experiences with Residential Credit Solutions ( RCS ) please write in and share your story, but most of all file a complaint. They are run by execs who have in their previous employment been fined, brought up on charges, and convicted of bad practices. This is an awful company!
|
| 10/16/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
After having an emergency surgery over the summer I fell behind a house payment. I contacted the holder of the account ( XXXX XXXX XXXX ) and worked with the very helpful and friendly people there to get on a repayment plan to get me caught up and current on the loan by XXXX XXXX 2016. This helped tremendously, but what they did was sell my loan to Residential Credit Solutions ( RCS ). I was sent a letter stating that all payments after the XXXX of XXXX would have to be made to RCS. Now it is the XXXX and RCS is unable to locate my information and XXXX XXXX XXXX can not help me as they have already transferred my information to RCS. I was able to speak to an actual person at RCS by calling the loan application department and not through the endless loop of the customer service number. XXXX attempted to contact them with the number they supplied and said they were not able to contact a person. ( XXXX ). According to their website, a payment is late and will be sent to the credit agency 's if it is not received, the person I spoke with on the phone said, " just relax until Monday ( XXXX ) it will be fine ''. I am not feeling fine, he did not want to give me his name, did not want to transfer to the proper department and said this happens all the time. I am truly concerned that the agreement I had with XXXX is danger of not being honored and that RCS inability to locate the information that was transferred to them on XXXX ( according to XXXX ) in going to place me in a situation causing my repayment plan not to be honored and keep me from making payment on my home.
|
| 09/18/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
Residential Credit Solutions continues to wreck my credit and has re-aged the debt on my previous XXXX/XXXX home loan. Unfortunately, I was a victim of XXXX scams and lost my house because of it. The Date of Last Payment on the mortgage listed by RCS is purposely incorrect. Despite numerous attempts to correct the record with RCS directly, and through the Credit Reporting Agencies, RCS continues to verify the debt and has re-aged this debt, even after the original creditor removed it, so that it remains on my credit report. The XXXX XXXX XXXX debt which RCS ' entry is based upon was itself deleted from my credit report. You can clearly see based upon the XXXX entry that the Date of Last Payment was XXXX XXXX, and that my Date of First Delinquency was XXXX XXXX, according to XXXX XXXX XXXX 's own credit reporting. For this reason, the XXXX entry was required by law to be deleted from my report. RCS continues to purposely and falsely report the XXXX as XXXX, in an effort to re-age and continue to collect on this debt. Their behavior amounts to a rank violation of provisions of both the FCRA and FCDPA. I suspect there are thousands out there like me, who continue to suffer economic damage from this company 's unscrupulous practices. I have provided a copy of my dispute letter to RCS dated XXXX XXXX, XXXX, a copy of the deletion of the original XXXX entry on my consumer credit report showing the actual DOLA, and my most recent CRA dispute showing that RCS continues to verify this debt, in violation of the law.
|
| 01/11/2016 |
Yes |
|
- Settlement process and costs
|
|
Web |
|
|
XXXX/XXXX/XXXX called 3 times notifying of house fire informed I did n't need to do anything even though my XXXX was saying otherwise. XXXX/XXXX/XXXX I was able to finally file a claim and packet would be sent out. XXXX/XXXX/XXXX called again informing still have n't received packet so another packet to be sent then I requested it to be faxed. Unable to fax after a 2nd request. Finally faxed XXXX/XXXX/XXXX filed out and faxed back. Called several times to make sure they had everything they needed. I even spoke to the supervisor XXXX on 2 separate occasions regarding mis-information and requested she listen to recorded call and asked to speak to someone above her for which she stated no one was above her. I filed a formal complaint to management. I finally received my first money draft XX/XX/XXXX so my contractor could get started on my house. I called in several times after trying to make sure no further delays. XXXX/XXXX/XXXX I called to check progress was informed an inspection had been done awaiting results. Called XXXX/XXXX/XXXX and XXXX/XXXX/XXXX informed they were still waiting on inspection report. I figured out on XXXX/XXXX/XXXX an inspection had n't even been done. The mortgage company is holding money that my insurance company gave me to rebuild my home. All this time they are drawing interest on the money. All this time me and my family live in a hotel. I do n't know their process but I expect them to know nor do I have access to their system. Please help.
|
| 09/06/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
Residential Credit Solutions ( RCS ) forced me to use an escrow account, despite having no legal authority to do so. I request that all funds that were held in the escrow account be returned and refunded to me immediately. It is the only ethical thing for Residential Credit Solutions to do. There was also an overpayment in the amount of exactly {$130.00}, I request that this amount be refunded as well.
Please see the attached letters from my lawyer, XXXX XXXX XXXX XXXX, dated XX/XX/XXXX and XX/XX/XXXX. These letters clearly narrate and state the abuses committed by Residential Credit Solutions. I have paid my property taxes on time for over ten years now, without ever missing a single property tax payment. I do not see why RCS assumed the responsibility of paying my property taxes, and without my permission or consent. RCS had no legitimate or logical reason to do this. Please see the attached XXXX RCS statements and XXXX of my own bank statements that show the amounts that RCS was charging me in escrow fees. Please note that my monthly mortgage loan payments are exactly {$2600.00}.
Finally, Residential Credit Solutions informed the Consumer Financial Protection Bureau that they were in fact going to help my refinance my mortgage loan. Please see the attached letter from RCS dated XX/XX/XXXX. They did not help me, they instead transferred the servicing rights to my mortgage loan back to XXXX XXXX XXXX. Please see the attached letter dated XX/XX/XXXX.
|
| 02/16/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
Servicemember |
|
Residential Credit bought my mortgage from XXXX. I was trying to do a short sale with XXXX when the mortgage transferred. Residential Credit requested paperwork to start this process. I provided all the documents they requested and then they would need other documentation to continue the process for a short sale. This continued for 4-5 months until I was informed that the loan was being sold to XXXX.
I do not believe that Residential Credit worked with me in good faith on this process. They appeared to intentionally stall or not act on the paperwork I uploaded to their website as they requested to complete this short sale.
That had an appraisal done on the property which was not comparable to the property I am trying to sell. The appraisal completed for Residential Credit was overvalued and done on a property which has XXXX homes on the land. They used this appraisal to initially deny the short sale. I was told that if I desired to dispute this that I could submit an appraisal. I uploaded this appraisal to their website as directed and no action was taken for over 2 weeks when I was informed that I would also have to submit a separate request to evaluate the appraisal I had submitted. This pattern of delaying continued until the date that the loan was transferred.
I have multiple offers for the property and have had to extend contract agreements because Residential Credit will not act on these offers.
|
| 02/09/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
My wife and I had a mortgage modification agreement with our mortgage servicer, XXXX, that stated that if we made XXXX trial payments at the agreed amount our modification would become permanent. After making the XXXX payments XXXX informed us that the modification agreement would not be honored because they claimed there was a judgement against our home. We made several visits to the county court house and was told that they could not find any judgements against our home. When we contacted XXXX to inform them that the county court house found no judgements on our home they told us that our loan was being transferred to a new servicer, Residential Credit Solutions, we then contacted RCS to ask if they would honor the modification agreement we had with XXXX and was told we would have to apply again for a loan modification. RCS made it clear to us that they would work with us and not foreclose on our home. After submitting the new modification package to RCS we were told it take about three days for them to reach a decision. About a week and a half had passed by with no word from RCS, so we called them and was told we were missing some documents, a couple days later we sent them the documents and several days after sending the documents we were served with foreclosure papers. The following day we received a letter from RCS stating that our loan was being transferred again to a new servicer, XXXX XXXX.
|
| 07/30/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
Older American |
|
This complaint is related to Case number : XXXX. I would like the Loan Service Provider to evaluate my Loss Mitigation Application based on the updated 6 monthly Profit and Loss Statement. Details below.
Dear CFPB : RE : Correct 6 month Profit and Loss Statement and Request for Incorporation of Correct Income in Evaluation of Loan Modification of Loan # XXXX ; Based on the response and the updated six monthly accounts submitted by my business accountant, I want to submit to RCS the correct updated half year 2015 Profit and Loss Statement for my business.
The Loan Service Provider XXXX RCS XXXX decision dated XXXX/XXXX/2015 is attached. I would like to appeal RCS ' decision based on the updated half yearly 2015 Profit and Loss Statement attached. This appeal is being made within the stipulated 30 day period from RCS ' initial decision as required.
I have sent the Updated Information and Appeal documents to RCS XXXX attached here in as PDF ) via registered mail and fax following RCS ' decision to reject my Loan Mitigation Application based solely on a preliminary and outdated Profit and Loss income amount.
Please ensure RCS updates this information and is notified through your office that I have appealed their decision and asked them to update this information and requests them to make a decision based on the updated information.
Thank you for your help.
Sincerely, XXXX XXXX XXXX
|
| 11/04/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
We have been dealing with RCS for the past year to complete a short sale. We did have an open Bankruptcy XX/XX/XXXX due to financial hardship and to help us with XXXX selling our property. In XX/XX/XXXX RCS files a motion to release property from the Bankruptcy. According to them it was released, but we were never notified. In XX/XX/XXXX with had submitted a strong buyer qualified to close on the purchase of XXXX XXXX XXXX in XXXX XXXX California. RCS Bank order the appraisal and reviewed the offer. On XX/XX/XXXX RCS counter offer at $ XXXX. We then submitted the buyers counter at $ XXXX after we had his inspections done. RCS requested more financial documents from us plus a payoff from XXXX XXXX Bank which took 2 weeks to get. All the info was sent a few weeks later. However on XX/XX/XXXX RCS canceled the Short Sale and put it up for auction to foreclose XX/XX/XXXX. All we need is a few weeks for RCS to allow them to finalize the approval of this short sale. However they said they need 37 days to review an offer prior to sale date. We tried to speak with supervisor and we were told they were busy and there is nothing we can do. I always try to be positive and do the right thing. We do NOT want this to go to foreclosure and we are asking RCS to conduct their final review of the short sale since we were at the end of the approval process. Thank you for your time.
|
| 05/02/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
My complaint is against RCS Residential Credit Solutions , Inc, My loan was transferred to them few years ago, it has been a big headache until today. I loss my XXXX in XX/XX/XXXX I ask them to please help me to get a loan modification but they did n't help me, all my financial problems leading me to file a Bankruptcy Chapter XXXX, trying to re organize my debts making XXXX payment along with my mortgage payment. I have submitted a loan modification package on XX/XX/XXXX, I have called every week to the bank asking for my loan status and they just tell me is denied but I have nothing received in writing everything is verbal. Since my BK Chapter XXXX payment is {$1600.00}, my expenses are {$710.00} and my house payment is {$2900.00}. I am desperately looking for help, they can not answer my request for loan modification but they were really faster removing my house from the BK with a motion. They can not give me a trial payment but they send me an appraisal opinion to determine how much my house can be sold. I have lived here for over 24 years. I am not sure if they are going to provide me any solution this time, but I 'm pretty sure that I am not the only XXXX reporting the abuse of this institution to the borrowers. I have submitted my package again ( enclosed please find a copy ) waiting for a help, understanding and cooperation.
|
| 10/14/2015 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
Almost 18 months ago, my loan was purchased by Residential Credit Solutions. At the time, my mortgage payment was XXXX. Roughly four months after RCS had my loan, my payment increased to XXXX for " escrow purposes ''. I spoke with my town about a rise in taxes, that did n't happen, and my insurance for the year had already been paid. RCS claimed that I had to be charged but never truly explained why. I kept up with my payments monthly until XXXX. As a single mother of XXXX and a home owner, unexpected financial expenses came up and had to be taken care of. So, I sent my payment in XXXX and RCS sent it back to me and said that my loan is in default because I was deliquent with XXXX payments, that I am heading for foreclosure, that they will not accept anything less than the XXXX payments and that THEY WILL RUIN MY CREDIT!!! I was advised that my only option is to refinance the loan as soon as possible and get away from the company. THE PROBLEM is that they are now saying that I am XXXX PAYMENTS DELINQUENT and they are holding those payments against me so that my EXCELLENT CREDIT SCORE that 's taken years to establish and has always been impeccable, is now been dropped to a middle score of XXXX. I 'm not sure what I can do next, but I am in desperate need of some sort of financial help and advice. Thank you so much for listening!
|
| 02/28/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
MY LOAN SERVICER improperly denied me a HAMP modification. They did not acknowledge receipt of but did not respond to my XXXX XXXX, XXXX request for escalation. They have refused, in writing, to communicate with me since XX/XX/XXXX, because I authorized them to talk to my law firm at that time. In XXXX XXXX, I faxed them a letter saying I did not request a cease and desist, and repeated the substance of my XXXX XXXX fax. They remained silent.
Finally, on the afternoon of Friday, XXXX XXXX, XXXX, I faxed them the attached letter, which once again lays out the mistakes they made in determining my eligibility for HAMP. It repeats what I faxed on XXXX XXXX, and again XX/XX/XXXX. I am hoping this third try will work, and making this complaint to CFPB at the same time to improve my odds.
I request that CFPB take note of their HAMP-application-processing mistakes because they are systemic, as near as I can tell, and will have affected thousands of borrowers. The servicer is the rock-bottom least likely to approve HAMPs of those tracked by US Treasury at XXXX I have tried to modify this loan since XX/XX/XXXX. XXXX XXXX XXXX got away with fraudulent handling by handing the loan off to RCS. RCS should have done a lot better than what I report in the attached letter.
Sincerely, [ name withheld ]
|
| 08/26/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
Older American |
|
XXXX XXXX XXXX was my former lender account # XXXX illegally transferred my loan toRCS who has done nothing but give us the run around for months requesting the same documents over and over again. On XXXX/XXXX/2015 we submitted a complete loan modification package to RCS and trailing documents on XXXX/XXXX/2015. The submissions were acknowledge by RCS in a letter dated XXXX XXXX, 2015. We continue to submit documentsverbally requested by RCS throughout XXXX 2015, we received a letter dated XXXX XXXX 2015, Notice of Default and Intent to Accelerate, please keep in mind there has been no decision on our pending application prior to the XXXX/XXXX/XXXX letter. We continued sending documents to RCS throughout XXXX 2015, which RCS acknowledge again in a letter dated XXXX/XXXX/2015. In a ambiguous letter dated XXXX/XXXX/2015 from RCS denying our loan modification without providing a reason or cause which is required under California Homeowners Bill of Rights, RCS is in violation. We strongly believe that XXXX XXXX XXXX purposely dumped our loan on to RCS is known for foreclosing and not loan modifications. The letters we have received from RCS are dubious at best, misleading and not providing a clear path to obtaining the mortgage we have sought so hard for.
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| 12/03/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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On XXXX XXXX 2015, I found my property at ( RCS Account number xxxxxxxxxx ) listed on XXXX for sale. I contacted RCS mortgage Inc on XXXX XXXX 2015 to find out why the home was listed and the representative confirmed that my home was not listed by RCS and he had no knowledge of that action and the listing agent may have independently taken that action. On XXXX XXXX 2015, I contacted the listing agent to remove that property from the website and or all sites that it is listed on because that home is not for sale. The listing agent stated that she was directed by XXXX XXXX XXXX to list the home and the emails are attached ( XXXX Pages ), she forwarded the emails to me and I am faxing to RCS. I called RCS mortgage again on XXXX XXXX 2015 and spoke to XXXX and explained this situation again and she needed me to fax in the documentation so RCS could follow up on this situation, she stated that RCS would send me a letter after receiving my fax with the documents to let me know that status of their inquiry. I have been paying RCS for 4 years, do not understand why XXXX XXXX XXXX is doing any action with my loan.
I have contacted and reported this action to the consumer finance protection board and contacted an attorney to pursue legal action.
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| 08/17/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan modification,collection,foreclosure
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Web |
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We requested assistance in the form of a loan modification with our servicer, Residential Credit Solutions ( RCS ), XXXX 2014. During the course of going through the initial steps of the modification, RCS repeatedly, after 8 times total in writing by ourselves, refused to update our mailing address so all correspondence was getting delayed nearly a month to us. We requested RCS to update our address so we were not repeatedly getting our mail late. RCS has been very INACTIVE in the past when it came to telephone requests so we began to put everything in writing. We finally sent RCS formal mail this spring and faxed and emailed the final address update requests and this finally worked.
However, XXXX XXXX, 2014 was the deadline for us to submit paperwork for the modification to continue and we received this correspondence from RCS XXXX XXXX, 2014 to our current mail location of which we had been attempting to update for months! It was because we did not submit our paperwork in time because we did n't receive it until 1 day past the deadline date that we were denied a modification.
This is ridiculous treatment by a servicer and a poor excuse for denial when we made numerous attempts to get RCS to send paperwork to the RIGHT address!!!!
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| 05/16/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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I am disputing all of the RCS Mortgage late payments on my XXXX credit report.
This Mortgage loan was included in my Chapter XXXX Bankruptcy which was filed XXXX/XXXX/XXXX and completed successfully XXXX/XXXX/XXXX. The mortgage, initially with XXXX and than with RCS, was included in the bankruptcy. On the bankruptcy its value is {$47000.00}.
On XXXX/XXXX/XXXX there was an Order Granting Relief From XXXX XXXX. This let RCS get the collateral which is the property. In no way does the wording say that the creditor could collect money from the loan, it just gives them the house.
Each of the RCS late payments are after our bankruptcy was successfully completed. So this loan did not even exist at the point of the late payments. So there is no way that we could have a late payment on a loan that was already eliminated through bankruptcy.
Here is how our Bankruptcy Attorney explained the Stay to us : '' You filed chapter XXXX. You surrendered a home and allowed the creditor to foreclose. In order to do that the bankruptcy court has to lift the stay to allow the creditor to go after the property. The Order from the bankruptcy court does not say anything about allowing the creditor to seek money from you. ''
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| 11/25/2015 |
Yes |
- Debt collection
- I do not know
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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XX/XX/XXXX I received a letter titled " Notice of Default and Intent to Accelerate '' from Residential Credit Solutions , Inc .
I disputed the alleged debt and demanded validation of it XXXX XXXX, 2015 and Residential Credit Solutions XXXX Inc. received it XX/XX/XXXX. I have since sent XXXX additional disputes and demands for validation in response to their communications attempting to collect a debt.
To date, I have not received a single document from it establishing that I owe it or the entity it claims is the investor nor has it provided any documents confirming that the entity it claims is the original creditor made a loan to me. All of my attempts to communicate with the entity it claims is the original creditor since XX/XX/XXXX have been unsuccessful in establishing that a loan was made to me.
Residential Credit Solutions XXXX Inc. is not a secured creditor of mine nor XXXX. Neither has the standing to seize my property, yet Residential Credit Solutions XXXX Inc. continues to threaten me with a non-judicial foreclosure.
It continues to violate the FDCPA by continuing collection activity despite my demands for validation and its failure to provide that validation.
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| 08/28/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan modification,collection,foreclosure
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Web |
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My name is XXXX XXXX and I work for XXXX XXXX XXXX. My clients XXXX and XXXX XXXX have been working with XXXX to complete a Modification on their home .... XXXX XXXX XXXX, XXXX XXXX, CA XXXX. The loan was sold to XXXX, XXXX and they retained my services to do a short sale. I placed the home on the market for over asking price per comps and it sold in a week for full price of {$400000.00}. The buyer is putting down $ XXXX and has a solid loan. I called XXXX to confirm a short sale approval and they advised they could not short sale the home, they said the sale date is XXXX and the only way to get the sale date postponed would be to have the XXXX XXXX XXXX XXXX approve it. XXXX said that is wrong and the owner of the loan has to approve the postponement and the short sale. Now XXXX is telling me I need to talk to the owner of the loan and XXXX XXXX XXXX is telling me they sold it to XXXX. I have a full copy of all paperwork regarding what I am trying to do. I specialize in Short sales and this seems to be a huge run around. XXXX myself and the owners are getting no where and the time is counting down to the Forclosure sale date on this property. PLEASE HELP!
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| 09/30/2015 |
Yes |
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- Loan modification,collection,foreclosure
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Web |
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XXXX has totally ignored the XXXX in respect to my loan. My loan is in an ongoing foreclosure case. I qualified for the XXXX, completed the application, sent it to XXXX along with all documentation in 2012. They repeatedly asked for the same documents acting as if they could not find or " did not receive '' the documents. Please see the attached documents that were just filed with the XXXX XXXX Florida Courts on this past Monday. I have proof from third party verification of documents being supplied to them, the documents supplied, and my appeal to them when they would claim they had not received the documents. And then more document requests afterwards. Then they transferred the servicing of the loan to Residential Credit Solutions whom now say they do not have to abide by the terms of the XXXX and are forcefully moving towards a foreclosure hearing when my original loan modification has not been concluded or even offered. I definitely fit every detail required for a loan modification that would require a significant reduction in principle and they are acting in bad faith to circumvent the required relief that I seek.
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| 05/20/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Credit decision / Underwriting
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Web |
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Residential Credit Solutions ( RCS ) is not reporting my payment history correctly with the credit bureaus. My loan was transferred from XXXX XXXX XXXX in XXXX XXXX, RCS did not send modification paperwork until XXXX/XXXX/XXXX. The following are the lates showing on file from XXXX XXXX - XXXX XXXX : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX days during the modification, when they would not allow me to make a payment during this process, so technically there should be no lates on file with RCS. Please review the way this is reporting as it makes no sense to me. I would like this erroneous data removed from my credit file.
XXXX XXXX XXXX sold my loan to Residential Credit Solutions ( RCS ) in XXXX. RCS approved my modification they added 10 years to the life of the loan at the same interest ( 5.75 % ) and increased the monthly payment. My monthly payment should have decreased when they added the additional 10 years to the term. When I caught the mistake and asked them about this they said I signed the loan documents agreeing to the terms. My loan is now transferred to XXXX.
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| 05/28/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
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|
Web |
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Residential Credit Solution ( RCS ), a mortgage servicer, placed forced-placed insurance on my property. I do not have a mortgage or loan with this company ; they have no standing to place any type of insurance on my property. The rule on Force-Placed Hazard Insurance became a final rule effective XXXX XXXX, XXXX ( H.R.4173, the Wall Street reform bill entitled, " Dodd-Frank Wall Street Reform and Consumer Protection Act '' ). Section 1024.37 entitled " Forced-Placed Insurance '' - prohibit a servicer from purchasing force-placed insurance if the escrow account contains insufficient funds to pay for the borrower 's hazard insurance. RCS sent me a letter dated XXXX XXXX, XXXX with a copy of the evidence of insurance stating coverage begins XX/XX/XXXX. None of the forced-placed requirements were followed. Again, I state, RCS has no standing, I have no mortgage or loan with this company. My original lender was XXXX XXXX XXXX XXXX and I have a Release of Lien filed in the XXXX County Clerk 's office dated XXXX XXXX, XXXX. XXXX has caused fraud of title, fraud of credit, and fraud of trespass of title.
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| 09/03/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
Older American |
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I disputed an Adverse Account on Credit report file # XXXX by XXXX XXXX XXXX ( XXXX ).
My Loan was to be paid by XXXX XXXX, XXXX XXXX XXXX, XXXX Co XXXX.who never changed the mortgage holder after they were notified XX/XX/XXXX from XXXX XXXX to XXXX. My mortgage payments were made from my XXXX XXXX checking automatically bi weekly to XXXX XXXX. I have copies of bank statements verifying these payments. XXXX XXXX continued to pay XXXX XXXX in error by their own statements and had written to XXXX of their error and that it would be resolved. I was worried about my credit report because even though XXXX was notified of the error and said I would not be reported as late, they reported me to XXXX as delinquent from XX/XX/XXXX to XX/XX/XXXX. As it turned my perfect credit was marred by this error, of which was not my failure to pay, but XXXX error and it was compounded by XXXX 's failure to cooperate with all my requests and correspondance from XXXX XXXX. They were keep in the loop during the entire 7 month period by voice, email and fax by myself and XXXX XXXX who had taken full responsibility.
|
| 10/20/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan servicing, payments, escrow account
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|
Web |
Servicemember |
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In XXXX 2013, Residential Credit Solutions took over my mortgage from XXXX. I set up an automatic monthly withdrawal to make the minimum payments and I mail them a check when I have extra money to put to the principal of the loan. My problem is that every time that I mail this company a check, they do not put the full amount to the principle as I direct them in an enclosed letter and on the remittance slip. In one case, they even turned off my monthly automatic payment without informing me. They have lost checks that I have sent them. They never return my telephone calls or e-mails. I have even made a complaint with the XXXX. The company 's website does not allow me to pay the extra principle without incurring additional fees. When the company does respond to my written complaints, it takes them nearly two months to respond. This nightmare has been going on for more than two years. I have kept all of my correspondence with this company and I have scanned all the checks and letters that I have sent them. I would like some one with authority to end this company 's abusive and endless tactics.
|
| 03/15/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
|
|
Web |
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Failure by Residential Credit Solutions ( RCS ) to apply an accepted payment to principal, interest, escrow, or other charges under the terms of the mortgage loan and applicable law ( XXXX XXXX XXXX ( XXXX ) ( XXXX ) ) On XXXX XXXX XXXX, we received a Final Escrow Account Disclosure Statement ( Short Year History Statement ) for the reporting period XXXX XXXX through XXXX XXXX. The Final Escrow Account Statement was dated XXXX XXXX XXXX.
The Final Escrow Disclosure Statement does not reflect our scheduled XXXX XXXX, XXXX payment that was accepted and deposited by RCS on XXXX XXXX XXXX. This payment was processed by RCS before servicing transferred to XXXX XXXX XXXX.
The correct ending escrow balance is {$2800.00} not/not {$2400.00}.
Servicing of our loan transferred from RCS to XXXX XXXX XXXX on XXXX XXXX XXXX. RCS transferred an escrow balance of {$2400.00} to XXXX. They failed to transfer the {$430.00} that was accepted and deposited by RCS on XXXX XXXX XXXX. The correct amount of escrow that should have been transferred to XXXX XXXX is {$2800.00}
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| 09/30/2015 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan modification,collection,foreclosure
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|
Web |
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Residential Credit Solutions , Inc. acting as the Servicer of this mortgage has failed to meet all of its requirements under XXXX and illegally foreclosed on my personal home by selling it at auction on XXXX/XXXX/2015. The direct violation of XXXX law is based on RCS improperly and unfairly reviewing my loan modification request for relief. i have submitted a complete loan modification direct via fax and have been forced to resubmit the same package several times. In addition RCS denied me help several times and i never got a single person to answer my questions honestly or directly. RCS Mortgage illegally commenced and conducted an illegal foreclosure without offered any workout relief options for me. They have clearly violated XXXX specifically under the " dual tracking '' clause. RCS instructed and allowed the foreclosure trustee named XXXX o illegally foreclose on my property. there was no reason why RCS should have denied my request or conducted a the illegal foreclosure.
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| 10/14/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
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|
Web |
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I see that the CFPB has already fined Residential Credit Solutions ( RCS ) with a {$1.00} XXXX dollar fine for illegal mortgage service practices. It seems that RCS has committed the same practices on me. On XXXX/XXXX/2015, I received a letter from my previous mortgage loan company, Residential Credit Solutions, that I was NO longer required to pay Private Mortgage Insurance. Per a recorded conversation with them, it was confirmed that the PMI was cancelled on XXXX/XXXX/2015. However, I continued to be charged PMI in the form of Escrow. I faxed a copy of my complaint along with their original letter to RCS. I received a reply from RCS wth a confusing breakdown that they supplied. Their response as to why I was no longer required to pay PMI, but, NOW have to pay Escrow was not satisfactory, nor, reasonable. Months later, my loan was sold to XXXX. XXXX continues to charge the monthly escrow. I will attach documentation to support my claims with this complaint.
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| 05/19/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
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|
Web |
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XXXX XXXX XXXX sold our mortgage to Residential Credit Solutions based in XXXX XXXX, Texas, after a 5 year fight in court under Bankruptcy. A modification was done and accepted. The terms and payment schedule was set and agreed to by all. RCS, is coming back now and charging us for what they called un-applied funds which are 2 months of regular payments. I 've submitted documentation showing all payments have been done per the terms. They are threatening us with acceleration to foreclose our mortgage. And they 're not accepting our regular payment. I think they 're practicing unfair business practices since we 're XXXX. We want to work with RCS and resolve this issue and for them to stop the threatening letters. By not accepting our regular payment, I believe they 're forcing us to be even more delinquent by adding more penalties and reporting us being more than 60 days late. Which in my opinion is totally false! ... We need desperate help!
|
| 07/08/2015 |
Yes |
|
- Loan modification,collection,foreclosure
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|
Web |
Older American |
|
RE : Error in Evaluation of Loan Modification of Loan # XXXX am the homeowner at XXXX XXXX XXXX, XXXX XXXX, NY XXXX and RCS, the loan servicer, has made a patent error in the Loan Mitigation Application request of # XXXX by calculating the wrong monthly gross income as {$7000.00}. Because of this error RCS has rejected my Loan Mitigation Application.
I am writing to rectify the error RCS has made and am appealing the basis of RCS ' decision. It seems that RCS has used outdated income information provided to XXXX XXXX XXXX back on XXXX/XXXX/2014 instead of using my current income.
My correct current monthly income is $ XXXX. The basis of my correct income is attached.
Kindly use the above to ask RCS to correct the error in the Loan Mitigation Application and reassess loan modification request based on my correct monthly income of $ XXXX/-Thank you.
-- XXXX XXXX XXXX, XXXXcc : HAMP Solution Center, XXXXXXXXXXXX ( ID XXXX )
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| 04/22/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
|
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My mortgage services is Residential Credit Solutions. To pay the mortgage only line they charge a minimum {$5.00} fee. Not wanting to pay the fee, I am forced to mail a check every month. the last 3 months, despite mailing the payment in at least 5 days in advance each time, RCS does not process the payment until XXXX+ weeks after the payment has been mailed. They then charge a late fee for receiving the payment after the XXXX of month. They should not be charging a fee to accept an on time payment processed online thorough their website. they claim they are not a bank so there fore they have to use a XXXX party service who charges them fee and the the consumer must pay the fee. they claim they can not control the post office, but it does not take XXXX weeks for mail to arrive to a domestic location. I have now been charged {$140.00} in late fees, plus been forced to pay an addition {$10.00} in online payment fees
|
| 05/15/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
Older American, Servicemember |
|
This issue has been going on too long and has totally destroyed my credit and financial status. I have contacted the FTC who forwarded my letter to the CFPB and nothing is being done to correct my credit reports. I ca n't get any credit or loans due to the fraudulent reporting of the Residential Credit Solutions and improper investigation by the credit reporting agencies. Short of filing a lawsuit my next step is to contact my state senator. With all the damage done to me the foreclosure in 2012 should be be completely expunged from my records. I 'm not waiting any longer to take further action on this matter. I just received another notice from my mortgage broker that he ca n't proceed until my credit reports have been corrected or updated. Records are still showing collection account. I want immediate action to correct this matter and retribution from RCS for fraudulent reporting.
|
| 05/20/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
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I am currently having XXXX issues with RCS : 1. Their inability to honor my requests to remove PMI from my loan. I 've sent a couple of requests via fax (?!? ) to their Correspondence Department to have PMI removed since I have satisfied their requirements. At no time have they honored my request and have even told me they never received my last XXXX requests. As a result of their ineptitude the most recent payment for XX/XX/XXXX has not been applied to my account which of course made my XX/XX/XXXX payment late ... here comes another late fee. 2. They received my XXXX payment on XX/XX/XXXX for a XX/XX/XXXX due date and they did not apply it to my account until XX/XX/XXXX, thus making the payment late. They then charged me a {$130.00} late fee due to their inability to apply my payment timely. They are not acknowledging their error and refuse to credit back the late fee.
|
| 06/16/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I HAVE A FORECLOSURE SALE SCHEDULED FOR XXXX/XXXX/2015. I HAVE APPLIED FOR MORTGAGE ASSISTANCE, BUT BECAUSE OF SLOPPY AND INCOMPETENT PROCESSING OF MY REQUEST FOR ASSISTANCE I WAS DENIED. I DISCLOSED ALL MY INCOME INCLUDING RENTAL INCOME AND TRUST INCOME. THE RENTAL AND TRUST INCOME WAS NOT CONSIDERED IN THE UNDERWRITING DECISION. THIS INCOME WAS IGNORED AND I WAS DENIED. I WAS TOLD THAT DESPITE THE FACT THAT I FULLY DISCLOSED ALL MY INCOME I WOULD NEED TO RE-APPLY FOR THEM TO CONSIDER ALL MY INCOME WHICH WOULD INCLUDE THE RENTAL AND TRUST INCOME. IN ADDITION, I HAVE NOT RECEIVED A WRITTEN DECISION NOR HAVE I BEEN PROVIDED A 30 DAY APPEAL PERIOD. INSTEAD, I HAVE BEEN GIVE A FORECLOSURE SALE DATE. MY SERVICER, RESIDENTIAL CREDIT SOLUTIONS, PREFERS TO PROFIT BY ANY AND ALL MEANS - EVEN IF IT MEANS TRAMPLING ON THE RIGHTS OF HOMEOWNERS AND VIOLATING THE LAWS.
|
| 02/03/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
Regarding RCS aka Residential Credit Solutions , Inc They falsely reported that we submitted NSF checks for XX/XX/XXXX & XX/XX/XXXX payments.
As soon as we submitted proof that they received payment RCS claimed XX/XX/XXXX and XX/XX/XXXX check payment also was NSF. Then the story changed, RCS alleged that we wrote the check on a closed account. The check had not been presented to our bank. After a heated exchange yesterday, miraculously the check in question was submitted for payment this morning. RCS failed to return phone calls, confirm payments and did not ever mention reversing late fees they assessed to our account. The expedite hot line never returned a call. Customer service was no help and was only concerned with collection information updates. Complaints are filed with Attorneys General with XXXX, XXXX XXXX, XXXX and XXXX XXXX XXXX XXXX XXXX, TX.
|
| 02/22/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
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|
We ask for a modification starting XXXX XXXX, due to our loan payment going from XXXX to XXXX. We had did a modification XXXX we were suppose to have a fix rate. We was upside down in our loan XXXX and the value at the time was XXXX. We started the process of a loan modification. Due to XXXX she had gotten worse and I was XXXX. I do the communication with RCS. I was recovering it delayed the process until XXXX XXXX. RCS and I communicate back and forward about the loan modification. My point of contact person XXXX XXXX assured me that there was nothing to worry about do n't send in any payments because they was processing the loan modification. I have a letter documenting the whole process. I will upload. I received a letter from there attorney office stating they was foreclosing on our home. The sale date is XXXX/XXXX/XXXX Thank You, XXXX and XXXX XXXX.
|
| 02/05/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
Older American |
|
My loan was transferred from XXXX XXXX XXXX to RCS in XXXX XXXX. Since the transferred RCS has put us through XXXX trying to obtain a loan modification. Despite receiving verifications of all of our income stream, which is {$9300.00} a month, they only choose to use my Social Security of {$2600.00} a month. XXXX more than once has Dual Track our loan, the latest was a letter dated XXXX/XXXX/XXXX, titled Notice of Default and intent to Accelerate, which was followed by a letter dated XXXX/XXXX/XXXX, was a combination of a denial letter and a pre-foreclosure notice. This is totally against the California Homeowners Bill of Rights. I have submitted another full package which includes pay stubs, XXXX, annuity income and social security income in support of the {$9300.00}. I anticipate, RCS will begin to nit pick, and claim not to have received the documents.
|
| 09/28/2015 |
Yes |
|
- Settlement process and costs
|
|
Web |
|
|
We have been working through a short sale since late XXXX and just found out TODAY that the seller has XXXX loans ( the seller 's realtor has been horrible communicating with us ). The seller has short sale approval and we already went through negotiation with the bank. We were told we would close on or before XXXX and sold our house with a closing date right after that. We are now 3 weeks from when we are supposed to close and just heard that XXXX XXXX XXXX approved the short sale, but now we are still waiting on Residential Credit Solutions. We need the approval letters ( now 10 weeks later ) to finalize our mortgage and to ensure my family - with a XXXX and XXXX year old - are not homeless leading into the winter months of Massachusetts. What can I do to escalate this at Residential Credit Solutions so we know where we stand and next steps?
|
| 08/31/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
RCS. Residential Credit Solutions. Fails to post payments and insists they were not received ..after loan from an other bank is sent to them it takes months yo get any account number or statement. Phone service will tell you that statements are not required to be sent out..but how can you make a payment if you have no were to send it..they answer that is your problem..after many attempts at trying to resolve this issue they say your late and going to be foreclosed on..they leave you no option in the end but to agree to a payment plan with huge payments and high fees associated with it..this is a scam to try to put you into foreclosure ..rude people to deal with ... .I am not alone in this there are many complaints on line with others..why can a business get away with this obvious illegal behavior..
|
| 12/03/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I got a letter from RCS on the XXXX/XXXX/2015. XXXX what their service did was n't fraud, but identity theft. I have file a complaint with the attorney general of texas. The lady at the attorney general office. stated to me, that I needed to file for identity theft not fraud. She also stated that I need to forget about getting my money back, she said that 's gone. I know she would n't like it if some one are these companies cheat her out of your her money. Yes! '' I did send the attorney general of texas. The contracts and the release form. Yes '' XXXX XXXX and RCS committed fraud. Not one of these companies could tell me who was the lien holder are the not holder. The reason is there 's not one. Because I do n't owe any one any thing.I will send the contract to your service in a coulpe of days.
|
| 05/28/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
Residential Credit Solutions XXXX RCS XXXX failed to pay my homeowner 's insurance out of escrow last year. The due date for the insurance premium payment was XXXX/XXXX/14, they did not pay until the end of XXXX. Because of this, for approximately XXXX months last year, I did not have coverage on my residence. I had to go through an insurance reinstatement process after RCS finally paid the premium. The same issue happened this year. The insurance premium was due on XXXX/XXXX/15. As of today XXXX XXXX/XXXX/15 XXXX, the premium has still not been paid even though I pay into escrow for this. I have not had insurance coverage since XXXX/XXXX/15 because of this. Today I had to pay {$370.00} out of pocket to re-instate coverage and also had to sign a Statement of No Loss.
|
| 07/08/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
Servicemember |
|
My mortgage was recently sold to Residential Credit Services ( RCS ). My current interest rate is 2 %, but RCS has been charging me 3 %. I am going on week XXXX of trying to get it changed, they have acknowledged the error, but it is still at 3 %. I am getting ready to sell my home and need this corrected and the incorrect amount that has been applied to interest needs to be applied to my principal balance. I also have never received any buyer/owner incentive that my HAMP modification indicated I would be receiving ( {$83.00} per month or {$1000.00} per year ). I am approaching my XXXX year into the modification and have never received any documentation indicating this incentive had been credited towards my principal balance.
|
| 01/23/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
Servicemember |
|
Hello I send a complaint last month about Residential Credit Solutions. I was following up to see if there was any results. I do n't want to lose my home. I was asking about a mortgage that was discharged in a Chapter XXXX and still being charged the full amounts of the loan. My mortgage was sold to Residential Credit Solutions from XXXX XXXX XXXX. My mortgage amount should be much lower from my records of payments to XXXX XXXX XXXX and Residential Credit Solutions. On my credit reports, Residential Credit Solution, reports my mortgage as " XXXX ''. However, according to Residential Credit Solution payoff amounts, it is almost the same as the original cost of my home, which was {$95000.00} in 1993, when I purchased my home.
|
| 10/01/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I have been making an extra principal payment to my mortgage company - Residential Credit Solutions - on the XXXX of every month, clearly marked " apply to principal only. '' I just realized that it is n't getting applied to my principal until they receive my next regular monthly payment at the end of each month. They note the additional payment as " miscellaneous '' on my account detail but DO NOT reduce my mortgage balance until they apply it with my regular monthly payment. This means that for basically two weeks the money I have sent to reduce my principal is just sitting there.
Can they do this? I have called them XXXX to inquire and the customer service representative, both times, has said it is being reviewed.
|
| 06/03/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
XXXX ) deducted approx. {$150.00} in excess of the am't to which I had agreed, - WITHOUT ANY NOTICE, oral or written to me. XXXX is XXXX ( at least ) lender in line. XXXX ( Complainant ) has never had any lapse in casualty insurance, or tax, provision ( s ) for the entire life of the loan! XXXX has taken a chge of {$270.00} " owed '' for alleged failure to maintain hazard ins on said prop'ty [ defined as XXXX XXXX personal residence XXXX has provided only dunning letters, giving NO information. XXXX that XXXX is specifically attacking XXXX on the basis of 1 ) XXXX and2 ) XXXX Plaintiff in # XXXX of XXXX " XXXX '' cases. XXXX XXXX hazard ins co. broker faxed proof of continuing coverage on XXXX/XXXX/2015 to XXXX Co.
|
| 06/15/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
Servicemember |
|
In XX/XX/XXXX until XX/XX/XXXX, I was XXXX active duty XXXX. My wife and I had an existing mortgage with XXXX during this period. Due to the financial impact my deployment, we discovered that we were no longer able to afford the payments and approached XXXX for a loan modification. Over the course of the next 2 years, we were strung along by XXXX until they sold the mortgage to Residential Credit Solutions (RCS) who then told us that they were working with us on the loan modification. In reality, RCS has increased our payments and, as we have come to recently find out, has initiated the foreclosure process. Please help us! I served my country in good faith and am now being put out of house and home.
|
| 06/24/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I Have been requesting a loan payoff or Satisfaction of Mortgage from Both RCS ( Residential Credit Solutions , Inc. ) my last known Servicer and XXXX the previous Servicer since XXXX 2014. As per Florida Statue XXXX a loan payoff must be provided within 14 days of the written request. All I have obtained from both of these lenders is a run around each pointing finger at the other. It is ridiculous that the CFPB that was created to protect the public from these Lenders not following the law will not help me. They have ignored all requests and continue with the run around. See most recent response letter. RCS has claimed that the loans were paid off but they will not send the satisfaction of mortgage.
|
| 05/15/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
My husband lost his job in XXXX 2013. I called RCS that night and explained the situation. They told me they could n't help me until I fell XXXX months behind. Unfortunately we did fall that far behind. I started the making home affordable paperwork. I handed all info into them and every week they state they are missing page XXXX of XXXX or they cant read the bottom of page XXXX. I keep faxing every week. I call them on Monday and fax what they need the next day. By Friday they tell me they need more papers. We met at mediation and their lawyer signed off saying they have all paperwork. XXXX weeks later I called to hear them ask for more documents. its been XXXX yrs plus and still nothing.
|
| 07/06/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
Servicemember |
|
I had a mortgage through Residential Credit solution for the past three years I continually sent information to have our mortgage refinanced. They not only gave me the run-around they continued to put are home up for a Sheriff sale. In the past three years we have put {$30000.00} on our mortgage only now we owe more money then what it was owed. XXXX continually to refinance stating that we did n't give them all the information which was not true they just continually gave us the run-around only XXXX have the company shut down and we come to find out that they done this to other people this company stole from us lied to us and all we want is that money credited properly to our account.
|
| 02/27/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I am filing a complaint against Residential Credit Solutions , Inc. ( RCS ) for three actions related to my loan. First and foremost RCS withheld {$630.00} of my money that I had paid into my escrow account when they transferred my loan to a new servicing company ( XXXX XXXX XXXX XXXX XXXX, hereafter XXXX ). Second, after RCS sent me a transfer letter and XXXX sent me a statement for my XXXX payment, RCS sent me a XXXX mortgage statement. Thus, I am being billed twice in one month by XXXX companies for the same mortgage. Third, RCS instituted an improper increase in my escrow payment that occurred in XXXX, 2015. I have provided detailed supporting evidence in attachments.
|
| 11/18/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I received a communication dated XX/XX/XXXX from Residential Credit Solutions , Inc. ( hereinafter " RCS '' ) attempting to collect a debt. I received the letter XX/XX/XXXX.
I sent it a demand for validation and notice of dispute XX/XX/XXXX. RCS received it XX/XX/XXXX.
On XX/XX/XXXX I received a communication dated XX/XX/XXXX from XXXX XXXX of the Loss Mitigation Team at RCS. The letter is another attempt to collect a debt that RCS claims I owe, was delinquent when it acquired the right to collect it, and offers options to avoid foreclosure.
RCS has failed to provide validation of the debt and every part therein as of the date I received the letter XXXX
|
| 11/13/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
Servicemember |
|
Residential Credit Solutions in Texas has been trying to foreclose on our mortgage. They have dragged this case through court for 5+ years and have refused us a trial modification. They also refuse to speak to me or my husband regarding our loan or options. They drag it out and drag it out and then tell us that our loan is delinquent for an excessive amount of months which has been out of our control. They also have lost the original note. We have a court date tomorrow and are going to ask for more time to appeal their decision, but do n't know if the judge will allow us more time.
Also this is a VA loan and the VA has never tried to help us or counsel us!
|
| 07/24/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
On XXXX XXXX, 2015 I made my mortgage payment and got a confirmation number. Later, RCS informed by letter that I was late. When I called the company, they found that a number was missing. After talking to several people, I was informed there will be a XXXX dollar late fee, plus XXXX dollar to pay by phone. I do not believe I should have received a late charge since the company could see that a number was missing, I had payed on time and never was late. I received a confirmation number. I feel cheated, and helpless because there is no effective remedy to complain about this horrible mortgage company that is allowed to continue its abusive business practices.
|
| 07/18/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
My mortgage was transfered to Residential Credit Solutions , Inc effective XXXX 2015. I did not receive a new account number and payment information from the servicing company until mid XXXX. Since then I have made payment as required monthly, however, residential credit solutions inc has not been applying my payments since XXXX to date to my mortgage. Instead, they are charging me late fee monthly and reported the account as past due on my credit report. Every attempt to straighten out my account has failed. I was promised several times that they will apply my payments but nothing has happened to date. I have copies of processed checks to proofs.
|
| 03/20/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I have been in review with my lender for XXXX 7 months for a modification. They have been requesting documents and I have been sending them and they have postponed the sale dates every thirty days. They requested documents ( bank statements ) which I sent last month and despite confirming that the sale date would be postponed they went forward with the sale today. They confirmed last night that they would postpone and today they changed their tune. This is unfair as I complied with their last request, they failed to provide me with ANY options to foreclosure and they completely lied and now have foreclosed on my property.
|
| 06/14/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
have pending foreclosure in court for XXXX years due to false presumption of servicer XXXX to breach HAMP gov program to which i have been qualified in first place. After denial I have served TILA resscision notice on base of numerous TILA RESPA violations in original contract.
After all there is XXXX servicer pretending to have right to resided contract and keep accruing fees and payments which make my mortgage absolutely not fordable and in fact I have been defrauded of opportunity to keep my property on HAMP gov program.
|
| 10/08/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
Our mortgage servicing company based in Texas called Residential Credit Solution is NOT offering us an option to communicate with them electronically to resolve an issue with slamming. Despite the fact that we are paying for property insurance, they are adding the amount to our mortgage balance. Their customer service front-line folks are unable to provide the source of the escrow funds and only provide the balance. They wants us to chase their escrow folks. It appears they are on commission and only care about collection.
|
| 11/12/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
After many months, we were finally able to reach an affordable loan modification with XXXX. But soon after that, XXXX grossly miscalculated our escrow - they charged us {$1200.00} per month for insurance instead of the correct amount of {$1200.00} per year. Despite repeated efforts on our part, they would not fix the problem, they stopped crediting our payments correctly, and they put us into default. Instead of fixing the problem, they sold our account to RCS, which is now foreclosing on us because of XXXX malfeasance.
|
| 10/24/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
Servicemember |
|
Residential Credit Solutions placed my VA Home Loan account into bankruptcy status although I have not recently filed bankruptcy. I called and emailed them after receiving their letter notifying them that they made a mistake and I sent proof but they refuse to remove the active bankruptcy status from my account. Please, someone make them stop this. They stopped my automatic bank draft and refuse to accept a mortgage payment ; says I must submit payment to their Bankruptcy Department knowing that I am not in bankruptcy.
|
| 01/13/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
The RCS Inc. transfer our loan to XXXX a XXXX on XX/XX/2016, they received a payment for XX/XX/XXXX on XX/XX/2016 but they never transferred that payment to XXXX. Now XXXX says that we are XXXX month of payment behind. Yesterday we received mortgage interest statement for 2016 and it shows one month payment only, but they got XXXX payments : XX/XX/XXXX and XX/XX/2016. They never transferred payment for XX/XX/XXXX to XXXX it looks like some of them put the money in to their pocket, the amount of {$3200.00} it 's gone.
|
| 09/10/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
Servicemember |
|
Mortgage XXXX Company XXXX Residential Credit Solutions or RCS XXXX was moving forward with foreclosure process although we were still in the modification process. In fact, I notified this company in writing that I had started working with Keep Your Home California but received the Notice of Sale a week later. Also, many items of correspondence from this servicer were time sensitive but dated in such a manner to make them delinquent before received via mail ( thereby preventing timely completion at the outset ).
|
| 05/04/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I already disputed this on XXXX/XXXX/2015, but the creditor came back with a form letter response. I do not feel like it was addressed properly. Residential Credit Solutions was in error with their reporting of my credit history. I felt they used unfair practices to create late pays and fees. They 're not helpful when I call to discuss. They changed my ESCRO account minimum threshold years after I was into a loan. That 's what caused a series of late pays that was eventually corrected, never to happen again.
|
| 04/15/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
TOOK OUT MORTGAGE WITH XXXX IN XXXX AND THE LOANED SECURED BY XXXX XXXX. THE ORIGINATED MORTGAGE AS WELL AS SERVICED LOAN UNTIL XXXX ( DURING THAT TIME COMMITTED FRAUD AGAINST ME AND MY LIFE ). AND THEN TRANSFERRED TO XXXX WITH A LETTER DATED XXXX/XXXX/XXXX COVERING UO THE FRAUD VIA XXXX XXXX ) AND WITHOUT VALIDATION NOTICE ETC. TRANSFERRED AGAIN TO XXXX, RESIDENTIAL CREDIT SOL. AND NOW XXXX. ALL TRYING TO COLLECT A FRAUDULENT MORTGage accounts and leaving tradeline scaring on all XXXX bureaus.
|
| 03/27/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I had a mortgage with Residential Credit Solutions. They changed the rules on ESCRO years into the agreement and caused my payment to go up drastically for a few months. This led to a few 30 days and XXXX 60 day late. I refinanced to another bank and have paid as agreed 100 % of the time. I 've since disputed their reporting to my credit. As it turns out, they assigned a 120 day late as their response. This never happened and can be verified. I feel they 're attacking me for complaining.
|
| 02/21/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
Regarding Residential Credit Solutions ( RCS ), XXXX XXXX, Tx and XXXX XXXX XXXX, XXXX XXXX, SD.
On XXXX XXXX, 2016 ( Saturday ), I received a letter dated XXXX XXXX, 2016, from Residential Credit Solutions notifying me that my loan servicing was transferring to XXXX XXXX XXXX effective XXXX XXXX, 2016. How can a company make notification that is effectively 9 calendar days ( not working days ) prior to a transfer. I have received nothing from XXXX XXXX as of XXXX XXXX, 2016.
|
| 03/16/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Credit decision / Underwriting
|
|
Web |
Older American |
|
I had a mortgage with Residential Credit Services, the loan was forclosed in XXXX 2010. The home was vacated and returned to the bank. Since that time, I have submitted more than 5 requests to correct the credit file report to XXXX. RCS will not update the account status and continues to show the account as open with a balance owing of {$110000.00}. The same report to XXXX indicates a closed account with a XXXX balance owing ...
|
| 10/06/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
The borrower submitted a modification application through counsel on XXXX XXXX, 2015. More than five days have passed and the borrower has not yet received the notice required by XXXX XXXX Section XXXX XXXX b ) ( XXXX ) ( i ) ( B ) stating whether his loss mitigation application is complete or incomplete, and if incomplete, the additional documents and information he must submit to make the loss mitigation application complete.
|
| 11/19/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
We have repeatedly requested a reinstatement quote and have attempted to contact our point of contact. Often times, we are unable to reach anyone. When we do, we are told to expect to hear back from them but do not receive any requested information. During the loan modification application process we repeatedly had to submit information and never received a response regarding a trial or loan modification plan.
|
| 04/07/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Settlement process and costs
|
|
Web |
|
|
Residential Credit Solutions has reported to all credit bureaus that I was 180 days late on all payments from XXXX XXXX to XXXX XXXX. This account was protected under bankruptcy, and I was repaying as scheduled. The loan has since been paid completely off. RCS should be required to clear these late payment marks off my credit report to all credit bureaus.
|
| 01/20/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
We are a law firm that represents Hurricane XXXX Victims. We have achieved a settlement for our client. We are listed as a payee on the settlement check as well as Residential Credit Solutions. Residential Credit Solutions refuses to endorse the check so we may recover our contractually obligated fees and expenses.
|
| 06/18/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
Older American |
|
RCS the service provider rejected my Loan Modification Request on the basis that I did not provide them with documents in time. I disagree with them and am now resubmitting a brand new application.
To ensure that MHA guidelines are followed, I am submitting a copy of my Loan Modification Request to CFPB.
Thanks
|
| 03/29/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
Residential Credit Solutions continues to charge {$52.00} late fees even if the payment is received on time. I have all bank confirmations of timely payment thru XXXX XXXX XXXX 's online bill pay and they will not reverse the charges. I 'm not sure how they ended up with my loan but it was sold to them.
|
| 05/20/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
XXXX is reporting a mortgage with Residential Credit Solutions being delinquent 120 days as of XX/XX/XXXX. This loan was paid off in full in XX/XX/XXXX. RCS was responding to a dispute and sent incorrect info. I 'm in the middle of applying for a new mortgage and this is a big concern.
|
| 07/07/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
Residential Credit Solutions Inc took over the servicing of our loan from XXXX on XXXX/XXXX/15. They are overwhelming us with mail. We are on the unemployment program which they acknowledge but still send notice threatening us almost daily which i do not think is legal.
|
| 11/24/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Settlement process and costs
|
|
Web |
|
|
Had a bathtub flood at home. Insurance paid out XXXX but held by RCS until they could approve/prove work done. THEIR CONTRACTED INSPECTORS HAVE NEVER CALLED TO SET UP CHECK OF WORK! ca n't continue/finish work until they do without losing my insurance payout.
|
| 01/12/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
Residential Credit Solutions wants me to pay {$1200.00} in attorney ; s fees that I do not owe them. Our account is current and we do not owe them anything. Please read the information attached and it will explain everything.
|
| 11/20/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
|
|
ON XXXX/2016 I GOT LETTER FROM RCS STATING THAT THEY ARE REPORTING TO ALL BUREAUS, WHEN IN FACT ARE NOT REPORTING TO XXXX, THUS VIOLATING THE F.C.R.A. AND THE " DODD-FRANK WALL STREET REFORM AND CONSUMER PROTECTION ACT.
|
| 03/29/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
Older American, Servicemember |
|
This company is yet the newest company who claims to have my home mortgage servicing as I am still in dispute with XXXX and RCS which has not yet been resolved as requested by the White House Liasion and my Congressman
|
| 06/12/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
Although the company received a federal wire from the title company on the XXXX of XXXX, they did not post the payment until the XXXX, charging me for an extra day of interest. Refuses to credit back this overcharge.
|
| 08/10/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I filed for bankruptcy 12 years ago that was discharge and XXXX/ XXXX XXXX XXXX transferred the loan to RCS ( Residential Credit Service ) and they are now reporting on my credit report and calling for payment.
|
| 11/06/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
Residential Credit Solutions Inc who was recently put under Consent Order by the CFPB continues its abusive debt collection activities illegally foreclosing on my property.
|
| 10/31/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
We have faxed our insurance information to the mortgage company twice. They continue to claim they have not received the information and threaten to buy insurance for us.
|
| 08/04/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
Older American |
|
RCS, the Loan Service Provider, has rejected an appeal to my Loan Mitigation Application based on completely false facts.
This complaint is related to Case number : XXXX
|
| 02/12/2016 |
Yes |
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
XXXX XXXX XXXX, XXXX, RCS AND FINALLY XXXX ARE ALL VIOLATORS OF FDCPA AND DODD-FRANK ACT.
|
| 11/10/2015 |
Yes |
|
- Settlement process and costs
|
|
Web |
|
|
Your service help me to get the contract from Residential credit solutions in
|
| 06/07/2017 |
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
|
|
Web |
|
|
RCS FAILED TO REPORT TO XXXX AS PROMISED IN FACT ACT )
|
| 04/12/2018 |
No |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
|
|
Referral |
|
|
|
| 03/27/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 12/03/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 10/09/2017 |
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
|
|
Web |
|
|
|
| 08/23/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 07/28/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Postal mail |
|
|
|
| 05/22/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Older American |
|
|
| 05/16/2017 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 05/16/2017 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 03/31/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 02/04/2017 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 02/03/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 01/04/2017 |
Yes |
|
- Application, originator, mortgage broker
|
|
Phone |
Older American |
|
|
| 12/29/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Postal mail |
|
|
|
| 12/27/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Phone |
Older American |
|
|
| 12/22/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 12/14/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 12/13/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 12/05/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Fax |
|
|
|
| 11/03/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Postal mail |
|
|
|
| 10/19/2016 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan servicing, payments, escrow account
|
|
Phone |
|
|
|
| 09/23/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Phone |
|
|
|
| 09/08/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 09/01/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 08/22/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 08/19/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 08/01/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 07/28/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
Older American |
|
|
| 07/25/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 07/25/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Phone |
Servicemember |
|
|
| 07/01/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 06/29/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 06/27/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Fax |
Older American |
|
|
| 06/24/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 06/15/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Postal mail |
|
|
|
| 06/10/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
Servicemember |
|
|
| 06/08/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Postal mail |
|
|
|
| 06/08/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Phone |
Older American, Servicemember |
|
|
| 06/03/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Phone |
|
|
|
| 06/02/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
Older American |
|
|
| 05/09/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
Servicemember |
|
|
| 04/01/2016 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Fax |
|
|
|
| 03/29/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 03/28/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 03/24/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 03/18/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Credit decision / Underwriting
|
|
Web |
|
|
|
| 03/10/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 03/01/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 02/23/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 02/19/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 02/19/2016 |
Yes |
|
- Settlement process and costs
|
|
Referral |
|
|
|
| 02/18/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 02/18/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Credit decision / Underwriting
|
|
Web |
|
|
|
| 02/18/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 02/17/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Fax |
|
|
|
| 02/17/2016 |
Yes |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Fax |
|
|
|
| 02/12/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Settlement process and costs
|
|
Web |
|
|
|
| 02/12/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 02/10/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 02/08/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
|
| 02/05/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 02/02/2016 |
Yes |
|
- Settlement process and costs
|
|
Web |
|
|
|
| 01/27/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Postal mail |
|
|
|
| 01/25/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 01/22/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Phone |
Servicemember |
|
|
| 01/20/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Fax |
|
|
|
| 01/15/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 01/14/2016 |
Yes |
|
|
|
Postal mail |
|
|
|
| 01/14/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 01/08/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 01/06/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 01/04/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Phone |
|
|
|
| 12/30/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 12/23/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
Servicemember |
|
|
| 12/21/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 12/21/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Phone |
|
|
|
| 12/17/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 12/15/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 12/14/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 12/04/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 12/04/2015 |
Yes |
|
|
|
Postal mail |
|
|
|
| 12/01/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 11/30/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 11/30/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 11/17/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 11/16/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 11/13/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 11/13/2015 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Postal mail |
|
|
|
| 11/12/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 11/11/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 11/10/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 11/07/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 11/02/2015 |
No |
|
- Loan servicing, payments, escrow account
|
|
Fax |
Older American |
|
|
| 10/29/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
Older American |
|
|
| 10/28/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 10/26/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 10/26/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 10/26/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 10/21/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 10/21/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Postal mail |
|
|
|
| 10/21/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Postal mail |
|
|
|
| 10/20/2015 |
Yes |
|
- Communication tactics
- Frequent or repeated calls
|
|
Postal mail |
|
|
|
| 10/20/2015 |
Yes |
|
- Communication tactics
- Frequent or repeated calls
|
|
Postal mail |
|
|
|
| 10/14/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 10/08/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 10/05/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 10/03/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Credit decision / Underwriting
|
|
Web |
|
|
|
| 10/02/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Fax |
|
|
|
| 10/01/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Postal mail |
|
|
|
| 09/30/2015 |
Yes |
|
|
|
Referral |
|
|
|
| 09/29/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Fax |
|
|
|
| 09/28/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 09/25/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Postal mail |
|
|
|
| 09/24/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 09/23/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 09/22/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 09/20/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 09/18/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
Servicemember |
|
|
| 09/17/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 09/17/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 09/17/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Phone |
Older American, Servicemember |
|
|
| 09/16/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Credit decision / Underwriting
|
|
Web |
Older American |
|
|
| 09/14/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 09/14/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 09/10/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 09/10/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 09/08/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Application, originator, mortgage broker
|
|
Web |
|
|
|
| 09/06/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 09/04/2015 |
Yes |
|
|
|
Referral |
|
|
|
| 09/04/2015 |
Yes |
|
|
|
Referral |
|
|
|
| 09/04/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
Servicemember |
|
|
| 09/02/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 08/31/2015 |
No |
|
- Cont'd attempts collect debt not owed
- Debt was discharged in bankruptcy
|
|
Phone |
Older American |
|
|
| 08/28/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Phone |
Older American |
|
|
| 08/25/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 08/22/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 08/20/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 08/20/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 08/19/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 08/18/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 08/14/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Postal mail |
|
|
|
| 08/12/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Fax |
|
|
|
| 08/11/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Fax |
Servicemember |
|
|
| 08/11/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 08/09/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 08/05/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 08/05/2015 |
Yes |
|
|
|
Referral |
|
|
|
| 08/04/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 08/03/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
Older American |
|
|
| 08/01/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 07/29/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 07/23/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 07/21/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 07/20/2015 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 07/16/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 07/15/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 07/14/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 07/08/2015 |
Yes |
|
|
|
Referral |
|
|
|
| 07/06/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 07/03/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Credit decision / Underwriting
|
|
Web |
Older American |
|
|
| 06/29/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 06/27/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 06/25/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 06/24/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
|
| 06/12/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 06/08/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Phone |
|
|
|
| 06/08/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 06/05/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
|
|
Referral |
|
|
|
| 06/01/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Postal mail |
|
|
|
| 06/01/2015 |
Yes |
|
|
|
Postal mail |
|
|
|
| 05/26/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 05/23/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Phone |
Older American, Servicemember |
|
|
| 05/21/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 05/20/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Fax |
|
|
|
| 05/18/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 05/18/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Phone |
Servicemember |
|
|
| 05/13/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 05/06/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 05/05/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 05/01/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
Servicemember |
|
|
| 04/30/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 04/28/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Postal mail |
|
|
|
| 04/23/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 04/17/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Phone |
Older American, Servicemember |
|
|
| 04/16/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Fax |
|
|
|
| 04/13/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 04/09/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
Servicemember |
|
|
| 04/09/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 04/09/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 04/02/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 04/01/2015 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan servicing, payments, escrow account
|
|
Postal mail |
|
|
|
| 03/30/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 03/27/2015 |
Yes |
|
|
|
Referral |
|
|
|
| 03/26/2015 |
Yes |
|
|
|
Referral |
|
|
|
| 03/23/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 03/19/2015 |
Yes |
|
|
|
Postal mail |
|
|
|
| 03/16/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 03/14/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 03/11/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 03/11/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 03/10/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 03/10/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
Older American |
|
|
| 03/05/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
Older American |
|
|
| 03/05/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
Older American |
|
|
| 03/02/2015 |
No |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 03/01/2015 |
No |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 02/24/2015 |
No |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
Servicemember |
|
|
| 02/24/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 02/24/2015 |
No |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
Older American |
|
|
| 02/23/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 02/21/2015 |
No |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 02/20/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 02/18/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 02/18/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 02/18/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 02/18/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 02/16/2015 |
No |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 02/12/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
Servicemember |
|
|
| 02/11/2015 |
No |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 02/09/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 02/08/2015 |
No |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 02/06/2015 |
No |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 02/05/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
|
| 02/03/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
Older American, Servicemember |
|
|
| 02/02/2015 |
No |
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 02/01/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 01/29/2015 |
No |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Phone |
|
|
|
| 01/28/2015 |
No |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 01/28/2015 |
No |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 01/27/2015 |
No |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
Older American |
|
|
| 01/27/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Credit decision / Underwriting
|
|
Web |
|
|
|
| 01/23/2015 |
No |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 01/23/2015 |
No |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
|
| 01/23/2015 |
No |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
Servicemember |
|
|
| 01/17/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 01/12/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
Servicemember |
|
|
| 01/12/2015 |
No |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 01/02/2015 |
No |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 12/29/2014 |
No |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 12/28/2014 |
No |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 12/22/2014 |
No |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 12/17/2014 |
No |
|
- Loan servicing, payments, escrow account
|
|
Postal mail |
|
|
|
| 12/16/2014 |
No |
- Mortgage
- Home equity loan or line of credit
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 12/16/2014 |
No |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 12/11/2014 |
No |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 12/11/2014 |
No |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 12/04/2014 |
No |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 12/03/2014 |
No |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 12/02/2014 |
No |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 12/01/2014 |
No |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 11/30/2014 |
No |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 11/28/2014 |
No |
|
- Loan modification,collection,foreclosure
|
|
Web |
Older American |
|
|
| 11/24/2014 |
No |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 11/24/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 11/19/2014 |
No |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 11/14/2014 |
No |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 11/14/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
Servicemember |
|
|
| 11/13/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Postal mail |
Servicemember |
|
|
| 11/11/2014 |
No |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 11/10/2014 |
No |
|
- Loan modification,collection,foreclosure
|
|
Postal mail |
|
|
|
| 11/10/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 11/07/2014 |
No |
|
- Loan servicing, payments, escrow account
|
|
Postal mail |
|
|
|
| 11/04/2014 |
No |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 11/03/2014 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 10/31/2014 |
No |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 10/29/2014 |
No |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 10/28/2014 |
No |
|
- Improper contact or sharing of info
- Contacted me after I asked not to
|
|
Postal mail |
|
|
|
| 10/23/2014 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 10/22/2014 |
No |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
|
| 10/22/2014 |
No |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 10/21/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 10/20/2014 |
No |
|
- Cont'd attempts collect debt not owed
- Debt was discharged in bankruptcy
|
|
Web |
Servicemember |
|
|
| 10/20/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Phone |
Servicemember |
|
|
| 10/18/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 10/17/2014 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 10/17/2014 |
No |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 10/16/2014 |
No |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 10/16/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Settlement process and costs
|
|
Phone |
|
|
|
| 10/15/2014 |
No |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 10/15/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 10/15/2014 |
No |
|
- Loan modification,collection,foreclosure
|
|
Postal mail |
|
|
|
| 10/14/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 10/14/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
|
| 10/13/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 10/11/2014 |
No |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Settlement process and costs
|
|
Web |
|
|
|
| 10/11/2014 |
No |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 10/10/2014 |
No |
|
- Settlement process and costs
|
|
Referral |
|
|
|
| 10/08/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 10/07/2014 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Application, originator, mortgage broker
|
|
Web |
|
|
|
| 10/06/2014 |
No |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 10/06/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 10/06/2014 |
No |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 10/04/2014 |
No |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 10/03/2014 |
No |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 10/03/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 10/02/2014 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 10/01/2014 |
No |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 09/30/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 09/29/2014 |
No |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 09/29/2014 |
No |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 09/26/2014 |
No |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Web |
|
|
|
| 09/26/2014 |
No |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 09/25/2014 |
Yes |
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 09/25/2014 |
No |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 09/25/2014 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 09/25/2014 |
No |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 09/23/2014 |
No |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 09/22/2014 |
No |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 09/22/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Phone |
|
|
|
| 09/22/2014 |
No |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 09/20/2014 |
No |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 09/18/2014 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
Servicemember |
|
|
| 09/18/2014 |
No |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 09/17/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 09/17/2014 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
Servicemember |
|
|
| 09/15/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 09/15/2014 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 09/12/2014 |
No |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 09/11/2014 |
No |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 09/10/2014 |
No |
|
- Loan modification,collection,foreclosure
|
|
Postal mail |
|
|
|
| 09/10/2014 |
No |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 09/10/2014 |
No |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 09/10/2014 |
No |
|
- Loan servicing, payments, escrow account
|
|
Postal mail |
|
|
|
| 09/09/2014 |
No |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 09/08/2014 |
No |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
|
| 09/08/2014 |
No |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
Older American |
|
|
| 09/08/2014 |
No |
|
- Loan servicing, payments, escrow account
|
|
Postal mail |
|
|
|
| 09/07/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 09/05/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Postal mail |
|
|
|
| 09/05/2014 |
No |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
Older American |
|
|
| 09/04/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
|
| 09/03/2014 |
Yes |
|
- Settlement process and costs
|
|
Web |
|
|
|
| 09/03/2014 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Referral |
|
|
|
| 08/29/2014 |
No |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 08/29/2014 |
No |
|
- Loan servicing, payments, escrow account
|
|
Postal mail |
|
|
|
| 08/29/2014 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Postal mail |
|
|
|
| 08/28/2014 |
No |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 08/27/2014 |
No |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 08/27/2014 |
No |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 08/27/2014 |
No |
|
- Loan servicing, payments, escrow account
|
|
Fax |
|
|
|
| 08/27/2014 |
No |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
|
| 08/26/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 08/26/2014 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Web |
|
|
|
| 08/24/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 08/24/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
|
| 08/22/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 08/21/2014 |
No |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 08/14/2014 |
No |
|
- Loan servicing, payments, escrow account
|
|
Fax |
|
|
|
| 08/13/2014 |
No |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 08/12/2014 |
No |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Web |
Servicemember |
|
|
| 08/11/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 08/11/2014 |
No |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 08/11/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 08/08/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 08/07/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 08/07/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 08/04/2014 |
Yes |
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Phone |
|
|
|
| 08/04/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 07/30/2014 |
No |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 07/29/2014 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Postal mail |
|
|
|
| 07/28/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 07/28/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Postal mail |
|
|
|
| 07/25/2014 |
No |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 07/25/2014 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 07/25/2014 |
No |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 07/24/2014 |
No |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 07/21/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 07/18/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 07/17/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 07/16/2014 |
No |
|
- Loan modification,collection,foreclosure
|
|
Postal mail |
|
|
|
| 07/15/2014 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 07/14/2014 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 07/14/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
Older American |
|
|
| 07/12/2014 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 07/10/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
Servicemember |
|
|
| 07/10/2014 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Postal mail |
|
|
|
| 07/08/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 07/07/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 07/02/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Phone |
|
|
|
| 07/02/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 07/01/2014 |
No |
|
- Loan servicing, payments, escrow account
|
|
Referral |
Older American, Servicemember |
|
|
| 07/01/2014 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 06/25/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 06/25/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Postal mail |
|
|
|
| 06/25/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 06/21/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 06/20/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Postal mail |
|
|
|
| 06/18/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 06/17/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 06/16/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 06/13/2014 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
|
| 06/10/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 06/08/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 06/05/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 06/05/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 06/04/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 06/03/2014 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 06/02/2014 |
No |
|
- Loan modification,collection,foreclosure
|
|
Postal mail |
Servicemember |
|
|
| 06/02/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Phone |
Servicemember |
|
|
| 06/01/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 05/30/2014 |
No |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 05/30/2014 |
No |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 05/29/2014 |
No |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 05/28/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 05/24/2014 |
No |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 05/22/2014 |
Yes |
|
|
|
Postal mail |
|
|
|
| 05/22/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 05/20/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 05/14/2014 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 05/13/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 05/13/2014 |
No |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 05/09/2014 |
No |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 05/08/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Settlement process and costs
|
|
Web |
Servicemember |
|
|
| 05/08/2014 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
|
| 05/06/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 05/06/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 05/01/2014 |
No |
|
- Taking/threatening an illegal action
- Seized/Attempted to seize property
|
|
Referral |
|
|
|
| 04/30/2014 |
No |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 04/28/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Postal mail |
Servicemember |
|
|
| 04/28/2014 |
No |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Web |
|
|
|
| 04/25/2014 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 04/23/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 04/18/2014 |
No |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Phone |
|
|
|
| 04/17/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 04/14/2014 |
No |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 04/11/2014 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 04/11/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 04/10/2014 |
No |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 04/08/2014 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Postal mail |
|
|
|
| 04/07/2014 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 04/07/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 04/03/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 03/28/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 03/28/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 03/28/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Phone |
Older American |
|
|
| 03/26/2014 |
No |
|
- Application, originator, mortgage broker
|
|
Postal mail |
|
|
|
| 03/24/2014 |
No |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 03/21/2014 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Referral |
|
|
|
| 03/20/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 03/18/2014 |
No |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 03/17/2014 |
No |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 03/16/2014 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Settlement process and costs
|
|
Web |
|
|
|
| 03/15/2014 |
No |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 03/13/2014 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 03/07/2014 |
Yes |
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 03/07/2014 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 03/05/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 03/05/2014 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 02/27/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Postal mail |
|
|
|
| 02/27/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 02/22/2014 |
No |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 02/21/2014 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 02/20/2014 |
No |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 02/19/2014 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 02/14/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 02/14/2014 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 02/12/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 02/08/2014 |
No |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 02/05/2014 |
No |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 02/03/2014 |
No |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 02/03/2014 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
Older American |
|
|
| 01/31/2014 |
No |
|
- Loan modification,collection,foreclosure
|
|
Phone |
|
|
|
| 01/30/2014 |
No |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 01/29/2014 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
Servicemember |
|
|
| 01/24/2014 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
|
| 01/24/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 01/22/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 01/18/2014 |
No |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 01/17/2014 |
No |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 01/17/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Phone |
Servicemember |
|
|
| 01/16/2014 |
No |
|
- Loan servicing, payments, escrow account
|
|
Fax |
|
|
|
| 01/15/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 01/14/2014 |
No |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
|
| 01/10/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 01/10/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 01/08/2014 |
No |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 01/04/2014 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
Servicemember |
|
|
| 12/27/2013 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Postal mail |
|
|
|
| 12/20/2013 |
No |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Phone |
|
|
|
| 12/20/2013 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 12/18/2013 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 12/13/2013 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 12/13/2013 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 12/10/2013 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 12/09/2013 |
Yes |
|
- Communication tactics
- Frequent or repeated calls
|
|
Phone |
|
|
|
| 12/05/2013 |
No |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 12/04/2013 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 12/03/2013 |
No |
|
- Loan modification,collection,foreclosure
|
|
Fax |
|
|
|
| 11/29/2013 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 11/27/2013 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 11/21/2013 |
No |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Phone |
Older American |
|
|
| 11/19/2013 |
No |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 11/13/2013 |
Yes |
|
- Application, originator, mortgage broker
|
|
Referral |
Older American |
|
|
| 11/13/2013 |
Yes |
|
- Communication tactics
- Called outside of 8am-9pm
|
|
Referral |
|
|
|
| 11/13/2013 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 11/01/2013 |
No |
|
- Loan modification,collection,foreclosure
|
|
Web |
Servicemember |
|
|
| 10/30/2013 |
No |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 10/30/2013 |
No |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 10/30/2013 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 10/29/2013 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Postal mail |
|
|
|
| 10/25/2013 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 10/23/2013 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 10/22/2013 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 10/11/2013 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 10/10/2013 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 10/08/2013 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 10/06/2013 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 10/02/2013 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 09/30/2013 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
Older American |
|
|
| 09/24/2013 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 09/23/2013 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
|
| 09/23/2013 |
No |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 09/20/2013 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Credit decision / Underwriting
|
|
Web |
|
|
|
| 09/17/2013 |
No |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Phone |
|
|
|
| 09/13/2013 |
No |
|
- Communication tactics
- Frequent or repeated calls
|
|
Phone |
|
|
|
| 09/11/2013 |
No |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 09/06/2013 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 09/01/2013 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 09/01/2013 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 08/31/2013 |
No |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 08/28/2013 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 08/27/2013 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 08/26/2013 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 08/26/2013 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 08/22/2013 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 08/22/2013 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 08/22/2013 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 08/22/2013 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Settlement process and costs
|
|
Phone |
|
|
|
| 08/21/2013 |
Yes |
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 08/21/2013 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Postal mail |
|
|
|
| 08/21/2013 |
Yes |
|
|
|
Web |
|
|
|
| 08/20/2013 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Phone |
|
|
|
| 08/16/2013 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Credit decision / Underwriting
|
|
Web |
|
|
|
| 08/14/2013 |
No |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 08/13/2013 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 08/08/2013 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Phone |
Older American |
|
|
| 08/07/2013 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 08/05/2013 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 08/05/2013 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 08/03/2013 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 07/31/2013 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Postal mail |
|
|
|
| 07/31/2013 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 07/29/2013 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Fax |
|
|
|
| 07/27/2013 |
No |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 07/23/2013 |
No |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 07/19/2013 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 07/17/2013 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 07/16/2013 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Credit decision / Underwriting
|
|
Web |
|
|
|
| 07/12/2013 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was discharged in bankruptcy
|
|
Web |
|
|
|
| 07/12/2013 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 07/11/2013 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Web |
|
|
|
| 07/11/2013 |
No |
|
- Loan modification,collection,foreclosure
|
|
Phone |
|
|
|
| 07/10/2013 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
Older American |
|
|
| 07/10/2013 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Postal mail |
|
|
|
| 07/09/2013 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 07/08/2013 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 07/01/2013 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 06/28/2013 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 06/27/2013 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 06/26/2013 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 06/25/2013 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Postal mail |
Older American, Servicemember |
|
|
| 06/21/2013 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 06/20/2013 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 06/19/2013 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Fax |
Servicemember |
|
|
| 06/13/2013 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 06/11/2013 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 06/10/2013 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 06/03/2013 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 06/03/2013 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 06/01/2013 |
No |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 05/30/2013 |
No |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 05/29/2013 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
Servicemember |
|
|
| 05/23/2013 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Postal mail |
|
|
|
| 05/13/2013 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 05/13/2013 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Phone |
Servicemember |
|
|
| 05/10/2013 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 05/09/2013 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 05/09/2013 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 05/06/2013 |
Yes |
|
|
|
Postal mail |
|
|
|
| 05/06/2013 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 05/04/2013 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 04/24/2013 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 04/24/2013 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 04/24/2013 |
No |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 04/24/2013 |
Yes |
|
|
|
Referral |
|
|
|
| 04/19/2013 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Phone |
|
|
|
| 04/18/2013 |
No |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 04/17/2013 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
Older American |
|
|
| 04/13/2013 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 04/11/2013 |
No |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 04/09/2013 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 04/03/2013 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 04/03/2013 |
No |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
Servicemember |
|
|
| 04/02/2013 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 04/02/2013 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 04/02/2013 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Fax |
|
|
|
| 04/02/2013 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 04/01/2013 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Postal mail |
|
|
|
| 03/29/2013 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
Servicemember |
|
|
| 03/28/2013 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 03/28/2013 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 03/26/2013 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 03/22/2013 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Phone |
|
|
|
| 03/20/2013 |
No |
|
- Loan modification,collection,foreclosure
|
|
Fax |
|
|
|
| 03/20/2013 |
No |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 03/18/2013 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 03/18/2013 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 03/16/2013 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 03/07/2013 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 03/07/2013 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 03/07/2013 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
Older American, Servicemember |
|
|
| 02/21/2013 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 02/19/2013 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 02/19/2013 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 02/14/2013 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 02/06/2013 |
No |
|
- Loan servicing, payments, escrow account
|
|
Phone |
Servicemember |
|
|
| 02/04/2013 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Settlement process and costs
|
|
Web |
|
|
|
| 02/04/2013 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 02/04/2013 |
No |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 01/28/2013 |
Yes |
|
- Application, originator, mortgage broker
|
|
Web |
|
|
|
| 01/27/2013 |
No |
|
- Loan modification,collection,foreclosure
|
|
Web |
Older American, Servicemember |
|
|
| 01/23/2013 |
No |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
Servicemember |
|
|
| 01/22/2013 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 01/17/2013 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Fax |
|
|
|
| 01/16/2013 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 01/16/2013 |
No |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 01/15/2013 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 01/11/2013 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
Servicemember |
|
|
| 01/07/2013 |
No |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 01/04/2013 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
Servicemember |
|
|
| 01/03/2013 |
No |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 12/28/2012 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 12/27/2012 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 12/19/2012 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 12/10/2012 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 12/10/2012 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 12/06/2012 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Fax |
Older American |
|
|
| 12/05/2012 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 12/03/2012 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Phone |
|
|
|
| 11/29/2012 |
No |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 11/26/2012 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 11/20/2012 |
No |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 11/15/2012 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 11/13/2012 |
No |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 10/30/2012 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 10/25/2012 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Settlement process and costs
|
|
Web |
|
|
|
| 10/24/2012 |
No |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
Servicemember |
|
|
| 10/05/2012 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Postal mail |
|
|
|
| 10/02/2012 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 09/27/2012 |
No |
|
- Loan modification,collection,foreclosure
|
|
Postal mail |
|
|
|
| 09/20/2012 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 09/20/2012 |
No |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 09/19/2012 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 09/13/2012 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 09/11/2012 |
No |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 09/10/2012 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan modification,collection,foreclosure
|
|
Postal mail |
|
|
|
| 09/10/2012 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 09/08/2012 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Credit decision / Underwriting
|
|
Web |
|
|
|
| 09/07/2012 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan modification,collection,foreclosure
|
|
Postal mail |
|
|
|
| 08/31/2012 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 08/30/2012 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Postal mail |
|
|
|
| 08/28/2012 |
No |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Phone |
|
|
|
| 08/27/2012 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Phone |
Servicemember |
|
|
| 08/25/2012 |
Yes |
|
- Settlement process and costs
|
|
Web |
|
|
|
| 08/23/2012 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 08/17/2012 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 08/16/2012 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 08/02/2012 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 08/01/2012 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Phone |
Servicemember |
|
|
| 07/30/2012 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 07/26/2012 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
Servicemember |
|
|
| 07/25/2012 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 07/23/2012 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
Servicemember |
|
|
| 07/09/2012 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Postal mail |
|
|
|
| 07/09/2012 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 07/03/2012 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Phone |
|
|
|
| 07/02/2012 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Phone |
Older American |
|
|
| 06/25/2012 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 06/14/2012 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
|
| 06/06/2012 |
Yes |
|
|
|
Postal mail |
|
|
|
| 05/24/2012 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
|
| 05/10/2012 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 05/09/2012 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Postal mail |
|
|
|
| 05/05/2012 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 05/04/2012 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Postal mail |
|
|
|
| 04/25/2012 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 04/09/2012 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 04/02/2012 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Referral |
Servicemember |
|
|
| 03/23/2012 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 03/12/2012 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 02/03/2012 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 12/13/2011 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|