Reverse Mortgage Solutions, Inc. CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
05/23/2020	Yes	Mortgage Reverse mortgage	Struggling to pay mortgage	CA XXXXX	Web	Older American
XX/XX/2020 THIS IS A CASE OF SWITCH THE PITCH, CONFUSE THE ISSUE, AND MIX-UP THE FACTS, DONE WITH IMPUNITY, ALL TO THE DETRIMENT OF UNDERWATER REVERSE MORTGAGE PROPERTY OWNERS, THE ELDERLY, THE UNEDUCATED, AND THE POOR ... Here 's what happened .... When my mother passed away, her Reverse Mortgage went into default. In XXXX of last year " Reverse Mortgage Solutions '' ( RMS ) began the foreclosure process. I am the executor of her estate. I listed mom 's home for sale with a Short Sale Realtor. In 2020 RMS approved a {$950000.00}. sales price deal and they postponed the foreclosure date. XXXX XXXX, 2020 - Reverse Mortgage Solutions ( RMS ) offered me {$7000.00}. as a moving incentive, independent of the Short Sale. XX/XX/2020 - RMS sent me a XXXX and RMS told me to notify them when I had vacated the property. XX/XX/2020 - RMS repeated this offer to me on my birthday XX/XX/XXXX. I accepted their offer and agreed to move out of mom 's residence by XX/XX/XXXX, before the inspection on XX/XX/XXXX, and Foreclosure Sale on XX/XX/XXXX. The deal was {$7000.00}. in return for an " unoccupied '' property by the Foreclosure Auction date. XX/XX/2020 - After 3 days notice ( XX/XX/XXXX to XXXX ) I vacated the property, with great inconvenience and expense. I even executed a Notarized Statement, after moving out, and subsequently I notified RMS of this. Relying on the RMS offer I was out within 3 days and I moved in such haste, all to my physical and financial detriment. After I complied, RMS postponed the Foreclosure date and they didn't send me the {$7000.00}. check, and now they have arbitrarily proposed different terms, in a condescending way, completely their agreement with me. XX/XX/2020 - In response to my inquiry about the {$7000.00}. RMS unilaterally proposes additional terms to our agreement. They state " if the property is auctioned at a foreclosure sale, property is vacant by XX/XX/2020 and is left in broom-swept condition, the {$7000.00} incentive would be paid in full. An inspection will be conducted on XX/XX/2020 to confirm the status of the property ... '' etc. etc. WHAT IS THIS DATE OF XX/XX/2020 FOR PROPERTY INSPECTION??? They stated " the incentive offer can not be extended further. If the current contract falls through or the property can not be vacated by XX/XX/2020, RMS can no longer extend the offer of a {$7000.00} incentive. '' This wasn't our agreement. I moved out per their offer. Now they change the date to XX/XX/XXXX, and they propose additional conditions, after we had an agreement, and I complied fully. " If the current contract ... '' There is no " current contract. '' This week my Realtor put together a Short Sale for {$950000.00}. and RMS " denied '' the approval, so there is no " current contract. '' Finally, the responsible party doesn't even sign with their own name, but with an impersonal " Regards, RMS Correspondence Department. '' For all I know, this email could have been written by a robot!!! XX/XX/2020 - a new entity, " Customer Service for MyRMLoan '' sends me the following communication : " Without any obligation, the investor of your mothers loan approved you to conduct a short sale of the subject property and offered you a relocation incentive of {$7000.00} on the express condition that the sale of the property closed and completed by a set date ... '' THIS WAS PART OF THE SALES LISTING AGREEMENT, WHICH BOTH THE BUYER AND RMS " INVESTOR '' AGREED TO. THIS IS SEPARATE FROM THE {$7000.00}. " MOVING INCENTIVE '' MADE DIRECTLY BETWEEN THE RMS " INVESTOR '' AND MYSELF. THIS SEPARATE AGREEMENT HAD NOTHING TO DO WITH THE SHORT SALE CLOSING OR NOT. " You were unable to sell the property by the set deadline date ... '' RMS SET THE DEADLINE DATE. IT WAS ARBITRARY, AND RMS REFUSED TO EXTEND BY ANOTHER WEEK A 30 DAY ESCROW, TO HELP THE BUYER SECURE FUNDING. " You have not sold the property, despite the investor giving you extended time and multiple opportunities. '' THE RECORD SHOWS THAT THE REALTOR HAD SEVERAL QUALIFIED OFFERS ON THE PROPERTY, DURING THIS TIME, BUT RMS HELD OUT FOR A HIGHER FIGURE. THEN CAME THE " CORONA VIRUS '' WITH ITS NEGATIVE AFFECT ON THE HOUSING MARKET. " Accordingly, you failed to meet the express condition for the relocation incentive ... '' THIS SEPARATE AGREEMENT HAD NOTHING TO DO WITH THE SHORT SALE. RMS WANTED THE HOUSE VACANT FOR A FORECLOSURE AUCTION WHICH RMS THEN POSTPONED. " In XX/XX/2020, after your failed attempts to sell the property over an extended period of time, the investor, again without any obligation, agreed to offer you the {$7000.00} as a relocation incentive on the express that you moved yourself and your belongings out of the residence and leave the property in broom swept condition ... THE " ATTEMPTS '' TO SELL THE PROPERTY WERE " SUCCESSFUL '', BUT NOT AT THE VALUE BASED ON PRE-CORONA-VIRUS MARKET DATA. RMS IS PUTTING ME IN A NEGATIVE LIGHT. THIS IS WRONG. I AGREED TO MOVE OUT. I MOVED BELONGINGS OUT. IT WAS A VERY RUSHED AND COMBERSOME MOVE ... NOW THIS NEW CONDITION, I.E. TO LEAVE THE PROPERTY IN BROOM SWEPT CONDITION. I DIDN'T AGREE TO THIS. AT THE TIME I WAS GIVEN ONLY 3 DAYS TO MOVE OUT, AND SWEEPING THE HOUSE WAS NOT PART OF THE AGREEMENT. RMS WANTED ME " TO VACATE '' AND PRONTO IN TIME FOR THE AUCTION ... " As of the date of this letter, RMS has confirmed there is are personals property ( i.e., furniture and belongings ) still inside the home, and there are other indicators showing the home is not vacant. Based on these facts the express conditions for the relocation incentive have not been met. '' I DISAGREE. THE HOUSE IS COMPLETELY VACANT. ASK THE NEIGHBORS. IF ANYTHING IS LEFT IN THE HOUSE, IT'S IN THE GARAGE, LEFT FOR THE FORECLOSURE BUYER. OR I CAN HAUL IT OFF MYSELF, BUT THIS IS NOT THE POINT. WE HAD AN AGREEMENT. I COMPLIED, AND RMS OWES ME {$7000.00}. " You are still able to qualify for and receive the {$7000.00} relocation incentive if you : ( 1 ) Completely remove all remaining personal property, from the home and off the entire property ; ( 2 ) Leave the property in broom swept condition ; ( 3 ) Sign any documentation required to complete the relocation incentive assistance. As before, all three conditions must be met to receive the relocation incentive. You must complete all three conditions by XX/XX/2020. JUST A MINUTE. WE HAD AN AGREEMENT. NOW RMS IS STATING THAT I CAN STILL QUALITY. I'M SORRY. I ALREADY COMPLIED WITH OUR ORIGINAL AGREEMENT. NOW I'M SUPPOSED TO SIGN DOCUMENTATION " REQUIRED TO COMPLETE THE RELOCATION INCENTIVE ASSISTANCE ... '' DOCUMENTATION??? THIS IS THE FIRST TIME I'M BEEN MADE AWARE OF IT. RMS DIDN'T DISCLOSE THIS TO ME UNTIL NOW. WHAT IS GOING ON? AS OF TODAY I HAVEN'T RECEIVED ANY DOCUMENTATION. RMS SHOULDN'T KEEP ME IN THE DARK. THIS IS NOT SUPPOSED TO BE PRESENTED TO ME AT THE LAST MINUTE. IF THERE IS DOCUMENTATION REQUIRED LET ME SEE IT. EMAIL ME AN ATTACHMENT. I DON'T WANT ANOTHER LAST MINUTE SURPRISE. RMS SHOULD SEND ME AN EMAIL ATTACHMENT OF THIS DOCUMENTATION. " Please Note : The investor is moving forward with foreclosure of the property. The investor will not extend the XX/XX/XXXX deadline for the relocation incentive, and the investor will not agree to any short sale. The investor is proceeding with foreclosure as noticed. Should you have questions, you may contact XXXX XXXX at XXXX XXXX XXXX XXXX. ________________________ I noted the email came from " Customer Service '' not XXXX. If I had questions to contact XXXX at a phone number. I called the number, but it was the wrong number. Noting the number was a XXXX number, not XXXX, I called the correct number. After waiting, identifying myself, waiting some more, I was transferred to XXXX 's voice mail. I left my message and contact information. I never received a response. Is XXXX a robot??? Just to be sure, I wrote the following email ( below ) to XXXX with copies to the 4 RMS staff members : XX/XX/2020 - My Response to XXXX and the RMS Staff and Management, " I received your email. What documentation are you referring to? ( condition # 3 ). This is the first time I am hearing about this. Please send me whatever documentation I should complete. Thank you. NOW RMS MAKES THE FOLLOWING PROPOSAL TO ME ... XX/XX/2020 - " You are still able to qualify for and receive the {$7000.00} relocation incentive if you : ( 1 ) Completely remove all remaining personal property, from the home and off the entire property ; ( 2 ) Leave the property in broom swept condition ; ( 3 ) Sign any documentation required to complete the relocation incentive assistance. As before, all three conditions must be met to receive the relocation incentive. You must complete all three conditions by XX/XX/2020. '' THIS REQUIRED DOCUMENTATION IS NEWS TO ME. IF THIS WAS WHAT RMS WANTED, WHY DIDN'T THEY TELL ME THIS ORIGINALLY? RMS should issue me the {$7000.00}. check without delay. KINDLY HELP ME RESOLVE THIS ISSUE WITH RMS. THANK YOU.
11/21/2017	Yes	Mortgage Reverse mortgage	Trouble during payment process	WA 98374	Web	Servicemember
On XX/XX/XXXX, my mother, XXXX XXXX at her residence at the age of XXXX. After being swindled into refinancing her residence in XX/XX/XXXX, worth a considerable amount. The XXXX XXXX XXXX XXXX under loan number XXXX only had a principle payoff of $ XXXX.After the accomplishment of the grand rip off the balance grew to {$51000.00} with a principle amount of {$250000.00} under loan XXXX. Although after taking a large distribution from the loan in XX/XX/XXXX almost exactly a year later returned the funds and complained to the company concerning the loan and how she was misguided. Something else to consider is that there was never anybody that ever entered the property for a true assessment of value prior to the refinance of the property. My mother could have been considered a hoarder. Where a single elderly woman was living in over a XXXX square foot house by herself. Rooms were pretty much stuffed to making them nothing more than storage. Which masked damage or areas in need of repairs. That was an issue long before any refinancing transactions took place. Which leads me to question the ethics in the companies involved? How was a determination of value really accomplished when she would not let anybody into the residence due to the condition and amount of collected stuff? How a refinance could have been allowed in which the sole owner was having difficulty in maintaining such a large property in the first place. Prior to her XXXX, XX/XX/XXXX she was admitted into the hospital and in the process of medical procedures suffered a XXXX that left her XXXX. My brother XXXX lived close to her and took over her medical care as a resident of XXXX CA. After her XXXX, I contacted Reverse Mortgage Solutions to inform of her XXXX with the use of my daughters cell phone. I could not reach anybody that would discuss available options or what was needed. When the bombardment of certified and registered mail began coming to her address I was alarmed and continued attempts to call. From the time my mother XXXX, I was the Trustee and continued to be the Trustee as each set of legal documents was discovered. Never did I get anybody that would talk to me or return phone messages concerning the loan. There was a huge disconnect in who was supposed to be the legal representative and numerous variations of legal documents. If anybody in the company would have discussed the loan, and a reliable customer service representative, the correct and current documents could have been provided and updated as located. However, a respectable company would have been willing to assist to make a timely resolution. XX/XX/XXXX I was finally able to get a hold of someone that would speak to me concerning the issues. Even with the use of an attorney, hired to represent the Trust, the company continued to stall at providing information, or make any kind of arrangements to preclude foreclosure or the loss of the property. Although Reverse Mortgage Solutions was well aware of the intentions of sale of the property they continued to send notifications / updates for foreclosure all the while billing needlessly. In addition of dealing with the death of my mother, a ton of documented fraud, this company continued to send contractors and bill the Trust. To make matters even worse they claimed that the property was vacant, when questioned provided picture that included my Blue XXXX XXXX XXXX XXXX 4 wheel drive pickup truck with the XXXX XXXX on the XXXX rear window. In which nobody did anything. The company claimed that they used security to secure the house and showed pictures of a Lock Box that was illegally installed and I still have in my possession. If the property was so secure by the subcontractors that did all the work why do I have Police Reports on the periods of time they claim the house vacant? Although Escrow account was established and sale listing were completed and posted XX/XX/XXXX, and Reverse Mortgage Solutions was notified, Reverse Mortgage Solutions continued the foreclosure process knowing they were protected with FHA Insurance. Postings of the coming foreclosure and bill for those service. After contacting Reverse Mortgage Solutions for Payoff Disclosures the deceptive practice of not disclosing what they had billed. When questioned, about the charges the company continued to stall in attempts to continue charging for services that never occurred. In addition the company deliberately stalled in providing payoff requirements and timely negotiations on false charges in order to continue with a foreclosure sale. That had been set for XX/XX/XXXX, when both the Reverse Mortgage Solutions and the Trustee, Law Office of XXXX XXXX, placed in charge of the foreclosure actions by Reverse Mortgage Solutions, as early as late XX/XX/XXXX in which the intensions to satisfy the loan were well conveyed. If it was not for the intension of corporate profit of a residence that had less than XXXX in principle due and had been appraised XX/XX/XXXX with a drive by guesstimate hired by XXXX, valued at {$550000.00}. A complaint was filed with the California Business Oversight under number XXXX that had no resolution as to recovery of false charges. I have contacted the company on numerous occasions to correct the tax forms to the correct Trust EIN and since the delay by their fault the shortage of insurance premium that occurred. I have yet received a call back. Basically companies like these steel peoples houses especially the elderly and have been doing it for years. It should not be allowed! Based on the information that was submitted to the California Business Oversight, and provided to me has opened other issues in which the closing statement does not match the records of the company that were previously provided. Other charges such as the infrequent LOC Inspections that were billed are in the company records as principle distributions. In which they were not they were Corporate Advances. Other items were either double billed or charged twice that increased the balance and the deduction of the Hazard Insurance that was purchased through the company. However accumulated Interest is not correctly accounted for in which the interest applied on principle can not be distinguished from interest on Corporate Advances or what that interest rate is. Evident in the amount of Interest Paid From Loan origination in XX/XX/XXXX through closing and reported to the Internal Revenue Service in the amount of {$8400.00}. A review of the borrowers XX/XX/XXXX XXXX confirms that Reverse Mortgage Solutions did accurately report Interest Paid. However the amount of FHA Insurance Paid does not match the XXXX or the amount indicated in Reverse Mortgage Solutions transaction history report. In addition as I am to understand FHA Insurance it protects the lender, and by law when 22 percent of the equity is obtained they are required to cancel the insurance. By XX/XX/XXXX the insurance was never cancelled and the company already was well aware that the borrower new she had been scammed, did not want the loan and did not want to lose her house. Since FHA Insurance protects the lender from Default and policy was never cancelled as required by law, Why was the foreclosure actions taken in the first place? All of Reverse Mortgage Solutions transaction history has been placed in a spread sheet for your review. Comparisons reported on XXXX XXXX Certified Closing Documents and transaction history are not matching indicating errors. In addition the XXXX reported to the Internal Revenue Service does not match in interest actually paid and the fees collected for FHA Insurance Premiums do not match after loan origination. Some of the documents for your review. I have tons of documents to support the claims. In addition to the complaint being sent to you for action, I have filed a complaint through XXXX XXXX HECM for further Housing and Urban Development ( HUD ) for further action against Reverse Mortgage Solutions. Seems that this will be in addition to the penalties your office has imposed on this company under XXXX. The same tactics were used just not in advertising or marketing! Your department could better serve society as a whole by taking their license away!
03/03/2021	Yes	Mortgage Reverse mortgage	Struggling to pay mortgage	TX 75062	Web	Older American
This a complaint I made to the Texas Attorney General. Please direct my complaint to the right department My wife and I took out a reverse mortgage with Reverse Mortgage Solutions , Inc. ( RMS ) in XXXX. Since my wife was the oldest, we put " only her name '' on the loan because it would allow us to borrow more money. We were always in compliance with paying the property taxes and home owners insurance before they were due. Then on XX/XX/XXXX, my wife passed away. It was always my understanding that as the surviving spouse ( a non-borrower ) that I would be able to live out the rest of my years here in my home as long as I kept paying the property taxes and homeowners insurance, which I have done without fault. However, in XX/XX/XXXX, RMS, Inc. sent me a letter stating they were foreclosing on my home due to the XXXX XXXX XXXX XXXX, who was the borrower. I was completely blindsided and overwhelmed by their decision. It seemed illegal and unfair. I became severely XXXX and lost all hope. I was convinced they would take my home, leaving me XXXX. Then, in XXXX of XXXX, I remembered something I had read about reverse mortgages. Upon the XXXX of the borrowing spouse, the surviving spouse was considered a legal, non-borrowing spouse and could remain living in the home as long as the property taxes and home insurance continued to be paid. I contacted RMS, Inc. informing them of this new information. I told them it was my intent to remain living in my home and continue paying all property taxes and home owners insurance as I had been doing all the years prior. I sent them all the paperwork they said they required. The issue was resolved with RMS, Inc. and the foreclosure never occurred. Then, on XX/XX/XXXX, I received another letter from RMS, Inc. informing me a second time that they were going to foreclose on my home. In a phone conversation on XX/XX/XXXX, with an RMS, Inc. customer representative, I was verbally told that the decision to foreclose on my home had actually occurred sometime in XX/XX/XXXX. During our phone conversation the customer representative asked for additional paperwork, the exact same paperwork that I had sent them back in XXXX. RMS, Inc. claims that for whatever reason, they didn't have or couldn't find the documents I sent them in XXXX. I have complied and sent all the documents they are currently asking for. I am now waiting for them to review the reverse mortgage documents and have asked them to please make their decision regarding foreclosure by this coming Friday, XX/XX/XXXX. In conclusion, I have researched about reverse mortgages and the legal rights of non-borrowing spouses. All the information I have currently read tells me that I am well within my legal rights to remain in my home as long as I continue to pay the property taxes and home owners insurance. Furthermore, I have read multiple complaints that have been previously filed with the XXXX regarding RMS, Inc. and their bad business practices. They have preyed upon the elderly for years and have foreclosed on so many families. Please don't let me become another of their victims. Please describe your complaint in detail My wife and I took out a reverse mortgage with Reverse Mortgage Solutions , Inc. ( RMS ) in XXXX. Since my wife was the oldest, we put " only her name '' on the loan because it would allow us to borrow more money. We were always in compliance with paying the property taxes and home owners insurance before they were due. Then on XX/XX/XXXX, my wife passed away. It was always my understanding that as the surviving spouse ( a non-borrower ) that I would be able to live out the rest of my years here in my home as long as I kept paying the property taxes and homeowners insurance, which I have done without fault. However, in XX/XX/XXXX, RMS, Inc. sent me a letter stating they were foreclosing on my home due to the XXXX XXXX XXXX XXXX, who was the borrower. I was completely blindsided and overwhelmed by their decision. It seemed illegal and unfair. I became severely XXXX and lost all hope. I was convinced they would take my home, leaving me XXXX Then, in XXXX of XXXX, I remembered something I had read about reverse mortgages. Upon the XXXX XXXX XXXX XXXX XXXX, the surviving spouse was considered a legal, non-borrowing spouse and could remain living in the home as long as the property taxes and home insurance continued to be paid. I contacted RMS, Inc. informing them of this new information. I told them it was my intent to remain living in my home and continue paying all property taxes and home owners insurance as I had been doing all the years prior. I sent them all the paperwork they said they required. The issue was resolved with RMS, Inc. and the foreclosure never occurred. Then, on XX/XX/XXXX, I received another letter from RMS, Inc. informing me a second time that they were going to foreclose on my home. In a phone conversation on XX/XX/XXXX, with an RMS, Inc. customer representative, I was verbally told that the decision to foreclose on my home had actually occurred sometime in XX/XX/XXXX. During our phone conversation the customer representative asked for additional paperwork, the exact same paperwork that I had sent them back in XXXX. RMS, Inc. claims that for whatever reason, they didn't have or couldn't find the documents I sent them in XXXX. I have complied and sent all the documents they are currently asking for. I am now waiting for them to review the reverse mortgage documents and have asked them to please make their decision regarding foreclosure by this coming Friday, XX/XX/XXXX. In conclusion, I have researched about reverse mortgages and the legal rights of non-borrowing spouses. All the information I have currently read tells me that I am well within my legal rights to remain in my home as long as I continue to pay the property taxes and home owners insurance. Furthermore, I have read multiple complaints that have been previously filed with the XXXX regarding RMS, Inc. and their bad business practices. They have preyed upon the elderly for years and have foreclosed on so many families. Please don't let me become another of their victims. Have you complained to the business or individual? Yes If Yes, when? XX/XX/XXXX What was the business ' or the individual 's response? Saturday, XXXX XXXX, XXXX. Received letter from RMS stating I was in default for XXXX and the loan was due and payable. I was overwhelmed again as in XXXX. I called RMS customer service asking why. The lady told me in XXXX with new M.0.E guidelines of XXXX I wasn't qualified for the Reverse Mortgage and was due and payable. XXXX XXXX, XXXX. I called RMS customer service asking what the reason was. The RMS letter said XXXX, but not a reason. The lady could not find out. and would try to find out and call me back probably XXXX XXXX, XXXX. I called again XXXX XXXX, XXXX talking to customer service. The lady still did not have an answer and told me My case was being reviewed by the legal team. I called again XXXX XXXX, XXXX asking customer service for answers and the lady still did not find out any. Would have an answer on Friday XXXX XXXX. What the reason is of XXXX being in default, if stays in default, or not in default. or need more information from me. She said they were doing everything to help me, but could not give any answers. That would come from the legal team. This is XXXX XXXX, and am waiting for Friday, XXXX XXXX, XXXX for the answers.
12/28/2018	Yes	Mortgage Reverse mortgage	Struggling to pay mortgage	NY 14020	Web
In XXXX my mother took out a reverse mortgage with XXXX XXXX on her home at XXXX XXXX XXXX, XXXX NY XXXX with advice from questionable people. My father had just passed away and my mother, in her XXXX 's and beginning XXXX was convinced by the mortgage broker that she needed this and it was quite safe. The mortgage broker told her that the maximum for the mortgage would be {$120000.00} and would never go above the actual value of the home which was at the time @ {$120000.00}. She was also told that she could stop the payments at any time. During her lifetime, I had moved back into her home with my daughter to care for my mother. I tried to contact XXXX XXXX to no avail in @ XXXX and then soon after received notification from XXXX XXXX XXXX that they would service her account. At that time, I asked if I could start paying off the mortgage and I also was questioning a statement that she had received which showed what I thought was excessive interest and fees. I also asked at that time if there was a way to stop the mortgage payments. They said there was not and that they would also send a statement showing how to pay off the mortgage. Nothing ever came of this but shortly after that call my mother stopped receiving regular statements. Upon her death in XXXX, I tried to contact XXXX XXXX XXXX again both by phone and by letter. Additionally, unbeknownst to me, the deed to the house was transferred to my name as it was in her will. When I contacted the bank I was told that they did not handle her account anymore. Approximately 1 year later, I received a notification from Reverse Mortgage Services asking for information about my mother 's passing. I called them and asked them about how to pay off the mortgage and asked what was owed as no one was able to tell me at any point. To my calculations she had at the most received {$65000.00} at the time of her death. After approximately 1.5 years of hearing nothing from any of these companies, I tried again to contact Reverse Mortgage Services after they sent me a letter asking the same information about my mother 's passing. I called them and asked again about the mortgage and what was owed and also about the taxes as I had not received a bill. They told me that the taxes were held in escrow and that they would contact me with information regarding the payback amount. Again I had heard nothing from any of these companies that were involved at any point. On XX/XX/XXXX, a man XXXX XXXX showed up at my door telling me that I had to leave my home as he said I did not own it anymore! He said that XXXX XXXX owned it. I was shocked and had no idea what he was talking about. He told me he had taped a letter to another door which I do not use and when I found it it said that my house was being auctioned off and I had 30 days to leave. On this letter was the name of a lawfirm, XXXX XXXX llp in XXXX XXXX NY at XXXX XXXX XXXX XXXX. I called them several times and was put on hold for up to 1 hour and then I had to hang up because I was working. Since that day that man showed up at my door, I have received several threatening letters, visits from people saying they represent the banks but who are actually real estate agents and no actual correspondence from the banks or reverse mortgage company except for a piece of paper shoved into one of my doors from another named bank, XXXX XXXX XXXX XXXX claiming that they were the owners and that I had ten days to move out. Again, I had never received notice of any said auction. Soon after this, I received 7 letters on the same day from another agency XXXX of XXXX NY included in these packets were documents with a 10 day notice to quit and a referee 's deed in foreclosure notice that there was a foreclosure sale in XXXX or XXXX of XXXX with yet another Lawyer, XXXX XXXX, XXXX NY, a different county than that which the house is located in. Again, on this letter there is yet another attorney, XXXX XXXX from XXXX NY. This is so convoluted and confusing and again, no contact was made by any of these partied to me prior to them telling me to leave this house or prior to this supposed sale. In this documentation it said that what is owed on the property is {$130000.00}! This would mean that the fees and interest that was accrued on the account are in excess of {$70000.00}! I have tried on several occasions to find out how to take care of this mortgage, how I could pay it back, what was owed. I have in good faith tried to contact most of the players that I at least knew of but there are so many people involved and none with answers. I have even contacted an attorney that is trying to get answers but even he is being sent to many different places to talk to people. As of today, I am still the owner of the property on the tax records in my county. Never have any of these agencies contacted me in good faith offered me the decency of contacting me with anything prior to the " sale '' of this property with the same urgency and barrage of contacts both in person and by mail as they have after this " sale ''. This to me shows that at no time were they operating in good faith. The fact that all of this happened nearly 5 years after my mother 's death and with no contact prior to this seems as if they made some errors along the way and are now trying to quickly get this done. I plan on leaving the property when and if I have to. I would like the opportunity to have a clear and reasonable figure on what can be paid off to keep the home. I would even be willing to rent the house if purchasing is not an option but to blindside a person and tell them to leave without warning with a 10 day notice in a home that has been in my family for 50 years is unreasonable. I, in good faith have contacted an auctioneer who will be selling off the contents of my home very soon. This can't be done overnight but I am trying so hard to comply. To charge in excess of {$70000.00} in fees for a mortgage and to take advantage of an XXXX year old woman by preying on her insecurities is unconscionable. I would like these people, whoever it is that actually holds this property, if they do, to be held accountable for their strong arm scare tactics and I would at the very least ask for a chance to pay a realistic debt or have time to find a home for my family. I just want answers and I also think that the convoluted tactics that are being used here can confuse and frighten individuals faced with the same strategies. I am a strong person and I have been reduced to tears when these people show up at my door threatening me and my family. I thank you for anything you can do in this matter.
04/30/2017	Yes	Debt collection Mortgage debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	MD 20743	Web	Servicemember
Reverse Mortgage Solutions Inc. by and through XXXX XXXX scammed a now XXXX XXXX XXXX XXXX in the amount of {$180000.00} for title with no resolution. XXXX XXXX owner of XXXXXXXX XXXX produced a FHA insured Adjustable Rate Mortgage without the owner knowledge and/or consent with a coverage amount of {$340000.00} in XX/XX/XXXX assigned by XXXX XXXX XXXX XXXX f/k/a XXXX XXXX in XX/XX/XXXX. On XX/XX/XXXX Reverse Mortgage Solutions sent a gross funding statement in the amount of {$29000.00} unscheduled disbursement with net credit set aside {$45.00}. Borrower gave me Power-Of-Attorney to handle account with Reverse Mortgage Solutions to release the lien and transfer title. Borrower was informed a lien was against the property at XXXX, Borrower stated he did not take out a new mortgage against the property. In XX/XX/XXXX borrower was unable to made modifications and upgrade the premise denied by Reverse Mortgage Solutions when contacted about the condition of the property. Borrower gave me Power-Of-Attorney to find out why Reverse Mortgage Solutions stated the lien could not be released or reversible since verbal authorization was no longer accepted. Borrower stated he knows nothing about a Reverse Mortgage Solution and a new mortgage taken against the property and he had no living heirs left in his family. Reverse Mortgage Solutions never cooperated and always hostile when inquiring about that loan. The now XXXX borrower gifted the property and was unable to successfully transfer title upon death. The interest persons to his estate filed by XXXX XXXX XXXX entered the property after XX/XX/XXXX took personal possessions ; and failed to report damages to insurance company for reimbursement for the vandalism and theft. Reverse Mortgage Solutions Inc did not contact me prior to hiring XXXX XXXX XXXX located in New Jersey. Without consent or verification of occupancy status with contact listed on file with Reverse Mortgage Solutions since XX/XX/XXXX. Reverse Mortgage Solutions assumed ownership of the damages entered the property through forced entry and assessed the damages making no official report for reimbursement of the damages neglected and abandoned by mortgagee over the life of the loan with no fault of the borrower for lender to get reimbursement through HUD/XXXX XXXX. RMS state they service and operate under HUD Rules and Regulations yet operating against Mortgagee Letter issued to servicers of all FHA insured loans. Issue with Reverse Mortgage Solutions Inc mortgage created by owner of a mortgage company was unable to get resolved prior to borrowers death. Reverse Mortgage Solutions Inc took legal action against HUD regulations in XXXX Court Register of XXXX in Circuit Court for XXXX XXXX County to administer a XXXX debtor estate and FHA adjustable rate mortgage ; knowing nothing about the debtor but the true fair market value for a damaged property and fraudulent loan produced. Reverse Mortgage Solutions to include appointed trustees began the harassment and another third party law office in XXXX County and XXXX XXXX, VA following XXXX XXXX XXXX withdrawal and appointment of XXXX XXXX on XX/XX/XXXX upon an heir filing a Petition heard in XXXX Court same day. Reverse Mortgage Solutions refused and no longer want to discuss the property or payoff amounts at XXXX to be wired to XXXX XXXX or certified funds to Reverse Mortgage Solutions. On XX/XX/XXXX XXXX XXXX XXXX XXXX filed legal action against the Estate of XXXX XXXX XXXX and appointment PR against HUD regulations for a short sale claiming no debt will be reported its just a debt collection procedure after the death of Reverse Mortgage Solutions servicing senior customers not real estate. In substitute trustees and Reverse Mortgage Solutions complaint filed in Circuit Court for XXXX XXXX County for the sale of the premise claim the property was vacant by a third party company based in New Jersey that is no longer assigned to subject property for preservation scam for the lender after receipt of my complaint. Reverse Mortgage Solutions sent alternatives to satisfy the debt to the premise which conflicts with the legal action filed against XXXX borrower I had power of attorney for all these year with an indefinite expiration date to protect the rightful owner deed originally recorded in XX/XX/XXXX and premises from foreclosure. In a short sale under HUD regulations an heir or family member can not purchase any short sale in the united states ; so the debt collectors in this matter took advantage of that requirement and opportunity in America pertaining to all Reverse Mortgages Solutions with a XXXX spouse in low to moderate incomed areas with no mortgages as in this case. Servicers of a closed FHA Adjustable Rate mortgage produced against borrower and his rights short saled the property for ownership without good market title ( substitute deed ) as seen in thr reverse mortgage scam and/or ethics to be released from all liability of the damages, preservation cost for county code violations, and claims within a 6 month period hiring a locksmith for a lock out on XX/XX/XXXX after court hours. Reverse Mortgage Solutions and HUD claim XXXX County code violations was not authorized in the amount that exceed {$5000.00} HUD claim maximum to inclde {$10000.00} for items abated by my company and subcontractors over the last year that shows proof of mortgagee neglect, harassment, and abandonment by lenders, successors, and heirs. Per a letter written by RMS in response to make complaint stating they were investigating the only thing they investigated is how to gain ownership rights for profit through illegal flipping through XXXX XXXX in XXXX XXXX. In RMS letter the money set aside on the statements sent is not real money its money to service the loan. RMS and its agent attorney 's operate under what rights others dont have based on XXXX Rules yet state they under HUD regulations and does not abide by the entire loan document clauses which is a breach
06/11/2020	No	Mortgage Reverse mortgage	Struggling to pay mortgage	CA XXXXX	Web	Older American
COMPANY AVOIDING COMMUNICATION RE {$7000.00} THEY OWE ME ... XX/XX/XXXX Last Friday, on XX/XX/XXXX I sent to the Reverse Mortgage Solutions ( RMS ) manager, XXXX XXXX, that I wanted the {$7000.00} for moving out of the property, subject of this complaint, 3 months ago on XX/XX/XXXX. I received an auto-responder message : " I will be out of the office XX/XX/XXXX and returning on XX/XX/XXXX. '' This is follows a similar RMS auto-responder message of 2 days earlier. RMS seems to have decided not to communicate with me, a client of theirs. Phone calls are difficult as well. I am a client of RMS and I need 2 way communication ... Here is what I sent to RMS manager XXXX XXXX on Friday, XX/XX/XXXX : Dear RMS Customer Service, XXXX XXXX autoresponder said she would be back in town on Wednesday, XX/XX/XXXX, the date you had scheduled the foreclosure auction of mom 's property located at XXXX XXXX XXXX in XXXX XXXX XXXX, California. Then I was told by XXXX XXXX that you postponed the foreclosure auction date to XX/XX/XXXX. You did this at the last minute, and I wasn't even consulted or notified. There continues to be a big time communication problem. Your XX/XX/XXXX response to the Consumer Financial Protection Bureau, et al, diverted attention from the issue and it put me in a negative light. I made the following response to the CFPB, et al, the day after the scheduled XX/XX/XXXX auction which was postponed without any prior notification to me. THE COMPANYS RESPONSE DID NOT ADDRESS MY ISSUE You, Reverse Mortgage Solutions ( RMS ), allege that I failed in two attempts at a Short Sale. No. There was no failure on my part. I presented 2 great deals. RMS denied them both. Perhaps the investor ( XXXX XXXX ) didn't want my Realtor to get his commission, or perhaps the investor was holding out for a price based on the pre-Covid era. Whatever the case, I successfully brought the Investor 2 great deals. Failure to approve the deals was not my responsibility. Now I am blamed for the RMS failure to act??? The investor offered me a deal for {$7000.00} to move out of mom 's house by XX/XX/XXXX. This was independent of a sale - whether a short sale or a foreclosure sale. I never agreed to any subsequent changes. The deal works great for the investor in a " non-eviction '' CoronaVirus era. Now the investor owes me {$7000.00}! I moved out of the property and I moved my belongings out by our agreed upon date of XX/XX/XXXX. RMS states on XX/XX/XXXX, that I still have personal property, furniture and belongings, inside the home. NO, they are mistaken. RMS goes on to say something even more bizarre. I quote : " we discussed this over the past ten days and you confirmed there was still property in the home to stage the property for sale. '' NO! NO! NO! Staging a property for sale??? Who are you getting this information from? You are either confusing me with another client, or you are just making this up. I moved out of the house on XX/XX/XXXX together with my personal property as per our agreement. Now the investor, XXXX XXXX, is offering a " relocation incentive '' if I move out by XX/XX/XXXX? GREAT! I MOVED OUT 3 ( THREE ) MONTHS AGO!! This time the offer has other stipulations. I've already moved out! Just send me the {$7000.00}. I don't want complications. I don't care that mother 's loan is " not federally insured ( per your Footnote # 1 ). You hold the mortgage on mom 's property. Since her refinance back in XXXX, you've made more than {$700000.00} in equity appreciation, you have a vacant house, you control the date of the foreclosure sale, what more do you want? Just send me my check for {$7000.00}. Thank you. I DONT UNDERSTAND THE COMPANYS RESPONSE TO MY COMPLAINT In their response to my complaint RMS puts me in a bad light. 1. They reference " two failed attempts to complete a short sale. '' WRONG. I brought RMS two great deals. It was RMS who failed to approve the deals. They denied the deals based on pre-Covid19 market data based on well maintained non-short-sale properties. Mom 's property was a short sale. It had an underwater reverse mortgage against it. Mom was XXXX when she died and had not maintained the property for 15 years. RMS failed to approve two great deals. 2. RMS states the " The Investor Is Not Obligated To Allow A Short Sale Of The Property. '' This was never the issue, and I dont understand why RMS avoids the underlying issue. 3. The Relocation Incentive. " After your first failed attempt to complete the closing on the short sale of the property ... '' Irrelevant. Additionally, I am placed in a negative light with those not familiar with the facts. This is abuse. Then RMS restates their original offer for {$7000.00} with conditions different from the original offer, and in an overbearing manner. I don't understand why XXXX wants to put me in a negative light. I brought them great offers, I moved out, and now they just want to keep the {$7000.00} they owe me. THE COMPANY DID NOT ADDRESS MY COMPLAINT On XX/XX/XXXX RMS offered me another " moving incentive '' which doesn't make sense. I moved out of the property on XX/XX/XXXX per their agreement with me. They wanted the house " unoccupied '' so they could sell at the foreclosure auction originally scheduled for XX/XX/XXXX. My complaint is still unaddressed. RMS still needs to send {$7000.00} in return for my move out. COMPANY NEVER SENT INSPECTOR ( See Attachment dated XX/XX/XXXX )
06/21/2019	No	Mortgage Reverse mortgage	Closing on a mortgage	NJ 082XX	Web
Reverse Mortgage of a XXXX edlerly woman who was taken advantage of by XXXX XXXX and XXXX XXXX and Reverse Mortgage Solutions. Coerced into taking a high equity amount loan and with any representation of anyone being at the closing other than a XXXX woman and a closing agent for the title company. No disclosures provided with changes to the loan documents on the day of closing ... CHECK OUT THE LOAN DOCS SIGNED BY THE XXXX WOMAN EX6 XXXX woman and only a title clerk were at settlement. On XX/XX/XXXX our XXXX XXXX mother was allowed to sign a reverse mortgage document without her POA present or acknowledgments. Prior to the closing extensive approval had to be completed to approve the POA because my mother was XXXX XXXX. Her apparent XXXX is evident in the documents signed and attached in the exhibits. The mortgage company required : ( EX1 ) 1. A personal letter from our mother to the mortgage and title companies stating she was XXXX and could not read or write and her daughter would be signing the documents as a POA. ( EX2 ) 2. A letter from her doctor stating she was XXXX XXXX and could not read or write. ( EX3 ) 3. A durable POA document completed so her daughter could sign as the POA for the Reverse Mortgage of her XXXX mother. ( EX8 ) 4. Numerous other documents title searches and other preparations to have a POA approved to read and sign for the Reverse Mortgage were completed. XX/XX/XXXX, just prior to scheduling a closing date, a ( EX4 ) Title Commitment Schedule B-1 revised was issued with Mom and the POA both on the document. The Title Commitment was given ready to close for a reverse mortgage along with other requirements, On XX/XX/XXXX. On that day we needed to have some things done as part of the commitment requirements and one of them was the ( EX5 ) transfer the deed from daughter and mother to just the mothers name. That was completed. ( EX6 ) Upon completion of the deed, we proceeded to the mortgage documents -- however, the documents did not have the POA so they would have to be redone. The closing was stopped by Mom and the POA. The POA was not allowed to sign those incorrectly prepared documents. The closing was supposed to be rescheduled so the correct documents could be made and signed with the borrower and POA present together. We left that day of closing and somewhere in the interim of us leaving the closing table and the end of the evening the closing agent continued to have the documents signed by our XXXX and XXXX XXXX mother. No reason was given other than it was acceptable. This all happened at my mothers home. The facts are this : ( EX9 ) Our XXXX mother was given a POA and approved to sign a reverse mortgage by mortgage and title.. ( EX10 ) All title commitments and mortgage commitments were approved by the title and mortgage companies to move forward with the signing of the documents with our XXXX mother and her POA.. ( EX7 ) A Cover Protection Letter CPL was issued with Mom and POA prior to closing. The closing was stopped all parties because the mortgage package documents were wrongly prepared by the mortgage. Despite this, a title clerk and mortgage company moved forward and allowed mortgage documents to be signed by a XXXX XXXX elderly woman. ( EX11 ) After the documents were signed the title and the mortgage eagerly covered up the process by leaving off all the required items on a checklist to make the commitment valid for signing. They took the POA off all the documents and issued a mortgage in only the XXXX elderly 's name taking away her rights of the POA on the mortgage and title insurance and providing no reasons, verifications, or justifications for those actions. Other facts to consider : Our mom originally was given 2 options a line of credit or a full amount lump sum. It was originally asked, by mom, for {$20000.00} and to leave the rest in equity in an open line of credit.However, it was strongly encouraged by the mortgage company that she should take the full lump sum since the interest rates were lower. ( EX14 ) HUD 1 The loan amount was for {$78000.00}. She received {$70000.00}, with {$7700.00} taken out as excessive fees. This is nearly 10 % of the loan in just costs and fees. We consider these costs fee-overreaching. ( EX12 ) They appraised the home at {$110000.00}, yet the home value at that time was only {$50000.00} to {$60000.00}, and it still is only worth that today. In fact the Mortgage Company ( EX13 ) performed another appraisal on the premises by another independent appraiser in XX/XX/XXXX which valued the property at XXXX using an exterior value only. We think appraisal fraud could also be considered All of the equity was taken from the home on that day. Fraud and collusion between the title company and bank were possibly done if they pushed through a loan amount for the commissions and fees just to close the loan. We demand a full investigation by the NJ DOBI, Attorney Generals office, and CFPB of the actions of the bank and processes that enabled and allowed this loan to close with such heinous actions. This is not a case of misspelled names or who owns the note -- this is a serious matter of insurance mortgage and collusion to prey upon and commit fraud on an elderly, and XXXX woman.
03/27/2019	Yes	Mortgage Reverse mortgage	Closing on a mortgage	NJ 082XX	Web
On XX/XX/XXXX our legally XXXX mother was allowed to sign a reverse mortgage document without her POA present or acknowledgments. Prior to the closing extensive approval had to be completed to approve the POA because my mother was legally XXXX. Her apparent XXXX is evident in the documents signed and attached in the exhibits. The mortgage company required : ( EX1 ) 1. A personal letter from our mother to the mortgage and title companies stating she was XXXX and could not read or write and her daughter would be signing the documents as a POA. ( EX2 ) 2. A letter from her doctor stating she was legally XXXX and could not read or write. ( EX3 ) 3. A durable POA document completed so her daughter could sign as the POA for the Reverse Mortgage of her XXXX mother. ( EX8 ) 4. Numerous other documents title searches and other preparations to have a POA approved to read and sign for the Reverse Mortgage were completed. XX/XX/XXXX, just prior to scheduling a closing date, a ( EX4 ) Title Commitment Schedule B-1 revised was issued with Mom and the POA both on the document. The Title Commitment was given ready to close for a reverse mortgage along with other requirements, On XX/XX/XXXX. On that day we needed to have some things done as part of the commitment requirements and one of them was the ( EX5 ) transfer the deed from daughter and mother to just the mothers name. That was completed. ( EX6 ) Upon completion of the deed, we proceeded to the mortgage documents -- however, the documents did not have the POA so they would have to be redone. The closing was stopped by Mom and the POA. The POA was not allowed to sign those incorrectly prepared documents. The closing was supposed to be rescheduled so the correct documents could be made and signed with the borrower and POA present together. We left that day of closing and somewhere in the interim of us leaving the closing table and the end of the evening the closing agent continued to have the documents signed b y our XXXX and terminally ill mother. No reason was given other than it was acceptable. This all happened at my mothers home. The facts are this : ( EX9 ) Our XXXX mother was given a POA and approved to sign a reverse mortgage by mortgage and title.. ( EX10 ) All title commitments and mortgage commitments were approved by the title and mortgage companies to move forward with the signing of the documents with our XXXX mother and her POA.. ( EX7 ) A Cover Protection Letter CPL was issued with Mom and POA prior to closing. The closing was stopped all parties because the mortgage package documents were wrongly prepared by the mortgage. Despite this, a title clerk and mortgage company moved forward and allowed mortgage documents to be signed by a legally XXXX elderly woman. ( EX11 ) After the documents were signed the title and the mortgage eagerly covered up the process by leaving off all the required items on a checklist to make the commitment valid for signing. They took the POA off all the documents and issued a mortgage in only the XXXX elderly 's name taking away her rights of the POA on the mortgage and title insurance and providing no reasons, verifications, or justifications for those actions. Other facts to consider : Our mom originally was given 2 options a line of credit or a full amount lump sum. It was originally asked, by mom, for {$20000.00} and to leave the rest in equity in an open line of credit.However, it was strongly encouraged by the mortgage company that she should take the full lump sum since the interest rates were lower. ( EX14 ) HUD 1 The loan amount was for {$78000.00}. She received {$70000.00}, with {$7700.00} taken out as excessive fees. This is nearly 10 % of the loan in just costs and fees. We consider these costs fee-overreaching. ( EX12 ) They appraised the home at {$110000.00}, yet the home value at that time was only {$50000.00} to {$60000.00}, and it still is only worth that today. In fact the Mortgage Company ( EX13 ) performed another appraisal on the premises by another independent appraiser in XX/XX/XXXX which valued the property at XXXX using an exterior value only. We think appraisal fraud could also be considered All of the equity was taken from the home on that day. Fraud and collusion between the title company and bank were possibly done if they pushed through a loan amount for the commissions and fees just to close the loan. We demand a full investigation by the NJ DOBI, Attorney Generals office, and CFPB of the actions of the bank and processes that enabled and allowed this loan to close with such heinous actions. This is not a case of misspelled names or who owns the note -- this is a serious matter of insurance mortgage and collusion to prey upon and commit fraud on an elderly, and XXXX woman.
04/27/2018	No	Mortgage Reverse mortgage	Trouble during payment process	CT 067XX	Web	Older American
Two years ago I took out a Reverse Mortgage on my home in Connecticut as it needed extensive repairs. I did not have a mortgage, my house was free and clear but it wasn't attractive enough to try and sell and the market was very soft at the time. My servicing company is called XXXX XXXX XXXX and they are located in XXXX and XXXX, NC among other places. I am not in default on my taxes or Insurance. In XX/XX/XXXX, I had an accident and damaged my garage beyond repair with a vehicle and after the Insurance adjuster looked at it late in XXXX it was condemned and had to be demolished in XX/XX/XXXX before the snow loads brought it down as it was structurally unsafe. My insurance company gave me a personal property check for {$1700.00} and also a check that was made out to me and RMS in the amount of {$14000.00}. I was not able to put this check into my account so I sent it to RMS and they finally deposited it. I started sending them receipts for work that was done, XXXX forms, Lien waivers, and all sorts of paperwork that they wanted which seemed excessive and redundant, yet they never disbursed any of the money my insurance company gave them or reimbursed me for the expenses I had to cover personally. Several times I was told that they didn't have certain forms when in FACT I had already sent them. The total loss is actually well over {$40000.00} but this was the first draw meant to cover the demolition and start the foundation. I sent them all the paperwork they wanted for the demolition but the contractor has only been paid less than half the balance for work he did in XX/XX/XXXX. I also have not been reimbursed for all the other expenses that my town and state required despite the fact that I have provided them with all the paperwork and forms they requested. Every time I call to find out why I have not yet been reimbursed I get the run around and am told the the Government requires all this documentation, and still, no money except for one partial payment to the demolition contractor. His contract was {$6500.00} and he has only been paid {$2700.00} so far. They then said I had to have one of their inspectors come to my house to see that the work was done. He came the next day. That was three weeks ago. The town building inspector already signed off so I do not know why I needed another inspection for {$170.00} taken out of my insurance money. So today, on XX/XX/XXXX, I called to find out why I had not yet received the balance for the Demolition and they told me that the job was only partially done by 28 % so they could not pay the balance. So, I have basically had it with them and am making this complaint because they are holding up the replacement of my garage. I want my insurance money back from RMS so that I can take care of this matter and get my contractors paid so I can get the garage built myself. The people who work in this organization know nothing about the construction process and they do not know what they are doing. I have had three reps since I started. The first one was XXXX XXXX, the second was XXXX XXXX, and now I have a new one today called XXXX. She said she needed to talk to her supervisor who is named XXXX, but XXXX left early for the weekend at XXXX when I called and XXXX wasn't sure if she would be in on Monday or not. If there is a loss the homeowner should handle it or if they are not capable the XXXX XXXX should hire a contractor to get the building repaired or rebuilt. This whole situation that they create to hold onto the insurance money is ridiculous and needs to be corrected. There are plenty of people out there who need the work and are willing to get the job done but instead, this company is unreasonably holding onto my insurance money and this is extremely stressful especially to Senior Citizens. So, they have been holding on to a balance of Over {$12000.00}, funds that I need to start rebuilding my garage and to pay the demolition contractor. This company is not responsible enough to handle the disbursements for construction projects. I feel that they are attempting to steal my Insurance money from me by continually attempting to frustrate me until I give up. I WANT MY INSURANCE MONEY SO I CAN GET MY GARAGE REBUILT!!!!! HOW COMPLICATED IS THAT!!!!!!??????
07/10/2019	Yes	Mortgage Reverse mortgage	Trouble during payment process	IN 462XX	Web	Older American, Servicemember
In the fall of XXXX I received a letter from Reverse Mortgage Solutions ( RMS ), stating that my home was now ( according to FEMA ) in a XXXX flood plain survey. And therefore, according to my reverse mortgage needed to have flood insurance on my property. I immediately doubted this and went to FEMA web pgs. Found flood plain maps for my area, some showing " yes '' some showing 'no ' and some " maybe ''. Called my city 's local info on flood for my area. She said to call our regional area FEMA office in XXXX. Talked to Mr. XXXX XXXX ( now retired ), he said " according to the Base Flood Elevation ( BFE ) map, your just outside the area ''. But that to prove this, I would have to have a property survey, get a LOMA, which would prove my elevation, and that I'm not 'in ' the BFE. After a few more phone conversation with RMS, plus letters, it became clear they were not going to accept my point of view, even though by this time I had sent ( e-m ) them FEMA maps showing my property location, and quoting Mr. XXXX. The BFE on FEMA maps were XXXX, my property ( best guess Mr. XXXX ) was at 728 something. I finally gave in, one time chg {$700.00} for property survey, verses {$860.00} something 'yearly ' for flood insur. This survey was done and sent to FEMA, was granted a Letter of Map Amendment ( LOMA ), my property is at BFE XXXX. This FEMA info was placed on FEMA 's web site, and I as well sent the LOMA to RMS XX/XX/XXXX ..., all well and good .... ( not on your life! ) More letters and phone calls from RMS that my mortgage was in default for lack of payment {$280.00}, and " DUE IMMEDIATELY ''. This charge.., because RMS went to their insurance ( XXXX XXXX XX/XX/XXXX ( partners w/ RMS for their needs ) XXXX XXXX XXXX XXXX XXXX, Tx. , ) and only got a partial refund on the flood insurance THEY had taken out on my mortgage, and now they wanted me to make up the shortage of {$280.00} they didn't get back, and want me to pay them for their lose. Of course in several phone calls I reminded them, that had they used the HUD insurance program, rather than their own, they would have received a TOTAL refund on their purchase and not just a partial refund. Again, more months of letters/phone calls bugging me to clear up the default on my mortgage. All the while, I'm calling around the government offices looking for help to get RMS off my back. After speaking with XX/XX/XXXX, HUD ( XX/XX/XXXXXXXX FHA Case XXXX XXXX XXXX ), FEMA and NOVAD , XXXX XXXX XXXX , talked to XXXX XXXX, HUD/NOVAD case # XXXX, ( last time was to HUD and spoke to XXXX XXXX XXXX ) several times each, it became clear they could do nothing for me. Even though they ALL agreed 'and expressed to me ', that I was in the right, but out of their hands. Finally I came across CFPA and am now hoping for their help and a resolution to all the harassment from RMS. Of course the question is now in XXXX, not that I should have flood insurance, but, do I owe RMS {$280.00} for a flood insurance refund that they didn't get back from their insurance co. Since RMS, by their actions, have shown that by asking for and receiving a refund on the insurance policy of my mortgage. Means they accept and have accepted the fact ( LOMA ), that my property is not in a floodplain at all. The question is now, why am I being asked to pay for their {$280.00} lose on insurance they took out on my mortgage. A person with any kind of business sense at all, would not have let this issue go on for three years. Taking in account all the paper, printing, envelopes, postage, phone calls to me/from, hours spent by employees and myself talking ( sometimes 1/2 - 3/4 of hr ) on this subject. Would have come to the conclusion 'long ago ' ( over 3yrs ), that they have lost 'way more ' than the {$280.00}, they have been trying to collect on a so called trumped up debt. Is it any wonder.., the XX/XX/XXXX has them rated an 'F ' and their in a Chapter XXXX bankruptcy.
03/07/2016	Yes	Mortgage Reverse mortgage	Loan servicing, payments, escrow account	PR 00926	Web	Older American
During the last 5 years, XXXX has had her reverse mortgage loan through Reverse Mortgage Solutions Inc. ( RMS ) In XXXX, while in XXXX, she was behind on certain payments. This causes RMS to notify her of her non-compliance and establish that if she did not emit these payments, she would be in default and her property would be foreclosed. XX/XX/XXXX, XXXX contacted XXXX XXXX by phone, a representative of RMS. During their phone call, an agreement was reached to make 60 consecutive monthly payments for the amount of {$62.00} for a total of {$3700.00}. Another requirement of the agreement was to send a printed and signed copy of her contract, which XXXX did as agreed. On XXXX XXXX, XXXX, X received a letter confirming the payment agreement to pay the charges on the property that include property taxes and insurance premiums relating to risk and/or flooding. In addition, the communication establishes that the first payment must be received on XXXX XXXX, XXXX. XXXX was indicated that she would receive a separate envelope, which would contain the payment coupons. This envelope was never received. Finally, when the coupons do arrive upon a second mailing, XXXX sends checks to cover the months of XX/XX/XXXX and XX/XX/XXXX. Both checks were cashed for the amount of {$62.00} each. On XXXX XXXX, check # XXXX was sent also for the amount of {$62.00}. This check however was not cashed and when XXXX calls to verify the status of the check, she is informed that the company 's offices had been changed from XXXX Texas to XXXX Texas with no prior indication and to please send any payment or communication to the new address. In addition, she was told to send a check in lieu of check # XXXX for the month that had not been charged and another for the corresponding payment. Both checks were sent on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, XXXX receives a letter by mail on behalf of RMS indicating that she is required to pay the total of her mortgage loan due to lack of payment. Having emitted the corresponding payments, XXXX attempts to contact RMS to clarify any information that may have been the reason for this communication. Unfortunately she was unable to do so at the telephones she was indicated. On Monday, XXXX XXXX, XXXX, XXXX receives a letter from RMS dated XXXX XXXX, XXXX. The letter indicated that the checks # XXXX and # XXXX, both for the amount of {$62.00}, were being returned because the loan had been foreclosed and the payment in full had to be sent. On the morning of Tuesday, XXXX XXXX, XXXX called XXXX. A representative by the name of XXXX took her call and they received assistance from an interpreter by the name of XXXX. XXXX later asked to be connected to a supervisor and her call was transferred to XXXX XXXX XXXX, for additional assistance. XXXX XXXX indicated that she should call him at XXXX, ext. XXXX, on the following morning. XXXX attempted to contact XXXX XXXX at the telephone provided on the morning of Wednesday XXXX XXXX, but was unable to contact him. Upon seeing this phone number was not functioning and she was unable to contact XXXX XXXX as agreed, XXXX proceeded to call XXXX. At this number, XXXX XXXX takes her call that transfers her call to a representative by the name of XXXX who later transferred her call to XXXX XXXX XXXX. During the phone call, XXXX XXXX indicates that there is nothing that can be done for XXXX case and that she should proceed to gather her belongings and leave the house clean of any possession. The only option offered was to pay in full the {$3600.00} or her loan would be foreclosed. She was also indicated that a new appraisal of the property was required, to which XXXX also indicates that she was never told the value of her property after the last appraisal. Throughout these events, the emergency/secondary contact was n't contacted. There is more but I have no more space left.
06/15/2016	Yes	Mortgage Reverse mortgage	Loan servicing, payments, escrow account	FL 33068	Web	Older American
The I am filing this complaint stating with all supporting evidence that the firm known as Reverse Mortgage Solutions , Inc. ( RMS ) a.k.a. XXXX. has violated both State and Federal mortgage servicing laws by the abusive employment of known deceptive practices to fraudulently increase the " security interest '' by adding expenses, fees and legal costs in making an unjust and undue demand for immediate full payment of the Plaintiff 's mortgage loan, which is in the process of being refinanced with another firm, to provide a complete payoff of the entire loan amount, however due to the circumstances of legal timing this transaction can not be completed prior to XXXX XXXX, XXXX or thereabouts, a fact which was clearly expressed in the written correspondence and also conveyed in several telephone conversations with specific RMS employees.The point of contention between the parties is that a remaining equity was less than the total property costs, and despite payment from the equity available, an overage in the total available equity line extended in the original mortgage agreement was agreed to be provided by RMS specifically utilized to pay for insurance and taxes, which were due on XXXX XXXX of XXXX and was paid towards the property for the year. RMS did in an extreme act of Bad Faith, subsequently after making payments as were authorized by the Plaintiff, did then make a false and unsupportable claim that a default of the loan note occurred due to non payment of taxes in XXXX of XXXX, this assertion claimed in the " notice '' is fraudulent and misleading when it states { " the taxes and insurance have/has not been paid on the property '' } ; which is not true or accurate as the taxes were paid on time as indicated above, and the Plaintiff 's remaining available equity line was also included in the payment ( s ). Further, the letter reiterates the verbal agreements made prior to XXXX XXXX, XXXX wherein I did request the advance be made under agreement that the extended monies would be repaid at the closing of the refinance. RMS accepted the requests and made both such requested payments, one for taxes and another for insurance upon my verbal approval knowing the funds would be returned at the refinance closing date. RMS now has made further false claims that no repayment of the overage was made, nor any arrangements agreed to provide such repayment. In fact, that is not possible as the closing date pending for XXXX of XXXX has yet to arrive. However, I did request a full payoff of the loan and clearly indicated in correspondence to RMS the exact terms of repayment and to which RMS by acting on the request did " accept by performance '' that this payoff figure was to be paid at the closing, when they delivered the exact payoff figure to me in a payoff statement. THEREFORE ; I was assured that " all was well '' and that the loan payoff amount is reliable and due at the refinance closing date, until the receipt on XXXX XXXX, XXXX of the due and payable notice dated XXXX XXXX, XXXX stating that RMS intends to file a foreclosure against me to collect the entire amount immediately for a default claim stated to be caused by my non payment of the taxes and insurance, which is a fraudulent claim intended only to drive up the cost of my closing expenses of the refinance loan set to occur after XXXX XXXX, XXXX. Thereby RMS, is attempting to pre-empt the closing date with a fraudulent foreclosure claim against me to complicate and charge addition costs not owed or allowable under the current payoff which they have already submitted. RMS is also known to be part of XXXX who recently settled a $ XXXX dollar " false claims act '' fraud case with the Department of Justice , and it appears they learned very little from this settlement as the actions of RMS in this case indicate a continued violation.
08/22/2016	Yes	Mortgage Reverse mortgage	Loan servicing, payments, escrow account	ID 838XX	Web
I am the successor trustee for the revocable trust of my friend, who died in XXXX, 2016. He had a reverse mortgage with One Reverse Mortgage loan number XXXX. The servicing company Reverse Mortgage Solutions has been incompetent or criminal in the handling of my request for the payoff. I sent the request letter and all the requested documentation on XXXX XXXX, 2016 via and email. I waited until the following Tuesday XXXX XXXX, 2016 to call for information. At that time they had done nothing to provide the payoff. The confirmed the receipt of my email. The rep said they need a copy of the trust. I had attached the trust docs to the email along with XXXX other docs they requested. The rep said the trust document was n't there with the rest of the docs. I find that hard to believe that they got all the other attachments but the only one they need to process the request. I looked at the email that I sent them and it had all the attachments there. I was told to resend the trust docs and call back in 24-48 hours. I then resent the trust documents again. I called back the next day and the rep said it was n't loaded into the system yet. I called back the next day and was told it was n't in the system yet. I called the next day, Friday, and demanded info on why it 's not in the system. The rep searched for it and found the email. The email had not been processed at all. She said she would send it to legal for review. I asked if she could have it expedited. I called on Monday XX/XX/XXXX. I was told it was still at legal being reviewed. I called on Tuesday XX/XX/XXXX and the rep said it was still in the legal dept. I asked if he could call legal and ask them to review the trust immediately since it would only take 5 min. He could n't do that. I asked for a supervisor. I was on the call for 45 min waiting to be transferred to speak to the supervisor. I was transferred expecting to speak to the supervisor. It went to voicemail so I left a message with my call back info. I never got a call back by the supervisor. I called back on Wednesday XX/XX/XXXX and spoke to the same rep as the day before. She advised the supervisor escalated the request whatever that means. She also said that the request was finally authorized. The request was assigned to a payoff rep. I was told to call back to check status. I asked to be transferred to the rep assigned to the payoff request. She said they do n't have a line to be transferred to at that department. I asked for a supervisor at that point. After being on the call 17 minutes I was transferred to the sup. I asked the sup to call the rep assigned the payoff. He said he already escalated the request and that 's all he could do. It was painfully obvious the sup, XXXX, had very little training on how to provide customer service. He admitted that the company had completely failed to provide excellent customer service in my request but there was nothing else he could do. He did n't even apologize for the abysmal service. I asked for the complaint dept. He said send an email to the customer service email. He said I can speak with his manager. I asked him to have the manager call me. I never received a call from a manager. I called back on Monday XXXX XXXX, to inquire why the payoff had not yet been sent out. I spoke to XXXX who advised that a request to send the payoff was created at XXXX. She said they had not done so because they did n't know where to send it. My request letter with all my contact info and the email and fax number for the escrow officer was received on XXXX XXXX,. They did indeed have the info on where to email it. I asked why the agent assigned to create and send out the payoff did n't call me to inquire where to send it. XXXX said they ca n't make phone calls out. Fraud by lying and stonewalling are what RMS is engaging in as a standar
03/07/2019	Yes	Mortgage Reverse mortgage	Trouble during payment process	MD 206XX	Web	Older American, Servicemember
Please Check Out CFPB Complaint # XXXX. ( NOTE : The ONLY working # for me is ( XXXX ) XXXX. ) Re : XXXX XXXX XXXX ( Deceased ) XXXX XXXX XXXX XXXX XXXX, MD XXXX Reverse Mortgage Loan # : XXXX FHA Case # : XXXX Re : XXXX XXXX XXXX Et Al. v. XXXX XXXX XXXX Case No. XXXX Circuit Court For XXXX County, Maryland My late father had a reverse mortgage that illegally encumbered his 20-acre, mixed-use ( part residential & part commercial ) farm. FYI : a commercial cell tower on his property actually made it ineligible for a reverse mortgage, but the mortgage company ( XXXX XXXX now dba Reverse Mortgage Answers of XXXX, MD ) got him approved for a reverse mortgage anyway when it failed to mention the cell tower to the underwriter. FHA underwriting guidelines strictly prohibit reverse mortgages on income-producing properties ( i.e., no agricultural or commercial use ). The fact that the cell tower had a land lease that ended on XX/XX/XXXX had four tenants ( XXXX XXXX XXXX XXXX XXXX & XXXX ), and had more than 1000 feet of buried fiber optics for XXXX, made it commercial. Reverse Mortgage Solutions ( RMS ) foreclosed on the property despite being asked by state regulators at DLLR not to do so. RMS and its representatives engaged in fraudulent activities that made the foreclosure illegal : 1 ) RMS had numerous documents notarized by XXXX XXXX XXXX, who presented different signatures on her documents. Notaries are only supposed to use the signature they have on file in their state. 2 ) RMS used substitute trustees at the law firm of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, to foreclose on the property. The foreclosure was filed by attorney XXXX XXXX XXXX of the law firm of XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX as well as others at that law firm filed numerous attorney affidavits with questionable signatures ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ... despite XXXX having to dismiss a foreclosure lawsuit XXXX XXXX XXXX v. XXXX XXXX XXXX Et Al. ( Case # XXXX in the Circuit Court For XXXX XXXX, Maryland ) ... because he allegedly had employees at his law firm robo-sign his signature. 3 ) RMS ' substitute trustees should have dismissed this foreclosure lawsuit against me because of robo-signing. ( Which of XXXX XXXX XXXX XXXX " signatures '' is actually his? 4 ) Lastly, one of RMS substitute trustee XXXX XXXX XXXX ' submission of robo-signed documents to my Chapter XXXX bankruptcy case ( Chapter XXXX -- Case No. XXXX ) to a federal bankruptcy court ( Motion For Relief of Automatic Stay ). Unfortunately, the judge did not realize that the documents ( mortgage assignments that included the robo-signed signatures of the notorious XXXX XXXX ) were robo-signed. Because of these actions, the judge approved the lifting of the automatic stay and I was wrongfully foreclosed on. The property was sold to XXXX XXXX in XX/XX/XXXX, and I was forcefully evicted on XX/XX/XXXX, ... DESPITE XXXX XXXX 's attorney XXXX XXXX XXXX at XXXX XXXX. NOT signing his motion for XXXX XXXX to take possession of the property and have me evicted by the local sheriff 's department. Someone at XXXX XXXX XXXX XXXX law firm robo-signed his signature ( actually, his squiggle ) -- be sure to check out his " numerous signatures '', too. I am a XXXX-year-old, XXXX, XXXX survivor. I did not deserve this. No one does. These folks knew the laws re : robo-signed attorney foreclosure affidavits and robo-signed mortgage documents. They must be held accountable for their actions. PS : Please review XXXX XXXX 's " Report on Fraudulent & Forged Assignments of Mortgages & Deeds In U.S. Foreclosures '' ( page 33 ). Ditto " Avoid Common Notary Certificate Mistakes '' by the National Notary Association. Then check out all the signatures.
04/18/2017	Yes	Mortgage Reverse mortgage	Loan modification,collection,foreclosure	TX XXXXX	Web
Several years ago, my father ( XXXX XXXX XXXX, property address is XXXX XXXX XXXX, XXXX Tx XXXX ) entered into an agreement with RMS ( Reversed Mortgage Solutions ). He received a lump sum payment on the equity in his home. My father passed away XX/XX/XXXXI contacted XXXX XXXX XXXX ( I assume XXXX XXXX XXXX matches borrowers with reverse loan companies ) and was transferred to RMS. I notified the company of my father 's death. The representative advised I had three months to mail in the following documents : death certificate, affidavit of heirship, and a letter of intent. He also stated that we had a year to resolve this issue ( something my father also told me when he entered into this contract ). During the phone call, he also confirmed that he had my name, address, and phone number as the person of contact on this record. Prior to the deadline, I mailed a death certificate, the affidavit of heirship, and a letter of intent. In the letter, I advised that it was our intention to purchase the house ; however, because of a financial situation, I would not be able to do so until XX/XX/XXXX. I also stated in the letter that the asking price was excessive as there is much damage to the house ( it has termites and damage caused by termites and will likely need a new roof soon ). The death certificate had the wrong date of birth on it and the funeral home was working to correct this issue. I ended the letter with, should you have any questions, contact XXXX XXXX and I put my address and phone number again. Naively, I assumed that I had completed my part of the bargain. I received no follow up requests. I thought all I had to do is contact the company in XXXX XXXX to follow through with purchasing my father 's home. To my surprise, the first correspondence that I received from this company was a certified letter from attorneys advising they were going to auction of my father 's house to the highest bidder onXX/XX/XXXX. I immediately contacted RMS and asked why they were doing this. I stated I sent the letters advising that I could not buy the house until XX/XX/XXXX I also asked why they had not contacted prior to this drastic step. The agent stated that it was not the company 's responsibility to contact me. I also stated that I thought I had a year to purchase the house back. The agent again stated it was my responsibility to follow up with the company regarding my intentions. I asked her what we could do to purchase the house back now, she states you can send us {$78.00},??? .00 ( I ca n't remember the exact amount ) before the auction date or purchase the house at the auction. As I have my own home and responsibilities, I could not afford the price asked by RMS ( especially considering the money that I would have to put into the house for repairs needed ). A family friend ( who was going to assist me with purchasing the house ) and I went to the auction. To our surprise, it was not a true auction. We were prepared to bid on the house, but the opening bid was {$68000.00} ( or somewhere in that area ). I told the auctioneer, the letter that we received stated the house would be sold to the highest bidder. She stated that the mortgage company had a base rate and would not go below that amount. She also stated the mortgage company would retain ownership of the home. The week after the auction, I contacted RMS again and asked what I had to do to get the house at this point. I was given the name and phone number of a local realtor. I asked why I had to call this person and the representative stated she 's the person that handling the sale of the house. I contacted the realtor and she states, what has to happen is the house has to be put on the market before I can even begin the process or buying the house.
07/26/2016	Yes	Mortgage Reverse mortgage	Loan modification,collection,foreclosure	VA 23464	Web	Servicemember
On XXXX/XXXX/16 my father passed away with a reverse mortgage in place with Reverse Mortgage Solutions , Inc . I have been in constant communication with them, asking them questions, asking for advice, advising them where we stand with the progress of my husband and I attempting to get a loan to payoff the loan. After at least XXXX phone calls and many letters sent by return receipt certified mail I was advised by certified mail that the house will be going up for auction on XXXX I received the letter on Sat. XXXX/XXXX/16 saying that an ad for the house will be listed in the XXXX XXXX on Mon. XXXX/XXXX/16, XXXX and XXXX. I immediately called the lawyers office of XXXX XXXX XXXX, XXXX. at XXXX and was advised by a receptionist that I had to contact RMS. I called RMS immediately after that at XXXX XXXX XXXX and talked to XXXX telling her that at NO POINT was I ever told by anyone that the time was running out and that the house would be put up for auction. I had before XXXX advised them that we were working on getting a mortgage with XXXX XXXX bank and on XXXX I requested a payofff balance from them to give to XXXX XXXX. XXXX acknowledged them receiving the request I sent on XXXX for a payoff and told me that payoff letters take XXXX14 days to process. I along with XXXX XXXX ( phone XXXX ) mortgage consultant at XXXX XXXX have emailed and requested a postponement of the sale ( as advised by XXXX ) with RMS. On XXXX I was told by XXXX with RMS that I needed to ask for a extension not a postponement. I asked her to check and see if the emails were received asking for that and she said no. While on the phone with her I told her I would forward the letters again and I would call back within a 1/2 hour to make sure she got them.XXXX advised me that the Legal Department would see if I could get an extension or postponement. I asked if I could talk to someone in the legal department and she said no that I could contact them thru the customer service email address ( XXXXXXXXXXXX ). She gave me her extension and I called her back. Of course I had to speak to someone else as she was not available and at XXXX on XXXX I spoke to XXXX and he told me their department had no way of knowing if email was received. He called someone and then told me that he checked and they had in fact received the email. On XXXX I sent by overnight mail a request for a postponement or extension on this loan as I am working with XXXX XXXX. I have closely, very closely been working with XXXX XXXX to get an approval letter sent to RMS and as with all mortgages there is delay after delay. I and or my husband have been in contact with XXXX XXXX XXXX XXXX at XXXX, XXXX XXXX in underwriting at XXXX and have left XXXX messages with no response for the head of the mortgage department at the Virginia XXXX XXXX XXXX XXXX XXXX at XXXX and XXXX. I have called RMS and spoken to XXXX on XXXX, XXXX in XXXX 2016, XXXX on XXXX, XXXX on XXXX, on XXXX they called me and advised them I had to go to probate before I could do anything about the house, I spoke to XXXX on XXXX, on XXXX spoke to XXXX he advised me to seek financing and then RMS would reach out to us. XXXX I spoke to XXXX asking about us financing and buying the home. I paid for a appraisel myself and faxed it to them on XXXX. I sent them a preapproval ltr from XXXX mort. and told them that while I had this I wanted to seek another mortgage company rates. On XXXX spoke to XXXX he acknowledged getting the appraisal. XXXX I asked for the payoff amount and then XXXX received the letter telling us about the house going up for auction that letter was dated XXXX/XXXX/16. As you can see I have been in contact with RMS very regularly and NEVER had I been advised of this coming.
02/11/2016	Yes	Mortgage Reverse mortgage	Loan servicing, payments, escrow account	MN 55025	Web
Dear XXXX or XXXX XXXX XXXX, XXXX I am contacting you at the suggestion of MN Attorney General XXXX XXXX. I contacted the MN Attorney General 's office XXXX XXXX, XXXX because of grave concerns regarding Reverse Mortgage Solutions ( RMS ), ( subsidiary XXXX XXXX ) business practices and how they use stalling tactics coupled with poorly trained customer service reps who loose paperwork, are rude, tell me I have done something wrong, etc., to keep me from purchasing my family property at 95 % of current market value. In XXXX, XXXX my mother was coerced into signing a reverse mortgage on a house that had been paid for many years. Mom was thinking this was some how the end to her financial worries, as promised, because like her and so many elderly victims of this kind of abuse, she had more dollar value in property than she had in liquid cash. This mortgage company and others like it prey on the weak and elderly. These companies operate with little to no over-site by state and federal government and steal equity and property from occupants and heirs. If RMS was playing by the rules set forth by HUD XXXX, I would not be writing to your agency. The FHA case number to the loan is : XXXX. It is my understanding that as her heir, daughter, I am entitled to purchase the property for 95 % of market value as stated in her closing papers from " XXXX XXXX XXXX '' and the paper work that was delivered to my dead mother 's mailbox dated XXXX XXXX, XXXX from RMS. I am a cash buyer so I did not require loan approval or funds. I have clearly stated to RMS I am interested in purchasing the property several times over. My mother passed away XXXX/XXXX/XXXX, was buried XXXX/XXXX/XXXX, and Reverse Mortgage Solutions ( RMS ) was notified of her death XXXX/XXXX/XXXX by my sister. She called the RMS the customer service number noted on Mom 's monthly statement. A condolence letter dated XXXX/XXXX/XXXX was delivered to my dead mother 's mailbox via US mail even though RMS knew she was dead and I was listed as the contact person for my mother 's RMS account. Every year, mom had to sign a paper stating she was still living in her house ( occupancy ) and clearly state who to contact if RMS needed to do so. That was my first red flag with this company - many, many more were to come as I continued to deal with RMS. I called RMS general customer service number only after leaving several messages with XXXX XXXX, my POC who was suppose to guide me through the process. I only talked to XXXX 's voice mail, never to her in person. Her VM stated she would return calls within 48 hrs. Well, that NEVER happened!! I have yet to talk to XXXX. Plus, the extension to the telephone number listed on the paperwork never did work!! Any time I attempted to call XXXX, I would go through the customer service number - the same XXXX my sister used. I was told by RMS customer service to state my intentions of what I want to do with the house. I clearly marked the box that stated the 95 % pay off option ( which was explained to me by RMS that meant current market value ) and Faxed the letter back. I kept the cover sheet from the Fax transaction clearly stating the Fax was indeed sent and received correctly. Additionally, I hired a probate attorney on XXXX/XXXX/XXXX to represent the estate through the probate process. RMS has illegally accelerated foreclosure proceedings on the property. According to HUD guidelines, I had 9 months before that was to begin. RMS has made a complete mess out of this seemingly easy transaction and with no legal oversight by state and federal regulators, RMS continues to conduct business in an injurious manner. ( in order to continue this form I checked Making Payments, does not fully apply )
03/07/2019	Yes	Mortgage Reverse mortgage	Trouble during payment process	MD 206XX	Web	Older American, Servicemember
Re : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Reverse Mortgage Loan # : XXXX FHA Case # : XXXX On XX/XX/XXXX, five major banks ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX ) executed a {XXXX} XXXX National Mortgage Settlement with the federal government, 49 state attorneys general, and the District of Columbia. This settlement was payment for such consumer abuses as robo-signing and failing to negotiate in good faith. Regarding the above-referenced reverse mortgage : Despite a planned/scheduled settlement in the works for XX/XX/XXXX, someone (? ) executed a fill-in-the-blank, hand-dated, robo-signed mortgage assignment on XX/XX/XXXX -- two days before that historic settlement. Then someone (? ) executed another fill-in-the-blank, hand-dated, robo-signed mortgage assignment on XX/XX/XXXX -- about six weeks after that historic settlement. Then more than a year later both robo-signed documents were finally recorded in the Land Records Department of the Circuit Court For XXXX County, Maryland on XX/XX/XXXX! Robo-signed documents are considered both fraudulent and illegal. Given this, one of the substitute trustees at the law firm of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, filed a Motion For Relief of Automatic Stay in the United States Bankruptcy Court For The District of Maryland ( XXXX Division ) in my Chapter XXXX bankruptcy case ( Chapter XXXX - Case # XXXX ). Included in that submission were robo-signed mortgage assignments which I only recently discovered. ( Opposing counsel sent documents to my attorney -- not to me. ) Based upon these fraudulent documents, the bankruptcy court judge lifted the automatic stay. The substitute trustees then rammed everything through the local Circuit Court For XXXX County, Maryland. State officials at DLLR asked Reverse Mortgage Solutions NOT to proceed with a foreclosure. They did anyway. I am now a XXXX-year-old XXXX survivor made XXXX because of a wrongful foreclosure by Reverse Mortgage Solutions ( RMS ). I am also destitute because I lost the income from a commercial cell tower ( with a cell tower land lease ending XX/XX/XXXX and four tenants - XXXX XXXX XXXX, XXXX, XXXX and XXXX and more than 1,000 feet of buried fiber-optics ) on the 20-acre farm that actually made that property ineligible for a reverse mortgage. I have no home. I have slept in my car in freezing ( below 32 degree ) weather. I have slept in numerous XXXX XXXX. I have slept on friends ' couches. I have no money. Will you help correct this injustice? ( Treble damages. ) Both of my parents are deceased. They did not buy that farm for anyone to steal it from me and leave me sleeping in my car at this stage in my life. I need help. I need justice. Thanks!!! PS : Please be sure to read Page 54 of XXXX XXXX 's certified forensic audit ( " Property Securitization Analysis Report '' ), especially where he writes : Foreclosure actions brought by foreclosing parties with impropriety as noted in body of report. ENCLOSURES : 1 ) " Property Securitization Analysis Report '' by XXXX XXXX 2 ) Motion For Relief Of Automatic Stay ( from my bankruptcy file ) 3 ) Allonge ( from my bankruptcy file ) 4 ) Mortgage Assignment from XXXX XXXX to XXXX XXXX XXXX with robo-signed signatures ( all signatures were robo-signed and included the signature of the notorious XXXX XXXX ), from my bankruptcy file 5 ) Mortgage Assignment from XXXX XXXX XXXX to RMS, with robo-signed signatures ( all signatures were robo-signed and included the signature of XXXX XXXX ), from my bankruptcy file 6 ) RMS - History of Legal Troubles ( Updated XX/XX/XXXX )
11/28/2017	Yes	Mortgage Reverse mortgage	Struggling to pay mortgage	TX 75028	Web
My name is XXXX XXXX, I am the XXXX of XXXX XXXX. My husband did a reverse mortgage on this property in XX/XX/XXXX, at the time I was not XXXX years old and therefore was not able to be on the loan.I was told by the mortgage company at the time that because we were married and in case of him XXXX XXXX I would be a non borrowing spouse and did not have to do anything other than let them know I would continue to live in the home. My husband XXXX XXXX on XX/XX/XXXX and he left the house to me. It is my primary home. The original HECM was done with XXXX XXXX. This year XXXX sold the loan to XXXX XXXX. When my husband XXXX XXXX, I submitted the XXXX certificate to XXXX XXXX and I assumed that when they sold the loan to XXXX they would have included the XXXX certificate in the loan package. Around XX/XX/XXXX or XX/XX/XXXX XXXX XXXX sent a person to see if someone was living in the home, I told that person that I was living in the home and that it was my intention to continue living in the house. He told me he would make a note and submit it with his report. When I got the notice that XXXX XXXX was my new lender on XX/XX/XXXX I faxed over all the documentation they requested which included my drivers license, XXXX certificate for my husband, copy of the will and a letter stating that I intended to continue living in the home. I faxed over that same package of documents several times because when I would follow up they would tell me they did not have anything, I asked them if there was a faster more secure way of getting those documents to them and they said for me to email them. During these conversations I was never told that I had a 120 day time frame to submit the documents, they just kept telling me to resend them. On XX/XX/XXXX I received a letter from XXXX XXXX addressed to my husband requesting that he sign the certificate of occupancy, I filled it out with my name and submitted all the supporting documentation along with the certificate of occupancy again. On XX/XX/XXXX I received a letter from XXXX XXXX addressed to the estate of XXXX XXXX. The letter was a Home Equity Conversion Mortgage Due and Payable Notice. It asked that I submit the same information all over again including XXXX certificate which I did again. On XX/XX/XXXX I finally received a letter addressed to me, this letter was a Notice of Non-election pursuant to mortgagee letter XX/XX/XXXX. This notice was the first time I had seen or heard of the 120 days after XXXX due date. When I called to find out why the time frame had already expired they told me the final due date was XX/XX/XXXX. I received this letter on XX/XX/XXXX. They said there was nothing they could do and that I had to sell the property or find alternative financing to payoff the debt because the loan was in active foreclosure. I have contacted them several times to let them know I had sent the required paperwork many many times prior to the XX/XX/XXXX due date but they said there was nothing they could do since the loan was referred to a lawyer and as of XX/XX/XXXX it has an active sale date of XX/XX/XXXX. With the holidays and the short notice it has become very stressful because I ca n't find alternative financing and with my social security income it is difficult to find a place I can afford to live in. I am attaching all the supporting documentation along with dates and notes from conversations with XXXX mortgage. I would greatly appreciate any assistance in this matter. Thank you for your time and I look forward to hearing from you. Sincerely, XXXX XXXX XXXX XXXX
05/02/2016	Yes	Mortgage Reverse mortgage	Loan servicing, payments, escrow account	NV 89134	Web	Older American
We purchased our home XXXX XXXX with a reverse mortgage originated by XXXX XXXX and transferred to Reverse mortgage Solutions ( RMS ). On XXXX XXXX, XXXX we received a notice from RMS that we owed {$1100.00} for delinquent taxes and insurance. I called customer service for an explanation and was told {$790.00} was for insurance they paid due to a lapse of coverage of my homeowners insurance and {$390.00} was for unpaid property taxes.Regarding the insurance charge : We have a Homeowners Association that covers the property and the policy at time of closing was a 3 year policy that did not terminate until XX/XX/XXXX. I referred her to my HOA and they faxed a copy of the policy to RMS. I was forced to do this on 3 separate occasions over a 2 year period and each time I was reassured by an RMS representative that it " would be taken care of ''. It never was. Regarding the claim for unpaid taxes : During the same 2 year period when I attempted to solve the insurance issue I asked for the date the supposed tax payment was not made and was told " sometime during the tax year of XXXX. I have cancelled checks verifying all taxes paid om time from XXXX thru XXXX, therefore there could not have been a " missing '' tax payment for that period. After each of these sessions with an RMS rep I would receive a monthly statement showing no delinquent charges which led me to believe that finally we had cured the issues. Not so. XXXX XXXX we were placed in foreclosure by RMS. Realizing working with a customer service rep was not accomplishing any results I contacted the department head and was told he would start and investigation. As a result of their investigation, RMS agreed the {$790.00} insurance charge was not valid and credited the charge to my loan balance. His research into the tax issue discovered that the mortgage originator, XXXX XXXX when preparing the closing documents included XXXX, XXXX and XXXX quarter taxes but did not compensate for the XXXX quarter taxes. Not sure why with all of my dealings with RMS.s reps over a 2 year period no one was able to provide me with this information, however after being provided with the proper accounting breakdown I realized how the mistake occurred and the claim was legitimate. I forwarded a cashiers check and assumed that the 2 year ordeal of stress and frustration was finally over ... not so. Two days after RMS received my cashiers check, they filed a " notice of default '' against our property!! Initially, I felt we were just dealing with an inept dysfunctional organization, however it appears this is a deliberate company strategy to rip-off innocent people and acquire their property. My wife and I are both honest responsible people in our XXXX 's with in excess of {$100000.00} in equity in our home. At no time during this process we were not willing or unable to pay the disputed amounts, however we knew without a doubt the insurance charge was not valid so why were we to accept the claim for the taxes when we were never provided any type of accounting that this was owed by us. Furthermore, we received monthly statements from RMS and these items never once appeared anywhere on the breakdown even though there were specific line items addressing both of these items, they also showed XXXX balance owed. For us having to deal with the constant intimidation and coercion from this company may not be illegal but is unquestionably unconscionable and they need to be stopped somehow from their deceitful practices.
01/14/2017	Yes	Mortgage Reverse mortgage	Application, originator, mortgage broker	MN 551XX	Web	Older American
My Mother n law at XXXX years old, Suffering from XXXX. She bought and lived in her house for XXXX yrs since XXXX. In XXXX XXXX she got got a phone call from XXXX Reverse Mortgage. Telling her that these are her golden years, she should be able to live life the way she wants with her equity from the house. She would remain the owner, payment free and stay in her home until she dies. She really did n't want to refinance again, had done it a few times before. As a single mother doing what she needed to do to pay her bills. XXXX Reverse Mortgage reassured her that she would have no payments, remain the owner and live in her house until she dies. Her son then could get the house. XXXX Reserve Mortgage LLC did a PHONE\MAIL.Loan. Signed a paper for closing cost. There was a 2nd closing close and adjusted fees. She had NO COUNSELING SESSION BEFORE OR DURING. She was charged {$120.00}, received no services. HUD Certificate of HECM Counseling no name, address, phone number or signature they say SEE COUNSELORS EXECUTED CERTIFICATE ON EVERY LINE. No SIGNATURE on HUD or XXXX Document and initials says N\A. Documents for her INITALS say N\A. The appraiser approved the house SHE WAS TOLD TO DO SOME REPAIRS.There were some BIG REPAIRS garage roof, double garage door, kitchen floor She was MAD HAD NO MONEY to do repairs. She asked about her EQUITY and there was XXXX REPAIR MONEY SET A SIDE. Could n't get the money until REPAIRS WERE DONE. Appraiser APPROVED THE HOUSE with MOLD/WATER DAMAGE in BASEMENT, MISSING PIPES, LEAKING PIPES AND WATER\BLACK MOLD UNDER KITCHEN SINK, CEILING LIGHT FIXTURE hanging BY WIRES, PORCH MISSING WINDOWS, BROKEN MAIN BEAMS LEAKING in between PORCH and HOUSE over OUTSIDE LIGHT FIXTURE. WOODEN FENCE UNSAFE FALLING OVER in many areas and more.No HUD INSPECTOR came to the house. Appraiser APPRAISED AT {$99000.00}. NO WAY this house is n't worth XXXX NEEDS TO MUCH REPAIRS due to all the water damage.XXXX Reverse Mortgage LLC, XXXX MI took over loan at XXXX after closing she owed XXXX. Different lenders or loan names in main documents XXXX Reverse Mortgage, XXXX XXXX C.A, XXXX systems XXXX MI. Also other names and addresses on paperwork are Reverse Mortgage Solutions or RMS XXXX XXXX Texas, XXXX XXXX Texas, XXXX XXXX Texas, XXXX TN, XXXX NC, XXXX Tx. Her other loan had escrow for property taxes and Insurance. Reverse Mortage was paying her Insurance Cost XXXX a year and they sent her notices which I found unopened about paying property taxes which they paid in XXXX and charged her for taxes. Property taxes RMS paid in XXXX too.The Isurance on the house was under the address and UTILITY INC OR INK REVERSE MORTGAGE SOL. ALSO NOW KNOWN AS XXXX XXXX Texas. XXXX She got FORCLOSER PAPERS. which STATED a different MORTGAGE COMPANY It was XXXX STATED RECORDING DONE ON XXXX XXXX NEVER HEARD OF THIS COMPANY. ON XXXX XXXX It was ASSIGNED TO REVERSE MORTGAGE SOLUTIONS INC. All the papers from XXXX - XXXX were from RMS. She OWNED HER HOUSE for 49 YEARS SINCE XXXX. Reverse Mortgage Solutions Inc, RMS, Utilty Ink Reverse Mortgage Sol, XXXX, XXXX which ARE ALL ONE WITH THE SAME PHONE NUMBER. Loan started at XXXX, Sheriff sale XXXX paper work says pay XXXX to buy house back. WHAT SHE WORKED VERY HARD FOR 49 years to have and give to her son when she dies. THEY FORCLOSED IN 4 YEARS!!! Now at XXXX years old she FACES FORCLOSED AND EVICTION. This house does need a lot of repairs BUT ... ITS HER HOME AND HER HOUSE!!!
02/24/2017	Yes	Mortgage Reverse mortgage	Loan modification,collection,foreclosure	CA 91792	Web	Older American
XX/XX/2017 The XXXX Department of XXXX XXXX XXXX, CA XXXX XXXX, XXXX XXXX XXXX, CA XXXX Law Office of XXXX XXXX XXXX, CA XXXX Re : Loan Number XXXX Subject : Notice of Error, Request for Documents, Wrongful Foreclosure, and Authorization Lender : Reverse Mortgage Solutions, dba XXXX ID : XXXX Trustee Sale Number : XXXX Case Number : XXXX Borrower : XXXX Property Address : XXXX XXXX, CA XXXX Attention : XXXX Department of XXXX XXXX ( XXXX ) is currently assisting the above referenced client to review a legal matter. Please accept this letter of representation regarding our client XXXX. The XXXX is reaching out to your office in an attempt to resolve a wrongful foreclosure action against my, XXXX. XXXX has a reverse mortgage with Reverse Mortgage Solutions ( RMS ). As part of scheduled repairs, my client initiated and completed repairs on her home. My client provided all of the required documents which confirmed that all repairs had been completed. Unfortunately, our review confirmed that RMS negligently failed to act reasonably to postpone and or cancel a pending foreclosure action on my client 's property. Subsequently, my client 's home was sold at trustee sale to a third party ( XXXX XX/XX/XXXX, XXXX ). Following the sale, RMS representatives acknowledged their error, and provided assurance that the issue would be resolved. My client was served with an Unlawful Detainer action, continually harassed to vacate or surrender her property, and threatened with legal action by the new owner. RMS has failed to resolve this issue in a timely manner, and has failed to respond to numerous requests for information. A review of my client 's records confirmed that my client initiated required repairs to her property in compliance with the Promissory Note and Deed of Trust executed at the time her loan was originated. Please note, my client is elderly and has limited mobility. This factor caused a delay in initiating repairs to the property. Further, the required repairs were limited to minor replacement of carpet in two rooms. Also, my client was in constant contact with the lender during this entire process and provided necessary updates to the lender, as the repairs were being ordered and completed. On or before XX/XX/XXXX my client provided RMS a work invoice from XXXX. XXXX, which confirmed the completion on the required repairs at the property referenced above. On XX/XX/XXXX, my client spoke with XXXX, a representative at RMS which dealt with this repair issue. On this date XXXX confirmed that she would be postponing and or cancelling the pending foreclosure sale scheduled for XX/XX/XXXX. On XX/XX/XXXX, my client faxed RMS proof of completion from XXXX. XXXX. My client followed up with a telephone conversation, again, with XXXX, who again assured her that the foreclosure sale date was in the process of being cancelled or postponed. On XX/XX/XXXX, inspectors from RMS completed their physical review of the property and repairs and confirmed that all work had been completed on the property. On this same day, my client spoke with a RMS representative to confirm the inspection was complete and confirm that the foreclosure sale had been cancelled. The RMS representative assured my client that no foreclosure action would be completed. On the following day, my client once again spoke with RMS and was reassured that no sale would be completed. On XX/XX/XXXX, having failed to cancel or delay the fore
03/22/2016	Yes	Mortgage Reverse mortgage	Loan modification,collection,foreclosure	NJ 07801	Web	Older American
Here is my story. Back in XXXX of 2013, I was selling my house and having heard all the hype about Reverse Mortgages, I spoke to a representative from Reverse Mortgage Solutions in XXXX Texas. He assured me that under a reverse mortgage the new house would be mine until the day I die. He told me I 'd never have to worry as long as my taxes were paid and my homeowner 's insurance is up to date. Concerned about my security, I asked repeatedly if the house really would be mine until I died and he reassured me over and over again that it would. Regretfully, I believed him. Big mistake! I signed all of the paperwork and moved into my new house. Please know that I am not as of yet dead yet, all of a sudden, just this week, I 'm getting notices from all kinds of attorneys informing me that my house is listed for foreclosure. I contacted my state senator, XXXX XXXX, to inform him of my dilemma. He in turn contacted the Attorney General of Consumer Affairs here in XXXX who told him that it is illegal for reverse mortgages to be used to buy a new house ( something Reverse Mortgage Solutions never made me aware of ). Very concerned, the Attorney General of Consumer Affairs asked if I wanted to be part of a class action suit and I said yes, however, I was later to be told that because Reverse Mortgage Solutions is located in Texas, a suit ca n't be filed in XXXX. The Attorney General of XXXX then gave Senator XXXX 's Office this link to be able to file a complaint with the XXXX division of Consumer Affairs and am now contacting you, Consumer Affairs in XXXX, to hopefully get justice. Reverse Mortgage Solutions in XXXX XXXX misinformed and scammed me in that I was never told : ( 1 ) that the reverse mortgage runs out when the equity runs out on the house, ( 2 ) never told me that it is illegal to purchase a home using a reverse mortgage ; had they informed me, I never would 've agreed to using a reverse mortgage. Now there are foreclosure proceedings initialized on my house because of all the lies and misinformation I fell victim to. Using my {$95000.00}. down payment was their one and only priority in drawing up the papers for a reverse mortgage and ( 3 ) TV advertisements as well as Reverse Mortgage Solutions stated that I would be able to receive monthly funds to help pay my bills yet even in the first year of my Reverse Mortgage, I called Reverse Mortgage Solutions to ask if I could get a little help financially to help pay some bills and was told that the parameters were not correct. I 'm still not sure exactly what that meant as no one seemed to be able to explain it to me. The only thing I was told by the Reverse Mortgage Solutions representative was to try and get help from a friend. Needless to say, I was never able to get a dime from my Reverse Mortgage, from Reverse Mortgage Solutions. I think it is very important for people to know what they are very possibly getting into if they decide to use a reverse mortgage. The pain and suffering this is causing me is beyond description. I am currently fighting XXXX and would like to be able to get justice and to know that I 've been instrumental in informing the public of the blatantly unethical, non-professional and most deceitful program known as a Reverse Mortgage. I 'm hoping you can give me the justice I deserve. No one should have to endure this kind of XXXX over the unsavory practices of Reverse Mortgage providers.
05/20/2016	Yes	Mortgage Reverse mortgage	Loan servicing, payments, escrow account	MD 206XX	Web
SEE MY PREVIOUS COMPLAINT re : Reverse Mortgage Solutions ( RMS ) of XXXX TX ( Reverse Mortgage Solutions - XXXX XXXX XXXX XXXX XXXX XXXX ) ILLEGAL ROBO-SIGNING OF MORTGAGE " ASSIGNMENTS OF DEEDS '', etc. Briefly, my elderly, XXXX, XXXX father got a reverse mortgage from XXXX Mortgage ( now dba Reverse Mortgage Answers ) of XXXX on XXXX XXXX, XXXX. His mortgage was shrouded with fraud from day XXXX when ( per an undated Underwriting Conversation Log ) even before he got that reverse mortgage an appraiser concealed from the underwriter the presence of a highly-visible, income-producing commercial cell tower XXXX XXXX permit records confirm was built in XXXX. Because of actions by both XXXX Mortgage personnel and its appraiser XXXX XXXX, the underwriter approved a reverse mortgage that illegally encumbered his XXXX farm included that commercial cell tower. After all, FHA underwriting guidelines for reverse mortgages ( and also those of RMS ) strictly prohibit reverse mortgages on income-producing properties. That highly-visible, income-producing commercial cell tower that XXXX built two years before my father got that reverse mortgage made my father 's property ineligible for a reverse mortgage as is. XXXX Mortgage ( now dba Reverse Mortgage Answers XXXX ) should have hired a surveyor and surveyed out that excess land including that cell tower. It did n't. That made this a fraudulent mortgage. That fraud also involved Reverse Mortgage Solutions ( RMS ). Although their guidelines also prohibit reverse mortgages on income-producing properties, their appraiser XXXX XXXX continued the fraudulent masquerade by not mentioning that cell tower or its income in his appraisal. That 's strange, since he included a photo of that cell tower in his appraisal report which I received from RMS official XXXX XXXX. ( See side-view color photo on page XXXX of his appraisal report. ) NOW ABOUT ALL THAT ROBO-SIGNING : Less than one month later after my father got his reverse mortgage, there began a series of " Assignment of Deed '', etc., in which ownership of his reverse mortgage was transferred from XXXX Mortgage to XXXX Mortgage, from XXXX Mortgage XXXX XXXX XXXX XXXX, and then from XXXX XXXX XXXX to Reverse Mortgage Solutions ( RMS ). Problem is, ALL three assignments of deeds were shrouded in ROBO-SIGNING. Signatures included those of the notorious XXXX XXXX of " XXXX Minutes '' fame who was the # XXXX robo-signer in the country. And XXXX XXXX XXXX XXXX address was that of XXXX XXXX Bank office. XXXX XXXX XXXX of the Office of the Commissioner of Financial Regulation for the State XXXX told me that she contacted RMS and asked them to halt foreclosure efforts. XXXX decided not to honor her request. Today is Friday, XXXX XXXX, XXXX. Yesterday afternoon I received in the mail a simple white non-descript # XXXX envelope from XXXX ' attorneys XXXX XXXX XXXX XXXX that contained a one-page notice of a pending foreclosure sale. The notice was dated XXXX XXXX, XXXX. The sale is scheduled for XXXX XXXX, XXXX. That 's less than a two-week notice. Robo-signing is illegal. Plus, it 's also the root of numerous lawsuits. Just check out XXXX v. XXXX XXXX XXXX. Also check out XXXX XXXX XXXX XXXX XXXX XXXX. There is a problem anytime folks can break the law and steal property from penniless victims.
06/08/2019	Yes	Mortgage Reverse mortgage	Applying for a mortgage or refinancing an existing mortgage	NY 11757	Web
There is a reverse mortgage on my house in the name of my deceased husband. When we applied for the reverse mortgage in XX/XX/XXXX our home was in both our names and we were told that while the mortgage and deed would be in the name of my husband initially, after three years the deed and reverse mortgage would be transferred to include me. I remember at the closing we signed two deeds -- with the second being the one that would transfer the house back to both our names once I reached XXXX years of age. After my husband died in XX/XX/XXXX, I was shocked to learn that I had not been added to the deed or mortgage as promised. After my husband died on XX/XX/XXXX, I received a letter from Reverse Mortgage Solutions dated XX/XX/XXXX that told me that I might be eligible for a HUD program for surviving spouses called the " Mortgagee Optional Election Assignment '', which would allow me to stay in the house that I have lived in for the last 40 years ( and which I live in now with my XXXX year old XXXX veteran father ). In that letter, RMS said that I had to continue to pay the property taxes and insurance as a condition of being eligible for the HUD program. I quickly sent them back all the documents they requested in hopes of being able to continue to live in my home and care for my father. The documents I sent included my marriage certificate, my husband 's death certificate, my husband 's will, my driver 's license and a social security verification. I also continued to pay the taxes and insurance ( and am still paying the taxes and insurance ) as I was told to do by RMS. Over the next two years, RMS kept sending me requests for the exact documents that I had provided them in XX/XX/XXXX. Each tine, I sent them exactly what they requested within the deadline that they placed in their letter. Again, during all this time I paid my taxes and insurance as requested by RMS. I never received a written letter from RMS telling me I was not eligible for the HUD program. In XX/XX/XXXX, I received a letter from RMS that said they were going to start foreclosure proceedings against me in 90 days. The only default they were alleging was the death of my husband. In the letter they again said, " you may be considered an eligible non-borrowing spouse under a HUD program which allows you to remain in your home for the rest of your life. At that point I asked them to consider me for this program. I was surprised when I received RMS 's response dated XX/XX/XXXX, that said I was not eligible for the surviving spouse benefit because the documents had to be given to HUD within " 90 days from the death date '' of my husband. This means that when RMS first reached out to me on XX/XX/XXXX, the deadline had already passed. I feel that RMS should have told me about this deadline sooner and that, instead, they tricked me into paying the taxes and insurance for several years by giving me hope of staying in my home through the HUD program. They have now started a foreclosure action against me, and are seeking to put me and my XXXX year-old father on the street. I think something should be done about this. This is a very deceptive thing that has been done to me. ( Please note : I do not have access to a scanner, but I can provide hard copies of the letters mentioned above if you want them. )
01/15/2019	Yes	Mortgage Reverse mortgage	Applying for a mortgage or refinancing an existing mortgage	AL 355XX	Web	Older American, Servicemember
THE LOAN AND ALL IS IN MY WIFES NAME I AM NOT ON THE LOAN THEY TOOK ME OFF TITLE OF DEED AND AS A NON BORROWING SPOUSE BY FOREGING MY Name go the documents without my knowledge of this loan. MY WIFE PASSED XX/XX/XXXX AND 2 DAYS AFTER THAT I RECEIVED NOTICE THAT SHE WAS IN DEFAULT OF A LOAN. I HAD TO PAY BACK IN LUMP SUM OR WALK AWAY. REVERSE MORTAGE.SAID THAT I HAD HAD WRITTEN SIGNATURE AS WELL ELECTRONICALLY SIGNED A DOCUMENT OF CONSENT TO REMOVE MY NAME FROM THE TITLE OF DEED AND ELECTRONICALLY SIGNED CONSENT WAIVING MY RIGHTS AS ANON BORROWING SPOUSE, THIS WAS ENTIRELY FABRICATED AND FORGERY, I NEVER EVEN KNEW OF THIS LOAN OR MORTAG AND OR WHATEVER UNTIL 2 DAYS AFTER MY WIFE PASSED, THE ENTIRE THING WAS ILLEGAL FRO THE START OF THE APPLICATION TO LOAN REVERSE MORTAGE TO THE FORECLOSURE SALE AND NOW TRYIN TO EVICT ME IN CIRCUIT COURT. DURING THIS WHOLE PROCESS THEY TOLD ME TO SEND IN THE REQUIRED DOCUMENTS THEY REQUIRED TO QUALIFY ME AS A NON BORROWING SPOUSE, THEY SAID THEY DIDNT RECEIVE BUT A PARTIAL DEATH CERTIFICATE THEY DID NOT RECIEVE ALL THE REQUIRED DOCUMENTS I DID SEND EVERYTHING THEY ENDED AND REQUESTED THEN THEY, THEY WOULD SAY WELL WE DIDNT GET HTE OTHERS AND THEY WOULD MAKE UP ANOTHER DOCUMENT THT I WOULD HAVE TO SEND IN AND I SENT EVERY DOCUMENT THEY TOLD ME TO, NOT ONCE BUT 5 TIMES, ) FAXED 2. ) EMALED. ) REGULAR MAIL 4. ) CERTIFIED MAIL 5. ) VIA FAX AND EMAIL AGAIN. THEY SAID THEY COULDNT SPEAK WITH MY DAUGHTER WITHOUT MY CONSENT CAUSE I WAS GETTING VERY ANGRY, THEY SAID IF WERE NOT THERE WHEN THEY CALLED THEY COULDNT SPEAK TO HER, I TOLD THEM SHE WAS MY POWER ATTORNEY AND THEY SAID I NEEDED TO SEND A COPY TO THEM I TOLD THEM I HAD ALREADY SENT IT BUT WILL SEND AGAIN I DID 3/4 MORE TIMES TEN THEY TOLD ME THAT THEY WERE AUTHORIZED TOI SPEAK TO ME AT A ; LL. DURING THIS PROCESS I NEVER SPOKE TO THE SAME PERSON TWICE THEY REFUSED TO TELL ME THEIR NAME OR EM, PLOYEE NUMBER WOULDNT LET ME SPEAK TO ANYONE OF SUPERVISORY OR MANAGEMENT THEY WOULD CALL ME BACK BUT ONLY TO HARRASS AND THREATEN ME TO GET OUT OF THE HOUSE .I NEVR HEARD FROM THEM FROM XX/XX/XXXX OR XX/XX/XXXX TIL XX/XX/XXXX RIGHT BEFORE THEY FORCLOSED And XX/XX/XXXX they auctuioned my home anD THE BANK THAT Mde the loan bought it back they said, now then the lawfirm got hnvolved i coudlnt t=even get thrught to the to plead amd explain that iwas not goiig anywhere they were illegally forcing me out, the loan was no good in the begining before was approved t due to 3 counts of foregrin my signature on documentation. i immediately called the UNITED STATES DEPT IF JUSTICE AND CFPB AND COMPLAINED AND PLEADED THEY ARE IN THE PROCESS OF INVESTAGATING THIS THIS IS MY SECOND TIME TO SUBMITT A COMPLAINT ABOUT THIS AND I AM FILIN I AM GON NA FILE FORGERY CHARGES AND FRAUD CHARGES AGAINST THE COMPANIES INVOLVED, CANT I DO THAT AND CANT KEEP MY HOME THE LOAN BEFORE EVER APPROVED WAS ILLEGAL ANYWAY, FORGERY OF MY NAME AND I SENT THEM ALL THEY ASKED AND THEY STILL SENT SOMEONE TO GIVE ME A XXXX AND TRY REMOVING ME FROM MY HOME. I HAVE COURT IN THE MORNING CIRCUIT COURT EVICTING ME OR TRYING TO, THE 3 COMPANIES INVOLVED ARE ONE REVERSE MORTAGE AND REVERSE MORTAGE SOLUTIONS AND XXXX XXXX XXXX XXXX WELL AS THE LAW FIRM THAT IS TRYING OT EVICT ME REPRESENT THE XXXX XXXX.
07/24/2017	Yes	Mortgage Reverse mortgage	Trouble during payment process	WA 98226	Web
About three years ago the mortgagee, ( RMS ) Said I was short on my flood insurance amount. By the time I checked into it, they had paid the bill. I called and asked what I would need to do, and the person on the phone said, all I need to do was to send them a request for them to pay it. I questioned over and over and asked if it was for a short fall of the insurance amount. I was assured that they received a much better rate then myself. Well. I said if that is true, then if you buy it and you send me the bill I will pay that. They said they could do that, but I would have to send a letter stating that. I complied with that a sent the letter. Everything went along fine for a time, and then they sent a bill that was for more then what I was paying. So we went around and they sent to the Collection dept. So after two months I pickup up the old flood insurance, as they said they could reinstate. That left me with two months they paid for, so I sent the check. Well after that they still sent the foreclosure letters. I would call the number provided and they said, that it was no longer a problem. Great, so more letters, then certified letters. So I called again and they said there was just a delay. In searching, I found a new carrier that was half the price. and after many emails with the company ( RMS ), found that they would accept the new flood insurance company. Thought the problem was solved, as I have an email stating that the amount I was asking for from the insurer was the correct amount. you would think that would be good until it is due next year. Not so. I received a bill from them ( RMS ) starting that I owed {$11.00}, so fired a check right off and call the new flood insurance company to have it upped to the required amount. Sent it to the Insurance department of ( RMS ) and they acknowledged as the correct amount. But before, the check arrived, which was like a day, they Sent more letters. I called the collection department again, and they said, it was a delay. Then get more certified mail, then someone stops by and said they would like to take a picture of the outside of the house, which I said was OK, as we have been able to keep it up. More letters. so sent to the Insurance department that I have been dealing with at RMS and XXXX stated that she sent a letter that all was well and apologized and said that they should stop any problems. So the next evening I get a call from a local real-estate agent, asking if she could come over and take picture of the inside of the house. That is when I asked, if the company sending here was no-other then ( RMS )? reply yes. Nest day more letters. I just called the collection department. X/XX/2017 XXXX XXXX PDT, and the person that they refer to never answers, and it is always someone else. That was XXXX, she would not give me her last name, no employee number or anything of the sorts. She said that there is nothing owing. So asked to speak to a supervisor. Did that before and had to leave a message and number. They never call back. I just want the harassment to stop. Question ; they loan amount is getting up compared to value, do you think that because we are also getting up in years that they are trying to scare us? Thanks for the help XXXX XXXX
10/25/2016	Yes	Mortgage Reverse mortgage	Loan modification,collection,foreclosure	NJ 08043	Web
This compliant is in conjunction with Compliant # XXXX. I am XXXX XXXX XXXX XXXX of The Estate for The Late XXXX XXXX XXXX who passed away on XX/XX/XXXX. On XXXX XXXX, XXXX My mother XXXX and myself took out a reverse mortgage from XXXX XXXX Loans FHA CASE # XXXX. I have been totally XXXX and on Social Security since XX/XX/XXXX. I have lived in the home with my XXXX XXXX XXXX XXXX XXXX XXXX. Upon taking out the mortgage The XXXX representative told both and my mother we could stay in this home unitl the last of us XXXX either she or I passes away. The Loan officer us finding this our later had his ( wife ) do the borrower education because he said me or my mother were not intelligent enough to complete it. On XXXX XXXX, XXXX I went to closing not my mother. I signed all the necessary documents. The loan was then transferred to XXXX XXXX XXXX because XXXX XXXX XXXX XXXX was closed due to deceptive lending practices. I have been fighting with a church member assistance since a XXXX XXXX from XXXX XXXX XXXX told me the what The XXXX employees represented to us was not true. I am XXXX so was my mom at the time we took this mortgage in XX/XX/XXXX. The XXXX Loan Number was XXXX. XXXX XXXX Account Nuber was XXXX. I filed complaints with The FHA on XXXX/XXXX/XXXX. I filed a compliant with The N.J. Department of Banking and Insurance on XXXX/XXXX/XXXX Compliant ID # XXXX compliant with The F.T.C all of which were unanswered. I was told it was still under investigation y the Servicing lenders at the time. I was told everything would remain on hold because there were deceptive lending practices found internally in the file. I was told this by XXXX XXXX from XXXX XXXX XXXX who said XXXX XXXX XXXX owned The Loan not Reverse Mortgage Solutions. ( She is The V.P Quality Team Leader with The Reverse Mortgaging Servicing Department for XXXX XXXX XXXX. In XXXX XXXX I received a foreclosure Compliant. I called XXXX XXXX with Reverse Mortgage Solutions. She stated to me the easiest way to keep me from becoming homeless was get my little sister and her husband to move in with me and buy the home for XXXX % of The Appraised Value. So XXXX XXXX and XXXX XXXX my sister and brother agreed to do this. I called and told her this. She said she would send an appraiser out and for me to deed the property over to my XXXX XXXX and my Brother in Law XXXX XXXX so that they could buy the house for XXXX % of the appraised value. After over months and month of finally qualifying for the mortgage from XXXX. XXXX XXXX XXXX in XXXX XXXX, XXXX XXXX # NJ XXXX. They spend thousand of dollars qualifying getting the Trustees permission to purchase my mothers house. Then on XXXX XXXX XXXX and XXXX XXXX XXXX a phone call from XXXX XXXX The Loan officer with XXXX XXXX XXXX XXXX `` They are approved to buy any other house but this one '' Because FHA Refused to insure it. They also stated That FHA told The underwriting manager they did not know my mother passed. I and you can see from the file they well well aware of this from XX/XX/XXXX. This is another unfair deceptive lending practice according to XXXX XXXX from XXXX XXXX XXXX and Reverse Mortgage Solutions is trying to cover up Countrywides Deceptive Lending practices.
10/18/2019	No	Mortgage Reverse mortgage	Trouble during payment process	IN 474XX	Web	Older American
This involves Reverse Mortgage Solutions. They are the most deceptive Company I have Ever in my life worked with. First of all, they told us all kinds of lies when we got the reverse mortgage. There was admittedly one year when we fell behind on our hazard insurance and they went and got it and sent us a bill. However, we did not fail to pay our property taxes. Although they did not tell us that was part of the deal when we got the loan, we have always kept our property taxes paid. However, they paid our property taxes on XX/XX/XXXX, that were due on XX/XX/XXXX and then sent us a bill. Well, we went up to pay our property taxes on XX/XX/XXXX and the ladies in the courthouse told us they were paid and never told us who paid them XXXX they said we did and they are not the brightest ). We thought oh well, maybe we did. Come to find out, Reverse Mortgage had paid them and they sent someone to our house!!!!! Some lady came here taking pictures of our house saying she was sent to do an inspection. My son was here. We were not home! This happened one other time when we had supposedly not sent in the verification that we resided here. I called to see why they had sent someone here to take pictures and they said they were foreclosing because we were in default because we had not paid our property taxes! I of course was shocked! I asked them to send me receipts and they did. Of course it was obvious that they had paid taxes due on the XX/XX/XXXX on the XX/XX/XXXX. So, they paid taxes that were not even due! Then I got a call from a realtor stating that she wanted to do an appraisal and RMS had asked her to do it!!! Well, I called RMS last week to say that they should not have paid taxes that were not due yet and the girl said that they no longer had our loan and I needed to wait a week and call someone else who now had our loan. She said that we should have received some paperwork about a settlement from the CFPB because of false advertising and that they could no longer help me. I asked why we got a bill from them for over 3 thousand dollars and she said they had paid taxes and hazard insurance. I said we paid our hazard insurance and I told her that they paid our taxes before they were due and we tried to pay them. She said I needed to call this other place. Well, before I could call this other place, another lady showed up at our house today and said she was sent here by RMS to do a property inspection by RMS! I am so angry! Not only are they big liars but they constantly keep us upset. My husband has a bad XXXX and XXXX XXXX XXXX. He built this house and he is so worried that our children won't get this house because of all of their lies. I do have some understanding of the laws but some of the elderly people, I feel so sorry for. What is being done about this company. Aren't they responsible for paying some damages to us and some of these folks they have harassed and told all of these lies to? Can they just file bankrupcy and forget what they have done and continue harassing us? I am so tired of dealing with this company. I am certain this new company is just another company that they have renamed. Can you help us?
11/13/2018	Yes	Mortgage Reverse mortgage	Trouble during payment process	MT 593XX	Web	Older American
XX/XX/2018 a hail storm damaged the properties roof, homeowner filed a claim with his insurance provider, check was written from insurance company out to homeowner and mortgage carrier. Mortgage carrier asked for the check signed by the homeowner and the homeowner complied with that request. Reverse Mortgage Solutions has taken money from an insurance claim back in XX/XX/XXXX and still hasn't released the funds to start the project. The contractor has submitted everything necessary to have the funds released and has jumped through all the hoops back in the beginning of XX/XX/XXXX. RMS, has said multiple times that they will have the check out in the mail within 5 business days. XX/XX/2018, while on the phone with a representative of RMS the contractor submitted via email the 3rd party authorization & agreement to release, XXXX, a signed contract, itemized estimate, insurance scope, contractors license, contractors insurance. XX/XX/2018, contractor called RMS and needed to resubmit the same info from the XXXX of the month because the info given to the contractor was incorrect ( internal claim # and email address ). XX/XX/2018, the contractor called RMS again to confirm that RMS received the email sent on the XXXX. The info was received by RMS and the representative said the funds were to be released in 5-7 business days. XX/XX/2018, contractor called RMS to see if funds were released yet and they said a delayed occurred and it would take another 5-7 business days before the funds would get released. XX/XX/2018, contractor called RMS again and funds still haven't been released. Contractor asked to speak to manager, manager called back a few hours later and requested documents that were already sent in. The contractor told the manager of RMS to check the email sent in on the XXXX of the month and he would find it, manager of RMS found the documents and said the check would be in the mail in 5-7 business days. In the later weeks in XX/XX/XXXX the home owner and daughter called and RMS said the check would be in the mail in a few days and that they would have it in about 14 business days. XX/XX/2018, contractor called RMS asking for a status on the funds for the project, the funds have still not been released and that it will take another 5-7 business days before they can cut the check. The contractor then informed RMS that a new problem has developed because the company has delayed releasing the funds, a leak in a bathroom has started. A manager with RMS told the contractor that the home owner should file a claim with the insurance company. The contractor told the manager with RMS that the leak has developed because of the RMS 's negligence and that it isn't right that the homeowner should have to file another claim or pay another deductible because he did everything possible to mitigate the damage and move the project forward. In fact, the responsibility is on RMS because of the obstacles that they put in place in this process and their purposeful withholding of the projects funding.
10/28/2016	Yes	Mortgage Reverse mortgage	Loan modification,collection,foreclosure	VA 22310	Web
My dad died on XXXX XXXX, 2016. I am executor of the estate and heir to the home. I contacted his loan servicer, Reverse Mortgage Solutions, Inc on XXXX XXXX and was told to submit the letter of intent, death certificate, and executor letter. I was also told I had six months to sell with up to two extensions of three months each. I submitted all paperwork to RMS on XXXX XXXX. I decided to sell the home as there is enough equity left to do so. At this point RMS was very kind and understanding and they made the process sound quite simple - as it should be. As I continued to keep in touch with RMS and do all the endless tasks of executor their tone changed. I was told early on that the house could go into foreclosure " any day ''. I received comments such as, " what took so long '' regarding my auctioning of my parents belongings and cleaning up the home. The call center at RMS seems to play a good cop/bad cop routine and sadly they never give a straight answer on anything whatsoever. RMS had the home appraised on XXXX XXXX, 2016. I sent a request for a copy of the appraisal in writing via email to RMS on XXXX XXXX, 2016 after speaking with XXXX, and I was told they 'd have a copy mailed to me within 24 hours. Request sent again on XXXX XXXX, 2016. XXXX XXXX, 2016 I spoke with XXXX at RMS again requesting the appraisal. XXXX XXXX, 2016 - spoke with XXXX at RMS still no appraisal. I finally received the appraisal on XXXX XXXX, 2016. That 's 61 days to receive paperwork that I was told would be sent in 24 hours! I signed a listing agreement on XXXX XXXX, 2016 and sent a copy to RMS via email. I spoke with XXXX that day to verbally update RMS. Friday, XXXX XXXX, 2016 I received a Notice of Trustee Sale on the property that is scheduled for XXXX XXXX, 2016. Reverse Mortgage Solutions foreclosed on the property 4 months and 21 days into my alleged six months. I feel that Reverse Mortgage Solutions has violated my rights. I have been given no clear answers as to why they are not honoring the six month time frame and not honoring an extension on that time. I have done everything " by the book '' and in a timely manner. As of this week ( XXXX XXXX, 2016 ) I 've had a potential buyer see the home twice only to become aware of the published trustee sale and run away. I spoke with XXXX at RMS twice about the issue and he claims to be baffled by the move and claims to understand my frustration but has offered nothing in the way of a solution other than to say, " you need to get more buyers '' - a seemingly impossible task with the threat of imminent foreclosure on the horizon. I can not see how Reverse Mortgage Solutions has any legal right to sabotage my opportunity to sell the property and satisfy the debt. The whole thing feels like a bait and switch. I worked hard all summer to get a 30 year-old neglected home back in shape. I invested my own money. I did all this in a timely manner only to have Reverse Mortgage Solutions , Inc essentially steal it away.
03/24/2016	Yes	Mortgage Reverse mortgage	Loan servicing, payments, escrow account	CA 94127	Web
We obtained a Reverse Mortgage on our mother 's home via her living trust in order to provide her with in home medical care. Our mother passed away in XXXX. Our loan was sold to Reverse Mortgage Solutions for servicing. We notified Reverse Mortgage solutions of our intentions to complete the terms of the living trust and sell the house to pay off the Reverse Mortgage in XXXX. We were instructed by the representative of Reverse Mortgage Solutions that we would have three months to settle the trust and sell the house, and that if we could show the house was in process of being sold, we could have a three month extension to complete the sale if needed, for a total of 6 mos. We were also told in our HUD counseling session prior to signing the loan that we would have 6 months to settle the trust and sell the house. We settled the trust in XXXX and sent copies of the trust documents to Reverse Mortgage Solutions. We followed up via telephone and email to confirm the documents were received and informed representatives of Reverse Mortgage Solutions the house was being readied to go on the market and should be listed in mid XXXX. In XXXX we again notified Reverse Mortgage Solutions by email and by phone of our progress and requested a payoff statement for the loan in anticipation of closing the sale on XXXX XXXX. The Payoff statement we received states it is good until XXXX XXXX. During escrow in XXXX, the escrow officer requested a revised payoff statement as she could not accept our copy and needed XXXX sent directly to the Escrow Office by Reverse Mortgage Solutions. She was told it could not be sent before XXXX XXXX. We delayed the close of escrow to accommodate the schedule of Reverse Mortgage Solutions. The statement did not come on XXXX XXXX and when we called were told the loan was in default, and had been in default since XXXX, that Foreclosure procedures had been started, that they had received no communication from us regarding our intentions, and that once a property is in default, it is not possible to request a payout statement for a specific time frame. Our buyer needed to be out of their existing home by XXXX XXXX, and their approved loan expired end of XXXX. We spend one and a half hours on the phone talking to various representatives of Reverse Mortgage Solutions and all of them insisted they were not able to provide us with the payout document. We were trying to pay off the loan and they were the only obstacle to doing so, and they repeatedly and steadfastly refused to give us the document we needed that only they could provide. They said their records showed we had never contacted them to discuss our intentions or progress, but we have well documented our correspondence and conversations with the various representatives. They also claim we were notified we were in default, but we never received any notification that we were in default or that Foreclosure proceedings were in process neither in conversations, email or by post.
05/02/2017	Yes	Mortgage Reverse mortgage	Trouble during payment process	CA 94121	Web
This is a follow-up to a prior complaint I filed with the CFPB - complaint # XXXX . I filed that complaint on XXXX XXXX , XXXX . In brief, I am th e administrator of t he estate of my late mother, XXXX XXXX . She took out a reverse mortgage in XXXX with Reverse Mortgage Solutions , Inc . My mother passed away in XXXX XXXX , and I was name d administrator lat er in the year. In XXXX XXXX , the estate paid off the reverse mortgage, and paid more than was actually owed because Reverse Mortgage Solutions di d not give us a final payoff statement until foreclosure was imminent ; given this, to avoid foreclosure, the estate purposefully paid more than we had been told may be owed. This worked ; the estate paid the loan in full ( and then some ), no foreclosure occurred, and I have received the cancellation of the security deed. After the loan was paid, I contacted Reverse Mortgage Solutions several times, asking both for reimbursement of the overpayment amount and for an itemized explanation of some late-appearing charges on the eventual final payoff statement. The company ignored these requests, so I filed the XXXX XXXX complaint. On XXXX XXXX , XXXX , Reverse Mortgage Solutions replied to that complaint, and separately sent me ( as administrator f or my later mother 's estate ) a check for {$6300.00}, which apparently is intended to cover the amount the estate overpaid to pay off the loan ( which was {$2400.00} ) as well as the apparently changed calculation of costs and fees the company claims were owed. But I have several remaining questions. The company 's response now itemizes the costs allegedly incurred for 'corporate advances ' and 'outstanding fees and costs '. Initially, these charges are very different than those shown on the XXXX XXXX payoff statement, yet are offered as dispositive now without any explanation for the changes. Beyond this, the biggest line item under 'corporate advances ' is a charge for {$1700.00}, purportedly for taxes paid by RMS on behalf of the property owned now by the estate. Although the itemization does not specify what taxes were supposedly paid in this amount by RMS for the estate, it is the exact amount billed by XXXX XXXX , Georgia in XXXX for property taxes owed on the property, so presumably represents that amount. But the estate paid that bill. See the attached check, showing a payment in that exact amount by the estate to XXXX XXXX on XXXX XXXX , XXXX . Thus, RMS d id not pay that bill for the estate, and can not seek reimbursement for it from the estate. RMS owes that {$1700.00} to the estate. Once RMS responds to this point, I can address the other questions. Thank you again for your assistanc e in resolving this matter. XXXX XXXX
05/30/2017	Yes	Mortgage Reverse mortgage	Closing on a mortgage	CA 92679	Web	Servicemember
I am the administrator of my mother 's estat e. In XX/XX/XXXX , she took out a reverse mortgage on her home with XXXX . She passed away in XX/XX/XXXX . At the time of her death the reverse mortgage was being administered by Reverse Mortgage Solutions ( " RMS '' ). Upon her death, I promptly provid ed RMS with all requested documentation showing that I was t he administrator of her estate and advising them that I was selling the home. I provided a copy of the real estate listing agreement for their records. In XX/XX/XXXX , RMS tresp assed upon the property, and vandalized it by changing the locks and installing a lock box. When I enquired why this was done, no one at RMS could provide a reason. I incurred costs of {$230.00} as a result. I sent RMS a written demand for my costs, but have never received a response. In XX/XX/XXXX , a buyer was found for the property and an escrow opened. When the escrow company submitted a request for the payoff demand statement, RMS responded by issuing a Notice of Default and initiating foreclosure proceedings. Since the property was already in the process of being sold, with an active escrow, it would appear that the foreclosure was initiated simply to run up additional fees and costs. Although the estimated closing date of for the sale was XX/XX/XXXX , RMS submitted a payoff demand that calculated interest through XX/XX/XXXX . Not wanting to delay the sale, I agreed to pay the full amount of the demand, with the understanding that RMS would refund the unearned interest. RMS received the funds necessary to satisfy its demand on XX/XX/XXXX . When 30 days had elapsed and I did not receive a check, I contacted RMS about the refund of the unearned interest. I was told that they are not required to refund the interest. The payoff demand included a charge for " Corporate Advance of {$720.00}. I have not received a response to my written request for an explanation of or documentation for this charge. The payoff demand included a charge for " Outstanding Fees & Costs '' in the amount of {$2000.00}. RMS has not responded to my written request for an explanation of or documentation for the charge. Given that RMS administ ers and/or makes loans on reverse mortgages, the elderly or their legal representatives make up a disproportionate share of its accounts. From my experience it appears that RMS engages in unfair business practices, which include refusing to communicate or respond to inquires from its clients and/or representatives and adding unlawful fees and costs to its loan balances. While the amounts charged are not great, if RMS engages in this type of activity on a regular basis, the fees and costs collected from its thousands of elderly clients may be significant.
11/09/2020	Yes	Mortgage Reverse mortgage	Struggling to pay mortgage	PA 184XX	Web	Servicemember
The Summons and Complaint fail to meet the requirements of New York State Banking Law, Rules of the Courts of New York State, and other applicable laws, rules and regulations relating to residential foreclosures. That the bank paid the contractor for work it had not performed which the deceased repeatedly advised the bank of and, as a result of this failure the deceased caught on fire due to the contractor 's failure to upgrade the electrics as agreed in the reverse mortgage. That as a result of this electrical fire, the decease and her heirs suffered emotional and financial harm which may be permanent in nature. Despite the fact that the deceased, XXXX XXXX XXXX, made every effort to comply with the agreement regarding the repairs and the placement of funds in escrow, the plaintiffs are attempting to foreclose on the mortgage to collect the sum of {$430000.00} plus additional fees and costs from the deceaseds heirs and deprive them of the use and enjoyment of their home while still withholding the current contractors fees needed for the completion of the repairs on their home which the initial lender and its predecessor have held in escrow for over three years. Moreover, many of the required repairs which were caused by the contractor, XXXX XXXX XXXX XXXX who the Lender immediately paid without inspecting the property before making this payment, and in spite of XXXX XXXX XXXX XXXX failure to properly repair and complete the required repairs which were noted in the contract between the deceased, XXXX XXXX XXXX XXXX and the Lender. Furthermore, the Lender is still holding funds that were placed in escrow for the deceased to receive upon her signing the agreement with the plaintiffs predecessors in XXXX of XXXX. That the bank also failed to pay the deceased the money agreed upon in the reverse mortgage and without justification. That the bank improperly failed to inspect the work of the contractor in spite of several complaints by the deceased 's daughters that the work had not been completed or properly done even after acknowledging that it had been made aware of these matters by the deceased 's daughters. That the bank 's claims violated NYS and federal laws regarding usury and the Fair Debt Collection Act. That the bank continues to add illegal and inappropriate fees to the balance of the reverse mortgage. The bank also violates the Consumer Fraud Acts. The bank violated its agreement with the decease once it failed to pay her the agreed amount ; to inspect the work of the contractor prior to cutting the check ; and by failing to direct the contractor to complete and to do the agreed upon work pursuant to the reverse mortgage agreement. Finally, XXXX sold the mortgage to RMS Mortgage on XX/XX/XXXX.
02/14/2017	Yes	Mortgage Reverse mortgage	Loan servicing, payments, escrow account	TX 77071	Web
My husband 's grandfather had a reverse mortgage that was serviced by XXXX at the time of his death in XXXX. The home was left to us in his will. After sending in all the required documents to show intent to purchase the property, and all corroborating documents ( death certificate, warranty deeds, heirship affidavits, letter of intent, pre-approval from new lender, payoff request from title company and authorization to speak on the account from the executrix of the estate ) the loan was transferred to another servicer under the XXXX XXXX XXXX XXXX umbrella, Reverse Mortgage Solutions. Despite having been told these documents and authorizations to speak on the account would be transferred over to RMS, they were not. So, I resent every document to the new servicer. Now, I 'm being told conflicting information about how long the process of even getting authorized on the account will take. Also, we still have not received any new correspondence through the mail from the new servicer that would advice the estate of the status of the loan ( It was my understanding that the new servicer must inform you within the 15 days of the effective date of the transfer ). Since we are living here, we know it is imperative to be made aware the foreclosure status. Furthermore, as each day passes additional interest accrues, additional servicing fees accrue and there 's the possibility of it going into a foreclosure status without us even knowing ( which would result in foreclosure attorneys fees and other charges that should not be applied to the account ). We have done everything possible on our end as we could possibly do but without any guidance or communication from the new servicer we are getting no where. It is exceptionally frustrating when your proactive about saving a family home and a ) the servicer changes in the middle of the process with little thought given to whats in the best interest of the consumer for resolving the default. b ) not communicating with the estate what additional information is needed to advance the process c ) Stalling the servicing/payoff of the loan to increase interest, servicing fees and possibly attorney fees. It feels like Reverse Mortgage Solutions is where XXXX sends it 's loans to be foreclosed. All we are trying to do is payoff the existing mortgage balance but it seems like since were in an positive equity position and since they wo n't need to submit a claim on a deadline to HUD, they 're just dragging their feet to drive up the payoff. I 'd like to not be so cynical, but after looking at the deceptive trade practices of each entity that has been involved with this loan, I would be naive not to expect questionable ( or even unethical ) servicing.
05/31/2017	Yes	Mortgage Reverse mortgage	Trouble during payment process	TX 78230	Web
In 2016 in XXXX I found that due to circumstances beyond my control that I would be unable to pay the county taxes. Being in a Reverse Mortgage situation, I knew that this was part of the contract and before it became critical I called Reverse Mortgage Solutions ( RMS ) to get advice. While on the phone I was told no problem that they would pay the remainder of my taxes that week. For me this was a big relief since I knew that I was going to be on a long road with the medical issues I was/am still having. The taxes were not paid until the end ofXX/XX/XXXX of XXXX. The next thing I know I am put on notice that I must pay back the borrowed money or I could lose my home. I went through a legal aide at a local University. Thanks to two other resources they paid RMS back. My complaint is this RMS never would put you through to a supervisor and the communication was difficult. Every person you spoke with gave a slight difference in what was going on with my case. When RMS paid the taxes part of that money was from the last draw I had. They are now charging me an interest fee and administrative fees. My financial counselor tried talking to a person on the phone and got nowhere and then asked for a supervisor to call and to date no response. RMS through this whole process has been difficult to work with. Some examples telling us to talk to a certain person and that person never materializes. Sending back checks that were to pay them for they had to come in on the same day. Miscommunication on verbal and written statements, such as you have a draw you do not have a draw and my signature does not match. I would appreciate you looking into this matter so I can get closure. I will be enclosing the last statement and the one that shows I had a draw. I am going to be in a very difficult situation come XXXX and the taxes for I am going back in the hospital and do not know what to do as far as my RM. RMS charged fees in the amount of {$790.00} for inspections and appraisal that will need to be paid eventually. They are telling me they had no choice due to HUD regulations but to move quickly on the inspection and appraisal once they paid my taxes. However, they never communicated clearly that by paying my taxes my loan would go into default. I never would have asked them to pay the taxes if I knew this would happen. I do not feel I should have to pay these fees. Additionally, I now have a negative " Net Principal Limit '' which they can not clearly define what this means for me and I would like clarity around this.
04/10/2016	Yes	Mortgage Reverse mortgage	Application, originator, mortgage broker	PA XXXXX	Web	Older American
COMPANY # 1 : XXXX COMPLAINT : After many months of submitting required documents - documents that necessitated spending of my own limited retirement income, I received a letter that the application for reverse mortgage had been denied. REASON GIVEN : I had ( personally decided to ) cancel the application. I had NEVER cancelled the application ; particularly after spend my own money and time. Phone calls demanding clarification were never answered. COMPANY # 2 : Security 1 Lending COMPLAINT : After months of submission of required documents and after spending my own limited retirement funds bringing the property up-to-date for appraisal, I was told that my application could not go through unless I came up with {$20000.00} to allow Security 1 Lending to pay my ( 1 ) property taxes and ( 2 ) home insurance for the rest of my life. I told them that I was supposed to pay for home insurance and property taxes. The answer was no. I then got a letter from the company giving the following reason for declining my application : " Insufficient funds to close - Borrower not willing to bring funds to closing. '' On the contrary, I was willing, but did not have the money. I explained that to them. According to FHA/HUD, the borrower is supposed to pay property taxes and home insurance, and not the bank. It also defies logic and common sense to conclude that I would not be able to come up with {$5300.00} per year in property taxes and home insurance ( combined/total ) This figure has been obtained fro XXXX XXXX and XXXX XXXX officials. The total amount of mortgage payments to XXXX is {$15000.00}. Money saved through reverse mortgage would have been {$15000.00} - {$5300.00} ( in property taxes and home incurance combine per year ) = {$10000.00} ( aproximately ). The {$10000.00} does not include my XXXX retirement annuity income of {$XXXX} per year, at {$XXXX} per month, for life ). Documents to this effect were submitted to Security 1 Lending last year. After spending my own money in applying to to companies for reverse mortgage, only to be turned away, it 's heart breaking. I strongly suggest that pertinent information ( to determine eligibility ) should be gathered at the start of the application process so as to determine the eligibility of the applicant before the applicant waste time and money onmly to be denied after several months later. What is the use of a reverse mortgage if the applicant has to be required to spend {$20000.00} in order to qualify for a reverse mortgage? :
12/01/2019	No	Mortgage Reverse mortgage	Trouble during payment process	TX 782XX	Web	Servicemember
My XXXX yr old Mother signed for a Reverse Loan on a Home that was paid off. XX/XX/XXXX She made payments on this Reverse Mortgage. after filing Bankruptcy XX/XX/XXXX an she was told by XXXX XXXX XXXX She was to continue her payments. Our trustee XXXX XXXX XXXX discovered we wasnt to pay. Reverse Mortgage did nothing. My Mother passed XX/XX/XXXX. Reverse Mortgage filed a Automatic Lift an Stay. XX/XX/XXXX. We hadn't filed her Will. Judge Rule we simply Talk. They would not receive our Calls. From XX/XX/XXXX to XX/XX/XXXX.Mother had paid XXXX we told the judge were willing to sell the house but we want the XXXX applied to the balance I wrote emailed an faxed several letters XX/XX/XXXX an XX/XX/XXXX to RMS asking was they going to apply the money? their Attorney 's do not rec calls or talk to any one I was told. I rec a letter in XX/XX/XXXX an XX/XX/XXXX saying the was doing an Inquiry in to the situation. I never heard anything. I then rec a letter XX/XX/XXXX stating we would be foreclosed on XX/XX/XXXX. we then heard from XXXX XXXX 3 days later thru our Probate Attorney. I was told they couldn't foreclose because we was in Probate. an heirs are allowed 6 mos. 1 ) Reverse Mortage Solutions received payments they haven't acknowledged an attempted to Illegal Foreclose. 2 ) RMS stated in Court before the Judge XX/XX/XXXX. I could refinance the Loan. Not true. you can not refinance a Reverse Mortgage 3 ) RMS also stated they applied the XXXX ( while in Bankruptcy XX/XX/XXXX ) the money was applied to fees an interest. Not true. 4 ) RMS didn't honor my Mother ( XXXX XXXX XXXX ) wasn't to make payments heirs suppose to make payments. I rec monthly statements from RMS an alledging XXXX dollar loan. The balance is now XXXX. The balance clearly hasn't decreased with payments from XXXX. Im attempting to sell her home of 50 yrs. Im aware I must seek an Attorney. RMS is unethical, illegal. I personally have witness 5 people in our neighborhood that Reverse Mortage illegally took their homes. I would like for you all to inform them that what they've done Illegal. I would like a pay off statement with all payments attached Including RMS adding Insurance after they was informed WE had insurance I have Bank Statements etc. Please stop RMS from treating the Elderly an their families this way. Please contact me for forms receipts Bank statement whatever you need to confirm my accusations. XXXX XXXX excutator of Estate then Daughter. Email : XXXX Cell : XXXX XXXX XXXX XXXX XXXX
08/17/2020	Yes	Mortgage Reverse mortgage	Trouble during payment process	NY 10009	Web
Every year, the documents this company requires apparently get misplaced by them. For the last 7 or 8 years, they have requested a signed certificate of occupancy or proof of insurance 3 to 7 times per year. Each year, they repeatedly request proof of insurance and proof of real estate tax payment approximately 4 times in a row, despite the fact that I send these proofs each time.I have attempted to send documents by mail, fax, and email. In XX/XX/2020, I filled out the certificate of occupancy by hand and mailed it. Weeks later, I was accused of not having sent it. When I offered to send it by email attachment, a XXXX XXXX sent me an email request in XX/XX/2020. I typed into the .pdf of the certificate of occupancy and signed it by hand, then attached it to my return email. On XX/XX/2020, Ms. XXXX called to say that the date had to be handwritten in, not typed. I immediately emailed an attached 2nd copy with the date written in. A couple months after that, Ms. XXXX called to say she did not recognize my signature. It is my signature. She insisted I go to a notary. I explained that I did not want to go to a notary because of the Covid-19 epidemic. In XX/XX/2020, a XXXX XXXX from the company called me with the same demand for a signed certificate of occupancy. This time she told me to send a copy of my utilities bill attached to an email instead as proof of my occupancy. I did this promptly. Right before leaving for vacation about 3 weeks ago, I received a XXXX from said XXXX XXXX dated XX/XX/2020, demanding that I AGAIN sign the same Certificate of Occupancy. It offered the option of faxing my response but did not provide any fax number. I had to call the company to get that number, and then I faxed the same signed form, again, dated XX/XX/2020. I have uploaded 3 documents that show they received the same information on XX/XX/XXXX and XX/XX/XXXX. But they also demanded the same information 3 more times. To me, these constant repeated demands seem like harassment. A few months ago, the company went through bankruptcy. This behavior, demanding the same documents again and again, have increased since then. I live in my home and am never absent from it for more than a a month of two, during summer. No one else rents it. I feel that I am being harassed in a desperate attempt to foreclose on my property.
07/23/2018	Yes	Mortgage Reverse mortgage	Closing on a mortgage	SC XXXXX	Web
We mortgaged a home at XXXX XXXX XXXX XXXX in XXXX, South Carolina. We took out a reverse mortgage which was serviced by RMS ( Reverse Mortgage Solutions ). We put our home up for sale in XX/XX/XXXX. We decided to build a new home nearby. When it was time to occupy the new home, XX/XX/XXXX our XXXX XXXX property was not sold yet. We called RMS to tell them that we were moving out of XXXX XXXX and the property was still on the market. We were told that if the property was not sold in 12 months then RMS would take the property over. This is something we knew before we made this move. After that we were the recipients of some startling events. Twice there were ominous notes taped to our front door stating that this property was determined to be abandoned or vacant. The note said to contact XXXX XXXX XXXX XXXX about our mortgage. Even though we did not have any relationship with this bank I called the number provided. I was told that they had no loan with us and there must be some sort of a mistake. There was also a vendor phone no. I called that no. and asked them about the note. They said that they did not authorize that process and someone must have put the notice on our door by mistake. Then I got a call from an appraiser who wanted access to our home. He said that the reason was that the mortgage company had declared bankruptcy on our behalf and that the bank was taking the property over. I checked with RMS. They claimed that I told them we were abandoning the property. Once they understood that was not the case, we thought everything was going on as usual. At the closing when we sold XXXX XXXX on XX/XX/XXXX there were some charges added to our payoff. The two signs posted on our door cost {$20.00} each, an appraisal for {$400.00} was charged to us, a property inspection fee of {$740.00} and a title examination fee of {$380.00} were charged to us. I called RMS on XX/XX/XXXX, the day we got our payoff statement, and asked them about the fees. I asked why these costs were accrued in the first place. The answer was that RMS authorized them " because we could ''! I was told by RMS that I could protest the fees by sending them an email. I have consulted with my real estate attorney and he recommended going ahead with the sale and protest the fees after the closing. He did not offer any other suggestion.
10/17/2016	Yes	Mortgage Reverse mortgage	Loan modification,collection,foreclosure	CA 92886	Web	Older American
XXXX XXXX XXXX ( XXXX ) is currently assisting the above referenced client to review a legal matter. We would like to bring a matter to your attention regarding the Keep You Home California ( " KYHC '' ), Reverse Mortgage Assistance Pilot Program ( " RevMAP '' ). As you know Reverse Mortgage Solutions Inc. ( " RMS '' ) has agreed to participate with this KYHC program. Please find the attached KYHC website printout which confirms that your company does in fact participate with the RevMAP program. Further, the KYHC website confirms that in order to be considered for the RevMAP program the customer must contact their servicer to initiate the application. That said, on XX/XX/XXXX, the client and I were in contact with both the RMS Customer Service Department and the Asset Management Department. Regrettably, our call was transferred several times and was disconnected. Finally after numerous attempts we spoke with XXXX which identified herself as a Single Point of Contact in the Asset Management Department. We requested that an application for the RevMAP program be initiated as was required. XXXX did not know anything about the program, and did not escalate the matter to a supervisor. XXXX advised the client and I that we needed to initiate the process with KYHC. I note here that I have spoken with KYHC and they confirmed that the application for RevMAP must be initiated by the servicer. After speaking with KYHC we again were in contact with XXXX, and spoke with XXXX who informed us that we needed to contact XXXX XXXX in order for the application to be considered. XXXX then attempted to transfer the call to XXXX XXXX but instead disconnected the call. Please let this letter serve as a written request to initiate the RevMap Program application for my client. The XXXX request that you provide a list of documents that will be required for the application to be considered. Enclosed you will find a request for mortgage assistance application and supporting documents typically provided for a mortgage assistance application. If any further documentation is needed please contact the client or I directly at the below telephone number. The XXXX request that the Foreclosure process be cancelled or postponed to allow this review to be complete, and to avoid any and all duel tracking on the loan.
02/10/2021	No	Mortgage Reverse mortgage	Struggling to pay mortgage	WA 991XX	Web	Older American, Servicemember
Hello, This could also be under XXXX exploitation during a healthcare crisis. My dad signed on with Reverse Mortgage Services in the fall of 2014 right after his son died in the home on hospice and his wife died a year prior in the home on hospice as well. After my younger brother died in the home my dad also began to have symptoms and later that fall discovered he had XXXX XXXX He began XXXX that summer into fall. Somewhere inbetween his diagnosis and his XXXX XXXX began phone calls in the area and my dad was confused from XXXX and beginning signs of XXXX and lonely. He felt the salesman was like a friend. I didn't get involved until it was too late. My dad was stubborn but his confusion was evident and he also contracted another XXXX after beating the XXXX XXXX. His second XXXX was XXXX. He got much worse. I stepped in and came over when I could. I covinced him to do a durable with me and so I began to look into his many financial problems. XXXX was sent my durable POA which was drafted by an attorney. They refused to speak with me and charge my dad fees. I was working in the medical field and trying to also get my dad on VA benefits. My job was jepordized numerous times due to the stress and all the faxing and paperwork trying to stay on top of things. I hired a caregiver to live with my dad but still not having any luck with fees. I paid taxes and set up insurance on the home. I found out that they had hit my dad numerous times with insurance fees because they did't bother to verify the insurance was still in effect. Many threatening letters came but no information as to why. Then I decided to buy the house. At closing they slapped a {$1000.00} fee for an appraisal which I did not order. Plus another {$3500.00} estimated by the closing department. My loan was approved for $ XXXX less than the additional anticipated closing charges they slapped on my dad and I was never sent anything in detail until up to closing which is tomorrow. I still don't know what the other fees are for and why they were taking advantage of my dad like this. I sold my land in Idaho which I lost money on to buy my dad 's house so he could continue to live there. These people are predators who took advantage of a sick and desparate old XXXX war vet and they should be held accountable. Please Help!
06/30/2017	Yes	Mortgage Reverse mortgage	Closing on a mortgage	FL 32909	Web
In 2009 my grandmother obtained a short sale home for 5 % of {$140000.00}. She learned about reverse mortgage from the tv ads we have all seen about them claiming no payments, you can live in your home comfortably, and they are government backed ( being government backed is part of their deception, it 's not a government program like grants, or cash for clunkers, it means absolutely nothing, they sold our debt to XXXX XXXX XXXX, and XXXX XXXX XXXXXXXX claimed to be the original debt holder. ). The dvd they gave to explain their service says reverse mortgage is for people who want money ( i still have it ). What this company did was give an itemized sheet that says the principal amount was {$150000.00} and points out they will pay the old mortgage and even provide money for repairs. The closing papers mention a loan amount for {$270000.00}. That is a difference of {$120000.00} that no one in my family has seen a dollar of, but they ruined my grandmother 's credit for {$270000.00}, which raised the property taxes of the house to $ XXXX/year, the next door neighbor pays {$1500.00} and is n't even old enough for homestead. If the house was just short sold for {$140000.00}, which is the value, how could they take {$270000.00} from the house is a mystery. But let 's say the house is worth {$270000.00}. Normal banks offer 70 % of the value of a house which is {$190000.00}. So that would mean my grandmother had about {$52000.00} of accessible equity in her home. But instead they kept every penny, raised the taxes, paid the taxes that we could n't pay with money they stole, while charging us interest. They used this to say we were in default. We submitted a bankruptcy and the trustee worked closely with the mortgage company, the trustee even went as far as lying, and changing documents when we have transcipts to prove what they have done. The company is RMS ( Reverse Mortgage Solutions ) and the lender is XXXX XXXX XXXX XXXX. When we asked for relief, they told us they would accept no less than {$140000.00}, but remember they gave us no money and are holding {$120000.00}.
10/03/2016	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	NJ 08043	Web	Servicemember
My Mother passed away in XXXX. She had a reverse mortgage. My brother who is XXXX XXXX lived in the property with her when she took out A reverse Mortgage from XXXX in XXXX. The loan officer told XXXX them that who ever is last to die can remain in the property, They would not let my mother do the borrowers education they had the XXXX XXXX XXXX wife do it. My husband and I decided to move back into the property to pay of the 95 % of the appraised value so my XXXX brother would not be homeless. We contacted Reverse Mortgage Solution, they did the appraisal and gave us a pay off. XXXX from Reverse mortgage told us to put the deed into me and my husbands name. So in XXXX of XXXX we did that. We contacted XXXX XXXX at XXXX XXXX to obtain a mortgage to pay the {$200000.00} Reverse Mortgage in full. He told us everything was fine we qualified. He paid us pay XXXX appraisal fees. After 4 months of waiting we were told we do qualify to buy any home but my moms because its FHA and we should not have put the deed in our name. XXXX only did what the bank told us. XXXX XXXX with XXXX XXXX XXXX XXXX, NJ told us we were fine and to just ignore the foreclosure paperwork. Now as of this past Friday we were told we are approved o buy ny home but my mothers?????? because we switched the deed into our name in XXXX of XXXX upon the advice of XXXX with reverse Mortgage solutions. Now we are faced with being homeless along with my XXXX brother and XXXX XXXX XXXX child. I contacted XXXX XXXX office and spoke to XXXX of his aides. He advised me to file a compliant with your agency immediately to stop the foreclosure until this is fully investigated because Reverse Mortgage Solution still has XXXX unanswered copliants from XXXX Office that they failed to respond to. I have at least XXXX pages of correspondence to XXXX XXXX XXXX who then sold the Loan to Reverse Mortgage. The Original letnder was XXXX who defrauded my mother and XXXX brother now we are being misled by XXXX at Reverse Mortgage and XXXX XXXX at XXXX.
06/14/2016	Yes	Mortgage Reverse mortgage	Loan modification,collection,foreclosure	VA 23434	Web
I inherited a home from my grandmother after her death on XXXX XXXX, XXXX. She had taken out a reverse mortgage on the home before she passed, but when I notified the company about her passing they told me that I needed to submit paperwork to them. I immediately started the process of giving them whatever they needed from me and then they informed me that I to file the paperwork in court. I did so, and sent them all of the necessary documents at least four times, along with the notice of intent that was mailed to me ; stating that we intended to refinance the home. They never sent us back any correspondence, not even a pay-off request letter but started foreclosure proceeding in XXXX XXXX. I was told this from the law firm that they hired to do the auction sale. I received notice of this on XXXX XXXX, XXXX via certified mail from their attorney stating that the home was going up for auction on XXXX, XXXX at XXXX. That stated that they never received any paperwork from me, but I said that this is not true because if you never received anything from me, then how is it that the attorney that you hired to handle the proceedings knew that I was the executor of my grandmother 's estate? They could not answer this question. Then they went on to say that they could n't speak to me because I 'm not authorized on the account. Lastly, as of XXXX XXXX, XXXX I spoke to XXXX at Reverse Mortgage Solutions, and she said that they received some of the paperwork from me but not all of it. I told her that this is far from the truth and that I had just sent everything over again 3 times. XXXX copy certified, XXXX copy faxed, and the last copy regular mail. She then notified me that they would need a request pay-off letter from me, and a letter of intent, along with a request to stop the sale. I have again complied with everything that they have asked of me, but at this time I feel that they have failed to do what they needed to do to ensure that my grandmother 's home is saved. Can you please help me?
02/04/2017	Yes	Mortgage Reverse mortgage	Loan servicing, payments, escrow account	CA 95630	Web
My XXXX father took out a reverse mortgage through Reverse Mortgage Solutions. When he passed away, our intent was to pay off the loan. RMS never sent notification to the heirs providing the rules, our rights, and asking our intentions, which were to pay off the loan and keep the house. My sister was eventually able to get them to speak with her over the phone and obtain the paperwork to submit stating her intentions to pay off the loan and keep the home. Over several calls she received many different claims as to what paperwork they had or had not received. My brother, the executor, contacted them asking for the payoff amount and received a letter stating ~ $ XXXX. My sister, an heir who had moved into the house, after submitting her intention to purchase the home, contacted them many, many times requesting information about how to proceed and after much avoidance, they finally told her they would have the house appraised and someone would be in touch. We never received the appraisal results or notice that an appraisal had been completed, which is what my sister believed she was waiting for to proceed. Eventually, she found out the house was going to the Sheriff 's sale, but we had never received notification of foreclosure. At that point my sister went to a bank to get a loan for the house, and was told the house had been appraised by RMS for ~ $ XXXX. My sister had more than the appraised value available and went to the Sheriff sale to bid on the home. An RMS representative showed up to the Sheriff sale and placed a winning bid of over $ XXXX, nearly 3 times the amount of the appraised value. My sister lives in the home and has tried very hard to work with RMS to purchase the home ; RMS did not, in good faith, work with her or provide her with the information necessary to proceed with paying off the loan, surely because they would have lost over $ XXXX given the appraised value. The sale is set to be confirmed in court on XX/XX/XXXX, where my sister will contest the sale.
02/25/2019	Yes	Mortgage Reverse mortgage	Trouble during payment process	VA 23452	Web
My mother had a reverse mortgage on her home. She died, XX/XX/2019. Today will be one month from her death. I went to pick up mother mail and found a letter for requesting I contact them within 30 day. I just got the letter and it has not been 30 day. Yet, they have taken passion of the, change the locks and took some of the expensive items out of the house. Do the Reverse mortgage have the right to take my mom home without court notification? A notice posted and the date on the notices was XX/XX/2019. They went into packed boxes and took what they wanted. They set something to side, as if they were coming back to pick them up. I was in process of packing my mom items with boxed of stuff in the boxes. I would think, they would have call me since, I am her only child. The have all my information. There was someone still staying, so was lock out. I had been paying the taxes, Power, and insurance on property until I can get me a loan to buy my mom home. Should have the opportunity to sell my mother home or buy, but the reverse mortgage has taken over the property. What can I do? I just purchase carpet for the living and bed rooms. Also, she had a credit balance XXXX in XXXX, yet today I check and see that have been withdraw to pay on the home and there is a balance XXXX. What are my rights as her only child? I am willing to get a loan on because the city assessment is over XXXX and or get the house ready for sale, but that right has been taken away from me. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX, XXXX XXXX XXXX XXXX XXXX. However, I have not been able to get them on the phone. I want to buy and sell my mother and some from XXXX XXXX XXXX XXXX has taken position of the property. Can they perform an eviction without a Court Order and no formal posting? The letter was dated XX/XX/XXXX and I just got it. XXXX XXXX can be reached at XXXX XXXX. Please help. Company managing her money XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, TN. XXXX. XXXX XXXX XXXX XXXX XXXX
04/28/2016	Yes	Mortgage Reverse mortgage	Loan modification,collection,foreclosure	CA 96001	Web
In or about XXXX XXXX, I was XXXX program which XXXX. The boat that I was riding on for this XXXX race crashed and I suffered XXXX, which left me unable to work. I was able to obtain a reverse mortgage with XXXX at the time. I was responsible to keep up with the property taxes. I fell behind on my taxes with XXXX and they were gracious enough to allow me to pay {$210.00} per month until the {$7600.00} was paid off. After making two payments to XXXX, the loan was transferred to RMS. RMS refuses to acknowledge the payment arrangement I had with XXXX and is now threatening to foreclose on me. Two weeks ago when I called, I was informed that to avoid foreclosure, I would have to pay a lump sum of {$7600.00}. I sent RMS a chashiers check and they refused to cash it. They are claiming that they paid over a XXXX on XXXX XXXX, XXXX for my property taxes. However, I had paid the property taxes on XXXX XXXX, XXXX. I borrowed the money to pay off the balance DESPITE the fact that I was on a re-payment plan with XXXX and RMS refuses to acknowledge. Now, RMS mistakenly paid property tax which I already paid and they are refusing to stop the foreclosure process even though I jsut XXXX them a LUMP sum of {$7300.00}. Not only is RMS acting unreasonably but they are violating the agreement I reached with XXXX. Now they are going back on the amount stated to me that needed to get me out f foreclosure, I am XXXX I am over XXXX years old,, I am current with my property taxes and I just gave RMS a check for {$7300.00}. They made the mistake of paying a property tax in addition to what I paid. I am on a fixed income and I can not give them the extra {$1000.00}. Please tell them not to treat old and XXXX people in this manner. They could easily have worked with me so as to avoid foreclosure they have a lump sum of money and they want to throw this old and XXXX man on the streets when I have complied with every demand. Please help me XXXX bless you.
08/20/2018	Yes	Mortgage Reverse mortgage	Trouble during payment process	DC 20020	Web
LOAN NO : XXXX XXXX # XXXX XXXX : XXXX XXXX XXXX DECEASED ) PROPERTY ADDRESS : XXXX XXXX XXXX, XXXX, Washington, DC XXXX My father, XXXX XXXX, had a reverse mortgage on his home at XXXX XXXX XXXX, XXXX, Washington, DC XXXX in the approximate amount of {$210000.00}. XXXX XXXX passed away on XX/XX/XXXX. As his daughter and sole heir to the home, I was required to pay the balance of the reverse mortgage. As the home owner, I refinanced the home by taking out an FHA loan to pay off the reverse mortgage. My settlement took place on XX/XX/XXXX and {$210000.00} was disbursed to Reverse Mortgage Solutions XXXX XXXX XXXX via a wire transfer on or about XX/XX/XXXX. The total of {$210000.00} was based on a XX/XX/XXXX payoff instead of an XX/XX/XXXX payoff. XXXX failed to provide my settlement company with an accurate payoff statement in a timely manner. In summary, XXXX owed me funds XXXX interest refund ) based on the XX/XX/XXXX settlement date. XXXX issued a check in the amount of {$350.00} to the " estate of XXXX XXXX XXXX XXXX XXXX '' and did not issue the check payable to me instead. I am requesting that the check be issued to me instead. Please note that XXXX XXXX was previously XXXX XXXX ' financial XXXX. However, XXXX XXXX 's role terminated upon my father 's death. In summary, I personally paid off the reverse mortgage via the FHA loan refinance and the funds should be paid to me. Due to the fact that the check was sent to XXXX XXXX 's office, my privacy regarding details of the refinance was compromised. XXXX staff were well aware that I paid off the loan and should never have sent the check to XXXX XXXX who was not involved in the payoff of the reverse mortgage in any way. I am requesting that XXXX pay an additional {$640.00} to me for disclosing personal information to a party outside of the transaction XXXX XXXX XXXX XXXX. I am requesting a check for a total of {$1000.00} XXXX {$350.00} + {$640.00} XXXX.
03/26/2020	No	Mortgage Reverse mortgage	Trouble during payment process	IA 51501	Web	Older American
Reverse Mortgage Solutions left a message on my voicemail on XX/XX/XXXX at XXXX XXXX : This is XXXX at Reverse Mortgage Solutions a debt collector please call me back at XXXX. Reverse Mortgage Solutions in not a debt collector they have the mortgage on my home. This was all a scam being set up by a former employer a XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX, Iowa XXXX ; XXXX XXXX. XXXX XXXX owns the XXXX XXXX XXXX XXXX I used to work for here in XXXX XXXX XXXX XXXX. When I worked for XXXX XXXX 20 years ago, she recorded the numbers of two of my Visa cards and this is identity theft. She did not record these credit card numbers to steal money or goods from them she recorded them so she could harass with them. I have been unemployed for 18 years because of XXXX XXXX and these two Visa cards ended up with a debit collector XXXX XXXX. Because I have been unemployed for 18 years XXXX XXXX is the reason for this credit card debt. I submitted a complaint # XXXX to the cfbp on XX/XX/XXXX and XXXX XXXX was harassing then with these two credit cards and she has been harassing with these two credit cards for 20 years. On XX/XX/XXXX she was again harassing with this credit card debt at Reverse Mortgage Solutions. She was trying to make me think that RMS was going to foreclose on my home if I did not pay this credit card debt. What upsets me about RMS is that the employees at RMS let XXXX XXXX talk them into helping her set up this scam. Attached is a letter addressed to the postmaster at the XXXX XXXX post office that I am going to send to the USPS inspector General about this incident on XX/XX/XXXX. XXXX XXXX got the information that RMS had the mortgage on my home by tampering with the US Mail at the XXXX XXXX post office. XXXX XXXX has gotten away with tampering with the US Mail for over 40 years at the XXXX XXXX post office by manipulating the employees at the XXXX XXXX post office.
08/19/2015	Yes	Mortgage Reverse mortgage	Loan modification,collection,foreclosure	GA 30265	Web
My deceased mother had a reverse mortgage on her home and upon her death the contract required the home to be sold. As the her son and the Executor of her estate I listed the property with a XXXX in XX/XX/XXXX and the listing could be seen and verified through the XXXX service and seen on XXXX. Since XX/XX/XXXX there has been a qualified buyer for the property, all documents, procedures and financing has been submitted. The home was approved for a Short Sale by R.M.S ... ..Reverse Mortgage Solutions, the company servicing the reverse mortgage based on the current appraisal amount and current market value of the property. As of XX/XX/XXXX there has been an issue with the way RMS is handling the procedure with the pending sale. They have stopped communicating as they were with the Realtors for both the buyer and seller, the assigned representative that we were in touch with no longer responds to emails or returns calls. I have not been able to speak with anyone directly by phone and when I call the toll free customer service number and ask to speak to someone about the status of the case, the call is transferred to a recording that states the person you are trying to reach is unavailable, leave your name and account number and someone will return your call. This is what is occurring at the same time the buyer has submitted everything required and is ready to complete the purchase of the home. The second issue is with the letter I received dated XX/XX/XXXX from a local Attorney 's office stating that R.M.S. has filed a " Notice Of Acceleration and Foreclosure '' on the property and the Foreclosure sale is scheduled for XX/XX/XXXX. It now seems that R.M.S has lead me, the Realtors and buyer on that the sale was in process and a closing date upcoming, when in fact they were in the process of foreclosing on the property and simply stalling by not communicating.
07/19/2018	Yes	Mortgage Reverse mortgage	Closing on a mortgage	AZ 853XX	Web	Older American
In preparation to close on my property on XX/XX/18, I requested a payoff statement from Reverse Mortgage Solutions ( RMS ). It was emailed to me on XX/XX/18 indicating a payoff balance of {$120000.00} that would be good thru XX/XX/XXXX. Without notifying me, RMS sent payoff information to XXXX XXXX with an additional fee of {$540.00} added. I contacted Customer Service at RMS to ask why and was told I was in default. The rep couldn't tell me why, thought it might be an appraisal. When I told her there had been no appraisal, she next said I was in violation because I had not returned the occupancy verification letter. I told her I had, and she put me on hold, at which time the call was disconnected. I called back again and spoke with a different customer service rep with whom I had to start completely over. She told me that my letter had indeed been received, but that she still could not tell why I was in default. She said someone would be in touch with me by the end of the week. I asked if it could be taken care of sooner, as my closing was occurring Friday morning. She suggested transferring me to a supervisor, to which I agreed. Instead, I got someone's voice mail, on which I left a message at XXXX XXXX on XX/XX/XXXX requesting a return call. It is now XX/XX/18 and I've received no return call. I next sent an email ( also a fax ) on XX/XX/XXXX detailing my efforts to clarify this issue in which I requested a response. Again, it is now more than a week later and I've received no response. I have attached the text of this email. My closing officer at XXXX XXXX called RMS customer service on XX/XX/18 and learned that RMS had indeed received my correspondence, that my case is under review and appears to have some problem about insurance. Having heard nothing, I sent an email on XX/XX/XXXX requesting an update. No response.
01/30/2016	No	Mortgage Reverse mortgage	Loan servicing, payments, escrow account	NH 038XX	Web
secured a Reverse MTG in XXXX in XXXX was informed that our ins canceled and forced ins. of XXXX was charged to our acct. and that payment was expected. Telephone calls and faxes to XXXX XXXX, these included letters from our ins. agent and co. showing that our policy had n't expired since beginning in XXXX and that the Ins. CO. TAKES it 's payment electronically monthly. WE RECEIVED A CREDIT OF {$800.00} the amount of our ins. I told them a full credit plus expenses should be credited. XXXX another letter from XXXX XXXX telling us that {$1200.00} was due and payable by XXXX this was around the difference between what they charged us for ins, and what we paid. called Left message. XXXX/XXXX/XXXX another letter stating that unpaid ins. in the amount of XXXX has made the loan due and payable, if not pd. in 30 days. Called RMS XXXX XXXX explained everything, Faxed info to XXXX. XXXX/XXXX/XXXX called XXXX XXXX left message on voicemail " let me know if you received the fax info if you need anything else let me know '' XXXX/XXXX/XXXX spoke with XXXX asked about documents " waiting for confermation from the ins. dept. but we should be all set & receive a rebate ''. XXXX/XXXX/XXXX XXXX certified letters from XXXX, XXXX, XXXX XXXX atty. XXXX XXXX. we are still in breach of contract for failure to pay insurance. Faxed XXXX on XXXX/XXXX/XXXX and again on XXXX/XXXX/XXXX. Also called XXXX at NH. Banking Dept. Legal Div. XXXX at HUD forward written complaint ca n't do anything for me hire an atty. Called XXXX, on line application. Spoke with XXXX at XXXX. Spoke with XXXX @ XXXX go to XXXX Housing Counselor, XXXX at AHEAD Need certified reverse mortgage counselor that would be XXXX. Spoke with XXXX go on line national Consumer Protection Bureau she has had excellent results with them keep her posted she will see this to the end.
04/21/2016	Yes	Mortgage Reverse mortgage	Loan modification,collection,foreclosure	NY 11763	Web
My Dad got a reverse mortgage with XXXX XX/XX/XXXX. About a year or so later, XXXX went out of business and now XXXX XXXX XXXX was in charge and hired Reverse Mortgage Solutions as the servicer. My dad passed XX/XX/XXXX. I thought I would be able to purchase the home within a year due to a business deal I was involved with with my cousin but he fell ill and the project went on hold indefinitely. Then the company I worked for went out of business. XX/XX/XXXX received notice that the company foreclosed saying I defaulted by not appearing in court to answer. I was never served a summons to my knowledge and they have lied about how and who was served and have never been forced to prove service in a traverse hearing which I requested of the Supreme court. They never offered the house to me or my siblings at XXXX % of value, but instead after only 2 years since the inception of the reverse mortgage, were asking back over triple what they paid my dad, adding their own legal and other fees to the total. I filed a bankruptcy to stay the sale. Due to errors in filing pro-se, the bankruptcy was dismissed. During that time XXXX XXXX XXXX went out of business. I heard nothing on the case for 6 months, then I get a letter from Reverse Mortgages Solutions ( RMS ) the servicer, staying they are auctioning my house on XXXX XXXX, XXXX. I filed a Chapt XXXX bankruptcy with a lawyer who failed to get the stay which is nonsense since the stay is automatic. They auctioned it and bought it themselves. To summarize, they have attempted to evict me 3 times. Once I delayed it by fling a pro-se order to show cause but the judge did not even address that I was not properly served and my accusation that chain of title has been broken. They keep getting a free pass, no traverse hearing, no burden of proof of title. I believe fraud has taken place.
02/20/2017	Yes	Mortgage Reverse mortgage	Loan servicing, payments, escrow account	FL 33317	Web	Older American
In XXXX XXXX Borrower obtained XXXX funds in the amount of {$43000.00} from the Florida hardest hit to repay her reverse mortgage arrears. {$39000.00} was applied to the reverse mortgage default and an amount was placed in a set-aside account for future taxes and insurance. In a phone call on XXXX XXXX, XXXX RMS confirmed that {$7000.00} was placed in the set aside. Sometime thereafter RMS paid the renewal for Borrower 's insurance policy in the amount of {$3000.00} with funds from the XXXX set-aside. A balance of {$3900.00} was left in the set-aside. In XXXX XXXX Borrower 's property taxes were mailed out by the county property appraiser. On or before XXXX XXXX, XXXX Borrower called RMS and requested that funds from the XXXX set -aside ( {$3900.00} ) be used to pay her property taxes. RMS advised Borrower to submit her request in writing. On XXXX XXXX, XXXX Borrower faxed over the request as instructed and received a fax confirmation that her request was successfully transmitted. On XXXX XXXX, XXXX we called RMS and we were told that the information has not been received and in order for the taxes to be paid Borrower will need to fax another request. The customer service representative " XXXX '' was not helpful and pretty much told Borrower " we did n't receive your request. Too bad. Send another ''. Borrower is concerned because if the XXXX funds are not used before a certain date, which is fast approaching, the XXXX set-aside will be applied to her loan balance and will not be used for taxes and insurance as intended. This would be egregious and highly prejudicial to Borrower because she has had to give a mortgage to receive the XXXX funds and if the funds are applied to Borrower 's loan balance, she would not receive the intended benefit of the funds and will likely cause her to fall into default.
08/17/2019	Yes	Debt collection Mortgage debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	LA XXXXX	Web	Older American, Servicemember
Legal Staff of Reverse Mortgage Solutions: PLEASE STOP FORECLOSING ON MY HOME WE HAVE A SIGNED REPAYMENT AGREEMENT AND YOU HAVE BEEN ACCEPTING MY PAYMENTS Your company sure expedited foreclosure (SEIZURE NOTICE DATEXX/XX/2019 #XXXX) on my home of 20 years, simply because my signature was not notarized. According to RMS, this is a HUD requirement, which you did notify me, was now required on every document because my signing hand is XXXX. I am a XXXX year old woman. RMS's Legal Staff unreasonable and unexplained delay to issue a stop foreclosure letter, given that I am in compliance with all terms of my reverse mortgage, is causing me EXTREME XXXX XXXX which at my age is practically elder abuse. According to staff of the local law enforcement foreclosure jurisdiction,RMS legal staff has,for some unknown reason, not issued a letter directing them to cease the foreclosure process to sell my home. Why not? I am now in full compliance. Three weeks ago, I have sent, by USPS Certified mail, RMS the NOTARIZED payment agreement for the flood insurance premium with payments due. RMS has cashed the check for the payments due for the month of XX/XX/2019 and XX/XX/2019 RMS's delay in issuing the letter to the Sheriff of XXXX XXXX Foreclosure office is not only unethical and unprofessional, it is cruelly causing me, a XXXX year old woman, extreme emotional distress. Please issue the letter to put a stop on the foreclosure sale of my home. I realize that RMS, is located in another state, and so this lack of action potentially involves interstate legal issues that may also need to be addressed if you continue to refuse to do your job; and don't stop trying to sell my house out from under me when I have been in full compliance with your requirements for several weeks.
07/20/2020	No	Mortgage Conventional home mortgage	Struggling to pay mortgage	CA XXXXX	Web
RMS -- - LN XXXX -- - Loan Skey : XXXX -- - XXXX XXXX XXXX XXXX, XXXX CA XXXX -- -- XXXX XXXX -- -- -- We are having no end of trouble getting accurate and timely communication and information on a short sale. We previously had to file a CFPB complaint Case # XXXX in order to get an interior appraisal done, as required by the investor. That appraisal was completed on XX/XX/XXXX. I have called three times to ask what the value came in at, and to get a current counter offer. Each time I was told that we must produce a demand in writing to find out what the value is, and that our SPOC XXXX XXXX would be in contact to discuss. The last time we were told this was on XX/XX/XXXX, and I also left a voicemail for her. We have not had a response, and this violated servicing guidelines for this investor. The appraised value of the property is intrinsic to the process of a short sale and of an urgent nature as that is how approval or denial is in part decided. By withholding this information arbitrarily and refusing to communicate with us as the authorized 3rd party, RMS is violating CA 580e which requires prompt and clear communication in all processes of any loss mitigation effort. In addition, the representative that I was able to speak with on XX/XX/XXXX named XXXX told me to calm down when I in no way had raised my voice. Insisting that a servicer abide by all applicable law, state and federal, is not a reason to be condescending and combative. I would like the SPOC to contact me within 48 hours to discuss this short sale, its value and resolution to the issues along with their direct contact information. Attached is our Third Party Authorization and a copy of the previous CFPB complaint.
03/10/2021	No	Mortgage Reverse mortgage	Struggling to pay mortgage	CT 06704	Web
Dear Sirs : On XX/XX/XXXX, I received an affidavit from XXXX Law Firm, representing XXXX XXXX XXXX, XXXX, which holds the reverse mortgage on my home, telling me that this reverse mortgage, taken out by my father early in XXXX, was not covered by federal money, thereby leaving me unprotected from foreclosure or eviction action, protection guaranteed by the Coronavirus Aid, Relief, and Economic Security Act ( " CARES ACT '' ) of XXXX. I immediately contacted Reverse Mortgage Solutions, which keeps records of all reverse mortgages provided in America, asking for proof that my late father 's reverse mortgage was indeed covered by federal money. The company representative to whom I spoke asked me to send a formal request for this information, which I did in an e-mail of XX/XX/XXXX. I also sent a fax of a printout of this same e-mail on XX/XX/XXXX, and a registered envelope containing another printout of this letter to Reverse Mortgage Solutions, and have received receipts from Reverse Mortgage Solutions, proving that they have received each and every one of these requests, all legally completed and done in accordance with company standards, and was told that I would receive the desired -- and most necessary and vital -- evidence by early XXXX, XXXX, but I have yet to receive this most vital information. Whenever I call the company at XXXX, I am always told that the information will be sent to me, but I am still awaiting its delivery. I demand the information be e-mailed to me, as I have all of the evidence necessary to prove that my requests for it were indeed received by Reverse Mortgage Solutions , Inc., and requested entirely in accord with their demands for obtaining it.
02/28/2017	Yes	Mortgage Reverse mortgage	Loan servicing, payments, escrow account	CA 950XX	Web
Both parents passed ( Dad XXXX XXXX and Mom XXXX XXXX ) they had a loan with Reverse Mortgage Solutions. I first tried to get a personal line of credit against my home to pay-off my parents debt, and was not able to get enough money, therefore I put their house up for sale. I contacted RMS by fax ( they told me that was the only way I was to relay information ). I gave them the XXXX number and asked for any extension because they said they would foreclose and take the home. My parents owed $ XXXX, and the house sold for $ XXXX in XXXX XXXX. The Title company contacted them after I faxed my permission, and let them know their was a buyer and an offer. Then the RMS XXXX sent out XXXX letters addressed to each parent, and the Estate telling us they filed foreclosure paperwork. Once the house was in Escrow the RMS send paperwork to the Title company letting them know they were going to charge the estate : Release fee : {$58.00} ; Corporate Advance : {$600.00} ; Monthly Service Charge : {$33.00} ; Outstanding Fees and Costs for Foreclosure : {$1800.00} ( filed on XXXX XXXX ). The house closed on XXXX XXXX, and RMS was unwilling to wait 2 weeks. I would like RMS to pay back all fees except release fee ( {$58.00} ) and monthly service fee ( {$33.00} ). I was bullied and given so much XXXX to my life while dealing with the loss of both parents ( 6 months apart from each other ) - they were married for 65 years. I tried so many times calling, emailing and faxing to talk with someone to understand the loan and explain my situation on getting the house sold. My name is XXXX XXXX, Daughter and Trustee to the XXXX estate. My work number is XXXX ext XXXX ; cell number : XXXX.
12/04/2016	Yes	Mortgage Reverse mortgage	Settlement process and costs	FL 32967	Web	Older American
For over XXXX years I have had a reverse mortgage on my home at XXXX., XXXX, FL XXXX. In XX/XX/XXXX due to my wife 's XXXX XXXX I decided to scale down my house and vacate the home with the reverse mortgage. For XXXX years we have been trying to submit a short sale Application to dispose of this asset. Based on an HUD appraisal in XX/XX/XXXX we were told we had to sell it for {$600000.00}. We immediately obtained a buyer for that amount in XX/XX/XXXX and submitted all the sale documents etc. to HUDs contract bank. Both my real estate brokers, myself and lawyer attempted to follow up and got no response for several months that summer ( during which our XXXX contact left the bank ). Finally in XX/XX/XXXX we were Contacted by XXXX and told that even though we met the price set, the appraisal had expired therefore we had to resubmit the short sale package, losing our XXXX due to the six-month delay This we did twice in XX/XX/XXXX and have still not been able to liquidate the house. While the property not being occupied has deteriorated to a great extent in the XXXX years of non-occupation so I have spent about {$60000.00} in XXXX fees, taxes, legal fees, upkeep, utilities etc. over the XXXX years. I am XXXX and living on retirement funds and can not continue to keep up the empty home. Which will continue to disintegrate while interest in excess of the house net worth continues to increase. The bank : Reverse Mortgage Solutions Loan number XXXX XXXX XXXX Spring, TX XXXX XXXX. I seek Immediate relief from any responsibility for this home and require your help to expedite XXXX to approve our sales contracts XXXX XXXX XXXX current address : XXXX XXXX, FL XXXX
04/09/2019	Yes	Mortgage Reverse mortgage	Trouble during payment process	AZ 85023	Web
I am the court-appointed personal representative for my mother 's estate. Once I was appointed the personal representative in XX/XX/XXXX, I contacted Reverse Mortgage Solutions to request an extension in order to sell my mother 's property, which had a reverse mortgage on it. I was told by XXXX that because the loan is " old, '' they were unable to grant an extension without the house being put on the market immediately or having an offer already in place. XXXX informed me that if the loan was newer that I could just request an extension and it would be granted. I requested a copy of the appraisal that I was told was completed on XX/XX/2019. I never received a copy of the appraisal. This was requested verbally and through email at XXXX. I paid for my own appraisal of the property and decided to seek out investors for an all-cash, quick-close offer and kept RMS informed when I had an offer on the table and asked for another extension. My request wasn't even acknowledged. On XX/XX/2019 I requested a payoff amount through XX/XX/2019 and received it on XX/XX/2019, but I noticed that this company charged a {$720.00} fee on XX/XX/2019 for " Corp Adv- Prop Preserve Other. '' I contacted the company on XX/XX/2019 and asked to speak to a SPOC agent, as this was what I was told to do in the email with the payoff statement if I had any questions. I spoke to XXXX, who indicated that she could not tell me what the {$720.00} fee was for and that if I wanted to know that I would have to request that information in writing, but it could take up to 30 days for the company to respond. This company is incredibly unscrupulous and clearly lacks transparency.
09/11/2017	Yes	Mortgage Reverse mortgage	Closing on a mortgage	RI 02920	Web
We received a conditional approval to close on a short sale and have been trying to get the okay to close for 3 weeks. The bank is not accepting documents they requested, as Title Commitment, Municipal Lien Certificate, and final water bill as proof of what is outstanding on the property at the time of closing. I had to put notes all over the title commitment to show that everything they required is in this document. I have a months worth of emails to prove they are deliberately stalling this short sale closing, so they can foreclosure on the property and not pay out on the file they conditionally approved. We have provided everything required and requested by law and by the bank and they do not want to accept or honor the laws of the state of RI that this property is located in. It was apparent that these documents were not even reviewed. I had to go around the short sale department to the Tax Department because they said the MLC was n't sufficient in showing that 2017 taxes have n't been paid. they did this for weeks until i contacted the tax department and they sent the short sale department the same MLC that i submitted 3 weeks prior and confirmed that 2017 taxes have not been paid. this should have cleared things up for closing but the short sale department is still saying they need an invoice which was provided by our office and by their own tax department.I have the email chains as well, proving my complaint is substantial and these private lenders and private investors need to have guidelines on them so they ca n't do what ever they want to our clients and to consumers.
09/27/2021	Yes	Mortgage Reverse mortgage	Trouble during payment process	HI XXXXX	Web
I am a XXXX for estate who held a reverse mortgage since XXXX on his property. XXXX XXXX was the servicer then XX/XX/XXXX XXXX took over. You were instrumental in resolving the problem of the month in XX/XX/XXXX complaint XXXX. I sold the unit XX/XX/XXXX and was required to remit in full the amount listed on the payoff statement dated XX/XX/XXXX. On XX/XX/XXXX I contested {$6500.00} and {$1000.00} property tax erroneously paid was removed. Subsequently I received the XXXX statement and {$41.00} plus {$5700.00} charge which increased the loan balance was contested overpayment to {$11000.00}. which was transmitted to RMS XX/XX/XXXX. on XX/XX/XXXX supervisor XXXX XXXX told me payoff statements were an estimate and any overpayment would be refunded. On XX/XX/XXXX at XXXXXXXX CD {$410.00}, XXXX was transferred into RMS account. This weekend I received a notice RMS would no longer be servicing this account and would not be able to send checks after XX/XX/XXXX as XXXX XXXX XXXX would become the servicing agent. Today RMS customer services XXXX reiterated they would respond in 30 business days and after XX/XX/XXXX would not be servicing. Supervisor was not available. Since the loan has been overpaid in full, there is o longer a loan to service. What can I do to recoup the overpayment? I elected to satisfy the Payoff statement in order to complete the unit sale which recorded XX/XX/XXXX. How can I recoup the overpayment? Reverse mortgages are impossible to deal with, my sympathies to anyone else that must interact with them.
04/26/2017	Yes	Mortgage Reverse mortgage	Applying for a mortgage or refinancing an existing mortgage	CA 90275	Web	Older American
I am 77 years of age. My wife passed away in XXXX . I attempted to assume and become the qualified surviving spouse of a reverse mortgage obtained by my late wife on our residential real property through Reverse Mortgage Solutio ns ( RMS ). I w as told that in order to assume the reverse mortgage I would have to provide certain information and documents, including my marriage certificate, my wife 's death certifi cate, my identification ( drivers license and social security card ), and a copy of the probate Court Order awarding the residence to me. Although the Court hearing awarding me the proper ty was held on XXXX XXXX , XXXX , the Court Order signed by the Judge, awarding me the property, was not signed or entered by the Court until XXXX XXXX , XXXX . When I obtained the court Order and provided it to RMS, I was advised that it was too late and RMS had sc heduled the foreclosure sale of the property for XXXX XXXX , XXXX . During my dealing with RMS, none of their representatives ever advised me any deadlines to produce the documents. After being advised that we could appeal this decision, I had my attorney submit an " appeal '' letter, which we were later advised was a " waste of time '' inasmuch as RMS would not reverse its decision that I was ineligible due to missing the deadline to provide the documents mentioned above. My attorney as written a letter to RMS a nd XXXX XXXX XXXX . to try to get relief before my house is sold on XXXX XXXX , XXXX .
06/07/2016	Yes	Mortgage Reverse mortgage	Loan modification,collection,foreclosure	FL 33908	Web	Older American
Reverse mortgage solutions had my parents sign a mortgage they were not capable of signing in XXXX and also never provided and allowed them by law to take the mandatory XXXX seminar for reverse mortgages before signing paperwork not allowing them the opportunity to insure their mortgage. Also a banker went to their home after they had XXXX just recently been hospitalized from surgeries and had then sign paperwork while under the influence of heavy marcotics from their doctors and my father was not able to read and write and he was just told to sign anyway. My father told me before his passing he did t understand what the reverse mortgage was and what was going on and how my mother and father would have never signed it if they had understood what it was.they have refused sinc XXXX XXXX to provide me paperwork, to speak with me about reconstructing this illegal mortgage and refuse to provide all documentation my mother and father have signed. I have been refused and they respond with either silence or a crazy answer having nothing to do with what I requested dozens of times. They are purposely threatening and using intimidation tactics on behalf of their legal tepresentative who feels it is legal to add {$1200.00} weekly and sometimes twice a week to my parents reverse mortgage and call it corporate advances and refuse to give me any break downs of the " corporate advances ". They have also sold this low. After XXXX of my parents passed. They continue to do illegal things.
07/01/2019	Yes	Mortgage Reverse mortgage	Closing on a mortgage	CA 90660	Web	Older American, Servicemember
XX/XX/XXXX Loan amount : {$300000.00} The property was valued at {$640000.00} First of all the assessment value was very high in fact too high for the property at the time XXXX. The true property value in XXXX was closer to {$530000.00} which is a big red flag. The RMS reverse mortgage solutions. broker mislead an XXXX year old veteran who is now XXXX in XXXX. RMS false representations that the loan would not have to be paid back and his heirs would be able to live in the home in fact inherit the home without any fear of penalty or interest or having to pay back the loan. Which is not true, the loan must be paid once the owner passes away. The loan amount must be paid in full or pay 95 % of the assessed value of the home. The broker made the reverse mortgage sound very appealing adding there is no risk of losing your home at any time. Which is not true, if you default on the terms of the mortgage such as maintaining property tax, homeowners insurance and maintenance of the property you may lose your home. It will be very difficult nearly impossible to repay the loan in full to retain ownership which will result in having to sell the property to pay the entire loan amount. My elderly father was mislead with RMS false representations. He is now faced with his heirs not inheriting his home as he was reassured that would be possible. His wish was for his home to be an inheritance. Which regrettably is no longer a possibility. I hope this post may help others ...
10/02/2017	Yes	Mortgage Reverse mortgage	Trouble during payment process	NY 11203	Web	Older American
I have a reverse mortgage and I am being taken advantage of by my mortage company RMS Reverse Mortgage Solutions XXXX. XXXX XXXX XXXX, TX XXXX phone number XXXX account number LOAN NO. XXXX. -- I was advised by RMS that I owe RMS {$600.00} for a property tax bill they are " CLAIMING '' to have paid on my behalf. They are saying they paid check # XXXX which cleared on XXXX/XXXX/XXXX. -- I disputed the claim with RMS and submitted an appeal because RMS has never paid my property taxes because I have always paid my property taxes. My taxes are paid via my checking account which ends in XXXX. I also forwarded RMS my statement from the New York Dept. of Finance which shows my payment history from as far back as XXXX. All payments have been made through my personal checking account. -- I have had to appeal 3 times because RMS just simply denies my appeal with no justification or even any notification. I have to literally call and beg for an update and then have to appeal again. Every time I call RMS, I am met with disrespect, and harsh attitude as if I broke the law. I was advised that my loan is in default and RMS is trying to take my property unlawfully. -- RMS continues to deny my appeal simply stating that " YOU JUST OWE '' the taxes. I have asked all representatives I have spoken with for justification because my supporting documents come from the Dept. of Finance showing without a shadow of a doubt that RMS has not paid my taxes.
08/08/2016	Yes	Mortgage Reverse mortgage	Loan modification,collection,foreclosure	IL 60010	Web	Older American
My XXXX yr Old Mother is being Harased and Intimidated by RMS reverse Mortgage XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX by XXXX XXXX XXXX XXXX XXXX. She was in the Hospital and RMS was told this and Started Foreclosure proceedings. The reason was that she was not occupying the property. When she came back home she started getting the Notices. We were told to have her sign return the Occupancy Letter. There was never any occupancy letter ensclosed. Only form to surrender the Property and hand over the keys. The Loan Balance is XXXX K the Home is appraised at XXXX. This is predatory lending practices to take a large amount of equity away from an unsuspecting XXXX person. I can never reach XXXX XXXX hes always Not Available or out of the office. We get the letters sent by Special Delivery on Saturdays when there office is closed My Mother who is XXXX. This has been going on since XX/XX/XXXX. We have faxed over utility bills and a signed letter that my Mother resides at our residence. The Company has stated that the loan will be taken out of default and Reinstated but they refuse to send us anything in writing. Last weekend we received yet another letter again threatening foreclose for unpaid taxes. I have paid all the taxes current. The letter even states the amount owed for taxes is XXXX. But they keep sending the forms to let the property go to them so they can steal all of our equity.
10/02/2016	Yes	Mortgage Reverse mortgage	Loan modification,collection,foreclosure	NJ 080XX	Web
My mother, XXXX XXXX died on XXXX/XXXX/XXXX. Shortly before her death, she spoke with me as to her home which she purchased for cash in the XXXX. The property is located at XXXX XXXX XXXX XXXX XXXX. XXXX NJ XXXX. She wanted the property to go to me and my siblings. In the last stage of her life, my sister had to move in with her to take care of her. After her death, I assumed my sister would continue to reside in the home, so I did not pursue selling the property. On XXXX/XXXX/XXXX, I was served with a notice of intent to foreclose on my deceased mother 's property, with a notice that I had 30 days to dispute the validity of the claim or debt. The notice claims that there is a mortgage on the property and I am completely unaware of such. My mother is XXXX and spoke very little XXXX, and understood very little. She was also declining in XXXX and was approaching XXXX. Her driving priviledges were taken away, and she needed help to get by day to day I do not believe she knowingly signed any mortgage, and as such, I responded to the law firm on XXXX/XXXX/XXXX certified with return receipt. It was received by the law firm on XXXX/XXXX/XXXX, and I received NO response. I called them and was told they would get back to me. They never have, and I have called them repeatedly, they always say they will get back to me. I do n't know what else to do, and I am asking for help from you.
08/15/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CA 945XX	Web	Older American
I am being harassed by RMS Reverse Mortgage Services through whom I obtained a Reverse Mortgage last year. I have signed and returned three times, in the self-addressed envelope they provided, their letter of request for Certification of Occupancy. They continue to telephone me, threatening foreclosure. When I call them back, they insist they have never received my signed letters. Twice now they have left anonymous letters at my home, once entering my closed gate to leave it in my screen door, and yesterday a guest brought me another anonymous letter which was left on my front gate. Last week, in another telephone call from RMS insisting no signed letter of Occupancy has ever been received from me, I asked them to email a fourth such letter, said I would sign a fourth Certification of Occupancy, scan and return by email to RMS. Their agent agreed to email me the letter. I have received no such email, and yesterday 's delivery by my guest of their anonymous letter is the last straw. I have attached a copy of the first letter and envelope stuck in my screen door. I have excellent credit and should not have to put up with nasty phone calls and threatening letters. The only money I owe to RMS is the reverse mortgage they are accruing interest on each month, which will be paid if I sell my house or die.
05/06/2020	No	Mortgage Reverse mortgage	Trouble during payment process	FL 33186	Web
On XX/XX/2017, XXXX XXXXl filed motion for substitution of counsel on behalf of Reverse Mortgage Solutions Inc. The stipulation reflects that XXXX XXXX signed a consent to substitution of counsel as Vice President for Reverse Mortgage Solutions Inc. Florida is a Judicial State therefore every single document filed by a plaintiff, it is subject to defendant review and/or request specific information pertaining to the documents. At this juncture we are asking Reverse Mortgage Solutions Inc, to produce specific proof in that XXXX XXXX held the position of Vice President. Florida Department of Corporations does not reflect that XXXX XXXX ever held a VP Position with the company or any other job title. In Florida or any other State when you a held a position such as company treasury, president, assistant vice president, you must be on the record in order to be on Corporate bank accounts and have signing power to all and any documents. According to the Stipulation filed on behalf of Reverse Mortgage Inc, XXXX claims to be Vice president of Reverse Mortgage Inc, yet as mentioned before the Florida Department of Corporations does not have any record of XXXX XXXX. Where did Reverse Mortgage Solutions acquire this name XXXX XXXX? From a credit card promotion naming XXXX XXXX? We believe she does not exist.
06/27/2017	Yes	Mortgage Reverse mortgage	Trouble during payment process	PR XXXXX	Web
This is an ongoing problem with this company. The force placed an insurance policy on my mothers home for 300 % what is a typical rate. My mother who is XXXX was never told it was a forced placement and was misguided. Nonetheless, we accepted and are paying it by certified mail. To avoid this issue this year I personally obtained the insurance policy which has the loan number and company endorsement. We mailed it by certified mail to the company and to the insurance department. My mother has now received a new notification that her home will be taken since they have no documentation or evidence of the policy. We are trying to call. the phones are always busy. We try to fax as they said and the line is always busy. We call the call center and they redirect us to a phone line which is busy. Throughout the whole process my mother is worrying unnecessarily. They will not provide an email of anybody in the company. We have incurred in legal fees without any need since we have payed as stipulated. I even tried to contact through XXXX XXXX XXXX. XXXX XXXX XXXX, Executive Compliance Resolution Analyst at Reverse Mortgage Solutions , Inc. As you can see I am desperate for an answer or confirmation that I have followed everything they have said. This is not a well run professional organization.
02/16/2018	Yes	Mortgage Reverse mortgage	Trouble during payment process	NY 10977	Web	Older American
RMS ( aka Reverse Mortgage Solutions, XXXX, TN ) periodically tries to find ways of putting our contract in foreclosure. Most recently an attempt was made to justify this behavior by claiming that our home had been uninsured. First we where asked to prove that we had hazard insurance. Have you ever heard of homeowners insurance that didn't include hazard insurance? Our insurance company supplied the necessary proof. Then they came back with the claim that we weren't insured in XX/XX/XXXX. Again our insurance agent supplied the necessary proof. Two weeks later we received a certified letter informing us that we were now in foreclosure. We contacted the mortgage company on a conference call with our insurance company who informed RMS that they had sent all relevant proof by fax. The relevant proof has been sent again. It should be noted that the foreclosure document is dated XX/XX/XXXX. It was received XXXX. It made no sense to us the RMS would try to foreclose on an insurance detail that occurred in XX/XX/XXXX and that had never before been raised as an issue. This company has demonstrated a pattern of creating pretexts for harassment. It needs to be stopped and brought to the attention of relevant regulatory agencies.
07/11/2019	Yes	Mortgage Reverse mortgage	Closing on a mortgage	WA 993XX	Web
Contacted reverse mortgage company ( bank ) asking for the pay off on a loan after my Father passed away. I was told an appraisal was done. Appraisal was a `` drive by. '' No one entered the home. It sits behind a half acre of land. A `` drive by '' is not an accurate appraisal. Also, the home sits in a town that over 37 houses are in foreclosure due to a decline in employment. ( Oil field town. ) After speaking to a loan officer, I was told they were asking for the MAXIMUM amount they could on the home, not neccesarily what my Dad borrowed. Selling this house at their asking price is ludacris. I believe a law was passed in XX/XX/18 stating that they have to agree to let me ( trust holder or beneficiaries in Trust ) sell his house at FAIR MARKET VALUE. Asking for more than he loaned is not only unfair, but lying about the amount we owe is also unfair. No one will tell me what the pay off ( amount of reverse mortgage ) actually was. No one will do an accurate appraisal. No one will return my emails. Complete ridiculous and I'm sure a law is being violated here. I have rights to have complete and full disclosure to all information in order to try to sell and pay off the borrowed amount, not what the bank would like to make.
07/21/2016	Yes	Mortgage Reverse mortgage	Loan modification,collection,foreclosure	LA 70127	Web	Older American
I am XXXX. In XXXX my husband was ill and obtained about XXXX. Medical bills were high and we missed XXXX insurance payments which put us in force insurance. We paid this for about 1 year. In XXXX, four years later, we recieved a bill for {$4500.00} for those three months of insurance of which we had already paid into for one year. Then my husband died. We were both elderly, XXXX and on social security. I lost my husband 's income. On XXXX/XXXX/XXXX an XXXX reasonable accommodation request was sent to the mortgage company, the servicer and the attorney. It was considered an at-risk extension request instead of a reasonable accommodation request and was denied on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX XXXX requested that I send the reasonable accommodation request to the mortgage company again along with medical confirmation of my XXXX. This was done on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX a status was requested on the reasonable accommodation request and RMS stated that they did not have anything in the file from XXXX/XXXX/XXXX. So all was resent to XXXX and also to their attorney. There is a sheriff sale scheduled in one week on my home and I am not getting answers. I am being treated as though I never submitted my request.
11/02/2015	Yes	Mortgage Reverse mortgage	Loan modification,collection,foreclosure	FL XXXXX	Web	Older American
On XXXX XXXX, 2015 I received a letter from Reverse Mortgage Solutions , Inc. notifying me that my loan was in serious default due to lender placed flood insurance. I was originally notified of the flood insurance requirement in 2015. I am XXXX years old and live on a fixed income. The amount needed to bring my account out of default is listed on the letter as {$6400.00}, which will increase. I made several calls to Reverse Mortgage Solutions, Inc to get more information in which I was not able to get in contact with them until weeks after receiving this letter. The representative assigned to my account is XXXX XXXX XXXX Ext. XXXX. I looked through my documents and realized that this amount is extremely high and could have been reduced had the company paid attention to the ELEVATION CERTIFICATE that was made part of my initial response to them upon being charged for lender placed insurance. I had my daughter call to see if she could get information from them and am in jeopardy of losing my home in a matter of days. The representative spoke with me on XX/XX/2015 to confirm that it was okay for my daughter to speak on my behalf and since then my daughter has not been able to contact them.
06/16/2016	Yes	Mortgage Reverse mortgage	Loan modification,collection,foreclosure	TX 77053	Web
The estate of XXXX XXXX my mother, I complain to your co. back in XXXX 2016 of this year on RMS, Inc. After you sent complaint to co. XXXX XXXX XXXX state he was a Sr. Execution Resolution Analyst with RMS responded to my complaint. In letter he wrote that I could get my owe appraisal if I disputed the one did in XXXX XXXX, 2016. I did the appraisal after weather got better in XXXX because of all the flooding that had been occurring. In XXXX 2016 the appraisial sent them the knew appraisal. I spoke with a XXXX XXXX around XXXX XXXX, 2016 and stated the appraisal was coming out this week on Thursday XXXX XXXX, 2016. They stated in would take awhile to get the paper work done. Well on XXXX XXXX, 2016 I call to see if they received Appraisal, XXXX XXXX said it would that 24 hour well it was 24 hrs. He stated he would call me XXXX XXXX, 2016, which did and stated they received new Appraisal. And if they needed anything else they would call me and stated this was going back to Short Sales Dept. Well today is XXXX XXXX, 2016 I get letter from lawyers stating House is going in foreclosure. Never heard anything for Short Sales or XXXX XXXX or XXXX XXXX.
06/08/2017	Yes	Mortgage Reverse mortgage	Trouble during payment process	AR 72903	Web
XXXX XXXX XXXX XXXX TX XXXX was my mothers house. She did a reverse mortgage with reverse mortgage solutions before she died. When she died we reached out to reverse mortgage solutions trying to get details and pay off information to settle the account. We were told we were n't on the account. My cousin XXXX XXXX was on the account. We called with her, and still go no information. We wrote letters requesting pay off and still got no response. On XX/XX/16 Reverse Mortgage Solutions filed for foreclosure at the courthouse. We have again tried to contact them for payoff and been unsuccessful. Basically this company hired a 3rd party company to manage the property breaking into the property and removing the locks and switching them out so we now have no access to the house or the contents. We contacted the courthouse and explained we we knew they had filed for foreclosure but there was no date given, and they had never contacted us. According to the courthouse there has NEVER been any sort of contact made with us and no citations have been issued. There 's no foreclosure date on file. This company is trying to steal this property.
03/19/2018	Yes	Mortgage Reverse mortgage	Trouble during payment process	CO 80226	Web
Reverse Mortgage Solutions ( RMS ), XXXX TX/XXXX NC Re : Hail damaged roof ( Colorado ) My reverse mortgage is handled by RMS. My homeowners insurance paid immediately for the replacement of my hail damaged roof. However, RMS cashed and withheld the insurance funds for 2 1/2 months and required a boatload of documentation, making it impossible for me to pay my roofers upon completion for the roof replacement, which was completed promptly in XX/XX/XXXX. I didn't receive final reimbursement for my insurance payout monies from RMS until XX/XX/XXXX, at which time RMS deducted {$170.00} from my insurance payout to cover their own inspection charge. My roof had already been inspected and approved by the City, but RMS would not release my already paid insurance funds until they double dipped me {$170.00} for their own inspection. When looking online, I was horrified to find many senior citizens have been delayed or denied reimbursement from RMS for their homeowner damages. I don't understand how this can be legal for a reverse mortgage company to cash and withhold legitimate insurance company payouts on senior citizens ' homes.
04/04/2017	Yes	Mortgage Reverse mortgage	Loan servicing, payments, escrow account	IN 46205	Web	Older American
In XX/XX/XXXX, RMS Reverse Mortgage Solutions, ( Mortager ) after claiming non-receipt of a {$38.00} fee due them by me, XXXX XXXX, ( Borrower ) put my loann into default and started foreclosure proceedings and charged fees totaling up to approximately {$900.00} in administration and appraisal services. The {$38.00} had been received by their office as verified when Borrower called. During conversation representative stated that it was not clear or apparent why foreclosure proceedings had commenced, but records would be corrected. My loan is marked in default again in XX/XX/XXXX on RMS records. I was not given a reason as to why. Each year since the origination of loan, XX/XX/XXXX, RMS sends a tax letter regarding my mortgage account in XX/XX/XXXX or XX/XX/XXXX, instructing that my property tax payments late and to please pay. The property taxes for the mortgaged home are due in XXXX County, Indiana, each XXXX XXXX and XXXX XXXX, and have not been paid late any tax year. However RMS uses their own tax schedule to regard them as late before the property taxes for the property taxes are actually legally due in my county.
07/02/2017	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt is not yours	FL 327XX	Web
REVERSE MORTGAGE SOLUTIONS, INC keeps insisting they are in my financial business. Now they say They are BUYING ME INSURANCE AND CHARGING ME A FEE??? They have inserted themselves onto my homeowners policy as if they have some right to be there. They are removed every year. Now they have written me that they need to be " LOSS PAYEE '' on my business accounts. They are NOT A PART of my LIFE. They are like a tick burrowed in sucking blood from me and harassing an ID Theft victim that is elderly. I have the documents where my Insurance company removed them and XXXX REVERSE MORTGAGE , LLC they said they bought the " loan " from 10 minutes after I " signed for it. All baloney. I am attaching documents from my XXXX XXXX that parties were removed from my policy in XX/XX/XXXX-XX/XX/XXXX, the new policy and the deletion page. Same for XX/XX/XXXX-XX/XX/XXXX where REVERSE MORGTAGE SOLUTIONS, INC added themselves one again -- removed as soon as I saw, was sent new policy declaration page and the deletion of mortgagee page. Unbelievable for a company to be so ridiculous to scam money from elderly.
10/20/2017	Yes	Mortgage Reverse mortgage	Closing on a mortgage	CA 95603	Web	Older American
I contacted this company on XX/XX/XXXX in order to requests a payoff statement and a finance worksheet in order to reapply for a reverse mortgage. I did my original reverse mortgage in XXXX and a second in XXXX. The value of my home has increased significantly and I decided to do a third reverse mortgage, more as a precautionary move than necessity in case the market has a turn down as it did in XXXX. During the processing of this loan it was discovered that the deeds for the XXXX reverse mortgage were accidently recorded twice with XXXX XXXX XXXX 's XXXX. The deed # 's are as follows : XXXX, XXXX, XXXX, XXXX. The last XXXX deeds are identical to the first XXXX with the exception of the recording # 's. It makes it appear as if I have XXXX mortgages when I in fact have only XXXX. Until this is taken care of I can not sign off on my new loan. Everything on the loan is ready to go, and has been now for five weeks, with the exception of this issue. The last XXXX docs need to be reconveyed. The rest of the information is outlined in the attached letter sent to the Customer Service XXXX on XXXX XXXX, XXXX.
04/08/2016	Yes	Mortgage Reverse mortgage	Loan modification,collection,foreclosure	IL 60620	Web	Older American
I XXXX XXXX live XXXX XXXX XXXX XXXX Il XXXX have a mortgage reverse since 2008 in the amount of {$310000.00} lien mortgage. I was not given the opportunity for a counseling session. The mortgage lender has been working with me to get caught up with the taxes. I was under the impression to help me stay in my home. Then all of a sudden the mortgage company file for foreclosure against me and took my home and confirmation of the approving the sale is XXXX XXXX. I have been told to wait when in communication and had no idea that my home was been taken from me. I only received {$1000.00} per month and have not been able to pay a high tax for {$1800.00} per year when I am getting a XXXX freeze home owners exemption and homeowners exemt exemption. Their is some Mortgage Fraud going on. My taxes should not be this high. Its not fair for The Federal Housing Administration to pay off the loan that was insured and defraud the government when I am still alive. My taxes has been inflated. I only have until XXXX XXXX which is the confirmation of the sale. Something is wrong here. I am XXXX XXXX years old.
02/13/2017	Yes	Mortgage Reverse mortgage	Loan modification,collection,foreclosure	CA 93726	Web
My mother passed away XX/XX/XXXX and she had a reverse mortgage on her home. I am the sole heir to my Mother 's estate and live in this property. It is my desire to purchase this home under the provisions of the FHA reverse mortgage. When I notified the mortgage servicer Reverse Mortgage Solutions ( RMS ) ( XX/XX/XXXX ) and told them what I wanted to do, they had me fill out paperwork for them. I was never told that the home needed to go through probate by them. It was n't until late in the process that they informed me about the home having to go through probate. I have been approved for the loan to buy the home, but they have filed a notice of trustee 's sale and the house will be sold on XX/XX/XXXX. I have asked for a postponement but they have not granted my request. I have lived in this home since birth ( XXXX years ) and I do not want to loose this home as it was my Mother 's desire for me to have this property. Every time I call RMS I seem to get a different person which has also been very frustrating since they never seem to have documents I have sent to them previously.
08/03/2015	Yes	Mortgage Reverse mortgage	Loan servicing, payments, escrow account	NV 89139	Web
Reverse Mortgage heir payoff. My mother and Father have both passed away. The house is in need of repairs. I started moving things out of the house and making repairs. All roof and plumbing leaks have been repaired, but I have run out of time so I requested a payoff. Then I found out about an heir payoff and had to resubmit a request again even though I have the same name and they knew I was a son. The way I understand an heir payoff is it is the lesser of the loan balance or 95 % of the market value. The pay off I received is {$450000.00}. The new appraised value, even after market values in this area have risen and some repairs were completed is {$460000.00}. I understand the rules as 95 % of XXXX = XXXX which is less than XXXX. They insist that XXXX is less than XXXX so I need to pay the whole loan. This is beside the fact that it has taken a long time to get this information and interest keeps building. My brother believes he sent in a payback request back in XXXX 2014 with no response. Reverse Mortgage Solutions Loan # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX.
05/16/2016	Yes	Mortgage Reverse mortgage	Credit decision / Underwriting	VA 20109	Web
my sister 's house was foreclosed over {$3800.00} taxes she did n't pay in XX/XX/XXXX the mortgage company she was doing business with reverse Mortgage solution put a clause in saying she was responsible for pay taxes she paid XX/XX/XXXX up to XX/XX/XXXX and then reverse mortgage paid XX/XX/XXXX and XX/XX/XXXX XXXX or reverse mortgage solution office paid they gave one month notice the house was been auction a buyer came in put down {$20000.00} deposit we spoke to the buyer he agreed not to buy the house he just wanted his {$20000.00} deposit back reverse mortgage Solutions refused he was forced to settle or he will lose his {$20000.00} and my sisters court XXXX XXXX the judge will tell her to move out after 30 years she lived here she is retired XXXX years old she got her settlement papers so it 's hard to do any contact with the mortgage company XXXX XXXX way and they refused to give her any information is very difficult to work with we had we had a lawyer working on it too and he could n't get any information from the mortgage company order XXXX XXXX himself a rip-off
12/12/2017	Yes	Mortgage Reverse mortgage	Trouble during payment process	FL 32901	Web	Older American, Servicemember
My problem is with getting my insurance payment for damage suffered during Hurricane Irma. My insurance company has issued a check for over {$18000.00} for carpet and flooring damaged during the hurricane. Because I have a Reverse Mortgage thru Reverse Mortgage Solutions ( RMS ) the check is written to both myself and my wife, and to RMS. The damage is not structural, but for flooring and carpet damage by wind driven water intrusion thru our sliding glass doors. on our 8th floor condo on the East coast of Florida in XXXX, FL, RMS is going to require us to pay for the repairs and then they will reimburse us after we submit the paid receipts for the work done.They will graciously allow us to borrow the money from them which means I will pay interest on I until I die. If I had that kind of money I would not have need a Reverse Mortgage. Since our Insurance Co, has determined we should be allowed this money to pay for our repairs I am asking they be directed to sign the check and return to us. We will send them the paid receipts for the work completed..
11/02/2015	Yes	Mortgage Reverse mortgage	Loan modification,collection,foreclosure	NY 11221	Web	Older American
the reverse mortgage lender ( reverse mortgage solutions inc ) provides a procedure for the struggling homeowners to short-sale their property. ( short-sale letter exh XXXX ) stating that " Once the process begins, an associate will review your application and contact you within 5 business days to discuss next steps. '' FHA 's parent agency, the U.S. Department of Housing and Urban Development, also has guidelines for lenders handling short sales. we have submitted a complete short-sale package both by fax and email on XXXX XXXX, 2015 ( see exh XXXX ) only to be told that the package was lost by the lender. we have resubmitted that package on XXXX XXXX, 2015 ( see exh XXXX ) of which the receipt was acknowledged by the lender. despite the clear short-sale guidelines by the lender and XXXX XXXX Department of Housing and Urban Development the lender is not responding to short-sale requests and seems to be purposely dragging the process unnecessarily and causing the home-owner, who is a XXXX citizen, additional financial and emotional hardship.
02/22/2017	Yes	Mortgage Reverse mortgage	Loan servicing, payments, escrow account	NC 28715	Web
While trying to settle my father 's loan obligation with a reverse mortgage company through the sale of the property, loan servicing company repeated delayed providing a payoff statement. I have been provided erroneous information since the first day I requested information on the process. I fully believe this company is delaying payoff to benefit from foreclosure. The property is under contract and was to close XX/XX/2017 and as of this date XX/XX/2017 a payoff statement has not been provided ; my original request was send XX/XX/2017 at XXXX via fax and email. If I do not receive this payoff today the buyers attorney will be forced to return funds to their lender thus the sale of this property will not go through. While I have requested to speak to a supervisor, I have been forwarded to a voicemail ; I have emailed the supervisor and have received no response. I am being treated unfairly and my attorney is now involved. This lender will have caused me to lose the sale on this property and they will proceed with foreclosure activities.
05/15/2020	No	Mortgage Conventional home mortgage	Struggling to pay mortgage	CA XXXXX	Web
XXXX XXXX # XXXX -- - Loan XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX RMS has committed Valuation Fraud and also violated their servicing guidelines. They are refusing to do an interior valuation, claiming they are not allowed due to COVID restrictions. This is a XXXX. The appraisal industry in California has not stopped or shut down due to COVID. RMS is simply coming up with excuses to not review this file for a short sale, which is a violation of their servicing guidelines. Additionally they are trying to force a dead person to complete repairs on the property, which is an illegal request in a short sale. I understand the impact COVID-19 has had, however, the rest of the real estate industry has figured out a way to move forward, as have the rest of the servicers. At this point this is not a COVID issue rather RMS is just grasping at yet another excuse to not work on their files. This is a violation of their servicing guidelines. I want RMS to complete an interior valuation and review this file for a short sale.
10/29/2015	Yes	Mortgage Reverse mortgage	Loan modification,collection,foreclosure	FL 344XX	Web	Older American
I took out a reverse mortgage with Reverse Mortgage Solutions, in the amount of XXXX, XX/XX/XXXX. I was delinquent in my taxes and insurance, so they agreed to redo my agreement and let me pay them back monthly, which I did, faithfully, every month. I have been putting money in a savings account to pay this year 's taxes, and took out an insurance policy to cover the mortgage this past month. I had a verbal agreement with the woman handling my account to pay back the loans for the taxes and insurance. On XX/XX/XXXX, I got a letter in the mail from Reverse Mortgage Solutions, telling me that I needed to pay off the full amount of the loan, or go into foreclosure. I called the lady today, however she told me that her boss decided to not renew the loan, and instead asked for the full payment of the loan, or go into foreclosure. I am a XXXX, retired person with no job and no way to pay off this mortgage, which was not my original agreement in the first place. Every one of my conversations with my contact were recorded.
04/07/2017	Yes	Mortgage Reverse mortgage	Application, originator, mortgage broker	WA XXXXX	Web	Older American
In XX/XX/2012, my father ( now age XXXX ) applied for a reverse mortgage with XXXX ( XXXX ). The contact at XXXX, only known by his first name of XXXX, repeatedly told us ( I am his daughter, age XXXX ) that the house would remain in the family ( heirs ) until the last person died, which would be my sister who is now XXXX. My father recently contacted Reverse Mortgage Solutions ( XXXX ) who told him that the property CAN NOT be passed down to heirs - this information was a surprise to him and upset him greatly. After looking through the original documents, we found out that XXXX sold the mortgage to XXXX immediately after my father signed the documents ( on XX/XX/2012 ), something that was NOT pointed out to him. We would like XXXX to abide by the original agreement made by XXXX that the mortgage be passed down to first me and then my sister. ( I was XXXX when the contact was made in XX/XX/2012. ) Lenders case number : XXXX FHA case number : XXXX Respectfully, XXXX ( XXXX on documents ) XXXX XXXX, WA XXXX XXXX
06/23/2020	No	Mortgage Reverse mortgage	Trouble during payment process	OK 749XX	Web	Older American
XXXX XXXX VS. RMS XXXX, TX XXXX # XXXX ON XXXX XXXX XXXX XXXX. XXXX, OK XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX ON XX/XX/20 RSM RECEIVED A PACKET OF INFORMATION CONCERNING OUR LOAN. WE HAD NOTICE A ERROR ON THE SIZE OF REAL ESTATE XXXX ACRES VS, XXXX ACRES. I CONTACTED THEM ABOUT THE ERROR AND SENT TO THEIR ATTENTION A SURVEY SHOWING THE TRUE SIZE OF THE RESIDENCE. THEY SAID IN A RETURN EMAIL THAT THEY NEVER GOT THE MAILING DESPITE THE FACT THAT IT WAS SIGNED BY THERE MAIL ROOM PERSONEL. SEVERAL PHONE CALLS WERE MADE TO THEM WHICH THEY THEN REQUESTED THE " LEGAL DESCRIPTION '' ( WHICH WAS ON THE SURVEY ). THEY SEEM QUIET SHORT WITH ME & RUDE WHEN QUESTIONED AS I HAVE A BUYER FOR THE PROPERTY AND ALSO WANTED TO PAY THEM TO CLOSE THE LOAN. I WAS TOLD IN AN EMAIL IN ORDER TO GET A " PARTIAL REAL ESTATE RELEASE '' I NEEDED TO SHOW PROOF THRU A SURVEY THE SPLIT OF RESIDENCE VS. PASTURE. I SENT 2 MORE XXXX DELIVERYS TOTHEIR ATTENTION. I WAS INFORMED THAT A " XXXX '' SUPERVISOR WOULD BE CALLING BUT DID NOT.
02/16/2016	No	Mortgage Reverse mortgage	Loan modification,collection,foreclosure	MD 20854	Web	Older American, Servicemember
Reverse Mortgage Solutions, Inc. 's ( RMS ' ) foreclosure of a XXXX citizen 's home in Maryland was temporarily averted this past week. A short sale contract at full appraisal ( i.e. RMS appraisal ) was received but rejected by RMS and its greedy investors who choose to remain anonymous. We understand that the DOJ recently fined RMS and its parent entity XXXX for fraud, and it seems that they should be investigated for other improper reverse mortgage activities. Further, HUD should do a thorough audit of this account as it was previously handled by XXXX XXXX and XXXX XXXX XXXX, whose overcharges and statement discrepancies were noticed by the elderly owner of the property in question. The XXXX homeowner wanted to take legal action against the bank but was very frightened by unannounced visits and calls by intimidating, rude bank representatives. It is so sad that American taxpayers bailed out the banks so that they could torture and swindle XXXX U.S. Citizens.
01/12/2016	Yes	Mortgage Reverse mortgage	Loan modification,collection,foreclosure	CA 94010	Web
My father 's house had a reverse mortgage, serviced at the time of his death by Reverse Mortgage Solutions , Inc. RMS contacted me by telephone eight ( 8 ) days after my father 's death to request a copy of his death certificate. Once the XXXX had prepared the Death Certificate, I scanned it and sent it to RMS via e-mail. In the body of that e-mail I indicated my intention to pay off the mortgage through the proceeds of the sale of the house. I sent RMS a copy of the listing agreement with a local real estate firm for the sale of my father 's house five ( 5 ) months after his death. RMS acknowledged receipt of the listing agreement via e-mail. Less than six ( 6 ) months after my father 's death, RMS filed a Notice of Default with XXXX XXXX, starting the foreclosure process. I now face the possibility of RMS taking possession of my father 's house in two months, without having the opportunity to satisfy the mortgage through the sale of the property.
02/05/2021	Yes	Mortgage Reverse mortgage	Trouble during payment process	NJ 077XX	Web	Older American, Servicemember
Summer of XXXX and the Winter of XXXX Reverse Mortgage Solutions ( RMS ) Inc inaccurately and negligently claimed my primary residence was vacant. I both called and emailed the company on multiple occasions to correct this. RMS placed my loan in default due to a covenant on vacancy incorrectly. This error and 6 month period to not resolve resulted in listing my home online as foreclosed ( see XXXX and various online real estate platforms ). To make matters worse I was assessed a litany of frivolous and inaccurate charges. The company is highly unethical and has inept staff. Further evidence such as action take by the NYDFS and the Kentucky Dept. of Financial Institutions further demonstrates a persistent and pervasive series of control failures. The firm 's agents knowingly exploit older, federally protected classes ( I am a XXXX XXXX Veteran ). Expectation is compensation for decreased home sale value due to inaccurate listing as foreclosed.
03/09/2016	Yes	Mortgage Reverse mortgage	Loan modification,collection,foreclosure	NY 107XX	Web	Older American
I took out a reverse mortgage with XXXX about six years ago when I was having severe financial hardships. They paid off my first mortgage but did n't pay off my back due taxes of about XXXX XXXX dollars. They assigned the mortgage to XXXX Mortgage. I had a repayment agreement with them. Then XXXX bought the mortgage again and Reverse Mortgage Solutions became the new service provider. From the start they seemed to want to foreclose and not give me a new repayment agreement citing FHA rules. In the meantime, after getting my reverse mortgage, I was forced to file Chapter XXXX bankruptcy and was discharged. After much trouble I was given a new repayment plan by them that did not state that any further tax payments would void the agreement. I told them that I could pay them every month until my financial condition improved. They sent back my third payment back because they paid the 2015 taxes. They have now started the foreclosure process again.
06/08/2018	Yes	Mortgage Reverse mortgage	Applying for a mortgage or refinancing an existing mortgage	MD 20901	Web
My wife applied for and received a reverse mortgage in XX/XX/XXXX and diedXX/XX/XXXX. I then tried to get " non-borrowing spouse '' status with the reverse mortgage company so that I can remain in the home that my wife and I occupied but the reverse mortgage company denied me. They first requested documents from me that they should have had like the insurance declaration page ( I sent that to them 5 times ) and then they asked for a Tolling agreement which I provided. They then said I need to make repairs to my home ( some of which were unfounded repairs ) and then they said they did an appraisal and the appraiser noted repairs inside my home but I had never met with an appraiser who would have had the opportunity to enter my home. They are now saying that I need to sell the home or take a deed in lieu. I have been treated unfairly by this company ( Reverse Mortgage Solutions , Inc. ) and I feel that they are denying me without just cause
09/24/2019	No	Mortgage Reverse mortgage	Trouble during payment process	FL 33950	Web	Older American
On XX/XX/XXXX we sold our home and the title company sent payoff funds to Reverse Mortgage Solutions , Inc . The payoff was calculated through XX/XX/XXXX. The funds were wired and they received them the same day as the closing ( XX/XX/XXXX ) and this was later confirmed by a customer service representative of Reverse Mortgage Solutions. The payoff amount provided to the title company included a disbursement of {$950.00} due to be made on XXXX XXXX which was the middle of the XXXX XXXX weekend holiday. SInce they received the funds on XX/XX/30 they never made the disbursement but were still reimbursed for it in the payoff. I have called twice and was instructed to contact their payoff department by e- mail and or FAX as they don't take phone calls. I did both several times and have still not received a response or refund of the overpayment of {$950.00} plus the extra 5 days per diem that they received totaling over another {$100.00}.
07/05/2017	Yes	Mortgage Reverse mortgage	Closing on a mortgage	AR 72903	Web
My mother opened a Reverse Mortgage with reverse mortgage Solutions before she died. We have tried since she passed away to get the pay off and settle the estate. This company WILL NOT give the CURRENT information regarding this property. We have asked for months. We are opening yet another case due to the fact that our other 2 c ases have been closed with no results. In XXXX they sent a packet with old pay off information from XXXX of last year. Again, we opened a case and received someone else 's case file. In this new packet, which was addressed to us there are lots of documents that could be used to steal someone 's identity. Upon further investigation, our file and proprietary information was mailed to someone else as well. This company not only is stealing interest off of our house, but they have major violations with the safe handling of our information. We have NEVER received in writing ANY CURRENT PAYOFF information.
05/19/2016	Yes	Mortgage Reverse mortgage	Loan modification,collection,foreclosure	NJ 081XX	Web	Older American
Hello, I am sending this email in the hopes of finding some assistance for my mother XXXX yr. old mother, XXXX XXXX XXXX My mother currently has had a reverse mortgage for the last 4-5 yrs. The mortgage company wants foreclose on the property because there was a lien placed on the property in the amount of {$27000.00}. The mortgage company paid the money without contacting her to find out if it was owed or before getting any information so now they started foreclosure proceedings. Obviously, my mother nor anyone in our family can afford to re-pay the {$27000.00}. I do n't know if this is legal. I have been researching to come up with an alternative to foreclosure. I thought possibly refinancing the reverse mortgage or negotiating a re-payment plan with the mortgage company but are in desperate need of any/all assistance we can get in attempting to delay or stop the foreclosure proceedings. Please Help if you can. Thank you.
02/14/2021	Yes	Mortgage Reverse mortgage	Trouble during payment process	TX 76904	Web	Older American
My house burned down XX/XX/2020, and Reverse Mortgage Solutions is holding my insurance money and will not release the funds for the house repair. I have provided all the information that they need in order to release the initial funds for the repairs. For over a period of four months, I have been negotiating with them to release the funds for repair. They still have not sent the funds, and keep saying the check is in the mail, for four months. They also said they stopped payment on one check, and are issuing another. I am stilling waiting for the funds. There have been issues with the agent in charge of my case. I have called numerous times, only to be given the run around every time. The ILV number of my case is XXXX. The agent 's name is XXXX, and his ID is XXXX. The total amount owed is XXXX dollars. The initial amount to be issued is XXXX, one third of the total, in order to start repairs to my house.
08/03/2016	Yes	Mortgage Reverse mortgage	Credit decision / Underwriting	TX 782XX	Web	Older American
We have a reverse mortgage with RMS Solutions out of XXXX tx. In XXXX we had hail damage to our home. Our home owners insurance sent us a check for the repairs in our name and the mortgage co. We sent the check with our signature to the company for their signature. They held the check for almost XXXX weeks before contacting us saying we had to get a signature guarantee from our bank or a notary. They then held the check for another 8or 9 days before returning it. We took it to the bank and had our signatures notarize and sent it back certified the same day. They received it on the XXXX XXXX 2016. We received a call on XX/XX/2016 saying now we need to have the contractor write a contract sign it along with our signatures stamped paid in full along with his XXXX form, then they would release their portion of the money. I fell the are giving us the run around, and we owe them nothing.
07/29/2017	Yes	Mortgage Reverse mortgage	Trouble during payment process	CA 90745	Web
On XX/XX/2017 my home had a water damage loss. Reverse Mortgage Solutions received the first insurance company payment in XX/XX/XXXX and a second in XX/XX/XXXX. They did not send payment for repairs until mid XX/XX/XXXX. They sent 30 % and told me the balance would be sent after repairs are completed. How can they expect 100 % completion with 30 %? Also the water damage invoice from XXXX has n't been paid. They completed their work in XX/XX/XXXX and now are threatening a lien on the house. RMS has asked for and received multiple copies of documents requested but keep saying that they do n't have them and then saying they need more documents and signatures they did n't ask for initially. Their delays have resulted in additional damages ( mold ) and additional living expenses. I have spoken with multiple people multiple times and never get the same answer twice.
08/17/2017	Yes	Mortgage Reverse mortgage	Struggling to pay mortgage	FL 324XX	Web	Older American
My husband XXXX XXXX XXXX have spent the last 9 years in court XXXX XXXX XXXX. They have tried to foreclose 3 times. The court records show I have life estate on the property, I have keep up the taxes, ins. and up keep. They pay the taxes before I can get there to pay them then give me a hard time when I try to repay them. I get flood insurance to the max for the property they then say I did not pay enough and try to foreclose, last year I had to send them an additional XXXX hoping they will leave me alone. Yesterday I got a form letter to fill out about the reverse mortgage today I got the same letter certified I sent the info they needed Now a real estate appraiser wanted to know when I could let him into the house I told him I have life estate for XXXX to contact me directly. I just need them to leave me alone. I am on a fixed income need help.
06/22/2020	No	Mortgage Reverse mortgage	Trouble during payment process	FL 33071	Web	Older American, Servicemember
On XX/XX/2020, a written request was faxed to Reverse Mortgage Solutions for them to send my insurance payment premium of {$970.00} to the insurance company. The funds were to be withdrawn from my XXXX XXXX XXXX, which currently has over {$1000.00} - more than enough to cover the premium. On XX/XX/XXXX, I received an email from a representative who was responsible for processing insurance request and it stated that she had been laid off the day before and suggested that I resend the fax, as no one might not have seen the initial fax due to her termination. On XX/XX/XXXX, instead of faxing the 2nd request, I emailed to XXXX. As of today XX/XX/XXXX, the insurance company has NOT received my payment and my grace period has expired along with the insurance policy. The request I sent in XXXX was processed but the request sent in XXXX was not.
05/17/2015	Yes	Mortgage Reverse mortgage	Loan modification,collection,foreclosure	GA 314XX	Web
I helped my mother get a reverse mortgage in XX/XX/XXXX and she died XX/XX/XXXX. They started Foreclosure procedures about 2 months after she died. I sent them letters ( before she died ) requesting to set aside the reverse mortgage because they failed to follow procedures with their paperwork as mandated by HUD. There were several forms required by HUB that she was supposed to sign that she understood this process. She never signed these forms and did not understand. It was the counseling mandated by HUD but was not followed. That company XXXX was the counseling agency authorized by HUD to do the pre loan counseling, they failed in this capacity. They tried to get me to sign some papers because I lived with her but I refused. They are scheduled to foreclose on XX/XX/XXXX. Therefore I am in immediate need of your help.
05/19/2017	Yes	Mortgage Reverse mortgage	Closing on a mortgage	NJ 074XX	Web	Servicemember
My father XXXX XXXX took out a reverse mortgage in XX/XX/XXXX. In total he received approximately {$350000.00} for his home on XXXX XXXX XXXX, in XXXX XXXX, NJ XXXX. He passed on XX/XX/XXXX. The buyout is currently {$620000.00}. The loan was originally with XXXX and now is served by RMS. First off the amount of interest charges seems very excessive. Secondly, he was told that we would have at least one year after his death to either sell or refinance the home. RMS has aggressively been trying to force me out and have repeatedly threatened with foreclosure and legal action. My father has been deceased for less than three months. As a result of their tactics, I have been forced to obtain legal council on my own. My attorney XXXX XXXX, who specializes in real estate has told me she has never seen anything like this.
08/28/2017	Yes	Mortgage Reverse mortgage	Applying for a mortgage or refinancing an existing mortgage	CA 930XX	Web
I assisted a client in obtaining a reverse mortgage XXXX years ago. XXXX was new at that time and my client was a few days late on a property tax payment due to life saving XXXX she was having so the lender at that time required her to have the XXXX account. She continued to pay her property taxes on time whereas the lender/servicer XXXX was late on her payments and just included the penalty from her funds. They also held {$60000.00} of her credit line funds in an account for future tax payments. We are attempting to refinance into a new reverse mortgage without the XXXX and XXXX is not going to refund the {$60000.00} of her funds back to her. They will not change the hecm to hecm worksheet therefore, the new lender will not make her a new loan. They ca n't just keep XXXX funds for no reason.
05/04/2016	Yes	Mortgage Reverse mortgage	Loan servicing, payments, escrow account	TX XXXXX	Web	Older American
Home damaged by hail storm XXXX/XXXX/XXXX. Check amounting to {$23000.00} received from XXXX XXXX on XXXX/XXXX/XXXX. Check forwarded to mortgage company RMS, XXXX XXXX XXXX, XXXX, TX XXXX, telephone # XXXX, Loan # XXXX, Date of funding XXXX/XXXX/XXXX. Property address XXXX XXXX XXXX, XXXX, TX, XXXX. Mortgage is a reverse mortgage. RMS acknowledges receipt of funds but will not release any funds to insured party. RMS also advises that only 50 % of funds will be released to insured party. No firm date is provided as to release of insurance funds. RMS also indicated payees on check will be Contractor authorized to perform repairs and insured parties indicated on insurance policy. Today is XXXX some 12 days after funds were forwarded to RMS.
10/22/2017	Yes	Mortgage Reverse mortgage	Struggling to pay mortgage	MS 38801	Web
REVERSE MORTGAGE SOLUTIONS IN XXXX TEXAS, XXXX N.C, HAS ADVERTISED OUR HOME TO BE FORECLOSE ON XX/XX/XXXX, XXXX XXXX XXXX, XXXX, MS , XXXX AND XXXX XXXX// THET SAID WE DID NOT SEND CERYIFICANT OF OCCUPANCY LETTER, AND PROFF OF RESIDENCY BY WATER AND LIGHT BILLS/HAVE LIVED IN THI HOME SINCE XX/XX/XXXX/HAVE FAXED DOCS 6 TIMES, MAILED LETTER 2 TIMES/ DIFFERENT CASLLS SAY THEY DID NOT RECEIVE THEM, OR WRING FAXES, OR WRONG ADDRESSES/TIME IS UP/MUST HAVE PROOF FORECLUSYRE HAS BEEN CANCELED, STOPPED/XX/XX/XXXX/XXXX XXXX, AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MS ,XXXX//EVEN GOT ANOTHER LETTER FROM RMS ASKING FOR CERTF OF OCCUPANCY LETTER/GETTING XXXX XXXX AROUND AND I SUSPECT FRAUD/THANKS FOR INMMEDIATE HELP ON MONDAY/XXXX XXXX XXXX
08/17/2016	Yes	Mortgage Reverse mortgage	Loan modification,collection,foreclosure	CA 90620	Web	Older American
Our mother had a reverse mortgage with Reverse Mortgage Solutions. My brother and I were told we had 6 months to sell and repay. If we showed good faith an additional 6 months would be given to us. We followed the rules, kept in touch sent in required docs etc. Our mother passed away XXXX, On XXXX we received notifications from the mortgage company that a Default for Foreclosure was recorded with XXXX XXXX. We have sold the house XXXX and it is currently in escrow ( pending ). We feel the Default was not necessary and it should be never have been recorded! We are hoping they do not try anything before the escrow closes! Can you help us? Can XXXX help us? We are also asking our XXXX XXXX for help also!
07/23/2016	Yes	Mortgage Reverse mortgage	Loan modification,collection,foreclosure	IL 601XX	Web	Older American
I was given a Reverse Mortgage by XXXX group in XXXX of 2009 six months after I purchase my home for {$50000.00}. XXXX group or Reverse Mortgage Solutions told me I could do a reverse mortgage for {$100000.00}. I have recently found out that they did a double mortgage on me for {$210000.00} back in XXXX of 2009. I ask Reverse Mortgage Solutions to send me over all documents related to this account in Fair Debt letter but they refused and file forclosure papers after I found out what they had done. Im a senior citizen and I think I may have been a victim of mortgage fraud my house was only worth {$50000.00} when I bought it and no house in my neighborhood as ever sold for {$210000.00}.
05/22/2015	Yes	Mortgage Home equity loan or line of credit	Credit decision / Underwriting	CA 93535	Web	Older American
It took XXXX months for the RM to go thru due to the Lender misinformation I had to notar sign documents XXXX I had to call my city planner because they then told me my townhouse did n't qualify. I spent hours on the phone myself doing their job That was wrong I own and paid for totally my home, the appraiser was XXXX hours late did n't take the pictures properly so I had to do that also. I recently had my daughter & granddaughter move in and need help so I asked for money from a line of credit which has XXXX XXXX and was told NO, I then ask for monthly payments and was told NO. This is insane to me I am not vacationing I am trying to take care of my family in this desperate economy.
12/20/2016	Yes	Mortgage Reverse mortgage	Loan servicing, payments, escrow account	TX 781XX	Web	Older American
I am filing a complaint regarding Reverse Mortgage Solutions, based out of XXXX, Texas. As the executor of my Mother 's estate I requested a payoff amount on XXXX XXXX, 2016 so we could close on the property on XXXX XXXX 2016. We have received no payoff information despite being told it usually takes XXXX to 10 business days. I have called many times in the past few days and have received no information on the timeline to receive the payoff. I have even been told I can not speak to the payoff department. Obviously our buyers are becoming concerned and now we are in danger of not being able to sell. All I want is for them to give me the amount we owe to close the property.
07/08/2021	Yes	Mortgage Reverse mortgage	Struggling to pay mortgage	FL 33155	Web	Older American
XXXX XXXX XXXX hit, forced place Insurance at time Borrowed filed a claim on the damages, structure damages only roof, walls, ceiling, floors in heavy rainstorms water comes in through the doors, windows, mold. XX/XX/XXXX Foreclosure documents default {$17000.00} on forced place Insurance. XX/XX/XXXX, we get call from adjuster lawyers office, stating they were not able to help with the claim based on borrow has no right to file claim on property. Present XXXX damages are worse, mold has gotten in closets, bathrooms, rooms, kitchen new cabinets are deteriorating from mold and now we are bound to mortgage lender and insurance company on behalf of all damages.
09/14/2016	Yes	Mortgage Reverse mortgage	Loan servicing, payments, escrow account	IN 474XX	Web	Older American
The lender did not send us the certificate of occupancy but instead sent someone to our residence to verify occupancy, not once, but twice!!! Then we received the form in the mail and they claimed they had sent it prior. They harrass us!! We had company! It was embarrassing! I think they want our home or something! They wo n't send us the form so my wife can speak on my behalf because she understands all of this fair debt and banking but I do not. They insist they have to talk to me. I am the borrower and she is the non borrowing spouse but if I say they can speak to her, why ca n't they. Why can they just randomly send someone to our house? This is our home!
07/21/2021	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was paid	HI XXXXX	Web
reverse mort default, debtor died XX/XX/XXXX unit vacant, covid court delayed naming me SUCCTTEE EXR 15 months, RMS took over property from XXXX XX/XX/XXXX. RMS granted covid extension to sell with equity until XX/XX/XXXX. After extension granted the RMS property preservation dept hired and asset management firm to secure the property removing my lockset and lockbox, blocking my access with notice XXXX XXXX XXXX XXXX is in charge. I need written notice my extension until XX/XX/XXXX is in effect and that I am the only one authorized to enter the unit.Their action caused my carpet installation XX/XX/XXXX to be cancelled and will delay the open house XXXX
05/04/2016	Yes	Mortgage Reverse mortgage	Loan servicing, payments, escrow account	CA 94547	Web	Older American
I have a reverse mortgage and the lender is trying to foreclose on me because for one month I had to go out of the country and I fell ill and they are claiming I didnt live there and they are also NOT willing to give me a payment plan to repay the taxes I owe in the amount of {$11000.00}. I offered a contribution amount and the rest in payments and they refused. I am XXXX years old on a fixed income, I am going to pay. For {$11000.00} they want to put an XXXX year old on the streets. Please do not allow them to do this, I have other friends and their reverse mortgage servicer allows them payments for when they fall behind. Please God Help me.
11/30/2016	Yes	Mortgage Reverse mortgage	Loan servicing, payments, escrow account	GA 315XX	Web	Older American
My mother 's home that is in a reverse mortgage caught fire in the kitchen. The home suffered smoke damage throughout ... There are two issues : 1. The contractor has not been paid by Reverse Mortgage Solutions , Inc . They are holding a check for over {$29000.00}. The check has been held for months. Obviously the contractor needs this and all future payments due immediately upon disbursement. 2. The insurance adjuster representing the Mortgage company did not include all work needed to make the home livable again. The adjuster needs to return and accurately assess all damage so the insurance company will pay for completed work.
05/25/2021	Yes	Mortgage Reverse mortgage	Closing on a mortgage	TX 75070	Web	Older American, Servicemember
My mother was misled into taking out a reverse mortgage on her home in 2008, at which time she was given a net amount to her of roughly {$12000.00}. She did not take any additional funds through the course of the loan against the original available amount. She is in the process of selling her home and has been told that her buyout amount is {$200000.00} - again she ONLY received {$12000.00} from RMS. Thus, the company is saying that the fees on this transaction are now {$180000.00}?? I am attaching all of the original loan documents as well as her current buyout statement. Nothing about this adds up. Please help!
11/12/2015	No	Mortgage Reverse mortgage	Application, originator, mortgage broker	FL 342XX	Web
My father was sold a predatory reverse mortgage XX/XX/XXXX by a company that is now defunct because of fraud. He also at the time was diagnosed with XXXX at the time he was forced into signing this loan. XXXX XXXX XXXX is now trying to foreclose and take the property. That property was given to him by his mother who has had the property since the XX/XX/XXXX. The house and property were paid off before the loan. He had no need for the loan and did not know where the money went. He recently passed away and I have XXXX sisters to whom this property was supposed to go to when he passed. We need help.
04/10/2019	Yes	Mortgage Reverse mortgage	Trouble during payment process	NV 89052	Web	Older American
XX/XX/XXXX, there was a charge of {$35.00} to my account for XXXX XXXX XX/XX/XXXX, there was another charge of {$35.00} to my account. for XXXX XXXX I was told that these charges were because I did not submit a CERTIFICATION OF OCCUPANCY in a timely manner. I explained to them that I did comply in a timely manner. I had sent them a CERTIFICATE OF OCCUPANCY in XX/XX/XXXX and sent them proof of my compliance. I asked them to give me back my {$70.00} and they refused. I have made numerous calls and emails to them and they will not respond or give me back the {$70.00}.
07/26/2016	Yes	Consumer Loan Title loan	Payment to acct not credited	WI 545XX	Web	Older American, Servicemember
This is a extension of a problem we have with Reverse Solutions , Inc. Our mortgage number is XXXX. We have done all we were requested to do. Paid the amount asked, acquired flood insurance and now there is a mix up on their end and we have XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, Wisconsin XXXX harassing us and threating to forclose on our home. We are XXXX & XXXX years of age respectively an in fragile health and yesterday I lost my sister. They were extremely rude on the phone and we would respectively like some action taken to stop this harassment.
08/04/2016	Yes	Mortgage Reverse mortgage	Loan modification,collection,foreclosure	CA 90262	Web
I HAVE BEEN ATTEMPTING TO SELL MY PROPERTY AND MY AGENT HAS BEEN SPEAKING WITH THEM AND THEY INITIALLY HAD STATED THAT THEY WOULD POSTPONE THE SALE DATE BECAUSE WE HAD A SOLID OFFER. TODAY WHEN MY AGENT SPOKE WITH THEM, A XXXX ADVISED HIM THAT THEY ARE NOT GOING TO POSTPONE THE SALE AFTER ALL. HOW CAN THIS HAPPEN? I WANT TO AVOID FORECLOSURE AT ALL COSTS. THEY WERE WORKING WITH ME IN THE BEGINNING AND NOW THEY ARE NOT WILLING TO. I AM HOPING THAT YOU CAN HELP ME STOP IT. THE SALE DATE IS SCHEDULED FOR MONDAY XXXX XXXX. PLEASE HELP.
10/03/2016	Yes	Mortgage Reverse mortgage	Loan servicing, payments, escrow account	GA 30078	Web	Older American
I thought I would start this process again as I have documentation that supports my view of this issue. I am being downgraded by Credit Agencies. I have written each and they all take the same view. If they do not receive monthly information form a real estate source they have no obligation to report anything positive or negative on a person. This discriminates against persons who have a reverse mortgage. In fact since you have to be over age XXXX to have a reverse mortgage it discriminates against XXXX.
09/22/2016	Yes	Mortgage Reverse mortgage	Loan servicing, payments, escrow account	OR 972XX	Web	Older American, Servicemember
My recently deceased mother had a reverse mortgage on her home when she died. The value of the home was close to the balance of the mortgage. In deciding how to deal with the disposition of the home the mortgage company offered us a {$3000.00} incentive to sign the house back to them quickly. We decided to do that but have never received the promised incentive. I 've called several times, sometimes speaking to someone, others leaving a detailed message and I 've not received any returned calls.
09/07/2017	Yes	Mortgage Reverse mortgage	Trouble during payment process	AZ 85140	Web	Older American
reverse mortgage solutions is refusing to return a home insurance check issue on my Name and the mortgage company that was issue do to repair a kitchen zinc water leak that destroy the kitchen cabinets, unless the contractor furnish a XXXX, which the contractor being a big corporation denied having heard of such request before, so the contractor could not issue the IRS form XXXX. so the check is in their possession for more than 2 months.
11/10/2017	Yes	Mortgage Reverse mortgage	Trouble during payment process	KS 670XX	Web	Older American
I have a reverse mortgage with RMS, Reverse Mortgage Solutions, with many addresses, two of which are printed on the monthly statement ( foot of statement address : RMS, XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX, XXXX ). On the XX/XX/XXXX statement ( see attached file ) the finance charge was {$170.00} and the XX/XX/XXXX statement ( see attached file ) finance charge was XXXX, an increase of {$41.00} in interest within 10 months.
01/13/2016	Yes	Mortgage Reverse mortgage	Loan modification,collection,foreclosure	TX 75077	Web
My mother died on XXXX XXXX, 2015. I am the administrator of her estate. She had done a reverse mortgage with the lender RMS ( reverse mortgage solutions ). We have given the lender everything they have asked for and we are currently trying to sell the home ourselves. However, the lender will not communicate to me what the timeframe is that we have to sell the property. Can you help us get this information?
01/25/2016	Yes	Mortgage Reverse mortgage	Loan servicing, payments, escrow account	IL 60634	Web	Older American
RMS my reverse mortgage servicer sent me a letter stating that I had to get credit counseling. Which I did with XXXX XXXX XXXX. They faxed my budget over to RMS and said I qualified for a payment plan for my taxes. They said they would sent me a payment plan and coupons. They never did and the next thing I received was a letter from a lawyer saying he was retained to initiate foreclosure proceedings.
10/04/2016	Yes	Mortgage Reverse mortgage	Settlement process and costs	TX 77532	Web	Older American
In or near XX/XX/XXXX, I applied for a reverse mortgage and was told that I was approved. I was to receive {$18000.00} cash back at closing. I received {$1800.00}. I was told on several different occasions from several different people from the XXXX XXXX XXXX and Reverse Mortgage Solutions that I would get my money but it 's not XX/XX/XXXX and I still have not gotten my money from the HECM loan.
05/10/2017	Yes	Mortgage Reverse mortgage	Struggling to pay mortgage	AZ 85255	Web	Older American
I was unable to pay the property taxes and flood insurance in XXXX of 2016 and asked the lender to pay it and give me a payment plan to repay it. Called numerous times, wrote many letters, received no direct response to my request other than letters telling me that since I was obligated to pay taxes and flood insurance and had not done so, they would put my home in foreclosure.
09/09/2016	Yes	Mortgage Reverse mortgage	Loan modification,collection,foreclosure	CA 958XX	Web
I have gone through the probate court and have Letters of Administration for my fathers estate. His home is currently in escrow, as of XXXX and the reverse mortgage company filed a default letter and formal estate sale proceedings in XXXX despite their knowledge that escrow was in place. I am the title company have had multiple contacts with RMS to keep them apprised of the process.
03/03/2017	Yes	Mortgage Reverse mortgage	Loan servicing, payments, escrow account	CT 06492	Web
Mortgage servicer does not correctly advise POA actions. Forms are not properly prepared to include POA instructions as a result forms can be sent in XXXX to 4 times before it is in the correct format they need. XXXX is a very common status with this mortgage servicer. As a mortgage servicer they need to get their at together. They are number at inconveniencing their customers.
11/20/2020	Yes	Mortgage Reverse mortgage	Applying for a mortgage or refinancing an existing mortgage	OK 749XX	Web	Older American
My reverse Morgage is on my residence only. I live in a rural area and found out that the appraisal was incorrect instead of 4.82 acres in residence it reflected 25 acres. Lendor RMS wanted me to submit a " PARTIAL REAL ESTATE '' releasement. The tax records agree with me 4.82 is the correct figure but when an appraisal was run to get a loan the error was submitted.
03/06/2017	Yes	Mortgage Reverse mortgage	Loan servicing, payments, escrow account	NY 10010	Web	Older American
I have a reverse mortgage that is now all used up. The interest rate I am being charged is supposed to be based on the LIBOR but is, so far as I can tell, higher. When I 've written to the company ( Reverse Mortgage Solutions ) to complain, they say the rate is based on the XXXX XXXX XXXX published rate. But that rate, as I understand it, is, in fact, the LIBOR.
01/20/2016	Yes	Mortgage Reverse mortgage	Loan modification,collection,foreclosure	OR 97754	Web	Older American
we have a XXXX mortgage for purchase with reverse mortgage solutions and they are threating foreclosure on a lapse in flood insurance of three months in 2014 due to fema of a total amount of XXXX dollars our flood insurance is XXXX dollars per year I am on a fixed income and can not pay the amount they are demanding
01/10/2018	Yes	Mortgage Reverse mortgage	Struggling to pay mortgage	TX 78028	Web	Older American, Servicemember
As a result of health conditions ( approx. X/XX/16 ), I was hospitalized and placed in a skilled XXXX facility. Reverse Mortgage Solutions views this as a violation of the vacancy clause and has reposed my home. When I visited my home recently, I saw a sign stating that my home was listed for sale.
06/10/2016	Yes	Mortgage Reverse mortgage	Loan servicing, payments, escrow account	TX 78249	Web
My mother had a reverse mortgage with reverse mortgage solutions. After she died we put the home up for sale we were supposed to close on the loan on XX/XX/XXXX we in order to pay off prior to that on XX/XX/XXXX and the lender placed the home in foreclosure on XX/XX/XXXX
06/29/2015	Yes	Mortgage Reverse mortgage	Loan servicing, payments, escrow account	TX XXXXX	Web	Older American
Reverse Mortgage Solutions, Inc. XXXX XXXX XXXX, 2015 I received this letter " Your failure to pay the property charges requires us to pay these expenses on your behalf. The total amount paid to date on your behalf, which you must repay is {$160.00}.
10/16/2015	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	AL 357XX	Web	Older American
i have a reverse mortage with reverse mortage solutionsI am on a fixed income they require me to pay XXXXper month to pay the premium I only receive XXXX permonthI have a home onwers policy and auto insuranceutilites and dr and XXXX bills
03/13/2017	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	NY 10573	Web
The lender has refused to postpone the foreclosure sale to allow the client time to refinance her reverse mortgage loan - They have not provided the client any resolution options prior to the XXXX sale being active.
10/19/2015	Yes	Mortgage Reverse mortgage	Loan servicing, payments, escrow account	FL 33484	Web	Older American
I have a reverse mortgage and am getting threatening letters that I can lose my home because I owe XXXX for property insurance even though I sent proof that my condo XXXX provides it.
04/05/2016	Yes	Mortgage FHA mortgage	Settlement process and costs	TX 77053	Web
Mortgage Company RMS that my mother had Reverse Mortgage with. Is trying to defraud family members who wish to buy Home back. Buy appraising home at more than it value.
09/29/2015	Yes	Mortgage Reverse mortgage	Loan servicing, payments, escrow account	PR 007XX	Web	Older American
XXXX letters sent to the mortgage institution in order to request the money is available, according to the monthly loan statement, and they did n't answer it.
05/26/2020	Yes	Mortgage Reverse mortgage	Struggling to pay mortgage	CA 920XX	Web	Older American
I have filed the complain few days ago Complaint Number XXXX I'm attaching the documentation to show how the RMS is been deceptive in sale of my home.
09/03/2020	Yes	Mortgage Reverse mortgage	Applying for a mortgage or refinancing an existing mortgage	MA 02780	Web	Older American
I am demanding that the Original promissory Note to be returned to me Now associated with loan number XXXX
09/29/2021	Yes	Mortgage Reverse mortgage	Struggling to pay mortgage	TX 76105	Web

09/23/2021	Yes	Mortgage Reverse mortgage	Trouble during payment process	CA 94015	Web	Older American

09/22/2021	Yes	Mortgage Reverse mortgage	Struggling to pay mortgage	GA 31523	Web

08/30/2021	Yes	Mortgage Reverse mortgage	Applying for a mortgage or refinancing an existing mortgage	GA 30457	Referral

08/17/2021	Yes	Mortgage Reverse mortgage	Trouble during payment process	CA 95070	Web

08/17/2021	Yes	Mortgage Reverse mortgage	Trouble during payment process	CA 92831	Web	Older American

08/04/2021	Yes	Mortgage Reverse mortgage	Trouble during payment process	CA 95203	Postal mail

07/30/2021	Yes	Mortgage Reverse mortgage	Struggling to pay mortgage	TX 79413	Web

07/26/2021	Yes	Mortgage Reverse mortgage	Closing on a mortgage	TX 79109	Web	Servicemember

07/19/2021	Yes	Mortgage Reverse mortgage	Trouble during payment process	KY 40291	Web	Older American

07/09/2021	Yes	Mortgage Reverse mortgage	Struggling to pay mortgage	CA 91350	Phone	Older American, Servicemember

07/02/2021	Yes	Mortgage Reverse mortgage	Struggling to pay mortgage	TX 75062	Referral

06/27/2021	No	Mortgage Reverse mortgage	Trouble during payment process	FL 33016	Web	Older American

04/16/2021	Yes	Mortgage Reverse mortgage	Trouble during payment process		Phone

03/26/2021	Yes	Mortgage Reverse mortgage	Trouble during payment process	GA 30161	Phone	Older American

03/08/2021	Yes	Mortgage Reverse mortgage	Closing on a mortgage	MI 49644	Web

01/27/2021	Yes	Mortgage Reverse mortgage	Struggling to pay mortgage	CA 90807	Web

01/08/2021	Yes	Mortgage Reverse mortgage	Struggling to pay mortgage	FL 325XX	Web

12/21/2020	No	Mortgage Home equity loan or line of credit (HELOC)	Trouble during payment process	CO 80221	Phone	Older American

11/13/2020	Yes	Mortgage Reverse mortgage	Applying for a mortgage or refinancing an existing mortgage	FL 33056	Postal mail

10/30/2020	Yes	Mortgage Reverse mortgage	Trouble during payment process	IL 60628	Phone

09/14/2020	Yes	Mortgage Reverse mortgage	Struggling to pay mortgage		Referral	Older American

09/10/2020	Yes	Mortgage Reverse mortgage	Trouble during payment process	OH 43065	Postal mail

08/07/2020	Yes	Mortgage Reverse mortgage	Trouble during payment process	MA 02780	Phone

08/04/2020	No	Mortgage Reverse mortgage	Trouble during payment process	GA 30022	Phone

07/23/2020	No	Mortgage Reverse mortgage	Trouble during payment process	GA 30046	Phone

07/18/2020	Yes	Mortgage Home equity loan or line of credit (HELOC)	Trouble during payment process	NJ 08854	Referral

07/17/2020	No	Mortgage Reverse mortgage	Struggling to pay mortgage		Phone	Older American, Servicemember

07/16/2020	No	Mortgage Conventional home mortgage	Struggling to pay mortgage	MA 02660	Web

06/07/2020	No	Debt collection Mortgage debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	OK 735XX	Web	Older American

04/22/2020	Yes	Mortgage Reverse mortgage	Trouble during payment process	NJ 08087	Phone	Older American, Servicemember

04/16/2020	Yes	Mortgage Reverse mortgage	Trouble during payment process	NY 13323	Phone	Older American

03/19/2020	Yes	Mortgage Reverse mortgage	Trouble during payment process	FL 32506	Web	Older American, Servicemember

03/10/2020	Yes	Mortgage Reverse mortgage	Trouble during payment process	NE 68901	Phone	Older American, Servicemember

02/22/2020	Yes	Mortgage Reverse mortgage	Closing on a mortgage	IL 602XX	Web	Older American, Servicemember

02/20/2020	Yes	Mortgage Reverse mortgage	Closing on a mortgage	CA 96150	Web

01/29/2020	No	Mortgage FHA mortgage	Struggling to pay mortgage	PA 19119	Web

01/13/2020	No	Mortgage Reverse mortgage	Applying for a mortgage or refinancing an existing mortgage		Phone	Older American, Servicemember

01/13/2020	Yes	Mortgage Reverse mortgage	Trouble during payment process		Phone	Older American

12/04/2019	No	Mortgage Reverse mortgage	Trouble during payment process	FL 33326	Web	Older American

11/27/2019	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage		Referral

11/25/2019	No	Mortgage Reverse mortgage	Closing on a mortgage	NY 12018	Web

11/08/2019	Yes	Mortgage Reverse mortgage	Struggling to pay mortgage		Referral

11/07/2019	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage		Referral

11/06/2019	Yes	Mortgage Reverse mortgage	Struggling to pay mortgage	TX 77706	Phone	Older American

10/15/2019	No	Mortgage Reverse mortgage	Trouble during payment process	CA 92582	Web

10/14/2019	No	Mortgage Reverse mortgage	Closing on a mortgage	SC 29494	Web

10/03/2019	Yes	Mortgage Reverse mortgage	Trouble during payment process	MN 55753	Referral

09/27/2019	No	Mortgage Reverse mortgage	Trouble during payment process	TX 76859	Postal mail

09/20/2019	Yes	Mortgage Reverse mortgage	Struggling to pay mortgage	AZ 85603	Phone	Older American

08/12/2019	Yes	Mortgage Reverse mortgage	Trouble during payment process		Phone	Older American, Servicemember

08/08/2019	No	Mortgage Reverse mortgage	Trouble during payment process	PA 19090	Phone

07/20/2019	No	Mortgage Reverse mortgage	Trouble during payment process	GA 30214	Web	Older American

07/10/2019	Yes	Mortgage Reverse mortgage	Trouble during payment process	PR 00926	Referral

06/27/2019	Yes	Mortgage Reverse mortgage	Struggling to pay mortgage	CA 90250	Web	Older American

06/26/2019	Yes	Mortgage Reverse mortgage	Trouble during payment process	NJ 07704	Postal mail

06/26/2019	Yes	Mortgage Reverse mortgage	Struggling to pay mortgage	NJ 07003	Web

06/25/2019	Yes	Mortgage Reverse mortgage	Closing on a mortgage		Phone

06/25/2019	Yes	Mortgage Reverse mortgage	Closing on a mortgage		Postal mail	Older American

06/19/2019	Yes	Debt collection Mortgage debt	False statements or representation Attempted to collect wrong amount	IL 60532	Web	Older American

06/17/2019	Yes	Mortgage Reverse mortgage	Struggling to pay mortgage	TN 37801	Referral

06/10/2019	Yes	Mortgage Reverse mortgage	Applying for a mortgage or refinancing an existing mortgage	PA 17307	Phone	Older American

05/31/2019	Yes	Mortgage Reverse mortgage	Trouble during payment process	CA 92591	Phone

05/30/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NY 14611	Referral	Older American

05/24/2019	Yes	Mortgage Reverse mortgage	Trouble during payment process	LA 70433	Web	Older American

05/01/2019	Yes	Mortgage Reverse mortgage	Struggling to pay mortgage	IL 60402	Web

04/30/2019	Yes	Mortgage Reverse mortgage	Trouble during payment process	CA 95404	Web	Older American

04/26/2019	No	Mortgage Reverse mortgage	Trouble during payment process	FL 32209	Web	Older American

04/24/2019	Yes	Mortgage Reverse mortgage	Struggling to pay mortgage	CA 902XX	Web	Older American

04/09/2019	Yes	Mortgage Reverse mortgage	Trouble during payment process	OR 97001	Referral

04/05/2019	Yes	Mortgage Reverse mortgage	Trouble during payment process	FL 32208	Postal mail

04/03/2019	Yes	Mortgage Reverse mortgage	Trouble during payment process	DC 20001	Web	Older American

03/29/2019	Yes	Mortgage Reverse mortgage	Struggling to pay mortgage	NC 28658	Phone

03/22/2019	Yes	Mortgage Reverse mortgage	Closing on a mortgage	CA 934XX	Web

03/20/2019	Yes	Mortgage Reverse mortgage	Struggling to pay mortgage	OR 97801	Referral

03/05/2019	Yes	Mortgage Home equity loan or line of credit (HELOC)	Struggling to pay mortgage	NY 12584	Phone

02/22/2019	Yes	Mortgage Reverse mortgage	Closing on a mortgage	NV 89701	Web	Older American

02/21/2019	Yes	Mortgage Reverse mortgage	Trouble during payment process	VA 20186	Referral	Older American

02/13/2019	No	Mortgage Reverse mortgage	Trouble during payment process	TX 77018	Web

02/07/2019	Yes	Mortgage Reverse mortgage	Applying for a mortgage or refinancing an existing mortgage	NE 68949	Web	Older American

02/05/2019	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt is not yours	NY 11701	Referral

01/31/2019	Yes	Mortgage Reverse mortgage	Trouble during payment process	KY 42413	Postal mail	Older American

01/22/2019	Yes	Mortgage Reverse mortgage	Trouble during payment process	LA 71105	Phone

01/18/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	SC 29928	Postal mail

01/14/2019	Yes	Mortgage Other type of mortgage	Trouble during payment process	AZ 85621	Phone

01/12/2019	Yes	Mortgage Reverse mortgage	Trouble during payment process	TN 38115	Web

01/01/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	PA 19143	Web

12/30/2018	Yes	Mortgage Reverse mortgage	Struggling to pay mortgage	CA 93635	Web	Older American, Servicemember

12/28/2018	Yes	Mortgage Reverse mortgage	Trouble during payment process	TN 38115	Web

12/17/2018	Yes	Mortgage Reverse mortgage	Trouble during payment process	FL 32780	Referral	Older American

12/12/2018	Yes	Mortgage Reverse mortgage	Trouble during payment process	TN 38115	Web

12/11/2018	Yes	Mortgage Reverse mortgage	Struggling to pay mortgage	AL 351XX	Web

12/03/2018	Yes	Mortgage Reverse mortgage	Trouble during payment process	NJ 07106	Phone	Servicemember

11/29/2018	Yes	Mortgage Reverse mortgage	Trouble during payment process	NY 10801	Phone

11/19/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TX 79912	Referral

11/16/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage		Referral

11/08/2018	Yes	Mortgage Reverse mortgage	Trouble during payment process	OH 45320	Referral

11/01/2018	Yes	Mortgage Reverse mortgage	Trouble during payment process	TN 38115	Postal mail

11/01/2018	Yes	Mortgage Reverse mortgage	Trouble during payment process		Phone

10/19/2018	Yes	Mortgage Reverse mortgage	Struggling to pay mortgage		Referral

10/11/2018	Yes	Mortgage Reverse mortgage	Trouble during payment process	FL 342XX	Web

10/11/2018	Yes	Mortgage Reverse mortgage	Struggling to pay mortgage	NJ 08043	Web	Older American

09/28/2018	Yes	Mortgage Reverse mortgage	Trouble during payment process	FL 33981	Web	Older American

09/12/2018	Yes	Mortgage Reverse mortgage	Trouble during payment process	TX 783XX	Web

09/10/2018	Yes	Mortgage Reverse mortgage	Trouble during payment process	NC 28376	Referral

08/30/2018	Yes	Mortgage FHA mortgage	Applying for a mortgage or refinancing an existing mortgage	MD 21206	Phone

08/29/2018	Yes	Mortgage Reverse mortgage	Trouble during payment process	AR 71854	Phone

08/21/2018	Yes	Mortgage Reverse mortgage	Trouble during payment process	PR 00685	Phone

07/31/2018	Yes	Debt collection Mortgage debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	FL 33707	Web	Older American, Servicemember

07/20/2018	Yes	Mortgage Other type of mortgage	Trouble during payment process	AZ 85621	Fax

07/19/2018	Yes	Mortgage FHA mortgage	Applying for a mortgage or refinancing an existing mortgage	MD 21206	Phone

06/29/2018	Yes	Mortgage Reverse mortgage	Struggling to pay mortgage	CA 92104	Web

06/22/2018	Yes	Mortgage Reverse mortgage	Trouble during payment process	NJ 08723	Referral

06/22/2018	Yes	Mortgage Reverse mortgage	Trouble during payment process	NJ 08009	Referral

06/14/2018	Yes	Mortgage Other type of mortgage	Trouble during payment process	NY 11520	Fax

05/28/2018	Yes	Mortgage Reverse mortgage	Struggling to pay mortgage	NJ 07828	Web	Older American

05/18/2018	Yes	Mortgage Reverse mortgage	Trouble during payment process	TX 78065	Postal mail

05/11/2018	Yes	Mortgage Reverse mortgage	Trouble during payment process		Phone

05/11/2018	Yes	Mortgage Reverse mortgage	Struggling to pay mortgage	AR 72634	Fax

05/10/2018	Yes	Mortgage Reverse mortgage	Struggling to pay mortgage	TX 77079	Postal mail

04/26/2018	Yes	Debt collection Mortgage debt	False statements or representation Attempted to collect wrong amount	PR 00682	Postal mail

04/23/2018	Yes	Mortgage Reverse mortgage	Trouble during payment process	FL 33594	Web

04/21/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	NJ 08021	Web

04/18/2018	Yes	Mortgage Other type of mortgage	Trouble during payment process	CA 95991	Postal mail

04/06/2018	Yes	Mortgage Reverse mortgage	Trouble during payment process	CA 95421	Web

03/26/2018	Yes	Mortgage Reverse mortgage	Trouble during payment process		Fax

03/21/2018	Yes	Mortgage Reverse mortgage	Trouble during payment process	NY 12304	Referral

03/08/2018	Yes	Mortgage Reverse mortgage	Trouble during payment process	OK 74106	Referral

03/06/2018	Yes	Mortgage Reverse mortgage	Trouble during payment process	FL 33180	Postal mail

02/25/2018	Yes	Mortgage Reverse mortgage	Struggling to pay mortgage	TX 76935	Web	Older American

02/22/2018	No	Mortgage Reverse mortgage	Struggling to pay mortgage	CA 91505	Fax

01/29/2018	Yes	Mortgage Reverse mortgage	Struggling to pay mortgage	MD 20747	Web

01/19/2018	Yes	Mortgage Reverse mortgage	Trouble during payment process	MD 21716	Referral

12/22/2017	Yes	Mortgage Reverse mortgage	Applying for a mortgage or refinancing an existing mortgage	LA 70403	Web	Older American

12/19/2017	Yes	Mortgage Reverse mortgage	Struggling to pay mortgage	NY 10801	Phone

12/13/2017	Yes	Mortgage Reverse mortgage	Trouble during payment process		Phone

11/27/2017	Yes	Mortgage Reverse mortgage	Trouble during payment process	FL 33026	Web	Older American

11/22/2017	Yes	Mortgage Reverse mortgage	Trouble during payment process	MO 63448	Referral

11/15/2017	Yes	Mortgage Reverse mortgage	Closing on a mortgage	WI 53105	Web	Older American

11/03/2017	Yes	Mortgage Reverse mortgage	Struggling to pay mortgage	MD 20689	Postal mail

10/30/2017	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	MD 20613	Referral

10/26/2017	Yes	Mortgage Reverse mortgage	Struggling to pay mortgage	MD 21213	Referral

09/29/2017	Yes	Mortgage Reverse mortgage	Trouble during payment process	FL 33147	Fax

09/24/2017	Yes	Mortgage Reverse mortgage	Trouble during payment process	FL 33150	Web	Older American, Servicemember

09/14/2017	Yes	Checking or savings account Other banking product or service	Managing an account Banking errors	PA 17728	Postal mail

08/30/2017	Yes	Mortgage Reverse mortgage	Struggling to pay mortgage	OR 97224	Referral

08/15/2017	Yes	Mortgage Reverse mortgage	Struggling to pay mortgage	CA 90305	Referral

08/09/2017	Yes	Mortgage Reverse mortgage	Trouble during payment process	NY 10312	Referral

07/17/2017	Yes	Mortgage Reverse mortgage	Struggling to pay mortgage	NY 10595	Referral

07/07/2017	Yes	Mortgage Reverse mortgage	Struggling to pay mortgage	FL 32208	Postal mail

07/05/2017	Yes	Mortgage Reverse mortgage	Trouble during payment process	GA 30560	Postal mail

06/19/2017	Yes	Mortgage Reverse mortgage	Trouble during payment process	CA 92708	Web	Older American, Servicemember

06/08/2017	Yes	Mortgage Reverse mortgage	Struggling to pay mortgage	MD 20743	Referral

05/10/2017	Yes	Mortgage Reverse mortgage	Trouble during payment process	NH 03254	Web

05/10/2017	Yes	Mortgage Reverse mortgage	Trouble during payment process	GA 30523	Web	Older American

05/05/2017	Yes	Mortgage Reverse mortgage	Closing on a mortgage	AR 72903	Web

04/20/2017	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	TX 77045	Referral

04/11/2017	Yes	Mortgage Reverse mortgage	Loan servicing, payments, escrow account	OH 44436	Web

03/29/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	FL 32759	Phone	Older American

03/27/2017	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	FL 32903	Postal mail

03/21/2017	Yes	Mortgage Reverse mortgage	Loan servicing, payments, escrow account	CA 94121	Web

03/10/2017	Yes	Mortgage Reverse mortgage	Loan modification,collection,foreclosure	FL 32759	Phone	Older American

03/01/2017	Yes	Mortgage Reverse mortgage	Application, originator, mortgage broker	TX 78624	Postal mail	Servicemember

02/16/2017	Yes	Mortgage Reverse mortgage	Settlement process and costs	TX 77056	Web

02/10/2017	Yes	Mortgage Reverse mortgage	Loan servicing, payments, escrow account	TN 37029	Web	Older American, Servicemember

02/07/2017	Yes	Mortgage Reverse mortgage	Credit decision / Underwriting	PA 19140	Web	Older American

02/06/2017	Yes	Mortgage Reverse mortgage	Settlement process and costs	TX 77477	Web	Older American

02/02/2017	Yes	Mortgage Reverse mortgage	Application, originator, mortgage broker	FL 33994	Phone	Older American

01/31/2017	Yes	Mortgage Reverse mortgage	Loan servicing, payments, escrow account	TX 75046	Fax

01/30/2017	Yes	Mortgage Reverse mortgage	Settlement process and costs	MD 21403	Web	Older American

01/19/2017	Yes	Mortgage Reverse mortgage	Application, originator, mortgage broker	NM 88061	Phone	Older American, Servicemember

01/04/2017	Yes	Mortgage Reverse mortgage	Application, originator, mortgage broker	CA 92612	Web

12/19/2016	Yes	Mortgage Reverse mortgage	Application, originator, mortgage broker	MI XXXXX	Web	Servicemember

11/29/2016	Yes	Mortgage Reverse mortgage	Loan servicing, payments, escrow account	MO 63021	Web

11/21/2016	Yes	Mortgage Other mortgage	Other	TX 76040	Referral

11/19/2016	Yes	Mortgage Reverse mortgage	Settlement process and costs	KY 42045	Web	Older American

11/16/2016	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	TX 77494	Postal mail

10/31/2016	Yes	Mortgage Reverse mortgage	Loan modification,collection,foreclosure	TX 78751	Web	Older American

10/25/2016	Yes	Debt collection Mortgage	Cont'd attempts collect debt not owed Debt was paid	PR 00777	Web	Older American

10/13/2016	Yes	Mortgage Reverse mortgage	Loan modification,collection,foreclosure	DC 20001	Postal mail

10/05/2016	Yes	Mortgage Reverse mortgage	Loan servicing, payments, escrow account	CO 80917	Fax	Older American, Servicemember

10/04/2016	Yes	Mortgage Reverse mortgage	Application, originator, mortgage broker	NY 11020	Referral

09/30/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	CA 90221	Web

09/26/2016	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	MO 63110	Phone	Older American

09/15/2016	Yes	Mortgage Reverse mortgage	Loan modification,collection,foreclosure	WA 98226	Referral

09/14/2016	Yes	Debt collection Mortgage	Disclosure verification of debt Not given enough info to verify debt	CA 93436	Referral

09/13/2016	Yes	Mortgage Reverse mortgage	Loan modification,collection,foreclosure	LA 70119	Web	Older American

09/12/2016	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	NJ 07430	Postal mail

09/12/2016	Yes	Mortgage Reverse mortgage	Application, originator, mortgage broker	ME 04107	Postal mail

09/09/2016	Yes	Mortgage Reverse mortgage	Loan servicing, payments, escrow account	LA 701XX	Web	Older American

09/07/2016	Yes	Mortgage Reverse mortgage	Loan servicing, payments, escrow account	MD 20746	Phone	Servicemember

08/30/2016	Yes	Mortgage Reverse mortgage	Loan servicing, payments, escrow account	CA 90620	Referral	Older American

08/28/2016	Yes	Mortgage Reverse mortgage	Loan modification,collection,foreclosure	FL 33617	Web	Older American

08/22/2016	Yes	Mortgage Reverse mortgage	Application, originator, mortgage broker	WI 53536	Postal mail

08/19/2016	Yes	Mortgage Reverse mortgage	Loan modification,collection,foreclosure	CA 90222	Web	Older American

08/15/2016	Yes	Mortgage Reverse mortgage	Loan modification,collection,foreclosure	NM 87031	Phone

08/12/2016	Yes	Mortgage Reverse mortgage	Loan modification,collection,foreclosure	MO 64052	Referral

08/11/2016	Yes	Mortgage Reverse mortgage	Loan modification,collection,foreclosure	MD 20720	Referral

07/27/2016	Yes	Mortgage Reverse mortgage	Loan servicing, payments, escrow account	FL 32301	Web	Older American

07/21/2016	Yes	Mortgage Reverse mortgage	Loan servicing, payments, escrow account	TX 79423	Phone	Older American

07/19/2016	Yes	Mortgage Reverse mortgage	Loan modification,collection,foreclosure	CA 92651	Web

07/12/2016	Yes	Mortgage Reverse mortgage	Loan servicing, payments, escrow account	CO 80305	Fax

07/07/2016	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	NJ 07430	Referral

06/30/2016	Yes	Mortgage Reverse mortgage	Loan servicing, payments, escrow account	WI 54525	Web	Older American

06/18/2016	Yes	Mortgage Reverse mortgage	Application, originator, mortgage broker	OH 44116	Web	Older American

06/13/2016	Yes	Mortgage Reverse mortgage	Loan modification,collection,foreclosure	VA 24012	Fax

06/08/2016	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	NC 28801	Web

06/08/2016	Yes	Mortgage Reverse mortgage	Loan modification,collection,foreclosure	CO 80602	Postal mail

06/02/2016	Yes	Mortgage Reverse mortgage	Loan modification,collection,foreclosure	LA 70403	Web	Older American

05/31/2016	Yes	Mortgage Reverse mortgage	Loan servicing, payments, escrow account	FL 32526	Phone

05/21/2016	Yes	Mortgage Reverse mortgage	Loan modification,collection,foreclosure	VT 05676	Web

05/20/2016	Yes	Mortgage Reverse mortgage	Loan modification,collection,foreclosure	AZ 85710	Referral	Older American

05/18/2016	Yes	Mortgage Reverse mortgage	Loan modification,collection,foreclosure	LA 70115	Web	Older American

05/17/2016	Yes	Mortgage Reverse mortgage	Loan servicing, payments, escrow account	TX 75081	Phone	Older American, Servicemember

05/16/2016	Yes	Mortgage Reverse mortgage	Loan modification,collection,foreclosure	LA 70517	Phone	Older American

05/13/2016	Yes	Mortgage Reverse mortgage	Loan modification,collection,foreclosure	TX 78861	Phone	Older American

05/11/2016	Yes	Mortgage Reverse mortgage	Loan servicing, payments, escrow account	NJ 07430	Postal mail

05/05/2016	Yes	Mortgage Reverse mortgage	Loan servicing, payments, escrow account	MT 59840	Phone	Older American

04/27/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	CA 93536	Phone	Older American

04/13/2016	Yes	Mortgage Other mortgage	Other	IL 60623	Postal mail	Older American

04/11/2016	Yes	Mortgage Reverse mortgage	Loan servicing, payments, escrow account	FL XXXXX	Web	Older American

04/08/2016	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	PR 00984	Postal mail

03/31/2016	Yes	Mortgage Reverse mortgage	Loan servicing, payments, escrow account	MI 48210	Phone	Older American

03/30/2016	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	MD 20639	Referral

03/30/2016	Yes	Mortgage Reverse mortgage	Application, originator, mortgage broker	CA 94595	Web	Older American

03/28/2016	Yes	Mortgage Reverse mortgage	Loan modification,collection,foreclosure	LA 70058	Phone

03/04/2016	Yes	Mortgage Reverse mortgage	Loan modification,collection,foreclosure	KS 660XX	Web	Older American

03/03/2016	Yes	Mortgage Reverse mortgage	Loan servicing, payments, escrow account	LA 70737	Web	Older American

03/02/2016	Yes	Mortgage Reverse mortgage	Loan servicing, payments, escrow account	IL 60616	Postal mail

02/29/2016	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	VA 24330	Postal mail	Older American

02/25/2016	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	NJ 08260	Referral

02/23/2016	Yes	Mortgage Reverse mortgage	Loan modification,collection,foreclosure	MO 63031	Referral	Older American

02/17/2016	Yes	Mortgage Reverse mortgage	Loan modification,collection,foreclosure	PR 009XX	Web	Older American

02/16/2016	No	Mortgage Reverse mortgage	Loan servicing, payments, escrow account	IL 60175	Web

02/11/2016	No	Mortgage Reverse mortgage	Loan modification,collection,foreclosure	TX 75040	Referral

02/10/2016	No	Mortgage Reverse mortgage	Loan servicing, payments, escrow account	NM 87196	Postal mail	Older American

02/08/2016	No	Mortgage Reverse mortgage	Loan modification,collection,foreclosure	IL 60647	Postal mail

02/04/2016	No	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	FL 33126	Web

01/29/2016	Yes	Mortgage Reverse mortgage	Loan modification,collection,foreclosure	IL 60620	Phone	Older American

01/25/2016	Yes	Mortgage Reverse mortgage	Loan modification,collection,foreclosure	TX 78209	Phone	Older American, Servicemember

01/15/2016	Yes	Mortgage Reverse mortgage	Loan servicing, payments, escrow account	CA 90405	Postal mail	Older American, Servicemember

01/11/2016	Yes	Mortgage Reverse mortgage	Loan servicing, payments, escrow account	CA 92119	Web	Older American

12/30/2015	Yes	Mortgage Reverse mortgage	Loan servicing, payments, escrow account	TX 75234	Phone	Older American

12/22/2015	No	Mortgage Reverse mortgage	Loan modification,collection,foreclosure	TX 78621	Postal mail

12/09/2015	Yes	Mortgage Reverse mortgage	Loan modification,collection,foreclosure	FL 33126	Web

12/08/2015	Yes	Mortgage Reverse mortgage	Loan modification,collection,foreclosure	CA 90630	Web

12/01/2015	Yes	Mortgage Reverse mortgage	Loan modification,collection,foreclosure	NY 11207	Referral

11/21/2015	No	Mortgage Reverse mortgage	Loan modification,collection,foreclosure	CA 90630	Web

11/17/2015	No	Mortgage Reverse mortgage	Loan servicing, payments, escrow account	NY 11201	Web

11/16/2015	Yes	Mortgage Reverse mortgage	Application, originator, mortgage broker	MA 02026	Phone	Older American

11/16/2015	No	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 92277	Postal mail	Older American

11/07/2015	No	Mortgage Reverse mortgage	Loan modification,collection,foreclosure	TX 77053	Web	Servicemember

11/05/2015	Yes	Mortgage Reverse mortgage	Application, originator, mortgage broker	AL 35204	Phone	Older American

11/04/2015	Yes	Mortgage Reverse mortgage	Loan modification,collection,foreclosure	IL 60429	Postal mail

11/02/2015	Yes	Mortgage Reverse mortgage	Loan servicing, payments, escrow account	MN 55432	Fax

10/29/2015	Yes	Mortgage Reverse mortgage	Settlement process and costs	FL 33432	Phone	Older American, Servicemember

10/28/2015	No	Mortgage Reverse mortgage	Application, originator, mortgage broker	TX 79902	Web	Older American

10/23/2015	Yes	Mortgage Reverse mortgage	Loan servicing, payments, escrow account	FL 33432	Referral

10/14/2015	Yes	Mortgage Reverse mortgage	Loan servicing, payments, escrow account	TX 78602	Web

10/09/2015	Yes	Mortgage Reverse mortgage	Loan servicing, payments, escrow account	CA 92596	Web

09/25/2015	Yes	Mortgage Reverse mortgage	Application, originator, mortgage broker	MO 63120	Phone	Older American, Servicemember

09/25/2015	Yes	Mortgage Reverse mortgage	Loan servicing, payments, escrow account	TN 37377	Web

09/18/2015	Yes	Mortgage Reverse mortgage	Loan servicing, payments, escrow account	KY 40215	Referral	Older American

09/14/2015	Yes	Mortgage Reverse mortgage	Loan servicing, payments, escrow account	GA 31523	Web	Older American

09/11/2015	Yes	Mortgage Reverse mortgage	Loan servicing, payments, escrow account	TX 77033	Referral	Older American

09/02/2015	Yes	Mortgage Reverse mortgage	Loan servicing, payments, escrow account	FL 33317	Web	Older American

09/01/2015	Yes	Mortgage Reverse mortgage	Loan servicing, payments, escrow account	NV 89048	Postal mail

08/31/2015	Yes	Mortgage Reverse mortgage	Loan servicing, payments, escrow account	TN 37615	Phone	Older American

08/27/2015	Yes	Mortgage Reverse mortgage	Loan servicing, payments, escrow account	MN 55418	Web	Older American

08/21/2015	Yes	Mortgage Reverse mortgage	Loan servicing, payments, escrow account	CA 95035	Web	Older American

08/14/2015	Yes	Mortgage Reverse mortgage	Loan servicing, payments, escrow account	OH 44483	Phone	Older American

08/06/2015	Yes	Mortgage Reverse mortgage	Loan modification,collection,foreclosure	OR 97702	Web

07/24/2015	Yes	Mortgage Reverse mortgage	Settlement process and costs	CO 80525	Phone

07/17/2015	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 95961	Fax	Older American, Servicemember

07/16/2015	Yes	Mortgage Reverse mortgage	Loan modification,collection,foreclosure	FL 32082	Web

07/06/2015	Yes	Mortgage Reverse mortgage	Settlement process and costs	NC 27537	Phone	Older American, Servicemember

06/29/2015	Yes	Mortgage Reverse mortgage	Loan servicing, payments, escrow account	AZ 85268	Referral

06/24/2015	Yes	Mortgage Reverse mortgage	Loan modification,collection,foreclosure	NV 89415	Phone	Older American

06/22/2015	Yes	Mortgage Reverse mortgage	Loan servicing, payments, escrow account	CA 92276	Referral

06/12/2015	Yes	Mortgage Other mortgage	Other	FL 33067	Postal mail

06/10/2015	Yes	Mortgage Home equity loan or line of credit	Loan servicing, payments, escrow account	NY 12972	Postal mail

06/03/2015	Yes	Mortgage Reverse mortgage	Loan servicing, payments, escrow account	CA 94112	Postal mail	Older American

06/03/2015	Yes	Mortgage Reverse mortgage	Loan modification,collection,foreclosure	NJ 07719	Referral

05/11/2015	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	NJ 07430	Referral

05/11/2015	Yes	Mortgage Reverse mortgage	Loan servicing, payments, escrow account		Referral	Older American

05/06/2015	Yes	Mortgage Reverse mortgage	Loan servicing, payments, escrow account	CA 91761	Postal mail	Older American, Servicemember

04/29/2015	Yes	Mortgage Reverse mortgage	Loan modification,collection,foreclosure	TX 79902	Web	Older American

04/13/2015	Yes	Mortgage Reverse mortgage	Loan servicing, payments, escrow account	IN 47874	Phone	Older American

03/21/2015	Yes	Mortgage Reverse mortgage	Loan modification,collection,foreclosure	CA 90221	Web

03/20/2015	Yes	Mortgage Conventional fixed mortgage	Application, originator, mortgage broker	CA 95465	Web

03/12/2015	Yes	Mortgage Reverse mortgage	Settlement process and costs	OH 44646	Phone	Older American

03/10/2015	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	NJ 07055	Referral

03/09/2015	Yes	Mortgage Reverse mortgage	Settlement process and costs	NY 10466	Postal mail

02/26/2015	Yes	Mortgage Reverse mortgage	Loan servicing, payments, escrow account	NY 10509	Referral

02/19/2015	Yes	Mortgage Reverse mortgage	Loan servicing, payments, escrow account	NY 10990	Referral	Older American

02/13/2015	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	FL 32060	Postal mail

02/09/2015	Yes	Mortgage Reverse mortgage	Loan servicing, payments, escrow account	PA 18901	Postal mail

02/06/2015	Yes	Mortgage Reverse mortgage	Loan servicing, payments, escrow account	NJ 07828	Referral

02/03/2015	Yes	Mortgage Reverse mortgage	Loan servicing, payments, escrow account	MO 64124	Referral	Older American

01/23/2015	Yes	Mortgage Reverse mortgage	Loan modification,collection,foreclosure	NJ 07417	Referral

01/12/2015	Yes	Mortgage Reverse mortgage	Loan servicing, payments, escrow account	FL 32779	Referral	Older American

01/07/2015	Yes	Mortgage Reverse mortgage	Loan servicing, payments, escrow account	PA 19454	Web

01/07/2015	Yes	Mortgage Reverse mortgage	Settlement process and costs	CA 92345	Referral	Older American

12/10/2014	Yes	Mortgage Reverse mortgage	Settlement process and costs	TX 76087	Web	Older American

12/09/2014	Yes	Mortgage Reverse mortgage	Loan modification,collection,foreclosure	FL 33414	Web

12/09/2014	Yes	Mortgage Reverse mortgage	Application, originator, mortgage broker	TX 75937	Phone	Older American

12/05/2014	Yes	Mortgage Reverse mortgage	Loan servicing, payments, escrow account	MO 63034	Phone	Older American

12/03/2014	Yes	Mortgage Home equity loan or line of credit	Loan modification,collection,foreclosure	FL 34285	Referral

11/18/2014	Yes	Mortgage Reverse mortgage	Loan servicing, payments, escrow account	IA 50616	Web	Older American

11/11/2014	Yes	Mortgage Reverse mortgage	Settlement process and costs	OH 44094	Web	Older American

11/05/2014	Yes	Mortgage Reverse mortgage	Loan servicing, payments, escrow account	FL 32653	Web	Older American

10/31/2014	Yes	Mortgage Reverse mortgage	Loan modification,collection,foreclosure	TX 79902	Web

10/27/2014	Yes	Mortgage Reverse mortgage	Loan modification,collection,foreclosure	CA 91405	Web	Older American

10/26/2014	Yes	Mortgage Reverse mortgage	Loan modification,collection,foreclosure	FL 32953	Web

10/21/2014	Yes	Mortgage Reverse mortgage	Loan servicing, payments, escrow account	FL 32653	Web	Older American

10/15/2014	Yes	Mortgage Reverse mortgage	Loan servicing, payments, escrow account	TN 38118	Postal mail

09/29/2014	Yes	Mortgage Reverse mortgage	Loan modification,collection,foreclosure	NY 11756	Web	Older American

09/26/2014	Yes	Mortgage Reverse mortgage	Loan modification,collection,foreclosure	NY 11105	Web	Older American

09/23/2014	Yes	Mortgage Reverse mortgage	Loan modification,collection,foreclosure	CA 90036	Web

09/17/2014	Yes	Mortgage Reverse mortgage	Loan servicing, payments, escrow account	CA 91402	Web

09/15/2014	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	GA 30038	Postal mail

08/27/2014	Yes	Mortgage Reverse mortgage	Loan servicing, payments, escrow account	CA 94531	Web

08/06/2014	Yes	Mortgage Reverse mortgage	Loan modification,collection,foreclosure	NC 28232	Web

08/05/2014	Yes	Mortgage Reverse mortgage	Loan servicing, payments, escrow account	OH 44130	Web	Older American

07/24/2014	Yes	Mortgage Reverse mortgage	Loan modification,collection,foreclosure	CA 90034	Web	Older American, Servicemember

07/23/2014	Yes	Mortgage Reverse mortgage	Loan modification,collection,foreclosure	NC 28232	Web

07/15/2014	Yes	Mortgage Reverse mortgage	Loan servicing, payments, escrow account	FL 33994	Phone	Older American

07/09/2014	Yes	Mortgage Reverse mortgage	Loan modification,collection,foreclosure	FL 33142	Phone

07/09/2014	Yes	Mortgage Reverse mortgage	Application, originator, mortgage broker	FL 32907	Phone	Older American

07/01/2014	Yes	Mortgage Reverse mortgage	Loan servicing, payments, escrow account	VT 05701	Postal mail

06/25/2014	Yes	Mortgage Reverse mortgage	Loan servicing, payments, escrow account	CA 94515	Referral

06/19/2014	Yes	Bank account or service Other bank product/service	Making/receiving payments, sending money	OR 97229	Web

05/01/2014	Yes	Mortgage Other mortgage	Other	CA 92263	Postal mail	Older American

04/28/2014	Yes	Mortgage Reverse mortgage	Loan modification,collection,foreclosure	IL 60154	Web	Older American

04/24/2014	Yes	Mortgage Other mortgage	Settlement process and costs	TX 77033	Web	Older American

04/23/2014	Yes	Mortgage Reverse mortgage	Loan servicing, payments, escrow account	NY 10305	Phone	Older American

04/16/2014	Yes	Mortgage Reverse mortgage	Loan modification,collection,foreclosure	NY 10036	Web	Older American

04/10/2014	Yes	Mortgage Reverse mortgage	Loan servicing, payments, escrow account	TX 78255	Referral

04/06/2014	Yes	Mortgage Reverse mortgage	Loan servicing, payments, escrow account	CA 94112	Web

04/05/2014	Yes	Mortgage Reverse mortgage	Loan modification,collection,foreclosure	IL 60478	Postal mail	Older American

03/06/2014	Yes	Mortgage Reverse mortgage	Settlement process and costs	CA 92263	Web

03/04/2014	Yes	Mortgage Reverse mortgage	Loan modification,collection,foreclosure	TN 37774	Referral

03/03/2014	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	TX 76013	Postal mail

02/12/2014	Yes	Mortgage Reverse mortgage	Loan servicing, payments, escrow account	CA 91320	Web

01/23/2014	Yes	Mortgage Reverse mortgage	Loan servicing, payments, escrow account	CO 80220	Web	Older American

01/02/2014	Yes	Mortgage Reverse mortgage	Settlement process and costs	CO 80220	Web	Older American

12/30/2013	Yes	Mortgage Reverse mortgage	Loan modification,collection,foreclosure	FL 33157	Phone

12/12/2013	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	NY 14534	Referral

12/11/2013	Yes	Mortgage Reverse mortgage	Credit decision / Underwriting	TX 77433	Web

12/03/2013	Yes	Mortgage Reverse mortgage	Loan servicing, payments, escrow account	FL 34667	Fax

11/30/2013	Yes	Mortgage Reverse mortgage	Loan modification,collection,foreclosure	AZ 86442	Web

11/18/2013	Yes	Mortgage Reverse mortgage	Credit decision / Underwriting	CA 93720	Postal mail

11/08/2013	Yes	Mortgage Reverse mortgage	Application, originator, mortgage broker	TX 77033	Referral	Older American

11/04/2013	Yes	Mortgage Reverse mortgage	Loan servicing, payments, escrow account	MN 56655	Referral

10/28/2013	Yes	Mortgage Reverse mortgage	Application, originator, mortgage broker	MD 20689	Fax

10/27/2013	Yes	Mortgage Reverse mortgage	Loan modification,collection,foreclosure	TX 77386	Web

10/16/2013	Yes	Mortgage Reverse mortgage	Loan modification,collection,foreclosure	TX 78840	Web

10/09/2013	Yes	Mortgage Reverse mortgage	Loan servicing, payments, escrow account	MO 61427	Postal mail	Older American

09/24/2013	Yes	Mortgage Reverse mortgage	Application, originator, mortgage broker	NY 11756	Web	Older American

09/11/2013	Yes	Mortgage Reverse mortgage	Loan servicing, payments, escrow account	CA 91761	Web

09/06/2013	Yes	Mortgage Reverse mortgage	Loan servicing, payments, escrow account	NJ 08260	Web	Older American

08/01/2013	Yes	Mortgage Reverse mortgage	Loan servicing, payments, escrow account	NY 10305	Phone	Older American, Servicemember

07/28/2013	Yes	Mortgage Reverse mortgage	Loan modification,collection,foreclosure	CA 95451	Referral	Older American, Servicemember

07/11/2013	Yes	Mortgage Reverse mortgage	Loan servicing, payments, escrow account	AR 72190	Web

06/21/2013	Yes	Mortgage Reverse mortgage	Loan modification,collection,foreclosure	FL 32208	Web	Older American

06/11/2013	Yes	Mortgage Reverse mortgage	Loan servicing, payments, escrow account	NY 13903	Referral

05/17/2013	Yes	Mortgage Reverse mortgage	Loan servicing, payments, escrow account	TX 77092	Phone	Older American

05/16/2013	Yes	Mortgage Reverse mortgage	Application, originator, mortgage broker	WA 98199	Phone	Older American

05/14/2013	Yes	Mortgage Reverse mortgage	Loan servicing, payments, escrow account	NY 11411	Postal mail	Older American, Servicemember

05/01/2013	Yes	Mortgage Reverse mortgage	Loan servicing, payments, escrow account	FL 33316	Fax

04/29/2013	Yes	Mortgage Reverse mortgage	Loan modification,collection,foreclosure	NY 11434	Fax

04/24/2013	Yes	Mortgage Reverse mortgage	Loan modification,collection,foreclosure	FL 33147	Web	Servicemember

04/10/2013	Yes	Mortgage Reverse mortgage	Loan servicing, payments, escrow account	MD 21502	Phone

04/10/2013	Yes	Mortgage Reverse mortgage	Loan modification,collection,foreclosure	CA 93304	Phone	Older American, Servicemember

04/05/2013	Yes	Mortgage Reverse mortgage	Settlement process and costs	GA 30022	Web	Older American

03/15/2013	Yes	Mortgage Reverse mortgage	Loan servicing, payments, escrow account	CA 95610	Phone	Older American

03/14/2013	Yes	Mortgage Reverse mortgage	Loan modification,collection,foreclosure	FL 34985	Referral

03/13/2013	Yes	Mortgage Reverse mortgage	Loan servicing, payments, escrow account	FL 33182	Web	Older American

02/20/2013	Yes	Mortgage Reverse mortgage	Loan modification,collection,foreclosure	MO 63107	Referral

02/09/2013	Yes	Mortgage Reverse mortgage	Loan modification,collection,foreclosure	AZ 85739	Phone

02/08/2013	Yes	Mortgage Reverse mortgage	Loan servicing, payments, escrow account	CA 92340	Phone	Older American, Servicemember

02/08/2013	Yes	Mortgage Reverse mortgage	Application, originator, mortgage broker	NC 28115	Web

01/14/2013	Yes	Mortgage Reverse mortgage	Loan servicing, payments, escrow account	TX 77389	Web

01/09/2013	Yes	Mortgage Reverse mortgage	Loan modification,collection,foreclosure	CA 92067	Postal mail

12/25/2012	Yes	Mortgage Reverse mortgage	Loan servicing, payments, escrow account	FL 33162	Referral

12/18/2012	Yes	Mortgage Reverse mortgage	Loan modification,collection,foreclosure	MA 01128	Referral

12/10/2012	Yes	Mortgage Reverse mortgage	Application, originator, mortgage broker	MD 21214	Referral

11/15/2012	Yes	Mortgage Reverse mortgage	Loan servicing, payments, escrow account	FL 33809	Phone

11/13/2012	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	NJ 07430	Postal mail

10/16/2012	Yes	Mortgage Reverse mortgage	Loan modification,collection,foreclosure	OR 97402	Phone	Older American

08/21/2012	Yes	Mortgage Reverse mortgage	Loan modification,collection,foreclosure	NY 10305	Phone	Older American, Servicemember

08/19/2012	Yes	Mortgage Reverse mortgage	Credit decision / Underwriting	NJ 07055	Web

07/17/2012	Yes	Mortgage Reverse mortgage	Loan modification,collection,foreclosure	GA 30318	Phone	Older American

03/21/2012	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	MI 48366	Phone

03/02/2012	Yes	Mortgage Reverse mortgage	Loan servicing, payments, escrow account	NY 11968	Web

01/30/2012	No	Mortgage Reverse mortgage	Application, originator, mortgage broker	FL 34235	Web